vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am XXXX. My ex- assistant began going in my purse and stealing my XXXX XXXX American Express , other credit cards and she forged two XXXX XXXX XXXX checks. I didn't know who it was but I kept reporting it and getting a new XXXX XXXX American Express along with the other cards. Finally when she ran out of all of my money because the companies stopped refunding the money that was stolen, she quit. I have email documentation of her admitting to stealing money from me. Then I received the first forged check in her name. That's when I knew I could report it to the police and open up a case, so I did. They said they were going to charge her with XXXX XXXX..I would ask XXXX XXXX American Express to send me all the paperwork of the dates she was working for me so I could Circle what she stole and they kept sending me the wrong paperwork. Finally when I got the right paperwork they had already closed down my card. They re-opened it once but I simply couldn't make the payments they asked for they closed it for good. They wouldn't work with me in any payment plan. Knowing my condition and situation, I believe they should have. Not even the hardships department cared. I would still try to Circle all the dates and the money she stole from me but I have to go to the doctor every single day and I need my current assistant to help with the paperwork because of my XXXX. We simply didn't have time to fill out all the paperwork because I have so many health related things going on. Everything became so overwhelming! Still the police report was started and I did know who the person was who stole from me. As a XXXX person that can not do anything on my own. I don't know how to get this resolved. I need serious help. This woman has stolen thousands and thousands of dollars from me. She has also stolen other money from me that doesn't relate to this card.. I don't know what to do. I need hardships to work with me. I can barely afford anything but I can pay small amounts if they just work with me. Thank you very much. XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
XXXX XXXX XXXX has refused to abide by Federal Reserve Regulations and National Clearinghouse Rules to obtain authorization in order to convert my payment checks to ACH. I filed a complaint with CFPB before, to which the bank responded by letter to me that it would not follow the regulations. I have paid all my credit card bills in whole but the bank has refused to deposit them and has instead reported me owing then, totaling over {$20000.00}, ruining my good credit. I am again filing a new complaint with the CFPB and, considering the bank 's written refusal to abide by the regulations, if the CFPB does not fine the bank at this second complaint when the bank again refuses to abide by the federal regulations I am going to appeal the CFPB decision to the Federal Courts of Appeal and name the CFPB as a defendant, and seek Injunctive Relief and damages. Previous CFPB No. XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA
State: CA

Complaint narrative:
XXXX XXXX is reporting incorrect information. I have requested several times to provide information that I received the student loan, I was not given this loan nor am I responsible for the loans. This is erroneous reported and have ask the Department of Education to investigate the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-20 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Hunt & Henriques
State: CA

Complaint narrative:
Hi.Legal recovery law office representing XXXX XXXX got a default judgment on a credit card debt in XX/XX/XXXX. They had a bank levy and started wage garnishment immediately. On XX/XX/XXXX I received a letter from Law offices of Hunt and Henriques. stating that that they are now representing XXXX XXXX with still a balance of {$9700.00} and the last payment they received was in XX/XX/XXXX. ( Wage garnishment started in XX/XX/XXXX and is still ongoing ). I have on numerous occation asked for a payment history but they keep sending the original Judgment. I believe either the judgment has been paid or being closed to being paid off. I would like The law office of Hunt and Henriques to provide some clarity on this judgment and a payment history please. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I opened an American Express Gold Card late last year and was charged an annual fee of {$250.00}. I then accumulated XXXX membership rewards points. On XX/XX/2019, American Express wrongfully closed my account. They have refused to allow me to transfer my XXXX membership rewards points our of my membership rewards account. In addition, I had many more membership rewards points pending at the time of the wrongful closer or my account. Further, they have refused to refund my {$250.00} annual fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-20 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Legal Recovery Law Offices, Inc
State: CA

Complaint narrative:
Hi.Legal recovery law office representing XXXX XXXX got a default judgment on a credit card debt in XX/XX/XXXX. They had a XXXX  XXXX  and started wage garnishment immediately. On XX/XX/XXXX I received a letter from XXXX XXXX of XXXX and XXXX. stating that that they are now representing XXXX XXXX with still a balance of {$9700.00} and the last payment they received was in XX/XX/XXXX. ( Wage garnishment started in XX/XX/XXXX and is still ongoing ). I have on numerous occation asked for a payment history but they keep sending the original Judgment. I believe either the judgment has been paid or being closed to being paid off. I would like The XXXX XXXX of XXXX and XXXX to provide some clarity on this judgment and a payment history please. Thank you.

Company response to consumer: Untimely response
Consumer complaint received 2019-01-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
XX/XX/XXXX, I applied for credit over the internet with a salesman from XXXX website, the used car had to be transferred from NC at no charge. Rate quote received 11 %. Once ( 2010 yr ) car was delivered to Georgia, my original salesman no longer worked there, a new salesman and manager informs me rate changed and is now 26. 9 %, now required {$800.00} down payment. Sales manager told me I could refinance the  rate because he couldnt get the old one back. I trusted him because he said advised me that was what he did when he purchased his car from XXXX. Unfortunately, I could not refinance the car and the three day return option had expired. The payment I was obligated to make for 73 months is {$590.00}, the loan amount was {$21000.00} including title and transfer fees. I am a single woman who was profiled and discriminated against when XXXX used unfair, deceptive and abusive acts against me. I have been struggling to make this payment to Santander Consumer USA for 3 years. I have made {$18000.00} in payments ( to date ) for this loan and I still owe {$19000.00}. Less than $ {$2000.00} has been applied to the principal balance. My credit is effected by this. I have even lost my job and my home. I have made several complaints to both XXXX for predatory lending and discrimination to no avail. I hold XXXX responsible because they had offered me a lower interest rate beforehand and when I arrived I was pressured to buy now or XXXX could not hold the car for me. I did not understand this since I had waited for the car to be delivered from another state. I also traded in my vehicle I owed a title loan on. I was only given the amount of the title loan for my trade. I also believe this was unfair and deceptive. The payment amount provided when using their ( XXXX ) calculator was {$540.00}, on their website, using the same terms, is less than my required payment. Santander not XXXX does not explain truth in lending as required to consumers. I now understand Santander has been charging me the usurious interest rate 27.9 % plus that of % 13.99 each day for simple interest. XXXX did not show me my credit scores, so I pulled them as was advised car dealers repeatedly pulled my score in order to lower the score in order for their system to increase to the rate they gave me. I would like this investigation to help consumers like myself be able to see what the Auto dealers are doing when they take your personal information and request credit and receive results. I would like to have both companies held responsible for discrimination, predatory lending, truth in lending disclosures and UDAAP violations. I would like this contract to be dissolved and credit for payments to principal to be applied at the initial interest rate quoted.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I have addressed TransUnion about two hard inquiries that I never authorized on my credit report. I've tried to dispute these inquiries with them for a few months now and they still continue to violate my rights by reporting them as factual. I have no idea who allowed someone to run my credit without my knowledge. I'm hoping that TransUnion starts to follow consumer laws and not their own made up laws to tarnish any consumers credit reports. The two hard inquiries are below. I want to know that my rights are more than words on a piece of paper. Thank you in advance for your attention to this matter. 
XXXX XX/XX/2018 XXXX XXXX. XX/XX/2018

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I have accounts that's reporting on my credit report inwhich I have absolutely no knowledge of and respectfully requesting that they be blocked due to them obviously being someone else 's. And in accordance with the FCRA law, I'm requesting physical documentation with dates and signatures to collaborate what the agencies are reporting. So what I'm saying here is that I have no contract with the following companies ( 1 ) XXXX XXXX XXXX for {$120.00}, {$120.00}, {$1000.00} ( 2 ) XXXX XXXX XXXX, {$1000.00} ( 3 ) XXXX   XXXX XXXX, {$920.00} Please Block All the above accounts or send me physical documentation of such.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Armada Corp.
State: WA

Complaint narrative:
All of the derogatory remarks on my credit report are paid, and closed. Please remove all derogatory remarks.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax stares on my dispute form that they verified a bankruptcy via XXXX XXXX. However my XXXX XXXX has been frozen for quite sometime now due to previous fraud and i also have a fraud warning on my equifax account. I called XXXX XXXX  to find out if any information was requested and they reported no and that my account was frozen. I called equifax customer service to find out what method they used to verify the bankruptcy and they stated that they used a 3rd XXXX XXXX, i said that was impossible because the account is frozen. They then stated they went through a different 3rd service. I asked which one because by law you have to disclose and the agent didnt say anything i also stated that in my report its states they used XXXX XXXX. After about 19 mins i asked for a supervisor who stated they called the court and verified which i know is false because courts dont verify with CRAs. Once i brought that to her attention she said they verify different ways. I advised her they were reporting incorrect information and i would be reporting to the CFPB and she whatever.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Financial Business and Consumer Solutions.
State: GA

Complaint narrative:
I went to XXXX County Court XX/XX/XXXX over this matter. XXXX XXXX XXXX XXXX. XXXX  XXXX, XXXX, GA XXXX and XXXX, XXXX XXXX , PA XXXX, are still trying to collect a debt that is not mine. FBCS # XXXX, {$20000.00} ( XXXX XXXX ). This card and others was paid by a loan taken out XX/XX/XXXX over 15years. This loan is now paid off. 
I was sent a letter by XXXX XX/XX/XXXX that my personal information was hacked from their office. 
I received a letter from Secretary of Veterans Affairs dated XX/XX/XXXX my identity was stolen ( retired XXXX XXXX ). 
XX/XX/XXXX, US Department of Justice filed charges aganist defendant XXXX XXXX for tax fraud against myself and others XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Bureau Services Association
State: TX

Complaint narrative:
XXXX XXXX2018 I pulled my credit and saw CBSA collections listed for {$3700.00}. I contacted the credit beurus and CBSA to have it removed as I do not know of this debt. XXXX XXXX2018 I sent certified letters to the collection agency asking for validation of this debt containing any contract I signed with this company or proof of their right to collect on this debt and the amount that they are requesting. They responded with a typed itemized bill which does not consitute as validation per FDCPA. I have no contract with CBSA nor do I owe the debt they are claiming. They have not able to provide any document that I have requested to prove my ownership. This needs to be removed from all 3 credit beurus  immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
I opened a Lowes store card around XXXXXX/XX/April2018. When I used the card I accepted the promotion no intrest for 24 months along with military discount. I called in in XX/XX/2018 to have the due date changed from the XX/XX/XXXX to the XX/XX/XXXXand to have the credit card security removed only to later find out that the due date was never submitted and the security was not removed. I didnt think to check behind the representative the following month because she said it had been completed. Only to speak with another representative today to find out Im still being charged an interest fee and a security fee. I also requested to close the card and the representative refused to close the card and insisted I pay the card off first and call back at a later time to speak with someone at the security department.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I have accounts that's reporting on my credit report inwhich I have absolutely no knowledge of and respectfully requesting that they be blocked due to them obviously being someone else 's. And in accordance with the FCRA law, I'm requesting physical documentation with dates and signatures to collaborate what the agencies are reporting. So what I'm saying here is that I have no contract with the following companies ( 1 ) XXXX XXXX XXXX for {$120.00}, {$120.00}, {$1000.00} ( 2 ) XXXX XXXX XXXX, {$1000.00} ( 3 ) XXXX   XXXX XXXX, {$920.00} Please Block All the above accounts or send me physical documentation of such.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Please remove me from an account that's closed and listed me as an authorized user inwhich I know anything about, the account to be removed is XXXX XXXX, opened XX/XX/XXXX,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
On XX/XX/XXXX, I received via email a notification from the fraud detention unit telling me to call to verify recent activity on my card, I was also left a voicemail to call. On that same day I called to verify what was happening, I was at work and called after, while driving on my way home. I was then notified of the fraud activities that took place on my account and was disclosed a list of transactions to verify I was asked if I remember last time I saw the card, last time I saw it was at the airport when I used it to pay for a seat at XXXX XXXX, and I said I think I put it on a draw in my house. I was told I should hear from the investigation team with any concerns or if any information was needed from me, I was going to be notified. 

On XX/XX/XXXX, I received a call from the fraud investigation department agent XXXX  called me and informed me that they have determined that the transactions were valid because I allegedly replied to a text verifying a transaction from XXXX on XX/XX/XXXX, and that all transactions are deemed valid, and I am responsible for the fraud activity that took place. 

First of all, I was working during the time all these transactions took place, I have not replied to a text and if your records show otherwise then my phone was hacked. On the other hand, other methods of communication should have been used, an email sent, a call made like it happen the day I discovered the fraud. All transactions were allowed to take place, transactions that were outside my normal usage and large amounts and the only thing your representative says is that a text was used to confirm a transaction from one store. 

The representative argued that my responses are inconsistent, I thought the card was in my drawer, as I told the initial representative, this is not the only credit card I have whether this card was lost or was stolen I cant recall. Last time I used and saw the card was at XXXX XXXX and I told the representative this. Another representative XXXX told me I never called back to report I didnt have the card and that it was lost/stolen. I was advice on my first call not to do anything that you will investigate. I did not make these transactions, I will not be liable for goods I did not purchase.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Please remove me from an account that's closed and listed me as an authorized user inwhich I know anything about, the account to be removed is XXXX XXXX, opened XX/XX/XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Please remove me from an account that's closed and listed me as an authorized user inwhich I know anything about, the account to be removed is XXXX XXXX, opened XX/XX/XXXX,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation