vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/2020, I submitted a dispute to XXXX  with evidence, proving Citibank accounts ending in " XXXX '' & " XXXX '' were paid in full. Citibank responded to these disputes stating these accounts were " unpaid '' and the receipts were illegible. Therefore, I resubmitted these receipts and contacted XXXX, and requested for these receipts to be re-presented again to Citibank. Afterwards, on XX/XX/2020, I inquired about status this investigation, and I was informed only one account " XXXX '' was updated to " paid in full. '' I have contacted XXXX  several times, until XX/XX/2020 two more investigations were opened and as of today still no results. I do believe XXXX  has thoroughly investigated because proof of receipt or paid in full status was provided twice. XXXX  has refused to have a conference call with Citibank, therefore, I did not have a choice but to file a compliant.

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 2020-06-29 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: PRESTIGE FINANCIAL SERVICES INC
State: UT

Complaint narrative:
Prestige was included in my bankruptcy # XXXX and discharged in 2017. Prestige is currently updating and reporting every month. This is a violation of the Bankruptcy Law Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
I am receiving a derogatory/negative remark on my credit report for this creditor for money I do not owe. I am unaware of this account and monies owed. This creditor is negatively and incorrectly impacting my credit report for a balance of {$740.00}. I ask that this be removed once and for all.

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 2020-06-29 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
In XX/XX/XXXX I discontinued my XXXX  XXXX XXXX  service by phone and paid the final bill. Received mail notification of amount due on XX/XX/XXXX of {$150.00}. See attached bill. I called and spoke to several people including the manager about the added 'cancellation amount of XXXX ( early termination ). I was not under contract. The contract expired XX/XX/XXXX. I've returned all equipment ( no dispute ). I do not owe them this amount because I was not under contract. XXXX XXXX has now employed a debt collection agency 'Credence Resource Management ' XXXX who has began calling me. I explained the same statement above to them. XXXX XXXX  is fraudulent to impose this early termination fee. I was a good customer for more than 2.5 years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: TD BANK US HOLDING COMPANY
State: NH

Complaint narrative:
We purchased merchandise and financed it for 0 % interest for 60 months. The credit card statement reads, in relevant part If you make only the minimum payment each period, you will pay more in interest. This language is required by regulation. However, it is false in this case as the interest will the same if we pay 60 equal payments or pay more with any of the payments. The language almost induced us to pay more than the minimum, which of course would make the cost to the bank less for supporting their 60 month no interest offer. In this situation the bank should add language that does not mislead people to paying off no interest loans early. 

Bank is TD Bank , N.A . Credit card is XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
I am receiving a derogatory/negative remark on my credit report for this creditor for money I do not owe. I am unaware of this account and monies owed. This creditor is negatively and incorrectly impacting my credit report for a balance of {$1000.00}. I ask that this be removed once and for all. I did try to contact this creditor and advised them I am not responsible for this debt however, they have not removed this account from my credit report which is intentionally negatively impacting my score.

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 2020-06-29 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: TX

Complaint narrative:
My account ending in XXXX with American Express has been paid off. American Express is showing their is a past due balance of {$690.00} and that is incorrect. Also, the negative remark of this being a charge off account is inaccurate. Please see attachment from American Express validating this account has been paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: KEYCORP
State: WA

Complaint narrative:
Ive called key bank multiple times to have them send me a new card to my new address ive sent a change of address with photo and they still are saying they cant issue a new card im getting so upset because i have bills to pay can someone please help me get my unemployment card

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I've had gasoline credit cards with Exxon XXXX XXXX XXXX XXXX and Sunoco XXXX XXXX XXXX for almost 50 years. Both have been taken over by Citibank. I have averaged {$11000.00} of gasoline purchases using these cards during XXXX & XXXX. My Exxon-Mobil statement due XX/XX/XXXX had an amount due of {$86.00} for XXXX purchases and I deliberately sent check # XXXX for {$88.00} more than the amount due as a sign of good faith. And then in a Citi letter from XXXX KY dated XX/XX/XXXX, ( 12 days prior to the XX/XX/XXXX due date ) with a bogus reason stating that the written and numerical amounts differ which was not true without any tel # or name to call.. So, I returned check # XXXX for the XXXX purchases along with a second check in the amount of {$67.00} for the XXXX purchases again weeks before the XX/XX/XXXX due date. I did not include the fraudulent interest charge, nor the fraudulent service charge. 
And then on XX/XX/XXXX, 15 days prior to the XX/XX/XXXX due date as my wife was filling up at an Exxon station prior to beginning our vacation trip, her card was declined. I called Cust.Serv.and spoke with XXXX who told me that a human doesn't review returned checks and he couldn't help a 50 year credit card user who has paid $ XXXX gas charges in XXXX & XXXX. I asked the matter to be escalated and instead I was transferred to another RepXXXX ID # XXXX who followed the exact same script as XXXX. I asked the matter to be escalated and I was given XXXX ID # XXXX and told the 3rd rep my entire story and that we were scheduled to leave for vacation at XXXX and she followed the same script and said that she was my highest entitlement at Citi and nobody at Citi could resolve this negligent Citi system XXXX up. Clearly there are fees and interest that they extort out of more than me in this scam and they need to be audited by the regulators

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 2020-06-29 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: NY

Complaint narrative:
To Whom it may concern. I have a few unauthorized things I would like to be removed from my credit report and all credit reporting companies as I am being hit with hard pulls I never applied for. The dates are XX/XX/2020, XXXX, XXXX XX/XX/2020, XXXX XX/XX/2020, XXXX XXXX XX/XX/2020. I recently applied for a XXXX card and that's it all this other stuff is bogus or fraud. I never signed any papers. If they can show validation I'd love to see it because I never tried to do any business with above. XXXX XXXX that's another inaccurate thing on my credit file in marks section. I will show you pictures of everything.

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 2020-06-29 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: UT

Complaint narrative:
I had in XX/XX/XXXX charges made on the c/c for XXXX. 
XX/XX/XXXX I asked XXXX for the refund charges of {$170.00} & XXXX = {$330.00} ; and they were processed, see attached. 

This account is closed, as we have had HORRIFIC customer service and numerous emails, situations, and previous complaints filed with CFPB. Therefore, we can ONLY deal with the " Executive Branch ''. 

XXXX, my wife, spoke with XXXX from this Executive branch on another problem on XX/XX/XXXX ; and she told u she would not be handling this claim but that XXXX XXXX would be. 

We then emailed XXXX XXXX that day @ XXXX, in addition to the CFO XXXX XXXX, and another email XXXX stating we needed this credit amount of {$330.00} put back into our account # XXXX which they do have ( as XXXX had to transfer a previous {$900.00} ish on another claim that Citibank refused to process on time ) or they can send us a refund check. 

We emailed again XXXX XXXX, XXXX & the Executive response unit on XX/XX/XXXX at XXXX showing them the credits were on my account and we need our $ sent back. 

They still have refuse to contact me, and/or to send back our refund money legally due to us. 

I have proof of all the emails sent to them, XXXX showing it was done weeks ago, and proof of the credit sitting on the account.

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 2020-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have submitted 2 disputes to XXXX, XXXX, and transunion for account # XXXX for XXXX XXXX  ( Original Creditor : 08 XXXX   XXXX XXXX XXXX XXXX XXXX ). Twice they have " verified '' this debt ... ..The reporting on their report is supposed to be 100 % accurate and its not. Here I reach out to portfolio for validation of debt as i have no recollection of this debt and they claim I owe {$450.00} as 2 out of the 3 ( XXXX  deleted it ) credit bureaus are reporting that I " owe '' {$450.00} ... ... how are they doing a full and proper investigation when the information is inaccurate? The answer is they have not ... I have attached documents as proof.

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 2020-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Failed to provide me with how they verified an alleged debt when requested and are in multiple violations that go against the FCRA. They said they verified the debt, how? Did they get on the phone call? According to the FCRA, all reports have to be reported correctly, that's a violation and grounds for deletion. 609a, 1, A and sec 611a, 1, A No Contract with my signature on it. Comply with sec. 111, 5, A FCRA and DELETE that non-valid account immediately or a lawsuit will pursue.

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 2020-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Failed to provide me with how they verified an alleged debt when requested and are in multiple violations that go against the FCRA. They said they verified the debt, how? Did they get on the phone call? According to the FCRA, all reports have to be reported correctly, that's a violation and grounds for deletion. 609a, 1, A and sec 611a, 1, A No Contract with my signature on it. Comply with sec. 111, 5, A FCRA and DELETE that non-valid account immediately or a lawsuit will pursue.

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 2020-06-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: WI

Complaint narrative:
SLS Loan # XXXX : I approved a loan modification on this loan too pay {$910.00} starting XXXX. However, each month my payment amount has been over {$910.00} but I am still not current. I am told that my monthly payment is now {$1100.00} per month over {$200.00} more than the agreed upon amount. FRAUDS : like these are an ongoing problem for XXXX Borrowers & over the last 10 years I have complained about these crimes to your organization commited by XXXX XXXX XXXX, XXXX & SpecialiZed Loan Servicing. IF, there are any Consumer PayOUT , I $ hould be XXXX $ T in LINE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX. ATTACHED FRAUDULENT XXXX STATEMENT

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 2020-06-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
We were supposed to close on the XXXX of XXXX but USAA kept making excuse as to why the closing had to be delayed. They would ask for More documents Almost everyday despite us providing all documents required for the loan. So the closing date was pushed to XX/XX/XXXX. And i do not believe they are honoring their contract by this date. No call or informing the title company of this action. They are breaching their contract with us. On XX/XX/XXXX they sent us the closing disclosure but since then no action has been made. They have made us pay for an appraisal, made us obtain wind, hail and homeowners insurance to be effective on 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 2020-06-29 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Lending Club Corp
State: CT

Complaint narrative:
My name : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX : XXXX XXXX XXXX. 
Lender.lending club Amount of loan : {$4000.00}. 
Date of loan : XX/XX/2019. 
Total amount paid : {$4800.00}. 
Final payment XXXX. 
I called lending club XXXX XXXX And told them that was my final payment. And they told me thst i still owe over {$1000.00}. 
Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 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: EQUIFAX, INC.
State: TX

Complaint narrative:
My account ending in XXXX with XXXX XXXX has been paid off. XXXX XXXX is showing their is a past due balance of {$690.00} and that is incorrect. Also, the negative remark of this being a charge off account is inaccurate. Please see attachment from XXXX XXXX validating this account has been paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My account ending in XXXX with XXXX XXXX has been paid off. XXXX XXXX is showing their is a past due balance of {$690.00} and that is incorrect. Also, the negative remark of this being a charge off account is inaccurate. Please see attachment from XXXX XXXX validating this account has been paid off.

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 2020-06-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Synovus Bank
State: NC

Complaint narrative:
I have had issues with First Progress sending me statements. This issue dates back at least 18 months. This has caused two issues ( described below ). 
1. They have reported missed payments against my credit score in the past. I reached a supposed resolution with a customer service agent in their company who told me to fill out a form that i think is called the Goodwill Letter and mail it in to the credit card company. I was told that with my other good payments that they would go back to the few missed payments and erase that off of credit file, thus removing the negative remark on my credit. I mailed these papers to them 4-5 months ago and they still have not reached out to me OR removed the negative remarks on my credit. 
2. I was recently ( last 30 days ) given another negative remark on my credit for missing a payment. I have not been using the card to purchase anything so i knew i wouldn't have a balance to pay. I was doing this because i am still NOT receiving bills from them letting me know what my balance is. I can only speculate that the amount due is an admin charge ( i am speculating because i can not get in touch of them, see below ). I would love to be informed on what i owe, but they aren't sending me my bills and they aren't ' answering their phones and now they are damaging my credit that I have been repairing for the last two years. 
3. They aren't answering my calls. I have called First Progress once a day every Monday, Tuesday, Wednesday, Thursday, and Friday since XX/XX/XXXX at different times each day. Each time i call i am greeted with a recording that tells me that their call volume is high right now due to COVID they have less employees available. Unfortunately, the option to stay on hold and wait is not available as the automated system hangs up on me automatically after delivering the automated message. I understand COVID is a concern right now, at the same time i can't get ahold of anyone to help me resolve my issues or even shed any light on them. 

I want all of my negative remarks from this company on all three of my bureaus removed immediately. I want to pay them what i owe them so long as these are justified charges. After all of this i want to cancel my card with this company. I can no longer trust them to treat me correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 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 — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
XX/XX/XXXX - {$1400.00} purchase with XXXX XXXX XXXX on CitiBank Credit Card. The cruise was cancelled by XXXX XXXX because of HURRICANE IRMA. A Future Cruise Credit was provided per company policy. A new cruise was selected for XX/XX/XXXX. 

XX/XX/XXXX - The scheduled cruise was cancelled for COVID-19. 

XX/XX/XXXX - XXXX XXXX sends an email allowing Future Cruise Credits OR FULL REFUND promised to be delivered on XX/XX/XXXX. The application for a FULL REFUND was submitted the same day on XX/XX/XXXX. 

XX/XX/XXXX - XXXX XXXX does not issue the refund. A dispute is filed with CitiBank to get a refund for the XX/XX/XXXX ticket. 

XX/XX/XXXX - CitiBank rejects the dispute and charges the account for ANOTHER {$1400.00} instead of providing the return. There is now a total of {$2800.00}.

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