vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-16 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
1- XXXX XXXX/XXXX XX/XX/XXXX UNAUTHORIZE INQUIRE ON EXPERIAN 2- XXXX XXXX XXXX XX/XX/XXXX UNAUTHORIZE INQUIRE ON EXPERIAN 3- XXXX XXXX XXXX XX/XX/XXXX UNAUTHORIZE INQUIRE ON EXPERIAN 3- XXXX XXXX XXXX XX/XX/XXXX UNAUTHORIZE INQUIRE ON EXPERIAN 4- XXXX XXXX XX/XX/XXXX UNAUTHORIZE INQUIRE ON EXPERIAN 5- XXXX XXXX XX/XX/XXXX UNAUTHORIZE INQUIRE ON EXPERIAN 6- XXXX XXXX XXXX XXXX XXXX, XXXX UNAUTHORIZE INQUIRE ON EXPERIAN 7- XXXX XXXX XXXX XXXX XX/XX/XXXX UNAUTHORIZE INQUIRE ON EXPERIAN 8- SXXXX XXXX XXXX XXXX XX/XX/XXXX UNAUTHORIZE INQUIRE ON EXPERIAN 9- XXXX XXXX XXXX. XX/XX/XXXX UNAUTHORIZE INQUIRE ON MY EXPERIAN 10- XXXX XXXX XXXX XXXX XX/XX/XXXX UNAUTHORIZE INQUIRE ON EXPERIAN 11- XXXX XXXX XX/XX/XXXX UNAUTHORIZE INQUIRE ON XXXX 12- XXXX XX/XX/XXXX UNAUTHORIZE INQUIRE ON XXXX 13- XXXX XXXX, XXXX XXXX XX/XX/XXXX UNAUTHORIZE INQUIRE ON XXXX 14- XXXX XXXX XXXX  XXXX XX/XX/XXXX UNAUTHORIZE INQUIRE ON XXXX 15- XXXX XXXX XX/XX/XXXX UNAUTHORIZE INQUIRE ON XXXX 16- XXXX XXXX XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2019-06-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I open account with Citibank I gave them a {$500.00} deposit to get a credit card I never received the credit card so I cancel my account they told me that they would mail my refund out the {$500.00} deposit they say that they put it in the mail on XX/XX/XXXX would take 7 to 10 business days today is XX/XX/XXXX and I have still not receive my deposit refund I just spoke to someone on the phone from the company Citibank they told me that the check was returned to them on the XXXX and they will issue me a new check which is a lot of XXXX I always receive mail from them now all the sudden my check was returned with no explanation

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 2019-06-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I've had all the accounts mentioned below since XXXX with a great pay history. I am a loyal customer that asked to be treated as one not an interest bearing customer. On XX/XX/XXXX, I decided to consolidate all my creditors into 1 bill to become debt free. I mailed checks to payoff accounts to 3 Synchrony Bank credit cards ... Amazon Store Card, Sam 's Credit card, Walmart Credit Card and 4 others. The 4 of those checks to creditors were received XX/XX/XXXX & XX/XX/XXXX and posted to the accounts in a timely manner. Synchrony Bank on the other hand have decided not to post payments either because monthly amount due was due on the XX/XX/XXXX. They did not post the payments to charge late fees and to accrued interest which is unethical. 
I've called Sams, Walmart and Amazon for the past 3- 4 days to update the account in which I'm told they have not received it. USPS says differently because payments were delivered XX/XX/XXXX and/or 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 2019-06-16 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: NC

Complaint narrative:
My husband took my XXXXyr old son to XXXX XXXX on XX/XX/19 as my son was ill. My husband had to leave during my son 's appointment, so I met him there and continued forward with the appointment. My son was flu positive and received prescription for XXXX. Ms. XXXX noted as my husband and I were both exposed we should consider taking XXXX XXXX. She provided prescriptions for both my husband and myself, which I filled and paid for. Subsequently, my husband and I both received {$89.00} exam bills from XXXX XXXX  for the date of XX/XX/19. My insurance was billed directly but my husband was billed as un-insured as he was not in the XXXX XXXX system ( though we share the same policy ). I called XXXX XXXX to dispute the claims as billing fraud noting these services where never provided to my husband or myself. The representative confirmed they have no vital signs or notes in their system that would indicate any type of exam occurred. He reported it was likely an error on their side and would be resolved. It apparently was not resolved as the bill was turned over to a collection agency. I have paid it as XXXX XXXX correctly played the odds that I would not put in the additional effort to try to fight the collection agency. I do feel this is billing/insurance fraud. We will not utilize their services in the future and will strongly encourage others to avoid XXXX XXXX as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RentDebt Automated Collections, LLC
State: FL

Complaint narrative:
Rentdebt Automated Collection has place a inquiry of {$2800.00} on my credit report from previous apartment rental. 
My leasing agreement was fulfilled and I was allowed to stay a additional two more weeks until my new residence was available. I paid the pro-rated daily amount that I used and stayed till the end of my entire lease never missing a payment. A letter not to renew was provided to the leasing agent. 
A few months later I received a enormous balance due of {$2800.00}. 
Spoke to the rental leasing office the gentlemen there said he was able to remove some of the bogus charges that the manager at the time place on my account but that was the best he could do. 
This is not acceptable as to they had no real grounds to charge me these fees and were placed on there without any accuracy. 
In addition the apartment was rented immediately after I moved so no funds were lost from the company from my vacated the property. 
Please remove this inaccurate information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX XXXX it was capital one USA bank this was already took. Care of

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-16 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: DCN Holdings Inc.
State: OH

Complaint narrative:
A month or two ago, I started getting letters from a company ( XXXX XXXX, XXXX XXXX XXXX, XXXX, FL XXXX ) telling me that they were trying to collect a {$74.00} debt owed to " XXXX XXXX XXXX XXXX XXXX '' and that I better pay or they were going to make reports to credit bureaus. I wrote them back, telling them that I don't owe any amount to, and have never done business with, XXXX XXXX. A web search told me that this electric company is in Massachusetts ; I do not even live in Massachusetts and have certainly never done business with XXXX XXXX. XXXX XXXX just keeps sending letters. Maybe they are trying to scam lots of people.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I transferred {$1600.00} Comenity Bank ( XXXX ) credit balance to a new XXXX card with a zero percent balance transfer offer on XX/XX/2019, which is the date the balance appeared on my XXXX account. I wanted to close my Comenity Bank account but discovered it still reflected a {$1500.00} balance ( reduced because I had made a {$100.00} payment waiting for the transfer to be completed. ) On XX/XX/2019 I contacted Comenity Bank to ask when my account would reflect the transfer and how to close my account. I received the following response on XX/XX/2019 : We certainly do apologize for any inconvenience or confusion this has caused. Please go to the Account Services tab and select Transfer a Balance. Once you have selected Begin a Transfer, please follow the steps to process the request. The promotional Annual Percentage Rate ( APR ) and the total amount able to be transferred will be provided on the main Balance Transfer page before beginning the request. 

Although we are sorry to hear you wish to close your account you may do so by : 1. Submitting your request online via our " Contact Us '' link ( after sign in ) 2. Contacting us at the phone number listed on your credit card 3. Sending your inquiry by mail to the address listed below : XXXX XXXX XXXX XXXX, OH XXXX For one thing, I have never heard of having to request a balance transfer from the bank where I want to transfer a balance from. I transferred another account to the same XXXX card, without contacting the issuer, and it was transferred with XXXX  balance being reflected on my statement within a few days. This practice, if legal, is incomprehensible. I am now paying fees on two accounts for the same balance. 

Second, I am unable to follow the instructions provided to 'request a balance transfer ' because there is not an " Account Services '' tab on their website. 

I have been reasonably satisfied with Comenity Bank for the nearly ten years I've had the account, however this is absurd and, I hope, illegal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-16 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: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
Between mid-XX/XX/XXXX through mid-XX/XX/XXXX, someone made purchases through my XXXX account for a game made by " XXXX XXXX ''. I noticed due to the high card balance and I reported it to Chase on XX/XX/XXXX and put a claim into XXXX. XXXX refunded a weeks worth of charges. I attempted to contact XXXX, but there was no direct communication I could find on the web other then form ( would need to submit over 200 forms and their site does not mark which one have been submitted ) Chase did a Fraud investigation however since it was my XXXX account, they cant count it as fraud. Chase then submitted it as a dispute. The dispute lasted 2 months and I followed their instructions, including contacting XXXX and the merchant of the game through a number Chase provided me. Ultimately, XXXX advised me I need to contact the merchant. I was bounced back and forth multiple-times saying if I want a refund, contact the other person ( see the recent email chain attached ). Chase informed they cant do anything as it was digital product, to much time has pass ( even though I filed it within 2 billing cycles ) and  XXXX claims the money is already with the merchant, who does not reply to my request for refunds anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-16 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: TX

Complaint narrative:
DEROGATORY ACCUSATIONS INCLUDING ALLEGED INQUIRIES MUST BE METRO 2 COMPLIANT TO RETAIN OR REPORT SO DELETE ANY NOT PHYSICALLY WITH PROOF OF PERMISSIBLE PURPOSE FROM THE EXACTLY AND LEGALLY IDENTIFIED ME.I DO NOT AUTHORIZE YOU TO REPORT NOT PROVEN COMPLIANT INFORMATION AND YOU MUST COMPLY.. DELETE XXXX XXXX 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 2019-06-16 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
Navient calls me day and night, almost every 15 minutes. They not only harass me but my father as well who co-signed the loan. I am currently enrolled in XXXX   school full-time, and my loans were in deferment. I have 2 years left of education before I even begin to make a salary of any kind. I have blocked their phone calls, but they call from a new number every time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-16 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: EQUIFAX, INC.
State: WI

Complaint narrative:
I have contacted XXXX Equifax and XXXX to obtain free annual credit reports in addition I have received the reports from XXXX  and from XXXX but I have not received my Equifax report yet all these bureaus have a hard time verifying my identity when I call them or do the online process because I don't remember all my security questions and everything off the top of my head and so they have a hard time verifying my identity and then they're delaying it by telling me to mail in identity verification and so I do have a security freeze on all three credit reports and also fraud alerts that I put in place but those are the hard balls to me getting around at accessing my credit report and or dealing with day-to-day business with them

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Sarma
State: NC

Complaint narrative:
On XX/XX/XXXX, Sarma contacted my mother after I put in a complaint telling them to stop contacting all family members. They told me they would cease all communication. Its a debt that has been dropped from my credit. They have called harassing my dad, my mother, my exhusband, and my exhusbands family. They also tell them that I owe them and about the debt which that is embarrassing. I was told they would stop contacting my family and ex in-laws and it is still happening. Next step Ill be contacting a lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-16 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: WI

Complaint narrative:
I have contacted TransUnion XXXX and XXXX to obtain free annual credit reports in addition I have received the reports from transunion and from XXXX   but I have not received my XXXX report yet all these bureaus have a hard time verifying my identity when I call them or do the online process because I don't remember all my security questions and everything off the top of my head and so they have a hard time verifying my identity and then they're delaying it by telling me to mail in identity verification and so I do have a security freeze on all three credit reports and also fraud alerts that I put in place but those are the hard balls to me getting around at accessing my credit report and or dealing with day-to-day business with them

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 2019-06-16 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: WI

Complaint narrative:
I have contacted XXXX XXXX and Experian to obtain free annual credit reports in addition I have received the reports from transunion and from Experian but I have not received my XXXX report yet all these bureaus have a hard time verifying my identity when I call them or do the online process because I don't remember all my security questions and everything off the top of my head and so they have a hard time verifying my identity and then they're delaying it by telling me to mail in identity verification and so I do have a security freeze on all three credit reports and also fraud alerts that I put in place but those are the hard balls to me getting around at accessing my credit report and or dealing with day-to-day business with them

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 2019-06-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
On XXXX XXXX, 2019 I requested that all interest charged to my Bank of America account be reimbursed to me. 

A XXXX XXXX, 2019 letter from Bank of America credited my account {$.00} of the approximately {$940.00} requested.

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 2019-06-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I opened a Best Buy credit card account in 2012. At the time, the account was serviced by XXXX XXXX. At some point, the servicer changed to CitiBank and it remains Citibank. Since a few months after the account was opened, unbeknownst to me, the account was charged a " debt protection fee '' each month. I attempted to resolve this issue by contacting Citibank. It is their opinion that I signed up for this " service '' at the time I opened my account but they can not provide any proof I enrolled in the " debt protection program '' and I would never sign up for such a predatory program. 

I never noticed my account was being charged this fee because I opted into e-statements only. The only way to see the fee is by downloading a hard copy of the statement. The fee does not appear on the simple online monthly account summary which shows all purchases, interest charges, etc. 

It is my opinion that the " debt protection program '' was added to my account without my consent and that XXXX XXXX/Citibank intentionally concealed the fees. I never signed up for the service and it is not something I would ever sign up for because frankly, the program does nothing to protect consumers but in fact serves only to maintain the account balance. If the account holder only pays the minimum balance each month, the balance will not decrease due to the fee.

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 2019-06-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Merchants' Credit Guide Company
State: MO

Complaint narrative:
Merchants Credit guide co claims I owe {$1300.00} I paid {$1300.00} to XXXX XXXX ( actual original amount owed ) on XX/XX/2019. Collection agency still claims I owe a balance as of XX/XX/2019. I confirmed with a phone call to XXXX XXXX and they confirm its paid to XXXX balance. Merchants credit guide co is still trying to collect on this account.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: MD

Complaint narrative:
I purchased some merchandise off of XXXX on XX/XX/XXXX and the seller requested that I send the money through XXXX. I sent the XXXX and after the funds were sent I heard little from the seller and they eventually ended up blocking me and and I have no contact to the seller. I issued a dispute and there was no solution I end up losing my money and my bank said they could not do anything more regarding the situation. They told me I would have to directly go through XXXX  to resolve the matter XXXX does not have a phone number they can be reached at and the email support is not reliable

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NC

Complaint narrative:
Mortgage company accused of dual tracking but denies this. They changed the records of payments ledger fron plan payment to payment suspension. I'm providing record of trial payments and foreclosure sale date letter as well. 

And adding documents supporting unfounded money claimed after initial secured claim and payoff quote at time of bankruptcy filing. 

Also I want a breakdown of XXXX XXXX XXXX, NON CASH FEE ADJ, CORP ADV DISP, DecCorp Adv Deferred I, PMT-MISC SUSP, and MISC ADJ. 

Explained in FULL Also I've requested a ledger of PAYMENTS ONLY received by me. Do not add charges, fees, escrow, principal or balance, just the PAYMENTS received by myself since 2003.

Company response to consumer: Closed with explanation