vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-07 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
In early XX/XX/XXXX I received a notice from XXXX XXXX that my account was closed sue to a payment that was " returned due to Customer Advises Not Authorized ''. The letter was dated XX/XX/XXXX. I have two homes and this mail was sent to my home that I was not back to until early XXXX. Normally my mail is forwarded but this letter did not arrive at my alternate address. I had no idea the payment was declined and not authorized. While I was traveling in XXXX my Bank declined several charges on my account because of transactions that were out of my pattern of spending. I had no idea this payment had been declined. As soon as I got the notice I called XXXX to pay the full balance to avoid a bad report on my credit. On XX/XX/XXXX they accepted a phone payment of {$370.00} to pay the balance in full. This transaction is on my Bank Statement as being processed by XXXX XXXX XXXX onXX/XX/XXXX and they assured me it would not reflect negatively on my account. Subsequently I was contacted by XXXX XXXX XXXX. I explained the situation and they said I still had to pay them because the account had been turned over to them to handle. I order to settle the matter I paid XXXX the {$370.00} by phone on XX/XX/XXXX. That is reflected on my Bank statement onXX/XX/XXXX. As you can see I paid this balance TWICE! I thought the matter was settled until I recently applied for a credit card - the first time since this incident. I was turned down and got a copy of my credit report and discover that XXXX is reporting my account as " Charge off '' but the details show the {$370.00} was paid. In another area they report " Purchased by another lender ''. XXXX shows the account as paid and I have a letter from them stating that it would be reported as paid and closed. When I talk to the Experian they refer me to XXXX. They have nothing in their records until I press the matter and ask for a supervisor - they they find the details and refer me to XXXX. When I talk to XXXX they refer me to XXXX. I have paid this account off twice and should not have it on my Credit report that it was charged off. I have made two disputes to this to no avail and have started another. I have supplied Experian with all of the information. XXXX is NO HELP AT 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 2017-06-07 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
Please See Attached letter  and documentation regarding this complaint.. Complaint against Chase regarding changes made to HELOC Loan, Line of Credit , changing the payment amounts, principal and due dates. Chase Not sending an accounting or monthly statement or giv9ing us a good explanation. Not giving full disclosure  on the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Th e Macy 's   XXXX   XXXX  Credit Card account was overpaid  and Citi blocked the account. After requesting a refund, Citi refused to refund citing " security review ''. This is directly violating the Truth in Lending Act : Per regulation Z, 1026.11. ( a ) ( 2 ), Refund any part of the remaining credit balance within seven business days from receipt of a written request from the consumer ; Banks are required to refund the overpayment upon request within 7 days.

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 2017-06-07 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: NH

Complaint narrative:
I received a letter from a collection agency in  XXXX     2017  about a debt I owed to  XXXX   XXXX   XXXX  (  XXXX   XXXX   XXXX   XXXX  ). I sent a letter disputing the debt to Transworld Systems In c ( the co llection agency ) disputing the debt because my insurance had n't been applied to the bill. I received a letter from Transworld the beginning of  XXXX   2017  with a breakdown of my medical charges ( $  XXXX  $  XXXX  = {$1400.00} )  and a link to  XXXX  to pay online. I then received a second letter in  XXXX  of    2017  stating that I owe {$1300.0 0} ( afte r insurance adju stments ) and  a link to transworldpayments.com. When I checked my credit the beginning of  XXXX   2017 , it stated that I had an outstanding balance of {$2800.00} broken down into  XXXX  charges all on  XXXX   XXXX ,  2017  ;  XXXX  for {$93.00} and  XXXX  for {$1300.00}. So, they had slightly more than double charged me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Castle and Cookie Mortgage LLC
State: CA

Complaint narrative:
About six months ago I decided to start the home buying process, I am a mother of XXXX XXXX XXXX and work hard everyday to support my family ... I was referred to cook and castle by my realtor and without prior experience I had full trust in them, the lender stated he had experience in my type of loan and credit history. I provided all documents that were asked of me and also a co buyers documentation ... <P/>I was hopeful they would look over everything and point us in the right direction, and if we were not ready they would provide assistance in what needed to be done for the future. my lender gave the OK to look at homes even gave us a number of XXXX with 104 % financing all I had to do was put a good faith deposit.. I fell in love with a house so I put in the offer and the seller accepted my offer! We were ecstatic!!! <P/>The seller asked for XXXX dollars in a good faith deposit ..I was so nervous, that was a lot of money for me, almost half of my savings, but the seller put a contingency that if the loan could n't get approved she could keep my money, but my lender keep re assuring me everything was ok.. the further we got the more things keep coming up more money and more money needed to be paid. At one point I ran out of money but kept trying to keep up.. At no point did my lender say to stop this process, my credit was not ready at all ... and when the moment came and the seller asked to sign over my good faith deposit, he said " everything looks good '' and advised to sign it over ... After paying the appraisal..everyday something else came up that I needed to pay, nothing was ever for sure.. still no direction to stop and cancel He realized things were going wrong and things were over looked and I really was n't ready to buy a house ... the only reassurance I was getting was a promise he would pay back the good faith deposit if the loan fell through ... just keep saying in text that you could not put it in writing just to trust you.. <P/>This whole experience has been a nightmare for me and my family, I even took my son out of his school and put him closer to the new house .. cook and castle should have never let it get that far.. I trusted this lender to guide me in the right direction.. now My family is left with a empty bank account, no house and devastation At what point was he going to say ... XXXX you are not ready. <P/><P/>I am requesting my good faith deposit and appraisal/ inspection funds that I have lost in the process XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-07 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: Uber Technologies Inc.
State: CA

Complaint narrative:
I have a lease contract for {$170.00} per week, i 've been paying this for almost 12 months. Apparently Uber initially had me sign the wrong lease Contract, which was for another car their payments were {$170.00} per week, mine should 've been {$170.00} per week. Since uber lease made a mistake in having me sign wrong contract and quoted me the {$170.00} per week they told me they would have me signed a new contract and honor the same terms ... this was back in  XXXX . Last month they started taking out {$170.00} per week, I 've called them several times over the past several weeks and I keep hearing the same thing it 's been escalated, they 're working on it but they need me to produce a contract showing the {$170.00} per week which I did with the old contract could n't find the new  one  I initialed. Still looking for new contract but they do n't have anything in writing with me signing anything stating I would pay {$170.00} per week. This is a breach of contract,  Uber  leasing company has failed to correct this and is continually taking out the wrong amount. This all started initially with them taking out a Extra amount of {$150.00} out of my direct apposite for no apparent reason, all payments have been taken out of my account by direct apposite for the past 12 months every week for {$170.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07 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: VA

Complaint narrative:
I signed up for XXXX XXXX to validate my credit information. At the time in XX/XX/XXXX, I found four items that were incorrect on my Transunion credit report. I immediately, did an online dispute for the four incorrect items. 30 days later, I received an email from XXXX XXXX notifying me that three of the four items were removed. The fourth item was not removed as the company stated that the item was indeed correct and mine. I called, Transunion and spoke with an associate who submitted a new dispute for me requesting that the company, XXXX XXXX provide me with proof that the item belongs to me. The dispute was done on XX/XX/XXXX on XX/XX/XXXX, I received and email from Transunion stating the dispute was complete and that the item was confirmed by XXXX XXXX. <P/>I called XXXX XXXX onXX/XX/XXXX and was transferred four time to no avail. OnXX/XX/XXXX.XX/XX/XXXXI called XXXX XXXX again and finally spoke with XXXX in the personal loans department. I explained to XXXX that I was trying to get information on an item listed on my credit report that I know is not mine. I advised that my credit report lists the item as an Automobile loan with a partial account number of XXXX though when I spoke with someone from XXXX XXXX in auto loans they could not help me. <P/>XXXX advised me as follows : The loan is actually a secured personal loan and was opened XX/XX/XXXX. He also stated that an automobile was used as collateral. I asked him to advise me of the make and model of the car used as collateral but he could not tell me.I asked for proof that this account belongs to me ; a copy of the signed document in an effort for me to compare signatures, XXXX placed me on hold to confer with his supervisor. XXXX came back to the line and asked for my address as he had to submit a formal request to have the documents mailed to my address. XXXX was not able to could not provide an eta on how long it will take to receive the documents or what the documents will consist of. <P/>Please help me as I am certain that I did not open a secured loan with XXXX XXXX in XXXX. XXXX XXXX is unable to provide me with any proof that the account belongs to me. <P/>Thanks in advance. 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 2017-06-07 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: VA

Complaint narrative:
I signed up for XXXX XXXX to validate my credit information. At the time in XXXX XXXX I found four items that were incorrect on my XXXX credit report. I immediately, did an online dispute for the four incorrect items. 30 days later, I received an email from XXXX XXXX notifying me that three of the four items were removed. The XXXX item was not removed as the company stated that the item was indeed correct and mine. I called, XXXX and spoke with an associate who submitted a new dispute for me requesting that the company, XXXX XXXX provide me with proof that the item belongs to me. The dispute was done on XXXX on X/X/17, I received and email from XXXX stating the dispute was complete and that the item was confirmed by XXXX XXXX. <P/>I called XXXX XXXX on XXXX/XXXX/XXXX and was transferred four time to no avail. On XXXX/XXXX/XXXX. I called XXXX XXXX again and finally spoke with XXXX in the personal loans department. I explained to XXXX that I was trying to get information on an item listed on my credit report that I know is not mine. I advised that my credit report lists the item as an Automobile loan with a partial account number of XXXX though when I spoke with someone from XXXX XXXX in auto loans they could not help me. <P/>XXXX advised me as follows : The loan is actually a secured personal loan and was opened XX/XX/XXXX. He also stated that an automobile was used as collateral. I asked him to advise me of the make and model of the car used as collateral but he could not tell me.I asked for proof that this account belongs to me ; a copy of the signed document in an effort for me to compare signatures, XXXX placed me on hold to confer with his supervisor. XXXX came back to the line and asked for my address as he had to submit a formal request to have the documents mailed to my address. XXXX was not able to could not provide an eta on how long it will take to receive the documents or what the documents will consist of. <P/>Please help me as I am certain that I did not open a secured loan with XXXX XXXX in XXXX. XXXX XXXX is unable to provide me with any proof that the account belongs to me. <P/>Thanks in advance. XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-07 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: MS

Complaint narrative:
On the dates of  XXXX / XXXX / XXXX  and  XXXX / XXXX / XXXX  I have unrecognized inquiries from the following company :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , DE  XXXX  (  XXXX  )  XXXX  I have sent a letter to address listed on  XXXX / XXXX / XXXX  but have yet to receive a reply.

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 2017-06-07 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: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
XXXX   XXXX ,   XXXX   I went to the  XXXX   XXXX   XXXX , located on  XXXX   XXXX ,  XXXX   XXXX , NJ. I went to  XXXX   XXXX   XXXX  to have some dental work done on my teeth. After a valuation they stated that I needed have bridge work done to correct my dental problem. I was given local anesthesia. After completion of the valuation, I was told that the cost would be  XXXX . {$4000.00}, and I was given an application to complete for Care Credit. It was not completely explained to me about the financing with Care Credit and I was a little drowsy from the anesthesia, so I completed and sign the application. I was only given 15 minutes to make a decision. I left  XXXX   XXXX , went home and thought about what I had done. I read the pamphlet which stated that I had 3 days to rescind the application. I called back to  XXXX   XXXX   XXXX  on th e 3rd day and spoke with one of the  ladies in the office name  XXXX , and told her to cancel my care credit account, I would paid with my own resources. She said the bridge was order. A month later I received a bill in the mail. A few months later I return to  XXXX   XXXX   XXXX  to have the partial   XXXX    done. I made a partial payment to the dentistry by credit card which was accepted. At this time I thought they had cancelled the care credit card application. Another month passed and I received another bill requesting payment from Care Credit. I called  XXXX    XXXX    XXXX  to remind them that I had cancelled the care credit card with them previously. Well they told me that they would not complete my dental work unless the amount was paid in full. I did not return to  XXXX   XXXX   XXXX  and the bills continue to come to my house. My complaint is that I cancelled the application within the 3 days and also paid out of pocket money for my partial   XXXX   work. I had no more dental work done and care credit is on my credit report showing that I owe {$2400.00} with an overdue payment of {$650.00}. I made several attempts to resolve this with  XXXX   XXXX , but have been successful. Please investigate this debt to clear of my credit report. My credit is good and this debt has caused by score to drop. I feel as though I have been taken advantage of as a senior citizen. Thank you for helping me with this matter.

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 2017-06-07 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: LEXISNEXIS
State: TN

Complaint narrative:
I had a Federal Tax Lien filed in error on XX/XX/XXXX. The IRS realized it was an error and issued a withdrawal on XX/XX/XXXX. The withdrawal was sent to the Register of Deeds in my county but XXXX and Lexis Nexis never reported the withdrawal. I filed a dispute and reinvestgation but XXXX  insisted the information from Lexis was correct and never corrected the information even though I sent them a copy of the withdrawal twice. My husband filed a complaint with CFPB as he was treated in the same manner. The result was it was corrected on his report but not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I have been trying to get the inquiry 's off I have been calling and sending letters and still no answer I would like them to be removed because I did n't apply or inquiry about any of them

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citi has refused to issue a refund check for the overpaid balancing. Their reason is it is under " security investigation '' Truth in lending actregulation Z, 1026.11. a2, Refund any part of the remaining credit balance within seven business days from receipt of a written request from the consumer ;

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 2017-06-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
I have been a Best Buy Credit Card Account member since XXXX XXXX 2007.  During that time I was unknowingly and unwillingly signed up for a Debt Protection Program that has charged me XXXX dollars a month that I thought was going to my principal. This morning, I received notice that I had to pay {$420.00} just to get my credit card back to its limit, even though I have n't made a purchase using my credit card in almost two years. I was unaware of this because I have made monthly payments on time through recurring payments, yet my account balance has grown. I got to the bottom of it and realized that all the money that should have been going to the principal was going to this program that has provided me no service. I found out, through calling that service that Citibank works with, that I have paid a total of {$1600.00} in fees to this Debt Protection Company. This is not counting all of the extra interest it as cost me to Citibank and Best Buy. The resulting total is thousands more. I have been a loyal customer to Best Buy for over 10 years and feel like, not only I was taken advantage of, but literally was stolen from. I submitted a claim for a refund but was told that I would need 30 days to hear from them and nothing was guaranteed and at that time my only option if I was n't happy with the out come was to write a letter to the following address : XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX, TX, XXXX. So I realized it was the BBB and I contacted them. They told me to file a complaint, but I could n't because it was " a business with a complaint for collections purposes with another business. '' I then called Best Buy Citibank Headquarters and they told me there was nothing more than I could do.

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 2017-06-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I applied for a car loan. I placed a credit freeze on my account in  XXXX    XXXX   after I was the victim of identity theft. I had a new number then. Now, I applied for a loan and the salesmen is telling me that I have a freeze alert on my account. However, when I contact the  XXXX  major bureaus they are denying that I have a freeze. Thus, I have been denied credit because they can not verify that it is me requesting the loan. I have told them several times to contact me at my recent number but they said that they have to use the number that was on the initial fraud report. It is frustrating because I know that my credit is  Good.  The companies involved are :    XXXX   XXXX   XXXX       XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX  of  XXXX , MS  XXXX   XXXX   XXXX  I have nothing against these companies. It is the credit bureaus telling me that I do not have a credit freeze ; but telling lenders that I do and lenders are caught in between.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P.
State: PA

Complaint narrative:
Southwest Credit Systems  claims i owe over {$1000.00} on a phone bill!

Company response to consumer: Closed with explanation