vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
On XX/XX/XXXX, I contacted Citi bank to close both my savings and checking accounts with the bank. However, I was bounced around from representative to representative over the phone and could not actually get a hold of anyone who'd be willing or able to close the accounts. I tried to follow up on XX/XX/XXXX and XX/XX/XXXX but was never successful closing the accounts.

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 2021-03-17 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: IN

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc.
State: AE

Complaint narrative:
While reviewing my credit report with our military financial advisor, I was informed that Amsher Collection placed a entry on my credit report from XXXX XXXX. However, I was living in government housing ( military housing ) and when you XXXX ( move to a new duty station ) they verify if all utilities were paid including cable. Thus confirming the debt is invalid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
Back in XX/XX/2020, I purchased an airline ticket with XXXX XX/XX/XXXX. In XXXX, when the flight was scheduled, it was cancelled due to Covid. I fought with both XXXX XX/XX/XXXX and Citi Bank Credit for a refund. It was denied even though U.S. Dept. of Transportation said the must offer the refund. It took ten months of dispute and getting my congressman, Representative XXXX involved to get the refund. However, Citi Bank credit card refuses to refund the credit charges even though they acknowledge that it was a bogus charge in the first place. Charges from Citibank are about {$200.00}.

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
Consumer complaint received 2021-03-17 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: CA

Complaint narrative:
I, XXXX XXXX noticed TransUnion is in violation for reporting fraudulent and erroneous accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts are involved in litigation. Reasons are listed below : 15 USC 1681 ( a ) 3 - Assuming a vital role of evaluating credit which I never gave them authorization to do so. Which is highly effecting my life.

15 USC 1681 ( a ) ( b ) - Did not receive fair and equitable value.

15 USC 1681 ( a ) 2 ( b ) - any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device This was raised from my social security card ( credit card ) and should be excluded from my report.

15 USC 1681 ( b ) ( a ) 2- In accordance with the written instructions of the consumer to whom it relates. 

I never gave permissible purpose or written permission to furnish any reporting on my behave.

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 2021-03-17 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
I signed a quote for a 36 month lease. The finance department employee changed the lease to 39 months on the contract via the computer without telling me.

We returned to the dealership to re-do the contract to reflect the correct number of months. They assured me it was rectified. Upon calling Toyota Financial ( whom I've been a customer for 9 years ) they notified me the contract was not updated by the dealership.

Attached is the Signed contract for 36 months Current Statement reflecting 39 months

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Aargon Agency, Inc.
State: TX

Complaint narrative:
I have tried to ask for the itemized bill so we can solve this debt. I called again today XX/XX/21 at around XXXX and usually calls will be recorded but today it was not and the man who answered was extremely rude and used foul language. When I asked for this information he accused me of trying to get out of paying and began verbally attacking me and stated he had spoken to coworkers about me. He said my questions were ridiculous and what was I trying to do by asking them. When I asked for his name he simply hung up on me. When I called back Im not sure if I spoke to a different man because nobody would give me their names but this man refused to give me paperwork information and proof of my debt and also accused me of trying to get out of paying which I was not. I simply wanted to know what I was paying for because its a debt from years back. This business is incredibly unprofessional and unnecessarily aggressive, abusive and their tactics are borderline illegal.

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 2021-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have tried to fix the names and addresses on my credit. Transunion and XXXX and XXXX won't delete these wrong names and addeeas off my credit report. 

Can someone please help me remove these wrong addresses and alias names that are not me from my report

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 2021-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have tried to fix the names and addresses on my credit. XXXX  and XXXX  and Experian won't delete these wrong names and addeeas off my credit report. 

Can someone please help me remove these wrong addresses and alias names that are not me from my report

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 2021-03-17 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: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX, I called Chase multiple times regarding a charge on my account from a merchant that I should have been protected from - that's a separate complaint. During two separate phone calls, I communicated clearly that I wanted to close my Chase Sapphire card as a result of their inability to fix the situation mentioned above. They did not close the account and charged me the annual membership fee of {$550.00} on XX/XX/XXXX ( of which they deducted {$100.00} ). I did not notice this charge because I set up automatic payments for the card and have not used it since my conversation about closing the account on XX/XX/XXXX and XX/XX/XXXX. 

Today ( XX/XX/XXXX ) I wanted to use my IRS stimulus check to pay off a portion of my card, but was not able to log in to the online portal to do so. I didn't have my credit card number ( because I had understood that the account was closed ) and thus couldn't reset my password. I was told during this call that my account was not closed, and that I had been charged the membership fee this year, and that I could not get that fee refunded even though their failure to close my account was not on me. 

I was told that the call was being recorded for quality assurance purposes, and at this point I said I was also recording the call. When I said this, the supervisor on the phone said I did not have permission to do so and I told him that I would then delete the recording ( and did ). However, all calls I have made to Chase have been recorded for quality assurance purposes ( although based on previous issues with the card, they seem to be unable to locate those recordings quite often ), so I believe that it should be possible to obtain recordings of these phone calls on XX/XX/XXXX and XX/XX/XXXX in which I clearly stated that I wanted to close my account and cancel my card. You can verify that I have not attempted to use the card for any purchases since prior to XX/XX/XXXX, which I hope will corroborate my story in case Chase is unable to locate the records of these phone calls. 

As of today ( XXXX ), Chase confirmed XXXX finally ) that all accounts I have with them are closed, but as stated, they refused to refund me the membership fee. Attached is a document from XX/XX/XXXX proving that we spoke on that day ( thus recordings should be available ), my XX/XX/XXXX statement with the aforementioned {$550.00} fee ( readjusted to {$450.00} ), and a summary of account activity since XX/XX/XXXX. 

I am reaching out to the CFPB in the hopes of getting that membership fee refunded. I feel very completely taken advantage of by Chase Sapphire ( and not for the first time ). I have strong credit, make my payments on time every month, and have generally been a good customer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-17 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: FL

Complaint narrative:
On my XXXX bill from Barclaycard there was a charge of {$1500.00} made on XX/XX/2020, from XXXX ( some weird company I've never heard ) of located in the state of Georgia ( I live in Florida ). I immediately contacted Barclay 's and told them this charge was fraudulent and they issued a refund and cancelled my card sending a replacement. They sent me a letter saying their initial fraud investigation showed I was not liable for the charge. In a few weeks, however, they reissued the charge, saying their " proof '' I made the charge was the company had my address ( no proof of what services provided or anything shipped to me ). I told them I would NOT pay this, that I did not receive any services or items from that company. I asked what actual proof they had for this charge ( so I could dispute it ). They then started another ( real? ) fraud investigation and on XX/XX/XXXX said they would resolve this in 45 days ( business days? I did not know how long to wait so I waited until now before proceeding ). I still have not received any report or final conclusion from them, and I can categorically state I have never received any services or items from that company and would love to see proof otherwise. However, I keep getting monthly bills from Barclay and the interest now is adding up ( my bills with all my credit cards are always paid in full and the only time I ever used my Barclay card prior to this was for purchases from XXXX ). My credit for 50 years has always been exemplary and this is unacceptable behavior on Barclay 's behalf.

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 2021-03-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
My mother refinanced her home in 2008 for the amount of {$45000.00} through Wells Fargo Home mortgage and today she currently owes {$34000.00} and this is after I have paid over {$50000.00}. The major problem that I can see is that Wells Fargo approved this loan for her and she was not financially capable of paying it. At the time of approval, my mother was deemed XXXX by the social security administration and was receiving benefits roughly in the amount of {$700.00}. The other issue why she wasn't qualified is the fact that she had a car loan in her name and a judgement on her credit profile. I strongly believe that the underwriting process was fraudulent and now she's having trouble paying her mortgage. The other issue that shes on payment deferment due to covid and they are charging late fees every month.

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 2021-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I contacted XXXX to obtain my free credit report. 
( Had already received one from XXXX with no problem. ) First via their website. I gave them all the pertinent information IE Social Security number, Birth date etc. After filling in all their questions I was declined with a : We are unable to confirm your identity .... 
I called and requested the report and answered their questions IE. SS # Address etc Then they asked me about a car loan and some other financial questions which I did not recognize ... .They declined my request and put me thru to a live person I told them what happened and they said I had to Fax my id and social security card. 
I said I did not have a fax number and could not afford to pay to fax the documents but I could upload them and asked for an email address. 
He said there was only one way to do it and that was by fax. 
This seems highly discriminatory considering this could have been solved with email. 
Why I can not upload this on their website does not make sense. 
I need my report so I can see what, if any, negative information is on it. 
I am who I say I am. 
If you need any information to confirm that just let me know and I will be happy to give it to you. 
I have XXXX and MXXXX XXXX. 
I have XXXX and this has caused me great XXXX and XXXX. I would like to fix what ever credit problems I have. 
Thank you for your consideration in this matter. 
As a Federal agency you have all of my information on your files. 
It will be easy for you to confirm who I am. 
Thanks R.D.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 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: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Only one of the three credit reporting agency XXXX XXXX is wrongly reporting I have late mortgage payments in XXXX and to correct the issue I provided them 12 bank statement showing mortgage payment was paid every month on time through direct debt and after multiple online disputes and calls with supervisors I was informed the best way to fix it is to ask mortgage company to send them a letter to remove the account. Mortgage company did send them a letter back on XX/XX/XXXX asking to remove the account and I was shocked as I am in the process of buying a house to find out that the wrong information still on my account which is hurting me financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I contacted TransUnion to obtain my free credit report. 
( Had already received one from XXXX with no problem. ) First via their website. I gave them all the pertinent information IE Social Security number, Birth date etc. After filling in all their questions I was declined with a : We are unable to confirm your identity .... 
I called and requested the report and answered their questions IE. SS # Address etc Then they asked me about a car loan and some other financial questions which I did not recognize ... .They declined my request and put me thru to a live person I told them what happened and they said I had to Fax my id and social security card. 
I said I did not have a fax number and could not afford to pay to fax the documents but I could upload them and asked for an email address. 
He said there was only one way to do it and that was by fax. 
This seems highly discriminatory considering this could have been solved with email. 
Why I can not upload this on their website does not make sense. 
I need my report so I can see what, if any, negative information is on it. 
I am who I say I am. 
If you need any information to confirm that just let me know and I will be happy to give it to you. 
I have XXXX and XXXX XXXX. 
I have XXXX and this has caused me great stress and anxiety. I would like to fix what ever credit problems I have. 
Thank you for your consideration in this matter. 
As a Federal agency you have all of my information on your files. 
It will be easy for you to confirm who I am. 
Thanks 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 2021-03-17 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:
The Company is Transunion : I filed a dispute about an collection agency, XXXX XXXX, on XX/XX/21. This company violated my consumer rights by not contacting me to let me know about the debt in order to follow the proper steps to dispute the debt with them because I do not owe XXXX anything. They just simply filed on my credit. I have read reviews on the company and they practice unethically. 

I also filed a dispute about a late payment from XXXX XXXX as well. The company was merging at the time with XXXX XXXX XXXX. Due to them not sending me up to date information to where I would send my payment, I was not able to send it in and they told me that they would reverse the late payment. 

It appears that Transunion did not do any research into my claims.

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 2021-03-17 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: MD

Complaint narrative:
I have disputed the items that are not mine and there some items that is still remaining that needs to be deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 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: Navient Solutions, LLC.
State: NC

Complaint narrative:
I contacted Navient on XXXX of 2019 and advised that the courts had included my Student Loan Debt in my Bankruptcy but they refuse to remove the loans. I've given them the information from the courts and Transunion has closed out the accounts but they are still reporting balances in my XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: SLM CORPORATION
State: MD

Complaint narrative:
Sallie Mae called third parties that had nothing to do with the loan and was not on the loan paperwork. My spouces ex wife and their children, etc.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Synergetic Communication Inc
State: GA

Complaint narrative:
I received a notice in the mail today XX/XX/2021, dated XX/XX/2021, regarding a discounted payment offer of a debt I am unaware that I owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 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: EQUIFAX, INC.
State: VA

Complaint narrative:
The issue with XXXX XXXX still remain on my credit report. With the provided evidence that shows the account was reopened in XXXX was on all three of the credit bureau reports. XXXX removed XXXX immediately due to the fraudulent reopening of the account. I ask that Equifax remove XXXX XXXX XXXX off my credit report because of the account reopening.

Company response to consumer: Closed with explanation