vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-16 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I when on line XX/XX/XXXX to look a XXXX XXXX XXXX XXXX XXXX, I placed an order for this product on XX/XX/XXXX and completed my order. Sunday morning XX/XX/XXXX I received a strange e-mail bulletin type form showing my complete account number ( in large one inch print ) saying that my credit card was bad, and that I had to immediately place my order again with another credit card. I took the bait. I used another Citi card ( same CC company ) I received the first one the next week. Weeks later I received another one, but had no paperwork, I got a second XXXX XXXX XXXX unit from them that was charged to the account that they said was NO good. I didnt order two, and they have no right to use my credit card again. The second one arrived on XX/XX/XXXX coming from XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX. 
I received my Bank statement XX/XX/XXXX and filed a dispute with them telling them that I didnt buy two XXXX XXXX XXXXXXXX units. Now the newest statement reverses the charge back to me, saying this conditional credit was reversed, since it was determined to be a valid charge. My bank doesnt want to listen to me. A letter was sent to Citicards on XX/XX/XXXX again. I also contacted customer Service at XXXX XXXX XXXX  to request a call tag ( second request ) to pick up the second unit that was not purchased by me. 
FYI : XXXX  XXXX XXXX has numerous complaints with 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 2021-08-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: NE

Complaint narrative:
This debt is considered to be statute of limitation last payment made in 2014 limitation for this is 5 years for state of nebraska they switch companies and report it to credit bureau as new debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 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: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Three ( 3 ) mortgage servicers erroneously reported my mortgage as late on various dates ; beginning from XX/XX/XXXX through XX/XX/XXXX. 
I engaged a law firm to conduct a formal and written audit as the account was serviced and transferred from each servicer. Upon receiving the report showing substantial inaccuracies in the servicers reporting of those mortgage payment lates, I first disputed them with the three credit bureaus ; beginning on XX/XX/XXXX. 
When the credit reporting was not corrected, I then ( in writing ) began disputing the erroneous information directly with the servicers on XX/XX/XXXX, including a copy of the audit report. 
To date, the servicers and the credit bureaus have not corrected the information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Persolve, LLC - Legal - Series 2
State: GA

Complaint narrative:
I am not liable for this debt with XXXX XXXX XXXX XXXX and I do not have a contract with PERSOLVE XXXX XXXX plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 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: Lending Club Corp
State: OH

Complaint narrative:
I have ONE loan with lending club, however, my XXXX  report shows the same loan TWICE which has caused me issues obtaining new credit and credit limit increases. 

I contacted XXXX disputes and all they did was update the duplicate account with the payment history of the existing loan. In other words they didnt do anything to remove the duplicate loan and did nothing to fix it but closed just dispute. 

I contacted lending club today XX/XX/21 and asked for help and was informed its a known issue, no resolution date, theres no letter they can provide before I apply for my new mortgage - so essentially we dont care just deal with it. Please help me as I plan to apply for a mortgage in three weeks and this will be a major problem. Not only that it has also impacted my ability to obtain credit lines in recent card applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
This is unacceptable the credit bureaus have not responded back to me about my investigation. I sent a letter on XX/XX/2021 as of today its 49 days, exercising my rights under FCRA 611 ( a ) ( 15 U.S.C.1681i ) I challenged the accuracy, compliance and report-ability of these accounts below. 

1. XXXX/XXXX  : Account number : XXXX, How did you verify this account? Please delete 2. XXXX XXXX : Account number : XXXX, How did you verify this account? Please delete 3. XXXX/XXXX  : Account number : XXXX, How did you verify this account? Please delete 4. XXXX/XXXX  : Account number : XXXX, How did you verify this account? Please delete 5. XXXX/XXXX  : Account number : XXXX, How did you verify this account? Please delete 6. XXXX  XXXX  CU : Account number : XXXX, How did you verify this account? Please delete XXXX. XXXX XXXX : Account number : XXXX, How did you verify this account? Please delete 8. XXXX : Account number : XXXX, How did you verify this account? Please delete 9. XXXX XXXX : Account number : XXXX, How did you verify this account? Please delete

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Comerica
State: MI

Complaint narrative:
I contacted Comerica to dispute a XXXX  charge on XX/XX/21. I was asked for additional information which I supplied in early XXXX. Comerica has not provided any additional, ongoing updates regarding the dispute, and in fact, another unauthorized charge came through from XXXX for {$620.00} on XX/XX/21. Why was my dispute not resolved, and why has a new, unauthorized charge been allowed to come through from XXXX I was told that they would no longer be allowed to charge my account??

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I received a letter from XXXX XXXX XXXX stating that I owed {$460.00} and that an account was opened on XX/XX/2019. I called to verify and I was told that I did not have a card associated with my name. However, I received a letter from Portfolio Recovery Associates stating that the account was sold and it was attempt to collect a debt. During the time this account was opened, I was living in the state of XXXX and was not at the address mentioned on the XXXX XXXX XXXX Account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Hello, i am not employed with XXXX XXXX XXXX. I do not even live in Michigan. I would like that to be removed.

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 2021-08-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Students Come First
State: NJ

Complaint narrative:
I called XXXX to find out about the status of my loan and what to expect for repayment. The representative asked me if I was interested in forgiveness. I pre qualified so said yes. They connected me to a third party but did not inform me they were not affiliated with the federal government. The third party did not inform me they were not connected to the federal government. The company is Students Come First. I did sign the paperwork for forgiveness, but once again I thought this was coming through the Federal Government. 

They do not answer their phone calls. Im trying to get a response using email. 


I need to stop the transfer of this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian is reporting that I have a XXXX XXXXXXXX XXXX account that has two late payments which is affecting my fico score. This is not true and this account does not appear on my XXXX or XXXX reports. On XX/XX/2021 I disputed this with Experian it took them only a few days to falsely varify the information. This information is wrong and I spoke with the original creditor and the have no knowledge of that account. This XXXX XXXX XXXX account is harmful and I would like it removed immediately.

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 2021-08-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Capital one bank is requesting that I paid a bill that was discharged/charged-off and attempt to take me to court. I serve capital one bank an affidavit of truth and cease and desist letter they closed the account, however, they never REMOVED/deleted the reporting on my consumer report on the credit reporting agencies ( XXXX, XXXX, XXXX ). Capital one bank was given a written request/demand to remove the negative items from my consumer report, however, they refused to do so. 
I sent them a second affidavit of truth, debt validation of debt letter and an Invoice for the violation they committed which made them liable for Injuries, damages, pain and suffering they have cost me and my family. Through this written communication Ive made it Clear that they ( capital one bank ) has violated my federally protect consumer rights, which made they liable. I stated the violations are : 15 USC 1692 ( a ) ( b ) 15 USC 1692 ( e ) 15 USC 1692a ( 2 ) 15 USC 1692a ( 3 ) 15 USC 1692e ( 9 ) 15 USC 1692a ( 4 ) 18 USC 1028A 15 USC 1692d ( 1 ) 15 USC 1692e ( 2 ) ( a ) 15 USC 1692e ( 8 ) 15 USC 1692e ( 9 ) 15 USC 1692b ( 2 ) In addition, capital one has also committed the most egregious violation of them all which is Identity theft. Capital one bank submitted my personal information to third parties ( credit reporting agencies ) without my consent ( written or oral ). These actions has caused invasion of Individual and Family privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Medical Administrators, Inc
State: CO

Complaint narrative:
A couple of months ago, I responded to an on-line ad about Life XXXX  oil supposedly from XXXX XXXX, the actor. Not enamoured with him, I thought he wasn't XXXX enough to endorse a fake product. XXXX, for {$6.00} XXXX XXXX XXXX, I received a small bottle of XXXX oil. 
I hadn't used XXXX oil before and wasn't impressed. 
XXXX XXXX, I received a collection letter from National Medical Adminstrators , Inc. 
XXXX XXXX XXXX XXXX, GA XXXX toll free XXXX XXXX fax XXXX XXXX XXXX creditor account # XXXX Creditor : XXXX XXXX XXXX balance {$110.00} I called them and spoke to a rude man who obviously called my credit card company and told me that I never heard of XXXX  and told the bank the charge was a fraud. 
He also said I didn't return the product in 30 days. I replied that I had used it up before 30 days and didn't order ( or receive ) any other product. He called me a liar and said there was no way I could use that bottle of XXXX  oil in 30 days. 
I told him I did not order anything and I just tried the sample for {$6.00}. 
He said it was my problem because I didn't read the small print ( yes I did ). 
I said I wasn't paying the money because I didn't order or receive anything except the trial amount. He was extremely rude.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: TX

Complaint narrative:
XX/XX/2021 contacted XXXX XXXX payment processing Issues payment via bill pay Company never applied payment or followed up with my serval request for assistance Company sold mortgage and all parties failed to notify applicant ( XXXX ) ( g ) ( I ) ( D ) to date XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I received a letter from Capital One Bank stating that I owed {$460.00} and that an account was opened on XX/XX/2019. I called to verify and I was told that I did not have a card associated with my name. However, I received a letter from XXXX XXXX XXXX stating that the account was sold and it was attempt to collect a debt. During the time this account was opened, I was living in the state of Georgia and was not at the address mentioned on the Capital One Bank Account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Hello, i am not employed with XXXX XXXX XXXX. I do not even live in Michigan. I would like that to be removed.

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 2021-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Hello, i am not employed with XXXX XXXX XXXX. I do not even live in Michigan. I would like that to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Security National Financial Corp
State: UT

Complaint narrative:
I have an impound account with my mortgage, Security National Mortgage Loan Servicing department. The loan servicer is not part of Security National. 
All money for my homeowner 's insurance had already been collected and was due by XX/XX/XXXX. 
On XX/XX/XXXX, I received a letter from the mortgage servicer, which read, " Our records show your hazard insurance is expiring, and we do not have evidence that you obtained new coverage ''. ( it had ALREADY expired by then because they didn't pay it and there was no " new '' coverage -- it was the same coverage ). 
On XX/XX/XXXX, I decided to switch to a new homeowners insurance company ( since the servicer for Security National Morgage had not paid the bill ). The policy went into effect that day. 
On XX/XX/XXXX, I received a letter from the servicer which indicated : " On XX/XX/XXXX, we called XXXX XXXX XXXX  XXXX XXXX XXXX in an attempt to obtain your homeowner 's insurance renewal policy information. We were unable to speak with a representative or leave a voicemail ''. So, they called a NATIONAL company days before the policy is due to pay, and no one answered the phone? Why did no one call me? 
I'm still receiving letters because " I did not have insurance from XX/XX/XXXX to XX/XX/XXXX, '' and they will be charging me " an estimated {$94.00} ''. Why did the loan servicer not pay the homeowners insurance we had already set up with the money they had ALREADY collected? At that point in time, it was the exact same policy as years before. Nothing had changed. If there was something they needed, why did no one reach out to me? Their decisions not to pay my homeowners insurance could have cost me extreme financial hardship had an insurance event happen during this time. They are trying to charge me for the day of XX/XX/XXXX, even though their correspondence shows that the new policy took place on XX/XX/XXXX. This is an apparent attempt to extort money, even though the loan servicer was already in control of my insurance premium and my insurer should have paid. The servicing company is still threatening to charge me. I have recently requested that they cancel my impound account for my insurance, as I feel they are incapable of doing their job and swindling unsuspecting customers. There was NO reason they could not have paid my prior insurer XXXX which was the insurer they already had on file ( same as the prior year ). If they desired some documentation they had no received, there is no reason they could not reach out to me directly and request it BEFORE the expiration.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I booked a hotel room on XX/XX/XXXX of 2021 for XXXXe night with XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX and XXXX  via XXXX. The reservation was for {$660.00}. I cancelled within the time period of free cancellation and received an email that my cancellation was processed and that i would be receiving a refund within 14 business days. I never received my refund, i attempted to call XXXXXXXX XXXX and XXXX on multiple occasions before submitting a dispute with American Express, XXXXXXXX XXXX  said XXXX never cancelled my reservation, even though they sent me an email that they did and I never received a call back from XXXX. I opened a dispute with American Express and submitted proof of cancellation and received provisional credit because they are still waiting for a response from the merchant. I am concerned because XXXX 's will say that it was never cancelled but i have email confirmation and submitted that to American Express! The free cancellation should be enough to close the investigation. I revoked authorization, I need my money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have a few credit cards with Bank of America. Every month the Closing date changes and I'm having difficulty trying to make sure that I pay my cards on time. I have a few other cards and I schedule them to be paid on a specific date each month. BOA is the only company that changes the Closing date each month and I never know when my credit cards are due. 

As an example : the closing date for XXXX was XX/XX/21 ... but the Closing date for XXXX is XX/XX/21 ... that's only a 25 day period. It seems like interest charges are calculated on the 25 day period instead of a 30 day period ... Is that even legal? ... seems to me to be usurious ... 

Why does BOA change the closing date every month when no other banks do so? 

From speaking with a representative I was told that a lot of customers have the same issue. It seems like this is a ploy by BOA to confuse their customers so they can collect Late Fees. I know that might sound outrageous/crazy but if the closing date floats then how are customers supposed to know when their payments are due? ... Further, why is the closing date less than 30 days? ... I don't even get 30 days to make a payment ... 

Something is very wrong with how BOA is operating. I don't know if what BOA is doing is legal .. Maybe I'm wrong about this but it seems like BOA is defrauding their customers. It's customary in banking to allow for 30 days to make payments ... I'm sure BOA makes a lot of money on those extra 5 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