vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Last year I purchased a XXXX holder from a company in XXXX who bills through XXXX. 

They shipped XXXX that didn't fit my phone. They have a no questions return policy on their web site. I tried contacting them XXXX times and they did not respond. 
I filed a dispute with the credit card company Citi and they reversed it out. {$29.00}. 

About a month later the merchant replied to the credit card company that they would ship sometime in the future. 

The Credit card company said that unless I replied by snail mail and attested that I had not received the merchandise ( note the merchant already acknowledged that ) that they would close the dispute. 

They closed the dispute and 30 days later I still have not gotten the merchandise. 

It seems to me that for something this simple XXXX XXXX has worked very hard to make disputing a charge VERY time consuming and difficult. 

I tried to use their web site but was blocked at every turn. Their " live chat '' is a bot. When I described my problem it gave me a link to my statement page.

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 2021-04-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I spoke with a XXXX service rep, XXXX XXXX, regarding a furniture transaction. I had told her that I had been approved for {$1000.00} credit limit on a XXXX XXXX credit card and requested a credit increase to make the purchase ( Item was priced at {$1900.00} at the time ). She then placed me on hold to verify and told me I had been approved for financing for XXXX months/no interest and that it could all be charged to the card. 

Fast forward to XXXX weeks, I noticed that my credit score had gone down approximately XXXX points due to an overcharge on the card. The credit increase was never applied to the card. 

I am extremely disappointed as this has caused major damage to my credit as well as financial loss due to the fact that I had to make a substantial payment to avoid further damage to my credit. I would have not proceeded with the purchase had I known that the credit increase request had not been put in. Essentially, I was lied to by the service rep in regard to the purchase. 

I tried to solve the issue with Macys but they keep telling me that I am the one that needs to reach out to the credit bureaus to solve the issue.

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 2021-04-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: IL

Complaint narrative:
In XX/XX/XXXX, we were first notified in writing of a debt collection agency was pursuing a debt owed on a credit card account of {$1700.00}. The notification from the debt collector, XXXX XXXX XXXX ) was the first instance of ever being notified that an account existed and that there was money owed on the account. Based on the info I received in this notification, I contacted XXXX who line of credit was opened through and was hung up upon. I then checked the XXXX credit reporting agencies and confirmed that no line of credit was ever open with XXXX. The only record of this line of credit is when XXXX XXXX XXXX, began to work in pursuit of collecting the debt and reported the collection to the various bureaus on XX/XX/XXXX. There is no record of ever opening this line of credit with XXXX XXXX incurring the debt from XXXX XXXX, or being notified of the debt from XXXX XXXX  before the account being sent to XXXX. I have continued to respond in writing to XXXX and their legal team XXXX XXXX XXXX XXXX XXXX XXXX  and repeatedly have asked them for the signed authorization when the line of credit was opened and the purchase that created this debt. I have only received an Account Statement from XXXX XXXX from XX/XX/XXXX that shows the amount owed {$1700.00} it is not the statement showing the original purchase, and nothing has ever been provided showing the line of credit authorized to be open. I will add that the address on this statement is a home address that I have not lived in for over XXXX  years which is very alarming and concerns me that this could be fraudulent as well. There is potential that this line of credit was opened fraudulently, but I'm unable to file a police report as I have nothing to show that this line of credit even exists. The last written correspondence from XXXX XXXX XX/XX/XXXX XXXX states that they have received and reviewed the dispute but they still feel the debt is owed. I do not owe this debt. My credit report can serve as evidence that the account was never opened, and XXXX XXXX have yet to provide any of the requested documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Unifin Inc.
State: TX

Complaint narrative:
I received a call from a debt collector, UNIFIN, regarding a debt from the year XXXX. This account was paid off in XXXX via a third party. Unfortunately, I don't have this record from 15 years ago. I contacted the original creditor, XXXX/XXXX  and they have no record of this account. 

In XXXX, I was being harassed by XXXX XXXX XXXX and mistakenly made a payment of {$20.00} out of distress. This account is over XXXX years old and was settled over 15 years ago. 

Amount : {$1500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: GA

Complaint narrative:
In XX/XX/XXXX Ability Recovery Services LLC placed debt on my credit report. I immediately contacted them to inquire what this debt was and why was it put on my report. When I spoke with them they stated it was an unpaid medical collection in the amount of {$1200.00} from XXXX. I told them I am not aware of any medical visit around that time and believe it was an error. They stated there was nothing I could do but pay for it! So in XX/XX/XXXX, I requested a debt verification letter giving me the details of this matter and to show proper proof that I agreed to pay them. Instead what I got was an alleged copy of a bill on another companies letterhead with private medical info on it. Not only did this letter NOT meet proper debt verification standards, but it also was NOT accompanied by a HIPPA release form. This is a violation in which I intend to file a lawsuit. I have since sent the same debt verification letter to the credit bureaus. As of today, Transunion is the only one that has removed this debt because it was unverified. I'm confused doesn't all 3 credit bureaus receive the same information?? So I am forced to file a complaint. This debt has NOT been properly verified and needs to be deleted from my credit report! Once this is done I am also requesting a deletion letter be sent stating that Ability Recovery Services LLC is no longer trying to collect on an invalid debt.

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 2021-04-20 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: TX

Complaint narrative:
XXXX XXXX has been on my credit report for over 7 years. This should have been removed. I have disputed it several times an no results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
I called LoanCare on XX/XX/XXXX and was told a would get a reduced payment loan modification offer in 30 days. Its XX/XX/XXXX and it was not received. I called several times and after talking with service representative I a transferred and wait listening to music for an hour or 2 and then disconnected. Yesterday I got direct number - but it rings several times and disconnects

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 2021-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX had already reported their debt as a Charge-off and then updated it again with the same status and increased the amount after it was already charged off.. So that they can change the timing on when the debt would fall off my credit. This is erroneously reporting. Has been well over 7 years and should be removed You can see via the attachments that it was already reporting as charged off and then XXXX updated to reflect the same and increased the balance on a charged off loan.

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 2021-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX had already reported their debt as a Charge-off and then updated it again with the same status and increased the amount after it was already charged off.. So that they can change the timing on when the debt would fall off my credit. This is erroneously reporting. Has been well over 7 years and should be removed You can see via the attachments that it was already reporting as charged off and then XXXX updated to reflect the same and increased the balance on a charged off loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX had already reported their debt as a Charge-off and then updated it again with the same status and increased the amount after it was already charged off.. So that they can change the timing on when the debt would fall off my credit. This is erroneously reporting. Has been well over 7 years and should be removed You can see via the attachments that it was already reporting as charged off and then XXXX updated to reflect the same and increased the balance on a charged off loan.

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 2021-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: MO

Complaint narrative:
My name is XXXX XXXX. XX/XX/XXXX I made a deposit {$500.00} personal check thru atm machine at US Bank in XXXX XXXX Mo. Deposit made. The machine asked if I wanted a receipt. I said yes. Then the machine went offline and the machine kept my card and the check. My wife went on your app and locked the card and called the bank and spoke to XXXX on XX/XX/XXXX and was told to come by the bank that afternoon to pick up the card. XXXX was going to cancel the atm transaction and redeposit the check. I was unable to get to the bank that day so I went thru the drive thru on XX/XX/XXXX. I was told XXXX called in sick with my card locked in her desk. I asked the bank to call me the next day to make sure I could get my card. No one called so again I went thru the drive thru. Was told XXXX called in sick again. I asked for a temporary card. On the XXXX the funds were available. I went out of town on the XXXX and when I checked my account that evening, my account showed a {$500.00} withdrawal. I did not withdrawal {$500.00}. Monday the XXXX, my wife called the bank to speak to XXXX and was told she was on vacation. XXXX said someone withdrew the funds. XXXX told my wife that XXXX made a claim for lost deposit. I came home from work with a letter in the mail from US Bank so I called the 24 hour service. I explained my situation. The woman put me on hold to call the branch. The woman came back on the phone and said she tried to call the bank numerous times but someone kept hanging up on her. She said I will try calling again. She came back on the phone and said they don't know what happened and XXXX left at noon. She said call XXXX tomorrow and if no resolution, call us back. So today, XX/XX/XXXX, I called and XXXX said someone withdrew the {$500.00} from and atm machine. I told her that my card allows a {$300.00} limit at the atm. I asked if they take a picture of the person using the atm. She said yes. I asked to see that. Was told no. I asked why haven't you looked. My card is still locked up and the card is locked. No one is looking at the atm pictures. I still have no funds. This is very frustrating. What is my recourse?

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 2021-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My previous credit report was showing 60 day lates for my student loans XX/XX/XXXX & XX/XX/XXXX that was being serviced by XXXX XXXX XXXX XXXX XXXX. 

I reported this to the Consumer Financial Protection Bureau and uploaded my credit file reflecting XXXX XXXX XXXX student loans being reported 60 days late during the Covid pandemic. 

I later received a call from a XXXX advocate, who had been assigned to my student loan file. The XXXX Advocate explained that XXXX XXXX did not report me late, but Experian continued to report me late due to me calling Experian to dispute the inaccurate student loans. 

Experian Corp has prevented me from receiving financial funding for my business that I needed for my staff payroll, also almost cost me my residence, as I was in the mist of closing on my home. In addition I was unable to finance MUCH needed medical equipment for my XXXX child. 

Experian Corporation MUST be held accountable for the hardship they have inflicted on my family, business, as well as staff. Experian corporation did not have the right to report my student loans late after XXXX XXXX, and President Biden clearly stated no XXXX XXXX XXXX loans have to be paid until XX/XX/XXXX. 

Experian went against an official presidential order and affected my life tremendously. I have lost many things that I can not recoup do to Experian neglect. They have updated the bureau and try to return back to life as though it has not cause detrimental effects in my business as well as personal affairs. 

I am certain that Experian is doing this to a multitude of US Consumers. Experian need to be investigated for official financial oppression, fraud, as well as deceptive practices. 

If any federal agent need any information from me please feel free to contact me and I will provide all documents and proof. 

~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 2021-04-20 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: GA

Complaint narrative:
bureau refuses to do an investigation on my fraud claim, say my police report is not valid, When I filed a police report with my sheriff, my claim and police report is real, you can call XXXX county police department to verify.

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 2021-04-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I received a call from a debt collector, XXXX, regarding a debt from the year XXXX. This account was paid off in XXXX via a third party. Unfortunately, I don't have this record from XXXX years ago. I contacted the original creditor, Citibank/Citicard and they have no record of this account. 

In XXXX, I was being harassed by XXXX XXXX XXXX and mistakenly made a payment of {$20.00} out of distress. This account is over 20 years old and was settled over 15 years ago. 

Amount : {$1500.00}

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 2021-04-20 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have disputed 4 accounts held in Experian database since XX/XX/XXXX and Experian has Conspired with the company to further damage me. XXXX. ) Experian told me that the company can have duplicate accounts and report late payments on a Charged off account/ sold account from XXXX with no payment agreement. 
XXXX. ) Experian has said that the addresses do not have to match my address or previous addresses because it is assigned to the government at XXXX XXXX XXXX XXXX XXXX, Washington XXXX. 
XXXX. ) Experian submitted my information to the collector and allowed it to update the aforementioned address to me physical address. 
XXXX. ) Experian told me I have no rights to the information the collector that they call creditor submitted and if I wanted that information I will have to contact it directly. 
XXXX. ) Experian blocked my membership from disputing online and did not submit the 4 credit reports I uploaded on their platform to show inaccurate reporting across the 4 credit bureaus. 
XXXX. ) Experian has used entrapment and conspired to damage me and my character with the collector. 
XXXX. ) Experian said they dont have the power to delete accounts for reporting inaccurate information it is up to the collector. 
XXXX. ) Experian has shared my information with the collector without my consent for profit and gain and updated fraudulent information to my accurate information for profit. 
XXXX. ) Experian would not let me challenge this information and Experian has refused to mail me out dispute results and information presented from the collector. 
XXXX. ) Experian has assisted the collector in the cover up of Securities fraud as I have the Cusip for the account and deposit location of my Signature / Autograph.

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 2021-04-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: GATEWAY FIRST BANK
State: TX

Complaint narrative:
Gateway mortgage has and continues to maintain to recklessly disregarded HUD guidelines as well as violate federal law under XXXX to avoid providing the best relief available for this borrower under HUD guidelines. In spite of the fact that this loan is insured by FHA Gateway has insisted that the borrower can not add his wife to the application unless he provides proof that they are legally married which is in direct violation of ECOA. Gateway also refused to reconsider the wife 's income after Gateway acknowledged it would use it once we provided proof of her continued employment which we did. Gateway refused to provide the reason for denial until after we contacted HUD that compelled them to release it. Gateway offered the borrower, under duress, a covid partial claim if he provided a letter saying that his income was effected by the pandemic. The letter he provided said his wife 's income was effected not his. The offer did not reduce his payments in fact they went up. The borrower 's interest rate remains above 6 % and he has an escrow shortage in excess of {$10000.00} that has not been cured. We have spoken with XXXX XXXX, loss mitigation mgr, who appears to be the most inept, uninformed, untrained manager we have ever encountered and definitely needs to go back to some remedial training because the terms he was using XXXX HUD assumption ) have been outdated for decades. This is the 3rd complaint we have submitted through CFPB. There is currently an open HUD file as well. I sincerely hope the new administration will take more of an enforcement approach to resolve the inequities for this borrower.

Company response to consumer: Closed with explanation