vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-14 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: CITIBANK, N.A.
State: FL

Complaint narrative:
This is regarding a Citibank Credit card.I made about {$1000.00} worth of purchases on XXXX back towards the beginning and middle of XXXX. When I got my next statement I noticed a charged me a lot for late fees and interest because for some reason they had taken me off paper statements. I called them to dispute that but at that time I guess due to Covid I was having to wait 3 hours and never get through to anyone. Their website was down so I couldn't contact them that way. It took me weeks to get through and finally I hit the fraud department number because I was just hitting any extension I could to try to get a live person. Everybody I would speak to didn't speak English very well..so they misunderstood me and put my entire account into fraud and issued me a new card. Subsequently XXXX contacted me and said that the charges were being denied so at that point I contacted Citi back and told them those charges were valid that I was just trying to dispute the late fee and interest charges. XXXX however refused to accept any payment from that card anymore and I had to pay all the XXXX charges using a different credit card. Since then Citibank refused to take those charges off of my card I have called them hundreds and hundreds of times I've spoken to supervisors in just about every single Department. I get a different answer every single time and nothing has been resolved I spent countless hours and months on the phone dealing with this. The last supervisor that I spoke with in Citi Billing Disputes said the only option was to have me file a claim with the  FTC and that she would issue me a partial statement credit! I contacted as many other Citi Departments as I could and sent them a certified letter. On XX/XX/XXXX XXXX XXXX, a supervisor from Citi security operations, left me a voice mail saying all charges would be removed. They still haven't been and instead they triple added back {$600.00} of the original charges and additional late fees. This is beyond ridiculous!!! I'm trying to find someone that can actually help me for once.

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 2020-07-14 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 am filing this report because today XX/XX/20 I was made aware of an account that is not mine appearing on my credit report. The only reason this account was brought to my attention is because I had my credit ran at a Jewelry store and they told me I had an account in negative standing and after looking at the account myself I quickly realized I never opened this account. The name of the account is XXXX XXXX XXXX XXXX for an amount of {$14000.00}. I did not benefit anything from that account such as money, goods, services nor did I take part in any payments that might or might not have been made towards this accounts. I also do not have any written or verbal contract with that company and I never allowed them to access my credit. I took it upon myself to file a police report in hopes of having this accounts cleared from my name and credit history since I never authorized it to be opened on my 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 2020-07-14 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am filing this report because today XX/XX/20 I was made aware of an account that is not mine appearing on my credit report. The only reason this account was brought to my attention is because I had my credit ran at a Jewelry store and they told me I had an account in negative standing and after looking at the account myself I quickly realized I never opened this account. The name of the account is XXXX XXXX XXXX XXXX for an amount of {$14000.00}. I did not benefit anything from that account such as money, goods, services nor did I take part in any payments that might or might not have been made towards this accounts. I also do not have any written or verbal contract with that company and I never allowed them to access my credit. I took it upon myself to file a police report in hopes of having this accounts cleared from my name and credit history since I never authorized it to be opened on my 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 2020-07-14 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: TX

Complaint narrative:
My bank the a predatory practice of ending online account access for consumers if their checking account goes negative, without electronically notifying them with the details. People who have chosen to receive paperless billing are unable to view the 21 day bill notifications required by the Truth in Lending act. This caused me lose access to my accounts During the covid 19 pandemic when the bank was making changes to the bill due date of my line of credit without my approval. This also resulted in me not being able to pay my bill after being notified by phone. 

My bill was due XX/XX/XXXX. I received the first notification of the overdue by phone XX/XX/XXXX. I tried to pay the bill through online access on XX/XX/XXXX ( A Saturday ) but the account was locked out and bank closed until Monday. I paid the bill Monday ( next business day ) at XXXX XXXX through the drive through.

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 2020-07-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I initiated a cash out refinance loan with my existing mortgage company on XX/XX/2020. I have had 38 contacts with them, have submitted 30 items for there review, signed papers, payed for an appraisal, paid my credit card bill which they told me not to pay. They have adjusted the fees ( up ) and amount of cash to be received ( down ) twice, and I am still waiting for an answer as of XX/XX/2020. Throughout the process the basic mode of operation has been for them to request something of me, I respond within a day or 2, then I don't hear anything for a week or 2, and when I do, it is another request for additional documents. I feel that I have been strung along unfairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
Applied for a mortgage and found out I have a unauthorized extended fraud alert on my Experian credit file I received no notification of this. I also did not authorize this and I am unable to get thru to a live representative automated system wants me to send several documents thru mail

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 2020-07-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I received denial for student loan because of information Tranunion reported. The student loan servicer stated that Transunion reported that I have student loan delinquency of over 90 days. There are no student loans delinquent at all. Why did Transunion report that is was?

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 2020-07-14 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: TN

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX , XXXX   XXXX XXXX, XXXX/XXXX  Company Inquiries : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 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:
transunion fail to investigate my disputes

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 2020-07-15 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:
Company XXXX XXXX XXXX , XXXX is reporting I was late XX/XX/XXXX thru XX/XX/XXXX, I was never late. This account should have closed in XXXX. XXXX XXXX have kept this account open for 5 years to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
Can not login to my account to make payments for two months. I asked them to merely waive payment my payment responsibilities until they get this fixed. They refused and forced me to make a phone payment otherwise I would get a late fee they said. No need to pay late fees for a problem that is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Bureau Collection Services, Inc.
State: CA

Complaint narrative:
I am a member of XXXX and XXXX XXXX XXXX XXXX XXXX was advised of this and not to bill me. I provided them both my XXXX and XXXX information on 3 occasions. They have now sent me to a collection agency, CBCS, XXXX XXXX XXXX  XXXX, XXXX, OH XXXX, XXXX, Account # XXXX for {$1100.00}. I spoke to XXXX on XX/XX/2020 at CBCS and advised her I was XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: E*TRADE BANK
State: CA

Complaint narrative:
I have been unable to withdraw cash at ATMs with my debit card or get cash back at the Point-of Sale ( Tried to withdraw cash on Friday XX/XX/XXXX ). I tried to call the bank on XX/XX/XXXX but the wait time was more than one hour, I gave up. Tried to call them today XX/XX/XXXX, have been on hold for over an hour, still no response. Tried their chat today, wait time indicator says 140 minutes. I also sent a message on XX/XX/XXXX via the secured message center on the Etrade mobile App. As of of XX/XX/XXXX, I still haven't heard back from Etrade via the secured message center. Etrade seems completely unresponsive to customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Revenue Corporation
State: TX

Complaint narrative:
I noticed a new account added to my credit report that I have no knowledge about. I have never received any correspondence to dispute the debt and I do not owe the debt. I have not signed any contract pretaining to this debt with the company.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.Q. DATA INTERNATIONAL, INC.
State: LA

Complaint narrative:
IQ Data International, representing XXXX XXXX XXXX, is reporting that I owe their client {$3300.00}. This is false. 

I called them and they told me to dispute this with the three credit bureaus and have them deal with it. It refused to acknowledge any responsibility even after I submitted the last four of my ss number ( XXXX ). 

I respectively submit this complaint and ask that the reported account be removed AND that IQ Data is  reported as being uncooperative.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Emerald AR Systems, LLC
State: CA

Complaint narrative:
I am a member of XXXX and not supposed to be billed for medical bills covered by XXXX or  deductibles. XXXX XXXX billed me for {$43.00} and I explained this to them. I gave them both my XXXX  and XXXX   information. They sent me to collections with Emerald AR Systems. I contacted XXXX at Emerald AR Systems on XX/XX/2020 and explained I was XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 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: TX

Complaint narrative:
I FILE A FTC REPORT AND REQUESTED THAT THEY BLOCK THESE ITEM AND DELETE THEM THEY TOOK OVER 45 DAYS WHICH IT SHOULD BE 4 BUSSINESS DAY ONCE THEY RECIEVE THE ITEM AND THEN MAKE THERE DECISION I ALSO SENT LETTER TO THE CREDITORS AND THEY ALSO SENT ME NOTHING BACK

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: WA

Complaint narrative:
I was laid off for 2.5 months due to covid. My husband 's hours were reduced. When I first got laid off I heard there may be help from mortgage companies. I called my mortgage company ( Carrington ) & they seemed very sympathetic, helpful, & told me I could go into forbearance for 3 months. I was told during forbearance I could make payments or partial payments if I wanted/could. I also received a letter letting me know I would be in forbearance. The letter told me my payments were not being forgiven, which I didn't believe they were. I simply thought they were being added to the end of the loan or postponed for this time during the pandemic. I called yesterday to make a payment as it has been 3 months & I am back to work. I was told that loan forbearance had been automatically extended until XX/XX/2020. When I said we didn't need forbearance any longer as we were both back to work, I was told if I removed forebearance, all the missed payments would be due today & if I could not pay it all, then it would be reported to credit agencies & my loan would be considered delinquent. I was shocked. I asked how in the world forbearance was ever considered a helpful thing to do, if it meant a giant payment would be due in the end. There is no point to it. I was told, I was informed of everything in the letter I received. When I hung up the phone I looked at the forbearance letter & NO WHERE does it say at the end of forebearance all postponed payments are due. If I had understood this was what they were planning to do I would NEVER have agreed to a forbearance. I called again to let Carrington know that my letter does not say all payments are due in full at the end of forbearance. I again asked how forbearance was helpful. The 2nd person I talked to stated that " everyone '' thought payments were going to be added to the end of the loan. That I was not the only one. He told me to try to catch up between now & XXXX, but if I couldn't there would probably be some options available in XXXX to help people who are behind. I feel that Carrington misled me about the details of forebearance thus putting me in a situation where I am " behind '' on mortgage payments. I want to report them for false information & if they received any government bailout money to help people during this crisis, they are absolutely helping NO ONE! I already had a dislike for this company. My loan was with XXXX XXXX, but was sold to Carrington just a few months before the Covid crisis. Carrington 's website is difficult to navigate & they charge you fees to make online payments or phone payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
This is an old case but after hearing about all of the fraud Wells Fargo committed, I am now convinced that I too was a victim of fraud. I had gotten a loan modification several years ago from Wells Fargo. Later, got laid off. When I called to inform them, they encouraged me to enter a deferred loan program. Told me not to send any payments until I received paperwork. This was XXXX. Received paperwork in XXXX then was informed that the program I entered required all deferred payment amounts to be paid immediately after program. When I said I could not, was told not to worry, wed do a loan modification. I am now 3 payments behind when I had made 3 years payments on time prior so I proceed. After program ended, they demanded deferred amount and would not accept any payments. I filed for loan modification but was denied. Was told that my income was not sufficient though I was earning over $ 35k more than I was previously when they granted me a loan modification. I appealed several times and each time was denied. This ultimately led to my home being foreclosed on. I fought like XXXX but who can win against the banking industry. I was the victim of Wells Fargos unethical business practices.

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 2020-07-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I have an American Express Plum Business card for my business, which was pitched to me by my account manager as a great way to improve cash flow because so long as I make the minimum payment, I can defer the remaining balance to the next payment, which essentially is like offering 60-day terms. 

As this is a charge card and not a credit card, there is no pre-set spending limit. When I first opened the card in fall of XXXX, I had spent upwards of XXXX a month on it, and have always paid off the balance within the 60 days ( and have never had a late or delinquent payment ). 

I recently reached out to Amex because a charge was denied, which worried me because I had {$18000.00} in upcoming invoices from suppliers to fund production for a {$100000.00} purchase order ( that would be paid to me ), so it was imperative that I be able to take advantage of the terms. 

I made my monthly payment, however, I was told by Amex that no future charges would go through. In the past, the company had authorized increase spend amounts if I called in and told them the upcoming amounts. This time, they told me they could not do that because my balance was high ( albeit all of my payments had been made and I paid the minimum amount due ). I was told the only way they would authorize future charges is if I made a pre-payment of {$18000.00} on the card. This completely contradicts the real value prop of the card, as it does nothing to help my cash flow, and has put me in a real bind. 

I hold Amex to a higher standard because they created a holiday to support small businesses ( great marketing ). When push comes to shove, they will not actually offer the support small businesses need. When I told XXXX XXXX from Customer Support that there is no benefit to paying off a card early just to pay my vendors ( because why do that if I can just send my vendors cash? ), he replied " Well, at least you get points. '' I do not get points. 

Amex routinely sells one thing, but then services it a different way. Not only that, I had previously filed complaints with Amex about this issue in XX/XX/XXXX and XX/XX/XXXX, and nobody from the company had followed up. The Customer Service Rep could also not find any notes about follow up action taken in my file.

Company response to consumer: Closed with explanation