vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-17 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: NM

Complaint narrative:
Equifax is ignoring my requests to investigate, verify and remove accounts from my credit report that were opened fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-17 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: MD

Complaint narrative:
My current address is listed as my previous address and my last previous address is listed as my current address, despite updating my address with all credit card companies, utilities, and lenders to the best of my knowledge. Upon trying to file a dispute twice on XX/XX/XXXX, I received the error " We're experiencing technical difficulties and can not access your report at this time. ''

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 2019-02-17 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
On discovery of a collection on my credit file, I wrote to Portfolio Recovery Associates to inquire about the validity of the debt. 

After several cycles of correspondence, I learned from research that an alternative way to having the inaccurate item removed from my credit file is to offer to settle the debt by paying a portion of the total they claim that I owe. Attached is a copy of the settlement proposal sent by certified mail on XX/XX//18. I  received an irrelevant response ( also attached ). 

According to the FDCPA, I am entitled to have my correspondence and attempts to address any debt issues reviewed and then receive a response. The response provided by Portfolio Recovery Associates is inappropriate, as it does not acknowledge my settlement proposal and attempts to collect money that I do not owe to them. I question that my letter was even reviewed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have sent multiple disputes regarding credit inquiries that are showing on my report. I have not received any response and no actions have been taken to correct these errors.

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 2019-02-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.Q. DATA INTERNATIONAL, INC.
State: CA

Complaint narrative:
I lived at XXXX XXXX and they used the company I.Q. Data International Inc.  I have already paid the debt but they charged me interest which is illegal considering it wasnt past due or a bill that can be charged interest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-17 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX my wallet and phone were stolen. 
On XX/XX/XXXX, I reported the theft and the fraudulent charges to the Citibank the same day, immediately after I was notified of the charges. 
On XX/XX/XXXX I filed a police report with a police officer from the State of California Department of XXXX XXXX  XXXX, the department that has legal jurisdiction of the area where the theft occurred. 
I was credited the fraudulent charges by Citibank. However, on XX/XX/XXXX the credits were reversed. I was not notified in writing of the reversal and was not provided an explanation of why the credits were reversed. 
Citibank asked for a copy of my current driver 's license. I provided a copy several times in different formats ( pdf, png, jpg, and jpeg ). Security Operations at Citibank requested only this information and I provided it immediately using the secure link provided by Citibank. This was in early XX/XX/XXXX, XX/XX/XXXX. 
I have collected more evidence to submit my position on why I am not liable and did not authorize the fraudulent charges. I have made repeated attempts to speak to someone in Security Operations investigating the case, and made repeated attempts to speak to a supervisor. Citibank refuse to provide anything in writing, refuses to return my emails or voice messages and refuses to call me back.

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 2019-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have sent multiple disputes regarding credit inquiries that are showing on my report. I have not received any response and no actions have been taken to correct these errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have sent multiple disputes regarding credit inquiries that are showing on my report. I have not received any response and no actions have been taken to correct these errors.

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 2019-02-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: World Omni Financial Corp.
State: FL

Complaint narrative:
I checked my account balance on XX/XX/19 and my total payoff amount was {$6500.00}. Then I checked it again today and the balance went up to {$6500.00}. This is infuriating. I feel this is criminal activity and I demand to know what is going on. By the way I also just made my payment today as well XX/XX/19. I emailed XXXX XXXX XXXX to find out what is going on and have not heard back. These people are crooks and they will do anything and everything to get your money. They have no problem partaking in illegal activity it seems. BUYER BEWARE ... ..DO NOT FINANCE THROUGH XXXX XXXX XXXX ... ..AKA ( WORLD OMNI FINANCIAL ). if there are any current class action lawsuits against Toyota for this type of thing I will certainly be taking part.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
On XX/XX//19, I posted on XXXX looking to buy tickets for a concert in XXXX, TX. I received a direct message from XXXX user @ XXXX saying he had tickets and to name a price. I offered him {$40.00} USD and he accepted. I initially asked if he had XXXX but he said no, and told me to send the payment through PayPal instead. I sent {$40.00} USD to XXXX and since the payment was not instant, he asked me to send the payment again. I asked for a refund of my original transaction and a screenshot for proof. He provided the screenshot of the processing refund and said it would be available in 1-3 business days. 

When I tried to send {$40.00} USD a second time, the PayPal website started glitching so he told me to use the mobile app instead. I downloaded the app and when I went to start the second transaction, PayPal informed me that the recipient would be receiving the payment in XXXX XXXX dollar ( NZD ) which is suspicious considering the concert I plan to attend is in the United States. I told him I was no longer comfortable making the transaction to which he responded : " oh its because my paypals a business paypal lol i have a lot of currencies on it ''. I told him that this was sketchy and I was no longer interested, and he proceeded to block me on XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-17 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: GA

Complaint narrative:
The information contained within my file for XXXX XXXX is incorrect. The company states the account was open on XX/XX/2016 but also states that payment was made on XX/XX/2016. This information is innacurate and after multiple requests XXXX XXXX has not been able to provide any documentation showing the account was opened by the customer. They also have been unable to provide any documentation of payments made to the account on XX/XX/XXXX or any other date. XXXX is in violation of the FCRA. In accordance with the FCRA XXXX is required to provide any and all documentation requests. They have not provided any documentation for the account at all. The credit beareau is also in violation of the FCRA. The credit agency has failed to verify documentation of the debt to the borrower from XXXX XXXX. Pursuant to the FCRA the credit agency is required to formally verify that XXXX XXXX can provide accurate proof of the debt belongs to end userand all information contained in the file is accurate.

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 2019-02-17 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Confusing or missing disclosures — 
Company: Certegy Holdings, LLC
State: MO

Complaint narrative:
Twice I've tried to cash checks at XXXX. Reasons for denial is never explained. XXXX uses Certegy Check Services. After contacting Certegy, which is the number XXXX gave me. I received a letter stating declined and accepted checks cashed but no reason of why the declined. I have letter. No where on it does it state why they reported negative against me. In fact it says No information on file.

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 2019-02-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
My credit card had a fraud of over {$500.00} in XX/XX/2018 and I promptly closed my card and asked HSBC to not renew it. HSBC registered a fraud complaint on my behalf and started investigation. Later they found that the transactions were actually fraud and sent me a letter explaining about it. 

About 90 days after this incident, I received communication from HSBC that I had not paid back my credit card amount and should expect a dent in my credit score etc. When I contacted customer service, they explained the situation in detail. They explained that while the fraud charge was under investigation, the bank was expecting me to pay the amount back. Since, I did not make any payment, they levied late fee and interest on my account. Thereafter, once the fraud complaint was resolved, they removed the fraud amount from account but the late fee remained. Then, on the next cycle, they added more late fees as the account still had a balance and continued to do so for 2 more cycles. They informed me that this should not have happened in the first place and that they'd credit back the full amount to my account and it would not show a balance. They also apologized and sent a letter explaining the actions. 
However, in the very next cycle, I saw one more late fee charge and also saw their credit. I contacted the customer service again and the new representative said that I needed to make the payment and the credit was not enough to offset the balance alone. I went ahead and made a payment and they immediately credited me back the amount paid. Amidst all this, they maintained that the whole fiasco should not have happened and apologized for it. However, by this moment, they had already reported the effect of late fees to credit agencies dropping my credit score heavily. 

I am a diligent credit card user who has always paid it back in time, without a ding in my history. However, this incident is making me suffer a bad score through no fault of my own but the sheer negligence of HSBC who did not communicate anything clearly and left me frustrated with the whole system altogether.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
account : XXXX debit card number : XXXX XXXX XXXX XXXX Chase Bank has placed me, XXXX XXXX, in a humanitarian crisis. I notified Chase Bank that I would be out of the country XX/XX/XXXX thru XX/XX/XXXX When I attempted to reserve a hotel in the XXXX, the charge was declined and I was not able to locate a place to stay, as Chase Bank had restricted / declined all my purchases. 

I called Chase Bank 6 times to resolve this. There was no suspicious activity nor any reason to decline the hotel transaction. Chase Bank then blocked the card for ATM withdrawals. I was not able to purchase food. I had some nuts and I am stranded here in the XXXX. HELP. Urgent. This is an emergency. I am very far from any embassy or consulate. 

Chase Bank has stranded me. I have over {$2000.00} USD in my account, but for no reason, Chase Bank has Frozen my account. 

At first the outsourced representative in the " Fraud Department '' asked to text me, but I am OUT of the country, so of course I can not receive texts. I do not have that phone, that plan or a way to receive SMS in another country. 

After I told the outsourced representative, they refused to verify me with a ) account activity b ) my credit profile c ) having me login to my account.

I can of course log into my account. Chase has frozen all transfers, payments, withdrawals, debits, for NO REASON at all. I just tried to book a hotel, got declined by Chase and now they are punishing me and I have no access to funds and I am in a foreign country. 

HELP! Urgent! Emergency! Humanitarian Crisis.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I still have not heard anything back from your office, since contacting you XX/XX/2018 ' Hello, I filed a complaint with the FDIC, which in turn forwarded my issue to you ; XX/XX/2018 Ref. No. : XXXX. I transferred funds ( {$1700.00} ) for a vacation rental XX/XX/2018 from my Chase acct. to another Chase bank acct. On XX/XX/2018, I was informed it was a scam & contacted Chase fraud dept. by phone XXXX-18 ' as well as going to my bank, speaking with an officer & then back to speak with the manager. My funds would not clear to the following day XXXX-18 '. I informed them I was fraudulently duped & asked them to stop payment, none of the people at Chase heeded my warnings & allowed the money to be picked up by the recipient the following day, when the hold expired. The person who took my money does not reply to me now. Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: ME

Complaint narrative:
In XX/XX/2018 I contacted Navient to extend the income-based repayment option ( IBR ) on key federal XXXX loans, which at the time totalled roughly {$85000.00} with about 5 % interest. On the phone, the representative repeatedly dodged my request to do this, highlighting the options of the consolidation plan which had a $ XXXX  monthly payment opposed to {$150.00} for the IBR. The rep highlighted NONE of the effects of the plan other than the monthly payment, and due to distractions at the time and the reps persistence I agreed to the consolidation. When I realized they had added almost {$30000.00} in capitalization costs and fees and my balance was now nearly {$120000.00} at the same interest, I called ( XX/XX/2018 ) to see if they could work with me in some way to reverse/reduce the amount. They refused. I called again a few days later and requested the same, and also highlighted my concerns about pressured and potentially unscrupulous lending tactics, their response was to send me a copy of my promissory note! I called one more time ( Fall 2018 ) to ask again for help, reminding them I have XXXX kids and only make $ XXXX ( I've since become unemployed unfortunately ), and that the loan had placed devastatingly undue hardship upon my family. They never got back to me, and restated my balance of {$120000.00} and given interest rate. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-17 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: FL

Complaint narrative:
I am a XXXX  XXXX that has never been late. The government shutdown on XX/XX/XXXX and was closed for 35 days. I called my auto finance company XXXX XXXX XXXX and was granted a car payment extension from XX/XX/XXXX thru XX/XX/XXXX. I receive a letter from them saying approved and granted extension. On XX/XX/XXXX I received a alert from my credit report stating I was reported delinquent 30 60 90 days. This is a shame and a disgrace. I need this delinquent remark removed from my credit I am not late. My payment is due on XX/XX/XXXX. I want this cleared up ASAP.

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 2019-02-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
On XX/XX/19 XXXX XXXX at Ally Financial advised me to pay off {$10000.00} worth of debt. I advised him that if I did this then I would not have {$21000.00} in my bank account, XXXX then said we could lower the down payment to {$6500.00} and this would fix the issue. I advised XXXX this was all the money I had to work with, and he assured me this would fix this issue. So under the advice of XXXX, I paid off {$10000.00} worth of debts. There was no issue until XX/XX/19 when XXXX called and told me that underwriting needed more money in my banking accounts. When I advised him this was the exact thing we talked about, and theres no way Im going to cash in my stocks and lose money when this was never the agreement we made. I told XXXX we are going to leave this bank, and I wanted to speak with his manager, XXXX assured me his supervisor would contact me the next day, which did not happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-17 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Nelnet, Inc.
State: GA

Complaint narrative:
Payments to loan are not being properly applied to interest and principal. There will be months were {$0.00} are applied to principal and after an entire year of payments the over all principal only went down {$200.00}. When I contacted the lender about ways reduce the interest the only offered a 0.25 % reduction for auto debits which I signed up for. The next month, the payment remained unchanged as the variable interest on the loan increased again to around 8.5 % I make regular payments to this loan and I just want to find a way to get out from underneath it quicker.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
XX/XX/XXXX,,, Continuing Issues,, Yes I Did Received A Response For This Matter On Same Day,,, XX/XX/XXXX XXXX,,, But it Was From A Previous Complaint,, XX/XX/XXXX In Question,,, Well I Did Speak To,, Mrs XXXX XXXX ,, about The Issues But She Is Asking For More Input About These Problems, ( Quote ), If Wells Fargo Bank Is the One Who Messed up All The Paperwork up In Past,, How Can I Fix This? Now,, They Have Alot More Work To Do,, If They Was Making Things Right For,,, Victims,, And Loyal Customs,, Then They Would Have Solve These Messy Problems Already,,,!!!! And Me And Mrs XXXX Talked About ClassAction Settlement Payments,, She Really Didn't Talk About It Much,, But She Told Me To Call The Claim Line,, So Did First Time I Called I Got Fax Noise,,, 2 Time I Called The Was Busy, for a Least 5mins,, So Hang up And Called Again, Fax Noise, So I Didn't Call Anymore After That,, Now This Was Doing the Time They Was Taking Claims,, ( XXXX ) In XXXX For ( Unathorized Accounts ) XXXX,,? Settlement,, So With That Been Said,, Do I Think They Did Enough Work,, No,, Should They Reconsider This Issue,,, Yes

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