vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have tried cancelling a credit tracking subscription with Experian multiple times with no success.

I emailed them on XX/XX/2018 requesting they cancel my account. I emailed them after calling them multiple times on that date to cancel my account.

When I called to cancel I was led through automated prompts to cancel. When I finally reached the prompt to select Cancel, I was told by the automated response that I do not have an account with them, which I know I do and for which I am charged {$24.00} each month.

I have wanted to cancel this for months and have had no success in doing so, and I do not know what to do now.

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 2018-11-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: NY

Complaint narrative:
We have made numerous complaints against this company that claims we are in bankruptcy which we are not. All I want is a payment history for this year. I have only got things when I complain. They told us to see are lawer. We dont have one. No bankruptcy. This comyshould be closed down .we pay XXXX $ every month to them. This is our own information. 
Specialized Loan Servicing XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Co XXXX Loan XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX Thank you

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 2018-11-13 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: VA

Complaint narrative:
I purchased 2 floor sweepers from XXXX XXXX XXXX for a total of {$2000.00} on XX/XX/2018. My credit card was charged immediately but I never received the sweepers. They were alledgedly shipped by XXXX XXXX and signed with a unreadable signature that the driver wrote in as XXXX  ; we have nobody of that name working here. The XXXX company was of very little help and said it was not their problem. After contacting both merchant and XXXX XXXX to no avail I contacted mu Citi Visa to dispute the charges. They came back and denied my dispute because they said someone signed for it. This is just not right on my part as they should at least standby me in a case like. That is why I am filing this complaint now against Citi visa to credit my account for merchandise that I never received. I will follow with more additional info attached.

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 2018-11-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Delay in processing application
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
On XX/XX/18, I went to the XXXX  store to purchase a laptop. I asked the XXXX  employee if there were any 0 % interest payment options. The employee advised that I could apply for the Barclaycard Visa with XXXX   Rewards.

I applied for the Barclaycard and when I used the Barclay/XXXX  portal ( XXXX XXXX XXXX  ) to purchase a laptop on my new line of credit it said that there was an error with the page. ( This error continued for the next 3 days ).

Since I needed the laptop the employee said I could purchase on a different card and return it and purchase it back on the Barclaycard. I contacted customer service to re-confirm that this is true. However, I later read the return policy and discovered that there would be a 25 % restocking fee on the {$2400.00} laptop, which was never disclosed by any employees. Since there was an error with the Barclay/XXXX  website and I was unable to purchase a laptop on the Barclaycard I applied for I suspect that many consumers are running into this same problem. I am looking to have this credit application removed since I was unable to use the new line of credit as the XXXX  employee explained would be possible. I contacted Barclay customer service representative on XX/XX/18 and the woman explained that she was not a Credit Bureau agent and could only close the account and could not do anything further.

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 2018-11-13 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: TX

Complaint narrative:
Citicank is stating that I have an account ending in XXXX, but I have no records of this account and it is not showing up in my Citibank website. I have called Citibank multiple times to try to resolve this but they have not sent me any information on this account. I have requested them to sent me all documentation showing how & why they believe this is my account. I told them I don't have any problem paying, but there is no statements, billing, nothing on this account. This has been going on since XX/XX/2018 when I first called them about this. I have also, called XX/XX/2018, XX/XX/2018 & XX/XX/2018 about this account and requested statements, documents, etc on it but have not received anything on it. Citibank reps have called me only to request payment on this account, and I again requested the information but have not received it.

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 2018-11-13 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: OH

Complaint narrative:
I have a list of accounts and amounts that are not mine at all, I would like them removed from my credit report because it is stopping me from refinancing my home XXXX XXXX Account Info {$1300.00} XXXX   {$100.00} XXXX XXXX {$1600.00} XXXX  {$390.00} XXXX XXXX XXXX {$59.00} XXXX XXXX {$2000.00} XXXX XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX {$200.00} XXXX XXXX {$13000.00} XXXX XXXX XXXX {$7000.00} XXXX XXXX {$2200.00} XXXX XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX {$540.00} XXXX XXXX {$300.00} XXXX XXXX XXXX. {$250.00} XXXX XXXX XXXX {$29000.00} XXXX XXXX {$15000.00} XXXX XXXX XXXX {$4200.00} XXXX XXXX XXXX {$1000.00} NOW THESE ACCOUNT BELOW BELONG TO ME BUT THEY ARE REPORTING I HAVE MISSED A PAYMNT AND I HAVE NEVER MISSED A PAYMNT XXXX XXXX XXXX FOR THREE ACCOUNTS ALL SAYING I WAS LATE AND I WAS NEVER LATE

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 2018-11-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
This is regarding my Chase Sapphire Reserve Card that carries a {$520.00} annual fee. 

On XX/XX/XXXX I redeemed XXXX Ultimate Rewards Points for a hotel booking at a XXXX XXXX. I then checked into the hotel on XX/XX/XXXX and was charged the full amount of {$230.00}. 
I called Chase the very next week and they assured me that the credit would be coming to me in a week or so. They said the merchant needs to reverse the charge, which seemed odd to me that they wouldn't give me conditional credit right away after seeing the mistake.

I did not see any credit for another week or two so I called back again and they said " it can take awhile ''. Now I was really concerned because I didn't have much trust in the merchant reversing this charge and I was already at a point where i needed to pay for this as my statement was due -- it was not a charge I was accounting for.

I then called back at least three more times in the following three months and I eventually was transferred to the escalation team. They said they passed it along to the travel team but nothing had been done yet. On the last call, I was put on hold as they tried to contact the travel team but was on hold for about about 10 mins so I just hung up.

Clearly, there was no action taken to address my issue for several months, and I would have thought that they would have procedures in place to give customers conditional credit while they address the credit rewards issue like this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: ND

Complaint narrative:
On XX/XX/2018 a purchase was made XXXX for automotive fog lights for XXXX  XXXX XXXX XXXX and up vehicles through XXXX, the product is listed as being 100 percent compatible when the product was received they did not fit. I spoke with XXXX   they said I would have to pay return shipping and so I opened a dispute with XXXX XXXX on XX/XX/2018. They closed the dispute on XX/XX/2018 without contacting me, when contacting them they state a letter was sent over 9 business days ago which I have yet to receive. 

Part of their process was to open a XXXX dispute against the company ( # XXXX ) without letting me know or my permission. I was informed that I would have to pay the charge as a re-bill even though the product does not fit my vehicle, I reached out to the company one more time on XX/XX/2018 and sent them proof that the product does not fit, on XX/XX/2018 they responded and said they would refund the money and pay return shipping. When they tried to refund the money they were unable to do so that there was an open XXXX dispute. 

I spoke with capitol one on XX/XX/2018 at XXXX they stated they never opened the pay pal dispute and I would have to talk with XXXX. I contacted XXXX on XX/XX/2018 at XXXX and they advised me the dispute was opened by my financial institution ( Capitol One ) and it would have to be closed by them and they referred me back to Capitol One. 

I spoke with Capitol One again on XX/XX/2018 at XXXX and they transfered me to a supervisor and he told me the dispute was closed and they could not close the paypal dispute. 

I have no where else to turn to get this resolved, the company wants to refund me but can not because Capitol One will not close the XXXX dispute, and I can not cancel the XXXX dispute because I was not the party that initiated it Capitol One was. The pictures showing the issue can be viewed at XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Bliksum, LLC
State: CA

Complaint narrative:
On XX/XX/2018 I applied online for a loan from XXXX. I spoke with a XXXX XXXX. He went over the loan installment agreement with me over the phone. The loan was for a disbursement of {$7600.00}. 

After speaking with him he said the interest rate would be 35 %. First payment would be {$480.00}. Second would be {$560.00}. After making my first payment. A letter was mailed to me almost two weeks later with a date of XX/XX/2018 on the Disclosure Agreement. This was sent after the fact. 

After receiving and opening the letter it included a Disclosure and Promissory Statement. On this statement it indicated I would be paying a 101.85 % interest rate! I about " fainted '' and was not told, and but lied to on the phone from XXXX XXXX about the interest rate. 

Mr XXXX had scammed me into a high interest rate loan. 

After pulling up further information on the XXXX website under my account. I then discovered that {$0.00} dollars was applied to the {$7600.00} principal of the loan! I would be paying back " {$47000.00} '' over a 7 year period on a {$7600.00} loan is illegal! 

They also took {$950.00} out of the principal {$7600.00} loan and only disbursing {$6600.00} and wanting me to still pay back {$7600.00}?? 

On the disclosure agreement I did not sign or agree to any paperwork claiming this 101.85 % interest rate. 

I then immediately went to my financial institution XXXX XXXX XXXX and closed my checking account. On XX/XX/2018 I contacted XXXX and spoke with a Manager. He was also lying to me about the interest rate and claiming they are exempt from the Usery Law and can charge any interest rate they chose. 

I inform them I closed my checking account. I told them I would pay only back the {$7600.00} on a legal interest rate. They refused. They have scammed me out of money as well as reported this illegally to the credit bureaus. This is a fraud situation by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: TX

Complaint narrative:
A lady impersonating a attorney called my phone and left me a very threatening message i called the number back and she said she was from the XXXX XXXX in California. Stating that I was being sued for fraud for not paying a pay day loan from cash central, and that a sherriff was going to serve me at my job. My loans with Cash Central are paid in full btw. I even have documentation stating that my loans were paid in full. She told me that if I didn't pay them, that I would be served at my job and that all of my bank accounts would be suspended for 10 years. She tried to get {$550.00} from me, saying that if I paid the money by XX/XX/XXXX, that I would not be served and that cash central would drop the lawsuit. Her phone number is ( XXXX ) XXXX and her fax number is ( XXXX ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13 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: OH

Complaint narrative:
I have a list of accounts and amounts that are not mine at all, I would like them removed from my credit report because it is stopping me from refinancing my home XXXX XXXX Account Info {$1300.00} XXXX   {$100.00} XXXX XXXX {$1600.00} XXXX {$390.00} XXXX XXXX XXXX {$59.00} XXXX XXXX {$2000.00} XXXX XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX {$200.00} XXXX XXXX {$13000.00} XXXX XXXX XXXX {$7000.00} XXXX XXXX {$2200.00} XXXX XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX {$540.00} XXXX XXXX {$300.00} XXXX XXXX XXXX. {$250.00} XXXX XXXX XXXX {$29000.00} XXXX XXXX {$15000.00} XXXX XXXX XXXX {$4200.00} XXXX XXXX XXXX {$1000.00} NOW THESE ACCOUNT BELOW BELONG TO ME BUT THEY ARE REPORTING I HAVE MISSED A PAYMNT AND I HAVE NEVER MISSED A PAYMNT XXXX XXXX XXXX FOR THREE ACCOUNTS ALL SAYING I WAS LATE AND I WAS NEVER LATE

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 2018-11-13 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: OH

Complaint narrative:
I have a list of accounts and amounts that are not mine at all, I would like them removed from my credit report because it is stopping me from refinancing my home XXXX XXXX Account XXXX {$1300.00} XXXX {$100.00} XXXX XXXX {$1600.00} XXXX {$390.00} XXXX XXXX XXXX {$59.00} XXXX XXXX {$2000.00} XXXX XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX {$200.00} XXXX XXXX {$13000.00} XXXX XXXX XXXX {$7000.00} XXXX XXXX {$2200.00} XXXX XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX {$540.00} XXXX XXXX {$300.00} XXXX XXXX XXXX. {$250.00} XXXX XXXX XXXX {$29000.00} XXXX XXXX {$15000.00} XXXX XXXX XXXX {$4200.00} XXXX XXXX XXXX {$1000.00} NOW THESE ACCOUNT BELOW BELONG TO ME BUT THEY ARE REPORTING I HAVE MISSED A PAYMNT AND I HAVE NEVER MISSED A PAYMNT XXXX XXXX XXXX/XXXX FOR THREE ACCOUNTS ALL SAYING I WAS LATE AND I WAS NEVER LATE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: CO

Complaint narrative:
On or about XX/XX/2018, I review my XXXX credit report # XXXX to discover that a Bankruptcy account # XXXX appear out of nowhere dropping my credit score from XXXX to XXXX. I immediately contacted the U S Bankruptcy court clerk and was told by her that the court does not report the record to the credit bureaus and that the Bankruptcy was closed not " dismissed '' as being reported ; the clerk also stated that I may wish to contact LexisNexis to dispute any errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: IN

Complaint narrative:
I HAVE HAD A COMPANY CALLING ME, PORTFOLIO RECOVERY ASSOCIATES, TRYING TO COLLECT A DEBT THAT I DONT BELIEVE IS MINE. I HAVE ASKED NUMEROUS TIMES THAT THEY STOP CALLING ME AND PROVIDE A VERIFICATION OF THE DEBT, YET THEY STILL CALL NUMEROUSE TIMES A DAY. THEY HAVE REPORTED THIS TO MY CREDIT REPORT AND I DO NOT BELIEVE IT IS MINE OR IT IS OWED. THE OPEN DATE SHOWING ON MY REPORT IS XX/XX/2012 AND THE AMOUNT OWED IS XXXX FROM A CREDITOR XXXX XXXX XXXX XXXX XXXX XXXX '. I HAVE DISPUTED THIS DEBT AND ASKED FOR VERIFICATION ON THE MATTER.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-13 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:
I need to file a complaint against XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, New York XXXX. The reporting on what was once a combined commercial/residential wrap around mortgage is now just attached to my personal residence after I sold off the commercial property attached to the collateralized loan. Shortly after I sold the commercial portion, I was hit with an acceleration of my mortgage after XXXX XXXX acquired the mortgage from a bank merger. This was extremely unfair at the time due to the personal hardship I was going through with the passing of my wife, who was also an attorney and a partner in my law firm. Then XXXX XXXX started what was proven to be an illegal foreclosure action. Since the commercial aspects of the mortgage was eliminated with the sale of the larger portioned commercial percentage, my rights under the Fair Debt Collection Practices was protected under the XX/XX/2018 addendum of that federal law, My rights were violated by XXXX XXXX as I should have been given the initial right to modify the terms of the loan and take out the balloon payment, normally associated with large scale commercial transactions. After the foreclosure was filed I filed a counterclaim. XXXX XXXX XXXX was trying to ingratiate themselves foreclosing on a {$400000.00} home with only a {$140000.00} balance. I discovered that my rights were being violated under federal guidelines with both the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. Eventually, XXXX XXXX XXXX realized their mistake and gave me a restructured mortgage with all past payments, interest, penalties and legal fees waived, and gave to me a six-year mortgage completely interest free as long as I dropped my lawsuit against them with the Supreme Court state of New York. In essence, the current reporting is a complete falsehood, as it was XXXX XXXX XXXX that brought about the illegal foreclosure action. I should have a new payment history starting from the month of the restructured mortgage. This abusive reporting on all credit bureaus is a direct violation XXXX XXXX XXXX has with their subscriber agreement with all three national credit bureaus. The negative reporting must be deleted and only the payment history that started with the interest free mortgage should be posted. Accordingly, XXXX XXXX XXXX has only one option, to rectify this immediately and live up to their subscriber agreement with all three credit bureaus.

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 2018-11-13 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: GA

Complaint narrative:
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. XXXX, XXXX, XXXX XXXX XXXX, XXXX/XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX 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 non-monetary relief