vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I purchased a couch from Macy 's and the due date for payment was XX/XX/XXXX. 
I called and paid {$1500.00} and spoke to the representative and asked for an extension to pay the balance due of {$1500.00}. I did not want to have a {$990.00} interest added to my account. I called in to pay the balance and got the unusual runaround. My calls are normally routed to the XXXX and I was not helped. I called back and they found the agreement and they stated that the balance had to be paid by XX/XX/XXXX that was the agreement and that paying it on the due date did not suffice. I spoke with a XXXX, he stated the most he could take off was {$200.00}. I called again and tried to resolve it today and my call was sent to the XXXX again. There is no help. They noted that I had already paid, and they refer to the payment that I made but I have my account set up for automatic payments. 

I asked about COVID relief, I was told that Macy 's no longer has any type of COVID relief programs they ended XX/XX/XXXX. 

I want to pay the balance of {$1500.00}, not the {$990.00} in interest.

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 2021-01-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Incomm Holdings Inc.
State: MA

Complaint narrative:
There was fraud reported on the 2 separate debit cards and they refused to return my money. They said there were doing an investigation and have done nothing and refuse to return my money. 

Money was stolen and deposited into a XXXX account. I called XXXX and they agreed there was fraud and they returned the money to the debit card. 

Vanilla prepaid cards ( Incomm ) is a returning my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 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: AL

Complaint narrative:
My concerns with XXXX XXXX and their unfair credit reporting processes. 

I paid my account within 30 days ( XX/XX/XXXX ) and was reported late. 

Also, I modified my account in XXXX and I was advised once the modification was complete my payment would not be reported late. 
Loan Modifications include loan reporting requirements that result in the mortgage continuing to be reported as current and paid in full, if the requirements of the program are met by the homeowner. 

My payment was reported late for 9 consecutive months.

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 2021-01-27 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: AL

Complaint narrative:
My concerns with XXXX XXXX and their unfair credit reporting processes. 

I paid my account within 30 days ( XX/XX/XXXX ) and was reported late. 

Also, I modified my account in XXXX and I was advised once the modification was complete my payment would not be reported late. 
Loan Modifications include loan reporting requirements that result in the mortgage continuing to be reported as current and paid in full, if the requirements of the program are met by the homeowner. 

My payment was reported late for 9 consecutive months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 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: AL

Complaint narrative:
My concerns with XXXX XXXX and their unfair credit reporting processes. 

I paid my account within 30 days ( XX/XX/XXXX ) and was reported late. 

Also, I modified my account in XXXX and I was advised once the modification was complete my payment would not be reported late. 
Loan Modifications include loan reporting requirements that result in the mortgage continuing to be reported as current and paid in full, if the requirements of the program are met by the homeowner. 

My payment was reported late for 9 consecutive months.

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 2021-01-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
I paid off my loan and received an escrow refund check which bounced. I have called 6 different numbers associated with this company, and in every call I was directed by the automated system that ends up hanging up on me.

Loancare LLC a subsidiary of 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 explanation
Consumer complaint received 2021-01-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: CA

Complaint narrative:
I have a alleged debt with a company by the name of TRUE ACCORD in the amount of XXXX. I have sent them a letter certified mail stating for them to verify this alleged debt that I am not aware of. I have tried multiple times to dispute with credit bureaus but they have forward me to the 3rd party collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
Funds in my Venmo account were being transferred to a XXXX XXXX account that was not mine. From XX/XX/XXXX to XX/XX/XXXX, XXXX deposits for the sum of {$21000.00} were made into the XXXX account which is NOT mine. It appears that someone hacked my Venmo account and changed the bank from my XXXX XXXXXXXX XXXX to their XXXX XXXX. On XX/XX/XXXX the Venmo account somehow returned to my XXXX XXXXXXXX XXXX account. I have filed a case with Venmo on XX/XX/XXXX. I've not heard anything from them on the issue todate. I have reported the case to the XXXX, XXXX  XXXX Police Dept. I have filed with the Ohio Attorney General 's office, Internet Crime Complaint Center, my personal attorney, my accontant. I have also changed every password on accounts and established Identity Theft Service and accquired a pin for my taxes.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-27 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: NY

Complaint narrative:
Looking over my credit report and notice there were fraudulent accounts that do not belong to me and never authorized any contracts and business with these companies. The following accounts are listed below : 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 explanation
Consumer complaint received 2021-01-27 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: NY

Complaint narrative:
Looking over my credit report and notice there were fraudulent accounts that do not belong to me and never authorized any contracts and business with these companies. The following accounts are listed below : 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 2021-01-28 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: RFNA, LP
State: AL

Complaint narrative:
My concerns are their unfair credit reporting processes. I paid my account within 30 days and my account was never late. However, it was reported late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 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 — Investigation took more than 30 days
Company: Complete Credit Solutions, Inc.
State: OH

Complaint narrative:
In early XXXX I submitted a dispute request to XXXX  re : a debt showing on my report. The company XXXX XXXX XXXX  XXXX XXXX XXXX XXXX was a defendant in a class action lawsuit ( case no 3:19-cv-293 in the Eastern District of VA court ) . This class action lawsuit court docket states on page 2 section 3 that the suit applies to all consumers in the United States with loans that originated from XX/XX/XXXX to XX/XX/XXXX the loan I had originated in XX/XX/XXXX. Section 13 e of the court docket states that information will be removed from consumer 's credit reports- this case was settled on XX/XX/XXXXXXXX This information has been removed from my XXXX and XXXX file already but not my XXXX file- XXXX  has stated the creditor states the information is valid and per the outcome of the lawsuit - it is not I submitted a complaint to the XXXX also in early XXXX - again this account was to be to be removed from my credit profile due to a settled class action law suit- any account issued prior to a certain date would be forgiven due to the companies unfavorable lending practices. The company stated they would repurchase the debt from the collection agency and then retire the account. To date this has not occurred and the item is still appearing on my credit report. I have contacted the company numerous times- they always state they will request the update again. It is now going on the end of 3 months with no resolution. This is a copy of the e-mail from the company : Help at XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX Dear XXXX, XXXX has received a copy of the complaint that you filed with the XXXX. At XXXX, we have high standards for customer service and take your complaint very seriously. Having reviewed the complaint, we understand your concerns regarding the credit inquiry with XXXX. In accordance with our customary practices, XXXX sold your loan on XX/XX/XXXX, to an independent third party ( debt buyer ) unaffiliated with XXXX after not receiving a payment from you in over 90 days. We never received a payment. XXXX sold and transferred to the debt buyer all of our rights, title, and interest in this loan and has not attempted to collect on this debt since the date of the sale. However, due to your concerns, we have requested to buy back your account from XXXX XXXX XXXX XXXX Group. Once this is complete XXXX will retire the account. We have also reached out to XXXX and they have confirmed that the inquiry for loan XXXX has been removed. If you have any questions, please contact me at XXXX. Sincerely, XXXX XXXX Contact Center Supervisor 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 explanation
Consumer complaint received 2021-01-27 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
In early XXXX I submitted a dispute request to XXXX re : a debt showing on my report. The company XXXX XXXX XXXX XXXX XXXX XXXX XXXX was a defendant in a class action lawsuit ( case no 3:19-cv-293 in the Eastern District of VA court ) . This class action lawsuit court docket states on page 2 section 3 that the suit applies to all consumers in the United States with loans that originated from XX/XX/XXXX to XX/XX/XXXX the loan I had originated in XX/XX/XXXX. Section 13 e of the court docket states that information will be removed from consumer 's credit reports- this case was settled onXX/XX/XXXX. This information has been removed from my XXXX  and Equifax file already but not my XXXX file- XXXX has stated the creditor states the information is valid and per the outcome of the lawsuit - it is not I submitted a complaint to the XXXX also in early XXXX - again this account was to be to be removed from my credit profile due to a settled class action law suit- any account issued prior to a certain date would be forgiven due to the companies unfavorable lending practices. The company stated they would repurchase the debt from the collection agency and then retire the account. To date this has not occurred and the item is still appearing on my credit report. I have contacted the company numerous times- they always state they will request the update again. It is now going on the end of 3 months with no resolution. This is a copy of the e-mail from the company : Help at XXXX XXXX Fri XX/XX/XXXX XXXX XXXX Dear XXXX, XXXX has received a copy of the complaint that you filed with the XXXX. At XXXX, we have high standards for customer service and take your complaint very seriously. Having reviewed the complaint, we understand your concerns regarding the credit inquiry with XXXX. In accordance with our customary practices, XXXX sold your loan on XX/XX/XXXX, to an independent third party ( debt buyer ) unaffiliated with XXXX after not receiving a payment from you in over 90 days. We never received a payment. XXXX sold and transferred to the debt buyer all of our rights, title, and interest in this loan and has not attempted to collect on this debt since the date of the sale. However, due to your concerns, we have requested to buy back your account from XXXX XXXX XXXX XXXX XXXX. Once this is complete XXXX will retire the account. We have also reached out to XXXX and they have confirmed that the inquiry for loan XXXX has been removed. If you have any questions, please contact me at XXXX. Sincerely, XXXX XXXX Contact XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Date of dispute- XX/XX/XXXX ATM at Wells Fargo ATM , XXXX XXXX , XXXX Ca. 

I tried to withdraw cash from my Savings account for {$200.00} and {$150.00} from my Checking account,. All of which DID NOT disperse any funds. I knew that I had the funds in there but did not know why the transaction would not go through. After several attempts the machine closed up said " suspicious activity '' and cancelled the transaction and gave my card back without a receipt or any cash. 
After arriving home I received a Text from wells Fargo asking me if I recognized this activity and I said yes but I did not receive any funds. I called again the following morning and told the gentleman what had happened and he said he saw the problem and would take care of it. I then received an email from Wells Fargo Saying the transactions were declined and I would not be charged. The {$150.00} from my checking was taken off but not the {$200.00} from Savings. When I inquired about the credit they said no, the ATM had dis burst the funds. If this were true why would they send me the an email stating that the transactions have been declined! 
I have now been battling this for all these months now, being bounced from one department to another, another telephone number to start all over from the beginning only to be told that is a different department. I even made an appointment with a banker in XXXX.XXXX, she was wonderful and so patient. She looked over my documents and made a report. Still no letter of explanation. Then finally XXXX, XXXX I get a letter from ATM Claims.But my questions are still not answered. This has been so stressful, I have lost sleep and gotten so frustrated over and over again. I DID NOT RECEIVE ANY FUNDS 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 2021-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Called Citi to dispute 3 unauthorized transactions from a merchant. Citi issues temporary credit and subsequently without any explanation or notice withdrew the credits and denied the dispute

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 2021-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CT

Complaint narrative:
I started accruing maintenance charges in XXXX of XXXX despite increasing balances. 

XXXX {$25.00} Maintenance Charge XXXX {$25.00} Maintenance Charge XX/XX/XXXX - {$25.00} Maintenance Charge XX/XX/XXXX - {$25.00} Maintenance Charge

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc.
State: CA

Complaint narrative:
I received a Collection Notice from Franklin Collection Service regarding an unpaid Debt for XXXX for {$250.00}. 

I have never had an account with XXXX ever in my life. I have always had XXXX for my cable and Wifi Services. 

I sent them a certified letter on XX/XX/2021 stating that I have never had an account with XXXX, and this is not my debt. 

Today I was informed that my credit score dropped 32 points from XXXX to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 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: Navient Solutions, LLC.
State: DC

Complaint narrative:
In XX/XX/XXXX I co-signed a private loan for my son. It was required because he was a dependent student. Payment was initiated by me on about XX/XX/XXXX. At this time he had graduated. I continued those payments until about XX/XX/XXXX. 

At that time he updated my credit record to show that loan was initiated in XXXX. Contact was made with all parties that I thought would be able to help me clear up the data. I contacted the Credit Bureau and the response was that Navient claimed the report without showing that they performed any research to confirm. 

This occurred a few months after Sallie Mae split up and separated Federal and Private loan agencies. 

With no where else to go I found a lawyer that would take on my case. As this also involved my son, the lawyer added him as a plaintiff. Navient dragged out the process in the court system for about 3 years. As I had lost confidence in our legal team, finally I decided to drop the case without prejudice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 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: American First Finance, Inc.
State: IL

Complaint narrative:
On XX/XX/2020 XXXX XXXX XXXX added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold, and I am no longer responsible for the account. Debtor 's credit did not verify this collection. also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, Amer Fst Fin has violated my rights as a consumer, and I am requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I could not obtain my free annual -- nor weekly -- credit report online because TransUnion was unable to sufficiently match the identifying information I provided with the information it has on file. Therefore, on XX/XX/XXXX I mailed my written request along with identity documentation to TransUnion Consumer Solutions, XXXX XXXX XXXX, XXXX, PA XXXX. On XX/XX/XXXX I received a response from TransUnion requesting additional documentation. On XX/XX/XXXX I mailed the documentation requested by TransUnion and included the file number from their letter. However, I have yet to receive my credit report or any other response from TransUnion in violation of my rights as secured by section 612 ( a ) ( 2 ) of the Fair Credit Reporting Act.

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 2021-01-28 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: CA

Complaint narrative:
I was sent to collections I contacted the company via letter to obtain proper documentation on debt owed. 
Company name is : Portfolio recovery associates LLC. 
AMOUNT : XXXX COMPANY HAS NOT PROVIDED LEGAL PROOF ABOUT OWNERSHIP OF THE DEBT NOR ANY INFO REGARDING LEGAL RIGHT TO COLLECT.

Company response to consumer: Closed with explanation