vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-17 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: CO

Complaint narrative:
Complaint number : XXXX I received a reply today from Citi bank saying that they did not resolve my complaint due to my not supplying proof of original and amended quote from XXXX XXXX. I did indeed submit this information. Attached are photo copies of my email with the attachments. They have had this information for 7 months. 
I hired movers who changed my quote via phone 3 days before my move. I did not use them but they charged my card {$760.00}. Citi bank will not help me resolve this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
In XX/XX/XXXX I tried to use my XXXX XXXX it was denied. Did not think anything about it, because I just paid my balance. Today XX/XX/XXXX I looked up My account and it said it was closed with a {$0.00} balance. Call Customer Service was told it was because of lack of activity. I could not understand that so I finally spoke to a credit specialist and she claims the no activity and they checked my credit again and then because I did not owe any money and my credit score had gone down they decided to close my account. How can this happen? Why did they not send me a letter, which they are now sending me within 20 days? I am shocked that a company would close an account with no balance and then check my credit to close it. 
XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX cc # XXXX XXXX limit {$110.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Riverwalk Financial Corporation
State: NJ

Complaint narrative:
I regularly check my credit report and on XX/XX/XXXX, I noticed that XXXX XXXX XXXX ( XXXX, Tx ) had placed a derogative account on my XXXX credit report. Please note I have never received a phone call or any mail correspondence in reference to this alleged debt. I have never held a contract with XXXX XXXX XXXX, so I sent XXXX XXXX XXXX a certified letter on XX/XX/XXXX, disputing the debt and asking for verification of this alleged debt and they replied with no documentation proving that I had a contract with their company owing them XXXX. I also sent another certified letter on XX/XX/XXXX but have yet to her back from them. Please note they have reported to XXXX credit Bureau since XX/XX/XXXX that this debt is mine, but have failed to comply with the FDCP and FCR by contacting me and allowing me to dispute the debt as well as after receiving a certified letter from me indicating that I am disputing this alleged debt updating my XXXX Credit report with a note of dispute by consumer. I have sent two certified letters to this company asking for proof of contract with their company bearing my signature but that have not complied. I is my hope that your able to get in contact with XXXX XXXX XXXX and have them remove this erroneous Debt from my XXXX  credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: KS

Complaint narrative:
I am a XXXX completing my application for XXXX debt forgiveness. The loans in question are through XXXX XXXX.

XX/XX/XXXX- I received an email confirmation that XXXX had received my XXXX loan forgiveness application. In the email, it says I " should allow up to 10 business days for us to conduct our review '' and that " if we determine that your application is not materially complete, we will send you a letter that specifically advises you of the information/documentation we need to reconsider your application ''.

XX/XX/XXXX- I called to see how processing was going. I was told that my application was done correctly and it was sent to the federal government. I was told to check back in about 90 days.

XX/XX/XXXX- I called to see how the processing was going. I was told that my paperwork was n't done correctly and had n't been sent to the federal government. I completed the paperwork and resubmitted it this same day.

XX/XX/XXXX- I received a notification that my application was sent to the federal government.

I am filing a complaint for three issues on XXXX 's part. 1 ) XXXX  said in writing that I should allow for up to 10 business days to conduct our review. XX/XX/XXXX to XX/XX/XXXX is 93 days. XX/XX/XXXX to XX/XX/XXXX is 92 days. 2 ) I never received " a letter advising me of the information/documentation we need to reconsider your application ''. I was told via phone that this did n't happen because it took so long to process my application. 3 ) On XX/XX/XXXX, I was told via phone that my application was completed correctly and sent to the federal government. This was incorrect. I waited nearly 3 months to check back in because of this.

I understand that I filled out the paperwork incorrectly. This was my fault. It still does not excuse that it took nearly 185 days ( 128 business days ) to process my paperwork. If I allow 10 business days for them to process it, it should have only taken 20 business days. It also does n't excuse them from not mailing me a letter notifying me of how to fix my application once they saw it was done incorrectly. I also was incorrectly told that my application was completed correctly and sent off to the federal government. I only discovered that my application was n't done correctly after taking the initiative to call and check how my application was progressing.

I have filed a complaint. The complaint was denied and I was told I was responsible for all interest accrued. They will be mailing me a letter explaining why the made this decision. I also asked to obtain all of my account notes and a record of my phone communications with them. I was told it would require a subpoena.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To whom it may concern : I have had a lot of problems with the XXXX XXXX XXXX of XXXX XXXX California. Attached are Affidavit ( s ) letters to the point of contact ( XXXX XXXX XXXX and her associates from the XXXX.. I had a family business during the recession of XXXX XXXX and the economy got the best of us, but I paid our tax lien of $ XXXX XXXX. 

The tax lien debt was tendered in XXXX and the XXXX from XXXX mailed me a tax payer copy, showing, and expressing a tax lien release filed by the XXXX of XXXX within XXXX XXXX and XXXX XXXX XXXX California. The XXXX also went after my son XXXX XXXX XXXX XXXX creating another account number to create another $ XXXX of owed debt by filing the same debt publicly under my son. I have letters expressing the confusing and I even gave instruction to the XXXX to following up with their Headquarters, but we somehow come back to the issue yet again. Please review all attachments. 


Thank you, 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 2018-01-17 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: MO

Complaint narrative:
I have filed for Chapter XXXX bankruptcy and i did not authorize all the inquiries on my credit report. my credit score has plummeted to nothing and i am trying to purchase a home and this keeps me from owning my First Home and being treated equally like every other consumer. I would like all of these removed because they were never authorized to look at my credit by me.

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 2018-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
OnXX/XX/XXXX, 2017 I received the monthly statement for my checking account. In the case of reviewing this I noticed that there was likely a fraudulent check. I requested copies and then went to Chase Bank branch onXX/XX/XXXX, 2017 and notified them. Chase Banker and I found 14 fraudulent items. The first dating to XXXXXX/XX/XXXX/2017. 

OnXX/XX/XXXX I received a letter saying my " claim '' was denied due to failure to report this in a timely manner. 

I have called the number provided countless times since then. Essentially I am being told that my failure to report the first item within a Chase mandated time frame ( 30 days I believe but even this has been contradicted by those on the line ) renders me responsible for all items. 

I assert that despite the Chase Terms and Conditions that they have a fiduciary duty to safeguard my account. Instead the same payee on all the fraudulent checks was allowed to repeatedly to cash forged checks. I have no idea how the checks were obtained. I do not even know if they were my checks or if the check stock was forged. I am unable to determine if checks were cashed at counter or deposited to payee 's account. I am unable to determine what Chase policies are in regarding this matter and/or whether they followed their own policies. 

I am unsure where to go with this next and Chase representatives maintain that this issue is closed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
My dispute is not that I owed a debt, but rather the 14 money order payments made, yet not given credit for. As of XX/XX/XXXX, co attorney in this case, XXXX XXXX contacted me to inform me that I should stop mailing my payments to XXXX XXXX XXXX, XXXX, MI XXXX, but starting with my XX/XX/XXXX payment I should send them to : XXXX XXXX XXXX, XXXX XXXX, CA XXXX. For some reason, 14 payments have not been credited, yet after spending over {$200.00} in XXXX XXXX tracer fees, all but two were cashed by this company XXXX XXXX aka XXXX XXXX, XXXX XXXX or EVEN XXXX XXXX XXXX? I question this company 's ethics and bookkeeping practices and hope you can help me get a fair shake here. I had a payment plan in writing way back on XX/XX/XXXX, but with this mishap caused me to appear like I was in default when really not so. It did give this collection agency an excuse to empty my bank account unfairly. Back in XXXX of XX/XX/XXXXI questioned XXXX XXXX about 'why garnish my tax return when we already had a payment plan agreement in place and he agreed to drop the garnish, filing the required papers of Garnishment Release on XX/XX/XXXX. He agreed that several payments had been lost or unaccounted for, but later found more accurate records. From XX/XX/XXXX through XX/XX/XXXX some 14 money order payments were cashed by this company, yet not credited properly. Then on XX/XX/XXXX this unethical company reached in and helped themselves to {$1800.00}, unfairly, in my opinion, claiming default. A convenient coincidence or just to large to be efficient? I disputed their garnishment tactics last year on XXXX XXXX, but the Judge said 'bring proof of payments made, but not credited '. Again, I objected and will return to Court on XX/XX/XXXX with all the proof I need. We appear in front of the same Judge so this time around I hope fairness will be supported by facts. Should I subpoena XXXX XXXX? I do n't mind paying what I agreed to, but hate being cheated, as most people do. Please help if you can. 

Thank you and best regards, XXXX XXXX XXXX XXXX XXXX. 
XXXX, MI XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-17 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Williams, Rush & Associates, LLC
State: TX

Complaint narrative:
On XXXX XXXX, XXXX while reviewing my credit report I noticed a debt was recently reported by Williams , Rush & Associates for a contract that I signed with XXXX XXXX in XXXX, TX. The amount of debt reported was {$8400.00}. On XXXX/XXXX/XXXX I contacted them and informed them that the debt reported was inaccurate. In addition, I sent 2 letters to them stating the debt was inaccurate and should be removed from my credit report. I also asked them to verify the completeness and accuracy of the information being reported and to provide copies of any documents bearing my signature showing I was obligated to pay {$8400.00}. They have failed to provide documentation indicating I owe this amount. I have also asked that they discontinue calling my personal number as well as other numbers listed as emergency contacts and instructed them that all future communications should be in writing. They continue to make daily phone calls to both my personal number and emergency contact numbers.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17 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: MO

Complaint narrative:
I have filed for Chapter XXXX bankruptcy and i did not authorize all the inquiries on my credit report. my credit score has plummeted to nothing and i am trying to purchase a home and this keeps me from owning my First Home and being  treated equally like every other consumer. I would like all of these removed because they were never authorized to look at my credit by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17 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: MO

Complaint narrative:
I have filed for Chapter XXXX bankruptcy and i did not authorize all the inquiries on my credit report. my credit score has plummeted to nothing and i am trying to purchase a home and this keeps me from owning my First Home and being treated equally like every other consumer. I would like all of these removed  because they were never authorized to look at my credit by me.

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 2018-01-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I cosigned on an auto loan. My son is not able to pay the loan. I decided to pay the loan off in full. When inquiring about the pay off amount and asking to have the Title to be sent to my address, I found out that Wells Fargo had never received the Title. I was not listed on the title and Wells Fargo is not listed on the Title as Lien Holder. This was XXXX of 2017. I asked the costumer service representative why I was not notified of this. She said that she needed to verify my personal information. Evidently, when I filled out the application my name was already in their system and Wells Fargo pulled my old information from their system and put it as my current information. I was never notified that there was a problem with the Title. I also found out that the percentage rate was changed from 12 % which was extremely high already to 17.99 %. In my paperwork it states the dealer, XXXX XXXX will complete title transfer and registration of ownership to the above names, XXXX XXXXXXXX XXXX and XXXX XXXX XXXX and Register the lien holder on the title as Wells Fargo Bank. Apparently none of this was done. I had no idea until I called to pay off the loan. I would have taken care of this if I knew that this problem existed ... I have called Wells Fargo since XX/XX/XXXX trying to get some answers. I have left multiple messages, been assigned to multiple supervisors, who have never contacted me by phone only by mail, stating basically, it 's not there problem!! I have tried to get answers and no one will help me. I spoke to my attorney and she said to stop paying the payment and if that does n't get their attention then contact the Attorney General. I have paid {$8400.00} on the loan for XXXX. they say I owe {$9400.00}. I feel {$5000.00} is a fair number to pay them. They have ignored my calls for the last 6 months. They basically will not acknowledge that they did anything wrong. That it 's my problem that they did n't do their part to secure this car loan. I hope there is some way that you can help me. I have hard copies of documents if you need me to send them to you. I am unable to attach them by my computer. Thank you. XXXX Here are some of the names that were assigned to my account. XXXX XXXX, XXXX XXXX, XXXX XXXX and 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 2018-01-17 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
My Social Security number was attacked by XXXX XXXX XXXX for a fraudulent charge of {$930.00} on XX/XX/XXXX. I did n't know charge was on my credit report until I tried to get a loan, then contacted Experian on XX/XX/XXXX. A little research showed they are a fraudulent company, and being sued for these practices. ( " XXXX XXXX XXXX " ) I contacted the credit reporting agency to fix this problem, and they did not remove the charge.

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 2018-01-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To whom it may concern : I have had a lot of problems with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Attached are Affidavit ( s ) letters to the point of contact ( XXXX XXXX ) and her associates from the XXXX. I had a family business during the recession of XX/XX/XXXX XX/XX/XXXX and the economy got the best of us, but I paid our tax lien of $ 20k -/+. 

The tax lien debt was tendered in XX/XX/XXXX and the XXXX from XXXX mailed me a tax payer copy, showing, and expressing a tax lien release filed by the XXXX XXXX XXXX within XXXX XXXX and XXXX XXXX XXXX XXXX. The XXXX also went after my son ( XXXX XXXX ) creating another account number to create another $ XXXX of owed debt by filing the same debt publicly under my son. I have letters expressing the confusing and I even gave instruction to the XXXX to following up with their Headquarters, but we somehow come back to the issue yet again. Please review all attachments. 


Thank you, RE

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 2018-01-17 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: EQUIFAX, INC.
State: CA

Complaint narrative:
To whom it may concern : I have had a lot of problems with the Board of Equalization of XXXX XXXX California. Attached are Affidavit ( s ) letters to the point of contact ( XXXX XXXX ) and her associates from the B.O.E.. I had a family business during the recession of XX/XX/XXXX XX/XX/XXXX and the economy got the best of us, but I paid our tax lien of $ XXXX -/+.

The tax lien debt was tendered in XX/XX/XXXX and the BOE from XXXX mailed me a tax payer copy, showing, and expressing a tax lien release filed by the BOE of XXXX within XXXX XXXX  and XXXX County of California. The BOE also went after my son ( XXXX XXXX ) creating another account number to create another $ XXXX of owed debt by filing the same debt publicly under my son. I have letters expressing the confusing and I even gave instruction to the BOE to following up with their Headquarters, but we somehow come back to the issue yet again. Please review all attachments.

Thank you, XXXX

Company response to consumer: Closed with explanation