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

Complaint narrative:
A charge for the amount of {$690.00} appeared on my credit card statement on XX/XX/XXXX from XXXX XXXX. I have purchased a ticket from XXXX XXXX that day but the charge should have been {$340.00}. I called XXXX XXXX multiple times and I spoke with agents at the airport and XXXX XXXX insisted that they charged the right amount of {$340.00}. I filed a dispute with citibank ( the card issuer ) and provided all documentation. The bank inquired with XXXX XXXX and the airlines provided documentation showing the fee is {$340.00}. The bank is refusing the credit my account for the difference. They are asking that I resend the document that I already provided and they acknowledged that they received them. If somebody from citibank simply reads the documentation I provided and the documentation that was provided by XXXX XXXX they will see that the amount should be {$340.00} and not {$690.00}. CitiBank has all the documents that I attached to this 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 2019-02-02 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Pendrick Capital Partners Holding, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX is attempting to recover a debt of {$790.00} that is not mine. I have never had a contract or account with them. 
Thy even state in their letter that they are not the original account holder and that it was Pendrick Capitol Partners II LLC. I'm not familiar with them either. 

If I have no written contract with XXXX XXXX why are they trying to collect a debt from me for another company? I request validation of this account with original documents showing itemized charges. Not photocopies, but originals with wet ink signatures on it. 

I doubt that they can produce these documents. And if they do have them and they are not a licenced medical facility but a collection agency then that is a clear case of a HIPAA violation and possibly FDCPA violation. 

I have sent a letter directly to XXXX disputing these charges and account a week ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
I am writing regarding a collection account dated XX/XX/XXXX ( XXXX XXXX account ) being handled by Portfolio recovery. I have disputed this account since approximately XX/XX/XXXX without any documentation from Portfolio Recovery concerning validation of this debt. After many attempts disputing with all 3 credit reporting agencies I decided to dispute this debt once again. My most recent dispute letter dated XX/XX/XXXX addressed to XXXX. I did receive a reply today XX/XX/XXXX received by email message XXXX XXXX ( credit monitoring service ) that this debt is being reported as " past due '' and no longer a collection account. This maliciousness has to stop by this company. In the past they have reaged this account on many occasions and have caused headaches and damage to my credit. During this time I was also a victim of identity theft. As a result I have received free service through the experian credit monitoring service for several years. According to FCRA, all debts have to validated in order to collect a debt. To date Portfolio has not complied with the law and should be held accountable for deceiving actions. I would appreciate if CFPB could help me resolve this problem which I have tried to do myself with no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-02 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC
State: IN

Complaint narrative:
My name is XXXX XXXX. I am writing this letter to dispute a credit card transaction and late fees and interests due to an unauthorized transaction on my account. 
I got a statement from ( XXXX XXXX  ) concerning XXXX XXXX XXXX XXXX by XXXX with an amount of {$300.00}. I also got a letter from collection agency -radius- for the same amount. 
When I called XXXX XXXX, they referred me to their recovery department, they stated that this is the fee for XXXX membership renewal. 
I closed my membership of XXXX two years ago and closed my XXXX credit card issued from XXXX XXXX two years ago. 
When I checked online at ( XXXX ), I found that somebody at XXXX XXXX  opened a new credit card for me ended with XXXX and charged me on XX/XX/2018 an amount of {$120.00} for XXXX membership renewal and a late fee and interest was placed on my account since this time and now the total amount is {$300.00}. 
I called XXXX membership department and they stated that my account was closed, and they did not request to authorize XXXX XXXX  to renew my membership. 
I did not authorize anyone to renew XXXX membership or to make a new credit card for me. I am out of the States for one year now. 
When I contacted XXXX XXXX, they stated that my account is closed, and I have a XXXX balance and they referred me to collection department who refused to dispute the transaction and the late fees and interests. 
XXXX XXXX openend a new credit card without my authorization and charged me without my authorization. 
This affects my credit score significantly for a transaction that I have never performed, and it was sent already for collection. 
Bank information : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX Here you are my contact information : Address : XXXX XXXX XXXX , XXXX XXXX, XXXX XXXX, IN XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-02 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: DISCOVER BANK
State: ID

Complaint narrative:
I purchased a hot tub from XXXX XXXX on their web site. On XX/XX/2018, I was charged {$2800.00} for the hot tub. On XX/XX/2018, I was charged again for the same amount of {$2800.00}. These charges were billed to my Discover card. I called Discover right away when I learned of this duplicate charge and they opened up a dispute case. They eventually closed the case in XXXX XXXX favor leaving me stuck with a double charge to my discover account. Since then I have reopened this dispute several times with the same outcome. Everyone I have spoke with at Discover customer service agrees that this is obviously a duplicate charge yet this remains unresolved almost a year later. Every bit of documentation proves the case in my favor and yet they still determine the charges to be valid. The documentation provided clearly states that I purchased and received 1 hot tub. My billing statement clearly shows I was billed twice for 1 product. I do not understand why they don't get it. Discover even said that the two charges both have the same unique transaction number that is attached to purchases. This case should have been resolved 10 months ago in my favor on that bit of information alone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-02 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: Selene Finance LP
State: OK

Complaint narrative:
My previous mortgage was given to Selene Finance from XXXX XXXX. In as of XX/XX/XXXX Selene Finance put on my credit report that I had late payments in XX/XX/XXXX and XX/XX/XXXX. As you can see below from Selene 's  own information payment was cleared for XXXX on XX/XX/XXXX and the entire balance was paid on XX/XX/XXXX. Both are well within the time frame before it would be considered late. I have never been late with my mortgage payment and have not been late on any payment at all since XXXX. I have fought with Selene Finance to correct their mistake which they continue to deny and refuse to update with the correct information. This is now impacting my family and I being able to get another mortgage to buy our family home. I pray that you are able to assist me in anyway in getting this corrected. 
SELENE FINANCE PAYMENT HISTORY Date Amount Description XX/XX/XXXX - {$220.00} Escrow Disbursement XX/XX/XXXX {$20.00} Payment of Fee XX/XX/XXXX {$180000.00} Payoff XX/XX/XXXX {$20.00} Assessed Fee XX/XX/XXXX - {$1600.00} Insurance Disbursement XX/XX/XXXX {$1200.00} Payment XXXX ALERT FOR SELENE FINANCE XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-02 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
My name is XXXX XXXX. I am writing this letter to dispute a credit card transaction and late fees and interests due to an unauthorized transaction on my account. 
I got a statement from ( Citi bank ) concerning XXXX XXXX Visa Card by Citi with an amount of {$300.00}. I also got a letter from collection agency -radius- for the same amount. 
When I called Citi Bank, they referred me to their recovery department, they stated that this is the fee for XXXX membership renewal. 
I closed my membership of XXXX two years ago and closed my XXXX credit card issued from citi bank two years ago. 
When I checked online at ( www.citicaards.com ), I found that somebody at citi bank opened a new credit card for me ended with XXXX and charged me on XX/XX/2018 an amount of {$120.00} for XXXX membership renewal and a late fee and interest was placed on my account since this time and now the total amount is {$300.00}. 
I called XXXX membership department and they stated that my account was closed, and they did not request to authorize citi bank to renew my membership. 
I did not authorize anyone to renew XXXX membership or to make a new credit card for me. I am out of the States for one year now. 
When I contacted Citi bank, they stated that my account is closed, and I have a XXXX balance and they referred me to collection department who refused to dispute the transaction and the late fees and interests. 
Citi bank openend a new credit card without my authorization and charged me without my authorization. 
This affects my credit score significantly for a transaction that I have never performed, and it was sent already for collection. 
Bank information : Citi Bank XXXX XXXX XXXX, XXXX XXXX, MO XXXX Here you are my contact information : Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IN XXXX Email : 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 2019-02-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: AZ

Complaint narrative:
On XX/XX/XXXX Dovenmuehl sent me a letter saying that I incurred a shortage of XXXX due to a large increase in property tax. According to their records the property increased by about {$5000.00}. Dovenmuehl was incorrect. But before I figured out that Dovenmuel was incorrect I sent them several thousand dollars to bring the escrow balance to the erroneous required amount. 

Correct Property taxes for XXXX -- -- - {$1100.00} Exhibit c Correct property taxes for XXXX -- -- - {$1300.00} Exhibit C On XX/XX/XXXXI sent a fax to Dovenmuehl showing that the correct tax amount for XXXX was {$1300.00}. See Exhibit E. 

Between XX/XX/XXXX and XX/XX/XXXX I paid {$6700.00} to the escrow account. 
Dovenmuel paid XXXX in county taxes out of that. 
Dovenmuehl paid {$0.00} for insurance because I purchased home insurance directly That leaves XXXX in escrow to pay for XXXX taxes of {$1300.00}. 

Dovenmuel owes me {$4200.00} XXXX I asked Dovenmuel to let me pay my own tax and insurance because they XXXX   them up so badly but Dovenmuhl said that They could not allow me to take responsibility for my own taxes and insurance because my escrow balance was negative. That's XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-02 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CURO Intermediate Holdings
State: VA

Complaint narrative:
My balance just keeps increases no matter the amount I pay. It continues to rise instead of decreasing from my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-02 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: CAINE & WEINER COMPANY, INC.
State: CA

Complaint narrative:
I met with the XXXX guy at my work parking lot and he sold me a scanner, smoke tester, pcm reflash, and a few other items that I could use while I was working. I was approved for the items and they cost approx {$6000.00}. I no longer needed a few of the items and I needed to lower my payment. The XXXX worker took back the PCM reflash which was almost $ 3k. Which should have lowered my amount. I never saw the decrease. He said that he would have to return it himself, but I never got the part back nor did I ever get that amount removed from my account. I paid quite a bit of money and I do not feel that this should be on my account I would like it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America collected but didn't pay supplemental tax, which result in delinquent penalty. 

I purchased home around 6 months ago. Bank of America setup escrow account to pay tax & insurance, they collected the amount of money which is enough to cover tax for new assessed value.

I received the two bills ( standard & supplemental ), the standard one for previous assessed value, supplemental one for diff between previous & re-assessed value. I confirmed with lender that bank of America will cover my bill. However, months later I received notice telling me my supplemental tax is delinquent and subject to 10 % penalty, which is around 400. 

I reached out to BOA again, they told me they are not responsible for supplemental tax. 

They shouldn't collect supplemental tax in escrow account if they are not responsible for paying that. If they do, they should pay for that, or at least warn home owners

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 2019-02-02 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: TX

Complaint narrative:
I am very concerned about the validity and accuracy of the recent investigation done by Transunion. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. XXXX failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting. nobody wants to grant me a loan because of this. 

XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2019-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
In XXXX, I purchased a brand new XXXX. I maintained my payments, although at the time I was a Jr in college struggling to work and complete my degree. I always kept a clear line of communication with things that were going on with my financial situation. for the most part they worked with me. After going through horrible natural disaster in the state of FL, and losing my job to one of the hurricanes I fell so back it was impossible to climb out of the hole. the vehicle was repossed in XXXX of XXXX. I have contacted the employer multiple ( twice a week to be exact ). The vehicle was sent to auction and i was supposed to be contacted by GM financial to know how much the balance was so i can began paying my balance to remove the loan off of my credit report. not i have a $ XXXX account that has an innaccurate balance and everytime I try to dispute that this information is incorect, they update it as if it is. the vehicle has been repossed, 5months later i am still out of the loop and GM fininacial refuses to give me updated information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I am writing regarding a collection account dated XX/XX/XXXX ( capital one account ) being handled by XXXX XXXX. I have disputed this account since approximately XX/XX/XXXX without any documentation from XXXX XXXX concerning validation of this debt. After many attempts disputing with all 3 credit reporting agencies I decided to dispute this debt once again. My most recent dispute letter dated XX/XX/XXXX addressed to XXXX. I did receive a reply today XX/XX/XXXX received by email message XXXX XXXX ( credit monitoring service ) that this debt is being reported as " past due '' and no longer a collection account. This maliciousness has to stop by this company. In the past they have reaged this account on many occasions and have caused headaches and damage to my credit. During this time I was also a victim of identity theft. As a result I have received free service through the XXXX credit monitoring service for several years. According to FCRA, all debts have to validated in order to collect a debt. To date XXXX has not complied with the law and should be held accountable for deceiving actions. I would appreciate if CFPB could help me resolve this problem which I have tried to do myself with no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In XXXX, I purchased a brand new XXXX. I maintained my payments, although at the time I was a Jr in college struggling to work and complete my degree. I always kept a clear line of communication with things that were going on with my financial situation. for the most part they worked with me. After going through horrible natural disaster in the state of FL, and losing my job to one of the hurricanes I fell so back it was impossible to climb out of the hole. the vehicle was repossed in XXXX of XXXX. I have contacted the employer multiple ( twice a week to be exact ). The vehicle was sent to auction and i was supposed to be contacted by XXXX XXXX to know how much the balance was so i can began paying my balance to remove the loan off of my credit report. not i have a $ XXXX account that has an innaccurate balance and everytime I try to dispute that this information is incorect, they update it as if it is. the vehicle has been repossed, 5months later i am still out of the loop and XXXX XXXX  refuses to give me updated information.

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 2019-02-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: GA

Complaint narrative:
I have no idea who XXXX XXXX is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. XXXX XXXX is indicating that an account with the account number XXXX was opened with their company in XX/XX/2018. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. 

When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity.

2. Provide signed verification of each transaction that is part of the alleged cumulative debt.

3. Provide the contract or other instrument through which [ Alleged Creditor } authorized XXXX XXXX as third-party collection agent. 
4. Provide a true and correct copy of the instrument by which [ XXXX  XXXX  } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ).

5. Provide the delegation of authority from the Director of the Office of Management Budget to XXXX XXXX, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ).

6. Provide the Certified Assessment Certificate.

Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide an Opt Out Notice.

* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice.

* Sharing Non Public Information ( NPI ) without providing an Opt Out Notice

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation