vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-11 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: CITIBANK, N.A.
State: NY

Complaint narrative:
I had a citi double cash card which ended with XXXX. On or about XXXX, I opened my paper statement for the billing period XXXX and found of the 25 charges made to my card, 17 of them were not made by me. I did not lose or lend my card. I called the card company, disputed the fraudulent activity and paid for my charges immediately, as I always do. Prior to getting the next statement for the billing period in the mail, I got an e-mail, on or about XX/XX/XXXX asking to contact the credit card company. Upon contacting the card company, I was asked about the 25 charges transacted from XXXX. Of those, 24 were made fraudulently and i disputed them. I was then issued a new card. On XXXX XXXX, I received a brief letter from the card company, stating that as I did not lose or lend my card, the dispute was closed. I then sent a letter, via certified mail, to citi bank security services dated XXXX, reminding them that turning their back on their customer without attempting any due diligence on their part, implies that I am the one who is a fraud, a cheat and a liar and that implication is indeed slanderous. I then pointed out the inconsistencies of the disputed purchases with regards to the prior 11 months of my card use, the frequenting of places I have never been, neighborhoods and cities I have never visited as opposed to the very limited sectors I used my card prior to the disputes. As I understand it, the credit card company is required to reply to me in writing within a certain number of days. That time has long passed. I maintain, in the strongest possible terms, that I did not make any of the disputed charges, and insist that all the disputed charges, fees, and interest be removed from my account.

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 2020-10-11 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/2020 three transactions were made on my card which I did not make. 
1. XXXX - {$19.00} 2. XXXX - {$1.00} 3. XXXX - {$970.00} When I saw these transactions, I immediately called the bank and reported the problem. The operator told me that the money was most likely stolen and blocked my card and reissued a new one.

Since the money was stolen from my card, the operator redirected me to another department working with this problem. After about three hours of waiting, the operator reported that there were no free people and asked me to call back next time.

I went to the bank office, but I was told there that they did not understand this problem and told me to call the support service.

More than three weeks have passed and I still can't reach the bank, I am constantly switched to another department, I wait 2-3 hours for an answer and the call is reset.

It is no longer possible to do this every day.

This money comes from unemployment, I have XXXX  children and this money is very important for us. I still can not understand why the bank treats its clients like this.

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 2020-10-11 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: EQUIFAX, INC.
State: IL

Complaint narrative:
have two XXXX XXXX  accounts still on credit report showing closed i requested those two accounts be removed and block i sent n wrong police report credit so im uploading the report with the officer name

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
have two XXXX XXXX  accounts still on credit report showing closed i requested those two accounts be removed and block i sent n wrong police report credit so im uploading the report with the officer name

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 2020-10-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I got a 6 months no interest card from Syncrony Bank, a Care credit  in XX/XX/2020 card due to an XXXX  XXXX  XXXX. I initially charged the card with about {$1600.00} and 2 months later about {$230.00}. The remaining balance, after the promotional 6 months offer was up, was about {$390.00}, XX/XX/XXXX. 
Now they are charging me about 32 % on that remaining balance, {$120.00} (!!!! ). I called the customer service and they told me that that amount is actually calculated on the initial balance. If I almost paid off the initial balance except {$390.00}, how does it make sense to charge me on the paid off portion, too?!?!?! 
I'm thoroughly disgusted by their predatory practices, to take advantage of someone, who needed medical help. I would be ok for them to charge me interest on the remaining balance of {$390.00}, but not on the initial balance I already paid off during the 6 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 2020-10-11 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
2 cds lost. Wells Fargo has no records. Never turned over to CA. Lost assets. The 2 cds were {$2000.00} each and opened in XX/XX/96. Auto renewal but never received any notice ever come time to renew. Yes I forgot about them but still should been notified. Talked to wells Fargo and said no records anymore so case closed. Case mgr. XXXX XXXX of executive office handled case number XXXX. Phone 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 2020-10-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collection Bureau of Fort Walton Beach, Inc
State: AL

Complaint narrative:
I have never heard of, done business with, nor have I been contacted by the collection agency regarding any debt. I have not received any notice of debt, notice of the right to dispute, any information to verify or validate this alleged debt, or any other correspondence from this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
Aft

er filing a dispute against Chase bank with the CFPB, I believe Chase bank closed my account without proper authorization or legal cause. My demands were very clear in my complaint, and I did not give authorization to have my account closed unless they were fully, and clearly met. This was retaliatory. I made them aware that I will be reporting this on a new website, which I am building with my own money to warn others of this incident, and what I believe are predatory credit practices ( to which over 50,000 people agree, proof attached! ), and they closed this account in direct retaliation. Further, I can prove that I can easily pay this amount in full, at any time - with a credit history that shows I am not a " risk '' as they would call it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Credit Management, Inc
State: AR

Complaint narrative:
It has been several months and Professional Credit Management continues to violate the Fair Debt Collection Practice Act and Fair Credit Reporting Act by continuing to report a fraudulent debt to my credit file that was never opened by me. This account was previously deleted from my file and re-sold which is clearly a FCRA violation. Even after being notified this debt was a result of identity fraud Professional Credit Management continues to report this account to the major consumer reporting agencies. In addition in the state of Arkansas, Debts incurred for medical services have a statute of limitations of 2 years from the date the service ( s ) was rendered or from the date in which the most partial payment was made ( A.C.A. 16-56-106 ). I find these actions totally unacceptable and Professional Credit Management must be held accountable for their actions.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-11 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Concord Servicing Corporation
State: UT

Complaint narrative:
Bl

ackwell Recovery has attempted to collect a debt in the state of Utah and they are not licensed or bonded to collect said debt. They have placed a mark on my credit report when they are not allowed to due to not have a debt collectors license in this state. They have also tacked on added charges to which I h
ave not agreed nor ever signed a contract for. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX fax 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 2020-10-11 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: EQUIFAX, INC.
State: NM

Complaint narrative:
I have submitted a complaint previously stating that XXXX XXXX listed two late payments on my account in XX/XX/XXXX and XX/XX/XXXX that were paid on time and I provided proof. Equifax and XXXX  both sided with my dispute and altered the inaccurate information reflected on my account. Several months later the creditor changed the information back to the inaccurate version, and now the false late payments show up on my account again as I'm trying to qualify for a mortgage. These supposed late payments were already proven to be false -- all payments have been made on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
Synchrony Bank/Pay Pal has a line of credit showing up on my credit report. I never applied for this line of credit. I wonder if they opened this line of credit without my knowledge.

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 2020-10-11 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: NM

Complaint narrative:
I have submitted a complaint previously stating that XXXX XXXX listed two late payments on my account in XX/XX/XXXX and XX/XX/XXXX that were paid on time and I provided proof. XXXX  and Transunion both sided with my dispute and altered the inaccurate information reflected on my account. Several months later the creditor changed the information back to the inaccurate version, and now the false late payments show up on my account again as I'm trying to qualify for a mortgage. These supposed late payments were already proven to be false -- all payments have been made on time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Bridgecrest Acceptance Corporation
State: LA

Complaint narrative:
Bridgcrest I have XXXX  XXXX XXXX that is XXXX behind I tired to work it out with them and they want my car and not trying to work with me with situation

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 2020-10-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
The company name is Portfolio Recovery Associates. They call me Monday - Sunday about 5 to 9 times per day. They called me today,  Sunday, at XXXX XXXX. They have also called my husband who has nothing to do with what I have to pay. I have sent them letters requesting more information and they have not replied back. They are extremely rude.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-11 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: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
On the last week of XX/XX/2020 I called a Ally Financial and spoke to a representative and ask here that i need to skip XXXX payment for reason that my mother in law was XXXX  with XXXX XXXX and needed a little time to make the payment. I do not remember her name but she said she would help me. So as soon as I was able to make both payments I did and as time went on I receive an email from XXXX  and it read that I received an negative mark on my credit report. I have tried multiple times calling Ally Financial to correct this mistake with no avail. All I asking for is Ally Financial to remove the negative remark on my credit report. 

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 2020-10-11 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have submitted my driver 's license and paystubs to Equifax on 2 separate occasions. They have failed to provide my credit report. I am extremely concerned about identity theft and that Equifax may have lost my items for identification purposes. I have been waiting since XX/XX/2020 and have received no response from Equifax and I believe my consumer rights have been abused and violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
Lvnv Funding is Indicating that papers being sent to me are legal forms when they are not. I sent a certified letter to LVNV explaining that I am a victim of identity theft and for them to send me the following information so I can investigate but all I've received was a billing statement and not the requested information '' Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report  Please send me a letter explaining what you have done to : Inform 12 XXXX XXXX XXXX XXXX XXXX  that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request No other response back from LVNV FUNDING

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11 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 — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have submitted my driver 's license and paystubs to XXXX on 2 separate occasions. They have failed to provide my credit report. I am extremely concerned about identity theft and that XXXX  may have lost my items for identification purposes. I have been waiting since XX/XX/2020 and have received no response from XXXX  and I believe my consumer rights have been abused and violated.

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 2020-10-11 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On the last week of XX/XX/2020 I called a XXXX XXXX and spoke to a representative and ask here that i need to skip XXXX payment for reason that my mother in law was infected with Covid 19 and needed a little time to make the payment. I do not remember her name but she said she would help me. So as soon as I was able to make both payments I did and as time went on I receive an email from Experian and it read that I received an negative mark on my credit report. I have tried multiple times calling XXXX XXXX to correct this mistake with no avail. All I asking for is XXXX XXXX to remove the negative remark on my credit report. 

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 2020-10-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am having serious frustration with the delay in payment posting from Bank of America Home Mortgage. The problem started XX/XX/XXXX with the implementation of a " new system ''.

Since then, I have experienced the

following problems : 1. Serious delay and wait times in customer service, as well as non-responsiveness in the resolution of issues. 2. Payments made have not been posted to my mortgage account on a timely manner. 3. Confusing information as to the status of my mo
rtgage payments and principal balance remaining. 

For example, I made a principal payment on XX/XX/2020. To date, the amount has been deducted from my checking account but has not posted to my mortgage account. It sits as a credit without resolution. In fact, all subsequent payments have not been posted since. There are no explanations on the website as to delays. When I call in to inquire, the wait time is >60 mins and depending on the agent, one gets different responses. The first time I called in, a ticket was opened and the agent indicated that the problem will be resolved in " 2-3 business days '', without explanation of why it didn't post. When nothing occurred within that time frame, I called again ( waited >60 mins ) and was told by another agent that the resolution time is " 5 days '', again no explanation of why the time frame changed but offered to escalate the situation. The third time I called, the new answer was now " 15 business days '' but strangely indicated that nothing was escalated yet. The pattern is quite apparent.

At this moment, I made payments to my account but no money has reflected on my account as a debt satisfied pursuant to my payment timeline. It feels fraudulent and Bank of America Home Mortgage either does not know that a problem exists ( no notice to the consumer regarding delays ), or knows but purposefully is not fixing the matter in hopes that it gains from the extra interest it can charge from a delay in posting my payments.

I am requesting that the money paid get posted to my account as a payment immediately without further delay and without accruing any additional interest. The payment should be reflected as of the date it was made. It has been three weeks and no notification that the issue is being resolved.

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 2020-10-11 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: FL

Complaint narrative:
I was very upset when checked credit report and found out a few negative accounts. They are fraud and I never opened them before. Please see accounts belong and remove them as soon as you can. 

XXXX opened XX/XX/2017 Acc # XXXX I attached all documents what you need included Identity Theft report. I have been a victim of identity theft fraud. I have no idea of any of these accounts.

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