vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-01 00:00:00
Product: Credit card or prepaid card — Store credit 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: MD

Complaint narrative:
I bought some shoes from XXXX which turned out to be defective. The zipper broke. I contacted XXXX and they sent me a replacement and I just had to send back original pair. 
I decided to send back both pairs with the shipping label provided. 
I received my bill and it still had the item on the bill. So I disputed the amount. A month later, XXXX sent me a letter that they needed further information to resolve the dispute and to call number on the letter. I called the number on the letter, XXXX, and it said they were closed due to Covid. Ive called once a week since the letter was mailed to me in XXXX. I received another letter today that since I did not call to furnish the information needed, the dispute was closed and not in my favor. I just tried calling the number they provided again. And it still says theyre closed due to Covid. 
If thats the case, why would XXXX close my case? Rather than extend the investigation period. Obviously someone is working, and taking adverse, unfair actions not to my benefit. 
As if today, I am yet to receive my refund for the purchase.

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 2020-05-01 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I tried to call Experian 7 times in 7 days and held for one hour and when they answered and then transferred me to a dispute person, i was disconnected each time. 

I would like to have someone call me immediately at XXXX and if I do not answer, I would like for them to leave their name and direct line to call them back.

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 2020-05-01 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: CA

Complaint narrative:
I am in receipt of a current credit report of which questionably suggests that I now or in past have owed you something, yet there is nothing that substantiates your reporting or claim thereof so I demand that you dismiss all claims and eradicate any injurious reporting ( s ) versus me, particularly if currently reported item ( s ) are potentially deficient of the mandatory document evidence of physically verified factual proof of the truth of claim, truth of reporting, accuracy of claim, correctness of reporting, completeness of claim, fullness of reporting, timeliness of claim, timeliness of reporting, ownership or responsibility elsewise of claim, ownership or responsibility else wise of the reporting, and or the complete and perfect certified Metro 2 format reporting standard ( s ). I demand that you display to me your lawful authority to forcibly conduct  business with any contesting consumer much less me! Particularly removed is your right to act in dereliction as you hold me under threat of financial and or creditworthiness injury ( ies ). I here now DEMAND that if you are unwilling or unable to do as requested, as demanded, and as otherwise mandatory to retain or regain compliance of reporting no later than 20 days from your receipt of this lawful notice of consumer complaint that you immediately and forevermore thereafter cease any and all derogatory and or injurious actions versus me, to include but not limited to the foul actions to report and or collect unverified, untrue, invalid, or else wise not certifiably compliant claim ( s ) and or debt ( s ). Let it be in clarity that I am well aware of the FACT that absent legal authority or a written agreement between us that you can not force me to conduct any business interaction ( s ) with you and I will NOT! Certainly if you elect still to injure me, even to the slightest, it undoubtedly would be a show of merciless harassment or even willful extortion, a CRIMINAL OFFENSE in my state of residence! Any such behavior will directly or indirectly lead me to act accordingly, so please rectify your chicanery-laden subterfuge as alleged on my current consumer credit profile history by eradication and or removal from reporting the delinquently reported items

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 2020-05-01 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
My personal information was used without my knowledge and because of several phone calls from creditors that did not belong to me, that prompted me to check my credit. According to XXXX and XXXX XXXX my personal information was exposed in both of their data breaches. XXXX, then confirmed that I was one of the individuals whose data was exposed twice this year alone. To date, I have noticed that there are several inquiries and credit accounts that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC and a police report. The FTC Identity Theft Report number is 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 2020-05-01 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I was XXXX from XXXX to XX/XX/2020 .my purse, with wallet, cards, and cell phone were locked up inside.i live alone with my son.His father and fiance were given access to apt.to solely to retrieve my sons clothing. when I got out of XXXX  my house was broken Into and several items including my purse were stolen I already sent paper work to child support card company and was denied .I did not and could not have done any kind of transaction during the dates I was XXXX XXXX.and no one has permission to use my card .I filed a police report which I sent to them along with my letter of 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 2020-05-01 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: TMX Finance LLC
State: TX

Complaint narrative:
I received a title loan from Title Max in XXXX, Tx. When applying for the loan the branch manager gave false information for my employment, she also never went over any of the paperwork with me. When COVID-19 happened I contacted the loan company to advise them that I would not be able to make my payment due to a cut in my hours. I was never told that the interest on the loan would still accrue. When I spoke with the district manager today he was not very helpful at all even after I explained the whole situation. I now lost my vehicle due to lack of compassion for the COVID-19 pandemic and how it has affected my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: AZ

Complaint narrative:
I refinanced my home on XX/XX/2020. The estimated refund of the escrow account for this payoff of the mortgage was {$1800.00}. I carried this mortgage for five years and all payments were made via ACH and on time. I called the mortgage service company ( Specialized Loan Servicing LLC ( SLS ) on or about XX/XX/20 asking for the status of this refund of the escrow balance. I was told, no the refund could not be made to me by ACH, all such refunds go by check. My check should go out by XX/XX/XXXX or surelyXX/XX/20, at the latest. I called SLS on XX/XX/20 to complain I still had yet to receive this refund. I was told a check was scheduled to go to me XX/XX/20. Why such a delay of over three weeks? If and when I get this mailed payment, my local bank, XXXX, will impose it's own hold on these funds for additional days as this payment clears the bank system. It will be close to 30 days before I see these funds which were " good cash '' on closing, XX/XX/20. 
SLS sent me a letter dated XX/XX/20 with a copy attached notifying me their lien on my property for " released or satisfaction of mortgage '' and that public filing was dated XX/XX/20. Since when do court filings now beat check payments by mail no less? 
Ten days later I still don't have the refund of the {$1800.00} escrow balance. 
Obviously, we all know the value of money and who holds the cash. SLS 's inordinate and criminal holding of these funds should be investigated as an abuse of consumer rights. If I was to be late in a mortgage payment their rules allow they charge consumers a minimum " late '' fee of $ XXXX {$35.00}. Is there no such late fee when the likes of SLS holds my escrow funds for 30 days after the close of a mortgage loan?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC.
State: CO

Complaint narrative:
I subscribed to XXXX through a XXXX offer. I never had any direct dealings with XXXX. I paid for XXXX on my XXXX bill. When I moved, I returned all equipment per their instructions. XXXX first began to harass and bill me for the equipment. I supplied the XXXX tracking numbers which showed that the equipment had been returned and they stopped trying to bill for that. The final amount due to XXXX on the XXXX bill was {$120.00}. I paid that bill in full. In fact, I overpaid and was refunded {$42.00}. XXXX began to harass me for the {$120.00}. I have checked with XXXX  numerous times and was informed that XXXX had been paid, that I correctly paid the final bill, and that I didn't owe anything to XXXX nor should I pay them directly. I also spoke with XXXX and thought it was finally resolved. Then I started receiving collection notices which I initially responded to but they just argued that I was supposed to pay XXXX not XXXX. I had never done that. They filed a collection notice and that impacted my excellent credit report rating. I disputed that claim. It was resolved and removed. Not too long ago, out of the blue, I received a collection notice once again offerring to reduce the {$120.00} to about {$76.00} - I don't remember the exact amount as I threw it away. Today, I received a notice of a collection notice filed on my credit report. It's from AFNI, Inc for the same {$120.00} bill that I have previously been harassed on and that I cleared from my report once already. The last payment in full to XXXX was made on XX/XX/19 which included the {$120.00} for XXXX. This new report has dropped my credit score by 63 points ( and my score was " very good '' with only a few points to go to hit " excellent '' in the 780 's. This has to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
In I believe it was XXXX, I filed a complaint against XXXX  for not knowing who they were. I reviewed their response to this bureau, and they removed their listing on both XXXX  and XXXX, but they failed to remove it on XXXX. 

I got this long response about how the case had gone from here to there, and at the end of the day, they got this case in XXXX after it had been charged off by two companies in XXXX, and it was opened in XXXX. However you look at it, these two bill which were taken off my credit report last fall by the original companies, is over 7 years old, but due to the redaing of the XXXX account. theyd like to keep it on my report longer. 

I had expected to see this company off of my XXXX  report as it was taken off on the other two, and I was surprised to see that they think they can keep it on, but I am not shocked, as this is how they have answered letters previously sent to them with Xmas card like offers, etc. 

I have copied my XXXX  report as it is today. This appears to have been ignored in XXXX, they say they couldnt get a hold off me, and that in XXXX, its still due. 

If the companies have had the original debt drop off for reaching the 7 year mark, so should the collection agency. 

I asked for very specific information from this company in my letter, and it has never been recieved. The information being reported is not correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Fay Servicing, LLC
State: CA

Complaint narrative:
Fay Servicing , LLC will not provide information as to policies and procedures for deferment or forbearance relating to mortgages. 

On XX/XX/2020, fay servicing was contacted so that we could obtain policies and procedures as to deferment/forbearance because of the effect of the covid 19 lockdown. 

we were sent an email with questions as to why we needed the deferment/forbearance. 
the questions were answered and forwarded to 4 representatives of Fay Servicing. 

It has now been three weeks, and we have gotten no information as to deferment or forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I Have contacted CREDIT BUREAUS on numerous occasions to have incorrect or outdated personal information removed, however, they are refusing to remove the information stating that items come back validated even though the information is incorrect.

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 2020-05-01 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CREDIT ACCEPTANCE CORPORATION
State: CT

Complaint narrative:
I opened an account with this firm back in XXXX. I was recently notified that a XXXX was issued on XXXX 15 years after I opened the account and well over seven years after the statue of limitations of 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 2020-05-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Westlake Services, LLC
State: NJ

Complaint narrative:
On XX/XX/XXXX, one day before my payment was due, I called Westlake Financial Services to see what options they had available to consumers due to the Covid-19 Crisis. I was told they had nothing available to help me. However, the representative said I could give them my bank account information and he could then arrange to have it paid automatically on XX/XX/XXXX. As this was my only option, I called back to have it arranged, and was informed that since I didn't make the payment on XX/XX/XXXX, the due date, I would be charged late fees. The lady said I may be able to call back and have them removed later due to Covid 19. 

Although I keep hearing that creditors can help you during this time, and all my other debtors are more than willing to offer help, I have found Westlake to be totally unhelpful. The reps I have spoken to sound like they don't even know about the crisis. 

I am a XXXX  XXXX who is recently unemployed due to the crisis. Since there are 24 million people now filing, my claim for unemployment is backed up. For this reason, I am not certain that I will be able to make this payment right away, and I need Westlake Financial to work with me. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 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: NV

Complaint narrative:
Submitted several requests to have inaccurate hard inquiries from XXXX XXXX XXXX XXXX removed from credit report dated XX/XX/XXXX and XX/XX/XXXX. XXXX  has acknowledged the inquiries are inaccurate and performed their due diligence by removing the inaccurate inquiries per FCRA standards.

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 2020-05-01 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: NY

Complaint narrative:
XXXX is a gym membership that I had set up as a monthly charge on my Discover Card. I also was paying, for a period of time, for a separate membership for my son on the same card. XXXX has always been problematic ; continuously and egregiously raising the fees they were charging, attempting to double charge my account for several months, trying to pass through charges on my son 's membership after it had been canceled, not honoring the terms of a written agreement I had requested from my gym location 's customer service manager, etc I had various forms of communication with Discover Card personnel about my continual problems with XXXX. It seems that they took my side on these disputes and even blocked my credit card account from future charges from XXXX. 

Imagine my surprise when they reposted a {$54.00} charge from XXXX on my account in the latest billing cycle after promising that I wouldn't see any more charges from this vendor. ( They later rebated {$15.00} from that amount ). 

It appears that Discover has decided that even though they have decided in my favor about virtually every dispute that I've had with this vendor, if they allow enough time to elapse, they can try to pass through a charge from a disreputable vendor. 

I don't use the term disreputable vendor lightly ; XXXX was cited by the NY Attorney General  for continuing to charge customers for membership fees during the period that their gyms were closed due to the current pandemic. 

It appears that Discover would rather take the side of a company that is now defending itself in a class action lawsuit as opposed to a loyal card holder who has always paid his obligations on time over many years. ( I've been a Discover Card holder since 2006 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 00:00:00
Product: Student loan — Private student loan
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Oklahoma Student Loan Authority
State: TX

Complaint narrative:
I enrolled at XXXX XXXX XXXX and went through the financial aid department to receive funding to attend their school I started school in late XXXX and it ended up until XX/XX/XXXX I then ended up getting XXXX XXXX XXXX XXXX XXXX XXXX XXXX when I was released I then found that I was in debt on my credit report when I called and asked why I was told that I selected the option that if I stopped going to school return the money to the lender and have me pay for it well I have never been through the whole financial aid process or receiving loans and applying for loans so I wasn't aware of what was going on also I don't understand why I was put at default can I have no idea of it in fact I was incarcerated and had no way of knowing and I was never informed that I was going to be charged the amount of money and that the money that I got the loan for was to be returned to the company if I stop going to school. I don't believe that this is lawful or Fair because I did not have a mutual understanding of the decisions made in the financial aid department of XXXX XXXX. Now I'm interested in going back to finish my XXXX  XXXX certification however my credit report in my student loan history May conflict me being able to do so. Also it is affecting my credit score in a negative manner and I need help disputing this matter. Can you please contact me as soon as possible once again this is a very urgent matter because the matter at hand is holding me back from furthering my career and building my future you can contact me anytime this is my mobile number ( XXXX ) XXXX my name is XXXX XXXX XXXX XXXX XXXX . 
If I happen to miss your call please leave me detailed message and the number I can return your call. Thanks for your time I look forward to hearing back from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
A settlement check was mailed to my former address in XXXX by the company handling the Equifax Refund in XX/XX/XXXX. However, I have moved out of that house ( my sisters ) on XX/XX/XXXX and no one has been living there consistently since then. When my sister visited the place a couple weeks ago and found the letter with the Equifax settlement, she sent it to me. 
I opened the letter and saw that the check was no longer valid since it was written in XXXX. I called the number listed on the check on XX/XX/XXXX to request that a replacement check be sent to my new address. I was told that that is no longer possible since the were not authorized to reissue any checks as of XX/XX/XXXX ( less than 5 months after the checks were mailed!! ). 

I think that is unfair. I realize that its not a million dollar check but how many people like me had their settlement checks mailed to the wrong address and now " someone's '' bank account is a little fatter because of this " oversight ''?

Company response to consumer: Closed with explanation