vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-12 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: FL

Complaint narrative:
On XX/XX/2017 I purchased the rental of a car in XXXX through XXXX, a popular rental website. The total amount for the rental was {$75.00} USD for the dates of XX/XX/XXXX to XX/XX/XXXX. After my return to US I noticed a charge on my Citi Double Cash credit card with the date of XX/XX/XXXX for a total amount of {$530.00}. I presented a dispute for the charge, and after a few days I was informed that the merchant presented evidence of my acceptance of the mentioned charge. The document presented by the merchant ( supposedly signed by me ) was partially in XXXX, blurry, with values in XXXX XXXX, and extremely unreadable. However, Citi Bank decided to rule in favor of the Merchant, XXXX XXXX XXXX   XXXX. After contacting Citi multiple times via XXXX and phone they still insist that there's nothing they can do, even when the evidence is overwhelming on my favor.

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 2018-03-12 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: TX

Complaint narrative:
I have sent multiple letters to the CRA and the Collection Agency for Validation of this Account that is being reported to the CRA on my credit report. Neither the credit bureau nor the Debt collection agency has made any attempt to send the legal Account validation or any correspondence regarding this account it has been over 30+ days since I have reached out to both and neither have sent anything responding with my contract in writing with the Debt collector. If I can not get any feedback by posting this complaint with the CRA or the debt collection agency I will be seeking legal action to have this matter taken care of.

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 2018-03-12 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: Convergent Resources, Inc.
State: TX

Complaint narrative:
I have sent multiple letters to the CRA and the Collection Agency for Validation of this Account that is being reported to the CRA on my credit report. Neither the credit bureau nor the Debt collection agency has made any attempt to send the legal Account validation or any correspondence regarding this account it has been over 30+ days since I have reached out to both and neither have sent anything responding with my contract in writing with the Debt collector. If I can not get any feedback by posting this complaint with the CRA or the debt collection agency I will be seeking legal action to have this matter taken care of.

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 2018-03-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: SUNTRUST BANKS, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX I went XXXX XXXX and applied online. I look it XXXX XXXX and tried send Credit Union and you could not send it XX/XX/XXXX at XXXX XXXX. So Saturday, XX/XX/XXXX I tried it again and I could not again. So I want too XXXX XXXX XX/XX/XXXX XXXX XXXX, Account Credit Union XXXX, XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) XXXX, Tx XXXX and Social Security number XXXX. I apply XXXX XXXX XXXX {$19000.00} and gave them $ XXXX {$14000.00} total. I apply of 3, so I took XXXX XXXX   Account # XXXX, Sun Trust Bank. It took them 2 hour and not able approve XXXX, Tx. Credit went down XXXX XXXX and 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 2018-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: JPL Recovery Solutions
State: AZ

Complaint narrative:
JPL recovery solutions keeps calling me and several of my family members harassing them about my whereabouts. Theyve claimed that I used each family member theyve called as a reference which is untrue. Ive gotten 2-4 calls a day. This has been going on since XX/XX/2018.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: FL

Complaint narrative:
Hello, I received a phone call on Friday XX/XX/XXXX from a lady named XXXX XXXX she told me she was working with a collection company for US Bank and I needed to call this number in order to fix my situation or they were going to freeze my assets and get a hold of my HR at my job. The number she wanted me to call is XXXX XXXX XXXX. This lady stated in my voicemail that I still have by the way, to clear my checking account problem soon and it's from XX/XX/XXXX. I didn't receive my voicemail until Saturday morning XX/XX/XXXX at that time I called the number she left on my voicemail I reached a guy named XXXX XXXX from phone number XXXX XXXX at extension XXXX. Then he proceeded to tell me we were being recorded as we were talking and he can use this for court purposes he told me I need to clear up this matter that I had US Bank and I supposedly wrote a check for {$24.00} and it went into overdraft and he stated they forced closed my checking account in XX/XX/XXXX mind you XXXX XXXX told me it was from XX/XX/XXXX. Me being scammed and a victim of identity theft I also have the XXXX XXXX monitoring my credit because I.work for the XXXX XXXX. I checked into this to find out it was a scam and l was to go report this. They were asking me for {$2700.00} I told him I was not paying anything until I found out if this was legit he advised me to call back as soon as possible to fix this matter or my assets will be froze! I also told him I had my account at US Bank till XX/XX/XXXX that he was a lier!!!! I did not give him any personal info! I'm so sick and tired of these scammers trying to rip off hard working people! Please find them and prosecute them. I'm also looking into an attorney to sue them. 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 2018-03-12 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: NY

Complaint narrative:
Please remove the following unauthorized inquiries from my Equifax credit report : 1.XXXX XX/XX/XXXX 2.XXXX XXXX XXXX  XX/XX/XXXX 3.XXXX XX/XX/XXXX 4.XXXX XXXX XXXX XXXX XX/XX/XXXX 5.XXXX XXXX  XX/XX/XXXX 6.XXXX XXXX XX/XX/XXXX 7.XXXX XXXX XXXX XXXX XX/XX/XXXX 8.XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: DISCOVER BANK
State: NC

Complaint narrative:
During the past few months, I have called Discover Corporate Office and requested return calls. Unfortunately, to this very day, no one has returned my calls. Today, Monday, XX/XX/2018, I spoke with several account managers or Dispute Billing Representatives and requested to speak with a supervisor or Corporate and I was advised that all lines were busy. The first person I spoke with on today, was unprofessional and I was requesting that the call be pulled for today, XX/XX/2018, about XXXX XXXX DEST. Representatives so not like being identified as they do not want to give the first initial of their last name and they do not have reference numbers for the calls or the representatives.

It appears that representatives have been unprofessional and Corporate does not wish to address this with me. Also, I have a dispute which the initial recording states, " your dispute is complete '' however when I speak with a representative that recording is not true as Discover is still waiting for a response from the merchant. This recording appears to be very contrary to the truth. The dispute is not complete and the recording should indicate that. I had wanted to know the status and why the recording stated the " dispute was complete and I would receive a response within 10 days '' when the representatives

states that they are actually waiting for a response from the merchant. Lastly, I have repeated left my name and number and yet no one from Discover Corporate Office has bothered to adhere to the account managers ' notation. This appears to be a poorly ran company or either staff chooses who they wish to call back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
on around XX/XX/2018 I received a call at work from bank of america telling me that someone wired money out of my credit card into a checking account in my name. I told them it wasn't me and I don't have a checking account with bank of america.the amount was approximately 2,400 dollars. well they did their so called investigation and denied it. next I sent them all the information I had. I included cards from the credit agencies proving I put a watch on my accounts. I sent them a letter from the IRS because I had contacted them in regards to someone filing for my income tax refund. The letter said they found no fraudulent activity. I sent them a letter from the post office stating that at the same time someone was trying to change my address to a place in Illinois and I reside in Pennsylvania. I gave them the address the Post Office gave me that they were trying to change my address to. i filed a police report, told them the officer I talked to and the incident report number.I faxed all of this stuff to them and today I got it looks like the same form letter denying the claim its like they never even looked at the stuff.I understand they don't like people like me that pay off there credit card bills every month. I have this card for 15 years me and my wife do.they left someone open a checking account in my name and they are blaming me. please help they are not interested in the truth.

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 2018-03-12 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: TN

Complaint narrative:
My sister 's date of birth is listed on my credit report as my date of birth. Whatever accounts she opens automatically goes to my account and not my sisters. I have tried to correct this with the accounting agencies to no avail. My sister birthday is listed as mine. 

My sister bought a house but it says that I have the house. I have repeatedly told them this is wrong. I haven't gotten letters from hospitals etc. That my account has been breached. It was supposed to put a security alert on it and it did not. Her accounts affect my credit score.

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 2018-03-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BARCLAYS BANK DELAWARE
State: DE

Complaint narrative:
In XX/XX/XXXX I saw fraudulent charges on my XXXX card, I reported it and requested refunds of over payments take from my auto pay checking account, after one month I heard nothing back from them so I had to call them back and they did not even started the claim, I had to go over the whole phone process again with them in XX/XX/XXXX, in XX/XX/XXXX they said the fixed the problem and the - XXXX credit will be returned to me. up to now XX/XX/2018 they have not returned the credit to me. I have sent the request by mail I have called them and they do not respond

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 2018-03-12 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: Credit Karma, LLC
State: TX

Complaint narrative:
Saturday XX/XX/XXXX I checked my credit score in the morning on credit karma and it was XXXX, the same day in the afternoon my credit score went down 57 point with no reason

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I was behind in my mortgage with Citibank at the end of XXXX due to temporary loss of income, I talked to them about a loan modification and they put me in a plan. I offered to make partial payments and they asked me not to, that they wouldn't take it. 

The waiting period was for many months, in the meantime they put me in foreclosure proceedings, while they were waiting for the underwriter to make a decision on my modification. At all times they told me to do not worry, that the foreclosure was normal while this process is in the works. 

Eventually in XX/XX/XXXX they modified my loan and ended my foreclosure proceedings. 
I was elated. A few months after they sold my mortgage to XXXX XXXX. 
Since then I've been able to keep my mortgage in good standards. 
Fast forward to XX/XX/XXXX, I am trying to refinance my mortgage with XXXX XXXX, they have been very helpful, I fully qualify for it, but they explained to me that they can not refinance until 3 years after my foreclosure proceedings, and they informed that my loan modification with Citi was for 37 years instead of 30. 
I know Citigroup had other ways to modify my loan and still make a profit, but they chose to do it putting me in foreclosure proceedings and extend grossly the term of my loan to maximize their gains. 
I find this actions despicable. Now I am not able to refinance as soon as I need to, and I was lured to a loan that was not clearly explained to 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 2018-03-12 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL

Complaint narrative:
On XX/XX/XXXX, NMAC has sent me the attached written letter in which they responded to my CFPB complaint ( case # XXXX ). Within my response to this NMAC letter, please be advised that the 2 aforementioned credit inquiries ( dates : XX/XX/XXXX and XX/XX/XXXX ) that are currently reporting within my name are fraudulent. Also, and as per the request of this NMAC letter, I have attached the following documents for further investigation by NMAC : ( 1 ) Federal Trade Commission ID Theft Affidavit and ( 2 ) Identity Theft Police Report. NOTE : NMAC ( Nissan Motor Acceptance Corporation ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I reached out to Experian about some errors on my credit report as of XX/XX/2018. this is now my third time contacting them. I have still yet got anything back from Experian showing how they validated the items. Their last statement to me is they aren't going to investigate the items listed below.

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 2018-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
We have tried to contact Experian numerous times to cancel. They claim that you can cancel at any time and when you call in the wait time is 2-4 hours. In the meantime, we keep getting charged XXXX for both me and my wife! Help us please!

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 2018-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Markoff Law LLC
State: IL

Complaint narrative:
I recently sent a letter to Department of Revenue regarding me not receiving my state taxes. I submitted documentation stating I do not own any monies to Department of Revenue an I want my state tax return to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
The company i

s Equifax Credit Bureau. Contacted twice. This is the only Credit Bureau reporting this as a negative in my credit. They indicate three negative items on my Credit Bureau report causing a reduced Credit Score. The item in question is : *You have not established a long revolving and/or open-ended account credit history. ( description -- you have not established a long revolving and/or open account credit history -- Your first revolving and/or open-ended account was opened 15 yrs, 10 months ago. ( in your case the age of your oldest revolving and/or open-ended account and /or average age of your revolving credit is relatively " low ''. 15 yrs, 10 months is relatively low? No other Credit Bureau has this listed on my credit bureau as a negative.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12 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:
Saturday XX/XX/XXXX I checked my credit score in the morning on XXXX XXXX  and it was XXXX, the same day in the afternoon my credit score went down 57 point with no reason

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 2018-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Saturday XX/XX/XXXX I checked my credit score in the morning on XXXX  XXXX and it was XXXX, the same day in the afternoon my credit score went down 57 point with no reason

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NJ

Complaint narrative:
I went in for my fourth lease over the last 9 years or so. I was told I was a tier one leasee and that I didnt need my credit run due to my long history of positive on time payments with Nissan over the last nine years. I have discovered that they ran my credit twice on XX/XX/17 without my authorization - causing my credit report to have two hard inquiries, which cause my report to drop from a perfect XXXX to a XXXX. I need this fixed as Im trying to buy a home and my mortgage is dependent on this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12 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: TX

Complaint narrative:
on Saturday XX/XX/XXXX I checked my credit score on XXXX XXXX in the morning and it was XXXX, the same day in the afternoon my score drooped 57 with no reason

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 2018-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo Bank has been charging our company, XXXX XXXX XXXX dollar overdraft fees. Our company operates on 30 day terms with our clients and many don't pay on time. Our XXXX XXXX   struggles to keep sufficient funds in our accounts and the over draft fees are absurd. A {$35.00} fee is too much to bare. In 2009, commercial banks made XXXX XXXX dollars on overdraft fees alone. They continue to. Far from protecting their interests if account holders default, they are making a huge surplus off the errors of their clients. I suspect these subsequent years have shown an increase in annual overdraft fees collected.

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