vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-22 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: CA

Complaint narrative:
This is in regards to a contested charge in the amount of {$440.00} on XX/XX/2020 on my Citi credit card. The payee is XXXX XXXX XXXX. I realized the first week of XXXX that XXXX XXXX XXXX charged my card on file without my authorization for an annual renewal of my gym membership. I reported this charge to Citi and they said that I needed to try to work it out with the merchant first and if unsuccessful they would assist. For two weeks I had dialogue with XXXX XXXX XXXX and they said they would reverse the charge but they never did. I went back to Citi and they said give it a " couple of months '' and then come back to them. In the interim, the COVID pandemic occurred, XXXX XXXX XXXX closed, and they filed for bankruptcy. I demanded that Citi reverse this charge and they agreed to do so finally in XX/XX/2020. A credit was never applied to my card. Monthly follow ups ensued with the consistent response to me that we " will be back to you in 10 days with an update. '' The only " update '' from Citi has been closure of my account and issuance of a new card in XX/XX/2020 as they finally realized that XXXX XXXX XXXX could process another charge at any time. It is now been an additional two and a half months with the same replies of it " will be approximately 10 days. '' It has been 11 months now since this charge that I did not authorize was put on my card. I am kindly asking your assistance in getting this situation to a successful resolution.

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 2021-01-22 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: CA

Complaint narrative:
On XX/XX/XXXX, I picked up a number of different items at XXXX XXXX at XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX ) that I dropped off to be dry cleaned earlier in the week. 

Upon returning home, I discovered that 2 identical pillow covers had been damaged and ruined due to the merchant 's negligence. The pillow cover materials were frayed and there are now black stains on the covers not present at time of dropoff. I also had another pillow case that had the zipper destroyed due to the merchant 's negligence. 
Again, these pillow cases were in EXCELLENT condition at time of drop-off. In fact, 2 of the matching pillow cases were practically brand new ( purchased XX/XX/XXXX ) I returned to the dry cleaner the next day on XX/XX/XXXX to address these issues. 
PLEASE NOTE THAT THIS WAS THE 2nd INCIDENT OF RECEIVING DAMAGED GOODS & SERVICES FROM THIS MERCHANT. THE FIRST INCIDENT OCCURRED IN XX/XX/XXXX. 
The dry cleaner accepted my goods and tendered my payment, yet refused to take ownership or responsibility for the damage he caused. Merchant stated he would repair the damaged pillow, but he did not fix it after I gave him the opportunity to do so. Merchant also refused to refund my money for services and damaged goods, which is unlawful. 

I then filed a dispute with Citi and provided documentation and information to support my claim. Citi ruled in the merchant 's favor, even though my goods were damaged and I did not receive the service I paid for. 

I had another dry cleaner successfully repair the pillow cover with the damaged zipper on XX/XX/XXXX. This cost me an additional {$7.00} out-of-pocket.. 
I still need to replace the 2 damaged pillow covers. I also need to be refunded the amount I paid to clean the damaged pillow covers. 

{$120.00} - Cost of 2 lumbar pillows ( Wayfair ) {$7.00} - Cost to repair zipper ( XXXXXXXX XXXX XXXX : XX/XX/XXXX ) {$16.00} - Refund of dry cleaning damaged covers ( 3 x {$5.00} ) TOTAL : {$140.00} If Citi does not reverse this charge of {$130.00}, I will be filing a Small Claims suit in XXXX County ( XXXX XXXX, CA ) and will be including Citi as a co-defendant, alongside this merchant. I am NOT paying for goods that were damaged due to someone else 's negligence. 

I am disappointed in how Citi handled my dispute. I ask that the person who denied my claim put themselves in my shoes as a consumer. I'd like to know how this was deemed acceptable and why I should be expected to pay for a merchant 's negligence. I tried resolving it with merchant but he refused to take ownership, putting the blame back on me. XXXX XXXX and other cardholders would not treat their customers this way.

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 2021-01-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: AZ

Complaint narrative:
I was switched to Mr Cooper in XXXX without my say. 
They sent me the wrong address to send payment. We got XXXX payment correct and the lost my XXXX payment. XXXX my bank sent a check for XXXX on XXXX XXXX Cooper received it on XX/XX/XXXX. I go a notice on the 14 that payment was pass due. I called Cooper and they called XXXX with me on the line. Sent me and Cooper a copy of the check showing they received it, cashed it and deposited it. Today I got my XXXX bill and the XXXX amount is still on there. I called and talk with customer service and got no where. I asked for supervisor and he said I needed to prove I made payment. Told him I have. He said e mail copy of check to an e mail I asked him to e mail the address. He said no they would not do that. I want it in writing because I know they will never remember whats said on phone. I told them to fix it or I will sue them. He said to do as a I wanted and could not help me. I told him I would see him in court and hung up. I want credit from them for the XXXX payment they missed placed and I want an apology in writing. And I would like compensation for my time to research this and show them its their problem. Is there a way I can go back to my other company. I hate Mr Copper because they are very unorganized. I showed them they have four different address to send a payment. Two payments and two issues? This is not going to be a company I want to do business with

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 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: Atlas Credit Company, Inc.
State: TX

Complaint narrative:
Atlas Credit Company is reporting a derogatory item on my credit file with XXXX, XXXX  and XXXX. This account does not belong to me and I have requested for specific documentation under Section 609, 611 FCRA which requires Atlas Credit Company to provide specific information to me such as copies of authorization to pull my credit, the times and dates of the authorization to pull my credit, copies of any purported contracts or agreements. Although I have requested this information XXXX, XXXX  and XXXX continue to report the derogatory item on my credit report. As of the submission of this complaint Atlas Credit Company has refused to provide the required information under Section 609 FCRA and XXXX, XXXX  and XXXX  continue to report the derogatory item in violation of The Fair Credit Reporting Act. Please find my 4th Notice to ALL parties under Section 609, 611 FCRA.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 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: Receivables Performance Management, LLC
State: CA

Complaint narrative:
Approximately 10 months ago I canceled my contract with XXXX  and waited for them to send me a box to return my equipment. It took several months for them to send the box. In the meantime I got XXXX. I did not realize XXXX was still charging me monthly and I paid for several months. When I finally received the box I sent back the equipment. I then received a notice that XXXX reported me as late to the credit bureau and the account was in collections. I called XXXX and was told they could not find my cancellation but was also told that they saw that I had voluntarily ended the contract. This being reported to my credit bureau has dramatically reduced my score. 

I contacted RPM and explained the situation. I have been speaking with somebody for a week and I was now just told by email that it will take them a month to follow up. This is longer than legally should be and is really harming me because I am in escrow. I am about to buy a home I have saved up money for and it will be in a very safe neighborhood. I am going to be XXXX XXXX XXXX Ive been XXXX  for 18 months that has health conditions and its important for me to get him into a very good school. I just put down a deposit and now this is showing up on all my reports and I will lose this house and likely the $ XXXX for a deposit over a {$170.00} bill that I should never have received.

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 2021-01-22 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: R.M. Galicia, Inc.
State: CA

Complaint narrative:
The medical bill that they are reporting on my credit isnt mine. Ive told them already its not been numerous times and they just threaten me with the debt. This account doesnt belong to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 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:
XXXX XXXX XXXX is reporting a derogatory item on my credit file with XXXX, XXXX  and Transunion. This account does not belong to me and I have requested for specific documentation under Section 609, 611 FCRA which requires XXXX XXXX XXXX to provide specific information to me such as copies of authorization to pull my credit, the times and dates of the authorization to pull my credit, copies of any purported contracts or agreements. Although I have requested this information XXXX, XXXX  and Transunion continue to report the derogatory item on my credit report. As of the submission of this complaint XXXX XXXX XXXX has refused to provide the required information under Section 609 FCRA and XXXX, XXXX  and Transunion continue to report the derogatory item in violation of The Fair Credit Reporting Act. Please find my 4th Notice to ALL parties under Section 609, 611 FCRA.

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 2021-01-22 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:
XXXX XXXX XXXX is reporting a derogatory item on my credit file with XXXX, Equifax and XXXX. This account does not belong to me and I have requested for specific documentation under Section 609, 611 FCRA which requires XXXX XXXX XXXX to provide specific information to me such as copies of authorization to pull my credit, the times and dates of the authorization to pull my credit, copies of any purported contracts or agreements. Although I have requested this information XXXX, Equifax and XXXX  continue to report the derogatory item on my credit report. As of the submission of this complaint XXXX XXXX XXXX has refused to provide the required information under Section 609 FCRA and XXXX, Equifax and XXXX  continue to report the derogatory item in violation of The Fair Credit Reporting Act. Please find my 4th Notice to ALL parties under Section 609, 611 FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Phoenix Financial Services LLC
State: FL

Complaint narrative:
Not real sure what happened when I filed my taxes this year I did a credit report and on that credit report there was ridiculous charges I'll tell you right now all I owe in debt {$1200.00} to XXXX XXXX and maybe a couple of water bills from the past at XXXX  Bill bunch of XXXX but not to XXXX toXXXX XXXX is claimed on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 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: R & B Corporation of Virginia
State: NC

Complaint narrative:
I have and had health insurance which was never billed for payment contacted the vendors they refused to bill sent to the credit bureaus to verify no change. I was XXXX  injured in XXXX  the State of Virginia was the payer of the bill however no effort to remove from my credit.Since getting out in XXXX I have had been forced to live with relatives and friends unable to rent because of the collections totaling over {$8000.00}. show as collections on my credit report. I have called they say its to late and refuse to file however the insurance information has been in their possession the entire time. Because of the Corona virus family members are scared to let you stay, I am XXXX cant work due to the injuries I suffered I have a XXXX XXXX and XXXX XXXX  injuries. I need help please to get this off my credit so that I can qualify for a place to live. 
The creditors are XXXX XXXX XXXX in XXXX Va bills are for {$2700.00} inXXXX {$4000.00} in XXXX XXXX these are hospital XXXX authorized by the state of VA I have XXXX XXXX & XXXX. {$1200.00} Placed in hospital by XXXX  system can provide proof. 

XXXX XXXX XXXX ( doctors ) XXXX VA svc date XX/XX/XXXX {$69.00} svc date XX/XX/XXXX {$180.00} {$34.00} svc date XX/XX/XXXX XXXX XXXX XXXX {$74.00} svc date XX/XX/XXXX {$190.00} svc date XX/XX/XXXX XXXX svc XX/XX/XXXX {$74.00} svc date XX/XX/XXXX XXXX XXXX  XXXX  {$280.00} svc date XX/XX/XXXX XXXX  XXXX  of XXXX XXXX XXXX date XX/XX/XXXX and svc date XX/XX/XXXX {$550.00} XXXX  XXXX XXXX XXXX {$280.00} XXXX I have tried to get the billing office to look at the bills because I have insurance but they refused. I am in a serious way now because the family has been good to me but I need help to prevent me from having to go to a shelter that would be hard for me because right now my health is pretty good other than this XXXX XXXX and the XXXX. I can afford a income based place but noboby will take me because of this credit it is not my fault the bills were not sent for payment timely but I am suffering because of this problem.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 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 — Problem with personal statement of dispute
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY

Complaint narrative:
Back in XXXX, XXXX I was told that after I made my settlement payment of {$1700.00} on XX/XX/XXXX to Toyota Financial Services for my Toyota Motor Corp account that their dispute group will remove this account from my credit report but once they recieved my payment they did not do anything. I called Toyota Financial Services numerous times and wrote numerous letters of explanations, good faith letters begging and pleading to them to please honor what they said and remove this negative account from my credit report because m currently facing financial hardship due to the XXXX Pandemic. I am XXXX Positive Im very sick and I need to downsize and move into an affordable new apartment ASAP, but this negative account charge off is affecting my credit report negatively and is preventing me from getting an apartment approval. I've spoken to different supervisors at Toyota Financial Services and even they sent emails to their dispute department on my behalf informing them of my current hardship due to XXXX and my request to have this account remove. Prior to making my settlement payment I spoke to Toyota Financial Dept. Collection a XXXX XXXX XXXX XXXX managers numerous times regarding my account they was handling Toyota and I was told this account be removed from credit report. I ' very hurt that Toyota Financial and their dispute group refused to help me. It's like once they receive my settlement payment they did not care about what anything else. I feel it's not fair that I have to suffer for 2 long years I struggled to pay my Toyota account due to financial hardship. Now that I finally settled this account with them they refuse to honor their request and remove this negative account from credit report. I reached out to Toyota Corp office pleading for them to help me. I even reach out to all three credit beau 's I did numerous disputes against Toyota Financial but they could only help s little because Toyota denied each dispute. What am I suppose to do now I can not get any apartment approval or credit credit approval or a home loan approval because of this negative account showing on my credit report. Even though I paid Toyota Financial what I could they refuse to show Empathy and help me during my financial hardship due to XXXX. I've been a Toyota Financial Client since XXXX my account was in good standing until I had an unexpected car accident on XX/XX/XXXX that caused me to total my car and my GAP Coverage Insurance did not cover my full total loss balance which caused me to have outstanding dept with Toyota Financial. This issue ( negative account on my credit report is ) is preventing me from moving forward in my life because I can not get an apartment approval and I must move ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am requesting the removal of all credit freeze and fraud alerts from my credit profile so I can conduct business as usual with my company. This credit freeze is preventing me from accessing my information to do business. I am trying to apply for a business phone line with XXXX XXXX XXXX  they can not access my credit file. My full name XXXX XXXX XXXX SS XXXX DOB XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX please see attached documents and ID 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 explanation
Consumer complaint received 2021-01-22 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Minto Financial dba Minto Money
State: OH

Complaint narrative:
Back on XX/XX/XXXX I received a loan for {$370.00}. I was ONLY expected to pay back the {$370.00} and thats it but I am required to pay back $ XXXX? Thats ridiculous! I also noticed that in every other question that minto answers, they always end up saying there was a document stating that you have to pay back the interest within a 10 month installment. I did not receive any document via email stating that I had to pay back that much. I also was not able to log into my account to review any paper work because every time I would, it would say there is ACH activity active, so it would lock me out for weeks until my next payback date. This is a rip off. My last payment date of the {$370.00} should have stopped on XX/XX/XXXX but they are still charging me for THEIR mistakes. I want them to get rid of my information and cancel that account because I shouldnt have to pay back extra money for something that they didnt send me nor allow me to see for myself on my account. I even called a few times before requesting to log into my account and the answers were always the same. Its not fair. I read every single piece of information that was sent out when I received this loan and none of it stated that there was a extremely high interest rate. I am able to view the document now because I am able to log in now, but when I received the loan, I was locked out for months with no information on hand. I want and need them to stop now. They already have the $ XXXX that I owe so I need this to be resolved. This is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: CA

Complaint narrative:
Company infringing on my perfectly healthy credit score, and hasn't Validated nor Verified the " Debt '' This is completely out of the norm ; and I'm highly confused about what is owed and why? Please help me with this issue..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 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 — Was not notified of investigation status or results
Company: Self Financial Inc.
State: MA

Complaint narrative:
I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am requesting the removal of all credit freeze and fraud alerts from my credit profile so I can conduct business as usual with my company. This credit freeze is preventing me from accessing my information to do business. I am trying to apply for a business phone line with XXXX XXXX XXXX they can not access my credit file. My full name XXXX XXXX XXXX SS XXXX DOB XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX please see attached documents and ID Please!!

Company response to consumer: Closed with explanation