vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-24 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: IN

Complaint narrative:
On XX/XX/XXXX I purchased 5 concert tickets for a XXXX XXXX and XXXX XXXX Concert to be held in XX/XX/XXXX for {$1600.00}. This included meeting and greeting the performers and a photo with the performers. Because of the COVID-19 situation and the statewide ban on gatherings such as this, the concert can not happen and did not happen. Further, meeting and greeting a performer is no longer going to be possible at all. I asked the merchant, XXXX for a refund, but they claim that the concert is not cancelled, but postponed indefinitely. If the concert was cancelled, it would be refunded. Their website, as I recall, claimed to have extensive buyer protections. That's obviously false. I have a document from XXXX ( attached ) that seems to state that the concert will happen in XXXX!!!! This is ridiculous. Concerts are essentially illegal right now and rescheduling 3 years into the future is beyond ridiculous. I just want my money back. They did not provide the service I paid for and I need this money returned. I contacted Citi and disputed this charge, but Citi found in favor of the merchant that can not provide me with the services promised.

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 2020-06-24 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: NV

Complaint narrative:
I HAVE ASKED EXPERIAN NOT TO SEND ME A PRE-MADE LETTER STATING THEY VERIFIED THIS BANKRUPTCY WHEN THEY DID NOT SO NOW I AM EXERCISING MY RIGHTS REQUESTING A METHOD OF VERIFICATION/VALIDATION TO THIS INVESTIGATION. I RECENTLY SENT THIS CERTIFIED ONLY TO GET THE SAME PRE-MADE RESPONSE. PLEASE READ THIS REQUEST INTEL AND SEND ALL OF THE INFORMATION THAT I AM REQUESTING FOR THIS METHOD OF VERIFICATION BELOW : RE : METHOD OF VERIFICATION EXPERIAN : I recently received a response to a dispute ( see attached ) that I made under FCRA 611 ( a ) regarding an erroneous item on my credit report involving a transaction with. I was saddened to learn that you somehow verified the disputed item, electing to leave it on my report. 

I am absolutely certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. 

I am very interested to learn how your investigator ( s )  arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation. 

All previous letters and documents that I sent to you previously are once again attached along with this correspondence in order to help you process this request. 

I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. 

I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record.

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 2020-06-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
I called AD Astra today in regards to a XXXX XXXX debt on my credit for {$1100.00}. XXXX w/AD Astra told me that my account was sent to an attorney named XXXX XXXX XXXX on XX/XX/2018. I spoke w/XXXX  at XXXX XXXX XXXX   office and he told me that I was served in XXXX of XX/XX/2018. There's a judgement date of XX/XX/2018 in the amount of {$2500.00}. Had I been served, I would have attended the court date. I was never served at all. I do not have any notices that this account would be sent to a lawyer. I have never been served in my life and the process server is lying. I am asking that this judgement be reversed as there was no proper service and AD Astra needs to remove this from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC
State: ME

Complaint narrative:
Ive been receiving multiple calls from the collections company Transworld Systems Incorporated, I spoke with what Im assuming is my account manager XXXX  todayXX/XX/2020 at XXXX XXXX and advised her I will call her tomorrow with a payment. I then received another call from XXXX  at XXXX XXXX and another call at XXXX XXXX. I should not be receiving anymore calls in the same day, only 2 hours after speaking with someone and advising I will make a payment.

I am called at least 5 times a day and at this point its excessive and seems to be just for annoyance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Riverwalk Financial Corporation
State: NC

Complaint narrative:
DOUBLE ACCOUNTS

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
When I paid my XX/XX/2020 bill, it was short by {$500.00}. Rather than accept the amount and charge me interest on {$500.00}, Bank of America rejected the entire amount and charged me interest on that amount. Then, they waited an entire month to tell me that there was an issue. They didn't include it in my new balance, however, and it was hidden so I missed it for another month because I was sick with XXXX XXXX. When I spoke with them they refuse to do anything and tried to explain that it was just the way they do things. I think this is predatory and they hide the information on purpose so they make millions in fees.

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 2020-06-24 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
Today, XX/XX/XXXX, I want to send this complaint to CHRYSLER CAPITAL. 

This is the account information : Account # XXXX, opene on XX/XX/XXXX, high credit : {$14000.00}. 

I had my automatic payment set up and the account, I had money. Chrysler Capital did not charge the last car payment. Apparently, they did not do it because the amount was lower. They only noticed me on the phone after it was 30 days due. Very unfair that ruined my credit after 7 years being on time to them. You can imagine how this ruined my life, all I am asking is a fair solution to this issue. 

They are also being UNFAIR, committing NEGLIGENCE, not reporting the account as " disputed '' after receiving my dispute notice ( see attached proof ). All these are violations to the California Credit Reporting Act. 

My demand : I want the late payment for XX/XX/XXXX removed from my report. 

Please send the attache documents to Chryslet Capital.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Credit Shop, Incorporated
State: FL

Complaint narrative:
I called Credit Shop on XX/XX/XXXX to make an arrangement for SETTLE CHARGED OFF REVOLVING ACCOUNT and it was not possible, they just wanted a single full payment for the debt, they told me the company don't make any settlement, i request two time for a supervisor and they never come up, the people on the phone were very rude, they answered me gruffly, The company name to search for is CREDIT SHOP , INCORPORATED

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 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: Netspend Corporation
State: ND

Complaint narrative:
I stayed at XXXX XXXX in XXXX and XXXX, ND at least 5 times between XX/XX/2020 and XX/XX/2020. They demand a {$25.00} hold on the account for accidentals, but they are using an algorithm to calculate random amounts at any denomination and holding periods for any duration of time without limit. The first was over {$450.00} and wasn't released for at least a month. The last was a {$25.00} posted charge when I was not present to give them my card after they listed an approx. {$82.00} hold instead of the {$25.00}, 5 days eariler. The bank refuses to allow any dispute process for abuse of pending transactions and demands that you can only dispute charges once they are posted. An authorized approx. {$120.00}, depending on how many times I stayed there, was held at approx. {$1000.00} over 3 months with no legal policy to request to dispute authorization to place permanent seizures of funds in accounts by merely listing them as pending and never either posting them or removing them. After the third incidental hold, {$25.00}, posted to my account totaling incidental fees of over {$130.00}, and I wasn't there to authorize any hold, I tried calling the bank for 4 hours after disputing transactions and they would not allow me access to the account stating that verifying my identity was not authorization to an account and I have to verify the status of transactions under dispute to access the account, every representative pretended to transfer me to another representative or supervisor, one person claimed to be a supervisor and transferred me into the call system instantly, and they refused to close the account because they won't answer the phone or stay on the line.

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 2020-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/2020 the Bank of America closed my checking and saving account. After that on XX/XX/2020 the bank was reopened my account. But they have not sent me my funds back even though I called them many time but they did not give me the answer corrected. They just said wait, wait..

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 2020-06-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I HAVE ASKED XXXX NOT TO SEND ME A PRE-MADE LETTER STATING THEY VERIFIED THIS BANKRUPTCY WHEN THEY DID NOT SO NOW I AM EXERCISING MY RIGHTS REQUESTING A METHOD OF VERIFICATION/VALIDATION TO THIS INVESTIGATION. I RECENTLY SENT THIS CERTIFIED ONLY TO GET THE SAME PRE-MADE RESPONSE. PLEASE READ THIS REQUEST INTEL AND SEND ALL OF THE INFORMATION THAT I AM REQUESTING FOR THIS METHOD OF VERIFICATION BELOW : RE : METHOD OF VERIFICATION XXXX  : I recently received a response to a dispute ( see attached ) that I made under FCRA 611 ( a ) regarding an erroneous item on my credit report involving a transaction with. I was saddened to learn that you somehow verified the disputed item, electing to leave it on my report. 

I am absolutely certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. 

I am very interested to learn how your investigator ( s )  arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation. 

All previous letters and documents that I sent to you previously are once again attached along with this correspondence in order to help you process this request. 

I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. 

I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record.

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 2020-06-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
Apparently something has gone askew as I received an online notification today that my account was past due. You will note my pay record reflects that the account has been paid in full with each billing statement for years. On XX/XX/2020, I made payment of {$130.00} in full with all intention of the payment being processed on XX/XX/2020. However, for reasons that defy my understanding, your system reflected that the full balance due was to be applied on XX/XX/2020. You will note additionally that I customarily pay all credit cards in full on or before payment due date, intending this payment to be the same scenario. The confirmation # XXXX dated XX/XX/2020 reflects a month later which is highly irregular and not at all in context with my payment activity. The statement indicated payment was due on XX/XX/2020, yet I am just getting some notification today that something has gone askew. 
I would appreciate your company doing two things : ( i ) proceed to process the XXXX payment as of the intended date, XX/XX/2020 ; ( ii ) waive the late charge of {$28.00} plus the additional interest of {$3.00}, a total of {$31.00} as well as any future interest charges assessed. 
Frankly, I have never encountered an error such as this one, not with XXXX XXXX XXXX, XXXX or XXXX XXXX where I maintain other credit cards. However, it seems that every time a weird issue arises, especially where some late charge is incorrectly assessed by Synchrony. There have been issues with lack of notification of other actions where Synchrony Bank is involved and I am seriously considering terminating any further credit relationships with your bank.

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 2020-06-24 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: FL

Complaint narrative:
I disputed some in correct information on my credit report. I disputed with Bureau whom verified as account reporting accurately on my report. I sent a follow up letter asking for verification and to ensure proper reporting. This Bureau is not properly following XXXX XXXX and XXXX compliance protocol.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
DEBT IS PAID

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: OR

Complaint narrative:
I have a mortgage with XXXX  XXXX XXXX. I have a XXXX XXXX   and because of covid-19 I have trouble with getting parts and having my workers to work. XXXX has told me I can avoid mortgage payments due to the virus. Now I have received a bill for XXXX . This does not include XXXX 's payment. I can start paying the monthly amount of {$1300.00} on XX/XX/XXXX .The amount owed for missed payments ( as I understood ) would be added to the end of the contract. I need this to happen. Thanks XXXX XXXX email : XXXX. Property Address : XXXX XXXX XXXX XXXX, XXXX, Oregon XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
On XX/XX/XXXX I made a Bank of America, Automated Teller Machine ( A.T.M. ) deposit of three refund checks from XXXX XXXX, two of the three checks were held for fraud on approximately XX/XX/XXXX, the fraud department locked access to my on-line account. 

On XX/XX/XXXX at approximately XXXX I tried gaining access to my locked on-line account at a Bank of America branch located at : XXXX XXXX XXXX , XXXX XXXX , OH XXXX. XXXX called the XXXX XXXX Police Department at approximately XXXX requesting to trespass me from the Bank of America on XXXX XXXX XXXX. in XXXX XXXX, Ohio because I refused to leave until a banking representative was available ( up until XXXX ) to unlock my on-line account. ( XXXX XXXX Police Department, Event Number : XXXX ) I was harassed by XXXX while waiting for a banking services representative to unlock my on-line account and ultimately denied access to the Bank of America on XXXX XXXX XXXX. in XXXX XXXX, Ohio because XXXX a Bank of America Representatives request of law enforcement to issue an unsubstantiated trespass.

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 2020-06-24 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I notified XXXX  and Equifax that I an a victim of identity theft and they said that they verified a fraudulent account. How can a fraudulent activity be verified as not fraudulent, please again see attached police report and ftc report along with my identification

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 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:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In XXXX, I notified Transunion in regards to certain error on my credit report, i.e. bankruptcy discharge updates. Specifically, there are several accounts were included in the bankruptcy, thus the account status should be closed and XXXX balance. The student loan accounts were not included in the bankruptcy, thus it should be open with accurate balance. Transunion made the corrections. However, In late XXXX, the same error occurred again, thus I had to redispute it. Their rep informed me that I must wait until XX/XX/XXXX for the new update. I waited until the XXXX, the same error was still there, and I'm about to lease a new auto. Because of the repeated error, I had to delay my lease and possibly miss the discount offer.

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 2020-06-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Capital one sent me a mail that they closed my account due to inactivity. I have not received any notice that they are closing my account. I have a small credit limit of {$3000.00}. My credit score now has gone from XXXX to XXXX. I called them today XX/XX/2020 to fix the issue but they would not do anything for me. Closing an account without warning at the time of pandemic and social unrest, where people are losing their jobs is not humanitarian. While lot of companies are waiving their fees and extending their payment due times to accommodate for the hardship that has hit our country and the world, Capital one decides to close accounts due to inactivity without giving people a chance to prevent the closure- this significantly impacted my credit score. I was thinking of applying for refinancing of my home now what am I going to do?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
DEBT WAS PAID 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