vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
I have multiple XXXX unauthorized charges on my Citibank Debit card. I calle dand opened the dispute and received affidavits to fill out. I filled them out and then started getting additional letters stating they did not receive the information requested, when in fact I did send everything back. I called two times and spoke with Supervisors stating they would take care of the miscommunication. I explained I don't have any additional information to provide. You can only dispute a charge with XXXX through online forms that require trip details plus my debit information including expiration date. I don't have detail to provide because I didn't take the trips, which is where my dilemma. Citibank keeps closing my dispute and sending me the same letters I've called in about and spoken wit Supervisors about stating I didn't provide info. I'm in an endless loop of letters. I want Citibank to investigate the disputes. The info I've provided is all I have. I have nothing else to provide. Can someone truly investigate these charges fully. I did not take these trips and don't want to be penalized for XXXX sharing my debit card info.

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 2018-02-19 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I carry a Chase Freedom Unlimited credit card and I noticed two suspicious charges to the same merchant in XX/XX/XXXX which I promptly disputed with Chase. The merchant name is XXXX XXXX XXXX XXXX ( in XXXX Oklahoma ). The transactions were {$6100.00} on XX/XX/XXXX and {$570.00} on XX/XX/XXXX. I recently received a letter from Chase dated XX/XX/XXXX ( yes, two months after the dispute ) that these charges were reinstated to my account with the reason being " You received benefit from this transaction. '' I have not attempted to contact the merchant to resolve b/c I presumed Chase would perform their due diligence under the cardholder agreement and properly resolve the dispute, but that has not been the case. I haven't been to Oklahoma in a quarter of a century, nor have I browsed this merchant 's website or submitted an order by phone, and I certainly have not received any merchandise from them. I have been a Chase customer for 16 years and have been faithful and honest in all my transactions and it is very upsetting that they would not at least contact me during their so called investigation of the dispute to discuss the transactions. I submitted a simple one page form on XX/XX/XXXX providing Chase a brief description of the dispute but heard nothing from them subsequent to that form being emailed to them. There's no doubt that these charges are fraudulent and I'm at my wits end with getting them resolved through Chase, who should be primarily responsible for protecting the account. Chase has not provided any evidence supporting their decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC
State: FL

Complaint narrative:
This was part of covered medical expense. I was not aware any balance was due, nor was able to confirm the amount shown in collections is even valid. I was informed by XXXX XXXX the balance was XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-19 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: ERC
State: MD

Complaint narrative:
Enhanced Recovery Co has been reporting a collection on my credit report for a XXXX account. I asked for validation and information as I do not have a XXXX account. They sent a XXXX bill with the same name as mine, but at an address I don't live at. I asked for them to please clarify to which I never received a response however they did update my credit report to show a balance due of {$160000.00}! I was denied credit twice during that time period due to their negligence. I reached out to them again demanding deletion and have certified tracking showing the letter was received by ERC. They have not responded, but changed the amount reporting to the credit bureaus again since. There are multiple clear violations to my FCRA rights.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
greetings, I have been trying for the past year to get these credit reporting companies to remove inquiries that are being reported on my credit file due to fraud and they still have not done anything about it at all. I am a XXXX percent XXXX veteran that was living out of the country and yet they was items reporting on my credit profile. I don't need a car and yet they are tons of inquiries about vehicle purchases, loans etc. I don't have the luxury like others to pay a repair company to fix my credit especially when it is not my fault. 
I know that they are doing a business and that they are hurting individuals badly, with that being said my credit score has suffered drastically because of the wrong report on my profile and now I can not even get a VA loan to help my family and put a roof over their head. 
They are still reporting accounts that have been closed and that was fraudulent for years, i need help on suiing them because that is the only way they will listen and do their job nd remove these items from my credit profile asap.

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 2018-02-19 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
Received a notice on my credit report that a collection from Commonwealth financial systems was added to my account stating that I owed {$80.00} on an account. I had not received anything in the mail or spoken to anyone about this collection. I called the debt collector and spoke with XXXX XXXX and asked for Validity of the account. The representative stated he will be glad to send it to me. I received the information in the mail, with the letter being dated for XX/XX/XXXX, it did not show validity of the account only stating what I owed. From my research this company is not bonded to collect in the state of Texas. I pursued on XX/XX/XXXX to contact XXXX on this matter. I asked for the Bond number but XXXX stated that he did not have to give me that information, that it had nothing to do with me. He continuously repeated that they are bonded in the state of Texas and that is why they are contacting me but still refused to give me the information that I asked. I even asked if it could be under a different name, he said that this matter did not concern me and told me to have a nice day. From my research Commonwealth Financial Systems is not bonded in the state of Texas.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
This is for my XXXX XXXX XXXX ending in # XXXX. 

In order to business with XXXX factories from the USA ... the only payment method is Credit Card I had a {$4000.00} balance on my cc with a $ XXXX line of credit. 

I borrowed approx. {$2500.00} as a cash advance from XXXX. The next day I paid back {$5000.00} in cash to XXXX ... double what I borrowed. 

The cc company applied the $ XXXX I sent in to pay back my other cc balance, paid less than half of the cash advance balance ... and charged me ( and are still charging me ) the huge interest rate for the cash advance ... even though I paid back actually more than twice what I borrowed. 

This is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
On XX/XX/XXXX an employee of the Bank of America XXXX XXXX XXXX sent an international wire to XXXX XXXX without first negotiating the correct bank and its destination. The Funds Transfer Request Authorization transaction form records that funds of XXXX dollars were sent mistakenly to XXXX , an " additional '' or intermediary bank. THE final destination, a building society XXXX, however, was not written into the transaction at all. XXXX only uses XXXX as a clearinghouse for large automated tasks. The employee ignored the absolute necessity of listing two banks. Rather, he omitted XXXX, and gave the name and account number directly allocated to XXXX and its enormous headquarters in XXXX. This account number and name would only have legitimacy or meaning at XXXX XXXX XXXX, and not at XXXX XXXX main headquarters. On XX/XX/XXXX, after our trip, we studied the form and agreed to cancel the transaction using the Bank of America collect call overseas number on our FTRA form. We called again on XX/XX/XXXX and XX/XX/XXXX, but the transaction had not been cancelled because of their completely new requirement for XXXX to respond to their faulty wire transaction. We needed to explain repeatedly that we do not have an account at XXXX, and insisted that the error be corrected and our funds returned. On XX/XX/XXXX we have yet to ascertain the situation, although our funds have been " floating '' or " on hold '' now for 19 days because of the seriousness of the bank error. To prove our affiliation we have a checking account, checks, debit card and credit card with the correct XXXX account number ; XXXX is simply not able to recognise this transaction.

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 2018-02-19 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: FL

Complaint narrative:
greetings, I have been trying for the past year to get these credit reporting companies to remove inquiries that are being reported on my credit file due to fraud and they still have not done anything about it at all. I am a XXXX percent XXXX veteran that was living out of the country and yet they was items reporting on my credit profile. I don't need a car and yet they are tons of inquiries about vehicle purchases, loans etc. I don't have the luxury like others to pay a repair company to fix my credit especially when it is not my fault. 
I know that they are doing a business and that they are hurting individuals badly, with that being said my credit score has suffered drastically because of the wrong report on my profile and now I can not even get a VA loan to help my family and put a roof over their head. 
They are still reporting accounts that have been closed and that was fraudulent for years, i need help on suiing them because that is the only way they will listen and do their job nd remove these items from my credit profile asap.

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 2018-02-19 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: FL

Complaint narrative:
greetings, I have been trying for the past year to get these credit reporting companies to remove inquiries that are being reported on my credit file due to fraud and they still have not done anything about it at all. I am a XXXX percent XXXX veteran that was living out of the country and yet they was items reporting on my credit profile. I don't need a car and yet they are tons of inquiries about vehicle purchases, loans etc. I don't have the luxury like others to pay a repair company to fix my credit especially when it is not my fault. 
I know that they are doing a business and that they are hurting individuals badly, with that being said my credit score has suffered drastically because of the wrong report on my profile and now I can not even get a VA loan to help my family and put a roof over their head. 
They are still reporting accounts that have been closed and that was fraudulent for years, i need help on suiing them because that is the only way they will listen and do their job nd remove these items from my credit profile asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: IA

Complaint narrative:
On XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX- I mailed letters to XXXX XXXX requesting debt validation. Each time I was sent a copy of a bill from XXXX. I requested proof that i was the party to pay this debt, and requested proof that there is some contractual obligation binding me to pay, or something that bears my signature. I stated in the letter dated for XX/XX/XXXX and XX/XX/XXXX, that this was not a request for verification but a request for validation. 

I requested the following items : -agreement with the client that grants you the authority to collect on this alleged debt -agreement that bears the signature of the alleged debtor where he/she agreed to pay the creditor -date alleged debt became payable -date of original charge-off or deliquency -verification that debt was assigned or sold to the collector XXXX XXXX has failed on 3 different occasions to provide me with this information. 

Under the FDCPA, I have the right to debt validation. It is the debt collector responsibility to prove the account is really my responsibility and that the balance is accurate. In addition, the collection agency must also prove thaey have the legal right to collect this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
XXXX XXXX  filed sue on XX/XX/XXXX spoke with them on Friday XX/XX/XXXX, advising that correspondence needs to be resent. I havent received latest correspondence with offers. The law firm handeling the amount quoted a different amount of 900 plus which was not same amount in sue. Im currently waiting on sheriff to serve papers.i spoke to someone today XXXX to claiming to be consumer employee stated my account originally opened in XXXX XXXX purchased it my originally agreement was with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL

Complaint narrative:
My escrow payment is {$100.00} and my principal and interest payment is {$110.00} which is equal to {$210.00} this is my payment should be. The rushmore company is charging me {$270.00} which is {$55.00} more. Please have them correct the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc.
State: FL

Complaint narrative:
XX/XX/XXXX - We received our annual notice on how to cancel PMI and the requirements to cancel PMI, which states we need a LTV ratio of 80 %. Document states " or according to your contract ''. 
XX/XX/XXXX - Called to verify the requirements to cancel according to OUR contract. 
We requested the forms needed to cancel PMI because we believed we qualified for the cancellation, or if we did not, we would qualify within 6 months ( one of the requirements within their notice ) XX/XX/XXXX - The mortgage company mailed our packet for PMI cancelation which again included the requirements to cancel PMI. ( note : no where on this form does it say " or according to your contract ''. ) XX/XX/XXXX - I again called the mortgage company to verify these were the requirements for MY mortgage as well as verify the calculations for loan to value ratio. ( I was told to take the remaining loan principle and add 20 %, my appraised value needed to be higher. Even when I asked explicitly, " are you sure I do not take the appraised value and subtract 20 %, and my principle needs to be lower? '' I was assured by the person taking my call, XXXX XXXX, and her supervisor, XXXX XXXX, that I was incorrect. 
XX/XX/XXXX - With the assurance of the letter and phone calls, we sent our check for {$350.00} to get our house appraised to have the PMI removed. 
XX/XX/XXXX - Mortgage company sent a letter of receiving our check. 
XX/XX/XXXX - Appraisal was completed. 
XX/XX/XXXX - Mortgage company sent letter denying our request. 
XX/XX/XXXX - Mortgage company added a note to our file that our contract states that we must be at 75 % XXXX under 5 years ( we were 7 months shy of our 5 years ). 
XXXX, XXXX - After receiving our denial of PMI cancelation, I called and talked with XXXX XXXX, who confirmed the actions on XX/XX/XXXX. 
XX/XX/XXXX, XXXX I faxed a letter to the mortgage company with all of the above actions outlined on the letter. 
XX/XX/XXXX - the mortgage company sent a letter stating " we apologize for any misinformation you may have received from our Representatives '' and continued to tell us the " new '' information of 75 % LTV ratio. 
XX/XX/XXXX - Received my annual notice concerning PMI and the requirements to remove PMI. AGAIN, the letter states my LTV must be 80 % or less. 
XX/XX/XXXX - meet with a Lawyer about actions we should take. Suggested giving the mortgage company one more chance by submitting a complaint here.

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 2018-02-19 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am reaching out regarding predatory practices on behalf of the company XXXX XXXX that seek to damage my credit. With the exemption of XXXX in which account XXXX XXXX # XXXX is removed, this said account has been charged off and closed. Additionally, XXXX and Experian report this account as closed in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The lender ( XXXX XXXX ) is attempting to ILLEGALLY re-age a closed, charged off account. According to the FCRA, the beginning, first date of delinquency can not be changed once an account is charged off. Once a charged off account reaches 7 years, then the credit bureaus must purge the account from your credit history. XXXX XXXX has ILLEGALLY re-opened the account in an attempt to reset the 7 year clock. It is illegal for a creditor to change the purge from date on a negative account by reopening the account so that it remains on the consumer credit report. 

In light of the lack ethical practices on behalf of XXXX XXXX, incorrect payment history, incorrect account status, I am requesting that this account is REMOVED from my credit reports immediately. I have disputed this account several times and both XXXX and Experian have failed to adequately investigate my dispute after verifying these accounts which I know are inaccurate. The lender is attempting to illegally re-age the account. Consumers have the right to be protected from unfair credit practices ; hence I am requesting reparations by the account being removed. Please remove as soon as possible to avoid further damage to my credit and my reputation with creditors. Thank you again for your time. 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 2018-02-19 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: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
I called both companies to let them know I was not the one inquiring about airline credit cards and needed it disputed. I was let known I was not in their system and they could do nothing to help even though it was on my credit.

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 2018-02-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: AL

Complaint narrative:
I am uploading my tax information regarding the loan. 

The interest rate stated is 6.8 %. I still owe about {$3200.00} total. Somehow, they were able to extract {$810.00} in interest payments over the last year. The only way they could do that is if they were still charging me interest on the full loan amount as if I never made any payments ( originally about {$8000.00} XXXX. I do not think they are subtracting what I've paid from the loan amount before applying interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Bureau of the Hudson Valley, Inc.
State: NY

Complaint narrative:
I have been in direct contact with the company that the services were provided with. payments has been made account balance is XXXX however the account is moving from creditor to creditor without verifying the information .... 

most recent creditor never contacted this writer in reference to the account however their name is under creditor on my credit report

Company response to consumer: Closed with non-monetary relief