vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-25 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: CITIBANK, N.A.
State: SC

Complaint narrative:
I received a notification from The Home Depot that my credit line had decreased from {$4000.00} down to {$500.00} due to a review of my account. During the review process, there were two inaccurate late payments posted to my credit report by XXXX XXXX for the months of XXXX and XXXX. Since then, I've had had several conversations with the credit services department to use the same process in reviewing my account again to see that these items are no longer posting late and that my credit rating had been restored. However, the only two unfair and unrealistic options are to print and mail them over 100 documents from XXXX credit report where the payments were updated, the previous report with the errors on it ( another 80 pages ), and the supporting documents that outline that the error was corrected with XXXX. The second unfair and unrealistic option is to take another hard hit inquiry to my credit report. This happened while in the middle of home improvements and Home Depot/Citi Bank has not been willing to resolve this matter in a manner that is fair to the customer.

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 2020-06-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Student Debt USA, LLC
State: VA

Complaint narrative:
Student Debt USA stated they could help me get my defaulted student loans out of defaut and into rehabilitation process, they are scammers and lied. I informed them I wanted to enter the PSL program as a XXXX XXXX  XXXX. I sent them over tax returns, W2s/Utility bills/ medical bills and more. I made several qualifying payments & was told to wait for the collection agency to turn my defaulted loans over to them. After several emails, they stated my loans were now back w/DOE, they lied. I contacted the Dept Of Education and they stated they never recieved any correspondence from Student Debt USA. My Debt Collector, XXXX XXXX XXXX XXXX stated they never recieved anything as well. The company placed their information email & contact number under my profile on the eddebt website. This was very frustrating as during this time my mom was battling XXXX XXXX and needed care. After recieveing all my personal information and payments they just simply dissapeared into the wind. They appear to be scammers and should be shut down immeditaley. They false advertise and have no intention of honoring their business practise as stated on their still avaibale website. In this day and age in America this is terrible that companies are allowed to continue operating on vulnerable people student loan holders and take advantage of people who have sometimes no hope.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
The response from chase on complaint XXXX is incorrect. 
They show changes to the accounts in XXXX and XXXX, The address changes on my accounts that show XXXX XXXX Washington where not valid at that time. The addresses that they show have only been valid for approximately 1 year.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 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: CA

Complaint narrative:
Hello My name is XXXX XXXX XXXX I am a new immigrant to the united states of America and Im coming to you for help on the below situation. I spoke to Equifax on XX/XX/XXXX latest and earliest XX/XX/XXXX and inquire about removing unauthorized inquiries in my credit report. I have filed an FTC report reporting identify thief, and also a police report. Equifax has not been able to fix my problem and I'm trying to stay positive to provide for my family during the covid19 crisis and this is not making it any better, as we are in the process of  buying a home and these unauthorized inquiries are keeping us from that. Please see the below and remove all of them. 


XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX   Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX   XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX ( I Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XXXX XXXX XXXX ( XXXX ) Account Holder DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Regulation Z gives borrowers the right to cancel certain credit transactions, including a lien on a borrowers dwelling, to regulate some credit card practices, and to provide consumers with access to fair and timely credit billing disputes. 

Regulation Z is enforced by the U.S. Federal Reserve Board and  the Consumer Financial Protection Bureau. However, the Dodd-Frank Wall Street Reform and the Consumer Protection Act of  XXXX transferred most responsibility to the CFPB. 

My Auntie passed away XX/XX/XXXX. Several fraudulent purchases where made while she was on her death bed and other purchases where made after she died .My Aunt XXXX never abused or maxed out her credit cards. XXXX never gave consent for anyone to use her credit cards. She never authorized any authorized signers on any of her accounts. I want all these fraudulent credit card purchases to be carefully reviewed, and i want all charges cancelled due to fraud. My aunts spending patterns where simple. She always paid in full, never left a balance and hardly never used her credit cards. Why weren't these unusual spending patterns noticed? Its negligence on the creditor part for not noticing unusual patterns, large purchases a. I am the Personal Representative of her Estate, and I want to make sure all of her affairs are in order. 

RE : XXXX, XXXX XXXX Local Case Number : XXXX Filing Date : XX/XX/XXXX State Case Number : XXXX Judicial Section : XXXX Consolidated Case No. : N/A Case Type : ADMINISTRATION My name is XXXX XXXX DOB XX/XX/XXXX I'm the Personal Representative of the Estate of XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: OneMain Finance Corporation
State: KY

Complaint narrative:
was being charged fees for something that i already paid for tired to work it out was told nothing they could do feel behind on payment because of this and still they did not want to work with me. i belive this company in violation of the loan regulation and statutes law.and demand investgation

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Ive been a Citibank card holder since XXXX, CITI BANK recently reduced my credit limit by {$10000.00} specifically on XX/XX/XXXX without notice my credit limit was reduced by almost {$11000.00}. 
CITI BANK encouraged me to take to balance transfer loans the first in XX/XX/XXXX in the amount of {$11000.00} and the second in XX/XX/XXXX In the amount of {$9800.00} both of these will become due at a very high interest rate in XX/XX/XXXX and XX/XX/XXXX respectively. 

I believe CITI BANK reduced my credit limit by over {$10000.00} in an effort to have me pay them back for these two balance transfer loans at an extremely high interest-rate which I will not be able to even come close to making the payments. 
CITI BANK knowingly destroyed my credit rating and reduced my ability to borrow in this effort to obtain Debt at interest rates probably in excessive 28 % I have tried to refinance my home of which I have approximately {$400000.00} equity and have been unable to secure a loan due to the fact I am a XXXX senior on a fixed income. 
CITI BANK as put me in a position where I will have no other choice but to file bankruptcy and have this credit card debt dismissed or set aside. 

I say this was done knowingly by CITI BANK due to the fact that it is printed on the credit card statement that it would take me 32 years making the minimum payment with the second option of paying {$760.00} a month for three years in order to XXXX  out this debt. At XXXX years old,  XXXX and on a fixed income neither option is feasible. 
Im not sure what other options I have if any sort of bankruptcy to pay down this debt? 

I have attached the three months of statements to show when the credit limit reduction and options to pay as outlined above. 

Thank You, XXXX XXXX XXXX California. 
( XXXX ) XXXX --

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
XXXX XXXX : On XX/XX/2020 I purchased a trip through XXXX for the amount of {$3200.00} and travel dates of XX/XX/XXXX XX/XX/2020. On XX/XX/2020 I received a notification from XXXX ( uploaded to this site ) that stated because of COVID-19,  all travel has been suspended and our trip was canceled. The XXXX   site was closed and they also closed all of their call centers so we could not get in contact with anyone. They issued a statement that we needed to get in touch with our bank for any refunds because they would not be issuing them. We were unable to get ahold of anyone to solve this issue, and stated in their letter we will be unable to provide agent assistance due to closing all of their call centers. I have included all of this in the documents I have uploaded and all of the proof that our trip was automatically canceled by XXXX with no refund, voucher or any service provided. 

I filed a dispute with Capital One and after calling and talking to numerous people they told me there was nothing they could do. I would like a FULL refund for services not rendered. 

Thanks, XXXX XXXX XX/XX/2020 XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-25 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I requested to have the following personal statement " XXXX XXXX XXXX is a fraudulent mortgage account in my name '' added to the XXXX XXXX Account being reported by Experian. I have mailed numerous letters to Experian requesting a personal statement be added since XX/XX/2020. Experian after I filed a CFPB complaint now responds on XX/XX/2020 that if I want a personal statement added to this XXXX XXXX XXXX account being reported then I can submit it. I have already mailed five letters asking for my personal statement to be added months ago. It is now XX/XX/2020 only five days from XX/XX/2020 and Experian has not added my statement.

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 2020-06-25 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I was charged {$13.00} in interest for the months of XXXX and XX/XX/2020. I sent a request by mail disputing the charge and received a response stating the validity of the late payment fee. To my knowledge I have never been late on a payment nor received a late fee. 

I did however receive two separate charges, totaling {$13.00}, for interest charges which I would like refunded. 

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 monetary relief
Consumer complaint received 2020-06-25 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I HAVE TRIED NUMEROUS TIMES IN THE PAST TO CLOSE DOWN A FRADULENT CARD THAT WAS OPEN IN MY NAME BACK IN XX/XX/2010 WHEN I BECAME XXXX YEARS OLD. MY MOTHER OPENED THIS ACCOUNT FRAUDULENTLY AND LIED ABOUT ME BEING JUST A 2ND AUTHORIZED USER TO THE CARD. SHE USED MY SOCIAL AS A PRIMARY USER OF THE CARD. I HAVE TRIED NUMEROUS TIMES IN THE PAST TO GET MACYS TO REMOVED THIS. THEY HAVE FAILED TO DO SO. XXXX  WAS THE ONLY CREDIT BUREAU THAT DID THE RIGHT THING AND REMOVE THE INQUIRY. I EVEN EXPLAINED TO THEM THAT ALL THE WIRE TRANSFER PAYMENTS WERE COMING FROM MY MOTHERS BANK ACCOUNT AND 99 % PERCENT OF THE PURCHASES. THE ONE TIME I USED THE CARD I RETURNED THE MERCHANDISE BECAUSE SHE TOLD ME THAT IT WAS HER CREDIT CARD AND I THAT I WAS ONLY A 2ND AUTHORIZED USER TO THE ACCOUNT. SO IN CONCLUSION, SHE OPENED A MACYS ACCOUNT IN MY NAME WITHOUT MY CONSENT, KNOWLEDGE, OR AUTHORIZATION TO DO SO. PERIOD

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 2020-06-25 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: GA

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XXXX XXXX XXXX ( XXXX ) Account Holder DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX -Probate Court Case : XXXX XXXX XXXX XXXX Local Case Number : XXXX Filing Date : XX/XX/XXXX State Case Number : XXXX Judicial Section : XXXX Consolidated Case No. : N/A Case Type : ADMINISTRATION My aunt XXXX XXXX has several account at Wells Fargo. I ( XXXX XXXX ) was listed as Payable Upon Death ( POD ) Beneficiary on two of the accounts. The other bank account was a Sole Owner account. I XXXX XXXX are the sole Personal Representative for the Estate of XXXX XXXX XXXX. I have some serious concerns about Fraudulent Checks written these accounts from XXXX Present. Fraudulent debit cards purchases where also made after my grandmother died. I was never contacted by the bank. I had to fight in probate court to prove I'm the sole inheritor of all my aunts estate. The original valid " Will '' which was in the safe box lists me as the sole Beneficiary. My first cousin XXXX XXXX XXXX Forged Documents, Changed the locks at my aunts property, created counterfeit " Wills '', Altered signatures, ordered debit cards and withdrew large amounts from these accounts. I'm seeking full restitution for all unauthorized transactions and fraudulent purchases. Any Account changes and maintenance to any of my aunts accounts from XX/XX/XXXX or any dates thereafter are fraudulent. She was diagnosed with XXXX XXXX XXXX, she was XXXX and XXXX XXXX. She was not fully XXXX nor willing to make any changes or consent for any Accounts Ownership Changes, Withdrawals, Checks written debit card purchases etc. Her IRA beneficiaries where also changed. I have hired an Handing Writing Expert do advised that my Aunt didn't sign nor write any checks. As a federally regulated bank, i want an investigation opened especially round the time of her death and thereafter, any and all transactions done are to be reversed. No freeze was placed on the accounts to prevent my first cousin from taking funds.

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 2020-06-25 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: GA

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-06-25 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: GA

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Paypal Holdings, Inc
State: CT

Complaint narrative:
The IRS  websites " get my payment tool '' said my stimulus check was going to be deposited on XX/XX/XXXX to my PayPal checking account..it has not gone into my acct.ive tried contacting the IRS 30+ times with no help then tried PayPal customer service with no help from them..my money is missing an I'm I'm extremely upset I need that money an I can't find anybody to help me solve the problem with my stimulus money going into my PayPal account!! Please help me out! PayPal has gotten alot of questions about people 's money the stimulus money that is being posted to b direct deposited into the acct an it hasn't!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 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: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
I received a notification from The American Express that my credit line had closed due to a review of my account reducing my credit from approximately {$11000.00} to {$0.00}. During the review process, there were two inaccurate late payments posted to my credit report by XXXX XXXX  for the months of XXXX and XXXX. Since then, I've had had several conversations with the credit services department to use the same process in reviewing my account again to see that these items are no longer posting late and that my credit rating had been restored. However, the only two unfair and unrealistic options are to print and mail them over 100 documents from XXXX credit report where the payments were updated, the previous report with the errors on it ( another 80 pages ), and the supporting documents that outline that the error was corrected with XXXX. The second unfair and unrealistic option is to take another hard hit inquiry to my credit report. This happened while in the middle of home improvements and American Express has not been willing to resolve this matter in a manner that is fair to the customer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-25 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: FL

Complaint narrative:
I HAVE TRIED NUMEROUS TIMES IN THE PAST TO CLOSE DOWN A FRADULENT CARD THAT WAS OPEN IN MY NAME BACK IN XX/XX/2010 WHEN I BECAME XXXX YEARS OLD. MY MOTHER OPENED THIS ACCOUNT FRAUDULENTLY AND LIED ABOUT ME BEING JUST A 2ND AUTHORIZED USER TO THE CARD. SHE USED MY SOCIAL AS A  PRIMARY USER OF THE CARD. I HAVE TRIED NUMEROUS TIMES IN THE PAST TO GET XXXX  TO REMOVED THIS. THEY HAVE FAILED TO DO SO. XXXX  WAS THE ONLY CREDIT BUREAU THAT DID THE RIGHT THING AND REMOVE THE INQUIRY. I EVEN EXPLAINED TO THEM THAT ALL THE WIRE TRANSFER PAYMENTS WERE COMING FROM MY MOTHERS BANK ACCOUNT AND 99 % PERCENT OF THE PURCHASES. THE ONE TIME I USED THE CARD I RETURNED THE MERCHANDISE BECAUSE SHE TOLD ME THAT IT WAS HER CREDIT CARD AND I THAT I WAS ONLY A 2ND AUTHORIZED USER TO THE ACCOUNT. SO IN CONCLUSION, SHE OPENED A XXXX  ACCOUNT IN MY NAME WITHOUT MY CONSENT, KNOWLEDGE, OR AUTHORIZATION TO DO SO. PERIOD

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