vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-22 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: NC

Complaint narrative:
On XXXX I authorized a charge for {$1100.00} to XXXX XXXX XXXX. When I received my statement i did not recognize the charge. I am a Senior Citizen and forgot the authorization. I notified Citicard Fraud and they cancelled the card and issued a new card. they informed me in the next statement in XX/XX/2019 that the charge was removed from my card because the matter was under investigation.later i remembered that i did in fact make the purchase for my daughter who lives in NY where the charge took place.I notified citibank that i indeed authorized the charge and there was no fraud and it was my mistake and the merchant had been paid by cash. The merchant XXXX XXXX XXXX demanded payment since the charge was denied by Citicard. I sent a check in XXXX for the {$1100.00} fee to my daughter to pay him. He has never received a payment from Citicard for anything to this date. He was paid in cash for the pool work. 
On XX/XX/2019 i received a letter from Citibank that i no longer disputed the charge and they put the charge fo {$1100.00} back on my account on XXXX XXXX merchant never got any money from Citicard and i have called and spoke to Citibank at Least 18 times about the issue. I cant understand the persons i am talking to an dthey are extrmly polite but cant change anything for me or take the {$1100.00} off my account. I want the {$1100.00} removed from the account.

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 2020-07-22 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I filed a bankruptcy in XXXX of 2020. I disputed items that were in that bankruptcy with the three credit bureaus. The items have been updated properly on one bureau. But your bureau did not properly update them. 
Federal law requires that you update the present status of an item or remove it after dispute. I provided copies of my bankruptcy schedules clearly showing these three items. I have attached them to this complaint. 
The items that should be listed as " Included in Bankruptcy '' are : XXXX XXXX XXXX XXXX ( Acct. XXXX. XXXX XXXX XXXX XXXX XXXX ( Acct. XXXX ). And XXXX XXXX ( Acct. 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 2020-07-22 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: EQUIFAX, INC.
State: MI

Complaint narrative:
My, Business-credit, report, with ; equifaxXXXX XXXX , ga ; has 3-fraudulent, credit cards, open & in-gd standing, on my report. They ARE NOT mine! I have done, 1 round of disputes, with them. Im working on a 2nd. Also ; they will not, tell-or-disclose 2me, the customer & business-owner ; the names & addreses, of the creditor, merchant, the company issuing the cards ; billing addresses, etc. I can not even, defend, myself ; against, 3, card accounts ; that are listed there. I dont know who they are ; who the banks, or, companies are. I have ; {$5000.00}, in debt, against my XXXX, in, MI ; ( XXXX ). Its not, mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
My bankruptcy was dismissed by choice and judge. I didnt qualify. The case was dismissed in XX/XX/XXXX days after incomplete file. 


I didnt need to pursue this case why you sought dismissal. And addition the Judge the case was thrown out. 

I soon recovered and paid all necessary items to current. 

I m Request to have the credit bureaus to remove the bankruptcy from my credit report. 
It was dismissal meaning that the bankruptcy never occurred. 

This is effecting my life and credit. I requested to have item deleted and was unsuccessful.

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 2020-07-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: NJ

Complaint narrative:
IC SYSTEM are attempting to collect {$250.00} debt from XXXX XXXX., which was paid, XX/XX/XXXX thru the debt collection agency XXXX ... After paying I received the confirmation # XXXX ... The derogatory mark was removed from my credit report until XX/XX/XXXX ... I've informed them of this and provided the same info ... I also disputed the claim and they refused to rectify the error. I haven't held any accounts with XXXX in years so there's no reason for this same mark to reappear after being paid.

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 2020-07-22 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: First National Collection Bureau, Inc.
State: IL

Complaint narrative:
I received a letter on XX/XX/XXXX of this year from First national Collection Bureau , INC . They stated that i was sued and a judgment for the amount of XXXX was ordered in XX/XX/2007. The company that they claim the judgment was for is XXXX XXXX XXXX who is collecting on behalf of XXXX. The date of the letter is XX/XX/XXXX of this year. The letter states that it is a Judgement Collection and that you must dispute with in 30 days of receiving the letter. However there is no post mark stamp to determine when the letter was actually sent. The letter says it was sent from a PO Box in California but the office address of First National Collection Burea is in Nevada. They are also sending it addressed to my maiden name which I legally changed and have not used in over 20 years. The letter is very unclear. it states that i must contact them and once i do they will validate the judgement or the debt. I was never served to appear in court and I checked with every circuit clerk for the counties that we have resided in over the last 20 years and there are no judgements listed. I have never had any credit cards or loans for this amount and I have never heard of XXXX. When i did research on this company all I could find is that they were sued and settled for XXXX XXXX for false practices by the stated of California and that they eventually were bought by XXXX XXXX who is also no longer in business. I reached out to First national Collection and all they keep telling me is that they need me to pay and that if not they can garnish wages or come after assets. When I asked about the judgement and when and where did this take place I get told the same case number that is on the letter but they will not provide the state or county that it was secured in. When i request a supervisor I get left on hold and no one comes back or the call is disconnected. I was under the impression that before a collection agent could attempt to collect debt that by law under the FDCPA that they are required to verify the debt which their letter clearly states that they will only do if you dispute the claim.. This has all the earmarks of some kind of scam.My concern is that they are targeting people in these difficult times and threatening financial recourse for debt that is not valid. I am hoping that your agency can help and put a stop to this.They claim at the end of the letter that if you pay them now they will discount the amount by 40 % but that they are not obligated to renew the offer. It also doesn't state the terms of this payment arrangement. There are also no dates as to when each payment would be due.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SinglePoint GI
State: PA

Complaint narrative:
When I paid this account, the representative I spoke to promised me the account would be DELETED from my credit. for the last few years it has remained on my credit, despite many disputes and confusing correspondence. I should not have to go through such incredible lengths to enforce a promise. PLEASE HELP ME

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 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: Netspend Corporation
State: IL

Complaint narrative:
Money was used off my card after I was denied for the dispute

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 2020-07-22 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: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
Thank you for your help. I have a hard inquiry on my credit report from Syncb on XXXX XXXX 2019 listed as : XXXX XXXX - XXXX. I do not have any knowledge of authorizing this inquiry and when I called Sycnb they couldnt give me any information to this inquiry. I didnt authorize this inquiry and Id like it removed from my credit however Syncb is not helping with this matter. Can you please assist me in this process? 

Thank you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated
State: AL

Complaint narrative:
I was scammed by a company and had to cancel my card and get a new one. That was on XX/XX/20. The way to go company said they mailed it to me on 2 different occasions by regular mail. My address has changed and I told them that plus their customer service people changed it supposedly but it has not changed on their end. I was charged XXXX for 2 replacement cards. I never received either card so I called back and they were to send it express which would mean I would get yesterday. They charged me XXXX to express it. Still no card. My big problem is that I cant talk to anyone about it because I dont have an activated card. The menu options just hang up once it give me the details of when it was mailed to me. There is no way for me to talk to anyone. I am beyond livid. Consumers should be able to talk to someone when it concerns their money regardless. Under no circumstance should a calller be automatically disconnected without the options to speak to someone. If u never get the card then Im XXXX. I paid for all the replacements and no card and no way to discuss it with anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
My mother purchased a vehicle in XXXX and I was the co-signer. My mother is deceased in XXXX and took up payments. 

Ally Financial is reporting incorrect dates of the account Ally reported the account opened XXXX. 
The account opened in XXXX. 

The account is in my mother 's name and needs to be removed.

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 2020-07-22 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I sent letters out certified over 60 days ago, and have not be notified. as a consumer I feel like these XXXX are taken advantage hard working normal people.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: MA

Complaint narrative:
Wednesday XX/XX/2020 Concern : Public Service Loan Forgiveness qualifying payments Amount qualifying : 64 Amount remaining : 56 Need : 120 to get wiped To have my federal student loans wiped, I have to make 120 qualifying payments. So far, I have worked in public schools as a full-time special educator for 7 years. There was one period from XXXX where I had a forbearance because I was in graduate school, so those months did not count. I have worked 1 year in XXXX, 3 years in XXXX, and just finished my third year in XXXX. I have been on the phone with PSLF for over 20 hours in the past 7 years because there have been numerous clerical or computer errors, one of which they lost 16 of my qualifying payments, which equates to a year and of what counts towards wiping my loans. The agent I spoke with today was not only unsympathetic, he was rude and disregarded my questions. I was viewing my statement online and questioned some of the XXXX payments and XXXX, where now instead of my 36 payments its down to 31. The manner in which he responded was extremely rude and lacking any form of customer service skills. Each time I call to inquire and check up on my loan status, I receive different answers from different agents. The previous agent said I only had 28 more months of qualifying payments and I would be done, now it says 56. The incompetence and lack of compassion with the customer service agent only causes more frustration regarding my loans ever being forgiven.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: General Motors Financial Company, Inc.
State: TN

Complaint narrative:
GM Financial in XX/XX/2018 had a system wide upgrade that caused a lot of billing issue for customers. After their system came back online in XX/XX/2018 they incorrectly sent me a bill for {$38.00} instead of my normal bill for lease payment of {$580.00}. At the time I called their Customer Service and they indicated that that was an incorrect bill due to the system upgrade and to pay my normal payment due XX/XX/2018. On XX/XX/2018 I payed the full amount {$580.00} and since then they never reported to me a being late or any further issues. Now I returned the vehicles after paying in full the lease and on the Final Bill they are telling me I am past due the amount of XXXX and this amount is the exact amount if you subtract the XXXX from my normal bill in XX/XX/2018 of {$580.00}. GM Financial made a mistake and I do not owe this amount as I payed in full in XX/XX/2018 {$580.00} PLEASE CORRECT YOUR RECORDS as I do now owe the XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 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: Experian Information Solutions Inc.
State: OK

Complaint narrative:
i askes XXXX  to verify that information on my credit report is reporting 100 correct. XXXX  fail to reply with in a timely matter

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 2020-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
PNC refuses to allow approved 3rd party companies to access my bank account via XXXX, a well-known authenticator in the banking industry. This is unfair and is basically forcing me to find a new bank to get around these restrictions - which are unheard of at other banks.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 



INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XXXX/XXXX/2020

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 2020-07-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: MORTGAGE SOLUTIONS OF COLORADO
State: FL

Complaint narrative:
I'm the Buyer and Buying agent of my first home in Florida. We were supposed to close on the property with an FHA mortgage on XXXX XXXX, 2020. We were using a lender that outsourced the underwriting to Mortgage Solutions of Colorado, who subsequently informed us it would take another month to close on the property after we had already extended the deal 3 weeks. 

I then swapped lender to a friend of mine who had the file underwritten in 1 week, however, they need the FHA case number for our appraisal transferred from the old underwriter, to them. The old underwriter we were using has taken another 3 weeks to respond to us. My question is if there is a time limit they have to transfer the appraisal 's FHA case number. Even after we swapped lenders, the old lender is still holding up our closing because they won't transfer the case number. We obviously have a lot riding on this home closing ; schools, furniture, a lease ending soon where we live currently, and we face losing our escrow deposit money. All because the old lender won't timely transfer the FHA case number. We will be facing serious damages if they do not. The deadline for our 4th extension to close is XX/XX/XXXX. 2020. original closing date was XXXX XXXX 2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
My bankruptcy was dismissed by choice and judge. I didnt qualify. The case was dismissed in XXXX XXXX days after incomplete file. 


I didnt need to pursue this case why you sought dismissal. And addition the Judge the case was thrown out. 

I soon recovered and paid all necessary items to current. 

I m Request to have the credit bureaus to remove the bankruptcy from my credit report. 
It was dismissal meaning that the bankruptcy never occurred. 

This is effecting my life and credit. I requested to have item deleted and was unsuccessful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Applied for a Best Buy card around XXXX an got a XXXX $ limit Bought items an got the no finance option an aways paid on time Then in XXXX they hit me with XXXX $ interest with a XXXX $ balance It was not much that i owed I have tried10 times to find what my balance was calling them an they never send me anything It was in XXXX that they put that XXXX $ on my account They say that it was acredit card when this happened but it was not, It was a card that you could buy stuff from there store with They will not give me any info but lies. I wanted statements from them an asked for them an got nothing.

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 2020-07-22 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Tribal Lending Enterprise, Inc.
State: AZ

Complaint narrative:
When I began the loan application process I was given misinformation about the cost of the loan It's {$900.00} I was told that I would be charged a total of {$130.00} for borrowing the {$900.00} a total. 

later when I called in to inquire about it the loan I was told that I have 17 more payments which doesn't make sense considering my first payment was like {$130.00} and the second payment was over {$200.00} I called in to check and they told me that it was basically going to cost a lot in interest for the loan so I'm having to pay off the entire thing at {$850.00} this XX/XX/XXXX When they spoke with the representative after getting the loan and inquiring about the cost and the misinformation that I received I was told that no I'm wrong The person told me correct and that it was in the contract paperwork that I signed I did not see any of that if I had I would have known that they aren't a true financial institution interested in helping people that they're only interested in lying people so they can turn profit and I never would have done business with them That's false marketing lying using your customers for a number so you can pad your pockets And how was that they don't even report to the credit bureaus which is my fault cuz I forgot to ask that question but I mean come on if you're going to super overcharge me and use me to turn profit you might as well at least report to credit bureaus so that I might get something good out of it This is a waste time stressful XXXX and I hope your company receives the karma they are due

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