vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I contacted Wells Fargo Dealer Services to discuss my auto loan due to my vehicle repairs being above the value of the car and the amount I owed. I originally asked for a settlement on my loan on XX/XX/18. The next day a representative called to say I was offered a settlement of {$4500.00} a savings of approx. {$800.00}. I stated I would need to think about it. I called again on the XX/XX/18 and asked for a lower settlement of {$3700.00}, I was told it is not negotiable. I called again on XX/XX/XXXX for the settlement in writing I was told that I could not get that because I did not accept the settlement. In turn I accepted the offer and then was told I still couldn't get it in writing because I didn't pay it yet. On XX/XX/18, I paid the account at the local branch and the teller informed me my balance was around {$5200.00}. I told her that is my payoff not my settlement. The banker called dealer services to inform them that I in fact made the payment and asked if I could get something showing it was paid as agreed. They told her there was nothing that I could get but they saw the settlement offer and I would receive a letter and title in the mail. The following day I checked my account online, my payment showed has a very large regular payment with part going towards principle and the rest going towards interest. I called, they said it would take a few days but would be fixed. I checked the next day and the payment was adjusted however, the loan is still not showing it is settled. The account is showing a balance of {$800.00}. With another phone call I reached the " office of the president '' I was told that the issue needed to be researched and someone would call me within 48 hours. I received a call on XX/XX/XXXX and XX/XX/XXXX to have to restate my issue again resulting in another stall tactic saying they would need to research this issue. I called for an update and was told they were needed to speak with the person that offered the settlement and to give them more time. After calling for another update on XX/XX/18 I was told that they spoke with the person that offered me the settlement but they are searching for the " document ''. I asked why we can't find whatever it is we are looking for I did not get a straight answer.

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 2018-08-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below on my Auto Loan and it's also reporting with multiple inaccuracies which is a state and federal violations. 

XX/XX/XXXX XX/XX/XXXX & XX/XX/2017 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
On XX/XX/XXXX at approximately XXXX XXXX XXXX XXXX proceeded to make via contact skip trace to a phone number of relative. Instead of trying to locate me the informed the individual about my debt, the amount owed and a letter they sent out which I never received. My understanding is that my debt information can not be shared with anyone who is not associated with the account and/or granted permission by me. I have not given any one permission to receive information about this account. After they disclosed confidential information regarding my account they then told the relative that it was against the law to contact the original debtor which is not true. They continued to fall harass and threatened the relative until the relative ended the call.

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 2018-08-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I received a letter from XXXX XXXX XXXX dated XX/XX/XXXX indicating that I owed a debt of {$290.00} to XXXX XXXX from the Merchant Lowes. XX/XX/XXXX I called Lowes customer service who transferred me to XXXX at XXXX XXXX XXXX who just wanted payment. I explained that I didn't occur any charges at Lowes and could he provide some documentation regarding time place and date of the charges. He responded that he would mail them and I never received anything until a duplicate letter dated XX/XX/XXXX arrived. I spoke to representatives at 2 different Lowes who were no assistance resolving the issue. One did give me an 800 to call after speaking with Lowes corporate customer service. XX/XX/XXXX I called the number and after many lengthy holds and transfers the call ended up back at XXXX XXXX XXXX. Once again I asked XXXX if he could provide documentation of the debt and he stated that was not able to and would like to collect the debt allegedly owed. That is now why I am writing for your assistance in bringing closure to this harassment when trying to find a resolution on my own.

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 2018-08-02 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: NM

Complaint narrative:
XXXX XXXX, Equifax and XXXX are ignoring my requests to investigate, verify and remove accounts from my credit reports/files that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02 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: NM

Complaint narrative:
Trans Union, XXXX and XXXX are ignoring my requests to investigate, verify and remove accounts from my credit reports/files that do not belong to me.

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 2018-08-02 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: NM

Complaint narrative:
XXXX XXXX, XXXX and Experian are ignoring my requests to investigate, verify and remove accounts from my credit reports/files that do not belong to me.

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 2018-08-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
I signed up for this Gold Delta Skymiles card in XX/XX/2018. It offered XXXX miles after spending {$3000.00} and a {$50.00} statement credit after my first Delta purchase. I didn't receive the bonus miles or that statement credit because American Express said I had held the card before. The terms of the offer never mentioned that I would be ineligible for the offer because I had the card before.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCB Management Services Inc.
State: MI

Complaint narrative:
NCB Management Services Inc appeared on my credit report this this past year as a collection stating that I owed {$3600.00}. The original creditor was XXXX ( which I think may be a payday lender ). The loan was for around {$3500.00} in which I paid every 2 weeks a large sum with very high interest rates ( 3-400 % disguised as FEES ). I paid approximately 1/2 the loan off and when I asked to re-borrow the extra debt was added to my balance but I never received the the extra funds. So I stopped payment. When I saw this collection on my credit report I called XXXX XXXX XXXX  XXXX was told they were only the financier and then I called XXXX but both said they have nothing to do with the loan. So I called NCB and asked for a compromise and we agreed to {$1200.00} payment and deleted from credit report. But they would not send me a letter stating this and I have found debt collectors to lie. So I filed with the XXXX  offering to pay {$500.00} and removal from credit reports, but this has not solved the problem either. How did the balance get to {$3600.00}?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I recently signed up for the Citi Premier card which offered XXXX Thank You points after spending {$4000.00}. After completing the spending requirement Citi told me I would not receive the bonus because I had closed an XXXX XXXX XXXX XXXX XXXX card in 2017. The terms of the offer had no mention of the XXXX XXXX XXXX XXXX XXXX   card affecting my eligibility for the bonus.

The offer stated : " Bonus ThankYou Points are not available if you have had a ThankYou Preferred, ThankYou Premier or Citi Prestige card opened or closed in the past 24 months. '' https : //citicards.citi.com/XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2018-08-02 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: OH

Complaint narrative:
On XX/XX/2018 Dept of XXXX obtained a copy of my credit report without my permission. I do not have an account with 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 2018-08-02 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: PA

Complaint narrative:
Pa housing finance agency was charging me {$100.00} a month, and then it was lowered to {$50.00} a month and it was backdated. Now my experian credit report is showing 180 days late for XX/XX/XXXX, XX/XX/XXXX and XX/XX/2018, 120 days late for XX/XX/XXXX-XX/XX/2018. They have XXXX past due. This is not correct, based on the payments I have made and my payment amount changing, my credit report should not have any late payments on the dates I provided above.

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 2018-08-02 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: GA

Complaint narrative:
yes I provided citi bank with all the proof from XXXX XXXX showing the works was not performed at all and they stated we were ripped off no work has been done and city is not working for me keeps taking the money back under the fair credit blling act I am protected and under the clause of services not render or received.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02 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: CA

Complaint narrative:
I went to the bank to get a loan of {$4000.00} on Monday XX/XX/XXXX and having a good score was decline, and the reasons were that TransUnion use my information and requested some promotional inquiries with 6 difference companies when i never give permission.

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 2018-08-02 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI

Complaint narrative:
So I was checking my Bank of America account and saw charges that I did not recognize. I called the bank and was told for a year and a half there was charges from XXXX on my account. Today is XX/XX/XXXX these charges started back in XX/XX/XXXX they issued me a credit for the amount then after the investigation I was told it was not fraud and that i was responsible for the money they credited me back. I did not Authorize the charges made on my XXXX account and do not no where they came from. I cancelled the card was issued a new card and they shut down my XXXX  account. Made a new password for my XXXX account and applied new cars to the account. There has not been a charge for 4 months since and they still tell me its not fraud. I called again to see if they could investigate the charges again and they said yes but are still charging me back on my 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 2018-08-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems
State: MI

Complaint narrative:
Midwest Recovery Systems just showed up on my credit report as a collection. I have never heard of this people, don't know who they are and they have never contacted me. Please remove from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Please help. Lenders cant pull my Equifax report. Im unable to pull my Equifax report no matter which site I use. Ive tried many sites. Ive called Equifax many times & no one can tell me what the problem is. Equifax stated they dont see a problem on their end. I know its not the potential lenders fault because I cant view it using any credit report website either. Please fix this as soon as possible it is a huge inconvenience.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Financial Recovery Services, Inc.
State: OH

Complaint narrative:
I received a letter from a debt collection company by the name of Financial Recovery Services INC dated XX/XX/XXXX - which states that the current creditor is XXXX XXXX who is in affiliation with XXXX XXXX. The letter they sent me clearly violates the FDCPA 807 ( 10 ) "  False or misleading representations '' in which the preclude to the letter states " Assigned as a Pre-Legal Account ''. The letter continues on with multiple misleading and confusing statements cited as : If we can not resolve this account, our client will place the account with a law firm and in the same paragraph goes on to state We do not make any decision whether to place any account with a law firm as that decision rests solely with our client. No decision will be made regarding whether to place any account with a law firm until after the end of time frame described below. This is clearly misleading as in one sentence they tell me it WILL be placed with a law firm and a few sentences later it is inferred that it may or may not be sent to a law firm by the beginning sentence of No decision will be made regarding whether to place. This is an illegal practice under FDCPA in which the debt collector is threatening legal action that has no proven intent and is also violation committed by Financial Recovery Services under FDCPA 807 ( G ) ( 5 ). Any letter from a debt collector or creditor has to be clear and concise and be able to be understood by the least sophisticated consumer. The materiality element of the Least Sophisticated Debtor Standard does not hinge on what an ordinary individual might reasonably interpret from a debtors communication, but rather, a material statement is one that has a natural tendency to influence or has the capability of influencing the decision of the decisionmaking body to which it was addressed. Id. Here, the relevant decisionmaking body is the least sophisticated debtor. Id. ( citing XXXX v. XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXX Cir. XXXX ). 
Furthermore, Financial Recovery Services states that the " current creditor '' is XXXX XXXX. Under the FDCPA the term " creditor '' is defined as anyone who extends or offers credit. Financial Recovery Services nor XXXX XXXX ( XXXX XXXX ) has ever extended or offered any credit to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02 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: NY

Complaint narrative:
On XX/XX/2016, XXXX, promoted and sold to me a so-called " XXXX '' package that promised outstanding income for selling on XXXX. The attached documentations show that XXXX XXXX did not deliver on the services as agreed. I have contacted Citibank on three occasion seeking a solution to this dispute. They refuse honor my claim on grounds that they can not get in touch with XXXX XXXX, since they have since been closed by the FTC.

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 2018-08-02 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: NY

Complaint narrative:
I Am having A Problem With Experience Credit Report Agency With Something About XXXX Showing On My Experience Consumer Report please help me with this problem XXXX XXXX  Closed My Account Without My Permission And Wont Allow Me To Open Any New Accounts Because Of A Fraud Account From The Pass Showing On My Experian Report Please Help me with this

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 2018-08-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Add-on products and services
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
XXXX blocks customers from retrieving their consumer data via thirds parties. XXXX XXXX is near impossible to use.

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 2018-08-02 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
XXXX is a company of XXXX and XXXX XXXX  up my credit score. I have told them many many many times to stop sending bad debt to their credit vendors. I purchased an item mistakenly through their XXXX XXXX Synchrony Card, I asked them to transfer it to my regular credit card, I contacted them. They claimed they were going to do it but did not. Finally, they sent the garbage debt to XXXX XXXX. XXXX refunded my amount for troublesome purchase but did not tell Synchrony to refund my purchase. What Kind of a sellor Store vendor refunds, but does not notify their credit card? Then I try opening a login account with Sychrony many many times. I had trouble with logins and passwords, additionally i did not receive an account statement. After many problems, I received bad debt for an issue I got a refund on???? XXXX  sent it to all credit bureaus, XXXX, XXXX, XXXX. XXXX even sent me a letter acknowledging bad debt and refund, but did not tell Synchrony. I said if you send bad junk and libel and slander, you clean it up. On top of this, they were laughing at my XXXX last name, they are very XXXX, what kind of a company laughs at the name of immigrants? If they do not contact the three credit bureaus, XXXX, XXXX, and XXXX and cancel my debt with Sychrony I will contact Civil Rights Commission and think  about next step on how mortgage is denied. Frauders and liars.

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