vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-18 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: CA

Complaint narrative:
XX/XX/XXXX Re : XXXX Continuing Dispute Dear Billing Disputes : Attached is a copy of your letter of XX/XX/XXXX and its attachments which included XXXX XXXX XXXX response in my favor as well as my initial dispute letter of XX/XX/XXXX. I have signed you letter of XX/XX/XXXX and returned it with my response as I continue to dispute the charge of {$1400.00} on my XXXX XXXX statement. 
I checked in on XX/XX/XXXX and was going to leave on XX/XX/XXXX XXXX XXXX swiped my card when I checked in for a total of {$1400.00}. But I stayed an additional day and checked out on XX/XX/XXXX and gave the desk person my card and was charged for {$1600.00}. The amount of {$1600.00} is the final bill. The {$1400.00} has disappeared from the XXXX XXXX system since it was NOT the final bill which was for {$1600.00} which I have paid and have received a receipt for on the day of check out on XX/XX/XXXX as well as another receipt emailed to me on XX/XX/XXXX from the XXXX XXXX which is attached. 
{$1600.00} was the total bill for the stay with a check in date of XX/XX/XXXX and a checkout date of XX/XX/XXXX. 
I called XXXX XXXX, Front Office Manager, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX California XXXX on Saturday, XX/XX/XXXX. XXXX XXXX, Front Office Manager, explained the final bill and the only bill owed was for {$1600.00} and has been paid. XXXX XXXX said my dispute is with AT & T Universal Card ( owned now by Citi Cards ) which has NOT corrected the credit card statement. 
Please re-read XXXX XXXX, Front Office Manager, letter, faxed XX/XX/XXXX to AT & T Universal Card ( owned now by Citi Cards ) see Citi pages 3-10 and remove the charge of {$1400.00} from my credit card bill. 
I am sending a copy of all this correspondence to the Consumer Financial Protection Bureau as my complaint.

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 2022-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I discovered the following inconsistencies in my Personal Information, and I would like to have all of the false and misleading information removed from my credit report. These inaccuracies have harmed my creditworthiness and limited my ability to obtain fresh credit, and I have been contesting them for a long period. 
I've made a list of the details on my personal information that is falsely reported and that must be removed immediately. 
Name : I do not have any other names or aliases required, and I do not want any other names or aliases to be kept or disclosed. 
Address : I do not have any additional current addresses, and I do not want other addresses to be kept or disclosed. 
Birthday : I do not have any other dates of birth that are required, and I do not want any other dates of birth to be kept or disclosed. 
Employers : I do not work for these employers listed and I don't want them to be kept or reported.

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 2022-01-18 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: TX

Complaint narrative:
The creditor has ignored my request of this alleged debt and has FAILED to send proper validation. Therefore this is FRAUD. This violates 18 US Code 1028A- AGGRAVATED IDENTITY THIEF. I have placed a security fraud alert on my SSN to avoid instances like these in the future.

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 2022-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: HUNTINGTON NATIONAL BANK, THE
State: MN

Complaint narrative:
my Name is XXXX XXXX On XXXX 2022 I asked the XXXX XXXX to fix my computer. and in the pupose a person or company { XXXX XXXX } took over my computer took over my Huntington Bank Account took out 5 gift cards for XXXX later that day, I called Huntington and told them that person or company had done this to my account. Huntington said they would take care of the problem. Now they say its my problem THANK TOU VERY MUCH XXXXt XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-18 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: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
I am demanding information on why my credit card account has been closed. I have in good faint been using my navy federal card. 
Pursuant 15 usc 1602 ( p ) this is unauthorized use of my credit card which is my social security card. 

I did give any authorization to navy federal to close this credit card account which i have extended credit to. 
I am demanding that my credit card account be reopened

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 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: OneMain Finance Corporation
State: KY

Complaint narrative:
This is wrong and whoever wrote that statement absolutely lied .... you have damage my credit and now you want to throw the rock and hide your hand .... 

Please answer what's in attachments

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I discovered the following inconsistencies in my Personal Information, and I would like to have all of the false and misleading information removed from my credit report. These inaccuracies have harmed my creditworthiness and limited my ability to obtain fresh credit, and I have been contesting them for a long period. 
I've made a list of the details on my personal information that is falsely reported and that must be removed immediately. 
Name : I do not have any other names or aliases required, and I do not want any other names or aliases to be kept or disclosed. 
Address : I do not have any additional current addresses, and I do not want other addresses to be kept or disclosed. 
Birthday : I do not have any other dates of birth that are required, and I do not want any other dates of birth to be kept or disclosed. 
Employers : I do not work for these employers listed and I don't want them to be kept or reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: OR

Complaint narrative:
In XX/XX/2019, my then-fiancee ( now husband ) went to XXXX to add him to my existing XXXX account. We were upsold on new packages that only my fiancee was eligible for as a new customer. We accepted the new package and an account was opened in his name. 

My account was supposed to be cancelled, but his phone number and device was added to my OLD account, which is now unable to be reached since it is seen as " closed. '' I was then charged nearly {$200.00} for the new phone because it was not placed on the new account. 

We have upheld every part of our agreement for XXXX and their administrative errors have cost us dozens of hours of work to try to get resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
TO WHOM IT MAY CONCERN : Under 15USC 1681b- permissible purpose of consumer reports ( A ) IN GENERAL- Subject to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates XXXX XXXX XXXX NEVER gave Equifax any written consent to report anything on my consumer report, no consent is identity theft. A copy of the law is attached with this dispute letter. Concerning the accounts listed below as a consumer demanding deletion of these accountsXXXX XXXX XXXX  : XXXX XXXX XXXX NUMBER : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXXE ACCOUNT NUMBER : XXXX XXXX XXXX XXXX ACCOUNT XXXX : XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Westlake Services, LLC
State: FL

Complaint narrative:
I HAVE TRIED TO TALK WITH THE COMPANY TWICE BECAUSE THIS ACCOUNT IS FRAUD. BUT THEY GAVE ME NO INFORMATION ABOUT THIS ACCOUNT BUT THEY CONTINUE TO REPORT IT ON MY CREDIT REPORT. I'M NOT SURE WHAT TYPE OF ACCOUNT THIS IS. THEY TOLD ME TO FILE A POLICE REPORT SO I DID ON XX/XX/2021. THIS ACCOUNT STILL REMAINS ON MY REPORT AND IS SHOWING SOMEONE HAS BEEN MAKING PAYMENTS BUT THIS IS NOT ME. I ALSO HAVE TWO OTHER ACCOUNTS THAT IS SHOWING ON MY CREDIT REPORTS THAT I KNOW NOTHING ABOUT. PLEASE HELP BECAUSE I AM NOT GETTING ANY WHERE.

THANK YOU SO MUCH..

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 2022-01-18 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: CA

Complaint narrative:
I made a online Macy 's purchase on XX/XX/2022 Total {$910.00} Order # XXXX 2 items ( XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Comforter and Light Weight ). Macy 's claimed they delivered, but I never receive the 2 comforters. They refuse the refund and charge these items any way.

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 2022-01-18 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
This is second time that Navient has made error on withdrawing funds from my checking account. BOTH situations have been corrected, however I want it on the record about the errors that Navient has made. 

XX/XX/XXXX @ XXXX AM - I called Navient to withdraw an additional {$810.00} to be applied to the principal on XX/XX/XXXX along with my regular {$300.00} payment. 

XX/XX/XXXX - {$810.00} payment was NOT applied UNTILL I CALL TODAY @ XXXX AM XX/XX/XXXX - Navient withdrawal {$500.00} ONE DAY PRIOR to Scheduled agreed upon day of XXXX XXXX. No overdrafts occurred but Navient employees need better training at bare minimum.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-18 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: National Credit Adjusters, LLC
State: TX

Complaint narrative:
The creditor has ignored my request of this alleged debt and has FAILED to send proper validation. Therefore this is FRAUD. This violates 18 US Code 1028A- AGGRAVATED IDENTITY THIEF. I have placed a security fraud alert on my SSN to avoid instances like these in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Synchrony Bank closed my Paypal master card on XX/XX/XXXX without notice. I received a letter a few days later stating that the account, as well as two other credit cards that I had with Synchrony, were closed due to me being high risk, At the time that the Paypal XXXX card was closed, I had cash back rewards of {$260.00}. This amount is confirmed on the statement that I received on XX/XX/XXXX. However, there is no way for me to redeem these rewards. I called customer service. Neither the representative nor the supervisors were able to help. They simply stated that the cashback rewards were forfeited and that they would not be credited to me. 

This is an unfair to me. The bank earned money from me using the credit card and should pay me the cashback rewards that I earned.

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 2022-01-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Velocity Portfolio Group
State: GA

Complaint narrative:
On XX/XX/2021 I received a letter from XXXX XXXX  XXXX counselors at law indicating that they were attempting to collect a debt. I sent them a response to dispute the debt and requested information to validate the debt. They failed to provide me with pertinent information and the information is false and misleading. As it is my understanding that an Attorney can not serve in the capacity of a debt collector. There is no evidence of signature or a copy of my identification proving that it was in fact me that initiated this loan. There is no ledger of the account and general ledger statement showing the full accounting of the alleged obligation they are attempting to collect from me, signed and sworn by the person responsible for maintaining these records and having first-hand knowledge as to their accuracy and authenticity. There is also no signature wet ink or electronic signature on the Disclosure and consent to electronic receipt of loan disclosures and electronic contracting e-sign Consent or the credit profile authorization One of the documents gives the principal amount at charge off. Which indicates that this loan has been charged off. However, this statement and several others do not have any identifying information connecting me to such obligation. 
Now I am receiving solicitations from attorneys indicating they would like to represent me in the lawsuit that was filed against me by VelocityXXXX XXXXXXXX XXXX 
This is causing me undue stress and sleepless nights!

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 2022-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I wired funds on XX/XX/2021 From my Bank of America account and on XX/XX/2021 I recalled the wire transfer as it went to an account that was closed at XXXX XXXX. XXXX I guess will not respond to BofA and I can not get my {$2000.00} back

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 2022-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I have several student loans on my credit report that are reporting inaccurately. I have been sending letters to the credit bureaus ( XXXX, TransUnion XXXX XXXX ) for the past 4 months. They keep " verifying '' and " updating '' but nothing ever changes. I have sent several letters via CERTIFIED MAIL. The last letter I sent was a factual dispute POINTING OUT the inaccuracies and it still came back " UPDATED & VERIFIED '' with the SAME inaccuracies. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you on this matter, for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX v Trans Union Corp., No. XXXX ( C.D.Cal. XXXX XXXX ), you may be liable for you willful non-compliance. YOU ARE REQUIRED BY LAW TO REPORT 100 % ACCURATE INFORMATION ON MY CREDIT REPORT THERE IS NO WAY THAT THE SAME ACCOUNT IS REPORTING DIFFERENTLY ON EACH BUREAU. THE ACCOUNTS IN QUESTION ( US DEPT ED ). 

I WILL BE ATTACHING THE LETTERS I HAVE SENT AND WILL BE ATTACHING THE LAST REPORT SCREENSHOT FROM XX/XX/XXXX AND A SCREENSHOT FROM TODAY XX/XX/XXXX TO SHOW THERE WAS NO UPDATE IT WILL BE TIMESTAMPED. 

FIRST LETTER : XX/XX/XXXX CERTIFIED MAIL SECOND LETTER : XX/XX/XXXX THIRD LETTER : XX/XX/XXXX CERTIFIED MAIL

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 2022-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I have several student loans on my credit report that are reporting inaccurately. I have been sending letters to the credit bureaus ( Equifax, XXXX XXXX XXXX ) for the past 4 months. They keep " verifying '' and " updating '' but nothing ever changes. I have sent several letters via CERTIFIED MAIL. The last letter I sent was a factual dispute POINTING OUT the inaccuracies and it still came back " UPDATED & VERIFIED '' with the SAME inaccuracies. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you on this matter, for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX v XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX ), you may be liable for you willful non-compliance. YOU ARE REQUIRED BY LAW TO REPORT 100 % ACCURATE INFORMATION ON MY CREDIT REPORT THERE IS NO WAY THAT THE SAME ACCOUNT IS REPORTING DIFFERENTLY ON EACH BUREAU. THE ACCOUNTS IN QUESTION ( US DEPT ED ). 

I WILL BE ATTACHING THE LETTERS I HAVE SENT AND WILL BE ATTACHING THE LAST REPORT SCREENSHOT FROM XX/XX/XXXX AND A SCREENSHOT FROM TODAY XX/XX/XXXX TO SHOW THERE WAS NO UPDATE IT WILL BE TIMESTAMPED. 

FIRST LETTER : XX/XX/XXXX CERTIFIED MAIL SECOND LETTER : XX/XX/XXXX THIRD LETTER : XX/XX/XXXX CERTIFIED MAIL

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: CA

Complaint narrative:
Apparently, my homeowners insurance had gone up in cost and there was a shortage in escrow account after flagstar bank had ran an analysis. 

I never received any notification of a higher mortgage payment needed and I continued to pay the regular cost. Flagstar moved my payment to a suspense account and flagged my loan as not paid for the month of XX/XX/XXXX. I usually pay the loan through the my personal bank, but coincidentally I needed to login to flagstar 's website to make sure I wasn't late, making the XX/XX/XXXX payment because of the holiday. I then discovered there was a higher cost to the loan, which I paid. 

I received a letter in the mail over the weekend of XXXX XXXX, stating that the loan servicer flagstar bank had assigned a loss mitigation team to my loan in an attempt to collect a debt. I then proceeded to scour the materials in the flagstar website to figure out where the problem with the payment was. There was never any clear explanation as to why my payment was in suspension and I had to research and deduce the problems by using XXXX. 

When I spoke to a representative at flagstar they informed me that they sent a letter in the mail stating that the mortgage escrow had a shortage, but I never received anything in the mail. The representative stated that since flagstar hadn't received the letter they sent back, that they must have delivered the letter and I must have seen it. I am not sure how the flagstar rep was able to know so quickly that nothing had come back from the post office. 

With the culmination of no communication from flagstar and them moving my payments into suspension and still no communication, I feel this was a concentrated effort to provide a situation where I could default on my loan. 

Their communication was poor, and I have had many challenges figuring out how to permentallly receive written communication as their website is relentless in making it difficult to remove paperless billing and contact.

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