vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-23 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:
On XX/XX/2018, I had to cancel my hotel reservations at XXXX XXXX by XXXX XXXX XXXX XXXX in the amount of {$700.00} booked on XX/XX/2018. My cancellation was because my flight going into XXXX, Hawaii was cancelled from XXXX XXXX, and there would be no way that I could make this hotel reservation. The flight was cancelled due to Hurricane Lane approaching the island with an increasing chance of hitting the islands of Hawaii. Due to this reason, we had to cancel our vacation to Hawaii. 

I reached out to Citibank immediately to use the travel insurance protection program that I am enrolled into automatically on my credit card. This route was rejected because there was only a travel advisory warning for the island, even though a state of emergency was declared. The documentation and form process advised me to send further documentation for review, so I had sent all relatable news articles about the hurricane hitting Hawaii, and the lack of food and water on the island, how there were power outages on the island, and the roads are not of driving condition. The travel insurance was then rejected, and I proceeded to call Citibank back to find out why. The Citibank representative told me that the travel insurance does not cover hurricanes or natural disasters, and if it did, flights would have to be cancelled for 24 hours for the trip to be covered. After discussing with the employee on what other actions I can take, he then advised me to dispute the charge. 

I disputed the charge only stating that the service was not complete or used and even sent documentation information that was requested of the cancellation receipt. Shortly after, I received a letter in the mail that the dispute was rejected. However, there was no reason as to why it was rejected. 

I contacted XXXX XXXX themselves and they said because I booked via a third party ( through XXXX ) they are unable to do anything about the refund. They advised me to contact XXXX directly and see if there's anything they can do. 

I contacted XXXX, whom I booked the reservation off of and because they do not partner with XXXX and XXXX XXXX anymore, they are unable to resolve the issue internally. The gentleman whom I spoke with looked at everything and tried to resolve the issue internally but was unable to help me. He advised me to also dispute the charge and contact Citibank directly.

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 2019-01-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
My student loans were forgiven under TEPSLF program. I was never late and never delinquent. My original balance was {$34000.00} in 2004 and around $ 16K was the amount forgiven. I recently noticed my FICO score had dropped 100 points! 

Transunion was reporting that I had a $ XXXX balance within the past year, that I was over 90 days delinquent, and that the loans were written off as a bad debt. All of this is wrong and I disputed it. They corrected the bad debt part, which so far has changed nothing about my credit score. 

Transunion still lists me as 90 days delinquent. They also show the $ XXXX as a recent high balance. XXXX, the student loan servicer, does not show these errors. 

XXXX  dinged my FICO score with similar errors to Transunion. However, they have corrected my credit report and are no longer reporting a false delinquency. 

I have now spent hours online, on hold, on the phone trying merely to introduce written proof that this is information is erroneous. The phone person refers me to the web page, the web page tells me I have to use the mail. It's all set up to make a dispute impossible.

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 2019-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
We spoke to Citizens Bank on XX/XX/19 in regards to placing a hold on our account so no unauthorized charges could come out as we are disputing charges from wepay as they are not authorized to take any funds from our account. We sat on the phone with Citizens for upwards of two hours total to get a hold put on our account so nothing could be withdrawn and only deposits could come in. The customer service representative assured us nothing further would be withdrawn. And they advised us to open a new account so we could stop this from occurring again, as {$450.00} was already withdrawn previously without our consent. Then today I check our account and there was another withdrawal of {$240.00} from wepay which we were told would not occur. On both occasions this put our account well into the negative and as a one income household this was something we could not afford. So yet again after the lengthy conversation we are out nearly {$750.00}. I have already spoken to them and unable to get this money returned to us.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-23 00:00:00
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I have a XXXX/XXXX card, with insurance from XXXX  XXXX! In XXXX my dad became ill, and I called on this card 3 times to use the insurance. I was advised 3 times from XXXX to XXXX that I did not have insurance on this account from XXXX! In XXXX I get a letter that my XXXX  XXXX insurance had been terminated for not meeting the minimum payment? 

XXXX  XXXX has been paid from XXXX through XXXX and they stated that there was nothing that they could do to resolve this issue, and referred me back to XXXX, which also informed me that it was a separate company and it was nothing that they could about it! 

Please help I feel that this is an unfair business practice! One of these companies took my money for a service and would not honor the service when I needed it! Please help

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-23 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: MS

Complaint narrative:
On XX/XX/2018, I sent a debit validation letter to XXXX XXXX asking them to send proof of the debit they say I owe. I sent a certified letter to the creditor. This certified letter was delivered on XX/XX/2018. I have yet to receive a response from the collection company validating this debit. I ask the credit reporting agency to validate the debit and they have yet to validate this debit. By law they have 30 days to response to a consumers request. Please check into this matter immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: TX

Complaint narrative:
In 2006 I opened a free checking account with XXXX  XXXX XXXX. The problem arose when the account was overdrawn by around {$340.00}, give or take. It did take me 1-2 years ( I was a student at the time, paying my own way for books and tuition, upon working to sustain my other immediate bills ), until I was able to reconcile and close the account with the bank with the full amount that was due. I have not heard anything about this incident until the past 6-9 months. The agency contacting me is XXXX XXXX XXXX  , XXXX, based at XXXX XXXX XXXX , XXXX. XXXX, MN XXXX. I have not received any type of paper notification from either the bank or this agency, but have recently been receiving phone calls within the correct debtor calling hours as is their right, however, I have repeatedly ( well over 5 times ) asked them to place my number on their " Do Not Call '' list as it is my business number and that this debt was already taken care of well over 10 years ago. I am still receiving phone calls from them stating that they are now wanting to collect on behalf of the bank, but as we know sometimes things get mixed up in the transfer of debtors ' records. I was a XXXX XXXX for a XXXX XXXX XXXX and I know my rights as far as asking them not to call me again, same for not using the number given to them. I want to report them for continued harassment and would very much appreciate someone looking into this for me, as it is now interrupting my business in a negative way ; also in personal ways. I do also intend to notify the agency in writing to the address provided me as per Sub-Section 806 : Communication in Connection with Debt Collection, paragraphs ( a-c ), as stated in the FDCPA. Please let me know at your earliest convenience what we need to do to proceed forward with this complaint. Thank you. 

Also, I do not have records of this bank or the account number, amount owed, etc. as it was so long ago.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-23 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I filed a dispute with Experian. They did not respond after more than 45 days for a vacation account. I called into Experian and sat on hold for an hour. The rep took my information then said he does see my dispute. He then said Experian did not have to respond and the company said my dispute is not valid. I asked that they send dispute results via USPS. He proceeded to tell me unless I'm sending proof the account remains, I can not dispute again and NO results would be sent to me. At this point I became upset as I know he has to send me results of the investigation for my records. I told him I need results and he simply hung up on me ... without ever filing my new dispute.

I called back and sat on hold for another 45 minutes prior to ending the call. At this time I am drafting a dispute in writing again and sending via USPS. I need a result for this. The account is missing information, has not had in greater than 7 years, and I do not believe it is mine. This account is reporting with so many errors and Experian is the only one reporting it. They won't respond to any of my attempts to dispute this and simply hang up when I 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 2019-01-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc.
State: TX

Complaint narrative:
Amsher collection agency is claiming we owe a debt for a XXXX XXXX account based on an address in DE. We have only EVER lived in TX. The amount is {$650.00} or {$650.00}. We disputed this through XXXX and the response received the next day simply says the collection agency certified the debt is correct. XXXX knows ALL of our data is in Texas. Address, jobs, home loan, etc is ALL in TX. 

AMSHER COLLECTION SVCS,XXXX Original Creditor XXXX XXXX Open Date XX/XX/2018 Balance {$650.00} Debt {$650.00} Contact Information XXXX XXXX XXXX XXXX , XXXX, AL XXXX, ( XXXX ) XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I was added as an authorized user on my Husband 's citicard. We have been divorced since XX/XX/2018. I called Citi XX/XX/2018 and asked them to remove my name as an authorized user, and they refused to remove me. They said I needed to have my ex husband remove me as an authorized user. My ex husband refuses to do this and I have continued to try to get him to. His spending and bill pay habits are negatively affecting my credit score and I would like them 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 non-monetary relief
Consumer complaint received 2019-01-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Recent app with Wells Fargo- I have been with XXXX/Wells Fargo since 1987, checking, savings, and in the past CD 's and securities. When I got sick and had to close all of these except for checking, they will no longer approve any kind of credit card because I have no current credit..I have insurance taken out for last ten years never had overdraft, only when I went on SS did they say I no longer guailify for credit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Maury Cobb, Attorney at Law, LLC
State: IL

Complaint narrative:
In XXXX, i cancelled my account due to moving back to XXXX XXXX for 6 months. 
So i made sure i do not owe them anything before i close my account. I called them to make sure to close my account when i left. 

In XXXX, i found out that they charged me till XXXX which i cancelled already. So i contacted XXXX but my account was closed. I was not able to login since it was closed so i sent them an email stop charging me the service that i do not use and the account that they already closed. 

And today, i got a call from debt collector that i owe them XXXX dollars which does not make sense. 

So i contacted XXXX and they knew it was their mistake but they already sold this case to a debt collector so they cant do anything. 

I never used any service between XX/XX/XXXX- XX/XX/XXXX and i was not even in a country. I called several times to make sure my account is closed and they closed it since i was not able to login to my account at all. 

I would like to make sure this debt that i do not owe affect my credit and i will not pay a dime for service that i did not used and caused because of company 's fault. 
Please help me out!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
In XX/XX/2012 my auto payment ( {$400.00} ) was returned because my account information changed after my card was stolen. I paid the amount and the next payment due as soon as I knew about it but they still reported it as late. I never had any other late payments with them and even paid early sometimes. It was just a fluke that that particular payment was returned and I would like it removed from my credit report. I called Chase to see if they would forgive the late charge but the rep said they could not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
I was issued an inaccurate XXXX. Citi sent the wrong numbers to the IRS. They claimed to have paid me {$800.00} in 2018 interest. In fact, they only paid me {$400.00}.

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 2019-01-23 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: MS

Complaint narrative:
On XX/XX/2018, I sent a debit validation letter to XXXX XXXX asking them to send proof of the debit they say I owe. I sent a certified letter to the creditor. This certified letter was delivered on XX/XX/2018. I have yet to receive a response from the collection company validating this debit. I ask the credit reporting agency to validate the debit and they have yet to validate this debit. By law they have 30 days to response to a consumers request. Please check into this matter immediately.

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 2019-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I have signed all Wells Fargo contracts that require my signature with XXXX XXXX XXXX and I have also wrote and signed my AFFIDAVIT that was noteized by an Notary with XXXX XXXX XXXX signing it with my signature, That the charge from XXXX is FRAUD/Fraudulent charge Not In My Name I was giving refunds back from cancelled stays and an {$34.00} dollar food refund and because of this WELLS FARGO said it was for a stay for over {$450.00} the amounts credited back to me was done as different refunds the amount of {$450.00} was done as one charge and the amounts of {$160.00} doesn't equal up to {$450.00} WELLS FARGO BANK trying to extort money from me I don't owe I have told them to show me proof that the charge from XXXX  that shows my name on the charge from XXXX with my name on it and WELLS FARGO has refused to do so staying the charge is mine Show The Proof it SHOWS MY NAME and show where I was refunded back {$450.00} for an Fraudulent charge I have disputed I HAVE RIGHTS AND WELLS FARGO SAID THAT PROTECT YOU FROM FRAUD..

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 2019-01-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: TX

Complaint narrative:
WE REFINANCE IN XX/XX/2018, A FIXED LOAN FOR 30 YEARS WITH XXXX XXXX TO LOWER INTEREST RATE AND CASH OUT, BUT NEVER WAS TOLD THAT SOME OTHE COMPANY WOULD BUY OUR LOAN, WOW, THE FIRST ONE DID AND THEIR WERE NO CHANGES, THIS SECOND COMPANY PURCHASED OUR LOAN SPECIALIZED LOAN SERVICINGLLC XXXX. XXXX XXXX XXXX, CO XXXX-XXXX APPRAISED AT XXXX WELL MY HOUSE NOTE WENT TO XXXX IF THEY PURCHASED OUR LOAN WHY DID THEY NOT PURCHASE IT AS IS. 

I HAVE BANK WITHDRAWAL AND THIS AMOUNT WAS A SHOCK. YES I CALLED THEM AND THEY EXPLAINED THEY WE DID NOT HAVE ENOUGH EQUITY, OK TO US THEY SHOULD JUST LEFT IT WITH THE OTHER OWNER. I NEED SOME HELP ON THIS AND TRYING TO LOWER MY PAYMENT.

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 2019-01-23 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
ON XX/XX/2019 AT APPROX XXXX AMERICAN EXPRESS CONTACTED A THIRD PARTY REF. MY ACCT WITH THEM. THEY LEFT A MESSAGE REQUESTING I CALL TO DISCUSS A PERSONAL MATTER RELATED TO MY CREDIT CARD. THE NUMBER THEY CALLED WAS XXXX. THIS NUMBER IS A RELITIVE AND I DO NOT LIVE THERE. AMERICAN EXPRESS HAS MY CORRECT INFORMATION RELATED ON HOW TO CONTACT ME. THIS IS IN DIRECT VIOATION OF 15 USC 1692C ( B ) AS IT RELATES TO THIRD PARTY CONTACT. AT NO TIME DID I GIVE AMERICAN EXPRESS ANY PERMISSION TO CONTACT A THIRD PARTY REF.. MY ACCT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: MO

Complaint narrative:
Hello, I'm Moneygram International costumer. Would you sent this message to Moneygram International Financial Department because I can not find their email address. Please! 
I just notify them that I never received the refund back transactions I made in XX/XX/2018, XX/XX/2018, XX/XX/2018. I canceled those 'cause the receiver no longer needed money. 
XXXX XXXX ref No : XXXX Amount : XXXX $ and XXXX XXXX Ref No : XXXX amount : XXXX $ XXXX XXXX Ref No XXXX Amount : XXXX $ Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
Chase Bank promised that no further Charges would be made by XXXX after XX/XX/2019. Chase Bank reneged on the agreement to not allow any further Charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23 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: ARS National Services, Inc.
State: TX

Complaint narrative:
I sent a letter to XXXX XXXX XXXX requesting that they validate Not verify a debt that they are reporting to the three credit bureaus. I specifically asked for a signed agreement and other supporting documentation. They provided me with no documentation to prove that I am obligated to pay them anything only a ledger. They have reported delinquent information to the credit bureaus that I am asking to be deleted.

Company response to consumer: Closed with explanation