vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-18 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: WA

Complaint narrative:
I made a purchase from XXXX XXXX for two pairs of glasses. They were not at all as described. I tried to return them but I would only get a partial refund. I completed a benefit request through Citi and they declined it because they said I was getting some refund. But Im not getting a full refund. Partial refunds to buy the same thing that is not as described is meaningless. Why offer credit card benefits to protect against these things if you really wont protect your customers? I wasted my time and effort across the board on this. I should be protected. The items not as described. I shouldnt even have to waste my time and effort on this. There are other credit cards and Im going to use those moving forward. But I want this issue resolved. Ive wasted some much time and effort that its ridiculous. Provide the customer protections on the card you say you provide!

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 2019-05-18 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XX/XX/2018 XXXX XXXX also know as XXXX XXXX XXXX pulled my credit and I didn't sign to have it authorized. Once I found out they pulled my credit they had me come back in, and they said I filled out a form which I did but I didn't sign it and told them NOT to pull my credit. ( Wasn't even there to shop for a car ) They said they would fix it and have yet to do it. I have called and sent letters and disputed it with all 3 credit bureaus and nothing. 

XX/XX/2018 XXXX pulled my credit I authorized them to pull it but again told them only once. They pulled it 8 times between all 3 credit reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   I have tried to dispute with reporting agencies, I've sent letters and called the companies. No one will help me. 

XX/XX/2018 same thing happened when trying to buy a car at XXXX XXXX XXXX XXXX. They were again told not to pull my credit but once, they too pulled it 8 times. They were pulling my credit after we had already bought the car! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I did not authorize all these inquiries and the are hurting my credit. I've tried everything to get them removed. 
T

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I purchased merchandise in XX/XX/XXXX and paid through my bank on time, however, the company claimed my payment was received a day late. I called in XX/XX/XXXX and explained the situation and they waived the late fees as a courtesy, and informed me that my account was zero. Thereafter I started receiving late fees again after my account was zeroed. I don't understand why I have to keep paying fees if my account was cleared in XX/XX/XXXX. The problem is that I am a full time employee and night time XXXX so I didn't even see the late fees until XX/XX/XXXX - by now they are compounded and I don't know what to do. They should be ashamed for exploiting customers like this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Finance Company, Inc.
State: NV

Complaint narrative:
I noticed on my Credit Report that I had 2 collections. I had not been contacted by anyone, I filed a dispute with XXXX XXXX. They claim that the info was correct. I contacted the first Creditor, XXXX XXXX XXXX ( collection company was XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX ) They said that it was an open account and that I owed it. I could not find any record of my paying them, so I contacted XXXX XXXX XXXX and they said I owed {$180.00} I paid them that amount in full on XX/XX/19 Have a Conformation No. As of today XX/XX/19 still showing open account not paid. I contacted the 2nd Collection reporting creditor XXXX XXXX XXXX XXXX XXXX XXXX NV. XXXX Phone XXXX ( collection agency Professional Finance Company XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX ) XXXX XXXX told me that this was for an Emergency Room visit, and this was my portion that the Insurance did not pay. I told them that I got the billing statement from them and made payments. They said that since I did not set up a payment plan with them they sent it to collections. They said that was for something else. I asked them to send me a Detail Billing of all  accounts, which they did. When I compared the Billing account with my Bank payments it shows that I paid the amount that XXXX  claims I owed. I also have monthly billing statements that XXXX  sent me showing that I was paying down the account. I sent copies of all of these things to XXXX in a 2nd dispute on XX/XX/19. They responded saying they talked with ( I'm assuming that they talked with both XXXX & Professional Finance ) and said that the account was still owed. I don't understand how they can come to that conclusion when I sent them proof showing otherwise. This should never have gone to collections to begin with.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-18 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: EQUIFAX, INC.
State: GA

Complaint narrative:
In XX/XX/XXXX I financed a vehicle with The XXXX XXXX XXXX XXXX, terms 75 months. XX/XX/XXXX, I received a congratulations letter advising me that in 90 days from this date my loan will reach maturity, and to please accept that letter as a notice of important lean ending information. 90 days from XX/XX/XXXX would be XX/XX/XXXX. I paid my payments, received my title, and assumed all was well. 

In XX/XX/XXXX I learned my Identity had been stolen, I began the process of rectifying this. In review of my credit reports, I came to realize that The XXXX XXXX XXXX XXXX ( XXXX XXXX ) had reported 30 & 60 days past due for XXXX & XX/XX/XXXX, but I paid my loan of in XXXX, as per all my statements and my congratulations letter! 
I immediately filed a dispute with the credit bureaus & contacted XXXX. 
On XX/XX/XXXX at XXXX, I spoke to Customer Service Supervisor, XXXX XXXX who advised me to send him an email with my payoff letter, and a copy of my credit report to show how it is being reported, as it was not that way on his end. ( I paid the car off in XXXX, a year prior to this conversation ) On XX/XX/XXXX, XXXX, XXXX XXXX responded via email, advising me he would be reversing the credit Hit for XXXX & XX/XX/XXXX, and to allow two credit cycles for the change to take effect. As of this date, the only other month that was reporting 30 days past due was XX/XX/XXXX, which is legit. During the life of the loan I hit 1 hardship, and requested the XX/XX/XXXX payment be placed in the rears, I paid the interest only. I have attached a copy of my credit report before the dispute & after the dispute. 
On XX/XX/XXXX, I received a notice from XXXX that my credit score decreased due to XXXX   reporting. XXXX XXXX did correct there reporting error for XXXX & XXXX of XXXX, but for whatever reason added 5 NEW 30 days past due. This is absolutely false, and I have been battling XXXX & the Credit Bureaus since. I reached out to XXXX XXXX via email to ask why he did this, and he claims he did not, he requested I send him a copy of my report again, stating Not sure what could have happened. 
I have sent countless disputes, & letters to XXXX & the credit Bureaus, providing copies of how it was reported before I did the dispute & after, but nothing ever changes. 
THIS IS JUST A LIE, I would have been better off not disputing the pay off. 
I satisfied my loan in XXXX, just as I was supposed to. XXXX reported incorrectly in the end. It took me 1 year to realize the error, and requested this reporting error be corrected in XXXX, 1 year after loan was closed. 
XXXX  corrected their XXXX error, in XX/XX/XXXX. However, they decided to falsely report " new '' late payments from XXXX & XXXX, THAT WERE NEVER REPORTED BEFORE. This is really hurting my credit, & enabling me to get credit extended for my new business.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-18 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: TX

Complaint narrative:
XX/XX/2018 XXXX XXXX also know as XXXX XXXX XXXX pulled my credit and I didn't sign to have it authorized. Once I found out they pulled my credit they had me come back in, and they said I filled out a form which I did but I didn't sign it and told them NOT to pull my credit. ( Wasn't even there to shop for a car ) They said they would fix it and have yet to do it. I have called and sent letters and disputed it with all 3 credit bureaus and nothing. 

XX/XX/2018 XXXX pulled my credit I authorized them to pull it but again told them only once. They pulled it 8 times between all 3 credit reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have tried to dispute with reporting agencies, I've sent letters and called the companies. No one will help me. 

XX/XX/2018 same thing happened when trying to buy a car at XXXX XXXX XXXX   XXXX. They were again told not to pull my credit but once, they too pulled it 8 times. They were pulling my credit after we had already bought the car! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I did not authorize all these inquiries and the are hurting my credit. I've tried everything to get them removed. 
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 2019-05-18 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XX/XX/2018 XXXX XXXX also know as XXXX XXXX XXXX   pulled my credit and I didn't sign to have it authorized. Once I found out they pulled my credit they had me come back in, and they said I filled out a form which I did but I didn't sign it and told them NOT to pull my credit. ( Wasn't even there to shop for a car ) They said they would fix it and have yet to do it. I have called and sent letters and disputed it with all 3 credit bureaus and nothing. 

XX/XX/2018 XXXX pulled my credit I authorized them to pull it but again told them only once. They pulled it 8 times between all 3 credit reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have tried to dispute with reporting agencies, I've sent letters and called the companies. No one will help me. 

XX/XX/2018 same thing happened when trying to buy a car at XXXXXXXX XXXX XXXX XXXX. They were again told not to pull my credit but once, they too pulled it 8 times. They were pulling my credit after we had already bought the car! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX  I did not authorize all these inquiries and the are hurting my credit. I've tried everything to get them removed. 
T

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 2019-05-18 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I disputed a collection on XX/XX/2019. It still say pending. It has been removed from XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
This account is more than 7 years ago. I have not received any information in regards to this account. I have sent a verification letter and have not received any communication from them. They failed to respond to my request

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 2019-05-18 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Optimum Outcomes, Inc.
State: WI

Complaint narrative:
Optimum Outcomes - XXXX XXXX XXXX # XXXX, XXXX, NC XXXX I recently contacted the above company by mail concerning verification of debted accounts. I requested original documents that they have with my signature connecting me with those accounts which I have the right according to the FDCPA. They have not provided me with the said request thus far. By reporting this to the credit bureaus they have damaged my reputation and credit worthiness, and may be in violation of other federal laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-18 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Scheer, Green & Burke L.P.A.
State: NC

Complaint narrative:
Threatening me with civil action

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Confusing or missing disclosures
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Complainant, XXXX XXXX and wife, XXXX XXXX had and have a home mortgage ; line of credit and bank accounts with Wells Fargo Bank ; Wells Fargo Financial Services and Wells Fargo Dealer Services since 2003. We were abused and lied to by Wells Fargo and Wells Fargo Home Mortgages and Wells Fargo Dealer Services. We independently enrolled in the Wells Fargo Class Action suit. We have yet to receive our remedies and compensation from this settled suit.

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 2019-05-18 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There is an education loan on my account in the amount of {$10000.00} opened on XXXX. The loan was cancelled and immediately paid back in full to XXXX ( Loan Servicer ) on behalf of the Department of Education. There is a {$0.00} balance on the loan and has been for nearly a year now. I have contacted the creditor and they concurred that there is a {$0.00} balance and they have no idea why Experian is reporting a balance and / or refusing to fix it. 

InXX/XX/XXXX I disputed that entry into my credit report twice via their online app and supplied them with documentation validating a {$0.00} balance. I have my reservations that they even looked into the 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 2019-05-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: MA

Complaint narrative:
I had a credit card taken out under my name and the debt was charged off by the creditor. i put a dispute for this debt on my credit report several years ago and officially responded several times to the collection company that the debt is not mine. I asked several times for proof with an application and statements that this debt is mine and they have refused to provide this to me.They continue to harass me an are trying to take me to court for this. I have taken all of the necessary steps to let this collection company know that this debt is not mine and they are still harassing me. This needs to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-18 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Home Loan Center, Inc.
State: GA

Complaint narrative:
I was contacted by some people claiming to be Lending Tree and it turned put to be a scam and fraud. They said they would give me a {$500.00} to {$1000.00} dollar loan and that would boost my credit score and then would give me a larger loan. They deposited {$860.00} into my account, and then said they wanted me to send {$500.00} back to them on a prepaid card to repay the loan before sending me the larger amount. I spoke with my bank and found it to be fraud. I had to close my account and reopen etc.. the number is out of North Carolina I believe and I'm in Georgia . The number they used is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: CREDIT ACCEPTANCE CORPORATION
State: AL

Complaint narrative:
I went in to purchase a car that was on XXXX XXXX website for XXXX after paperwork was all done they charged XXXX for the car on XX/XX/24 before signing any paperwork I asked the dealer was the XXXX is what I was paying for the car the dealer assured me that I wasn't and said look at the sales contract which stated it was aroundXXXX. I received my paper from credit acceptance and it showed that I had a balance of XXXX. I contacted credit acceptance they advised me the dealer is the one that did contract and to contact them. I went back to the dealer and told them the ordeal and one of the dealers stated " I did not make u buy this car nor I did not show u this car ''. Basically saying they don't care they have thier money. So now I'm stuck in a 60 mos lease paying XXXX for a XXXX dollar car. This is obsurb.

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 2019-05-18 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: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
Chase has discontinued fraud protection by removing the ability to dispute unauthorized charges. Their online form is no longer available directing you to call, which then informs you that charges sometimes have " different labels '', but no options to dispute charges that are known to be fraudulent. This follows what I consider to be harassment by the " Fraud department '' that forced a new card number on me despite no problems with my previous number, only Chase 's refusal to send a new card upon expiration. Now I have a new credit card number that has been promptly compromised with no option to dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-18 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: AmeriCollect
State: WI

Complaint narrative:
Americollect XXXX XXXX XXXX XXXX, XXXX, WI XXXX I recently contacted the above company by mail concerning verification of debted accounts. I requested original documents that they have with my signature connecting me with those accounts which I have the right according to the FDCPA. They have not provided me with the said request thus far. By reporting this to the credit bureaus they have damaged my reputation and credit worthiness, and may be in violation of other federal laws.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-18 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Continental Services Group, Inc. d/b/a ConServe
State: NY

Complaint narrative:
My school loan was defaulted abruptly, And I wasnt given a fair and reasonable chance to make a payment I was immediately sent to collections which has resulted in my score being Ruin, and me not being able to secure any financing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KY

Complaint narrative:
I have a credit card from Bank of America and was offered a 0 % loan from the credit card with a 3 % fee. I took a loan from the credit card at 0 % interest and have been making minimum payments that go to  principal. 

For XXXX, XXXX, and XXXX credit card statements, I have been charged a {$1.00} fee for " minimum interest charge '' that shouldn't be there. Bank of America does not allow me to contact them about this via email or chat, only over the phone. I don't have time to take time off from a work day and sit on the phone with Bank of America for hours, which is what they are counting on by refusing to use email, chat, or secure message for communication.

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