vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: B&F Finance Corp.
State: OK

Complaint narrative:
Hello My name is XXXX XXXX and I was experiencing XXXX  pain from my XXXX  and unable to XXXX. This problem continued for over several months and affected me to the point were I was unable to work which caused me to get behind on all of my bills. I finally realized I need to seek medical attention but could not afford to pay {$100.00} copay and additional money needs if prescriptions were ordered so I went to B & R and obtained a signature loan. I went to doctor and several tests were ran and I was diagnosed XXXX positive and advised it might be causing the additional XXXX issues. The medical problems continued due to the medication needed was over {$2000.00} and I just didn't have access to that kind of money and I also was embarrassed and fearful after receiving diagnosis that my job would find out and terminate me so I was being seen as uninsured. B & R called regarding payment and I advised of my inability to pay at this time due to out of control issues. That's when the repeat calls started and I spoke with each person within their office and explained the situation somewhat but told them it was related to IRS issues. I couldn't gain the confidence to disclose the real reason I was unable to work. They called and threatening wage garnishment, disclosed wage garnishment to all my references, left wage garnishment information on my cellphone and at my job. They left message stating that I would be terminated from my job at law firm if they file wage garnishment. They stated that I was avoiding their calls and that I was a terrible person because I stopped communicating with them. They advised me that when they gave the loan I was okay but now that I cant pay I am a terrible person and need to pay up. They advised me instead of paying my rent I can pay them and live in shelter or stay with family and friends. These actions taken by the company has me stressed and adding to medical issues i am battling.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08 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: NJ

Complaint narrative:
I filed a dispute claim on XX/XX/2019 to Citi Bank Credit card for not getting the quality of services of goods i ordered from a store that is walking distance away from my home. I ordered windows for home to be energy star comply with the area and state where i live but i received a bow window with different design than i asked for and other windows were not energy star comply. the merchant didn't provide me with any paperwork or had me to sign for product description for non return policy. the credit card company denied my dispute while i provided what they asked for and attempt to return the product by talking to people in the store ; credit card asked for tracking number or any approve of attempt to return product, i tried to explain that the store is a walking distance away from my home and i tried to return the product be they didn't accept it and the merchant was very rude talking to me. I told the credit card investigator that the merchandises are available to be return anytime as i purchased what i was supposed to get from different supplier. I feel like i got ripped off and credit card company is standing with the merchant for no clear reason!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08 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: CA

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-08 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: CA

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08 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: OH

Complaint narrative:
What I got the card. I was making payments on time and realize they were not processing right away and they would process them only after they charged me a late fee I tried to close card. Original amount was only {$800.00} now it's over {$1400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BB&T CORPORATION
State: MS

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08 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: GA

Complaint narrative:
I submitted an online dispute with Experian on XXXX in reference to a collection account with XXXX XXXX XXXX. The collection was paid in full to a company other than XXXX XXXX. I was notified that XXXX XXXX no longer owned the account and could not accept payment. The results came back on XX/XX/XXXX and Experian reported the account as still open and not paid. On XX/XX/XXXX, the account status was updated as being paid, however Experian did not address the fact that under the FCRA, an account can not be reported or updated if the reporting company no longer owns the debt. At the time of payment XXXX XXXX XXXX   XXXX owned the debt and that is who received the payment in full ... not XXXX XXXX. Experian told me that they were unable to open a new dispute because the account has been paid and advised me to wait 7 years until the collection is removed even though the information regarding the owner of the debt is incorrect. This is illegal

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08 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: VA

Complaint narrative:
Two charges of {$140.00} and {$1400.00} were added on XX/XX/19 to my CHASE/AMAZON card, for a total of {$1500.00}. On the same statement I noticed a QUALIFIED PROMOTIONAL FINANCING transaction of {$1500.00} The charges were made to my account at that time : XXXX XXXX XXXX XXXX. ( Cancelled. ) My new account is : XXXX XXXX XXXX XXXX. 
I did not authorize these two transactions. 
In a phone call to AMAZON, they did not provide information as to : 1 ) what the promotion was about ; 2 ) any details about the promotion ; 3 ) any data relating to my signature that would have approved the promotional transaction ; 4 ) any data as to what accounts the monies involved were deposited ; 5 ) what individual received the deposits.

My XXXX XXXX XXXX account does not show any such two deposits in the vicinity of the XX/XX/19 date. 
CHASE is charging me {$86.00} monthly to cover the cost of this fraudulent transaction. 
No agent at either CHASE or AMAZON has satisfactorily provided details as to my involvement in any such CHASE or AMAZON promotion.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collectibles Management Resources
State: CA

Complaint narrative:
I am a victim of Identity Theft

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
I fell behind my mortgage payment due illness and large Medical bill, my situation changed now and I ask SPS servicer of my mortgage to give me a payment plan to catch up with arrears, which I am willing pay along with my monthly payment, but they are no willing to do that they referred my account to an attorney for foreclosure, so far no date but it appears that it is imminent. I want to pay and keep my home.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08 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: CO

Complaint narrative:
On XX/XX/XXXX, I disputed a {$2000.00} UNAUTHORIZED charge on my credit card with Chase card services. Chase 's investigation concluded that I am responsible for the charge because they believe I have benefited from the transaction WITHOUT providing an invoice or contract for services or products. I have been requesting PROOF of the benefits I received for this {$2000.00} since XX/XX/XXXX. The only document Chase provided is an automatic email from XXXX showing the merchant has charged me the {$2000.00}. 

In addition, I provided Chase a text message from the Merchant stating that he made a mistake charging me and claimed he has issued a refund. I did not see the refund on my card nor did I have PROOF from Chase that they PAID the merchant. 

Under federal law, I am only required to pay a maximum amount of {$50.00} for the fraudulent charges made to my credit card account. 15 U.S.C. 1643 ( a ) ( 1 ) ( B ). As such, the burden of proof is on Chase to prove that I benefited or authorized the disputed charge. 15 U.S.C. 1643 ( b ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-08 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: TX

Complaint narrative:
Equifax and XXXX  are reporting incorrectly that I am ( 120 ) days late on the XXXX partial account numbers XXXX ; XXXX ; XXXX ; and XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-08 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: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
This account has been closed but it is still reported as late payment on my credit report. Remove this account from my credit report but it is negatively affecting it, thanks and I will be expecting your reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08 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: ACIMA CREDIT, LLC
State: OK

Complaint narrative:
We purchased some beds from XXXX XXXX. While we were there the company stated that they were not going to go through one finance company but another one. So after a few months we got that one paid off. Then another company ( Acima ) tried taking money out our bank account. We were not sure who they were so we  filed fraud. We called Acima and they told us to call XXXX XXXX. We called XXXX and they said we see you with the other company ( snap finance, the one we paid off ) so we reported fraud. We tried to talk to Acima several times but all that was said was to contact XXXX. We finally called XXXX again and got someone else ( the back and forth had been going on for months ) the new guy said no you got beds through XXXX and mattresses through other company. We immediately called Acima explained everything and got up to date and have been up to date since. The owner of XXXX tried to call Acima to straighten everything out as well and they would not talk to him as he is not on the lease. A supervisor stated they would take off the 60 day late off of XXXX because of the HUGE mishap as it was not our fault. She said to dispute on XXXX so it could be updated and fixed. We disputed on XXXX. It showed we were up to date but the 60 days has not been taken off. We have been back and forth with Acima and a gentleman there named XXXX stated someone named XXXX who is in charge of the credit department would call us the next day so we could get XXXX fixed or get sent a letter of deletion which still has not happened. We have been calling and back and forth with Acima all week and have not gotten anywhere. They told us they would remove the 60 day late fee on XXXX as it was not our fault. We need a letter of deletion to be able to do it ourselves and everything I have stated IS IN THEIR NOTES.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08 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: TX

Complaint narrative:
I had the absolute worst experience with my new Citi card. On XX/XX/XXXX I called about a transaction ( XXXX ) that I wanted to dispute because I could not use that merchant services and did not get a resolution from them in terms of cancelling those services and getting my full refund. The citi representative advised me to close the card so that pending transaction does not go through in the first place and that they would send me a new card. Long story short that was a misinformation because the transaction did post and I ended closing that card for absolutely no reason because they never processed that dispute and it took 4 more calls to get that new card shipped to me. I called Citi again this morning XX/XX/08 to see what the status of the dispute is and why I can not see the temporary credit that I was promised on one of those calls but again I did not get any help at all. In fact the account supervisor XXXX ( ID # XXXX ) did not find any dispute in her system andwas the rudest and most incompetent customer service rep I've ever dealt with.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Phoenix Financial Services LLC
State: OK

Complaint narrative:
I was about to apply to rent a new home, and I noticed a new collection on my credit report ( I have XXXX  XXXX with XXXX XXXX, so I check it monthly since it is free ). I didn't recognize the amount, so I called the company Monday ( XX/XX/XXXX ) to find out who they were and what this bill was for. I have a medical debt from XXXX of XXXX that was sold to Phoenix Financial Services in XXXX of XXXX. They have re-aged this debt ; it should come off of my credit this XXXX, but the representative told me that it will now show up on my credit until XXXX of XXXX unless I pay them. I believe this is a violation of FCRA 623 ( a ) ( 5 ) ( A ). I do not have the name of the man I spoke with, but the number to the company is ( 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 2020-01-08 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: TX

Complaint narrative:
XXXX  and Transunion are reporting incorrectly that I am ( 120 ) days late on the XXXX partial account numbers XXXX ; XXXX ; XXXX ; and XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CHARLES SCHWAB CORPORATION, THE
State: FL

Complaint narrative:
In XXXX of 2019 I opened an account with Charles Schwab for banking and investment purposes. Upon opening the account I additionally opened an XXXX XXXX Charles Schwab Platinum card, which is only available to Charles Schwab customers. The card allows customers to cash out their XXXX XXXX Membership Rewards points to a Charles Schwab account. 

Several days ago I attempted to cash out some of my Membership Rewards points and encountered an error. I tried to log into my Schwab account and had trouble there as wel. I called into their customer service line and was informed my account had been closed - though I had received no reason why and no warning before hand. This was confusing to me, as I had just opened the account and still had no activity on it. Several years ago I likewise had a Schwab account that I utilized for bank deposits and basic banking for my investment properties, and this account was likewise terminated without warning. When I asked for a reason back then, I was provided none and only told it was a " business decision. '' However, I was told I could reapply for an account at a later time - which is what I did in XX/XX/2019. 

Yesterday I emailed some members of the Client Services division at Schwab and a gentleman there gave me a call after doing some research and once again was unable to provide a reason for the closure. He merely stated it was a " business decision. '' I pressed for a valid reason for the closure, and he refused to provide one. 

This is confusing to me as I have never had derogatory marks on my credit or XXXX  reports. My wife and I pride ourselves on our finances. We own several investment properties, diligently monitor our stock investments, hold no credit card debt, and are generally very good with our money. All this to say - I have no idea why the bank sees me as a risk and refuses to allow me to keep an account open with them. Moreover, I am incredibly frustrated that they absolutely refuse to provide a reason for this closure. 

Banks nowadays seem to hide behind their " terms and conditions '' while avoiding common decency and customer service. 

I am someone willing to be a customer of the bank, willing to invest with them, and they refuse for no reason at all. Even more, I opened a credit card and received a credit inquiry because the initally approved me for a checking account and made me eligible for the XXXX XXXX Schwab Platinum card. Now with my Schwab account closed, I will be forced to close my XXXX XXXX account which will further negaively impact my credit. 

Schwab should reopen my account or provide adequate explanation for why they have closed 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 explanation