vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-15 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: NV

Complaint narrative:
Hello me and my wife traveled to XXXX XX/XX/XXXX to XX/XX/XXXX. We had purchased return home flights months before we went. At the end of XXXX is when the pandemic hit and the world was shutting down. Our return home flight was canceled, we would purchase another one and it would be canceled again, this happened several times. We finally found a flight on XXXX ( on Wednesday XX/XX/XXXX ) XXXX  had asked for our passport info. while booking these flights. This flight had a connection flight in XXXX, XXXX. When we got to the XXXX airport the next day ( Thursday XX/XX/XXXX ) for our flight, we were told we could not get on a flight to XXXX. XXXX closed its boarders to non-citizens on Monday XX/XX/XXXX. We tried getting help from XXXX  to get a refund or transfer the money to another flight with no help. We tried talking to the airlines directly with no help. We ended up getting a flight home with the help of the airport staff. Once we got home we filed a charge back with the credit card company that we used which was Citi. This was {$1900.00} in flights that we couldn't get on and XXXX was not helping and neither were the airlines. Citi gave us our money back but then took it back 2 months later. We kept the dispute open and spoke with someone about what a scam XXXX  is. There is even a XXXX   group about XXXX that I have looked to for answers, there are over XXXX members. We received a letter from Citi 3 months later saying that due to the time frame they are not able to help us and closed the case even though when we initially filed it was well within the 30 days. XXXX said that refunds could take up to 6 months. It's been well over that. XXXX is a terrible scam company and needs to be shut down. There are 2 issues here and I am asking for a charge-back due to non receipt of goods purchased and/or services. I would like to exercise section 75 of the Consumer Credit Act 1974 and get a charge-back in the amount of {$1900.00}

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 2020-10-15 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME ACCOUNTS AND INQUIRIES THAT HAVE BEEN REPORTING ON MY CREDIT WITHOUT MY KNOWLEDGE. I HAVE NOT AUTHORIZED THE ACCOUNTS AND INQUIRIES. THE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF STRESS ON MY CREDIT FILE. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM DELETED AND REMOVED FROM MY CREDIT FILE AS SOON AS POSSIBLE.

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 2020-10-15 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME ACCOUNTS AND INQUIRIES THAT HAVE BEEN REPORTING ON MY CREDIT WITHOUT MY KNOWLEDGE. I HAVE NOT AUTHORIZED THE ACCOUNTS AND INQUIRIES. THE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF STRESS ON MY CREDIT FILE. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM DELETED AND REMOVED FROM MY CREDIT FILE AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I called XXXX, after getting the telephone number off their website on the computer. I talked to a guy who told me that I was over-charged for item / items and I '' ve an refund coming to my account. He told me he had to do a remote sharing on my computer with me to deposit the refund. When he was on my computer, he started down-loading XXXX Gift Cards ( {$60.00}, {$40.00}, {$30.00} ) XXXX 'XXXX  amount {$130.00}. Chase says the amount is {$160.00} is what's owes? I went to Chase Bank office twice, once in XXXX and once in XXXX of 2020. Back in XXXX I talked to a banker at the bank who told me not to worry about it I did not have to pay it and gave me a print-out of XXXX- balance. That night I checked my Chase/XXXX   account that said XXXX- balance, I also recevied a letter from Chase saying " The Fraud Department rules in your favor in this matter, this is XX/XX/2020. In XX/XX/2020 I received a letter from Chase informing me that I owed {$160.00} for the purchase of XXXX Gift Cards. I went to Chase Bank, talked to the Banker a second time along with his boss about the matter. They said " they don't know why this is happening to me? " At this point, it's time to get some Third Party Assistance, CFPB.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-15 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Berlin-Wheeler, Inc. (Kansas)
State: AZ

Complaint narrative:
This collection agency will not accept my principal balance and will only accept payment if I pay their collection fee of {$63.00}. The business in which they are attempting to collect the debt on behalf of insists they should waive the collection fee. Both companies provide different information and neither will accept the principal payment. 
The collection agency of Berlin Wheeler called my parent 's home in which is illegal and had no right to contact anyone besides myself. If this continues I will pursue legal charges. No contact to be made to any other individuals besides myself.

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 2020-10-15 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
Ref. : XXXX Loan # XXXX -Property Address : XXXX XXXX XXXX XXXX, XXXX, CA. XXXX - XXXX XXXX  , XXXX - Loan Number : XXXX +++++++ Dear Sirs, Greetings, with reference to the above mentioned Mortgage Loan that was initiated and completed by Owning Corporation on / about XX/XX/XXXX , I would like to direct your respectful agency to the following errors, omissions and negligence in fulfilling its terms and conditions : 1. Specialized Loan Services purchased and/ or currently servicing the above mentioned loan as XX/XX/XXXX from your client XXXX XXXX XXXX. ( DEBT COLLECTORS ) 2. We gave clear instruction via phone, certified mail, fax, wrote on the payment coupon and posted on the check itself that ; >>>>>> ALL PAYMENT MADE IN ADVANCE TO BE APPLIED TO THE FOLLOWING MONTHS PAYMENT, AND NEVER APPLY TO THE PRINCIPLE! <<<<<<< 3. Since XX/XX/XXXX, we contacted Specialized Loan Servicing almost every two weeks via phone, e-mails and in writing to correct the errors, omissions and negligence that plagued this account by applying the payments correctly to the following months required payments to no avail. 

4. Specifically ; we made a payment to XXXX XXXX  XXXX On XXXX, XXXX, XXXX that was again mis-applied to the principle and Specialized Loan Servicing purchased this account thereafter, therefor Specialized Loan Servicing is directly responsible for the correction and to process the proper credits to our account. 

5. As a result ; XX/XX/XXXX payment should not got to the Principle, but to be applied to XX/XX/2020 month required payment. 

6. Therefrom, our required monthly payment should be due in XX/XX/XXXX. 

And many others, in addition to over 15 e-mail to your Customer Support team who responded with a receipt and promised investigation of the matter, to no avail.

>>>>>>>>> Violations <<<<<<<<< ( DEBT COLLECTORS ) Specialized Loan Inc and XXXX XXXX  XXXX violated : Our Civil Rights by committing a persistent and egregious violations of " Fair Debt Collections Practices Act '', " Fraudulent '' intent to force a default on the account that was paid in advanced, " Unfair Business Practices '', " Mental and Emotional Distress '', " intentional harm and deceit '' and " Bad Faith '' in conducting business. 

1. Specialized Loan Servicing XXXX. XXXX XXXX, XXXX, CO XXXX 2. XXXX XXXX XXXX, XXXX - XXXX XXXX  XXXX. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA. XXXX We spoke to the following Customer Services Representative and Managers to you company, who promised corrections and proper credit to the account yet they failed to do so : I. Ms. XXXX Employee # XXXX II. Ms. XXXX Employee # XXXX III. Mr. XXXX Employee # XXXX IV. Ms. XXXX Emplee # XXXX VI. Mr. XXXX Georgia Location Manager

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 2020-10-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I had a Wells Fargo Credit Card since XXXX with a {$2000.00} limit. My account has always been in good standing but I travel often for business so I put my Card on Autopay and would sometimes call in to pay down the balance to keep it below 30 %. In XXXX I decided to analyze all of my charges since I had moved and cancelled a few things like Gym membership for example. Well I noticed that I was charged and had paid several items over the course of XXXX months on my bill that were to be removed. I filed a dispute with Wells Fargo against these companies for Autobilling and charging me without authorization. Wells fargo told me they would look into and get back to me and I would not be charged any interest or additional fees until it was resolved. This was in XXXX - XX/XX/XXXX when they told me this and I called every month to get resolution but was put on hold and shuffled around from person to person and departments trying to come to get this matter handled. This went on until XX/XX/XXXX when I noticed my bill went from {$1800.00} of which about {$1200.00} of that was in dispute to over {$3100.00} with all kinds of other charges and fees, keep in mind I could no longer use the card and was told by Wells Fargo my account was closed and that I owe them this {$3100.00} they told me that they can only go back 2 Months and credit me for any Billing errors and that was their final decision. I had made contact with their Fraud dept as well and no resolution. I then started receiving calls from a Third party Collection agency whom Wells Fargo sold my account to and was called and harassed day and night by these people after being shuffled around and shut down by Wells Fargo themselves. In XXXX of XXXX I hired a Credit repair company who had my file transferred back to Wells Fargo and they came to an agreement in which Wells Fargo had agreed if I had paid 40 % of the Amount they were seeking it would be closed as satisfactory and any negative item removed from my Credit Report as this has taken at least 80 points off of my Credit score. Well Fargo has not done any of what they promised and I have been put on hold for 2 hours, transferred between departments and told they never agreed to that when in fact the Representative told me by paying the 40 % amount this would close my case and appear as satisfactory and paid closed on my Credit report. They have lied and wasted 2.5 years of my time on this matter when I was initially told NOT to pay as they investigate any and all charges in Late XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-15 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: IN

Complaint narrative:
The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX  XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX CO XXXX Account Number XXXX XXXX XXXX CO XXXX Account Number XXXX XXXX  XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX   Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX, IN XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, IN XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, MO XXXX SINGLE FAMILY XXXX XXXX XXXX  XXXX XXXX, IL XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, IN XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 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: CA

Complaint narrative:
The reply of the company was that they are investigating. 

Why my file was closed then?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: FC HoldCo LLC
State: FL

Complaint narrative:
First, I had an car accident in XX/XX/XXXX, XXXX XXXX XXXX. The car was claimed totaled by my car insurance ( travelers ). I had to sign power of attorney to travelers insurance in which I did. XXXX   XXXX paid their part of the settlement on the XXXX. 

I also had gap insurance XXXX XXXX XXXX. They also paid their part of the settlement. This left a little over XXXX in interested to be paid. I called XXXX credit, the company that hold my car loan, I informed them that all parties have paid their part. I asked, why was my account still showing a balance. I asked about the principal and interest difference. I was told, I still owed the interest even if the balance was paid. I asked about making a smaller payments. I was told in XXXX they were waiting for an extended warranty payment. I could then possibly make smaller payment arrangement afterwards. I called back in XXXX. I was told they just sent out letter in XXXX, requesting for the extended warranty payment. I was told it takes about approximately 6 weeks. My account stills shows no update of a extended warranty payment. 

Meanwhile, the interest is steady going up on the car loan and my credit score has dropped more then 50 points. I am having a hard time resolving this matter and need some help. I assumed interested stopped once principal is paid regardless of how it paid.

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 2020-10-15 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: CA

Complaint narrative:
I have sent in 4 dispute letters and 1 Credit Bureau Verification Procedure Request and 1 Demand for Investigation all certified and notarized to Experian, XXXX  and XXXX. On XX/XX/XXXX first dispute letters were sent, XX/XX/XXXX second round of dispute letters were sent to Experian and XXXX  and 30 days Non Response to XXXX. XX/XX/XXXX the third round of dispute letters were sent, XX/XX/XXXX the fourth round of dispute letters were sent. On XX/XX/XXXX I sent Credit Bureau Verification Procedure Request all certified to XXXX  and XXXX. 

On XX/XX/XXXX I sent the Credit Bureau a Verification Procedure Request, on XX/XX/XXXX I sent Credit Bureau Demand for Investigation Request both certified to XXXX, XXXX  and Experian. The three credit bureau continued to report this Unverified Account. 

At the same time I sent several dispute letters to XXXX XXXX XXXX. XXXX XXXX XXXX responded to each of my letters with a letter of their own. Their letter states We have Received and processed your dispute. After reviewing the information you provided, our account notes, and information provided by the previous creditor we have found that our information is correct. They failed to validate the account and provide me with any contract or agreement that I signed.All they have and continue to send is letters saying they validate the debt and a billing statement. 
XXXX XXXX XXXX continued to report this Unverified Account. 



XXXX XXXX XXXX, XXXX, XXXX and Experian needs to be held accountable for their misleading, false reporting and lack of a investigation. 


Experian, XXXX  and XXXX  has NOT provided me with who verified these accounts? 
a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA are required to promptly DELETE all information which can not be verified. 


Experian, XXXX and XXXX has not validated the debt as mine, and continue to ignore my letters asking for removal of this debt. They have violated many consumer laws.

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 2020-10-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
Hello yes Im filing a complaint on National Credit Adjusters in reference to a pay day loan thats not mine that they said I had with XXXX XXXX. This fraudulent account has been resolved earlier this year which was bought by another collection agency and has been deleted and removed from my credit report. This National Credit Adjusters are now calling me about a fraudulent debt that has been taken care of and trying to use these scare tactics and threatening to put this back on my credit after this account has been removed by the credit bureau. I told them to stop harassing me about this and they still sent letters to my place of residence and its just very annoying especially when hes constantly stating and saying yes it is your debt we have your signature and contract which I know thats a lie. I am at the point where Im going to file a law suit for them harassing and calling my phone over and over from different numbers after I told them to stop calling me. I cant remember the guys name I talked to but he kept insisting that it was my debt and was going to report it to the credit bureau. I dont know these people or company and I really need them to stop and this better not show up on my credit report again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reportsI never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. 

Initial dispute sent XX/XX/2020 60 Day demand to comply sent XX/XX/2020

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 2020-10-15 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: FL

Complaint narrative:
There are currently numerous inquiries and accounts listed on my credit report that I have no knowledge of. These inquiries and accounts were not authorized or initiated by me and was a result of fraud or malpractice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There are currently numerous inquiries and accounts listed on my credit report that I have no knowledge of. These inquiries and accounts were not authorized or initiated by me and was a result of fraud or malpractice.

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 2020-10-15 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION
State: MA

Complaint narrative:
Sallie Mae has refused to offer any sort of relief or lowering of payments, and it is impossible to meet ends meet due to their actions. I make an annual salary of {$60000.00} and my student loan payments are $ XXXX month which is more than I make in a single paycheck. After making payments and struggling to even have enough money to eat, my interest rate continues to grow and is now at almost 11 % on my loans pushing me even further into debt. With the pandemic going on I have lost all additional sources of income and the best option they gave me was to not make a payment and speak with the collections agency which will further hurt my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation