vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
XXXX should refund of {$370.00} due from an overpayment by me on their XXXX  credit card. Instead, the XXXX  credit card indicates a billing error showing charges in excess of {$2500.00} that I did not approve. In addition, XXXX erroneous reporting to credit bureaus has resulted in very negative credit scores. 

In XX/XX/XXXX I paid for 2 roundtrip airline tickets to XXXX charging the amount on the XXXX XXXX card. The amount was paid in full within 30 days, resulting in a XXXX balance. Upon return from the trip, new charges appeared on the XXXX card that I disputed. I cancelled the card having made no charges except for the initial roundtrip airline ticket. In XX/XX/XXXX I overpaid {$370.00} to a charge on the statement billed by XXXX that was in error. To date I have not received this refund. 

A XXXX Letter, dated XX/XX/XXXX in reference to my XXXX   credit card account, stated the credit card dispute is resolved and I am credited {$85.00}. That credit never appeared. Instead of refunding the XX/XX/XXXX overpayment, I have been billed by XXXX with unauthorized credit card charges resulting in {$2500.00}. In addition, XXXX has also reported a default in payments to the 3 major credit bureaus. 

The only charges authorized are as follows : On XX/XX/XXXX I booked 2 roundtrip adult tickets to XXXX. 
Depart XX/XX/XXXX- Arrive XX/XX/XXXX with seats reserved XXXX/XXXX XXXX : Ticket Record XXXX XXXX XXXX , FL XXXX , XXXX ; XXXX , XXXX XXXX , FL {$1500.00} x2 -  {$100.00} for promo using XXXX  XXXX Credit Card XXXX XXXX Credit Card- Paid XX/XX/XXXX {$3000.00} Balance : - XXXX XX/XX/XXXX overpayment {$370.00}.

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 2018-11-26 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
In XX/XX/XXXX I brought a mixed use property that I live in a loft and have restaurant rental space below. I finance the property from XXXX XXXX XXXX in XXXX somewhere it got sold to Region Bank I don't know exactly when they made the switch, In XX/XX/XXXX Regions stated I was behind on some notes and they offered to modify the loan. I accepted though I couldn't prove at that time I was not behind on my mortgage. In XX/XX/XXXX the bank said the loan was due and I owed another {$180000.00} dollars on a property. In XX/XX/XXXX I did an administrative process on them asking for the original blue wet ink copy of the contract. They could not produced it and the ones they did produce were copies with obvious blank outs. After this starting XX/XX/XXXX they tried to foreclose on my property, I had to hire an Attorney to get an injunction to stop the foreclosure and sale of my property. I filed a lawsuit in XX/XX/XXXX sued the bank for fraud and racketeering during the hearing it was proven that I had paid well over {$500000.00} however before we went the trial, the bank agreed according to my attorney that I did not owe them anything on the mortgage but that I now owed them {$41000.00} in taxes ... I offer a tender of payment to them via my attorney which they accepted. XXXX of this year after a year of no feed back.. I asked for a settlement and closing of the account.. the attorney I hired said since we did not hear anything else from them that I could dismiss the case without prejudice and come back and sue them later if needed. XX/XX/XXXX they sent me another letter stating I am in default of the mortgage and that my property will be sold XX/XX/XXXX. Of course I will be going back to sue or file bankruptcy as I have exhausted my reserves suing them the first time.

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 2018-11-26 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: BB&T CORPORATION
State: MA

Complaint narrative:
XXXX has been non-compliant with removing the unverified account BB & T which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that BB & T was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

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 2018-11-26 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MA

Complaint narrative:
XXXX has been non-compliant with removing the unverified account FAIR COLLECTIONS & OUTSOURCING which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that FAIR COLLECTIONS & OUTSOURCING was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

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 2018-11-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2018-11-26 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: FL

Complaint narrative:
There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
i am writing in regards to some unauthorized withdrawals that had been taken out from my account in the amount of XXXX from XXXX XXXX.i have never dealt with this company i have tried to dispute the transactions with my bank capital one so that they could temporary credit me the amount.but they said they apparently found nothing wrong with those transactions

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
I sent off my letters to dispute the charges to the Creditor and Collection Agency for my repo. Santander never replied to my letter, they just updated my credit report. XXXX XXXX XXXX, the debt collection agency that bought my account, sent me copies of my contract from when I bought my car with XXXX XXXX and Santander. XXXX XXXX XXXX has sent me everything they have from my file with Santander. Now Santander violated the O.C.G.A. 10-1-36.

10-1-36. Disposition of motor vehicle repossessed after default ; right to recover deficiency ( a ) When any motor vehicle has been repossessed after default in accordance with Part 6 of Article 9 of Title 11, the seller or holder shall not be entitled to recover a deficiency against the buyer unless within ten days after the repossession he or she forwards by registered or certified mail or statutory overnight delivery to the address of the buyer shown on the contract or later designated by the buyer a notice of the seller 's or holder 's intention to pursue a deficiency claim against the buyer. The notice shall also advise the buyer of his or her rights of redemption, as well as his or her right to demand a public sale of the repossessed motor vehicle. In the event the buyer exercises his or her right to demand a public sale of the goods, he or she shall in writing so advise the seller or holder of his or her election by registered or certified mail or statutory overnight delivery addressed to the seller or holder at the address from which the seller 's or holder 's notice emanated within ten days after the posting of the original seller 's or holder 's notice. 
( b ) In the event of election of such public sale by the buyer, the seller or holder shall dispose of said repossessed motor vehicle at a public sale as provided by law, to be held in the state and county where the original sale took place, or the state and county where the motor vehicle was repossessed, or the state and county of the buyer 's residence, at the seller 's election. 
( c ) This Code section is cumulative of Part 6 of Article 9 of Title 11 and provides cumulative additional rights and remedies which must be fulfilled before any deficiency claim will lie against a buyer, and nothing herein shall be deemed to repeal said part. 



In which they never sent that letter. It is also shown with all the copies of paperwork they sent me that it was never sent. They sold the car and sent me the Explanation of Calculation and Surplus or Deficiency, which I still have.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26 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: FL

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2018-11-26 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: VA

Complaint narrative:
There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Hi my name is XXXX XXXX I am from XXXX I opened a business account in Chase Bank XX/XX/XXXX that was my first visit to USA I register my business as XXXX XXXX XXXX in XX/XX/XXXX and open a business account, Business account runs only one week after that bank close my account bank need work permit or business permit that time I dont have and they close my bank account but some money was in my account XXXX XXXX  Now I returned to USA after 4 years and went Chase bank to get my money back but nobody helping me every one telling a new story new talk but no one helping and its almost 2 week I call online customer services but they said bank issue a cheque but I never received on registered address if I ask give me cheque detail they dont know they dont have in system I check with XXXX XXXX  State unclaimed fund too but they dont have anything on my name I went 2 chase bank branches too but they not help only gave me customer service help no when I phoned they say always we dont have record where I go who can help me to get my money back its almost two week Waiting your reply

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26 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: VA

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2018-11-26 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: CL Holdings LLC
State: CA

Complaint narrative:
XXXX  has been non-compliant with removing the unverified account XXXX XXXX XXXX which has been deleted by XXXX  and XXXX. XXXX  and XXXX have both completed their research and determined that XXXX XXXX XXXX was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
Hello I had a massive fraud committed up to XXXX dollars taken from a joint account with my mother and I at Peoples United Bank. The fraud was committed at XXXX, XXXX and XXXX XXXX XXXX where transactions of XXXX dollars took place. As soon as we saw it we told the bank went to a local branch were they set up new accounts and told us a fraud claim had been placed and they said it would take 3 months to get my money back. So fast forward 3 months they told us we never did a claim and then they said my mother spent thousands of dollars herself at XXXX and got scammed without any proof and they won't refund my money. I sent emails and finally got a response from a regional head saying I never filed a claim and basically saying there not at fault and telling me to file another claim. I know my rights as a consumer and there in violation of Regulation E the bank did not provide me with provisional credit and did not do a complete investigation. The bank mishandled this whole fraud claim didn't even tell my mother or I to file a police report. Obviously someone made a mistake somewhere but instead of correcting it there trying to blame the people who put money in the banks assuming its going to be protected. By the time we filed a police report the detective said it was unsolvable because the bank and business the fraud took place deleted there surveillance tapes and commented banks will prolong fraud cases so they don't have to pay you back. I haven't heard anything from the bank since I filed another claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26 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: FL

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2018-11-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2018-11-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2018-11-26 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: IN

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2018-11-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Berlin-Wheeler, Inc. (Kansas)
State: NV

Complaint narrative:
I just received an alert on my credit reports that a collection account was added. The account belongs to XXXX XXXX XXXX. I have an account with them now and I am presenting using their services ie cable and internet. Therefore, I am confused regarding what the details of this account is. I do not have mail from the collection account to call and dispute this account, hence why I am reporting this through CFPB now. This collection company has not called me nor have I received any mail stating otherwise. The account according to my credit report was opened on XX/XX/2018 for {$130.00}.

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 2018-11-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: World Omni Financial Corp.
State: NM

Complaint narrative:
I need the loan payment lowered to better suit my financial situation. I'm a single mom with a XXXX year old daughter I'm providing for on the salary of a XXXX position. My rent is {$700.00} per month and I also am providing food for my entire household. I make between XXXX and XXXX weekly. My insurance on my vehicle is close to XXXX  monthly. When you factor in my $ XXXX   monthly car payment which I took on when my financial situation was better off I'm having to choose between transportation, food for my family, and a roof over my family 's head. I need the payment lowered to something more manageable even if it means drawing the loan out longer. Something closer to {$250.00} would be more manageable for my financial situation. I do plan to attend school and am looking for permanent employment but these things take time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26 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:
Please delete all allegations which are not demonstrated in clarity to be true, correct, complete, timely, mine, my responsibility, or else wise fully compliant.. I disputed the accounts but Equifax failed to send me evidence of the accounts in question XXXX/XXXX XXXX XXXX, XXXX/XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX, CA XXXX CU XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26 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: EQUIFAX, INC.
State: CA

Complaint narrative:
The account XXXX XXXX was never past due, i never made a late payment to this company ever please change this, i have a good relationship with this company.. I sent a letter to the credit bureaus but they refused to reverse the late payment nor did they give me a reason why they wont do it..Not only that, they never gave me any proof of investigation that they have verified the account as accurate..CFPB please hear me out and correct the late payments

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26 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: CA

Complaint narrative:
The account XXXX  XXXX was never past due, i never made a late payment to this company ever please change this, i have a good relationship with this company.. I sent a letter to the credit bureaus but they refused to reverse the late payment nor did they give me a reason why they wont do it..Not only that, they never gave me any proof of investigation that they have verified the account as accurate..CFPB please hear me out and correct the late payments

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 2018-11-26 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The account XXXX  XXXX was never past due, i never made a late payment to this company ever please change this, i have a good relationship with this company.. I sent a letter to the credit bureaus but they refused to reverse the late payment nor did they give me a reason why they wont do it..Not only that, they never gave me any proof of investigation that they have verified the account as accurate..CFPB please hear me out and correct the late payments

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