vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-10 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: FL

Complaint narrative:
ON XX/XX/2020 made a charge back complaint against XXXX XXXX XXXX for a trip they canceled. 
I wanted the {$8800.00} returned. They refused and I was issued a conditional credit for {$8800.00} On card XXXX. Dispute # XXXX On XX/XX/2020 Citi requested written information regarding the dispute. I compiled. 
On XX/XX/2020 Citi reversed the conditional credit and determined it was a valid charge. 
After numerous phone calls and written correspondence THE CONDITIONAL CREDIT OR INVESTIGATION WAS NEVER PURSUED BY CITI. 
I contacted the XXXX XXXX and the Mass. 
OFFICE OF THE ATTORNEY GENERAL. 
On XX/XX/2020 my credit card received a REFUND from XXXX XXXX for {$8800.00}. I asked for my money. 
On XX/XX/2020 Citi wrote " ..the credit balance is due to the conditional credit ... in dispute ... 
If resolve in your favor ... you can request a refund. 
Citi has used this credit balance to pay my XX/XX/2020 AND XX/XX/2020 statements!? 
I would like my REFUNDED money returned to me, the balance now is {$6000.00} Thank you

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 2020-07-10 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: AR

Complaint narrative:
I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. XXXX XXXX {$0.00} XXXX XXXX   XXXX {$380.00} ARKANSAS XXXX XXXX   XXXX {$16000.00} XXXX XXXX  XXXX {$550.00} XXXX XXXX UNIVERSITY XXXX {$3400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
Equifax is not showing I have a credit report. So since XX/XX/2019 I have been sending my information so they can build a credit file for me. They still have not. Every time I call they tell me they have not received any of my information even though they have sent me letters regarding the information. They are refusing to do their jobs and are not giving me any explanation as to why.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Berlin-Wheeler, Inc. (Kansas)
State: KS

Complaint narrative:
I have been speaking with Berlin Wheeler and XXXX XXXX over the last 6 months in XX/XX/2020 XXXX XXXX advised Berlin Wheeler to remove the debt from my account and transfer it to the responsible party. I have followed up with Berlin Wheeler mulltiple time in which they have stated the debt has been removed from my account and transferred to the correct responsible party and that they have submitted request to be removed from my account. It is still showing up and the dispute results do not indicate that they have submitted request to remove from my account and that they are holding me responsible for this debt.

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 2020-07-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: NC

Complaint narrative:
I had a mortgage with Freedom Mortgage which I have now paid off during a refinance. 
I paid off my mortgage with Freedom in full on XX/XX/XXXX On XX/XX/XXXX I was charged the PMI for the month of XX/XX/XXXX and was up to date on my PMI. 
On XX/XX/XXXX {$290.00} was removed from my escrow balance. 
I called about this issue and was first told that this was a " hazard insurance supplement '' as they had determined that my insurance was not sufficient. I informed them that I no longer had a loan with them. They were confused and then took 48 hours to " research ''. After 48 hours they contacted me and told me that this was payoff to my PMI. I infomred them that I was up to date on my PMI and that furthermore the amount charged did not align with what my PMI payments were ( which was {$100.00} ). Several customer service supervisors were confused by this issue over three separate calls. They continue to claim that it is a valid charge without being able to articulate what the charge is for. 

I have asked for a refund of the charge and Freedom Mortgage has failed to refund over the past month.

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 2020-07-10 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: TX

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT ON MY FILE. THIS NEGATIVE ACCOUNT HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.

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 2020-07-10 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: AR

Complaint narrative:
I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX XXXX {$1600.00} XXXX   XXXX XXXX {$480.00} XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX {$350.00} XXXX XXXX XXXX {$400.00} XXXX XXXX {$390.00} XXXX XXXX   XXXX {$170.00} XXXX {$400.00} CHAPTERB XXXX BANKRUTCY DISMISSED XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 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: TX

Complaint narrative:
I am needing to move out of my apartment due to the bad maintence. I went into some apartments close to where I live now and I had to get my credit pulled. During our discussion I learned that I was not able to get the apartment due to an amount of things on my credit that are not mine. I need those items removed as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: General Motors Financial Company, Inc.
State: LA

Complaint narrative:
On XX/XX/XXXX I submitted a covid-19 deferral through GM Financial of XXXX XXXX Texas. They stated that my XX/XX/XXXX and XX/XX/XXXX payment would be deferred and my next payment would be due onXX/XX/XXXX. They immediately reported me as late. I disputed this information through XXXX and they corrected it around the first of XX/XX/XXXX and immediately reported me as late for XX/XX/XXXX. I disputed again and they updated XX/XX/XXXX and reported me late for XX/XX/XXXX even though my XX/XX/XXXX payment isn't due yet. 

The representative on the phone stated that they had messed up and she would transfer me to a supervisor to get this corrected and the supervisor tried to transfer me again instead of addressing my concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I am a XXXX XXXX XXXX who assisted in XXXX during the Covid-19 crisis. I had called Nordstroms  prior to my leaving to explain I could not afford the payments and needing a payment plan. The XXXX dollar payment plan they offered I could not pay. I returned from XXXX and called to pay my entire XXXX bill in full. I had saved up to pay this debt off from my paycheck. I received pushback from a store employee in the credit department stating the late fees of XXXX dollars would not be forgiven despite the Cares Act President Trump signed. 
I was then transferred to a supervisor stating, you had to call us to get that credit! I told him I was kind of busy saving lives with people who were dying ... he stated, Im sorry you still owe the money I cant help you. 
I need assistance, they need to accept my full payment of my XXXX bill and take this off my credit bureau report. 
I am very upset that after all we as Americans have been through this is how XXXX XXXX  are treated! 
Much Respect, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-10 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I should receive a return check of XXXX usd from Barclays Bank since XX/XX/XXXX XXXX, as I paid off the full loan amount with a check of XXXX usd on XXXX XX/XX/XXXX. the check was higher than the final amount of pay off due to the bank deducted automatic from my bank XXXX on XXXX. they never sent this check back to me of XXXX usd and every week on my calls ( more than 15 calls ) I have been told that they don't know what is the problem. they said we sent the check to your home address ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX ) they have been lying to me now for 4 months with the same excuses that their back office is who's handle the issue and they don't know what's happened. the end of this is that for my understanding they don't want to return my money. I need your help to solve this issue my loan acc is under my name XXXX XXXX my date of birth is XX/XX/XXXX and the last 4 of SSI is XXXX. 
thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-10 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: AR

Complaint narrative:
I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX/XXXX XXXX {$1600.00} XXXX   XXXX XXXX {$480.00} XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX {$350.00} XXXX XXXX XXXX {$400.00} XXXX XXXX {$390.00} XXXX XXXX   XXXX {$170.00} XXXX/XXXX {$400.00} CHAPTERB XXXX BANKRUTCY DISMISSED XXXX {$0.00}

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 2020-07-10 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: AR

Complaint narrative:
I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX/XXXX XXXX {$1600.00} XXXX   XXXX XXXX {$480.00} XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX {$350.00} XXXX XXXX XXXX {$400.00} XXXX XXXX {$390.00} XXXX XXXX   XXXX {$170.00} XXXX/XXXX {$400.00} CHAPTERB XXXX BANKRUTCY DISMISSED XXXX {$0.00}

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 2020-07-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I am complaining about the company Portfolio Recovery Associates, LLC ; XXXX XXXX XXXX, XXXX, VA XXXX. Their parent company is PRA Group , INC., which is a for profit stock-based group which answers to shareholders. According to their Q1 XX/XX/XXXXEarnings Call, In the Americas, the cash collections in core  and insolvency were {$340.00} XXXX, a new record for PRA. We broke the old record from Q2 of XXXX. Our cash results have been so strong that any of the past 5 quarters would have been a new record, if it was compared to any quarter prior to XXXX. In the U.S.,  cash collected per hour paid increased 24 % from the first quarter of XXXX, which sets a new Q1 record. 

The reason I mention this is because it explains why I have been harassed by PRA for a debt that I do not owe them. PRA is obligated to their shareholders which means they need to do whatever means necessary in order to collect a debt. I enrolled with XXXX XXXX XXXX in XX/XX/XXXX. One of the accounts that I was enrolled with was XXXX XXXX, which was later purchased by PRA in XX/XX/XXXX. I was already enrolled with XXXX and PRA kept calling me. I kept telling them I was enrolled in XXXX. They did not listen and kept calling. In XX/XX/XXXX, PRA placed a collection on my credit report. I receive a monthly credit report with monitoring which is how I found out there was a change to my credit report. This XXXX account will be paid off in XX/XX/XXXX, but PRA waited until XX/XX/XXXX to place a collection on my credit report. First of all, it is not my fault they did not do their diligence by purchasing an account from XXXX that was enrolled with XXXX. Secondly, had I not have been in XXXX, why didnt they immediately place a collection on my credit report when they purchased my account from XXXX in XX/XX/XXXX? Why did they wait until XX/XX/XXXX when there was only five months of payments left? PRA is conducting nefarious business practices in order to appease their shareholders to maintain their increased YoY results. 

I filed a XX/XX/XXXXcomplaint a couple months ago, but it has gone nowhere. PRA is obligated to its shareholders and will do anything possible to attempt to collect this debt, even if it means trying to destroy my credit by placing a collection on my credit report. I have provided the supporting documentation that shows the account numbers from XXXX and my XXXX account. I also provided the letter PRA provided me which showed me when they purchased my account from XXXX. I would appreciate your assistance with this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-10 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: PA

Complaint narrative:
ordered clothes for my XXXX year old mother. clothes did not fit. returned entire order. charged a restocking fee, then continued to charge me interest and late charges on a restock fee. paid on the account. sent a pymt on XX/XX/20 of {$75.00}. called several times the week of XX/XX/XXXX - XX/XX/XXXX. still no payment on file. called morning of XX/XX/XXXX, still no payment received and charged me another late fee of XXXX called back after lunch on XX/XX/XXXX. they had received my {$75.00} as of XX/XX/XXXX, but as of morning of XX/XX/XXXX, still not showing my payment. took them 2 days to post my payment. called and asked them to remove {$35.00} fee, refused. This company is horrible. When you order clothes online, and they don't fit, you should not be subject to a restocking fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-10 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: MO

Complaint narrative:
On my experian credit report dated XXXX I have 3 collections accounts as follows XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXX XXXX {$970.00} Balance updated XX/XX/2020 .... 

XXXX, XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX {$1500.00} Balance updated XX/XX/2020 XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX BILLING {$66.00} Balance updated XX/XX/2020 None of these accounts are listed as medical debt, they are listed as collections, XXXX XXXX XXXX is listed as a charge off account and on XXXX   credit report has the account listed as a profit/loss writeoff

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 2020-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I went to inquire about a car I have been renting and their buying options. I was informed that my credit score was below XXXX, which sounds odd because it was closer to XXXX the last time I checked. I checked my credit to discover that the department of Education and XXXX have been making reports to my credit which has taken my credit down by 100 points and more! One report from XXXX took my credit score down 91 points in a single day! I have not had any communication with XXXX  to discuss repayment options even after the last disputes, which they were supposed to organize! I have no new loans with XXXX  yet they are continuously reporting missed payments to the credit bureaus almost weekly! In the duration of the covid-19 shut down and the CARES ACT ; the department of education has consistently made numerous reports to the credit bureaus, but when I contacted them to speak with someone who could help me set up a payment arrangement they continuously gather information, are condescending, not helpful, and try to get me to contact 3rd party collection agencies instead of dealing with me directly while Im on the phone. I do not wish to deal with 3rd party collection agencies when theyre the ones the original debt came from and theyre the ones who consistently make reports to the credit bureaus. This is unlawful practices! Theyre controlling my life and not giving me the opportunity to pay off debt. They make it impossible to set up arrangements and to re-establish my credit and it feels debilitating and hopeless. 
XXXX keeps changing the dates of the supposed debt I have with them. I need to have all charges investigated and disputed from the department of education and from XXXX, because something is not right and I HAVE to have good credit! Ive been working on my credit since last fall and I paid off some things. However, the level of student loan activity is absolutely absurd especially since I havent been in school for about 10 years. The debt from these 2 companies are mostly 8-10 years old and should not be bringing my credit score down so low! My credit score went from XXXX, which isnt that great to XXXX in less than 30 days and when I call these people Im SICK AND TIRED of dealing with their snarky nasty attitudes and their games! I would like to start an investigation immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: COLLECTION BUREAU INCORPORATED
State: GA

Complaint narrative:
I spoke with Collection Bureau Inc on today XX/XX/2020 @ XXXX XXXX and spoke with XXXX ( one of the managers ) and another manager who didn't want to provide her name. I've been asking for over 6 months for this company to dispute the amount is due with the original client which is XXXX XXXX  and they fail to do so. I reached out to XXXX XXXX ( XXXX XXXX XXXX  to be exact ) and spoke with the property manager. She informed me she never received any type of dispute from Collection Bureau Inc. At this point the CFPB should investigate and shut this company down by responding with false and fraudulent  information. The managers admitted via phone they don't have any documentation stating they reached out to the property. I would like for this company to provide a response with the current date XX/XX/2020 documentation. My next step will be contacting an attorney and taking this company to court and letting the judge listen to the phone call from today XX/XX/2020 in which the supervisor admitted they don't have any documentation from XXXX XXXX. Also, I did not sign a lease with this company I would like to SEE MY SIGNATURE ON THE LEASE that signature on the lease does not belong to me. Its a computer generated signature its not my signature. I would love to take this case and file to court. I wasn't even in town when this lease was generated I was in XXXX, MN at the XXXX XXXX having XXXX. Please provide to the CFPB a copy of the lease and a copy of my drivers license which shows my signature. It does not match because I did not sign a lease with XXXX XXXX.

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