vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-16 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: OR

Complaint narrative:
Citibank on more than one occasion stated they cover all fraudulent charges. 

I pay my credit card bills with small amounts to zero balance mainly to avoid high interest rates without looking at charges, The last charge of XXXX looked suspicious, so I looked into my account and notified Citibank. 

I did further research and discovered additions charges dating fas far back to XX/XX/XXXX. After their security department investigated, Citibank only honored the latest claim, they did not honor my full claim. 1st denied was Not enough information, this was after I sent in all the information. I called about this a few times, on one occasion received a scolding from a rep to check my statements. Then the last rep I spoke with stated that because of a pattern they will not honor my claim. I am seeking a refund including foreign transactions fees of XXXX. I have other Citibank cards that are fine. 

In addition Citibank was not able to provide merchant information. As you can see in the attached statements, All transactions point to XXXX. I have no reason to purchase directly with XXXX. Please help. 

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Refunded XXXX XX/XX/XXXX FOREIGN TRANSACTION FEE - Refunded XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX FOREIGN TRANSACTION FEE  XXXX XX/XX/XXXX XXXXXXXX   XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX FOREIGN TRANSACTION FEE  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX FOREIGN TRANSACTION FEE  XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX FOREIGN TRANSACTION FEE XXXX Initial Fraud Claim XXXX Less Refunded amounts XXXX + XXXX Seeking amount of 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 2019-07-16 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Netspend Corporation
State: IN

Complaint narrative:
My name is XXXX and it says I have a problem with my card. I tried to fix it, but I dont know whats wrong.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16 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: IL

Complaint narrative:
I requested my credit report from Experian on XX/XX/2019. I saw that there was negative information reported by XXXX XXXX/XXXX in the file that Experian maintains under my Social Security Number. Upon reviewing that copy of my credit report, I saw an entry listing an account was charged off {$1900.00}. I wrote and certified mailed a letter to Experian challenging the accuracy, compliance and reportability of this listing. I asked them to please validate that information with XXXX XXXX and provide me with copies of any documentation associated with this account, bearing my signature. I requested in the absence of any such documentation bearing my signature, I formally requested that the information be immediately deleted from the credit file they maintain under my Social Security Number. I also stated that I do not consent to XXXX or any means of automated verification. They replied back that XXXX XXXX " Verified '' that the account they are reporting under my name is accurate. I then on XX/XX/2019 certified mailed another letter to Experian Requesting that the description of the procedure used to determine the accuracy and completeness of the information was being requested, to b provided within 15 days of the completion of their re-investigation. Additionally, to please provide the name, address and telephone number of each person contacted regarding this alleged account. I formally requested a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. And that any automated response or XXXXr verification is unacceptable. I requested a re-investigation and their method of verification. They did not reply back in 30 days. So by them not replying back within 30 days they violated federal law, and they had failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. And I have evidence via certified mail receipts. So they must remove the item.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Credit Plus Inc
State: FL

Complaint narrative:
I had a hard inquiry on my credit from a company called Credit Plus which i had to XXXX them to find out that they were a mortgage company. I never gave them authorization to do a credit check and I don't even know this company. I have never contacted them or asked them for anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
I have asked for a paper copy of our escrow analysis through tdbank. I was told it would be mailed as I can not access the information online to see how our overage was calculated for that year. It was never mailed to me. I was told 3-5 business days. I called back a couple months later ( today ) and they told me it was mailed on XX/XX/XXXX. I asked if they could send me proof of this they said no but they would mail it again. I also asked if I could access this information online, I was told they could not email it and it is not available through their online banking platform. I would like information on my own money that is being held in their account and they make interest off of by precollecting it. I believe this information is being withheld. XXXX who I spoke to said she would mail it again. I asked to speak to a supervisor and was on hold for an hour and never spoke to anyone. I just want the information I am requesting. I am getting their paper statements for my mortgage bill each month in the mail and confirmed the correct mailing address. I believe this information is being withheld so the bank can collect a little extra interest in my escrow account each year. I would like help in getting the information on paper and in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I had a hard inquiry on my credit from a company called XXXX XXXX which i had to XXXX them to find out that they were a mortgage company. I never gave them authorization to do a credit check and I don't even know this company. I have never contacted them or asked them for anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
On or about July 2/3, 2019 I called Carrington Mortgage to advise I would be send one full payment and a partial payment which would be enough including what was in a " holding '' account to make a full payment. I spoke with a XXXX. I was told I would need XXXX to make two full payments. I was also advised I would not have to pay late fees at this time and the money would go to my mortgage payments which would leave me owing for XXXX, 2019. On XX/XX/2019 I paid through my online banking XXXX, thinking I would have a little left over in the " holding '' account. On XX/XX/XXXX I called Carrington Mortgage and was told I owed for XXXX and XXXX. I advised this was not true and got very upset. The rep then told me she did not understand but that there was a full payment in the " holding '' account and that XXXX had gone to late fees, which I was told previously I would only have to worry about catching my house payment up. The rep advised she would send in something in order to have the XXXX payment processed. Today I observed in my online acct that did take XXXX out for late fees. 
Today, XX/XX/2019, I received two calls at XXXX XXXX, one call at XXXX XXXX, and one call at XXXX XXXX in which I finally answered and was told my account was in default. I have already been scammed by someone claiming to be my mortgage company and I am not in default with my mortgage as I owe for XX/XX/2019 at this time. The guy said he was with Carrington Mortgage and I asked why he called me 4x in a row and he said he was collecting a default mortgage. This is harrassment from this company and the fact that they did not give me credit for one house payment but took late fees from it, is also a big problem for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16 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: UT

Complaint narrative:
XXXX XXXX # XXXX is reporting a debt I do not owe. This account is fraud and I have filed a police report # XXXX with officer 's XXXX and XXXX. XXXX has yet to prove this debt is mine and it needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16 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: UT

Complaint narrative:
XXXX XXXX # XXXX is reporting a debt I do not owe. This account is fraud and I have filed a police report # XXXX with officer 's XXXX and XXXX. XXXX has yet to prove this debt is mine and it needs to be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16 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: UT

Complaint narrative:
XXXX XXXX # XXXX is reporting a debt I do not owe. This account is fraud and I have filed a police report # XXXX with officer 's XXXX and XXXX. XXXX has yet to prove this debt is mine and it needs to be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Persolve, LLC - Legal - Series 2
State: CA

Complaint narrative:
Filed bankruptcy, did 5 year payment plan, completed the 5 year payment plan. The case was dismissed for some year that we did not send an income tax return. Bankruptcy was filed XX/XX/XXXX - XX/XX/XXXX. After two years the case was dismissed XX/XX/XXXX received a letter from Persolve , LLC. a letter XXXX XXXX XXXX XXXX XXXX Courthouse , there is no date or whatsoever for me to verify or dispute, or court date. Persolve claiming more than what they claimed during the bankruptcy period.Persolve send a claim to the trustee for the amount of {$2200.00}, they got paid for what the plan scheduled for the amount of {$830.00}. I send Persolve a certified letter asking for the original creditor, original date of the collection and amount owed. They did not respond to my request, next thing they did they put a levy on my bank account thru XXXX County Sheriff 's Department. The amount taken from my account {$4600.00}. Try to call them ( XXXX ) XXXX, never return my call.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION
State: FL

Complaint narrative:
It started in XX/XX/XXXX when I had to take XXXX from my employer due to medical issues. Which cause me not to work, I had then applied for a modification since I was falling behind and was approved on XX/XX/XXXX. During which I was not working because I was laid off on XX/XX/XXXX and was only relying on my XXXX income. I was during XXXX that me and my XXXX at the time had a divorce which once again was a financial blow. He then became ill and only relied on social security income. By that time I started a new job in XX/XX/XXXX and was also getting assistance from my XXXX XXXX. We once again applied for a modification and was approved in XX/XX/XXXX, but instead of getting an affordable rate it went up which caused our payment to go up. We made payments and just am not able to maintain the current payment with the income I bring in the social security income that my XXXX XXXX brings in. We then applied and got denied for assistance and now we have a sale date for XX/XX/XXXX and the lender is not willing to postpone.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16 00:00:00
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: OH

Complaint narrative:
On XX/XX/XXXX I submitted via certified mail to Weltman, Weinberg , & Reis Co., LPA a written request to stop contacting me except via US Mail however they continued to attempt to contact via telephone many times through out XXXX, XXXX, XXXX, and the beginning of XXXX. At one point they called my in laws and told them they were attempting to get in touch with me over a past due loan and they attempted to call me at my place of employment on or about XX/XX/XXXX however I do not have a record of this. I do have records however showing 29 call attempts from them, some with messages, that occured between XXXX, XXXX and XXXX, XXXX. Some days they called 2-4 times per day. 
Also on XX/XX/XXXX, within 30 days of receiving the validation notice, I requested several documents to validate the debt including proof that the account had been sold or assigned to the collection agency which I did not receive.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MA

Complaint narrative:
XXXX XXXX reported a debt /Default Judgement owed to a CACH LLC on my credit report to my bank, resulting in my being denied a loan. 

I filed a dispute with XXXX XXXX explaining that the debt was not mine. 
Consumer # XXXX Case # XXXX I explained that : 1 ) That I am a man the suit was against a " XXXX XXXX XXXX '' 2 ) My Name is " XXXX XXXX '' not " XXXX XXXX XXXX '' as was on the judgement 3 ) I did not do business with this company and the debt was not mine. 
4 ) This judgement appears to be a default ( no show ) judgement I asked that XXXX XXXX verify the Social Security Number and Date of Birth with CACH LLC to provide that its not mine. 

I also explained that CACH LLC had tried in past to collect a large {$30000.00} debt against me and eventually dropped the case when they realized that they had the wrong person They eventually realized that the social security number and/Or DOB did not match mine. 

I never heard back from XXXX XXXX on the disputed, so after waiting well over 30 days I reached out to them. They acknowledged that I did not receive a response within the required 30 days. Mentioned that it was an issue on their end. They only explained that they verified that a judgement/lein exists. They didn't verify that it matched my Legal name, soc sec # or DOB Link to court case : https : XXXX? XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-16 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: NY

Complaint narrative:
I have repeatedly asked Equifax to investigate and remove all fraudulent and/or unauthorized inquiries from my Equifax Report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-16 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ocwen Financial Corporation
State: NV

Complaint narrative:
Received a collection call for a missing payment for XX/XX/2019 that was paid on XX/XX/2019. Servicing transferred from XXXX XXXX to PHH Mortgage. Payment was sent by XXXX XXXX  to PHH on XXXX vis XXXX ( XXXX ) and received by PHH on XXXX signed for by XXXX. PHH denies receipt of payment and customer service refuses to acknowledge the issue. Called several times and always waste away on hold. When someone finally answers I am either hung up on or placed on hold again.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Per complaint # XXXX already filed with CFPB Equifax was to complete its investigation within 30 days. The date of this correspondence was XX/XX/2019. To date I have received no further information or update regarding this. I have supplied previously my letter directly from the creditor showing that I do not even have a debt with them. I will attach it again here. This is absolutely ridiculous!!! 

Please obtain a response from them. I have been working diligently for 2 years trying to get Equifax to update this information and they have failed me for 2 years. 

Please help or I will be force to escalate this even further. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Santander Consumer USA Holdings Inc.
State: LA

Complaint narrative:
I asked several times from the car dealer and the bank about the credit report they pulled up in order to give me a interest rate of 15.99 % on my car loan and they have denied me of it. They told me that they don't have to give it to me and that I signed the contract already it want change nothing. Shady practices. Can someone help me retrieve the information that they pulled up at the time of purchase so I can make sure I wasn't screwed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Southwest Credit Systems, L.P.
State: CA

Complaint narrative:
I keep getting phone calls and letters. I paid the debt off to the original creditor XXXX XXXX. They are purposely damaging my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc.
State: PA

Complaint narrative:
I got into a car accident where I was a victim of hit and run insurance didn't cover the accident. It wasn't until around XX/XX/XXXX of 2019 we tried to do an involuntary surrender of the vehicle, I was told by the lady who worked for the bank that holds it " sorry we don't do that. '' I called again about it XXXX days later and they finally agreed to take it I gave them the information as to what company has the vehicle. XXXX days later I go back to check in with the garage where I was keeping my car, the owner of the shop told me never got a phone call, I call the bank and gave them the owner 's number. Next XXXX days they sent an estimator out and shipped the car off to another place for the car to be sold. The shop has waived lot fees for me from XX/XX/XXXX to about XX/XX/XXXX of 2019. From that point on till the time the car was removed I paid the garage XXXX $ in fees. A couple days later I get a letter from the bank saying I owe them about XXXX $ ; XXXX $ for the transportation from the shop in XXXX XXXX, PA to XXXX, PA and XXXX $ or so for the day it was sitting there before the bank got the car. The letter also stated it will be sold within XXXX days of this letter and that I would receive a call. A month goes by I call the bank they told me the car was estimated to be about XXXX $ and they would call me when it was sold and that the car was being sent to auction in Texas. They also tacked on another XXXX $ for what they claim is lot fees from the shop out here in XXXX XXXX. It has been over 4 months since they have had the car and has been shipped to multiple auctions already and still not sold. At this point it seems as if the car may have been sold and not applying the proceeds to the loan. The shop I had it at is called XXXX XXXX XXXX XXXX. There estimate was the car is worth about XXXX $ - XXXX $ in a basic good condition, my car 's damage was to the back passenger and bad enough the trunk wouldn't close ; the estimate given for that condition is XXXX $ - XXXX $ and XXXX $ in repairs.

Company response to consumer: Closed with explanation