vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-22 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I am writing to request your help with correcting the information Citibank reports to the credit bureaus. In XX/XX/2015, Citibank reported to the credit bureaus the following status : " Account included in Bankruptcy ... Closed by Credit Grantor ... '' At that time I explained to Citibank that I had never filed bankruptcy and asked that the credit card account ( XXXX ) be restored to good standing it was in before XX/XX/2015.  Citibank has failed to provide proof of a bankruptcy petition being filed, despite repeated requests. Citibank has maliciously ignored all requests to correct the derogatory information they continue to report every month to the credit bureaus and is in direct violation of the FCRA. This account is being reported as " Failed to pay '' which is wrong. This account was in good standing until XX/XX/2015 when Citibank closed the account. This action against me by Citibank has been going on for 4 years! This action by Citibank is unfair and extremely damaging. Credit reporting companies sell the information contained in the credit reports to creditors, insurers, employers, etc and it is used to evaluate applications for credit, insurance, etc. It is incumbent on Citibank to make sure the information it reports is accurate as the inaccurate information has had, and continues to have, a detrimental affect on my ability to get credit, insurance and even a job.

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 2019-07-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo Bank purchased my Florida condo mortgage from original lender ( XXXX XXXX XXXX  XXXX ). Since my condo is in the state of Florida, it is required that I pay for Hazard and Flood insurance through the XXXX ( XXXX XXXX XXXX ). In Texas, you have to buy walls-in insurance ( know as H06 ) since the insurance provided by HOAs don't cover that. However, in Florida, because of Florida Statute 718.111 which dictates what HOA Master policy covers for each unit, typical walls-in policies are not required and optional for owners ( whether you want to buy for furniture, fixtures, improvements ). XXXX XXXX XXXX recognized this so it was not required. Last year, after Wells Fargo tried to dictate that I purchase walls-in or what they call improvements & alterations insurance now, I went back and forth with them many times and finally, after sending a copy of Florida Statue and Declaration of Condominium, I finally got a rep ( named XXXX ) to understand and it was again NOT required. This year has been the same back and forth. They send letters, I send proof by fax, uploading to their site and have spoken with many of their insurance reps that promise to call back and never do and even spoke with several dispute resolution " officers '', but have never gotten them to put me through to a manager. I've sent them and explained everything they say they need and they promise to call back ... never do. Now they have force placed insurance. My last call was with rep XXXX on XX/XX/19, upload Declaration of Condominium AGAIN which explains coverage purchased  through XXXX, she promised to call back the following Tuesday and never did. How can I resolve if they don't follow through. They don't want to resolve or understand and now they are trying to raise my payment do to the force place insurance even though the ball is in their court to resolve. No reason I should have to purchase this expensive insurance since I already pay around {$2300.00} through my XXXX which will rebuild the unit if damaged to equivalent of original finish by developer. This is typical Wells Fargo cheating customers. Lenders having no say in who mortgage is sold to is the deep rooted problem. Wells Fargo does not exercise Fair Practices and don't have customer service practices that lets borrower resolve issues.

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 2019-07-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I have paid off my Capital One credit card in full every month except the month of XXXX, but Capital One charged me a double interest fee for not doing so. I was charged an interest fee in XXXX and another interest fee in XXXX, even thought I paid off my credit card in full for the month of XXXX. And when I contacted Capital One about the interest fee I was told " that's just the way they do it ''. They are ripping off their customers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Second Round Limited Partnership, Austin, TX Branch
State: VA

Complaint narrative:
this collection Second Round, Limited Partnership reported incorrect accounts on my credit report causing finance hardship and harassment. I have tried to remove it and dispute the accounts by asking a copy showing my signature on the contract. yet they failed provide me with any document to prove they right to ask for payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The following Hard Inquiry shows on my TransUnion Credit File ; XXXX XXXX Inquiry from XX/XX/2019 I did not give XXXX XXXX authorization to access my file. I contacted TransUnion to dispute this and they asked me to contact XXXX XXXX. I looked up XXXX XXXX online and they are no longer in business. 

Bottomline, TransUnion shared my credit file information without authorization and they were not helpful when I called in to dispute it. 

Thank you 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 2019-07-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
I have student loans from XXXX XXXX College ( XXXX, MD ), I last attended in XX/XX/XXXX. I didn't return the Spring semester due to I was told the school was not doing the XXXX program in XXXX only in XXXX. I never withdrew from the school being that I was told the school was working on its problems to stay open. The XXXX XXXX XXXX was in the process of withdrawing their accreditation, They were made aware that the student needed to be in a Teach out. Well I live in XXXX and the Teach out was for only students in the XXXX area, XXXX was a XXXX school. The school closed in XX/XX/XXXX. I am not left with over XXXX worth of student loans and I am not able to have them discharged. I was not able to transfer credits, so I took classes that did not benefit me. I want to know what can I do to get the loans discharged. I have applied for a loan discharge 2 times. I also had contacted the State of Maryland Consumer Protection Division about the issue and the rep told me to contact Navient again. But what was the use and I had already tried twice. I can't transfer the classes, so I took out loans for absolutely nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XX/XX/XXXX- Till today ( XX/XX/2019 ) Bankruptcy Record on credit profile appears as " BANKRUPTCY CLOSED AND DISMISSED '' on XXXX , TRANSUNION AND XXXX XXXX XXXX credit card appears as included in bankruptcy chapter XXXX on Transunion and XXXX  credit profile. 
XXXX XXXX Credit card appears as charge off/included in bankruptcy chapter 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 2019-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
XX/XX/XXXX- Till today ( XX/XX/XXXX ) Bankruptcy Record on credit profile appears as " BANKRUPTCY CLOSED AND DISMISSED '' on EQUIFAX , XXXX AND XXXX XXXX XXXX credit  card  appears as included in bankruptcy chapter XXXX  on XXXX  and XXXX credit profile. 
XXXX XXXX Credit  card  appears as charge off/included in bankruptcy chapter XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
XXXX Till today ( XX/XX/2019 ) Bankruptcy Record on credit profile appears as " BANKRUPTCY CLOSED AND DISMISSED '' on XXXX , XXXX AND EXPERIAN XXXX XXXX credit card appears as included in bankruptcy chapter XXXX on XXXX and Experian XXXX profile. 
XXXX XXXX Credit card appears as charge off/included in bankruptcy chapter 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 2019-07-22 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: MA

Complaint narrative:
On XX/XX/2019 I was scammed out of 4 {$500.00} XXXX gift cards.i didnt believe it was a scam because I made the phone inquiring about my XXXX XXXX account listing so I legit assumed I was talking to an agent. He was able to pull up my info just with my listing number. After I bought the gift cards I realized it was a scam so I immediately called the credit card company and they took the charges off and said I was all set. I reported it to The Federal Trade Commission, the XXXX company and XXXX XXXX XXXX where I purchased the gift cards. Two weeks go by and on XX/XX/2019 I get a call from the credit card company asking me what happen and after I explained they said they were putting the charges back on after they said I was all set. I was told I could dispute the matter so on XX/XX/XXXX I called and spoke to the agent, she heard my story and was apologetic and said we are excellent customers, have excellent credit and will work hard to remove the charges. They said they would be sending me a dispute form by mail or email. A week goes by and no dispute form, and no email. On XX/XX/2019 I began a online chat with an agent named XXXX and asked about the dispute form and she said I would be receiving my refund in 2-3 business days and still no refund. I have proof of conversation. I then decided to mail a dispute form to the credit card company with all my documents and letter, and still nothing!! On XX/XX/XXXX they mailed me a letter saying thanks for your dispute but this is false information because I didnt dispute this until XX/XX/XXXX the day after.

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 2019-07-22 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Linebarger Goggan Blair & Sampson LLP
State: CA

Complaint narrative:
I reported this issue before to the same CFPB against the city of XXXX XXXX for fraudulent procedures their parking employees use to generate parking tickets as they did with 2 of my vehicles I don't longer own. 
Please refer to my Dispute letter I have against Linebarger Goggan Blair & Sampson it looks they are an Debt collector Attorney as they tried to collect a dispute charge I did it in the past.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied International Credit Corp., (US)
State: IL

Complaint narrative:
A letter was sent to me to attempt to collect a debt for XXXX. I do not have an XXXX account and do not owe any money to them. When I called the number on the letter to try and resolve the issue a women who could not speak English answered the phone and attempted to gain additional information. 
Amount on letter attempted to collect is XXXX. The letter head reads AIC XXXX XXXX XXXX XXXX XXXX. XXXX VA XXXX. I submitted a complaint to XXXX and the authorities but want to report thus scam so others are aware.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/2019 I purchased an excursion for shark diving at the XXXX XXXX in XXXX, XXXX for {$870.00}. Someone in the party became sick and we instantly tried to cancel. The resorts response was to only offer 50 % of the purchase price and I did not agree. On XX/XX/XXXX I called Chase to dispute the charge, the rep mistakenly filed it under fraud which I told him it was not. Then I get a call that my card is closing and questions about the charge for {$870.00} and I explained the situation and I advised them the rep put it under fraud but I told him the story I did not tell him anything about fraud. Now my card is closed, I still owe {$870.00} and Chase then adds another charge for {$870.00} on my account in error. I call again XX/XX/XXXX and explain the situation and explain that the card has been closed and the rep mislead me and advised to send a message online saying I would like to dispute the charge. I call again XX/XX/XXXX following up and inquiring why I was charge twice. I was on the phone for 2 hours, transferred between 4 different department supervisor. They attempted to contact the resort with the same result as me and the last supervisor tells me " I can not do anything '' and hangs up.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Home Loan Center, Inc.
State: NV

Complaint narrative:
We applied for a loan with lending tree on Wed XX/XX/XXXX within two min we got a call from loan officer XXXX XXXX told us we were approved for a {$5000.00} loan thro XXXX XXXX XXXX and that they required 5 % ( {$250.00} ) security deposits because our credit score was under 700. We called XXXX XXXX and they knew nothing of this. When asked why XXXX didnt know he answer us wither deal with its investors not the branch. We followed the directions borrowed the {$250.00} from my mother and sent the {$250.00} and within 5 min we got an email forwarded from XXXX fromNV department of finance saying we had to pay another {$320.00} + {$8.00} stamp fee in fees to the state of NV, well I called the state finance department and that is when we learned we had been scammed. We have reported them to IC3, Interpol, XXXX, and the real lending tree. We want our money back ASAP, they wont answer or return calls or emails and now today Monday the XXXX their phone number is disconnected. I have all their info.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XX/XX/XXXX I spent XXXX $ at XXXX XXXX XXXX. They told me my debit card was declined so I gave them my credit card which they charged. The next day I looked at my bank accounts and both charges went through. I filed a claim with Bank of America which was denied because they didn't have proof that I was double charged. I submitted copies of my statements showing that I was double charged in XXXX and they said they would reopen the claim. They apparently didn't reopen the claim until it was XXXX by which time I was outside of the window to dispute the charge. How is it that I need to send Bank of America copies of my statements that they already have in order to show that I was double charged? Why did they not notify me when I submitted my paperwork that there was a time window that was running out? Why did they not reopen the claim the day I sent the paperwork? Why is it my fault that Bank of America failed to look my statements with them and see charges for the same amount on two different cards on the same day? I made the situation very clear over the phone on multiple occasions and they failed to take appropriate action. I will be looking at moving my money elsewhere unless this is resolved.

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 2019-07-22 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: ALLY FINANCIAL INC.
State: WI

Complaint narrative:
I am the cosigner on my daughters car with Ally Financial. In XXXX she broke her leg taking her out of work for months. She became delinquent on multiple accounts including this note. In XXXX the car was repossessed and she file bankruptcy to get her car back. She is under a repayment plan with her attorney to pay XXXX biweekly toward this car. The bureau XX/XX/XXXX is reporting my account delinquent 120 days even this month of XXXX but reported XXXX and XXXX current. Per the Metro 2, Unlike a Chapter XXXX, Chapter XX/XX/XXXX bankruptcy allows you to protect cosigners and joint account holders through a codebtor stay while paying off the cosigned obligation in your repayment plan. Ally has disagreed with this finding and is continuing to hit my score dropping by 38-40 point monthly. They have an amount. {$2600.00} past due as of XX/XX/2019. The account should only be delinquent for XXXX and XXXX prior to her filing.

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 2019-07-22 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: CL Holdings LLC
State: OH

Complaint narrative:
JEFFERSON CAPITAL SYSTEM Last reported XX/XX/2019 {$490.00} Open balance XXXX XXXX XXXX XXXX Item Results Result : Disputed Information Updated And Other Information Updated - The item you were disputing has been updated, and there have also been some updates to your account info. Youll see all of these changes on your report. 
Dispute Reason Accuracy : The creditor agreed to remove charges and/or fees

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22 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: NY

Complaint narrative:
THE DISPUTED ACCOUNT HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THIS ACCOUNT REMOVE OFF MY CREDIT. THE ACCOUNT IS A CLOSED ACCOUNT THAT HAS BEEN REPORTING AS A DEROGATORY AND HAS BEEN CAUSING SERIOUS DAMAGE TO MY CREDIT. PLEASE HAVE THIS NEGATIVE ITEM OFF MY CREDIT.

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