vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-07 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: Bliksum, LLC
State: CA

Complaint narrative:
Loan Me offered a business loan to my company XXXX XXXX XXXX and never told me that they were adding this loan to my personal credit, putting me as a co-signer. They lied to me, they also lied saying that I only needed to make 4 payments and then they were going to give me better terms, they were going to restructure the loan, I just needed to establish a " relationship '' with the company. It has been more than 4 payments and they have not readjusted the terms which are outrageous and predatory. With a 94 % interest rate, to pay over 10 years at a $ XXXX monthly payment. From a {$9000.00} loan, I will end up paying {$84000.00}. They lied and scammed me into this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
This is a card from XXXX. I have contacted Citi in regards to the payments, i do my payments online and sometimes even though they withdraw the money from the payment they don't apply this amount. They say that the process takes 15 days, in some case i have asked my bank and create a joint call to show that the funds have been withdraw. 
The checking account is the same one and i have used this account for the last two years and always made my payments from the same account. 
i have to pay my credit card in small accounts because if i made a payment higher than XXXX, they hold the payment to reflect in my account for 15 days.

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 2019-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
XX/XX/2016 lease use car from. Auto buy credit use car lot. The car was given back due to problems with the warranty company was not willing fix thevtransmission the bal i owe XXXX. They are add crazy fees too the finial bill. Iam looking to get this account close if possible. 
Taken off my report

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 2019-04-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX is an account that does not belong to me. I called XXXX   only to find out that the account that is being reported on my credit has a totally different address and that the account does not belong to me. There are hundreds of XXXX XXXX in the world. I also had a fraud on my credit some years ago. Not only is this account not mine but it is also showing on my credit report 2 times. Both accounts have the same open date but different dollar amounts but the same account. There definitely is a identity mixup. This issue is causing my credit score to plum drastically. The address that XXXX XXXX have belongs to someone else. Please do not send me a pre-made letter stating this account was verified without telling me who the credit bureaus physically talked to verify this account and I need a signed original contract with my signature on it. Remove these duplicate accounts immediately! I will be pursuing legal action if this is not 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 explanation
Consumer complaint received 2019-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/2019 I was scammed of all my money at Bank Of America by a company pretending to be XXXX. They took all my Bank account and savings funds and credit card limits. The Bank Of America emailed me of the activity but the scammers had loaded software that prohibited mt accessing my account. BOA should have called 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 2019-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX XXXX is an account that does not belong to me. I called XXXX  only to find out that the account that is being reported on my credit has a totally different address and that the account does not belong to me. There are hundreds of XXXX XXXX in the world. I also had a fraud on my credit some years ago. Not only is this account not mine but it is also showing on my credit report 2 times. Both accounts have the same open date but different dollar amounts but the same account. There definitely is a identity mixup. This issue is causing my credit score to plum drastically. The address that XXXX XXXX have belongs to someone else. Please do not send me a pre-made letter stating this account was verified without telling me who the credit bureaus physically talked to verify this account and I need a signed original contract with my signature on it. Remove these duplicate accounts immediately! I will be pursuing legal action if this is not resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-07 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 — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I am reaching out to you because I feel that I am at a lost in regards to fraud claims that I disputed and that XXXX fails to assist me towards a fair and positive resolution. 

I submitted a fraud claim within 30 days of the multiple fraudulent charges totaling {$2200.00}. XXXX decided to cancel my account and close the investigation and I am liable for the fraud charges. Their explanation was that the charges were not fraudulent, however they did not provide any supporting documentation nor proper investigation. XXXX based their resolution on the fact that I have been a victim of fraud charges on the past and they assumed that I was negligent with my credit card. 


I have appealed XXXX 's resolution and provided them with explanation and affidavits, however to this date XXXX has failed to provide me with a positive resolution. I have been a long time customer of XXXX and I have had an excellent payment history and I believe that not only this is an injustice but it is unfair and according to their consumer agreement I should not be liable for fraudulent charges. 


I really appreciate your assistance in finding a positive and fair resolution to my claim. For ease of reference, I have uploaded some of the last communication letters exchanged with XXXX in regards to the fraud claim. 

Regards, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-07 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I received a letter dated XX/XX/2019 from XXXX XXXX XXXX, stating my recent request for prequalification for a XXXX XXXX XXXX card. And I also said that they couldnt give me a line of credit due to the fact of No Credit Report Found. I  have NOT applied for any credit recently.

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 2019-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I had disputed a remark that was on my equifax credit report in regards to my XXXX charge account. The remark was removed now upon checking my report again equifax has re-inserted the remark again and it caused my credit score to drop again. This remark does not belong on my credit report. I had cleared this issue up with XXXX department store months ago.i dont no why equifax put this remark back on my report. This is wrong information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-07 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 — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I am reaching out to you because I feel that I am at a lost in regards to fraud claims that I disputed and that XXXX fails to assist me towards a fair and positive resolution. 

I submitted a fraud claim within 30 days of the multiple fraudulent charges totaling {$2000.00}. XXXX decided to cancel my account and close the investigation and I am liable for the fraud charges. Their explanation was that the charges were not fraudulent, however they did not provide any supporting documentation nor proper investigation. XXXX based their resolution on the fact that I have been a victim of fraud charges on the past and they assumed that I was negligent with my credit card. 


I have appealed XXXX 's resolution and provided them with explanation and affidavits, however to this date XXXX has failed to provide me with a positive resolution. I have been a long time customer of XXXX and I have had an excellent payment history and I believe that not only this is an injustice but it is unfair and according to their consumer agreement I should not be liable for fraudulent charges. 


I really appreciate your assistance in finding a positive and fair resolution to my claim. For ease of reference, I have uploaded some of the last communication letters exchanged with XXXX in regards to the fraud claim. 

Regards, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I have a Cabela 's Club credit card which I have had for approximately 15 years ( maybe longer -- I don't recall exactly ). Until recently, this credit card was a Visa card. I have never had a problem with Visa in all of those years. Note also that my credit rating was over 800 last time I checked. Anyway, Cabela ' recently changed the Cabela 's Club credit card to a Master Card serviced by Capital One. 

On XXXX ( or possibly a day later ), using the Capital One pre-printed supplied envelope, I sent in a payment of {$400.00} using a money order. 

Capital One claims they never received this payment. However, the money order was stolen, altered, and then cashed by someone else. I have a copy of the cashed money order sent to me by XXXX. It even still has the last 4 digits of my credit card number on it written over with a signature. The rest of the information on the money order looks to have been " whited out '' and written over. 

I find it hard to believe that a USPS postal worker randomly stole the envelope I sent through the USPS with this payment, opened it, took the money order, altered it, and cashed it. Note that I took the envelope to the post office to mail it. I did not send it from my home mailbox. 

I believe the payment arrived at the Capital One payment processing office, it was stolen by someone there, and then cashed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I had disputed a remark that was on my XXXX credit report in regards to my XXXX charge account. The remark was removed now upon checking my report again XXXX  has re-inserted the remark again and it caused my credit score to drop again. This remark does not belong on my credit report. I had cleared this issue up with XXXX department store months ago.i dont no why XXXX put this remark back on my report. This is wrong information.

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 2019-04-07 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: NY

Complaint narrative:
I had disputed a remark that was on my XXXX credit report in regards to my XXXX charge account. The remark was removed now upon checking my report again XXXX  has re-inserted the remark again and it caused my credit score to drop again. This remark does not belong on my credit report. I had cleared this issue up with XXXX XXXX XXXX months ago.i dont no why XXXX  put this remark back on my report. This is wrong information.

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 2019-04-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX sold this account to XXXX XXXX which are 2 accounts that does not belong to me. I called XXXX only to find out that the account that is being reported on my credit has a totally different address and that the account does not belong to me. There are hundreds of XXXX XXXX in the world. I also had a fraud on my credit some years ago. Not only is these accounts not mine but XXXX XXXX is also showing on my credit report 2 times. Both accounts have the same open date but different dollar amounts but the same account. There definitely is a identity mixup. This issue is causing my credit score to plum drastically. The address that XXXX XXXX and XXXX XXXX have belongs to someone else. Please do not send me a pre-made letter stating this account was verified without telling me who the credit bureaus physically talked to verify this account and I need a signed original contract with my signature on it. Remove these duplicate accounts immediately! I will be pursuing legal action if this is not resolved. I have been living at XXXX XXXX XXXX, XXXX XXXX, Ohio XXXX for decades until moving to XXXX XXXX XXXX XXXX, XXXX, Ohio XXXX XX/XX/2017 to present.

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 2019-04-07 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: OH

Complaint narrative:
XXXX XXXX sold this account to XXXX XXXX which are 2 accounts that does not belong to me. I called XXXX only to find out that the account that is being reported on my credit has a totally different address and that the account does not belong to me. There are hundreds of XXXX XXXX in the world. I also had a fraud on my credit some years ago. Not only is these accounts not mine but XXXX XXXX is also showing on my credit report 2 times. Both accounts have the same open date but different dollar amounts but the same account. There definitely is a identity mixup. This issue is causing my credit score to plum drastically. The address that XXXX XXXX and XXXX XXXX have belongs to someone else. Please do not send me a pre-made letter stating this account was verified without telling me who the credit bureaus physically talked to verify this account and I need a signed original contract with my signature on it. Remove these duplicate accounts immediately! I will be pursuing legal action if this is not resolved. I have been living at XXXX XXXX XXXX, XXXX XXXX, Ohio XXXX for decades until moving to XXXX XXXX XXXX XXXX, XXXX, Ohio XXXX XX/XX/2017 to present.

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 2019-04-07 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: AZ

Complaint narrative:
I have been contacted by a debt collector about a delinquent credit card account that is not mine. The debt was sold to the debt collector by Citi and they were provided with my information even though the account is not mine. I have contacted Citi several times about the account have been told to contact a " client resolutions '' phone number, but when I call the number it simply hangs up.

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 2019-04-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In XXXX I disputed an incorrect mispayment error on my credit report submitted by XXXX XXXX because they were angry that I closed a credit card account. I disputed the action with Transunion and they lowered my credit score. Now again in XXXX, I disputed a different error and once again, Transunion downgraded my credit score from that same XXXX missed payment error. How come they are allowed to continue to lower my score after already punishing me for it a number of years prior? All the other credit reporting agencies have fixed the error with the XXXXXXXX XXXX miss payment reporting except Transunion and every time they review it or I bring it to their attention, Transunion continues to lower my credit score even more. I almost lost a job because of it.

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 2019-04-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Nelnet, Inc.
State: AL

Complaint narrative:
I was shocked when I reviewed my credit report and found 120 days late payment on the dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-07 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: FC HoldCo LLC
State: IL

Complaint narrative:
We have had problems with XXXX XXXX XXXX for years. We have never missed or been late with a payment. We make a {$100.00} payment automatically deducted from our account, and have never varried. These payments have not been applied correctly to our account, resulting in them accusing us of missing and late payments. On At least two occasions we have had to research our accounts and go through our payments to provide copies of the front and back of each check. After we have provided this information they corrected our account to match the true payments made. We have had a terrible problem with their customer service and have not been able to get a single point of contact resulting in hours and hours of repeated conversations. Our first set of checks were sent to them in XXXX of XXXX, and finally again XXXX of XXXX. I have all of the information that I have sent to them if you are interested. This month, while our paperwork was accepted, they filed on our credit report that we were 30-59 days late with our payment. We disputed with the agencies and called the company but they reaffirmed the late payment, not to mention that the overall balance listed was higher by about {$1000.00} than what we really owed. I am tired of fighting with them only to have innacuarate information posted to my credit report while they know this has been a problem with their accounting. If we had not checked into this problem they would have kept our money and never applied it to our account. To me that is fraud and considered illegal activity. I have attached a photo of our account statement showing a negative balance due. This is not because we suddenly paid extra money. This is because they correctly applied the money we have already paid, every two weeks since the inception of the loan.

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