vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-28 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: PNC Bank N.A.
State: NJ

Complaint narrative:
This is regarding an {$89.00} fee. The credit card I mention was closed in XXXX of XXXX. Yet, an automated transaction went through on the account XX/XX/XXXX. This means the bank and the bank card approved a transaction on a closed credit card account. There is still no available credit balance on the account. The account is still closed. The bank refuses to remove the charge. This is their mistake. When I called them about it they refused to do anything about the transaction because the company sent the merchandise. How can a credit card company let a transaction go through on a closed account, when the consumer is not expecting a charge to go through at all? 

In all of the years I've used credit cards, I've never seen a credit card company allow a charge on a closed account. 

This company is PNC Bank, and their PNC Cashbuilder card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-28 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: AZ

Complaint narrative:
On XX/XX/2018 I received a fraudulent inquiry on my Equifax credit report titled XXXX/XXXX. I called the XXXX XXXX that same day to remove the inquiry. They created a fraud case and I received a copy of the letter they sent to Equifax to remove the inquiry. After 2-3 months of no change to my credit file, I called XXXX  XXXX once again. They created and fraud case and requested that Equifax remove the inquiry. No change once again. I called Equifax numerous times and they consistently advise that I need to contact lender. I faxed Equifax a police report, FTC affidavit, copy of letters the XXXX XXXX sent to Equifax, copy of ssn and copy of state ID. I had actually listed another fraudulent inquiry on this fax submission that was for XXXX  XXXX/XXXX inquiry from XX/XX/2018 and they removed this one on XX/XX/XXXX but not the XXXX/XXXX. I constantly called Equifax and they have advised that they can not remove the inquiry, put me in hold for several minutes ( 40+ ) and transfer me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My identity was stolen back in XX/XX/2013 and someone used my information and made fraud transactions of {$70.00} which I have no knowledge about. 
And I have problems now in the XXXX XXXX B of A Checking Acct no XXXX Routing No 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 2019-03-28 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Cottonwood Financial Ltd.
State: IL

Complaint narrative:
I received a call from a woman named XXXX who is collecting a debt for Cottonwood Financial ( or The Cash Store ) and she repeatedly talked over me. I explained to her that I did not want her to ever call me again and she continued to speak over me. I asked to speak to her supervisor and she was even worse. I tried to ask for the collection agency she worked for and all she said was XXXX. I dont normally answer a Texas phone number however I was in my car and answered it, and she immediately started to be hateful once she found out I did not have a job to pay the 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 2019-03-28 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: CITIBANK, N.A.
State: AZ

Complaint narrative:
On XX/XX/2018 I received a fraudulent inquiry on my XXXX credit report titled XXXX/cbna. I called the home Depot that same day to remove the inquiry. They created a fraud case and I received a copy of the letter they sent to XXXX to remove the inquiry. After 2-3 months of no change to my credit file, I called home Depot once again. They created and fraud case and requested that XXXX remove the inquiry. No change once again. I called XXXX numerous times and they consistently advise that I need to contact lender. I faxed XXXX a police report, FTC affidavit, copy of letters the home Depot sent to XXXX, copy of ssn and copy of state ID. I had actually listed another fraudulent inquiry on this fax submission that was for XXXX bank/XXXX inquiry from XX/XX/2018 and they removed this one on XX/XX/XXXX but not the XXXX/cbna. I constantly called XXXX and they have advised that they can not remove the inquiry, put me in hold for several minutes ( 40+ ) and transfer 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 2019-03-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Perfection Collection
State: IL

Complaint narrative:
I have sent Identity Theft Reports, a Police Report, two forms of identification, a copy of " Notice To Furnishers of Information Obligation : Obligation of Furnishers Under the Fair Credit Reporting Act ( FRCA ), 15 U.S.C.1687-1681y information and letters to the collection company ( Perfect Collection LL ) and nothing has been done to remove this negative information from my credit report for XXXX. Their claim is that I owe {$4300.00} to a company name XXXX, who sold this debt to Perfect Collection LL. This company has refused to acknowledge that the information they have clearly shows it is not my signature ( or name ) and I did not authorize whatever that company says service was given on my behalf, and I have not authorized anyone to use my information. I also will be reaching out to an attorney if this doesn't get the matter resolved. All the information listed above was sent to the company on XX/XX/2019, and I should have had a response by XX/XX/2019.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
I requested XXXX XXXX  ( XXXX  Credit card ) to do an audit of my account because I was inaccurately charged interest for an item that was returned and a late fee on my account although I was paying double payment due. 

I returned a handbag on XX/XX/XXXX, but XXXX didn't timely credit my account until XXXX XXXX, XXXX. I was paying interest based on the {$110.00} charge that should've been credit to my account XX/XX/XXXX. The interest charged on the account needs to be adjusted, especially the amount of {$57.00} charged on XXXX XXXX, XXXX. 

In addition, I was charged late fees XX/XX/XXXX ( {$32.00} ) and XX/XX/XXXX ( {$27.00} ) although I paid double the amount due.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I had a XXXX XXXX account years ago. Due to my divorce I was unable to pay my bill completely off. I was paying my bill as I got money. I never stop paying totally. I contacted XXXX XXXX and told them about the divorce. My account was sent over to a collection agency I reached out to the collection agency because the amount they stated I owed was incorrect. I ask for specific information, I got a letter with basic information just the account number, original account date and the amount owed. I waited thinking they would give me the information I ask for the original agreement, payment history etc.. I followed up to the collection agency with another letter, the collection agency then responded saying that they will not respond because my letter was duplicate and they didn't see a reason to give me the information I requested. I am asking for the information to see how the amount that is being requested came about. All 3 credit bureaus is reporting something different and I definitely know the amount is wrong. I am ad have been trying to pay my debt but I refuse to pay something that I don't owe. I understand my divorce is my own personal issue and I still am responsible I am asking for the documentation so I can pay my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC.
State: MO

Complaint narrative:
CashNet USA is charging me an extremely high interest rate that I can not afford and is refusing to work with me to establish a more reasonable interest rate and payment plan.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28 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: CA

Complaint narrative:
On XX/XX/XXXX, I had a reservation for a XXXX XXXX XXXX XXXX that I booked through XXXX. I arrived on time to pick it up with my partner, whose name I put on the reservation since I expected he'd be the primary driver. My partner lost his driver 's license while we were traveling, and despite him having the license number, he wasn't able to claim the rental car. 

The manager at XXXX XXXX XXXX XXXX told me that if I had booked through them, they'd either be able to change the name on the reservation to my name or add me as a driver with no problem whatsoever. But, since I booked through XXXX, I was required to ask them to make the change. 

I spent nearly an hour on the phone with XXXX and they refused to add me as a driver or change the name on the reservation. I asked to speak to a manager multiple times and the person I spoke to refuse to escalate my issue to someone who could help. We were stranded at the airport without a car despite making reservations well in advance! It was a nightmare. 

So, since we were out of options, I had to purchase another rental through XXXX and paid {$350.00}, which is {$110.00} more than I paid XXXX for the same exact car. Attached is the {$350.00} charge from XXXX XXXX XXXX XXXX which was posted to my account on XX/XX/XXXX when we returned the car. 

I asked Citi Bank to remove the {$240.00} charge from XXXX on my account within 14 days of the incident. Citi didn't get back to me to reject my dispute until XXXX XXXX almost 3 months later! I immediately called their service department and tried to appeal. I also appealed in writing via email. *This is a service I paid for and did not receive. * XXXX XXXX XXXX XXXX management confirmed that there is no reason why they couldn't have either added me as a driver or changed the name on the reservation. For goodness sake, my name was on the credit card that I made the reservation with! 

Today, a month after I filed the appeal, Citi finally responded with, " we no longer have any recourse to obtain credit for you since the timeframe, in which to resolve a dispute had passed. '' It wouldn't be outside of the timeframe if Citi didn't take so long getting back to me the first time! 

This has been an awful experience and I am regretting having chosen to have a credit card and bank accounts with Citi.

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 2019-03-28 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: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I received a 30-59 day late reporting to my credit for a missed payment on XX/XX/XXXX. I was not given a courtesy phone call nor letter stating I had missed a payment during that month. I was told that the reason I did not receive notification was due to the fact that I was a paperless customer and if I were to look over my statement I would have known I was past due. I sent a certified letter to the executive office advising there were extenuating circumstances that led to the missed payment and that as soon as I realized I rectified my account on XX/XX/19. I have always paid over and above the minimum due and been an outstanding customer. I was contacted on XX/XX/19 by Chase in response to my letter stating they would investigate. I called back on Monday XX/XX/19 and spoke with a representative by the name of XXXX XXXX. I informed Ms. XXXX that I believed I should be given a goodwill adjustment and have the late reporting removed from my credit as it did not reflect my credit worthiness nor my ability to repay my debt. She did not once ask what my extenuating circumstances were and offered a resolution of contacting the bureaus myself. I told her that, that would not do anything and if there were someone else I could speak with. She then appointmented herself as the highest authority due to the fact that I called the executive office and stated that if I were to write another letter she would be sure to respond to it with the same resolution. At this point in the conversation I was completely distraught and actually crying - she shouted over me then stated she would notate my account and have a supervisor contact me. This late payment will potentially hinder me from purchasing my first home and do not believe I have been treated fairly by this institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.

Complaint narrative:
I have complaint against citibank credit card.I have been levied annual fees in my statement. On approaching them, they said that my usage was less in the year so they have charged. I informed them that I am not interested in the card and would not be paying such annual fees. They blocked my card and now they are sending me bill with annual fees and interest thereon. I have not even used any credit points nor I have delayed any of their payment since the year I opted for the card. 
Name : XXXX XXXX. 
Mobile No. : XXXX. 
Email Id : 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 2019-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
Sent in disputer letter in XX/XX/XXXX, XX/XX/XXXX, and called XX/XX/XXXX. 

XXXX XXXX is incorrectly reporting late payment across all three credit providers. 

XXXX keep saying they investigate this compliant but never updates XXXX   XXXX report with no late payment and Transunion XXXX with no late payment

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 2019-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
Sent in disputer letter in XX/XX/XXXX, XX/XX/XXXX, and called XX/XX/XXXX. 

XXXX XXXX is incorrectly reporting late payment across all three credit providers. 

XXXX keep saying they investigate this compliant but never updates XXXX XXXX report with no late payment and XXXX XXXX with no late payment

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28 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: MN

Complaint narrative:
Sent in disputer letter in XX/XX/XXXX, XX/XX/XXXX, and called XX/XX/XXXX. 

XXXX XXXX is incorrectly reporting late payment across all three credit providers. 

XXXX keep saying they investigate this compliant but never updates Experian XXXX report with no late payment and XXXX XXXX with no late payment

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 2019-03-28 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:
Ive been disputing Bankruptcies that have been Reporting inaccurately On my credit report for months. Experian says they have been verifying this through XXXX. The problem with that is that my credit file with XXXX is frozen. I called XXXX myself to verify if any information is given out while my file is frozen and A representative confirmed that once the file is frozen no information is given out of any kind. So with that being said I want to know how Experian is verifying this. I have attached the dispute results from Experian Which clearly says they confirmed with XXXX along with the letter from XXXX XXXX confirming that my file is frozen.

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 2019-03-28 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: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
I have a loan with NAVY FEDERAL CU. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX  and XXXX and NAVY FEDERAL CU was no successful resolution. NAVY FEDERAL CU was reporting me late. There was definitely an error on their part. I was never 30 days late XXXX 2018 2018

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: VA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF THE WEST
State: IL

Complaint narrative:
Unauthorized inquiry/inquiries

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 2019-03-28 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: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
I have a loan with XXXX  I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and XXXX and XXXX with no successful resolution. XXXX and XXXX  were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX, XX/XX/2018 XX/XX/2018

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NH

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: VA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief