vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-07 00:00:00
Product: Credit card or prepaid card — Store credit 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:
I purchased an area rug from XXXX  's online on XX/XX/2018. The rug arrived and the color was different that pictured. I tried to return the rug to the downtown store where they sell rugs but they refused to take it. I was forced to ship the rug back which I did. The XXXX tracking indicates the rug arrived at XXXX 's on XX/XX/2018. They have not issued a credit to my credit card and when I call to complain they tell me they have to have the warehouse find it which is ridiculous! While they continue to delay the credit I am being charged interest on the item when they clearly have possession 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 2018-12-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: RI

Complaint narrative:
I switched insurance company 's before my renewal with XXXX  and went with XXXX, i eventually found XXXX sent this matter to a debt collect as if i was obligated to continue my business with them and owed them {$730.00} renewal charges. 

I will attach the new policy insurance card that is dated XX/XX/2016 with XXXX, never a laps on my insurance. 

This was written off XXXX by XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
A payment was sent as an ACH Transaction from my Bank ( Chase ) in the amount of {$830.00} on XX/XX/2018 to Address : XXXX XXXX XXXX XXXX, XXXX, TX, XXXX. I have called the number on the back of the card and spoken with this department 8 times and was told, eventually, that the payment had been rejected, yet it never showed back up in my Checking account at Chase Bank. I have also spoken to personnel at the Credit Union and Chase Bank on several occasions each. The Credit Union told me it was not their problem and I needed to take it up with XXXX XXXX. XXXX told me it wasn't their problem and I needed to take it up with my Bank. Chase researched the matter and I was given a temporary credit to my checking account. After looking into the matter the credit was taken back out of my account with the explanation that the payment had been rejected by XXXX  but was not returned to my checking account. In Chase Bank 's own words, this did not " Constitute a fraud '' therefore they were not liable. This leaves me with making 2 identical payments for the same balance. I used the credit they gave me to pay off the credit card by sending the payment of {$830.00} directly to the Credit Union that issued it to me ( XXXX XXXX XXXX, XXXX, TX ). But when the {$830.00} was taken back out of my account, that left me with a deficit of {$830.00}. The original payment of {$830.00}, made on XX/XX/XXXX, that was never returned to my account, and an additional payment of {$830.00} that I sent to the CU to pay off the card. I have provided a proof of payment to the Credit Union,  XXXX and Chase Bank, but in the end, I was left with a loss of {$830.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Sent Equifax multiple letter on this account and it shows on my credit report that the monthly payment is {$1500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Sent Equifax multiple letter in reffrence to this account and it shows on my credit report a monthly payment of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
After being a Chase Card customer for well over a decade, was offered multiple solicitations for acquiring new credit cards with Chase - all with bonus airline miles and hotel points. Was approved for all ( 3 ) new cards with No annual fee for 1st year. After less than 2 months with payment always paid as agreed, Chase closed all my cards. One of my ( 3 ) approved new cards was never activated but was sent to me.

Chase has done harm to my credit, has charged me an annual fee even though they cancelled my account, failed to credit my points for both airlines and hotel, failed to credit up to {$100.00} for XXXX enrollment and failed to credit airline charge as agreed upon

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: TX

Complaint narrative:
I have tried to send an international money transfer using online services of company MoneyGram. I've been using them for years for the same exact service. But this time it was very different. I sent the transfer on XX/XX/2018 ; the amount is {$480.00} directly deposited from my bank account. The company charged {$25.00} fee, so the final amount was {$500.00}. They withdrew the full amount from my bank account of Tuesday, XX/XX/2018. However, the transfer was not available for pick up till late night on Thursday, XX/XX/2018. When the receiver tried to get the transfer, it was declined for some unexplained " security '' issues. I have to note one more time that I do this operation once a month for years, so if there were security issues they should have been cleared by now.

When I talked to an agent of MoneyGram they said that they will credit the money back to my account but it might take up to ten business days. 
So MoneyGram is working my money out in their own interest and don't feel obligated to return it. I just hope this issue will be resolved and other people will not have to deal with this problem trying to return their own money back. There are many other money services to use without having to deal with money fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
While making a reservation on XXXX XXXX in XX/XX/2018, I was offered a promotion by AMEX to open a co-branded Gold Delta Skymiles card with a promotion of {$200.00} in statement credit and XXXX Bonus Miles if I spent a certain amount in the first 3 months. The offer clearly stated that it was only for New Account Holders who did not have this card in the last year. I had a similar card 2 years ago but since the stipulation was only for the last year, I signed up for the card. I met their spend requirement and even after 10 months I have not been given the statement credit or the bonus miles. I have called multiple times and was told that they will investigate and get back to me but no one did. Finally when I called today, first they make me hold and then hang up on me. And when I called again, I was again put on a long hold and then told that since I had the card in the past they did not give me the promotional offer although the offer very clearly stipulated the restricted time of 1 year. The agent was like we are sorry that the online offer was misleading and did not match and I will ask our marketing team to review the offer materials but would give me no time frame for any resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-07 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I was a tenant at XXXX XXXX XXXX in XXXX. I actually only was a tenant for a month. I moved with permission and I continued in good faith to pay the rent though I did not live in the apartment until a suitable tenant was found. XXXX XXXX XXXX XXXX and XXXX XXXX XXXX in XXXX suffered no loss from this and I paid thousands for a property I did not live in. The company sent a claim to collections out of the blue, in XX/XX/XXXX - more than one year later - and claimed that I owed them a penalty payment that was written into the contract for breaking the lease. Some kind of reletting fee that is extremely excessive and is very unfair to the tenant as the tenant has no choice but to sign and approve all of the terms presented though they are clearly taking advantage of people and their position as a landlord. Most of all, I was told by the property manager that I would not have to pay this obviously outrageous charge of almost {$1000.00} as a cancellation fee. XXXX XXXX XXXX XXXX parked this debt after verbally telling me that I would not have to pay for it and has taken advantage of their position and my health condition. I contacted the property and spoke with XXXX XXXX who said she could not help me. She referred me to XXXX XXXX and I contacted her on XX/XX/XXXX & XX/XX/XXXX with no response. I wrote a certified letter on XX/XX/XXXX. I was ignored. I sent an email to the company 's general counsel XX/XX/XXXX and he didn't bother to contact me. I spoke with Ms. XXXX briefly on XX/XX/XXXX and0 she assured me that she would look into it and has refused to call me back though I called her to follow up and request a letter of deletion on XX/XX/XXXX and XX/XX/XXXX. This has very negatively affected my credit, very negatively impacts my ability to rent an apartment in the future and it is grossly unfair for them to park the debt and just put it on my credit without recourse. I have worked very hard for the last 5 years to keep my credit score up despite many medical problems and bills etc. XXXX XXXX XXXX has carelessly damaged my credit, my ability to rent a property and they absolutely refuse to give me the courtesy of calling me back. They are unprofessional and predatory and they should be investigated for their taking advantage of tenants. 

I have had very severe physical illness for several years and despite my health and financial challenges, I did the right thing and paid this company

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 2018-12-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Pressler & Pressler, LLP
State: PA

Complaint narrative:
Case # XXXX is the reference number for this. They want to resolve this by having me make a payment. This debt is around 2800.00. I can't afford that and could not go high for a settlement because I have only XXXX  which can not be garnished. It is my only income. They threatened to keep the judgment on me for 20 years. They are trying to ruin my life. And I have no money to give. I included what I own in last case and it's XXXX or less. This is harassment and scare tactics. I am going through the cfpb to keep everything on a record to protect myself. Please stop checking my credit and other finances which are none. I even received a letter that I wasn't allowed to have a block on my credit while I was going through ID theft. You can't do that. I want to be left alone

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: MN

Complaint narrative:
I am repaying my loans with the XXXX Award and there is a text box for instructions on the My XXXX Repayment Request Form. I have made three payments so far and included my specific instructions on how to allocate my payment of {$850.00} to my loans. Keep in mind that I have already included interest as well. 
I log in and I see that my payments have been processed for the full amount but some of my loans still are outstanding. 
Instead of following my directions, Navient had distributed my payments on my loans incorrectly and improperly. 
Here is the amount that I instructed : XXXX Direct Loan - Subsidized XXXX XXXX Direct Loan - Subsidized XXXX XXXX Direct Loan - Subsidized XXXX XXXX Direct Loan - Subsidized XXXX XXXX Direct Loan - Unsubsidized XXXX XXXX Direct Loan - Unsubsidized XXXX XXXX Direct Loan - Unsubsidized XXXX XXXX Direct Loan - Subsidized XXXX XXXX Direct Loan - Unsubsidized XXXX XXXX Direct Loan - Subsidized XXXX XXXX Direct Loan - Unsubsidized XXXX XXXX Direct Loan - Unsubsidized XXXX XXXX Direct Loan - Subsidized XXXX XXXX Direct Loan - Unsubsidized XXXX Here is how they allocated my most recent payment : XXXX Direct Loan - Subsidized {$0.00} XXXX Direct Loan - Subsidized {$0.00} XXXX Direct Loan - Subsidized {$0.00} XXXX Direct Loan - Subsidized {$0.00} XXXX Direct Loan - Unsubsidized - {$94.00} XXXX Direct Loan - Unsubsidized - {$89.00} XXXX Direct Loan - Unsubsidized - {$90.00} XXXX Direct Loan - Subsidized {$0.00} XXXX Direct Loan - Unsubsidized - {$290.00} XXXX Direct Loan - Subsidized {$0.00} XXXX Direct Loan - Unsubsidized - {$79.00} XXXX Direct Loan - Unsubsidized - {$190.00} XXXX Direct Loan - Subsidized {$0.00} XXXX Direct Loan - Unsubsidized {$0.00} I expect Navient to resolve this by allocating the past payments correctly. I have a limited amount of XXXX Award and I CAN NOT disburse more due to Navient 's error.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07 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: HSBC NORTH AMERICA HOLDINGS INC.
State: VA

Complaint narrative:
Over 30 days ago I noticed a withdrawal from my HSBC account. Someone wired money from my account to another account in Illinois. I contacted my account and they were able to get a hold of the other bank and stop the distribution of my money. I have now waited over 30 days for the amount of {$400.00} plus a {$35.00} service charge to be put back in my account. It takes over an hour to sit on hold waiting on someone from the fraud department to get on the phone and when I do no seems to know when I'm getting my money or what is going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
This is about the 5th time that this has happened. TransUnion has reported incorrect information on my report. I am showing an open loan on my credit that is not mine. It was opened XX/XX/2018 from XXXX XXXX. I spoke with XXXX on XX/XX/18 at XXXX XXXX They confirmed I did not have an account with them and saw another account with a similar s.s. number that was open on the date reported. They said it was a reporting issue on the side of TranUnion. I need this information corrected immediately.

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 2018-12-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I got a loan through XXXX XXXX XXXX on XX/XX/17. 

I filed for Chapter XXXX Bankruptcy in XX/XX/2017. The vehicle loan was excluded from the plan. ( Proof attached ). Timely payments have been and still are being made. 

Since that point the loan, on my credit report, has continually showed incorrectly. Some months it shows that it is closed. Some months it shows as being open, but no balance, no payment information. Some months it shows open but being part of bankruptcy. 

Currently, it is not showing anywhere on my TransUnion account ( it isn't shown as open, it isn't shown as closed, etc. On XXXX  it is showing as closed, XXXX  % paid off, but no payment information ( Highest Balance = {$0.00} ) - XXXX  screen shot attached. 

I disputed with TransUnion on XXXX XXXX & XXXX XXXX ( via XXXX   website ), details attached. I also disputed directly with XXXX  on XXXX XXXX   ( details attached ). 

In all cases, " changes '' were made to the reporting, but the changes were still inaccurate and the following month the reporting changed ( sometimes reverted, sometimes to something completely different ).

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 2018-12-07 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: EQUIFAX, INC.
State: WI

Complaint narrative:
I got a loan through XXXX XXXX XXXX on XX/XX/17. 

I filed for Chapter XXXX Bankruptcy in XX/XX/2017. The vehicle loan was excluded from the plan. ( Proof attached ). Timely payments have been and still are being made. 

Since that point the loan, on my credit report, has continually showed incorrectly. Some months it shows that it is closed. Some months it shows as being open, but no balance, no payment information. Some months it shows open but being part of bankruptcy. 

Currently, it is not showing anywhere on my XXXX  account ( it isn't shown as open, it isn't shown as closed, etc. On Equifax it is showing as closed, XXXX % paid off, but no payment information ( Highest Balance = {$0.00} ) - Equifax screen shot attached.

I disputed with XXXX  on XXXX  XXXX  & XXXX   XXXX  ( via XXXX website ), details attached. I also disputed directly with Equifax on XXXX  XXXX  ( details attached ).

In all cases, " changes '' were made to the reporting, but the changes were still inaccurate and the following month the reporting changed ( sometimes reverted, sometimes to something completely different ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica
State: FL

Complaint narrative:
This happen on XX/XX/XXXX My Card Was Mail To A New Address And Someone Close Out My Old Card And On XX/XX/XXXX Someone Use My Card I called the company and said I can not get my money off my card and they just told me someone had used my card and I cant get my money back but they dd send me a new card

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-07 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: CITIBANK, N.A.
State: DE

Complaint narrative:
Problems with XXXX transactions showing up on this account when I did not make and I did not authorize any such transactions involving 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 2018-12-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Hello, I have been trying to dispute 4 accounts that are paid in full and are very old accounts. I've also tried XXXX XXXX to dispute which was a slow process in which I understand it ; s based off timing and how long I will continue to pay for services. Both Experian and XXXX  are still reporting old information, but amazingly XXXX  has removed and Experian continues to report. 

Experian : : XXXX XXXX XXXX XXXX was paid off through XXXX XXXX because the car was total through an accident. I understand there was a few lateness, but why should I still be punished on my credit profile for an account that was satisfied? 
XXXX XXXX XXXX is a paid account from XX/XX/XXXX XXXX XXXX XXXX XXXX : is a paid account from several years. I believe XX/XX/XXXX-XX/XX/XXXX XXXX  : still reporting an account " XXXX XXXX that's been paid for several years ; XX/XX/XXXX-XX/XX/XXXX. They also state on my credit profile it was a charge off when I paid in full through a court decision. 

I take full responsibility of my mistakes and downfalls during a time when I was unable to keep up on payments with certain accounts, but i'm in a better space now and I don ; t feel like this should be continue as this cat and mouse game. XXXX XXXX will send me information that an account has been removed but when I look at my Experian account the issue is still there. Those issues are the accounts i listed above : " XXXX XXXX XXXX  '', " XXXX  XXXX  '' r and " XXXX  XXXX XXXX   XXXX  ''. 

As well as the one account XXXX  is still reporting : " XXXX XXXX '' Thank you,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-07 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: Nelnet, Inc.
State: FL

Complaint narrative:
I filed several disputes with XXXX  regarding the Nelnet student loan accounts. My loans have been rehabilitated as of XXXX of XXXX and are in good standing. The Nelnet account has been closed since XXXX, but they are still reporting every month on my credit report. On XX/XX/XXXX Nelnet reported that I had a 120 day late which was not correct. My loans were in rehabilitation at that time and the Nelnet account was already closed for 4 years. I asked numerous times for this to be removed from my credit report as it is hurting my credit score and making it hard for me to have a better quality of life. The other two credit bureaus ( XXXX  and XXXX  ) have already made the adjustments after their investigation, however  XXXX  refuses to remove the false information.

Company response to consumer: Closed with explanation