vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-02 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: TX

Complaint narrative:
XX/XX/2020 I disputed the XX/XX/2020 charge from XXXX XXXX for {$620.00}. On XX/XX/2020 I had a guaranteed reservation with the merchant. However, upon arrival to pick up a vehicle the merchant was sold out and only had premium upgrades available for rent. I spoke with XXXX Customer Service on XX/XX/2020, XX/XX/2020, and XX/XX/2020 who informed me I should not be charged an upgrade fee at all as my reservation was guaranteed and as a XXXX XXXX  member, I am guaranteed a choice of almost every vehicle on the lot under their XXXX XXXX XXXX program. The exception being the premium vehicle upgrades which should cost me at most an additional {$25.00}. However, I should have not had even been charged an upgrade fee as my reservation was guaranteed and they were required to provide a vehicle. Regardless, rather than being charged the {$49.00} + {$25.00} upgrade fee at most, XXXX charged me {$620.00}. This represents a significant overcharge from the contracted rates guaranteed at the time of rental. I provided Citi all the documentation needed, a signed explanation of the dispute, the original reservation, documented evidence the upgrade cost should have been at most {$25.00}, as well as proof of my XXXXXXXX XXXX  XXXX XXXX. I also provided Citi with a copy of the Mastercard Chargeback guide which all conditions needed to validate this dispute where met. 

Rather than process the dispute as required under the FCBPA, Citi sent me a letter dated a month prior to the dispute even being submitted closing the dispute. Upon contacting CITI on XX/XX/2020, and escalating my call to a manager Citi representatives claimed they had no dispute rights for this charge and there was nothing they could do, in opposition to the Chargeback guidelines provided by MasterCard. This represents a clear violation of FCBPA.

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 2020-09-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: IL

Complaint narrative:
I took out loans for XXXX school. As I approached graduation and in the first several months following ( between XXXX ), I spoke with XXXX XXXX, XXXX and XXXX  agents several times to ensure that all my loans qualified for for PSLF and that I had been entered into repayment as of XX/XX/XXXX ( first month after graduation ). I was assured several times that all my loans did indeed qualify and that I was in repayment with XXXX $ payments until XX/XX/XXXX. Subsequently my loans were transferred to Fedloan, where I continued to have regular contact with Customer service agents who again reassured me several times that all my loans were qualifying loans. Come to find out in XXXX during one of my frequent calls with Fedloan ( I literally called them 3 times a year, regularly, to ensure I was doing everything correctly ) that some of my loads did NOT qualify for PSLF. I was advised that I had to consolidate those loans and that prior payments wouldnt count toward PSLF. I had no choice but to do so. There was no outlet for further explanation or source of counseling. Despite my near constant communication with XXXX and Fedloan they had not once disclosed this information previously, despite being specifically asked several times. Its no surprise I guess since my loan servicer was transferred through 4 different servicers in those years from XXXX. So even though I was completely on top of it and knew what to ask and asked several customer service people regularly, no one ever gave me the correct information. As it was no fault of my own, these years of payments i made on those non-qualifying loans should be counted. And the companies involved should take responsibility for providing false information and lying to me. Furthermore, Fedloan has not counted several of payments I have made as qualifying payments. This is despite me asking for a recount for 1 year. Notably, I have been in automatic repayment every single month since I graduated in XX/XX/XXXX - meaning that they have had complete access to my bank account and that logically, there is absolutely zero reason that I would ever have a late or missed payment through any fault of my own. 
These loan servicers pray on young, ambitious and extremely busy people ( Im sure no one in their company understands what a 100 hour  work week feels like ). Their customer service agents give false information and have zero skin in the game. They have no incentive to provide accurate information - especially when my loans were constantly being transferred to different servicers ( 4 servicers in 2-4 years! ). They are criminal. Completely unethical and the worst part is that I have no option to be at their mercy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I had wrote a check for XXXX for labor through my business account on XX/XX/2020. The check had been cleared on XX/XX/2020. The person to whom I had written the check originally, used the phone app to cash it then threw the check away. On XX/XX/2020 the same check had been cashed again with a forged signature in the endorsement box on back then in writing below signed over to another name with the last name scratched out and what appears to be a social security number beside it. I had filed a police report and signed all paperwork necessary for the chase bank in XXXX Ohio. Everyone agrees its definitely forgery. My problem is they are telling me to wait up to 60 days before I can see the monies returned. This is most certainly the banks problem for allowing a check to be cashed twice not to mention the endorsement was very sketchy and the check was 3 months old.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-02 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX I file disputes letters to the credit bureaus, I have yet to received anything from them. I understand that with covid and bein understaff things might be slow but taking over 45 days is not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX I file disputes letters to the credit bureaus, I have yet to received anything from them. I understand that with covid and bein understaff things might be slow but taking over 45 days is not right.

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 2020-09-02 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX I file disputes letters to the credit bureaus, I have yet to received anything from them. I understand that with covid and bein understaff things might be slow but taking over 45 days is not right.

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 2020-09-03 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: TN

Complaint narrative:
I have been disputing an amount of {$420.00} since XX/XX/2019. I was told that while in dispute, the account would be frozen and I owed nothing towards it. The charge was made without my authorization and the dispute was denied and I basically still had to pay the amount. I was never notified that the dispute was closed & had to call to check on the status. When I called on XX/XX/XXXX to check the dispute status, she told me the dispute was closed and there was nothing they could do. So I gathered up my funds ( while living on u employment & my husband nearly XXXX in the hospital after an accident XX/XX/XXXX XXXX & paid the amount off IN FULL 2 weeks after I found out. They reported my account as being past due and put a late payment on my credit report. Dropping my score 65 points & seriously damaging my score. I have never ever missed a payment before and had a 100 % payment history. 
They have repeatedly denied my request to remove the late payment off of mine and my husbands credit scores, even though the account was paid in full right after I found out the dispute was closed. I have been hung up on, yelled at, & have been made to feel like Im an XXXX over and over. 
When I try to call, I can never get anyone who can make any sense and they either hang up on me or submit a dispute w the credit management department and I never hear back. I have written 2 letters to the credit management department explaining that we were  in complete and total hardship since my husbands accident, XX/XX/XXXX & trying to explain that I didnt know the dispute had been closed. The payment shouldnt be considered late when I never even knew the dispute was closed until I called. The last supervisor I spoke with finally went back to the XX/XX/XXXX conversation and saw the proof that I did in fact find out that day about the dispute being closed. Then you can see I paid it off in full 2 weeks later. 
All I want is to have the late payment removed from my credit report and my husbands credit report. Weve already paid the unauthorized amount and just decided to suck that up, which was already ridiculous. This has been a nightmare and they are an infuriating company that sweep things under the rug and dont help at all. One of  their customer service reps even called me a liar.

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 2020-09-03 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: GA

Complaint narrative:
XX/XX/2020 I sent letters requesting that the accuracy of the information on my credit report be investigated. After 30 days the information came back verified. Once information came back verified, in XXXX XXXX XXXX contacted me. I again questioned the validity of the information. XXXX XXXX sent me a contract with no letterhead, information missing although there was a dollar amount associated with it. In XXXX I again emailed asking the company to provide accurate information. On both XX/XX/XXXX and XX/XX/XXXX XXXX XXXX sent out invalid documents to prove accurately that I own the debt among with an incomplete ledger. In the recorded call the XXXX XXXX agent agreeing the information is incorrect, I have the recording.

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 2020-09-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CMI Group, Inc.
State: TX

Complaint narrative:
IN XXXX OF XXXX, I STARTED RECEIVING CALLS FROM A DEBT COLLECTOR CALLED THE OFFICES OF CREDIT MANAGEMENT , LP. THEY ADVISED THAT I OWED A DEBT XXXX {$140.00} FROM XXXX XXXX XXXX. I HAVE NOT HAD XXXX XXXX XXXX  IN ABOUT 4 YEARS. THEY ADVISED THIS WAS A DEBT FROM XX/XX/XXXX. FIRST, I KNOW FOR A FACT THAT THIS INFORMATION IS INCORRECT SO I DISPUTED IT WITH THE DEBT COLLECTOR. SECOND, XXXX XXXX NEVER ONCE IN 4 YEARS, AFTER CANCELLATION, ATTEMPTED TO CONTACT ME AND I HAVE LIVED AT THIS SAME ADDRESS. I ALLEGE THIS IS AN UNFAIR BUSINESS PRACTICE THAT XXXX XXXX PURPOSEFULLY DID NOT NOTIFY ME UNTIL 4 YEARS LATER IN AN ATTEMPT TO MAKE IT MORE DIFFICULT FOR ME TO VERIFY THE DEBT. I KNOW IT'S A SMALL AMOUNT, SO TO WHAT END, I DO NOT KNOW.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 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: CA

Complaint narrative:
i have a citi account that is reporting on my credit and i have never had a card nor account issued with them. it states that it was discharged through a bankruptcy but i never filed such a thing. and they have my name wrong it states XXXX XXXX XXXX XXXX. that is clearly not my name. i have sent three letters to citi bank and i never get a response from them. i sent all these certified mail dating back to XXXX XXXX the alleged account number is 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 2020-09-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Dear sir or Madam : I authorized to send {$550.00} to XXXX XXXX on XX/XX/2020. The transaction was done on XXXX and I used her phone number which is XXXX. XXXX XXXX, the owner of the phone number, received a phone call from XXXX notifying her of a coming transaction. I assumed that she will receive the money and was too busy to follow-up. Somehow, she did not receive the money and I checked XXXX transaction summary which showed that the money was sent to XXXX XXXX who I do not know and do not have any personal or financial relationship with. I had to send XXXX XXXX money again later. 
I have been trying to get money back from this XXXX XXXX. As I did not have any contact info available initially, I tried to send XXXX cent to the person directly with a note requesting him to return money to me. His email later became available on XXXX which is XXXX. I never got a response from that person. I sent multiple requests through XXXX requesting money back, he did not respond. 
I submitted a claim to XXXX for help, I was told that I authorized to send money to a phone number somehow connect with a person not the number 's current owner, they can not help me with that situation. XXXX asked me to contact my bank to pull money directly from XXXX XXXX 's bank. 

I then submitted a claim to my bank which is Bank of America, I was told that I made a mistake sending money to a phone number, they can not help me and I was asked to contact XXXX XXXX to get the money back. 

So far, I have not received any response or money back from XXXX XXXX. 
I did not double check while I send money to XXXX and assumed that the money will be sent to the phone number 's current owner which is XXXX XXXX. XXXX sent it to someone else without checking with me and blamed me for authorizing the transaction to XXXX XXXX. While I sent the money, the XXXX system only showed that it was sent to the phone number, however, in the transaction summary showed up once the transaction is completed, the phone number has disappeared and I can only see XXXX XXXX 's name on the summary. I believe XXXX system is greatly flawed. I should not be the person to suffer from the lost. 

Please help me with this situation! 

Your help will be greatly appreciated!

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 2020-09-03 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: PA

Complaint narrative:
In XXXX of XXXX  minimum payment was not processed had my account setup on autopay my bank account was never debited on the due date witch resulted in me getting a late payment on my credit file reach out to the company and they told its non thing they could do for me but next month the payment went through with no problem. The late payment is stop me from getting a mortgage for my first home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Convergent Resources, Inc.
State: AZ

Complaint narrative:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.

Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE

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 2020-09-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Diversified Adjustment Service, Inc.
State: AZ

Complaint narrative:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.

Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 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: MD

Complaint narrative:
I recently reached out to XXXX XXXX mini of times indicating that this account was fraudulent I have also filed a police report a consumer protection bureau, And I have also filed a report with the federal trade commission ... ... under federal law because My identity and/or my Social Security number was used fraudulently under federal law XXXX must remove/ report This information to the creditors and remove this negative information off of my report under federal law Section 623 ( a ) ( 2 ). 
Section 605B

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