vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIBANK, N.A.
State: RI

Complaint narrative:
I bought my son a computer for his XXXX from Best Buy, the salesperson promised me that if I bought that certain computer that it would play my sons one and only game that he plays on a laptop, XXXX and that it would download fast, the graphics would be great and there wouldnt be any lag. This laptop does not even have enough room to even download the game. I took my son to Best Buy to return the computer and they said to speak to the Geek Squad which I did and they assured me once they did a master reset that it would work great! My XXXX year old son was so excited. We went home after they did the master reset, it still didnt have enough memory to load the game. I go to the store the next day and they tell me I am a day late from returning it and it is no longer returnable. So the day I was there, it could be returned but The Geek Squad assures my son and I they it would work, we left there at XXXX and they were closing so they wouldnt download the Fortnite site for me and told me to do it when I got home. I called but they were closed, I went in the next morning and they said I could no longer return it or get a merchandise credit! This laptop sits in a drawer and no one uses it or wants to use it because it is a horrible expensive computer and I had to buy him another laptop. I told them I will not be paying for it as I was assured by their own people that it would work instead of returning and them telling my son its one of the nicest laptops and his games will work perfectly! So we believed them, we however did not know that It was the last day that we could return it, so even though I just wanted to return it, they said give it another day and Im sure everything will work great. The next morning I went in to return it and it was 1 day too late to return it! They can have their computer back and I want my card refunded and this off of my credit report please. 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 explanation
Consumer complaint received 2020-08-24 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: HW Holding, Inc
State: FL

Complaint narrative:
I have a loan with HUNTER WARFIELD, INC and XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, HUNTER WARFIELD, INC and XXXX XXXX with no successful resolution. There was definitely an error on their part.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-24 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: FL

Complaint narrative:
I have a loan with MACY'S/DSNB , XXXX XXXX XXXX, and XXXX XXXX , XXXX . I  have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, MACY'S/DSNB , XXXX XXXX XXXX, and XXXX XXXX, XXXX with no successful resolution. There was definitely an error on their part.

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 2020-08-24 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: NAVY FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
In XX/XX/2017, my credit card was fraudulently used to rent a vehicle. I filed a dispute with Navy Federal. Navy Federal 's follow up to my dispute elapsed over 90 days. Navy Federal kept a {$500.00} deposit, but they are also trying to hold me accountable for the fraudulent charge. The credit card was a secured credit card with a {$500.00} limit opened with a {$500.00} deposit. The Fraudulent charge was for {$350.00}. Navy Federal owes me {$140.00} but reports to all three credit bureaus that I have a {$350.00} debt. I have also filed a complaint with the federal trade commission.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: CREDIT ACCEPTANCE CORPORATION
State: AR

Complaint narrative:
I refinanced my car and my old loan was closed with credit acceptance. However credit acceptance is still charging my account when no funds are due to them as they have been paid in full by my new loan holder.

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 2020-08-24 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: 21ST MORTGAGE CORP.
State: FL

Complaint narrative:
21st Mortgage was my mortgage holder on my mobile home loan. The mobile home was a voluntary repossession as of XX/XX/XXXX. 21st Mortgage sold the unit in XX/XX/XXXX with no deficiency attributable to me. 21st Mortgage had spent money to rehabilitate the mobile home prior to sale and therefore those amounts are not my responsibility. The mobile home was sold for more then the amount owed to 21st Mortgage at the time of repossession. Any deficiency should be a charge off or loss to 21st Mortgage who had the option to sell the unit as is and then would have been entitled to any deficiency after sale. 
21st Mortgage is still reporting this as closed, but it is still sending in monthly payment information prolonging the time this will remain on my credit as a negative trade line. I filed a dispute via XXXX to have this trade line monthly reporting be corrected and it appears 21st Mortgage simply just amended the outstanding balance due and did not stop its reporting of monthly payment or lack thereof.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 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.
State: CA

Complaint narrative:
In XX/XX/2020 I canceled my XXXX XXXX Citibank card as I never use it. I canceled the card when it was due for the annual renewal fee of {$95.00}. When I entered the account online it states that the card was canceled and the account closed. Confirmation letter is attached. 

Citibank at the same time was changing out the card for a new card number system with a new account number. The Citibank Associate I was working with reassured me that when I canceled the new  replacement card it would cancel the old card as both cards are associated and he was canceling both card numbers. Notwithstanding they have different account numbers. A copy of the account cancelation confirmation notice is attached, Ever since I canceled this card I have received harassing phone calls from Citibank demanding that I pay the Annual fee for the account that is closed.. 

CUSTOMER SERVICE REPRESENTATIVES I have waited on the phone line for 30 minutes - 1 hour to speak with a Customer Service representative to address the above mentioned issue. Each time I speak with someone they will state that the two cards are associated and one is the older card and the other is the new replacement card and the fee  is not payable. They always forward my call to another Customer Service representative until the third or fourth Customer Service representative when they drop the call. 

AUTOMATED HARASSMENT CALLS Almost daily I receive an automatic robot call from Citibank advising me that I must contact Citibank urgently to resolve the matter. The calls arrive always around XXXX SEVEN days per week. If I accept the offer to speak immediately to a Citibank Representative they request specific information from me. After providing the information I am informed that Citibank offices are closed and to call back at another time. 

EMAIL MESSAGES I receive emails monthly stating that my account is past due. I also receive emails every two weeks stating that my account payment is overdue. The account is closed. 

I AM A SENIOR. I AM AN ESSENTIAL WORKER I have tried in good faith to resolve this issue with Citibank with no success. I will not pay a renewal fee that is not due. 

I am concerned that many others who dont understand Annual membership fees are making the payment for accounts which are no longer active to this corrupt bank.

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 2020-08-24 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: CL Holdings LLC
State: FL

Complaint narrative:
Recently, I received a copy of my credit report and found several inquiries and accounts on my credit report that were not opened by me. I don't have any knowledge of these accounts being open. They were opened fraudulently. I understand that under federal law, ( the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the Fair Credit Reporting Act. 
Respondent, please have the following inquiries removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Comerica
State: AZ

Complaint narrative:
Comerica Bank inaccurately reported information to a Consumer Financial Protection Bureau called Early Warning ( Address : XXXX XXXX XXXX XXXX, XXXX, AZ XXXXPhone : ( XXXX ) XXXX ). Comerica Bank wrongfully reported that I committed banking fraud when I have never written a bad check, nor have I ever conducted any unlawful or illegal activity with any bank. I reached out to Comerica Bank 's quality assurance department on XX/XX/20 by calling XXXX. I spoke to XXXX who aggressively attacked me. She made a very XXXX joke about the political organization, XXXXXXXX Lives Matter. She  stated " well all bank accounts matter '' when I asked for a supervisor. Comerica Bank has a long history of racism and hostility toward their clients and hit is very well documented online. I will list a few links in this complaint : ( XXXX XXXX XXXXXXXX 
XXXX & XXXX & XXXX ) ( XXXX XXXX XXXXXXXXXXXX ) (   XXXX XXXX XXXXXXXXXXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 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: LA

Complaint narrative:
The attached letter is stating that the questioned accounts are not verified as mine< They do not belong to 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 2020-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
The attached letter is stating that the questioned accounts are not verified as mine< They do not belong to 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 2020-08-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Google Compare Credit Cards Inc.
State: IL

Complaint narrative:
XXXX Account - XXXX Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Illinois XXXX Phone : XXXX Google XXXX decided to terminate their business relationship with me and no longer allow me to make purchases using Google XXXX/Google XXXX. My account has a balance of {$6.00} in my Google XXXX/Google XXXX XXXX. Google is refusing to allow me to spend my funds I paid cash for, refusing to refund the Google XXXX card the  money was added from and refusing to issue me a refund to my bank. If a bank does not want to do business with me, they can not just take my legally earned money, they must give if back. Google is no exception. I am requesting Google refund my balance in aforementioned account, XXXX and others.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal 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 2020-08-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: MA

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
Amidst this worldwide crisis that we are facing with all that is going on, this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report. I have contacted the creditor but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in the loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 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: CA

Complaint narrative:
On XXXX I sent letter addressing the problems on my credit and I still have heard no response at all from the credit bureaus. Credit reporting, credit repair services, or other personal consumer reports

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 2020-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Aqua Finance, Inc.
State: SC

Complaint narrative:
I could not submit a complaint with XXXX it would not submit my complaint about aqua finance for the amount of {$7200.00} total payback the original loan amount was for {$6000.00} dollars, date of loan XX/XX/2012. Loan type : installment sales contract which is used for purchasing machinery or large equipment so I would like a copy of a deposit to my bank account for that amount or a copy of a cashed check, a copy of a invoice or title copy for any machinery or large equipment that a installments sales contract is used for, and I would like a copy of this installment sales contract and a deletion of this false record by aqua finance or they made some terrible mistake, but it is a defamation of  character to my credit record so can you help furnish proof of all the records I'm requesting?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
XXXX XXXX reports that all my loans are currently late. The Accounts do not have a past due amount but they are still reporting over +120 plus days delinquent. How can I not have a past due amount but still be delinquent? 
These are the following account : XXXX There are 8 Loans in total.

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 2020-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
XXXX XXXX reports that all my loans are currently late. The Accounts do not have a past due amount but they are still reporting over +120 plus days delinquent. How can I not have a past due amount but still be delinquent? 
These are the following account : XXXX There are 8 Loans in total.

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 2020-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA
State: AZ

Complaint narrative:
Fed Loans reports that all my loans are currently late. The Accounts do not have a past due amount but they are still reporting over +120 plus days delinquent. How can I not have a past due amount but still be delinquent? 
These are the following account : XXXX There are 8 Loans in total.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On XX/XX/XXXX. I made a transaction through Paypal for {$800.00} to be paid to myself. I called the call center to find out what needed to be done from my end to finalize the transaction. I learned that it was not the correct procedure for me to get the money. I did receive an email stating : " XXXX XXXX will receive {$800.00}. '' I had numerous call and chat conversations and no one knew how to get the process rectified. 
On XX/XX/XXXX, I filed a dispute, to get the money I paid. I received a response the stated : Since the problem was not a billing issue it's denied. I also received another response on the outcome from the dispute : " The outcome of the case was not in your favor. '' At this time, I still don't have the {$800.00}.

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 2020-08-24 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ProCollect, Inc.
State: GA

Complaint narrative:
On XXXX XXXX I received a response from pro collect that they would settle for XXXX instead of XXXX. Which I was thankful for that. But I called and reached out to Mrs. XXXX as it stated to in the response, reaching her was difficult I called on multiple days and none of the representative would transfer me to her.. so I submitted a complaint on here again and left a number and Mrs. XXXX called and we talked bout resolving the balance. I told her that I couldnt pay the balance of XXXX in full because I was out of work due to covid 19 and she gave me until Friday to email her on what I could do regarding balance. I emailed her letting her know I still wouldnt be able to pay balance in full. I never received a reply back to the email nor a call. I have been calling still trying to resolve the matter and nothing. I am being told I would need to speak with mr. XXXX which I will not do because he is very rude and unprofessional. I just want to settle and get debt resolved.. this debt is stopping me for being approved for a place to stay ... all Im asking for is some compassion and 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 2020-08-24 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XXXX I sent letter addressing the problems on my credit and I still have heard no response at all from the credit bureaus. Credit reporting, credit repair services, or other personal consumer reports

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