vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-30 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: OR

Complaint narrative:
I sent in a billing dispute with CitiBank for a XXXX $ purchase to a online training that turned out to be terrible. I asked for a refund given that they had a '30 day money back guarantee '' but then out of nowhere they sprung on me that apparently they didn't have a money back guarantee. So in response I disputed the charges. 

Attempts to get refund : XX/XX/XXXX Email to XXXX and XXXX XXXX XX/XX/XXXX Call from XXXX to persuade me to continue program XX/XX/XXXX XXXX Calls to further convince me to continue XX/XX/XXXX Dispute started. Email sent to XXXX XX/XX/XXXX Dispute Ended XX/XX/XXXX Called Customer Service with apathetic response to ignoring my billing dispute. 

CitiBank is not reviewing emails/logs of the calls that I have sent to them and have cancelled the review of my dispute despite having telling me they would resolve it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
IN THE PREVIOUS COMPLAINT WITH CFPB REGARDING THE FACT THAT I PAID AS DIRECTED BY OCWEN FOR THE XXXX MODIFICATION FROM XXXX, XXXX EVERY MONTH, {$660.00} PER MONTH, UNTIL XXXX, XXXX. OCWEN CLAIMS THAT A PERMANENT MODIFICATION WAS SENT IN XXXX, XXXX. IN FACT, OCWEN DID NOT SEND THE PERMANENT MODIFICATION. 
IN FACT, THE PERMANENT MODIFICATION WAS SENT BY AN UNKNOWN LAWYER FROM AN UNKNOWN COMPANY THEREFORE IT WAS NOT RECOGNIZED AS A DOCUMENT COMING FROM OCWEN. THIS IS MORE EVIDENCE OF THEIR ILLEGAL ACTIVITIES. 
THIS LAWYER WAS NOT ASSIGNED TO THE LOAN UNTIL XXXX, XXXX. 
OCWEN REFUNDED THE PAYMENTS FOR THE MONTHS OF XXXX, XXXX, XXXX AND XXXX, XXXX. REFUNDS ARE NOW DUE FOR XXXX, XXXX, XXXX, XXXX AND XXXX, XXXX. THEY CAN NOT BE APPLIED TO THE LOAN.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30 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: 21ST MORTGAGE CORP.
State: TX

Complaint narrative:
XX/XX/XXXX I was in process of refinancing my current home mortgage loan. 21st mortgage was aware and got angry I was refinancing. The new mortgage company was nation 's lending corporation and they started they were going to assist the mortgage payment and failed to do so. I then contacted 21st mortgage to explain to them and i got nothing but attitude and they failed tp help and resolve the issue. I want them to take off the late payment. 

XX/XX/XXXX payment XX/XX/XXXX. The payment was due and I was going to pay. Unforeseen event of losing my mother, father and sister unexpectedly in a tragic accident caused me and my brothers to use our money to pay funeral arrangements. 21st mortgage refused to help which is going to cause me to be late 3 days over the 30 days. They still refuse to help me and I want this late credit report hit to come off also because of a hardship I hit this month. 21st is nothing but attitude and mouthful people. They told me to borrow money from my dead parents. Come on now what company does that.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30 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: MO

Complaint narrative:
I'm disputing the following accounts inwhich I have absolutely any knowledge of nor did I authorize such. But my main concern is why and how is the major credit bureaus reporting these accounts without certified physical documentation to support their reporting findings after these accounts has been disputed before, and a Method Of Verification was requested. Inwhich I never recieved, but re requesting now. I would like to know the name and title of the investigator, and inwhom did they speak with, what communication was used, fax, phone, email, etc. In concert with the FCRA either provide all the above or block these accounts immediately and permanently, ( 1 ) XXXX XXXX XXXX, # XXXX ( 2 ) XXXX/ XXXX XXXX XXXX ( 3 ) XXXXl {$3200.00} ( 4 ) XXXX {$1.00} 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 2019-04-30 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: EQUIFAX, INC.
State: MO

Complaint narrative:
I'm disputing the following accounts inwhich I have absolutely any knowledge of nor did I authorize such. But my main concern is why and how is the major credit bureaus reporting these accounts without certified physical documentation to support their reporting findings after these accounts has been disputed before, and a Method Of Verification was requested. Inwhich I never recieved, but re requesting now. I would like to know the name and title of the investigator, and inwhom did they speak with, what communication was used, fax, phone, email, etc. In concert with the FCRA either provide all the above or block these accounts immediately and permanently, ( 1 ) XXXX  XXXX  Debt, # XXXX ( 2 ) XXXX/ XXXX XXXX XXXX ( 3 ) XXXX {$3200.00} ( 4 ) XXXX {$1.00} XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-30 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: TX

Complaint narrative:
XX/XX/XXXX I was in process of refinancing my current home mortgage loan. XXXX XXXX  was aware and got angry I was refinancing. The new mortgage company was XXXX XXXX XXXX XXXX   and they started they were going to assist the mortgage payment and failed to do so. I then contacted XXXX XXXX  to explain to them and i got nothing but attitude and they failed tp help and resolve the issue. I want them to take off the late payment. 

XXXX payment XXXX. The payment was due and I was going to pay. Unforeseen event of losing my mother, father and sister unexpectedly in a tragic accident caused me and my brothers to use our money to pay funeral arrangements. XXXX XXXX refused to help which is going to cause me to be late 3 days over the 30 days. They still refuse to help me and I want this late credit report hit to come off also because of a hardship I hit this month. XXXX is nothing but attitude and mouthful people. They told me to borrow money from my dead parents. Come on now what company does that.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
On Monday, XX/XX/2019, a representative from XXXX XXXX   contacted my husband and gave him the details of my account. She told him I was 5 months behind and told him I owed over {$3000.00}. When my husband called me to tell about the call, he gave me the telephone number and extension that the XXXX Representative gave him. I, immediately, called the number and a Ms. XXXX answered the telephone at XXXX. Ms. XXXX asked for my name and telephone number, which I gave to her. I, then, told Ms. XXXX that XXXX had violated my rights under the Fair Debt Collection Practices Act by, not only contacting my relative, but by discussing my account and my debt with a relative was illegal. Ms. XXXX made a sound that resembled a chuckle and told me she would need more information from me in order to discuss my account. I told Ms. XXXX I did not call to discuss my account but I did call to let her know I am going to sue XXXX for sharing my information with a relative without my permission. I also told Ms. XXXX to never call my husband again. I, then, disconnected the call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-30 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: AMERICAN EXPRESS COMPANY
State: PR

Complaint narrative:
i sent a letter to American Express saying my account was Hacked, They have ^XXXX XXXX XXXX in their possesion, they told me they were going to send me a check for XXXX XXXX XXXX, its been 22 days and i havent received anything at all when i call them they hang up on me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30 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: CA

Complaint narrative:
The reason for my filing of this complaint is that this company is not abiding by the law. I have sent a number of disputes to them in regards to Identity theft. I even attached all the evidence to prove my case as my FTC report, My police report, etc. 

But until now, this company is still reporting this fraudulent account. I am prepared to File a lawsuit against them if they continue to report this fraudulent account. For yet another time. This account is fraudulent and I want it removed from my report : XXXX XXXX XXXX XXXX, Account # XXXX, Balance {$1200.00}, Date Opened XX/XX/2018 I am attaching herewith my previous dispute, my small claims form, my FTC report and my Police report which I sent to this company earlier.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30 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: CA

Complaint narrative:
The reason for my filing of this complaint is that this company is not abiding by the law. I have sent a number of disputes to them in regards to Identity theft. I even attached all the evidence to prove my case as my FTC report, My police report, etc. 

But until now, this company is still reporting this fraudulent account. I am prepared to File a lawsuit against them if they continue to report this fraudulent account. For yet another time. This account is fraudulent and I want it removed from my report : XXXX XXXX XXXX XXXX, Account # XXXX, Balance {$1200.00}, Date Opened XX/XX/2018 I am attaching herewith my previous dispute, my small claims form, my FTC report and my Police report which I sent to this company earlier.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-30 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CO

Complaint narrative:
Loan taken out XX/XX/2018 for XXXX.Payments have been paid on time, paying more than actual payment due. Per receipt balance was less than 122, called today to let the company I would be in, I was told the balance was over 200 dollars.The rep at the store had no clue as to why, so I called the corporate office. Although more than 500 dollars has been repaid this company is charging over 140 a month in fees, instead of one more payment the company is now stating regardless if more was paid than due, which should make the payment less, they continue to add interest daily to keep one in  the whole.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30 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: EQUIFAX, INC.
State: NC

Complaint narrative:
My credit report is showing information that does not belong to me. I already filed a complaint to the creditors, law enforcement, ftc complaint # XXXX The following accounts need to be deleted immediately -XXXX Outcomes {$500.00} Opened XX/XX/2018 XXXX {$2900.00} XX/XX/2018 -XXXX ( Any and all XXXX Accounts )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30 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:
TransUnion is continuing to allow THREE unauthorized hard inquires report to my credit file. XXXX  AND XXXX  HAVE BOTH REMOVED THESE HARD INQUIRIES. I WILL NOT STOP DISPUTING UNTIL THEY ARE REMOVED. THEIR RESULTS WERE : XX/XX/XXXX. After careful review, we have determined your complaint includes a dispute of information appearing on your credit report ; therefore, we have forwarded your complaint to our consumer relations center for processing. You will receive your results within sixty ( 60 ) days from the date you submitted your complaint to the CFPB. If after the completion of our investigation you have questions regarding the results, we encourage you to contact the creditor ( s ) directly. The business name, address, and, if available, telephone number of the source ( s ) of information contacted in connection with your dispute can be found in the Investigation Results document sent at the conclusion of your investigation. If you need to dispute information on your credit report in the future, you may dispute directly with TransUnion online at XXXX. Should you have any further questions, please contact www.transunion.com ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA 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 2019-04-30 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: CA

Complaint narrative:
I did 5 dispute with XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX for the amount of {$2500.00}. XXXX, XXXX XXXX XXXX XXXX was the Attorney for the Plaintiff, XXXX XXXX XXXX. I was the Defendant, XXXX court # XXXX & XXXX. I owe no money at all.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
On XX/XX/2018, Ally Financial started a loan on a brand new car for {$22000.00}. Then on XX/XX/2018, Ally Financial approved a second car in my name for {$28000.00}. Total payments of {$940.00} a month. My monthly income is less than this amount. I contacted Ally and told them that the first car needed to be put in my daughter 's name so the pointed me to the online application. I sent it to my daughter but the fact remains that the car she is driving is in my name. She has done nothing to get the car in her name, so in the meantime, Ally is calling me seven times a day because she has not made one payment. 
Every month there is something going on with the car I drive the most recent is the tag. I can not get a permanent tag because the dealer has not completed their paperwork for the state, so there is a hold on the tag. This tag runs out tomorrow. Not to mention the fact that I am a XXXX-year-old grandmother who can not even afford to pay this car note but I struggle every month trying to keep my head above the water.

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 2019-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
My name is XXXX XXXX XXXX, and my Ex-wife XXXX XXXX opened a XXXX XXXX XXXX credit card in my name. This card was continued to be used after we divorced, and I was not informed. Following this, the account was then maxed out and left unpaid for over 150 days. This account is labeled as XXXX   Bank/XXXX XXXX in my credit report. The Account # is XXXX, I do not have the full number. The account was opened XX/XX/XXXX, and sent to collections sometime in summer of XXXX. I was seperated XXXX from my wife and going through divorce XXXX. I continued to live in XXXX at this time, and my wife at the time relocated to XXXX, Texas. The collections agency is XXXX XXXX and opened the collection date XX/XX/XXXX under the account # : XXXX as I do not have the full number. The balance is {$1500.00} as of now, and I was never notified of the account, debt, or collections agency. After finding out, I attempted to ask my ex spouse, and also informed them they would need to pay the balance, and they have refused. This is not my account, I do not buy, own, or wear XXXX XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-30 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: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
Walmart Credit Card company sent my debt to collection agency XXXX XXXX XXXX representing Synchrony Bank. On XX/XX/XXXX I paid a payment for {$150.00} on an arranged payment plan to resolve the debt that I owed to Synchrony bank. I made another payment to XXXX XXXX XXXX on XX/XX/XXXX in the amount of XXXX. Finally, I made a final payment on XX/XX/XXXX for {$690.00} to settle the debt in full ( {$1000.00} ) with XXXX XXXX XXXX for Synchrony Bank ; with the agreement that they report the balance as settled in full and balance reported as paid or XXXX to all 3 credit bureau 's. However ; Synchrony bank refuses to report debt settled and as XXXX balance. Synchrony bank stated on XX/XX/XXXX via phone that the debt was charged off and not resolved. I have disputed this with the credit bureau 's and they state Synchrony bank reports the debt as accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am so Tired of this XXXX from Equifax everytime I file a dispute on my credit report I can't either see the results or the website is down. How many XXXX times do consumers have to go through this XXXX with Equifax? And you XXXX CFPB government agency does nothing about it. You need to stop Equifax from getting away with this XXXX!! I filed a dispute a month ago on three items on my credit report. I got an email back saying Equifax investigation was done on XX/XX/XXXX and I could view my results online. So for the last four days I've been trying to view my results online and the website won't let me and keeps telling me that service is unavailable, WHAT? So I just called Equifax to fix the problem and I spoke to a customer service rep that's from out of the country and you can't understand a word she says so I gave her all my security information, answered security questions and all for her to tell me she's sorry she can't fix the problem and I has have send a request in writing, WHAT? XXXX XXXX Equifax this is XXXX!! Why can't I view my results online like you said I could according to the email? This is my credit report and you are violating my rights by keeping it from me after I filed a dispute. I am tired of your XXXX POOR CUSTOMER SERVICE PRACTICES!! I want the results of my dispute and I want them NOW you XXXX and I want to view them online like I'm supposed to be able too!! 

You XXXX CFPB needs to step up and put Equifax in check. This is XXXX what there doing to consumers!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: FMA Alliance, Ltd.
State: TX

Complaint narrative:
FMA Alliance called a coworker on her personal work phone and told her to tell me to contact them. This is totally inappropriate and I have asked them to cease and desist contacting any phone number associated with myself, place of work, relatives, and friends but to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: ClearOne Advantage, LLC
State: VA

Complaint narrative:
Company was deceptive in displaying their payment rate and falsely, on tape, claimed it was a rate forced on them. 

This is small, but a textbook violation of the TILA.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : In XX/XX/2017 - 30 days late??? 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation