vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-01 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: CITIBANK, N.A.
State: PA

Complaint narrative:
This is regarding the best buy store credit card issued by CBNA. In XXXX I XXXX I went to best buy store in XXXX XXXX  XXXX to buy electronics. After purchasing I went to the cashier to apply for the best buy credit card. The cashier took my driver license and processed the application. After processing the application the cashier told me that my application is rejected due to information mismatch. So I used my credit card to pay for the purchase. After one month I received a statement from CBNA showing that I opened the credit card and it was showing a annual fee of {$30.00}. I called CBNA and told them that my application was rejected in the store and I used my credit card to pay for the purchase. I requested them to close the account because I don't want to pay for the annual fee. They told me that they will close the account. After one month when I checked my credit report it was showing 60 day late payment remark on my XXXX, XXXX  and XXXX credit reports. I immediately called CBNA and reported the matter. They promised to close the account and remove the late payment report from the credit reporting agenies. In XX/XX/XXXX when I checked my credit report, it showed a serious delinquent or missed payment report on my credit report. I AM GOING TO XXXX XXXX AND THIS REMARK IS CAUSING ME PROBLEMS IN GETTING LOANS AND APARTMENT LEASE. PLEASE HELP ME TO REMOVE THIS REMARK FROM MY CREDIT REPORTS, SO THAT I CAN GET LOAN FOR MY XXXX 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 2020-08-01 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: TX

Complaint narrative:
XX/XX/2020 was reported as a late payment. I sent a certified letter via USPS to the creditor and received a response back stating the information reported was valid and no further action required. The information reported was inaccurate. The customer service rep stated that It as reported as late but they had no explaination for the late payment. I as told that this payment was report as late for something that an paid over 3-4 years ago. I asked for a payment statement and it shows I have not missed any payments in the last 2 years

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 2020-08-01 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: TX

Complaint narrative:
XX/XX/2020 was reported as a late payment. I sent a certified letter via USPS to the creditor and received a response back stating the information reported was valid and no further action required. The information reported was inaccurate. The customer service rep stated that It as reported as late but they had no explaination for the late payment. I as told that this payment was report as late for something that an paid over 3-4 years ago. I asked for a payment statement and it shows I have not missed any payments in the last 2 years

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01 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/2020 was reported as a late payment. I sent a certified letter via USPS to the creditor and received a response back stating the information reported was valid and no further action required. The information reported was inaccurate. The customer service rep stated that It as reported as late but they had no explaination for the late payment. I as told that this payment was report as late for something that an paid over 3-4 years ago. I asked for a payment statement and it shows I have not missed any payments in the last 2 years

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 2020-08-01 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: Santander Consumer USA Holdings Inc.
State: NE

Complaint narrative:
The credit bureaus are reporting a closed account with Santander Consumer USA. This is not my account. I have disputed this account several times with the credit bureaus and the creditor. This is a violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Two months ago I purchased some items on JC Penney website. Some items shipped while 1 did not. 

I went to the local store when they opened to return a ring that did not fit. While I was there I asked to cancel and refund the necklace I did not get yet. 

As in most cases soon as I am billed I pay my credit card off in full. So I got the refunds and cancelled the order. 

Then I went and purchase a new ring, necklace and some other gifts. 

Over a month passes and out of the blue I get an email that my order shipped. I called JCP customer services and like most large companies the services is discombobulated, and as you can guess I got nowhere. 

The item arrived last month, so I called and got a return label which was not provided with the order. Then took it to a XXXX XXXX to return. 

3 weeks pass and as I am checking my accounts on line i see a charge for that item again. I called JCP customer services, the rep could not help me so I got a mgr online. 

I told her because of everything why should I pay and then have to wait for a refund? 
Haven't i been through enough? She finally said she would issue the payment. 

I think that call caused her to say something and it caused closure of the account. 

I finally got a credit but I can not tell if there are missing amounts or not. That is a deceptive way of doing business. The letter of closure is dated the same day as the call with customer services.

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 2020-08-01 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: NE

Complaint narrative:
The credit bureau is reporting a closed account from XXXX XXXX XXXX XXXX on my credit report. This account is over 7 years old and is closed. This is a violation of the Fair Credit Reporting Act to report an account for over 7 years. I have disputed this item several times with the credit bureau and the creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01 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: COOLEY ENTERPRISES INC
State: NE

Complaint narrative:
The credit bureau is reporting a closed account from Clay Cooley Motor Company on my credit report. This account is over 7 years old and is closed. This is a violation of the Fair Credit Reporting Act to report an account for over 7 years. I have disputed this item several times with the credit bureau and the creditor.

Company response to consumer: Untimely response
Consumer complaint received 2020-08-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Management Partners, LLC
State: TX

Complaint narrative:
A company keeps billing me for a medical bill that is 100 % covered by my Medical insurance. They keep billing the wrong insurance, then sending me collection bills. 

I have called and written to them several times telling them to send it back to the hospital with the correct insurance and they keep billing me. 

I give them the correct insurance information and they tell me I won't have to pay and then they bill me again. 

This is becoming a form of harassments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01 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: LEXISNEXIS
State: TX

Complaint narrative:
I have filed several disputes with XXXX providing information about inaccurate bankruptcy accounts. All prior disputes I have filed are determined verified. In the completed dispute letter I received from XXXX, I was told to contact the company verifying the information known as LexisNexis which is their vendor. According to LexisNexis the bankruptcy accounts do not exist. I have provided supporting letters from LexisNexis that substantiate my dispute. I was told by an XXXX  representative that they obtain information from a public record source known as Pacer which is a third party vendor that holds court information. According to The Fair Credit Reporting Act, I understand that one must verify information from the original furnisher. I also provided a letter from the bankruptcy court stating they do not report to the credit bureaus such as XXXX, XXXX, and XXXX. I would like a proper investigation that do not violate the FCRA. Im attaching supporting documents from all sources once again. The accounts I want investigated and removed are listed XXXX US BKPT CT TN XXXX XXXX US BKPT CT  TN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01 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: PA

Complaint narrative:
This is regarding the XXXX XXXX store credit card issued by XXXX. In XXXX I XXXX I went to XXXX XXXX store in XXXX of XXXX to buy electronics. After purchasing I went to the cashier to apply for the XXXX XXXX credit card. The cashier took my driver license and processed the application. After processing the application the cashier told me that my application is rejected due to information mismatch. So I used my credit card to pay for the purchase. After one month I received a statement from XXXX showing that I opened the credit card and it was showing a annual fee of {$30.00}. I called XXXX and told them that my application was rejected in the store and I used my credit card to pay for the purchase. I requested them to close the account because I don't want to pay for the annual fee. They told me that they will close the account. After one month when I checked my credit report it was showing 60 day late payment remark on my transunion, XXXX  and XXXX  credit reports. I immediately called XXXX and reported the matter. They promised to close the account and remove the late payment report from the credit reporting agenies. In XX/XX/XXXX when I checked my credit report, it showed a serious delinquent or missed payment report on my credit report. I AM GOING TO XXXX XXXX  AND THIS REMARK IS CAUSING ME PROBLEMS IN GETTING LOANS AND APARTMENT LEASE. PLEASE HELP ME TO REMOVE THIS REMARK FROM MY CREDIT REPORTS, SO THAT I CAN GET LOAN FOR MY XXXX 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 2020-08-01 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have a loan with XXXX XXXX XXXX, XXXX and 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  and XXXX XXXX   XXXX XXXX, XXXX, and 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 explanation
Consumer complaint received 2020-08-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Law Office of Michael R Naughton
State: IL

Complaint narrative:
Original claimed collection started by another company, it was communicated that the amount is unknown and invalid and to substantiate the original bill, this was not done and passed on to this company after it was communicated the bill was in dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Credit card never sent the bill and now it has been 60 days. My credit score has dropped by 90 points. This is for My Best Buy Visa Card. Account number. I just found this out today XX/XX/2020. On XX/XX/2020 i used The credit card to buy an item for {$11.00}. On XX/XX/2020 i was charged XXXX in interest. On XX/XX/2020 i was charged XXXX dollar in interest. On XX/XX/2020 i found out that my credit score had dropped by 90 points! I found out That this was due to the fact that i was never billed.

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 2020-08-01 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: ACIMA CREDIT, LLC
State: NC

Complaint narrative:
On XX/XX/2020, I walked into XXXX XXXX to obtain credit for a new living room suite . The young lady did tell me it may take a few days to get the merchandise due to the coronavis, I was ok with that. On or around XXXX XXXX I contacted the warehouse to find out about the merchandise I was told it was not in and i should just wait for a phone call. I then contacted XXXX on or around XX/XX/2020 to cancel my contract it was then they tried to contact the warehouse about the furniture i purchased and they couldn't get in touch with anyone. From XXXX  i was told i had to wait on someone to contact me about my account. I was contacted on XX/XX/2020 but i was unable to accept the call i was at work. I called on XX/XX/2020 to cancel again and they still tried to contact the warehouse to no avaliability. So on XX/XX/2020 I just wanted to cancel my account completely and go elsewhere. I was contacted by the warehouse and was told that i could have picked out another suite or something differet and it wasnt her fault that my suite hasn't been delivered and won't be deliver until XX/XX/XXXX to the warehouse. So i told her noone contacted me until i wanted to cancel my order. So she says it's 25 % to cancel and I'm like 25 % to cancel and I never recieved anything not even a phone call to keep me in the loop about my order? That 25 % they want me to pay to cancel could have went to the purchase of the XXXX XXXX I have XXXX kids and I can't afford to give and extra 25 % for something that we can even sit on that is crazy and absurd. I have never dealt with either company but i will not recommend friends, or family because this business practice is unacceptable and unorthodox if i have to wait 3 months for merchadise that i had to pay {$50.00} upfront for I could have went somewhere else less complicated and less money hungry.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01 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: NE

Complaint narrative:
The credit bureau is reporting a Chapter XXXX Bankruptcy on my credit report. This is not my account. I have disputed to with the credit bureau several times. XXXX XXXXemoved the chapter XXXX bankruptcy from my credit report. This is a violation of the Fair Credit Report Act.

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 2020-08-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Add-on products and services
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
The following is a list of the credit cards i had from Sychrony Bank. They were as follows : Care Credit Lowes Paypal Mastercard XXXX XXXX Walmart Amazon At the time that these accounts were opened there was an option given called CardSecurity. What this option provided was protection of the card in the event of loss of employment, hospitalization, or XXXX. In XX/XX/2017, I was hospitalized for 30 days and then another couple of weeks at a XXXX facility. After leaving the XXXX  facility i started making claims to invoke the CardSecurity from Sychrony Bank. Since the " event '' was covered I assumed that CardSecurity would keep up the payments and/or pay off the balance since I had fufilled the obligations for this service and the event was over 30 days. 
Card Security would request documentation to which I submitted the required documents. However, upon receipt they would tell me that the documentation I submitted was not sufficient and to submit other documents. After the third of fourth time of asking me to submit documentation, I realized that they had no intention of paying my monthly payements or paying off the balance of the cards even though the fees to keep that add on feature were paid. 

As of the date of this letter, they have done the following : They have claimed that some of the accounts never had that protection, that I called and cancelled the CreditSecurity ( Amazon and Lowes ) which I had never done. I was told that they are researching the call and will get back to me in 5 to 7 days. 
The benefit request numbers are for different accounts ( i.e. 12345 benefit number is for the wrong credit card ) Was told that while I have a benefit number xyz I never initiated the claim. 
Ultimately all of the above accounts through no fault of my own have been closed, and negative marks left on my credit report.

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 2020-08-01 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: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
Hello, Reference case XXXX. I have new information. 

NFCU has no respects for your agency and even less for a consumer like me. I submitted case above on XXXX XX/XX/2020. When the systems said NFCU was still looking into it. I took it as truth and waited. 

NFCU had already made their decision XXXX XX/XX/2020 which I wrote a response to their decision on XXXX XX/XX/2020, before I filled the complaint. See attachment 'Letter to NFCU. 

On XXXX XX/XX/2020, I inquiry on the status of the dispute. See attachment 'NFCU response ' screen capture from their messaging system. They don't allow things printed from their messaging system. They have made up their mind but have not updated your system. They have made up their mind back in XXXX XX/XX/2020. 

NFCU has collected money for a merchant who charged me for things to this day I do not have. The proof the merchant provided to NFCU was an invoice for items not sent to me but an address I don't know and signed by someone I don't know. I never authorized it sent there nor received by this person. Yet, this bank thinks that it should collect money for this merchant and have me pay for it. 

V/r,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have a loan with CAPITAL ONE. 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 and CAPITAL ONE with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: IL

Complaint narrative:
I am unable to connect to other banking applications. I talked to the bank about it and what they blamed the application I was connecting to. But I have had the same issue with different applications and I receive the same message back. It says that my bank made a change that does not allow me to connect. If that is the case they never asked for my authorization to do it. 
Thanks I hope you help me solve this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01 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: Nelnet, Inc.
State: GA

Complaint narrative:
I have a loan with NELNET. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX  and NELNET with no successful resolution.

Company response to consumer: Closed with explanation