vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-20 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Merchants and Medical Credit Corporation, Inc.
State: MI

Complaint narrative:
XX/XX/XXXX I emailed XXXX XXXX  XXXX  for an account summary from my previous schooling in the Winter of XXXX. They responded XX/XX/XXXX with an account summary totaling approximately {$1400.00} ... it was confusing I received two totals one for {$1400.00} and another page with a different total of {$1400.00}. I also received an account summary from the collection agency they sold it to and there was also a mistake on that summary. XX/XX/XXXX I paid the collection agency {$200.00} bringing my account to a total of {$1200.00} but my payment was rescinded the same day. Theres two transactions on XX/XX/XXXX. One showing my payment and one canceling my payment bringing my total back to {$1400.00}. I have a bank statement that shows my payment of {$200.00} to the collection agency. But, the bigger issue is the amount on my credit is {$1900.00}. When my account summarys show totals in the $ XXXX range. So I emailed again on XX/XX/XXXX and asked how did my total get to {$1900.00} if my account summary only shows an amount of {$1400.00}. They responded XX/XX/XXXX and stated the differences were due to collection cost so I asked them to send me an account summary that reflects that total on XX/XX/XXXX. That same day they emailed me another account summary with a different total of {$1700.00} ... still {$200.00} away from the actual {$1900.00} thats on my credit. Not to mention the {$200.00} that I paid to M & M collection agency that was never credited to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: MD

Complaint narrative:
XX/XX/2020 The Consumer Financial Protection Bureaul COMPLAINT OF CHARGING DELIBERATELY EXTRA MORTGATE PAYMENT BY FAY SERVICING XXXX XXXX XXXX XXXX XXXX  XXXX XXXX IL XXXX ACCOUNT # XXXX Dear Sir, I got a mortgage from XXXX XXXX  XXXX XXXX D/B/A/ XXXX XXXX. and the monthly payment was principal XXXX+ interest XXXX+ escrow XXXX totaling of XXXX. After the loan they forward this loan to FAY SERVICING for collection. Fay servicing charged me correct amount for few months ( copy attached A ), then all of sudden they increase the escrow by XXXX ( copy attached B ) instead of XXXX. I called them and ask the reason and they told me falsely and inaccurately that my real estate taxes went up, that was an inaccurate and false answer. I asked for the escrow statement and again they send me incorrect statement. ( Copy enclosed D ). Attached is my real estate tax bill which shows that my annual real estate tax is only XXXX ( copy attached ( C ) and insurance is XXXX. 
After calling and requesting them for 2 plus month, and after paying them extra payment and not seeing any will to correct it I have no choice but to request your help. 
Enclosed please find my Real EstatXXXX tax bill and escrow statement of Fay Servicing, which shows they charge me real estate tax bill 3 times instead of one time. 
Your help is appreciated Sincerely XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 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: TX

Complaint narrative:
I am aVICTIMof off base/strange/invalid/obsolete as well as conceivably even false deception, within Transunion credit report. This condemning of themis-announcing/mis-informationaffidavit is to declare my direction that you, asregulated, produce physically countersferfederal laws of my debates or acknowledge and encourage my solicitation that you either erase/or obstruct at any rate the accompanying unsubstantiated/yet-avowed/obsolete/distorted/consolidated/unrecognized/and additionally fake data from my credit record. I request to be persuaded ( as ordered ) that you can sufficiently confirm in imperative correctly how the falsehood come to occur if even by any stretch of the imagination, with my insight AND approval recorded as a hard copy of any individual/people/or substances that may be certainly mindful or even that I genuinely got any cash, products, or administrations because of the contested deception ofINACCURATE MISINFORMATION/UNVERIFIABLE and INVALID INFORMATION/POSSIBLY FRAUDULENT data or potentially even conceivable of Identity Theft thus myutilzationof this controlled Identity Victim 's Complaint and Affidavit

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 2020-05-20 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: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I have been told by American Express representatives that the dispute is aged and therefore, closed. 

I had to investigate into American Express Chargeback polices myself. For Goods And Services Not Received ( Reason Code 4554 ). 

the date the Card Member expected to receive goods and/or services, or the date the Card Member became aware that the expected goods and/or services would not be provided ( not exceeding five hundred and forty ( 540 ) days from the date American Express Network processed the Transaction ). 


The policy is very clear that I have 120 days FROM THE DATE EXPECTED TO RECEIVE SERVICES, not just from the date of the Transaction. The Merchant has to respond. 

The matter concerned an airline ticket purchased XXXX XX/XX/XXXX, for the flight date XXXX XX/XX/XXXX. Therefore, it is very clear, I had at least 120 days from that date to submit a valid dispute. 


This was a history of mismanagement of my valid dispute by American Express : I have submitted a valid dispute on XXXX XX/XX/XXXX, which was closed within less than 24 hours for the reason that I have not submitted supporting documentation. Again, American Express did not even allow me 24 hours to gather and upload the documentation, and rushed to close the dispute. 

Ref. No. XXXX Dispute Received XX/XX/XXXX The following disputes were rejected, or attempted to be rejected, for invalid reasons ( aged transaction ) or pretence reasons ( customer closed dispute ) or incomprehensible reason that American Express cant locate a transaction so that I had to send back to American Express their own American Express credit card statement. 


Ref. No. XXXX Dispute Received XX/XX/XXXX Ref. No. XXXX Dispute Received XXXX XXXX, XXXX Ref. No. XXXX Dispute Received XXXX XXXX, XXXX I have now evidence of fact and came to a reasonable conclusions about American Express back office disputes : - mismanaged a valid dispute, continuously exercising avoidance and dodging tactics ; cancelled and closed valid dispute at will, on pretence and invalid reasons including, the cases citing the customer request to close the dispute, which was a false representation ( a lie ) because I have never given such request ( s ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-20 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
My wife applied for a loan online with XXXX XXXX for a in store pick. We read in the arrangement that if you did not pick up the loan it will not be processed. So we thought everything was ok because we did not need the loan anymore. We later notice that payments where being taken out of the account and called to ask why they stated that they gave us a loan of XXXX dollars. We explain that we did not authorize a loan to be given to us they deposit XXXX in our account without XXXX knowing it. We offer to pay back the XXXX dollars but they refused they wanted XXXX dollars. We believe that this is unfair and unacceptable since we did not authorize a deposit into our account. It been a year and they are still refusing to take the XXXX dollars and they are reporting to our credit that we owe they XXXX dollars this is damaging our credit and keep our score down. I would like this issue resolved can you please help us ... The Company is XXXX XXXX ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 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: Credit Control, LLC
State: MD

Complaint narrative:
On XX/XX/2019 I deposited, into my personal XXXX account, a check at the direction of my emloyer in order to conduct business on his behalf. 

5-6 days after the deposit ( orig check amt is {$9800.00} ) the account balance was {$5000.00}. I called XXXX corporate offices, spoke with a representative named XXXX, who assured me that any funds appearing in my account balance are cleared by the bank and authorized for use. I proceeded to conduct business on my employer 's behalf. 

On XX/XX/XXXX, I attempted to access my bank account and was denied access. When I contacted the bank I was informed that the original check had been returned, my account was frozen and I owed XXXX the money I had withdrawn to purchase Postal Service money orders to make payment to my employer 's client. 

I have been contacted by a collection agency, XXXX in XXXX, PA. I do not have the means or desire to repay this amount, as I was defrauded by my employer then victimized by my financial institution, who tells me no matter what their representative informed me, he was wrong and I'm responsible as the account holder for the amount of the withdrawal ( plus interest, fees, penalties ). 

I hope something good will happen. 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 2020-05-20 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: MN

Complaint narrative:
I been receiving continuous phone calls of harassment, profane and abusive language, garnishment of all and any bank accounts, death threats and threats of being sent to jail and prison, from XXXX XXXX XXXX, XXXX XXXX/XXXX  and XXXX XXXX  Representatives for fraudulent accounts and debts that arent my debts or accounts. The XXXX XXXX XXXX XXXX XXXX XXXX Account for {$500.00}, XXXX   XXXX/XXXX  Account for {$3200.00} and XXXX XXXX Account for XXXX XXXX for {$84.00} is fraudulent accounts and debts thats not my accounts or debts. XXXX XXXX XXXX, XXXX XXXX/XXXX  and XXXX XXXX  is in complete violation of the Fair Debt Collection Practices Act ( FDCPA ) under Federal and Minnesota law. The following credit inquiries are fraudulent and unauthorized : XXXX, XXXX  XXXX/XXXX  XXXX, XXXX XXXX XXXX XXXX and XXXX  XXXX  XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica
State: CA

Complaint narrative:
Fraud by D .E AS IN DIRECT EXPRESS FROM XXXX - XXXX. IN XXXX D E. SAID THEY WAS THE ONLY OPTION SINCE MY MOMS CHECK AND MY CHECK DISAPEARED AND CALLS AND CONTACTS WERE INTERCEPTED MAIL REDIRECTED AND DIDNT RECIEVE OUR UPDATED I D, DOCUMENTS OR SECURED AND CORRECT FUNDS ONCE I AGREED TO THE CONSTANT BADGERING FROM D. E. TO USE THE DEBIT CARD FOR XXXX AND SOCIAL SECURITY SINCE THEN THERE'S BEEN THOUSANDS OF DOLLARS MISSING BEFORE AS THIS AND XXXX XXXX USE XXXX XXXX TO OPPRESS AND DESTROY MY FAMILYS FINANCES CREDIBALITY AND FREEDOM AND MY MOM WAS TAKEN FROM HER HOME IN XX/XX/XXXX, HORRIBLY XXXX   XX/XX/XXXX IN XXXX XXXX XXXX XXXX HOSPITAL BECAUSE OF DE NEGLIGENTLY ENABLING ID THEFT. UNFORTUNATLY DE SEEMS VERY FRAUDULENTLY PROFFESSIONAL IF DE ALWAYS PREVAILS IN DESTROYING XXXX FAMILIES AKA VICTIMS EXTORTED FINANCES ARE BY D.E. INSIDERS AND CRIMINALS THAT WORK WITH DE. TONIGHT ANOTHER TWO VALID CLAIMS OF OVER XXXX DOLLARS MISSING FROM MY ACCOUNTS ARE BEING ERRONEOUSLY DENIED BY TEIR 2 AFTER TIMELY FILING BY FAX BY MAIL AND FAX AGAIN APPEALING TO UNJUST DIRECT EXPRESS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
ID FOR COMPLAINT SENT TO TRANSUNION LLC XXXX I lodged a dispute with transunion against a financial institution. The dispute was closed within 48 hours. I called transunion to enquire. The operator named XXXX said even though a bank/financial institution provide them with wrong information, at all times Transunion would have to honor the bank because according to the operator the bank/financial institution always get precedence over a consumer at any given time. I asked for the manager and the call was not transferred to the manager. 

Transunion is so corrupted that they blocked my review and post on their XXXX page so that the public cant see it. That by itself is enough to prove that Transunion is corrupted. 

I would like to ask transunion how much BRIBE do they receive under the table from these banks and financial institutions???

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 2020-05-20 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: OH

Complaint narrative:
I've contacted CitiCard regarding my XXXX  credit card accounts via their online live chat on numerous occasions over the last two months. I paid off my account, over $ XXXX, in XXXX yet they continue to bill me for fees. I've contacted them now at least three times to resolve this, kindly asking for fees to be waived, however I received an email notification and collection call within the last few days requesting payment. The balance on this account is around {$23.00}, which are all fees. When the collection automatic dialer contacted me I selected the option to speak to someone, to which it hung up on me. Again not a good customer experience in the least bit. 

I am beyond frustrated, furious and livid that this has now taken so much time to resolve. It's difficult to believe that three Citi Card associates have yet to resolve this concern. The first one asked me to call some other department, to which their call volume was so high you can't even get through. Then I contacted them back again, and again, but yet I still have a balance of fees. 

In all I want this balance removed in full. Obviously, I can afford to pay {$23.00} but it's the principle at this point. In addition, if my account was reported to the credit bureau over this I will be contacting my attorney to set up a litigation case, and will sue CitiCard. I want this resolved and quickly.

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 2020-05-20 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: CT

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX and XX/XX/XXXX, XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 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: MN

Complaint narrative:
I been receiving continuous phone calls of harassment, profane and abusive language, garnishment of all and any bank accounts, death threats and threats of being sent to jail and prison, from XXXX XXXX XXXX, XXXX XXXX/XXXX  and XXXX XXXX  Representatives for fraudulent accounts and debts that arent my debts or accounts. The XXXX XXXX XXXX Line of Credit Account for {$500.00}, XXXX   XXXX/XXXX  Account for {$3200.00} and XXXX XXXX Account for XXXX XXXX for {$84.00} is fraudulent accounts and debts thats not my accounts or debts. XXXX XXXX XXXX, XXXX XXXX/XXXX  and XXXX XXXX  is in complete violation of the Fair Debt Collection Practices Act ( FDCPA ) under Federal and Minnesota law. The following credit inquiries are fraudulent and unauthorized : XXXX, XXXX XXXX/XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2020-05-20 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
XXXX Sales Financing Company Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX   XXXX  XXXX Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX 2  inquiries will be removed soon from your credit report. 

all ftc violations a sent XXXX/amazon XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 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: GA

Complaint narrative:
On XX/XX/XXXX I sent a second FCRA dispute to all three credit bureaus via certified mail and including a clear colored photocopy of my drivers license and social security card. I received a letter from Equifax asking for these documents on XX/XX/XXXX before they claim they will begin to dispute my items. They are reporting a bankruptcy as verified when I sent communication from the court stating that they do not verify any consumer information to any credit reporting agency. I have sent 3 FCRA dispute letters along with this information since XXXX of XXXX to no avail! Equifax is violating my FCRA by listing inaccurate credit information damaging my ability to obtain credit by continuing to report inaccuracies. They are using tactics to stall when they have all the necessary information to remove these items. There has been NO activity changes or otherwise on my file since XX/XX/XXXX despite receiving several attempts to clear this. My next action will be to file a lawsuit against Equifax and CFPB for allowing these fraudulent and unfair credit reporting practices. I want the accounts that I have submitted as not mine/inaccurate to be removed as soon as possible!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
My prepaid Bank of America debit cash pay card account is unavailable for some reason. I have the app and it says Card unavailable. Please contact us for details. It was working fine I noticed on XX/XX/2020 at XXXX. I can no longer make any type of transaction. Its a hard time for them in costumer service.

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 2020-05-20 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: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
On XX/XX/2019 I deposited, into my personal SunTrust account, a check at the direction of my emloyer in order to conduct business on his behalf. 

5-6 days after the deposit ( orig check amt is {$9800.00} ) the account balance was {$5000.00}. I called SunTrust corporate offices, spoke with a representative named XXXX, who assured me that any funds appearing in my account balance are cleared by the bank and authorized for use. I proceeded to conduct business on my employer 's behalf. 

On XX/XX/XXXX, I attempted to access my bank account and was denied access. When I contacted the bank I was informed that the original check had been returned, my account was frozen and I owed SunTrust the money I had withdrawn to purchase Postal Service money orders to make payment to my employer 's client. 

I have been contacted by a collection agency, XXXX in XXXX, PA. I do not have the means or desire to repay this amount, as I was defrauded by my employer then victimized by my financial institution, who tells me no matter what their representative informed me, he was wrong and I'm responsible as the account holder for the amount of the withdrawal ( plus interest, fees, penalties ). 

I hope something good will happen. 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