vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
In regards to the attached transactions on my citibank account, citibank has FAILED to refund my money or offered any assistance as to the proper way to get my money back. 

I expected to receive an all-inclusive 4-night stay at XXXX XXXX XXXX for two adults, complete with roundtrip airfare from XXXX XXXX XXXX XXXX airport and XXXX Airport. The expected date of service was Monday XX/XX/2020 to Thursday XXXX XXXX. 
I made 9 payments for this vacation in the total amounts : XX/XX/2020 {$190.00} XX/XX/2020 {$260.00} XX/XX/2020 {$260.00} XX/XX/2020 {$260.00} XXXX XXXX {$260.00} XX/XX/2020 {$260.00} XX/XX/2020 {$260.00} XX/XX/2020 {$260.00} XX/XX/2020 {$260.00} TOTALING {$2200.00} The merchant, XXXX, posted a letter to their website on XXXX XXXX stating that they suspended regular operations. This letter also states that in order to receive reimbursement for the charge processed with XXXX you need to call and work with your bank DIRECTLY. 

XX/XX/XXXX. 2020, I made several attempts to reach XXXX by calling their customer service line +XXXX XXXX which was deemed invalid. No calls were being taken, the phone line had been disconnected. I also tried calling their Guest Services at XXXX XXXX which was also disconnected. 

On XXXX XXXX, around XXXX, I received an email from XXXX stating that THEY had gone ahead and cancelled my trip. They specifically stated Your resort reservation will be cancelled automatically. All cancellation fees have been waived. You will need to speak to your credit cards issuing bank for your options as a cardholder. 

On Monday XX/XX/2020 I checked my XXXX   itinerary and noticed cancellation refund popped up for XX/XX/XXXX and XX/XX/XXXX. I chatted with Citibank to verify if there were any refunds from XXXX on my account. I was told to wait 4-5 business days to see any changes. On XX/XX/XXXX, I checked my account and NO refunds had been given. 

I have made several dispute claims since with Citibank regarding the charges made by XXXX. No services were rendered, and the cancellation of my trip by XXXX means that no services will be rendered. 
At no point in the process did I, the customer, request to cancel the trip or any portion of it. 
Citibank has completely FAILED to refund my money or offered any assistance in the matter. At this point in time, I have sent Citibank 3 letters, as well as multiple pieces of documentation, proving that XXXX cancelled my vacation and stole my money. I never went on vacation! SERVICES WERE NOT RENDERED! I do not know how many times I have to explain the situation to citibank in order for them to understand that the services I paid for were not rendered, therefore I am owed all of my money back.

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 2020-05-15 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: CA

Complaint narrative:
I paid in full a XXXX XXXX account through portfolio recovery collection agency. XXXX XXXX XXXX collected full- payment of debt Owed including interest on my late payments. XXXX XXXX e-mailed me proof of letter that they reported my account paid in full not settled. I have been trying to fix this with Transunion, since I have been on the phone with Transunion for two hours everyday before I can speak to a representative. I have attempted to fix this with Transunion all week I have been trying to update my report as paid in full and not settled. This is affecting my credit report and score. Its wrong for you to pay your debts in full and your report still shows derogatory and on top of that they told me that it will be like this for seven years regardless if I paid in full or not this is not OK this is not right how people abuse their title to do whatever they feel like doing on other peoples credit reports this is FALSE INACCURATE INFORMATION ON MY CREDIT REPORT As of right now my account is derogatory status and I was told by a Transunion representative that my credit report will reflect a derogatory status for seven years due to not paying in full that is not correct its in accurate. I have been trying to fix this a Transunion representative told me that they will fix it and update my credit to paid in full but when I went back to check my credit report my account was freeze. I called technical support as advised by Another Transunion representative. I called technical support they told me there was no freeze on my account whoever took care of this over the phone and promised to update my credit report didnt help me didnt do anything and did something to my account where I dont have access to it and no one can help 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 2020-05-14 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: Paypal Holdings, Inc
State: FL

Complaint narrative:
I ordered a treadmill on XX/XX/XXXX from a XXXX company XXXX. XXXX is an exercise equipment with a size of a dinner table. I paid with Paypal account. On XX/XX/XXXX after numerous complaints I received a small package from XXXX with sunglasses. Completely different from what I ordered. I disputed with Paypal, but they refused to return me money paid $ XXXX. This is a fraud. Please review the attached documents and images. 
Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: GA

Complaint narrative:
I have over $ XXXX in XXXX school loans currently being serviced by FedLoan Servicing. I am a XXXX   and have been making qualifying payments for the last almost 9 years toward the Public Service Loan Forgiveness program. By my own count I have made 105 qualified payments of the 120 payments required for loan forgiveness. FedLoan currently has two of my loan payment counts at 75 and two at 60. These numbers are dramatically lower than the actual count and should be the same as I have never paid on only half of the loans - the payments should have been going to all four. I  called and requested a manual recount for my account with FedLoan on XX/XX/2020 but still have not received results of that recount.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: FIRST NATIONAL BANK OF OMAHA
State: CA

Complaint narrative:
I asked for a balance transfer to my XXXX XXXX account from first bank. They offered me a transfer rate of 0 % until XX/XX/2021. Somewhere in very small print was written that theres a 5 % fee which I did not understand at all or see, because this was an application that I did online. 

I took a month for them to send me the actual card, and I couldnt sign on and see what was going on. Finally after calling them they sent me the card and I managed to sign up online to look at my account And I see they charged me {$410.00}, for a balance transfer of {$8300.00}. 
and I see they charged me {$410.00}, for a balance transfer of {$8300.00}. 
If I had known that this was the amount I would never have done a balance transfer, because essentially whats happening is they charging me a 5 % interest-rate to pay this off within a year, not a 0 % interest rate which was what I was understanding Due to the fact it took almost a month for me to get the card and be able to sign-on and look at the details, theyve already sent the transfer to my XXXX XXXX account and charge me the {$410.00} I would like a refund of that {$410.00} because it was completely misleading.

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 2020-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues. 

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report  because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX  XXXX  XXXX  ACCOUNT NUMBER : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: Netspend Corporation
State: WA

Complaint narrative:
An unknown person with an telephone # beginning in XXXX called in to XXXX   last week trying to breach my account. Netspend/XXXX  put my acct onhold. I called in several times this week XX/XX/XXXX thru XX/XX/XXXX. 
XX/XX/XXXX I was not able to get thru to anyone on several attemptd, in which i can get phone records and recordings for calls. TuesdayXX/XX/XXXX..I spoke w/ reps " XXXX Bagde # XXXX and XXXX # XXXX i WAS N 2 SEPERATE CALLS EACH FOR AN HOUR AND then they hang up while i was on hold ... THEY CLOSE at 4 my time ... the 2nd call w/XXXX  adv me she needed to call mycell phone while i was aqt work to verifyits me ... so I left my job to accomodate ... she sed she will call in 4-10 min and never did at which that 10 min mark was whn they closed. XX/XX/XXXX i start again in the morning calling on hold another hour, the woman on the phone advised ne they are gon na have to close myaccount and send a check to address on file. I advised the woman on the phone that im in the middle of moving and that address is not good and i would like to find a diffrent solution and asked for a supervisor ... .she put me on hold where i was for 10additional minutes to only have her end the call. I had taken so much work Time iff During the 2 days ... I couldnt take more time and call back .. XX/XX/XXXX I believe the rep from the previous day closed myaccount ... as today they had a hard time finding my account ... so today my 1st rep was XXXX badge # XXXX ... i ASKED IF HE KNEW WHO THE4 CFPB WAS HE SAID he had no idea ... adv will be making comoplaint today so ineed to make sure we tryn to handle my call a little better today ... he transfers me to supervisor XXXX badge number XXXX THIS IS ABOUT 20min into call ... he places me on hold after advising me neither does he know who cfpb is..he states i need to speak to fraud dept now ... they left me on hold for an hour and 36 min until they closed and call just went dead ... They have XXXX of my money and cant touch it or talk to anyonte about it ... i BELIEVE THIS IS THEFT. I NEED HELP

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 2020-05-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have a conventional hoome mortage with Wells Fargo Bank. Recently, Wells Fargo emailed me and offered covid-19 assistance to defer three of my mortgage payments. Wells Fargo claimed that the deferment of payment wasn't going to effect me in any way, shape or form. They weren't going to report me to the credit bureau, they wouldn't charge late/interest fees. Long story short, I wasn't going to be reflected on my account at all. All I did was go on my Wells Fargo Account page, clicked a couple of buttons and automatically enrolled. A couple of weeks ago, I started a refinance on my mortgage to lower my interest rate. I completed everything with my refinance company. The called me a couple of days ago telling me they can't refinance my loan because it shows me being in " forbearance '' status with Wells Fargo. I was told that Wells Fargo listed my account in forbearance, and indicated that zero payments have been made on the mortage to the credit bureau. They never EVER mentioned once that I wouldn't be able to refinance my mortgage if I take advantage of the payment deferral with them. I feel like I have been lied to and now I won't be able to refinance my loan for at least 1 year, which Wells Fargo never told me before. I have been devastated because I needed the refinance to lower my monthly payments and Wells Fargo with their shady practices have ruined that opportunity.

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 2020-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
I called on XX/XX/20 on behalf of my husband to get written validation of his debt- the agent said that it was sent for not just one debt but a second one we didnt receive any notice for, confirmed our address, but when I asked that they be re-sent ( since we never received notice of this debt until today in a pre-legal notice, never received ANYTHING in regards to the second debt, and never requested the validation from them previously and have never made direct contact with them ), and specifically asked that they be sent certified mail, the agent was extremely hostile and aggressive, and insisted I give her an exact amount that I would be able to pay TODAY or face legal action- despite my insistence that I would need to see those validation letters to confirm the debts and the amounts, and speak with my husband about them before making any payments or promises to pay. She proceeded to badger me with personal questions like what my financial discussions with my husband were like. We still have not received these validation letters, yet am being told if we dont make a payment by XX/XX/20 we will face legal action, including one debt that we have received absolutely NO correspondence about.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report  because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : 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 2020-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues. 

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : 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