vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
My credit card information was stolen on XX/XX/2019. The unauthorized amount of {$230.00} was charged to my MasterCard DoubleCash card on XX/XX/2019. 
Due to the racketeering acts of 'XXXX XXXX XXXX XXXX ' merchant, they refused to show me a proof of receipt with my signature. I did not sign my signature on a receipt for them to charge my card. I filed a complaint with the FTC ref # XXXX on XX/XX/2019. The merchant did not show up to a court hearing. 
I called Citibank and spoke to XXXX XXXX on XX/XX/XXXX and she told me that I was not liable for the {$230.00} charge. After all the information was sent by me, XXXX XXXX called me at XXXX XXXX on Friday, XX/XX/XXXX. She hung up on me after I requested a proof of receipt with my signature. Hanging up on a consumer is unacceptable! I need to receive a credit for the XXXX disputed amount.

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 2019-05-18 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Equifax has fictitious reports about my credit and when I disputed them they dropped my score even lower! 
The other two credit agencies show my credit in the seven hundreds while Equifax dropped me to XXXX. I was injured in XXXX and incurred medical bills causing me to lose my house, my job and my wife divorced me. Im getting my finances back on track, but Equifax keeps ignoring my complaints. What is going on with Equifax? They are ruining my credit and making it impossible for me to get back in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Today, Friday XX/XX/19, I received a notice that my credit limit was reduced at citibank. This is the third time my limit has been lowered, and it seems that every time I make a substantial payment, Citibank engages in this " balance chasing '', which has a negative effect on my credit bureau report. 

I filed a CFPB complaint concerning my treatment the last time this happened, and I asked whether it was possible to reduce my interest rate or do anything else in lieu of the higher limit. They did not make any sort of concession other than pulling my credit again to try to see if it hit their criteria for restoring it, which it did not. 

Also in the context of that complaint : creditors are aware that the debt-to-income ratio on both individual lines and the overall profile are a very large share of FICO scores. Citibank showed utter disrespect for the authority of the CFPB by making an utterly farcical statement that they could not predict the outcome of lowering my limit to within a small amount of my current balance. 

I decided to close my account. As a final slap in the face, the rep told me that I would forfeit the small amount of cashback on the account, because I was closing it. The rep also told me today that I would not be eligible for any sort of hardship program if I closed the account. At this point, I'm treating this as damage control. They can't raise the interest rate again if I close 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 2019-05-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: Bread Financial Holdings, Inc.
State: DE

Complaint narrative:
I'm having trouble making payments on my XXXX XXXX account with Comenity Bank.

They have taken to calling me repeatedly with spoofed and " restricted '' numbers.

I've already told them I'm in trouble and they've offered no help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
Bull city collections has posted a collection on my credit report without contacting me first. I have no knowledge of the dept and my balance with the supposedly owed XXXX XXXX  is XXXX. I disputed the collection to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Machol & Johannes, LLC
State: CO

Complaint narrative:
I was contacted by a debt collector called Machols Johannes in XXXX, Colorado about a debt that I had already been to court on and setup payment arrangement with and paid the entire bill off. That company was XXXX XXXX XXXX. I have trying to Express my situation with Machols and Johannes bu th they just wont listen and have now file a court case against me for a bill I already paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-18 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: NV

Complaint narrative:
I sent Transunion evidence that a medical collection was paid for the original creditor. They sent investigation results on XX/XX/19 saying Verified 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 2019-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I called trans union about a hard credit inquiry and all they said was they would look into it. The inquiry was for XXXX/XXXX and the phone number listed doesnt work

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 2019-05-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Exeter Finance, LLC.
State: TX

Complaint narrative:
During the month of XX/XX/XXXX, I approached my lender about not receiving my car title. After several days I was told that I had a balance. But as far as I'm concerned I don't. 

Prior to my bankruptcy discharge those with a secured interest were sent notice whereby they could advise if I had a balance and this company did not.object. I followed up and sent Exeter a certified return receipt correspondence on XX/XX/XXXX and still no reply. 

Return receipt number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-18 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: FL

Complaint narrative:
Notified by XXXX XXXX that they were unable to pull my Equifax credit report. They were successful in pulling reports from XXXX and XXXX. I contacted Equifax and they tell me they could not locate my credit data file. I am XXXX years old. I have had a credit file since approximately XX/XX/XXXX and suddenly it doesn't exist with Equifax as of sometime in the past year! I have had no difficulty accessing my Equifax credit report in previous years. I have had a Fraud Alert on my account for several years and have successfully lifted the freeze numerous times -- most recently XX/XX/XXXX-XX/XX/XXXX. I have always been able to use my PIN # to lift the alert online. Now, I am unable to lift the fraud alert with my Equifax account. I have tried unsuccessfully lifting the alert online, by the automated phone system as well as the phone app. I have spoken to several Equifax representatives over the past 2 weeks with no success getting to the root of the problem. Most recently I was told that even though I gave them my PIN #, I would need to mail/fax a copy of my driver 's license and social security card to them before they can help me. I am in the process of purchasing a new home ( within 10 days ) only to find that I am unable to apply for credit for appliances or more importantly apply for homeowners insurance ( they will run a credit check ) as well as set up utilities. What am I supposed to do while we wait for this to be resolved. The customer service representatives kept referring me back the website or automated phone systems to lift the alert! It doesn't work!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
I was contacted by a debt collector called XXXX XXXX in XXXX, Colorado about a debt that I had already been to court on and setup payment arrangement with and paid the entire bill off. That company was XXXX and XXXX. I have trying to Express my situation with XXXX and XXXX bu th they just wont listen and have now file a court case against me for a bill I already paid.

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 2019-05-18 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: NY

Complaint narrative:
AFTER REVIEWING MY ANNUAL CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT WERE PLACED ON MY CREDIT FILE. PLEASE BE AWARE THAT THOSE ACCOUNTS WERE PLACED WITHOUT MY KNOWLEDGE AND ARE REPORTING AS DEROGATORY ACCOUNTS. I URGE YOU TO PROMPTLY UPDATE YOUR CREDIT RECORDS AND CORRECT YOUR REPORTING INACCURACIES ON MY CREDIT FILE FOR I NOT LONGER LIABLE TO THOSE DEBTS. 
I DISPUTE THOSE ACCOUNTS IN ITS ENTIRETY AND I KINDLY ASK THAT THE NEGATIVE ENTRIES YOU'RE REPORTING BE INVESTIGATED AND DELETED FROM MY REPORT AS SOON AS POSSIBLE TO PREVENT ANY FURTHER DAMAGE ON MY CREDIT FILE AND OTHER ENTRIES SUCH AS LATE PAYMENTS OR CHARGE OFF SHOULD BE PURGED FROM MY CREDIT FILES.

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 2019-05-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC
State: MI

Complaint narrative:
Debt was resolved with the creditor. Debt collector sent me a confirmation letter that the account was closed. After the debt was resolved the debt collector still reported it to credit bureau.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Nelnet, Inc.
State: KY

Complaint narrative:
I attended this college with graduating with an XXXX XXXX. When enrolling it was stated and promised that Anyone could transfer credits at anytime so if I decided to continue my education at another college that offers XXXX Id be two years ahead of the game. I originally enrolled early XXXX. Which I was charged for being on day 3 in my 3 classes, which is the 3rd week since each class was only one day a week. They refused to help me. I was 4 months XXXX and on the verge of XXXX  my child. They made me either drop out and pay before coming back or fail and pay towards loan. That was my only two options. I chose to fail so I could come back after my abrupt medical leave. Went back re enrolled XXXX, same statements and promises applied with transferring credits, and promised landing a job right after graduation or sooner with the degree earned. I finished in XXXX graduated and since I was hired through my internship I never got to find out myself that they didnt help others. However, almost XXXX dollars in debt later. My credits dont transfer to any other school. Going back Id have to start all over unless I went back to The same school. Which now its closed permanently and the next one is no where close to me. XXXX was being sued by common wealth of KY a few years ago for the promises made to the students who attended between XXXX and a few years later for false information. I now have almost XXXX in debt to go nowhere. I cant get another loan to start all over again. I cant afford that. 2 years wasted with a degree thats just a piece of paper. I dont think its far I owe all of that for a piece of paper. Department of education/nelnet should consider an early forgiveness since common wealth suing didnt help the students who were effected by this. I want to be set free from this loan that is useless.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: CARVANT FINANCIAL LLC
State: FL

Complaint narrative:
I recently filed and have been discharged from bankruptcy. Carvant was included as well. The vehicle was going to be re-affirmed but after speaking with the trustee and my attorney they thought is was best that this vehicle is surrender so that I could have a fresh start. Now the problem I am having is that Carvant will not honor this bankruptcy and the discharge that was given. They will not update the information on all three reporting credit bureaus. They are contesting that they do not know anything about the bankruptcy. 

The vehicle was surrendered on XX/XX/2019 so I am so confused at what they are fighting for? The discharged was granted on XX/XX/2019. 

I have spoke customer service at XXXX and XXXX and they both are stating that carvant concludes that this account in past due and that they where not included in the bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Pendrick Capital Partners Holding, LLC
State: MI

Complaint narrative:
Debt was resolved with the creditor. Debt collector sent me a confirmation letter that the account was closed. After the debt was resolved the debt collector still reported it to credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-18 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: FL

Complaint narrative:
The purpose of this complain is to advise you that an improper investigation was conducted by TransUnion. TransUnion failed to provide me with a copy of any original documentation for example, a consumer contract a with my signature on as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act. 
Furthermore, TransUnion have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ), pertaining to a debt claimed wrongfully being reported by 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 explanation
Consumer complaint received 2019-05-18 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Problem with an overdraft — Was signed up for overdraft on card, but don't want to be
Company: Automatic Data Processing, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX, I saw that my car insurance company had charged me twice time my debit card. I called my debit card company and made a report. I can use my card just after take my paycheck deposited in my account.. a couple of days after, I saw a charge U {$12000.00} from XXXX, but without my authorization. Then, I called again my debit card company, and they decide, lock my account, and send me a new card. after around 2 weeks, a card was delivered in my home, but to now, I don't have my U {$12000.00} deposited in my account. Then, I called my debit card company again. After 1 hour waiting in the phone, the attendant said that she needs to transfer my call for dispute. I wait for 2 and a half hours, and it's turn off. No answer anytime. I try all week, 3 times for the day, and nothing, no answer. In one this call, the customer attendance told me that I have few money, and its the cause that nobody want to help me. Thru now, I don't have my money

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
This bank is XXXX their branches threatens me treated me horible refuses to Open me an account gave me a letter blaming XXXX XXXX when its not I owe no money to this bank Or other banks I used to bank with them and was a good customer but for some reason they hate me their executive office lady lied to me and said that by Friday of this week she would have a response I sent her everything she asked me for and she XXXX  she doesnt even know what is causing this and refuses to help me their branches are awful towards me and tell me To go bank somewhere else and are extra XXXX XXXX and arrogant I faxed her my XXXX report showing I dont owe anyone money and even XXXX said its the bank that is refusing to open you an account not us your report is clean they have a problem with me and refuse to fix this and open me an account

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 2019-05-18 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: Receivable Management Group, Inc. (GA)
State: FL

Complaint narrative:
The purpose of this complain is to advise you that an improper investigation was conducted by XXXX. XXXX failed to provide me with a copy of any original documentation for example, a consumer contract a with my signature on as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act. 
Furthermore, XXXX have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ), pertaining to a debt claimed wrongfully being reported by RMG Receivable Management Group.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: FL

Complaint narrative:
My mortgage was issued in 2005 with XXXX  XXXX XXXX and subsequently sold to M & T Bank.

M & T Bank has been servicing my mortgage for over 5 years. This past XXXX M & T Bank force placed their Insurance on property as a result of them stating H06 Insurance was always required. 

Year over year the bank has requested my Master policy, been provided my Home Owners Association and have never requested a H06 Policy. 

As a result, my mortgage increased by over {$400.00}. I contacted M & T bank to file a complaint where a rep called me back once, I responded to her call multiple times by telephone with no call back from her. Weeks later I was sent my original mortgage documents with a clause highlighting that if my mortgage is sold to another company, I must comply by their rules. Which they were enforcing over five years later. 

As a result of M & Ts action of neither requesting or enforcing their H06 policy rule when they purchased my mortgage, the insurance I was offered through an Insurance company was almost as high as the Insurance Im paying M & T Bank. This is due in part to having no prior Insurance and an owner for over 10 years. In addition M & T Bank has collected {$1000.00} dollars from me over a 2 month course on a mortgage balance of Less than Ninety Five Thousand Dollars.

These practices are unfair customer treatment and I feel they should be reprimanded for their actions. 

I most definitely will be joining the class action lawsuit regarding this Insurance matter.

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 2019-05-18 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
Both XXXX and Navient are crooked. A ponzi group of schemers. XXXX XXXX in 2002 dismissed my wifes loan who is a XXXX XXXX. We filed a complaint to them and XXXX XXXX  investigated the u of XXXX Their findings. Were. That the u of XXXX were at fault. For improperly dismissing our son They dismissed our loan and told us that the u of XXXX was returning the loan money approved by XXXX XXXX president. And we are still being bothered.

Company response to consumer: Closed with explanation