vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-18 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My car was having its 2nd infotainment module replaced by XXXX XXXX under warranty because it was defective. I was given a loaner XXXX XXXX to drive because the replacement unit had to be ordered. The loaner agreement stated that any damage to the car would initiate a claim with my insurance company. The loaner windshield had lots of pits from prior Ioans. The day I returned the car, XX/XX/XXXX, the windshield cracked on my way to the dealer. Nothing hit the windshield the entire time I drove the car. I am not responsible for the crack in the windshield. 
I was informed when I returned the car to the dealer that I had to pay for the windshield because they had changed their policy. I argued that the agreement I signed stated that the dealer would file a claim with my insurance company for any damage. I was told by the Service department manager, XXXX, that the only way to get my car back was to pay for the windshield. She said that I would have to contact my insurance for a refund as XXXX would no longer file with the insurance company. The cost of the windshield was over {$1100.00}. 
I am a senior female who was bullied by the manager and who had no recourse to get my car back although I had not caused the cracked windshield. 
XXXX was found guilty of defective windshields on their XXXX and XXXX XXXX pls see Docket NO XXXX. XXXX is currently being sued for defective windshields on their XXXX XXXX  in the U.S. District Court for the District of New Jersey  - Case NO XXXX, XXXX v XXXX XXXX  XXXX XXXX . I have attached the court filing in a pdf. 
This charge is NOT valid because the windshield is defective. I have never seen a windshield crack like that. XXXX has a history of defective windshields and this current class action lawsuit shows that they have not corrected their problem. 

There are 2 pdfs attached to this email XXXX XXXX This is to inform you that ANOTHER lawsuit has been filed against XXXX for defective windshields on XXXX XXXX. It is Case No. XXXX in the U.S. District Court for the Central District of California , filed on XX/XX/XXXX. I have attached a picture from the top Class Action website with the information. 



Sent from my XXXX, XXXX XXXX smartphone Show quoted text A third lawsuit against XXXX for defective windshields was filed XX/XX/XXXX in the U.S. District Court for the Central District of California, Case No : XXXX. I have attached 2 screen shot w additional information. 
Please call me when you receive this information. 

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 2020-01-18 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have a PayPal Extras Mastercard for a few years now. Unfortunately my current charges do not appear on my online account when I log into my Paypal.com account. I have contacted their customer service twice, one time by online Chat to no avail ; and, also by telephone to try and resolve this issue. Both times that I have contacted their customer service representatives I am told that there is a problem with their system, a glitch in the system ; however, this has been happening for months now. 
The person that I spoke with online Chat is XXXX ; and, by telephone was XXXX. 
I am concerned that without viewing my current activity online, I can not keep track of current balance, nor any fraudulent charges to my account. I try to monitor my credit card accounts to catch any fraudulent charges, or identify theft issues, before they become major problems. Unfortunately there are only three purchases/transactions listed online on my account under " Activities '' and those are old purchases. 
Can I get assistance with them keeping current with their online accounts to post all current activities. The last purchase that I made which appeared on my most recent statement of XX/XX/2020, is for XXXX  XXXX XXXX XXXX on XX/XX/2020 in the amount of {$100.00}. I am not disputing any charges on my statement ; however of all the 16 charges ; only three appeared online under " Current Activities. '' Help, please. Thank you very much. 
*XXXX  XXXX XXXX , card holder.

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 2020-01-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: Army and Air Force Exchange Service
State: CO

Complaint narrative:
On XXXX XX/XX/2020 I called Army Air Force Exchange Services ( AAFES ) and said I did not open a credit card. AAFES refused to take action, and said I must call back on XXXX XX/XX/2020. 

On XXXX XX/XX/2020 I called AAFES and talked to the fraud department. They asked me to send and email and they would send the letter. I sent the email they requested. I called AAFES to confirm they received the email. The representative refused to ask the fraud department if they received the email. I insisted they ask the fraud department. The representative then checked and confirmed the email was received. 

On XXXX XX/XX/2020 I received a credit card that I did not apply from AAFES. 

As of XXXX XX/XX/2020 I still have not received the promised letter from the AAFES fraud department.

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 2020-01-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: WI

Complaint narrative:
at the beginning the payment was too high the payment was at XXXX a month me and my dad we do make that amount but it would take every thing we have also I have been tiring to remove my sister of the loan the XXXX co said it could if the loan was current but that is a problem we are both working part time and on social security the bank told me to have her give paystubs and other documents of hers but she will not sign she feels should not have to because is not living in that home please let me know if you can help me the loan was with a different bank at the beginning and was transferred over when the other bank had the loan they said I did have to use her name if she was not contributing or not living in the house but the new bank said I still do is there any way to still go and by pass her off thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-18 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: MA

Complaint narrative:
All of the major credit reporting services refuse to remove a XXXX account that shows an amount due of {$130.00} when the amount owed is XXXX. I had ongoing disputes with XXXX and they ignored my multiple requests to close the account and CREDIT me for defective copper cable and other service deficits. This is a telephone utility, how is this listed as a credit account? My score dropped about 40 points because of this fraud perpetrated by 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 2020-01-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Selip & Stylianou, LLP
State: NY

Complaint narrative:
Selip & Stylianou , LLP Attorney at Law on behalf of Metro Portfolios , INC representing XXXX XXXX XXXX has subpoenaed my financial records and decided to collect the debt directly from my paycheck. My name is XXXX XXXX XXXX it is not XXXX XXXX this collection is illegal because it is nowhere on my credit report to be found i wasn't even given the chance to dispute the claim the uploaded court filing was sent directly to my employer

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 2020-01-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
LVNV funding have no record of this debt or validity of said debt it just appears on my credit report. Have put in a dispute with XXXX  via phone as I have paid any debts with any validity to them. I do not believe this is an actual debt owed by me. XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
AMERICAN EXPRESS IS REFUSING ARBITRATION REGARDING THE TERMS AND CONDITIONS OF THE XXXX XXXX  CREDIT CARD AND THE XXXX  XXXX  XXXX   CARD WITH XXXX. 

AMERICAN EXPRESS IS REFUSING TO MAKE THE PROPER PAYMENT TRANSACTION TO XXXX  REGARDING THE FEE OF THE ARBITRATION REGARDING THE TERMS AND CONDITIONS OF THE XXXX XXXX  CREDIT CARD AGREEMENT DUE TO XXXX. XXXX XXXX XXXX INCOME WITH SOCIAL SECURITY.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-18 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: GULF COAST COLLECTION BUREAU, INC.
State: FL

Complaint narrative:
I am working directly with the billing Departments and I being harassed by a make shift local debt collector. 

These from Gulf Coast Debt Collections calls can be characterized as harassment. They are increasingly frequent and invasive.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-18 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
THE DIPSUTED ACCOUNTS NEED TO BE PURGED OFF MY CREDIT FILE, THOSE ACCOUNTS LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME. THE ACCOUNTS ARE INACCURATELY PLACED AND I WOULD LOVE THEM TO BE REMOVED OFF MY CREDIT FILE.

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 2020-01-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: FL

Complaint narrative:
I checked my credit report two days ago, and noticed two accounts from Enhanced Recovery for XXXX and XXXX, in the amounts of {$1900.00} and {$760.00}. 
I have never had any account with either mobile phone company. My sister used my information twice  and opened two mobile phone accounts in XX/XX/XXXX and XX/XX/XXXX. These accounts were not authorized and were opened fraudulently. I have filed an FTC fraud affidavit for the two fraud accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-18 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I WRECKED MY CAR ON XX/XX/XXXX. I DECIDED TO GET A NEW ONE. I WAS DENIED FOR FINANCING I OBTAINED A COPY OF MY CREDIT REPORT FROM EXPERIAN.COM ON XX/XX/XXXX ( ATTACHMENT A ) UPON REVIEW I NOTICED SEVERAL ERRORS ON MY REPORT. I THUS DID CONSUMER RESEARCH AND FOUND I HAD RECORSE BY CONTACTING THE BUREAU AND FILING A DISPUTE. I COMPILED ALL THE ERRORS I HAD ON MY REPORT, PERSONALLY CRAFTED A DISPUTE LETTER ( ATTACHMENT B ) AND SENT THEM TO EXPERIAN VIA CERTIFIED MAIL ON XX/XX/XXXX EXPERIAN RECEIVED MY DISPUTES ON XX/XX/XXXX. ( ATTACHMENT C ) ACCORDING TO FEDERAL LAW ( FCRA ) AND STATE LAW ( LOUISIANA REVISED STATUTES TIT. 9, 3571.1. ) THE CREDIT BURUEA HAS 30 DAYS FROM THE DATE OF THE DISPUTED INFORMATION TO VERIFY ITS ACCURACY WITH THE DATA FURNISHER AND UPDATE THE REPORT. 
ON XX/XX/XXXX EXPERIAN WROTE ME A LETTER SAYING THAT MY DISPUTES WERE NOT INITIATED BECAUSE THEY THOUGH THAT MY DISPUTES WERE NOT INITIATED BY ME. I RECEIVED THE LETTER ON XX/XX/XXXX ( ATTACHMENT D ) I ATTEST THAT ABSOLUTELY NOTHING IN MY LETTER COULD REASONABLY GIVE RISE TO THE SUSPICION THAT IT WAS NOT SENT BY ME. THE CLASSIFICATION OF MY LETTER AS " SUSPICIOUS '' IS AN INCREDIBLE STRETCH OF THE TERM. EXPERIAN HAD NO QUALMS GRANTING MY REQUEST FOR A COPY OF THE CREDIT REPORT THAT GENERATED THE DISPUTE WHEN GIVEN THE EXACT SAME IDENTIFICATION INFORMATION. I DID IN FACT WRITE THE LETTER IN QUESTION WITHOUT ASSISTANCE FROM A THIRD PARTY. I DEEM THAT THIS IS AN ATTEMPT TO CIRCUMVENT THE STATUTORY INVESTIGATION PERIOD DEFINED BY THE FCRA AND LOUISIANA REVISED STATUTES TIT. 9, 3571.1.

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 2020-01-18 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
i dont remember having an XXXX XXXX credit inquiry on my report dated XXXX it should not be there.

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 2020-01-18 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:
THE DIPSUTED ACCOUNTS NEED TO BE PURGED OFF MY CREDIT FILE, THOSE ACCOUNTS LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME. THE ACCOUNTS ARE INACCURATELY PLACED AND I WOULD LOVE THEM TO BE REMOVED OFF MY CREDIT FILE.

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 2020-01-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: AL

Complaint narrative:
XX/XX/XXXX this debt was reissued 3 different times to my credit report AFTER it had been deleted by using another company name and reason for collection. It also has been split into two collection agencies STARTED AS XXXX XXXX XXXX in XXXX, then AFI  in XXXX, then as another XXXX in XXXX. This is NOT my debt. I NEVER missed a payment with XXXX XXXX XXXX and had a combined billing with tv, home phone, internet and cellular service. Ive tried for two years to get whatever this is removed from my report and it been reinvestigated over and over and over successful then reapplied.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-18 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am a victim of identity theft

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 2020-01-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Capital One is refusing to go to Arbitration under the Federal Arbitration Act regarding the terms and conditions of the Card agreement. 

They are refusing to pay the billing for Arbitration to XXXX  REGARDING THE TERMS AND CONDITIONS OF THE Card agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-18 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: OH

Complaint narrative:
I am writing this complaint over an inaccurate late payment. I was protected under the XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX # XXXX. I have never been late on this account. I am also contesting the charge off on the XXXX XXXX # XXXX. 

I am requesting that the late payments be removed from my report. I was serving my country from XXXX - XX/XX/2019 as a 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 2020-01-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Mercedes Benz Financial Services
State: VA

Complaint narrative:
Mercedes has intermittingly refused to take credit card or bank checking acct payments over the phone, without forwarding to a 3rd party ( XXXX XXXX ) for routine, bi-annual tax bills on a leased vehicle. When this occurs, a large cash advance fee is charged by the card because of the way it's submitted. Large Checking acct fees are usually charged by Mercedes but they're sometimes waived depending on the rep. The bills state what this may be allowed under State law but they won't say what law. This issue has been reoccurring for many yrs. Now they simple refuse to tell me what law they're referring. When I've pd by check, they often confuse this pymt with my regular monthly auto debit pymt for my lease. This is frustrating. You've tried to help back in 2016, now they're starting again. Please advise. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-18 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: CA

Complaint narrative:
I am a victim of identity theft

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 2020-01-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Synchrony bank harassing calls daily threatening 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 non-monetary relief
Consumer complaint received 2020-01-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
On XX/XX/XXXX, XXXX was disputed on TRANSUNION CREDIT SERVICES. THE WEEK OF XX/XX/XXXX XXXX XX/XX/XXXX, Transunion deleted information due to lack of verification. On XX/XX/XXXX, XXXX was reinserted without any prior notification. On XX/XX/XXXX, XXXX accepted the debt validation letter that was sent. XXXX has not sent any validation notices to show proof. It was requested to provide 1. the original account-level documentation reflecting all purchases, payments, or other actual uses of the account ; 2. a document signed by XXXX XXXX evidencing the opening of the account forming the basis for the debt ; 3. the name of the creditor at the time of charge-off, including the name under which the creditor did business with our client ; 4. the last four digits of the account number associated with the debt at the time our clients last monthly account statement, or, if not available, at the time of charge-off ; the charge- off balance ; 5. XXXX method of calculating any amount claimed in excess of the charge-off balance ; 6. a copy of the statement where XXXX offered to provide our client ( within 30 days of a written request ) with copies of a document signed evidencing the opening of the account forming the basis for the debt ; and the original account-level documentation reflecting a purchase, payment, or other actual use of the account. XXXX was given another 15 days ( goodwill attempt ) to  validate debt was sent on XX/XX/XXXX. Have yet to send the above required documentation and have yet to delete/ block account account number XXXX from XXXX   on TRANSUNION credit 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 2020-01-18 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS ARE ALL FRAUD RELATED. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2020-01-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
I don't believe the monthly payment amount is correct. The loan amount is {$340000.00} with an interest rate of 3.875 percent over a 40 year term. By my calculation and using various calculators online, the monthly amount should be lower than {$1400.00} per month.

Company response to consumer: Closed with explanation