vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-29 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: PA

Complaint narrative:
CitiCards upheld a request to chargeback a fraudulent transaction made to my card by XXXX. Citi closed the " case '' saying in a recorded call that the date of my cancellation of XXXXXXXX  service was never communicated - despite my telling them " XX/XX/XXXX '' several times. I allege Citi did not properly follow chargeback norms, and failed in its duties, and is still charging me the charge. There is also the matter of XXXX  tself, and its absolutely failure to communicate back with me, as well as several misstatements that company has made ( they provide services to those submitting expense reports, and their business tanked during COVID, thus they are " grabbing '' revenue ). In fact - Citi is in possession of an email FROM XXXX  saying if I would withdraw the chargeback, they would refund me the money - and STILL no refund. Citi is complicit in its behavior to this fraud.

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 monetary relief
Consumer complaint received 2021-01-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: CO

Complaint narrative:
Hunter Warfield took collection from my former leasing company XXXX at XXXX XXXX. Despite the fact the XXXX had my email and I left a forwarding address they never sent me a bill. I was totally unaware of the amount owed until I started receiving frequent and aggressive calls from Hunter Warfield. I informed them that I have never received a bill or any type of notification from XXXX at XXXX XXXX before being turned to collections. The collector Hunter Warfield had been calling me for months before they finally sent a summary of an amount owed with no details. I have been unable to validate the bill or what I am even being billed for to date. I informed Hunter Warfield that refuse to make payment on a bill I am unable to validate. I also don't think I should see credit impact without first being informed what my charges are for in detail. I was never even given that chance to resolve the bill with XXXX and now am unable to substantiate charges to work on resolution with Hunter Warfield and in the mean time I continue to be charges interest and have my credit negatively impacted with no real means of solution.

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 2021-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
On the XXXX of XX/XX/2021, my account was phish scammed and they removed {$2500.00} from my account through XXXX, as they attempted to call me from XXXX XXXX XXXX, without my knowledge or consent. I called Citibank as soon as I noticed and put in claim for the issue, Reference - XXXX They didnt make any attempts to contact me or freeze my account when the scam went and charged my account 20 separate times for amounts of {$120.00}, in fast successions. They did nothing to stop these transactions or notify me. 

Another call was made to my spouse who is on the joint account, but asking for me, and about the situation. Another phishing attempt, and I reported this to, to Citibank instantly with numbers, and contact information, that I do not have on me at the moment, but have the Reference number for the claim - XXXX Over a week passed, and on XX/XX/XXXX, I contacted Citibank, wondering where my funds were, as I could no longer pay bills now because my entire checkings was removed. They informed me the claim had been denied, with no other information online.

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 2021-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: MO

Complaint narrative:
My account was $ XXXX in the negative. I went immediately and deposited {$25.00} cash into the atm system to get my account out of a negative balance. I then had a positive balance of $ XXXX in my account. There was enough money in my account to cover my transactions. The next business day PNC bank charged me {$36.00} because my atm deposit was after XXXX. Now my account is again $ XXXX in the negative. On Friday XX/XX/2021 XXXX I discovered that PNC bank charged me ( 3 ) {$36.00} overdraft fees for the pending transactions on my bank that had enough money originally in my account to pay for. They charged me a total of ( 4 ) overdraft fees totaling {$140.00}. I made a deposit for {$170.00} plus {$25.00}. 


This is wrong. Its ridiculous I know how to manage my bank account. I work very hard to manage my finances. I am a responsible individual and I want my bank account fixed. This is how the rich keep getting rich and the poor stay poor. I understand there are rules to how transactions work. However ; there was enough money to pay for my transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 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 submitted a dispute and the information was NOT verified and is fraudulent. They refuse to remove the incorrect information from my credit report and are causing irreparable harm.

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 2021-01-29 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
I was promised a degree in XXXX XXXX, I was told not to worry about the student loans since I qualify for FREE. I needed help many times from the teachers, who at the beginning of the school year said they were available for questions outside of school hours. I called multiple teachers since I was struggling with the courses. Some of the teachers could be heard at a bar having drinks ( my husband can confirm this ) I did not pass those courses and when I complained to the administrator or aids they appeared to not care. I NEVER received my degree and NAVIENT ( used to be Sallie Mae ) is constantly harassing me for payments. I have been paying on this loan for over 20 years! I've told Navient what happened during the school year and the only thing they care about is getting their money. What XXXX did to me is FRAUD and since the school doesn't exist anymore I have no where else to turn. Please HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 00:00:00
Product: Debt collection — Mortgage debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: M&T BANK CORPORATION
State: PA

Complaint narrative:
I have never missed a payment beyond 30 days. However, M & T calls me when my mortgage is not late, after the XXXX of the month. Also, if I am late for that month payment, ( not over 30 days ) I pay the late fee of {$12.00}. 

I had explained to them that I have been out of work for over 2 years. Because of my finanical situation I need to split my payments during the month. Half at the beginning of the month and other half later in the month. 

I have told them this but I still receive hassling phone calls.

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 2021-01-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Peoples Commerce Inc
State: PA

Complaint narrative:
I didnt not authorize this loan and when I tried to contact the company drive here is closed down and turn into XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
There are criminal charges on my report that I was not charged with and dismissed. I have contacted my attorney for this is very upsetting and not accurate information and is very harmful to be put on a credit report when not correct. I am very upset and dont understand how anybody has the right to put anything criminal that was dismissed.

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 2021-01-29 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: VA

Complaint narrative:
I filed a dispute about the inaccurate and fraudulent accounts on my credit report with this company and it's been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: NY

Complaint narrative:
Since my mortgage was transfer from XXXX XXXX to Suntrust I have only experienced problems and harassment. Letters and notice that mortgage is delinquent but all my payments are being paid. My mortgage is not properly manage my sunrust. Mortgage payments are not being applied correctly. But the biggest problem is that I am being defraud with the principal balance left on my mortgage. In XX/XX/2020 my principal balance with Suntrust was estimated {$620000.00}. In XXXX I enter into deferred program. In XXXX I request to exit and started to make my regular payments but now Suntrst charging me an outstanding principal balance estimate {$620000.00} plus a deferred amount of estimate {$18000.00}. How can this be correct. I spoke to Suntrust. Spend hours and hours in the phone, request to speak to a manager ( that never call you ) and nothing. I dont know what to do.

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 2021-01-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: FC HoldCo LLC
State: MD

Complaint narrative:
On XX/XX/XXXX. I called flagship credit to make a payment and discuss an Adjustment of late charges and other charges that was arbitrarily added to my account on XX/XX/XXXX and XX/XX/XXXX. I spoke to a CR Rep who advised that the adjustment was for the life of the loan but they couldnt give me any specific dates or send me an activity history show which dates those adjustment were mad. Im paying this loan off this year XXXX and out of no where they add XXXX and a separate XXXX to my loan. Why now. And why did I never see anything I writing.

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 2021-01-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I was considering the purchase of a vehicle and was shopping insurance costs. I ended up giving XXXX my credit card, not sure why they needed it, that according to their phone rep bound me to a policy for the vehicle. I thought it was a deposit that if I didn't use them I could get back. I did not buy the vehicle so did not need insurance. My existing insurance, XXXX, covered me for the vehicle anyway, and I have provided them proof of that coverage during the time they are billing me for. I even cancelled with XXXX and they continued to bill me. Now that I haven't paid, and obviously can't afford 2 insurance payments, especially for a vehicle I don't own, they turned me over to collections, Credit Collection Services, who continues to harass me and ruin my credit. I have talked to both about this, multiple times but didn't keep the exact dates, and it all keeps coming back to ME needing to go to the DMV and provide them with a report showing my name is not listed as an owner of the vehicle. This is a direct violation of the FCRA surrounding accuracy of data and their only solution is for me to go wait at the DMV to get a report to send them so they can consider the disputed amount. They have also asked me to call the dealership to prove it, which I have, but their accounting team never gets back to me. Meanwhile, they have destroyed my credit. They can run a report themselves to see I don't own the vehicle but they choose not to do anything on their side to try and resolve. Just keep pushing it back to the consumer and if I don't do what they want, to fix their error, I get harassed by a collection agency. I spoke to Credit Collection Services and XXXX on XX/XX/2021 one last time to try and resolve.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX did not have permission to access my credit report in XX/XX/2017 which led to a forged and fraudulent loan. This request is over 1000 days old.

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 2021-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: CO

Complaint narrative:
I lost access to my account with Cash App ( Square ) XX/XX/2020 due to my phone number changing and losing access the email attached to that account. I have attempted to recover my account regain access with Cash app ( Square ) Now for the second time. I have provided them with all of the information they had asked me for the first time and again this time. The ending result being the same 75 emails later I'm being told I will not be able to regain access to my account. I actually just reached out this time to make sure my stimulus money and boyfriend stimulus money that had been deposited onto that account last year was being kicked back so I could look for the check to be mailed to us. To my surprise that account is still active and still open. I have proof of my identity. I have the last four digits of the card from that account at the time I was using it provided by cash app, I've provided my social security number my birthday my name my cash tag name screenshots from when I was using that account I provide them a specific dates I moved money specific contacts I used my rent every month I have everything they've asked plus more. I have emails from the manager supervisor XXXX telling me my account is still active my account will continue to receive deposits as they come in as long as my account is active not giving me an option not giving me a choice but just ending that conversation with I'm sorry the case is closed we will no longer be able to help you I have since then made several attempts to get a hold of them just to get the same email back from XXXX stating I'm sorry your case is closed we can no longer help you so that's what I'm doing today asking for help I do feel this is very fraudulent

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: BMW Financial Services NA, LLC
State: FL

Complaint narrative:
BMW Financial Services informed during Covi19 no late fees or credit reporting while trying to make payments due to loss of job and earrings. They decided to change that in XXXX. I didnt received any notification via email or official letter in the mail. They have posted derogatory 30 days in XXXX and also XXXX when in fact they received full payment during the ten day grace period.Payment due date is XXXX of each month. Account is up to date but they continue to mislead the report past due in XXXX which is not correct. On the XXXX also the XXXX and on. They have changed the report several times with wrong information and not what should be up to date. They also explain that they added XXXX to derogatory while the no report to credit bureau and late fees rule still applied. Per BMW Financial above rule stopped applying on XX/XX/XXXX. As of XX/XX/XXXX they continue to mislead my report with XXXX past due as of XX/XX/XXXX This is unacceptable as the information is not correct they are not owed that money as the new payment is due XX/XX/XXXX for the regular monthly payment. 
I have disputed over and over with the bureau and they continue to change report to make it look the account is past due. Which is not. I have documentation to support. Also they have a recording via phone in case you need help during COVI19 when you ask about. They say is an old prompt and doesnt apply. We are still in a pandemic with loss of income and jobs. I find this actions irresponsible and careless as is certainly a game for this people to ruin peoples credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Americas Car-Mart, Inc.
State: GA

Complaint narrative:
XX/XX/2020 car was surrendered back to the used car lot bc I didn't have the {$1200.00}. They said it was only going to be XXXX but when I tried to pay that, it wouldn't accept anything but the XXXX. Spoke with XXXX the manager and told her that if I don't have the money the car would come back. The was returned on XX/XX/2020, along with note stating not to be contacted by their company. The have continued to contact me non-stop in a harassing manner 3-4 times a day and showing up at my workplace.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 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: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
On XX/XX/XXXX, PORTFOLIO RECOVERY Opened XX/XX/XXXX add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtor*s creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA ( Collection agency name ) has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 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: TN

Complaint narrative:
XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX I have already disputed these inquiries several times. I called all 3 credit agencies and have not received a resolution that these inquires are mine.

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 2021-01-29 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
The collection is reporting on my credit report as charged-off ( SYNCB/XXXX ) and XXXX XXXX XXXX. I have called the company several times to resolve this said balance of charge off. The company has sold this debt to another company trying to make me pay for debt with an outside source, but they are holding the account. Both companies are trying to collect on a debt that neither has verified that I owe. I have submitted this dispute to the Credit Bureaus to ask for validation of the debt owed and have yet to respond. This is causing me financial distress as I'm not able to resolve this matter. The credit bureaus are not followingthe law to demand proof of debt owed. 



Account Info Account Name SYNCB/XXXX Account Number XXXX Account Type Charge Card Responsibility Individual Date Opened XX/XX/XXXX Status Account charged off. {$1300.00} written off. {$1300.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$1300.00} Balance Updated XX/XX/XXXX Recent Payment $ 0 Monthly Payment {$0.00} XXXX XXXX {$950.00} Highest Balance {$1300.00} Terms NA On Record Until XX/XX/XXXX Account Info Account Name XXXX XXXX XXXX/ XXXX Account Number XXXX Account Type Charge Card Responsibility Individual Date Opened XX/XX/XXXX Status Account charged off. {$1000.00} written off. {$1000.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$1000.00} Balance Updated XX/XX/XXXX Recent Payment $ 0 Monthly Payment {$0.00} Credit Limit - Highest Balance {$1000.00} Terms NA On Record Until XX/XX/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