vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I noticed on XX/XX/XXXX there was a large charge to my Home Depot Credit Card account. I checked my account online and it said I was charged {$2500.00} in interest on XX/XX/XXXX  I immediately called and spoke to an agent to get this issue explained and resolved as they have a COVID-19 policy in place. The first agent was more than happy to assist saying that with the program there was a two month extension. I asked why I was charged so much and for what. She explained I bought a product during a promotion and the interest rate was 0 % for two years but that it was deferred. I explained that is not how the representative at the store explained the program to me at all. They said I had two years of 0 % and then I would pay interest on my balance thereafter. I was then transferred to a second agent who said she could put me in the program but that in order to get rid of the {$2500.00} interest charge I had to pay {$3400.00}. Then on XX/XX/XXXX, I received an email from Home Depot saying I was enrolled into the COVID-19 program and that any promotions would be extended by two months. I called the customer service line again, the representative said I could not have my promotion extended and to get rid of the {$2500.00} interest charge I had to pay {$3400.00} by XX/XX/XXXX. I asked her if I had been paying on my credit card, over the minimum balance, for two years why did my balance for my promotional purchase not decrease? She said that all my payments went to revolving purchases and interest and none of my two years worth of payments went towards my promotional purchase. Now two years later I owe exactly as much as I did when I purchased the product. I did not enroll into the promotion it was going on when I bought my product and there was never an option to opt out, the representative at the store was misleading and/or misinformed about the promotion, credit services did not put a single payment towards the promotional balance and credit services now refuses to help, even just for two months during a pandemic.

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 2020-05-27 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I contact Experian on XX/XX/2020 to remove a account which not belongs to me, they are is reporting 2 accounts for on creditor and only own one. and the inaccurate-one is reporting negative late on my report which is affecting my financial in a hard way on XXXX of XX/XX/2020 Experian told me that creditor updated my info and experian didn't remove the inaccurate negitive account, i asked representative what proof the creditor had, Experian replied they don't have any proof, i also contact the creditor XX/XX/XXXX on XX/XX/2020 and they confirmed with me their is no 2 accounts i want experian should re-investigate my dispute since creditor didn't proof anything against my dispute.

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 2020-05-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: AES/PHEAA
State: GA

Complaint narrative:
I was shocked when I reviewed my credit report and found 120 days late payment on the dates XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Conduent Incorporated
State: VA

Complaint narrative:
I was basically sent a form to fill out verifying that fraud had taken place and I sent it back asking that they send me an email so I could send them proof of the fraud or a physical business address and they refused.I have all on my pc so nothing I can do to show without an email to send them proof so I gave my email address and asked for theirs yet they wont comply and say they are letting this person keep my money. = ( I have documented proof this package doesnt exist from customs and usps yet this fake vendor suggest it was shiiped.Id also like to say that way to go program never tried to track said package or clearly they would see its fraud too as this package doesnt exist. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
Using my Paypal direct deposit information I apply for my stimulus check from the IRS. The check was deposited on XX/XX/2020. Paypal is still saying they have no knowledge of this transaction but the irs website is showing the mo ey has been deposited..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 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: GA

Complaint narrative:
I pulled my credit report today XX/XX/2020 and noticed that ONE 30 day late payment was erroneously on my credit report from 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 2020-05-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: VA

Complaint narrative:
I am a customer of Freedom Mortgage in loan for a property purchased during my XXXX XXXX service. For the past two months, I have been calling their customer service phone number to ask questions about their hardship program due to the COVID-19 pandemic. Recently, the number the company has listed online on their website is answered by a person saying that I need to provide my personal information so they can give me a gift card, then transfer me to freedom mortgage. After denying to provide my personal information, the person answering the call gave me an 800 number to call that was just a general XXXX XXXX XXXX service provider. Furthermore, today I received a call from the county tax collector where the property is located saying that the mortgage company failed to pay property taxes for the past year, which was supposed to be paid from the escrow. I am in a desperate situation because I am unable to talk to any customer services representative.

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 2020-05-27 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: FL

Complaint narrative:
My credit report shows a collection from XXXX XXXX. In numerous correspondence with XXXX XXXX, they have failed to provide accurate documentation showing that this alleged debt has a valid reason for being reported past 7 years ( debt proof is dated XXXX, which is uploaded here ). The documents state the debt is 13 years old. 
I contacted Transunion and XXXX  and disputed the accuracy of the collection reported by XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX. On both occasions Transunion and XXXX has stated that the debt was verified. However, XXXX XXXX has failed to provide me with documentation to prove the validity of this debt to be less than 7 years old ; therefore it is impossible for Transunion and XXXX to have properly verified the information reported. On XX/XX/XXXX, I uploaded the letter I received from XXXX XXXX to Transunions and XXXX  dispute site and explained that this is the only proof XXXX XXXX has been able to provide regarding this debt which is already 13 years old and I ask them to delete this item from my credit report since their is no valid proof that it is less than 7 years old. Transunion and XXXX sent me a resolution dated XX/XX/XXXX stating that they investigated the information I disputed and it still shows the collection from XXXX XXXX ( report is attached ). At this point the actions of XXXX XXXX and Transunion and XXXX for failing to verify and report accurate information on my credit report is causing me monetary damages as I am unable to get approved for a professional license.

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 2020-05-27 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: NY

Complaint narrative:
I am writing in regards to a collection equifax is reporting from XXXX XXXX XXXX ref # XXXX. I have reached out to XXXX XXXX to find out what this is they said they have no record yet Equifax is still reporting even after asking them to investigate this issue. They have failed to do a reasonable investigation to ensure maximum accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report.XXXX XXXX {$10000.00} XXXX XXXX XXXX {$18000.00} XXXX XXXX {$25000.00} EQUIFAX XXXX {$380.00} EQUIFAX XXXX {$270.00} XXXX XXXX {$1800.00} XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 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: EQUIFAX, INC.
State: OH

Complaint narrative:
Hi, I do not recall these inquiries and request removal or supply supporting document as required by Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. 

I have reached out to all of the companies within this list via certified mail and received no response : XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Please provide any application supporting this inquires.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
A charge was made for the amount of {$3600.00} to my synchrony care credit account for a procedure at my Doctors Office XXXX XXXX on XX/XX/XXXX. But The same amount was charged at a different location called XXXX XXXX XXXX that I did not authorize. I don't know this merchant or have visited their center. I reported this as fraud in XX/XX/XXXX. My account was closed and I received a new card in the mail. As of XX/XX/XXXX they keep closing all my fraud claims report with no reason. I only receive letters saying I authorized the purchase when I clearly have stated countless times that is a fraud charge. I call every week to speak to different representatives who offer no help. I have to keep calling to open countless fraud claims as they keep closing it and never give me a definite answer. 

It has affected my credit tremendously. I have called and sent faxes of the error and my Doctor 's Office XXXX XXXX has spoken with them to confirm they don't know who the other Merchant is. I recently had to open my 6 Fraud claim with Care Credit. This  happened in XXXX and It is XXXX and I have not received any help with this issue, but keep getting charged a high interest rate. On top of the fact that it went over my credit limit. 

They also deleted off my account the statements leading back to XXXX so I am not able to see those transaction unless i request it to be sent to me. I have requested those statement 3 times and I have yet to receive them. Please help as I am not sure what else 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 2020-05-27 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: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
XX/XX/2020 I was recharged on my credit card for a service I did not receive. 

Chase bank did not inform me about my dispute being rejected until after the time frame of responding back was over. 

Previous employees I spoke to on the phone told me I was fine and they would update me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 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: MO

Complaint narrative:
The following accounts on my credit files does not match the authenticated accounts known to me. These particular accounts possibly derived from my information being stolen. Mentally and emotionally this has destroyed my sanity All I'm asking for the 3 major credit reporting agencies to remove and block these unknown frivolous accounts. 

1 ) XXXX  XXXX  {$590.00} 2 ) XXXX XXXX XXXX {$790.00} 3 ) XXXX XXXX XXXX {$610.00} 4 ) XXXX XXXX XXXX {$160.00} 5 ) XXXX  XXXX  XXXX {$70.00} 6 )  XXXX XXXX XXXX {$99.00} 7 ) Dept of ED/XXXX   {$31000.00} 8 ) XXXX/ XXXX 9 ) XXXX 10 ) XXXX  {$500.00} 11 ) XXXX XXXX XXXX  12 ) XXXX  XXXX XXXX XXXX   {$21000.00}

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 2020-05-27 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo allowed fraudsters to open up an account which we wired money to after our title company was hacked ( $ XXXX ). We were able to stop the transaction with the help of the FBI and local PD and recover the money, however Wells Fargo has not released our funds and will not give us an answer as to when our funds will be returned to our account ( with XXXX XXXX ). It has been over a week, and we are going to now lose our home along with the $ XXXX deposit we have placed. We have made numerous phone calls to Wells Fargo and have transferred to a different department everytime who is supposed to be handling this case. We have case number, however no one seems to be able to answer when our funds will be returned, and blame XXXX for the delay. We have spoken to XXXX, who has been able to show us the things that have been sent to Wells Fargo per Wells Fargo request. For all intents and purposes, Wells Fargo is holding our money " hostage ''. We need help, and no one seems to be able to help us

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 2020-05-27 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: LEXISNEXIS
State: IL

Complaint narrative:
We were billed erroneously by LexisNexis in XX/XX/XXXX. Pursuant to our service agreement I sent notification in XXXX XXXX that we would be ending our service as of XX/XX/XXXX. When we were billed in XXXX of XXXX I tried to explain that we should not have been billed because we canceled our services. LexisNexis assured me that this was taken care of but for reasons unknown to me the account was moved to XXXX XXXX XXXX, a collection agency. They are trying to collect {$1800.00} and I asked them validate the debt. They sent the XXXX and XXXX invoices in an attempt to collect the wrong amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Old information reappearing

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 2020-05-27 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
This debt is apart of class action suit against Santander and another company has bought their paper at pennies on the dollar. 

I was sold a lemon from the dealership and Santander didn't care about it. I was making my payments on time until I began having major problems with my car. 

They showed on my credit report that all but 1 payment was on time and have continued to harass me all these years since 2016. 

Here are a few suits in the process : https : XXXX? XXXX https : //www.lawyersandsettlements.com/lawsuit/santander-faces-class-action-lawsuit-over-fair-debt.html Here is another lawsuit : XXXX : XXXX Now this new company : XXXX XXXX XXXX is doing the same thing and has reported a debt that was original with Santander Consumer USA. 

I never received anything from XXXX XXXX XXXX regarding their purchase of the note at a discount. They are a Factoring Company that buys bad debt in bulk and harass consumers for full payment amount when debt has already been discharged.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
One of my check was being stolen from the recipient and somebody else cashed the check of XXXX US Dollars in XX/XX/2019. I contacted Chase bank over 4 times and send back the form they requited 3 times, and they claimed they never receive it and asked me to send again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 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: NC

Complaint narrative:
I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my reportXXXX XXXX {$10000.00} XXXX XXXX   XXXX {$18000.00} XXXX XXXX {$25000.00} XXXX  XXXX {$380.00} XXXX  XXXX {$270.00} XXXX XXXX {$1800.00} 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 2020-05-27 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: NC

Complaint narrative:
I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report.XXXX  XXXX {$10000.00} XXXX XXXX   XXXX {$18000.00} XXXX  XXXX {$25000.00} XXXX  XXXX {$380.00} XXXX  XXXX {$270.00} XXXX XXXX {$1800.00} 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