vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Dispute Numbers provided by Citi : XXXX & XXXX I am writing in response to a credit card dispute case which is being handled by Citi and prolonged for almost 3 months now without any resolution. Hoping to get some help on resolving the issue. 

My case is as below : Myself, US citizen was traveling to XXXX. I came to XXXX on XX/XX/XXXX and the cab driver took me to a restaurant in XXXX, where I was forced to give my credit card even though there was absolutely no service provided. 
The name of the restaurant was in XXXX and hence I could not read. There were 2 charges that was made at the place on the same day on my credit card were {$1400.00} & {$2400.00}. 

Citibank responded to my dispute by sending a sales receipt from the merchant. 

I responded to them saying the sales receipt is totally fake and also my sign was forged. The charges show some amount like {$250.00} for mixed fruit and {$900.00} as some drink. I am pretty sure they do not even have a menu with the amounts. 

Also the receipt shows {$1100.00}, while I was charged {$1400.00} and {$2400.00} on the same day. I sent a reply to Citi asking the merchant to provide explanation for the same? 

This is totally an extortion where in these people are fleecing foreign customers. I had called the Citibank customer service on the same day to inform regarding the fraud committed and to dispute the charges. 

The cab driver who took me to the place was XXXX and his number is : XXXX XXXX XXXX XXXX. The XXXX authorities are trying to nab this person but looks like he has absconded from XXXX. A formal case has been registered with the XXXX authorities. 

I have asked Citibank that the charges immediately withdrawn from my card. The investigation is taking too long and I am not confident if the same will be resolved. I have called the customer service multiple times but not much information is received other than the case is being investigated.

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 2019-09-14 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: Midwest Recovery Systems
State: FL

Complaint narrative:
XX/XX/2019 Midwest Recovery Systems charged me a balance of {$1400.00}. 

I do not know who these people are and what type of company this is. I tried calling there customer service hotline many times but was only able to reach an emergency department. 
I believe this to be a very fraudulent use of my identity and credit report. And I need this issue to be resolved in a quick and timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
A second foreclosure was initiated XX/XX/2019 by XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AS TRUSTEE FOR THE CERTIFICATEHOLDERS OF XXXX , XXXX, XXXX XXXX XXXX XXXX, MORTGAGE PASS THROUGH CERTIFICATES, XXXX XXXX for {$290000.00} plus interest and other expenses. 
This party is not the lender who initiated my loan. I never made payments to it. I have tried to get information showing that it purchased the note and mortgage for money or showing how it obtained a right to foreclose and I have received no response. 
I am aware that the loan was securitized, but the information I have in that regard does not show this party as the owner in the market.

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 2019-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
On XX/XX/XXXX, I tried to apply for a car loan and was told that my credit score was XXXX because of an UNPAID DEBT for a XXXX  XXXX credit card from XXXX. I paid the debt on XX/XX/XXXX. Resurgence collection agency failed to report that I had paid it off to the credit bureau and to the bank that sent the debt to them. It has been 4 years since it has been paid off. They told me they would send me a letter in the mail ( because they don't offer email as a service ) and it would state that I paid off the card in XXXX and that it should no longer be against my score. The letter I received strongly implies that I paid this debt on XX/XX/XXXX and says thank you for your payment. You account is now paid off. If this payment comes back as insufficient funds, your account balance will return to the amount you owe. I asked them to send me a letter giving the date that I paid off my debt and they refused. I ask for a receipt for my transaction with the date that I paid it off and they said they would send in a request and asked if there was anything else they could do for me today so I asked if the request gets denied, could they call me and let me know and she said " no, we don't make outgoing phone calls. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: NC

Complaint narrative:
Six weeks - plus of e-mails, phone communications with representatives and mail asking for the full payment history starting with first payment with explanation of fees, etc., have not been received at this time. 

We are again requesting the complete payment history not a partial as provided before to be sent to us. This delayed response is very confusing as to why it is not more efficiently available on request. 

After all these weeks is it ready? please provide through the cfpb

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 2019-09-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
I possess a XXXX  store credit card from Comenity Bank. On XX/XX/2019 there was a fraudulent purchase made using my card information ( but not my card as I possess same ). I noted this within a matter of days and contacted Comenity Bank to notify them of the unauthorized transaction. The bank closed that account and issued a new card and had me complete paperwork to initiate an investigation. I was informed that I would not be responsible for paying that sum until and unless the investigation was complete and I were found liable. Despite this assurance, I soon received two statements from Comenity Bank, one for the new account, and one for the closed account under fraud investigation. Under the closed account it was stated that I had a minimum payment due of {$32.00} and demanding payment. As I had been informed not to pay this as I was not liable, I telephoned Comenity Bank to question this. I spoke to a representative ( which I audio recorded as my state is a one party consent state ) and questioned why I was having payment demanded of me for an issue still under investigation. I was informed that this was a mistake and that the statement should never have been issued to me. I was informed that payment was not due and I was not to pay it. However, I am now receiving notices from Credit Reporting Bureaus that I am delinquent on this payment. I telephoned Comenity Bank this evening, XX/XX/2019 ( and again recorded the call ) to ask why I was being listed as late in payments when I was specifically told that payment was not due and that I was not to make the payment. Comenity Bank states that I do not owe a payment as the investigation is still pending .... yet they have reported me as being delinquent in payment. I am greatly concerned as I have a credit score of XXXX as I am very careful with my credit and having a late or missed payment on my record is troubling. Especially troubling as, unless I am mistaken, it is unlawful for Comenity Bank to demand payment or list me as late on this payment while it is still under a fraud investigation. If this reflects negatively on my credit I will be seeking full reparations and punitive actions against Comenity Bank as I should not be reported as late or having missed a payment when this issue is under a pending fraud investigation for a purchase I did not make. 
I do not still possess the old account credit card number ... but will provide the new card number later in this complaint for identification purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14 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: Nicholas Financial Inc.
State: FL

Complaint narrative:
Nicholas financial auto loan wont stop appearing on my credit for a debt. that amount was paid off by a gap insurance when the car got total lost in an accident in XX/XX/2016. it was for a XXXX XXXX, the car insurance windhaven paid 90 % of the car debt and the gap insurance covered everything else. they confirmed and sent out letter to clarify. but that company wont stop posting this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
On or about XX/XX/2019, I paid the outstanding balance on my Chase credit card in order to have a zero balance and close the account. Chase accepted the payoff check and even sent me a refund because they said I overpaid. Chase did not send me any new credit cards. I have not used the Chase credit card for at least a year. Chase continued to send me billing statements for charges/services I was not using and did not request. I sent them a payment today XX/XX/2019 under protest in order to stop their system from accruing more illegal interest and charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-14 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX  auto  loan wont stop appearing on my credit for a debt. that amount was paid off by a gap insurance when the car got total lost in an accident in 2016. it was for a XXXX XXXX, the car insurance XXXX  paid 90 % of the car debt and the gap insurance covered everything else. they confirmed and sent out letter to clarify. but that company wont stop posting this.

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 2019-09-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: WLCC
State: WA

Complaint narrative:
On three occasions I have asked them to stop calling me at work because I can not take personal calls. They called on XX/XX/XXXX and when I asked why they were calling me at work, they said its because I only respond when they call me at work. I finally read a supervisor who blamed the repeated called on their autodialer. This is an unlicensed illegal lender in my state.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: WA

Complaint narrative:
This is a follow up to the complaint I stated XXXX/XXXX/2109 with XXXX. I went to pay my mortgage this month with XXXX and was told the loan was sold to Shellpoint. I have not received any paper work on this and understood they need to give you 30 days notice which I did not have,. XXXX states they did not have the correct mailing address and the info was sent back per bad address. Funny ... .XXXX has had no problems over the past 7 years getting info to me and monthly coupon books for payments with info on total and payments on loan..Any way I am the one that reached out to Shellpoint as I had no payment coupons from them or any info and the payment was due ... .I had to make over the phone with rep and recieved confirmation number for the payment which was being taking out of account. Checked mail today and still no info from them that I was sold and yet I had to make payment. No info no info on my loan that was sold ... ..no financial info on my mortgage loan ... ... I feel I should of had info on this ... .contract? It is wrong that client is not informed of this in advance ... ..and has no idea where to turn ... no paperwork on loan transaction ....

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Halsted Financial Services, LLC.
State: TX

Complaint narrative:
XXXX I Filed a complaint against Halsted Financial Services LLC as  they made false statements indicating a refund to myself as this did not happen. According to their reply to CFPB XX/XX/2019 they would cancel and refund, the refund never happened. I NEVER AUTHORIZED THis company to take such fees and they went into my account without my authority and caused checking to be in a overdraft, and numerous fees. They indicated that they would refund all transactions as this is false and they have no proof. Made false accusations of a refund did not happen on either account. See below I couldnt respond in 30 days due to my illness. 

complaint filed by XXXX XXXX against Halsted Financial Services , LLC . Complaints of this nature are very serious and are not taken lightly. Upon reviewing the relevant call recordings we found that the convenience fees applied on the transactions in question were authorized by the consumer, however, due to the nature of the consumers experience with our office we have decided to cancel all future transactions and initiate a refund for all transaction fees already charged to the consumer. Additionally, both accounts in question have been permanently closed in our office. I hope that this addresses the consumers concerns. If I can be of any further assistance, please do not hesitate to contact me directly by phone at ( XXXX ) XXXX or via e-mail at XXXX. Sincerely, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX Halsted Financial Services , LLC email : XXXX PH : ( XXXX ) XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I XXXX XXXX XXXX, have payed off the vehicle loan with Navy Federal Credit Union ( NFCU ) and they have reported to the credit bureaus that I've made late payments. This information is incorrect and they refuse to fix it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14 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: EXPERT GLOBAL SOLUTIONS, INC.
State: CA

Complaint narrative:
I contacted SST and get better understanding off my loan. The loan was originally with XXXX XXXX but they closed down and SST bought the loan. 
I don't understand what's going on with this loan ( ACCT : XXXX ). For the month of XXXX {$250.00} were paid to XXXX XXXX/SST but the customer service representative told me over the phone that only {$100.00} was received. The total payoff for the loan should be less than {$450.00} at the moment but I'm being told that there's a higher amount and I don't have to pay until XXXX. How is this possible? Could you please help understand what is going on. Attached to this email is a copy of Leave and Earning Statement ( LES ) and Allotment information that shows my payments. I believe the interest rate of this loan has raised without my knowledge and agreement. The company is NOT reporting to the Credit Bureaus at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am writing to state that Capital One 's credit card business is purposely trapping consumers with late fees. And they should be required to update their site and billing practices to correct this. 

History of events : 1. Bill was sent with payment due date of XX/XX/XXXX, to the amount of {$7000.00}. ( ok ) 2. Next bill was due XX/XX/XXXX for {$7000.00} + fees and interest totaling {$7100.00}. ( ok ) 3.  Their website site offered the following payment options and info : a ) Last statement balance ( and showed the amount ), b ) Current balance ( and showed the amount ), c ) Minimum payment ( and showed the amount ). 

When I paid {$7100.00} on XX/XX/XXXX, which was the stated total of the bill before the XX/XX/XXXX due data ( and {$0.00} over the amount due ), I expected to have paid in the amount in full, and have a zero balance due. 

However, according to Capital One the " Current balance '' is DIFFERENT FROM what they call the " Pay off balance '', which is the Current balance PLUS unstated additionally charged interest. Having addition interest due on the due date that is beyond the amount noted IN THE BILL is poor credit card business policy ( to the point of sounding questionable legally ). But, MORE importantly, not having this " Pay off balance '' amount clearly stated on the main account page of their website, nor on the payment page, is nothing short of a trap. 

Yes, I should have opened my next bill. But knowing that I paid it in full well ahead of the due date, and then removed that card from my wallet -- I didn't. 

To be clear, when I reached out to them, they did reimburse me for the late fee ... though NOT the late fees applied to the late fees on the unstated interest for the next 3 months.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
this person showed up at my residence looking for my estranged husband. I told her he no longer resided at this address..she then publicly, tactically implied, because we were standing outside, that the vehicle that was parked on my driveway was registered to him. Then asked if I knew of his whereabouts ... how did this stranger know my personal business and is it lawful of her to invade my privacy in public?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14 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: CA

Complaint narrative:
I contacted XXXX and get better understanding off my loan. The loan was originally with XXXX XXXX but they closed down and XXXX bought the loan. 
I don't understand what's going on with this loan ( ACCT : XXXX ). For the month of XX/XX/XXXX {$250.00} were paid to XXXX XXXX/XXXX but the customer service representative told me over the phone that only {$100.00} was received. The total payoff for the loan should be less than {$450.00} at the moment but I'm being told that there's a higher amount and I don't have to pay until XX/XX/XXXX. How is this possible? Could you please help understand what is going on. Attached to this email is a copy of Leave and Earning Statement ( LES ) and Allotment information that shows my payments. I believe the interest rate of this loan has raised without my knowledge and agreement. The company is NOT reporting to the Credit Bureaus at all.

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 2019-09-14 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I contacted XXXX and get better understanding off my loan. The loan was originally with XXXX XXXX but they closed down and XXXX bought the loan. 
I don't understand what's going on with this loan ( ACCT : XXXX ). For the month of XX/XX/XXXX {$250.00} were paid to XXXX XXXX/XXXX but the customer service representative told me over the phone that only {$100.00} was received. The total payoff for the loan should be less than {$450.00} at the moment but I'm being told that there's a higher amount and I don't have to pay until XX/XX/XXXX. How is this possible? Could you please help understand what is going on. Attached to this email is a copy of Leave and Earning Statement ( LES ) and Allotment information that shows my payments. I believe the interest rate of this loan has raised without my knowledge and agreement. The company is NOT reporting to the Credit Bureaus at all.

Company response to consumer: Closed with non-monetary relief