vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-02 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: GA

Complaint narrative:
I made mistake ordering on computer with credit card from 2 different companies which I was charged on XX/XX/XXXX and XX/XX/XXXX and I paid for these XXXX. Then I noticed on my credit card account I was being charged only the amount I could see but could not log in and had not been able to for over a year to get more information. I called but they could not locate my number as they stated but I could call automated and receive all transactions. Even thou I had cancelled on both and had cancelation numbers I was being billed. I then started writing Citi bank dispute center on the XXXX of XXXX and continued to write thru out XXXX I continued to get more statements of purchases that I did not make and of this week and last week I continue to receive. I leave in mailbox and write refuse as always. With ciibank I get a dispute letter stating that I had a dispute of XXXX and with each of my past letters I stated that was the only purchase I made in person and have paid for ... .NONE OF THE OTHERS DID I CONSENT TO!!!! they talked as if on XX/XX/XXXX ( XXXX and XX/XX/XXXX ( XXXX ) credit dispute adjustment in process but charges that I have logged is also XX/XX/XXXX XXXX XXXX ) XX/XX/XXXX XXXX XX/XX/XXXX ( XXXX ) XX/XX/XXXX ( XXXX ) XX/XX/XXXX ( XXXX ) totaling XXXX for XXXX # XXXX I have not received XXXX 's statement so more charges could be tagged on. They did agree to close the card and I appreciate that because I have not used the card except for Downtown in XXXX, ga and I paid that amount! I did not give permission for any of those charges. Please help me get my balance of XXXX again. I pay this card each month when I used it in full until these problems started. Its not fair to ask me to pay for merchandise I do not have or ordered. Have a great week! my case number is XXXX citiibank, n.a.

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 2020-02-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I was working for a company making good money, and had debt, the owner died during the Obama Administration, not the administrations fault, But there was no comparable job for me, once the owner died, I lost my house, car, everything I owned. I own no house. I decided to draw my Social security so not to be a street  person. Now the creditors have sold the debt to blood XXXX  Sharks never stopping. They call nights, days, weekends, Saturday, Sunday mornings, nights, days different numbers from all over the USA on my cell phone My company phone, Letters every week, at first offered me discount now upped the amount above the original. I am not bankrupt, but if I started paying them, I would not be able to pay for rent or buy electricity for my apartment, or purchase food and medicine when needed. I did not authorize them to tamper with my credit they check and lower my score, this is six years after I could not make payments, after everything I owned was gone. Is this the Government of the people for the people, where I have no recourse but live in the streets and send them my Social Security? THIS IS PORTFOLIO RECOVERY ASSOCIATES, LLC. the owner is a XXXX XXXX coming after a retired Senior Citizen. I have worked hard all my life. I can not sleep because of these Vipers. the doctor told me after getting XXXX, that it was due to not resting, and if I didn't want to XXXX  I should rest 8 hours a day. But how can I, they are relentless, evil  bloodhounds never stopping.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-02 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Credit Collections U.S.A., L.L.C.
State: PA

Complaint narrative:
Collection account {$57.00} Collection account {$41.00} Collection Account {$460.00} Collection account {$90.00} Repeatedly calling every day for collection of debt harassing me. Collections disputed for lack of information. Incorrect information causing a negative effect on credit reports. 

Department of XXXX student loan accounts ( 2 ) have been settled closed and transferred to a different company. Reporting agencies will not remove from account even though the original date opened has been ten years. 

Ive tried to fix as many errors as possible and keep accounts in good standing as much as possible. I am currently XXXX from having a XXXX XXXX removed, and have become very frustrated with the tactics that have been used against 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 explanation
Consumer complaint received 2020-02-02 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: Nelnet, Inc.
State: FL

Complaint narrative:
My student loans are currently with NelNet, and currently in deferment until XX/XX/XXXX. It wasn't until I recently pulled my credit report that I discovered over the last few years they have reported me late to the CRA. I contacted NelNet and inquired about the late payment reporting since I was in deferment. They requested documentation that I had in fact requested the deferment. I supplied the request for XXXX, XXXX and XXXX. 

The external customer service department [ XXXX ] informed me that they would not adjust XXXX because it was to late. She also indicated XXXX would require management approval. In regards to XXXX, she called me on XX/XX/XXXX, and told me the request was denied. The reasoning was my email requesting the deferment did not specifically say " YES '', and therefore would not be adjusted. 

I think this is unfair and inaccurately reported and has significantly impacted my credit score to the point I was unable to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-02 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: HOVG, LLC
State: VA

Complaint narrative:
This collection agency is called Bay Area Credit Service. They kept on calling me throughout the year of XXXX and XXXX, even after I set up a payment plan with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CITIBANK, N.A.
State: KY

Complaint narrative:
I signed up for a Best Buy credit card with one of their promotional marketing tactics in XXXX, I never agreed to or enrolled in willingly into the debt protection. Later on, I started to notice charges on my bill that I did not authorize and I contacted the company. I called them on several occasions and was reassured it would be removed. Specifically, I called in XXXX, e-mailed them in XX/XX/XXXX, and other times prior to then. At one point during this time, my card was completely paid off and we decided to re-charge on it for another promotional marketing purchase but I severely regret this decision due to these additional fees and their terrible customer service. 

Now it's XXXX and after e-mails, multiple calls, and attempts they just claim to have canceled the debt protection after I asked multiple times and didn't agree to this in the first place. It has charged me thousands of dollars and I wasn't working part of the year which caused me to get behind on my bills. This has made it impossible for me to pay off or keep up on the balance when they were charging me an additional fee on each statement that I never agreed to. I asked for a refund of all of these fees as that's been part of the huge reason I can't get my bill under control and causing it to be behind and negatively impacting my credit score each month as it's impossible for me to get the past due amount manageable. This month I just got a letter about the cancellation which mentioned no refunds on past fees. Even though on the phone, I asked for a refund and they told me it would be submitted to be looked into for possible refund reimbursement.

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 2020-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: ID Analytics, Inc.
State: NJ

Complaint narrative:
On 2 occasions starting in XX/XX/2019 via Sagestream Website and in XX/XX/2019, via certified mail, I requested that sage stream LLC put a freeze on my credit report and send me confirmation and they have not sent me confirmation. In betwee the time of XXXX XXXX XXXX XXXX have left numerous voice messages in regards to the matter but still no confirmation. 

I submitted the Proper copies and my Photo ID and well as copy of my SS card So for some strange reason Sagestream doesn't seem to want to honor my request. Help and assistance is needs to obtain my security freeze and security PIN

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I went to a bank of america on XXXX XX/XX/2020 to deposit in my business account at XXXX XXXX XXXX XXXX, XXXX, MD XXXX XXXX. I gave her {$4900.00} and the teller says she only received {$4900.00}. At the time, I didn't know what to do and I was in a hurry, but more I think about it, more I think she just pocketed my {$60.00}. This is the first action I am taking.

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 2020-02-02 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: WA

Complaint narrative:
I owe XXXX XXXX  approximately {$100.00}. They reported me to the credit bureau for {$1600.00} under XXXX XXXX Also XXXX XXXX reported me to Experian for a XXXX  bill I am not aware of. I dont know who this XXXX XXXX XXXX company is or where they got my information but they are guilty of 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 non-monetary relief
Consumer complaint received 2020-02-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Bank of America offered a promotion in Summer XX/XX/XXXX for a 0 % interest credit card until XX/XX/XXXX. 

I needed to buy an appliance that was on sale ( {$3500.00} ) and wanted to buy it with the 0 % interest card. I applied for the card in XX/XX/XXXX and was approved. But the card never came. Three weeks passed and still no card. Finally by XX/XX/XXXX, I was forced to buy the appliance on a different ( non-0 %  interest ) credit card because the sale was ending. When I called Bank of America they told me they would have to mail me another card. At this point though the card was useless because the whole point of getting the card was the 0 % interest promotion. I told the customer service rep to just cancel the whole thing and forget that a card had ever been issued. The customer service rep told me that instead I could transfer the {$3500.00} charge and Bank of America would waive the balance transfer fee. ( Effectively giving me a 0 % interest purchase. ) I agreed. 

Imagine my surprised when the month end statement comes and I see that I was charged a {$150.00} balance transfer fee! 

I immediately called Bank of America and told them of the mistake. It took me two calls to resolve the issue and finally two months later on XX/XX/XXXX, I saw the {$150.00} balance transfer fee returned. 

Everything went fine for a couple months. I made payments on time and had no more issues. But this would not be my last run in with Bank of America customer service. 

In XX/XX/XXXX, I went on a trip out of the country. I paid my credit card bill but because of the time difference I messed up when the last payment period was and missed the payment. Payment window closed on XX/XX/XXXX. I immediately made a payment on XX/XX/XXXX and asked if the late fee ( {$39.00} ) could be reversed. 

The customer service rep told me it could not. 

I called two more times ( XX/XX/XXXX ; XX/XX/XXXX ). Finally, I was told that the reason I could not be refunded the {$39.00} was because I had already been refunded {$150.00} from the balance transfer incident. I explained that the balance transfer payment was made in reliance on a claim by Bank of America 's customer service rep and that I was paying for a mistake that Bank of America made! I asked to be redirected to customer retention and to compliance. Neither of those departments made any effort to examine my situation. They only told me that the {$150.00} fee that I was already " credited '' was blocking any " award '' they could give me. I told them this was completely ludicrous since the {$150.00} was charged based on Bank of America 's own mistake! 

I want my {$39.00} back. I wish I had never opened a card with this terrible bank.

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 2020-02-02 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
I have sent documentation to your department, however the problem was misconstrued. I am not having trouble paying the mortgage. I am having trouble with obtaining a partial release in order to sell one property with the proceeds being used to pay down the principle balance. The property to be retained more than supports the balance of the current mortgage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-02 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: APEX Asset Management, LLC
State: NJ

Complaint narrative:
I disputed this account awhile ago but still have not received anything I asked for to prove 100 % verified or validation. So I'm submitting through this site for help. This collection agency has not proved this account is mine. They have not sent me any of the proof I asked for.

*Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally They are saying it is verified but where's my proof? What methods are you using to verify? Now all they did was send me a copy of what I sent them and a letter for me to give my personal information nothing else. With that being said my dispute letter was direct, concise and to the point with account number and reasoning. They are stalling and not following law of the Fair credit reporting act and can be found in violation in fact. You had 30 to 45 days and you sending me a copy of what I sent you is not going to cut it. You have nothing to prove this account is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-02 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: ResidentCollect, Inc.
State: CA

Complaint narrative:
It has come to my attention that the a collection company Innovative Recovery has added a collection that does not belong to me on my XXXX. I have spoken to them directly and they have verified with me that the information they have in file does not match my information given. I have never resided in the State of Texas, therefore it was a mistake from either the Credit Bureau or the collection agency to have wrongfully added it on my XXXX. I have filed a police report and have also opened up multiple disputes with XXXX  that have been a waste of my time as they continue to deny them. I have lots of proof that the account does not belong to me and I have submitted them to XXXX  also. My family of XXXX  will become homeless of this does not clear off my credit. Please help me in any way you can. I have been disputing this as of early XXXX and my lease is already up. It is unfair that innocent people like myself have to suffer from both emotional distress, almost loosing my job, and becoming homeless over a mistake someone else has caused. I am able to submit all the necessary information you may need. Please help me once again to remove and or delete this off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Clarity Services
State: VA

Complaint narrative:
iI CALLED CLARITY SERVICES INC TO DISCUSS WRONG PERSONAL INFORMATION ON MY CREDIT REPORT. THE PERSON WHO I TALK TO PUT ME THROUGH ANOTHER BUT I FELT MY INFORMATION WAS NOT GOING TO GET CORRECT. ON PAGE 6 WHERE IT SHOWS PERSONAL INFORMATION MOST OF THAT IT NOT MY ADDRESS AND I NEVER HAD BEFORE. MY NAME IS XXXX XXXX  XXXX OR XXXX XXXX I DONT GO BY THE NAME XXXX XXXX XXXX WHICH WAS REPORTED BY XX/XX/XXXX. I NEED TO HAVE THIS NAME REMOVE OFF MY CREDIT FILE .HOME ADDRESS XXXX XXXX XXXX XXXX VIRGINIA XXXX XXXX XXXX XXXX XXXX XXXX XXXX VIRGINIA XXXX XXXX XXXX XXXX XXXX VIRGINIA XXXX AND XXXX XXXX  XXXX XXXX VIRGINIA XXXX THESE ADDRESS I DONT USE AT ALL. MY CURRENT ADDRESS IS XXXX XXXX XXXX XXXX XXXX XXXX VIRGINIA XXXX AND BEFORE IT WAS XXXX XXXX XXXX XXXX XXXX XXXX VIRGINIA XXXX WITH THE ADRESS OUT LINE I WANT THEM REMOVE OFF MY FILE. WORK ADDRESS XXXX XXXX XXXX XXXX VIRGINIA NOT MY WORK ADRESS WHICH WAS REPORTED XX/XX/XXXX HOME PHONE NUMBER XXXX XXXX I DONT USE THHESE PHONE NUMBER ANY LONGER AND WOULD LIKE IT TO BE REMOVE DATE OF BIRTH XX/XX/XXXX IS NOT MY DATE OF BIRTH AND I WANT THIS TO BE REMOVED MY CURRENT DATE OF BIRTH IS XX/XX/XXXX THERE ARE TWO PAY DAY LOAN ON MY FILE FROM XXXX XXXX XXXX XXXX WHICH WAS OPEN ON XX/XX/XXXX I HAVE NEVER OPEN ONLINE ACCOUNT BEFORE NOT IN XX/XX/XXXX AND I AM DISPUTING THIS ACCOUNT AND I WANT THIS TO BE REMOVED OFF MY CREDIT FILE

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I was working for a company making good money, and had debt, the owner died during the Obama Administration, not the administrations fault, But there was no comparable job for me, once the owner died, I lost my house, car, everything I owned. I own no house. I decided to draw my Social security so not to be a street person. Now the creditors have sold the debt to blood sucking Sharks never stopping. They call nights, days, weekends, Saturday, Sunday mornings, nights, days different numbers from all over the USA on my cell phone My company phone, Letters every week, at first offered me discount now upped the amount above the original. I am not bankrupt, but if I started paying them, I would not be able to pay for rent or buy electricity for my apartment, or purchase food and medicine when needed. I did not authorize them to tamper with my credit they check and lower my score, this is six years after I could not make payments, after everything I owned was gone. Is this the Government of the people for the people, where I have no recourse but live in the streets and send them my Social Security? THIS IS XXXX XXXX XXXX, XXXX. the owner is a multi XXXX  coming after a retired Senior Citizen. I have worked hard all my life. I can not sleep because of these Vipers. the doctor told me after getting XXXX, that it was due to not resting, and if I didn't want to die I should rest 8 hours a day. But how can I, they are relentless, evil bloodhounds never stopping.

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 2020-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Last year I received a letter on my mailbox and it says : if I open a Chase account I would get a welcome bonus which supposed to be {$300.00}. And then I opened a Chase Account, and I always deposit my checks on that account, but unfortunately I didnt receive any bonus at all. 

They make people open an account by making word games, and even after I open an account, they do not give a welcome bonus, and this is not really fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: GA

Complaint narrative:
Again this debt appears on my 3 credit reports when it was al ready disputed and removed due to inaccuracy and unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-02 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: FL

Complaint narrative:
I did not authorized these following inquiries below : They have been affecting me from getting credit. 

XXXX Inquiry date : XX/XX/XXXX XXXX  XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX  XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX - XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX-XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX   Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX  XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX   Inquiry date : 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