vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-29 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:
When I initially filed the disputes ( both for XXXX  ), I received XXXX emails from Citi saying that they had received my disputes, and both emails had separate case numbers. XXXX was XXXX for {$2000.00} ; however, the other case ID was XXXX for {$2500.00}. 

The merchant responded to the dispute, stating that I had bought XXXXXXXX XXXX XXXX. This is false. I purchased XXXX XXXX XXXX XXXX XXXX They also included an edited video that stated that I was satisfied with my orders. However, the merchant forced me to say that before receiving the items, and also edited the video- this is because in the full video, I say that I have not received my items yet. 

When the merchant responded to the dispute, I received XXXX letters from Citi that both referenced XXXX, when only XXXX letter should have referenced XXXX while the other should have referenced XXXX. Because of this error from Citi, I was only able to respond to XXXX case instead of both, as is my right. It also looks to me like the merchant only responded to XXXX and not both XXXX IDs. So Citi 's reversal of the temporary credit for {$2500.00} was not warranted, as the merchant only responded to XXXX. I would even go so far as to say that because the merchant failed to reply to XXXX, I should be granted a permanent credit for that charge. 

To summarize, I was only given the opportunity to respond to XXXX of my XXXX disputes with XXXX, because Dispute ID XXXX was never mentioned after the initial emails I received that clearly distinguished the XXXX disputes with XXXX different dispute IDs. Instead, I was expected to respond to the same Dispute ID twice. Additionally, the merchant only responded to Dispute ID XXXX and not XXXX. 

I was also asked to provide a credit slip by Citi- I don't have a credit slip because, again, I never received the items. 

Because of how this has been handled thus far, I have no choice but to file my complaint with the CFPB. 

I am attaching the FULL video below where I was coerced to say that I was satisfied with my order, but say that I have not received the orders.

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 2022-12-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: U.S. BANCORP
State: CA

Complaint narrative:
This complaint relates to US Bank account number XXXX. ( co-borrowers XXXX XXXX and XXXX XXXX ). We have had this loan with US bank for approximately 6 months and have never incurred a late payment until we tried to schedule the monthly payments to auto-draft. For the months of XXXX and XXXX we mailed one payment and called in the second payment. Both were made timely even though there were issues receiving the monthly invoices. 

To avoid the issue of receiving the monthly invoices, in XX/XX/2022 I signed the necessary paperwork to allow my bookkeeper to enroll the payments to be auto-drafted. My bookkeeper confirmed that all payments forward would be paid via auto-draft. The same month, XX/XX/2022 my bookkeeper contracted XXXX and has been off work on XXXX thru to date. I am unable to communicate with her about this payment or any other issue. Immediately upon learning that the XXXX and XXXX payments had not been made and confirming with my bank no auto-drafts had been executed, my new bookkeeper made both the XXXX and XXXX payments on XX/XX/2022. Additionally, the new bookkeeper made sure to schedule the payments to auto-draft in XX/XX/2022 and forward thru the term of the loan. My new bookkeeper has confirmed that the XXXX payment did in fact auto-draft on XX/XX/2022 and can see online that the XXXX payment will draft on XX/XX/2022, In the interim, US bank XXXX to the various credit bureaus the late payments for XXXX and XXXX which drastically impacted my credit score. I have never had late payments on any of sorts and my credit score has never dropped this severely.

I think it's unfair of US bank to report me and my partner to the credit bureaus when we were not receiving invoices and trying our best to set-up the payment to auto-draft to avoid the issues we are now facing. 

I can't communicate with my bookkeeper who is out on leave because of health reasons or I would check to see if she had any communications or confirmations in XXXX when she originally tried to schedule the auto draft. 

We were unaware that the account was delinquent until an email was received by our accountant from XXXX XXXX  ( XXXX ) alerting us that the bank offers hardship options. Even two months overdue, we had not received a notice in the mail alerting us that the payments were delinquent. We received the email from the bank on XX/XX/2022 and we paid both delinquent payments on XX/XX/2022.

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 2022-12-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
After disputing a collection account that was being reported in error and noncompliance with Metro 2 on my TransUnion credit report was deleted on XX/XX/XXXX, it was then re-added on XX/XX/XXXX back onto my TransUnion credit report without notification to me beforehand.

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 2022-12-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
In XXXX, 2022, I received a letter in the mail saying that a new Kohl 's card account ( issued by Capital One ) had been opened in name. I have never shopped at Kohl 's nor would I have the need to open a credit card with them. This card was opened fraudulently by someone that I don't know who used my personal information. Whoever opened the card made a fraudulent charge of {$83.00}. On XX/XX/2022 I called Kohl 's, and spoke to their fraud department. I explained that the card was opened fraudulently, and that I did not make those charges. This week I received a Bill from Kohl 's stating that I still have a balance on the card, and they added a {$29.00} late fee and a {$2.00} interest charge. I called Kohl 's again and spoke to someone in the fraud department again. Note that everyone that I spoke to with this company had a non American accent, so I assume that they are using an overseas call center. They told me the the investigation had been closed, and that they had determined that there was no fraud. I asked them to re open the investigation, and do a better job this time. This is very frustrating. It isn't a lot of money. I could just pay it off and ask them to close the account, but it is the principle that makes me want to continue. I feel like I have been violated, and that Kohl 's really doesn't care about me. I'm just an account number to them, and they just want their money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-29 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I sent requests asking Experian to investigate my accounts. It has been over 30 days and the consumer reporting agency is in violation. 

According to 15 USC 1681i - Experian had 30 days to investigate and send me results. 

And they also didnt even record the current status of the disputed information which is another violation. 

They also keep asking for identification that I've already sent to them numerous times, playing games with my requests and causing intentional delay. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
There is a Citicards credit card showing up on my credit report that should not be there. It says that I am an authorized user of this account. I do not have access to this account. I do not have contact with the primary account holder either. I have not spoken to this person since we broke up about 10 years ago. I do not have any contact information for this person either. I tried calling Citi today XX/XX/2022 around XXXX PST and spoke with 2 different agents. Both agents tried to find me and the account multiple ways unsuccessfully. They couldn't find me by my name, my social security number, previous phone numbers, my maiden name, the primary 's full name, the primary 's previous numbers and address, etc. I also gave them all of the information I had on the account that I could see on my credit report. They were still unable to locate me or this account and insisted that it may be a Costco card. I was told that since they can't find me on any accounts, I would have to get the primary card holder to call them to remove me. This is just a giant circle. I can't get in contact with this person as I said before. I haven't had contact with him in almost a decade. How am I supposed to get him to do this? I am stuck in an unending loop and unable to free myself and my credit reports from this account.

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 2022-12-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
For the company to do what is fair and equitable to me as a consumer by deleting the items identified as Identity Theft from my consumer report.

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 2022-12-29 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: EQUIFAX, INC.
State: GA

Complaint narrative:
The inquiries below do not belong to me and were not authorized by me. Please remove these asap. I have included the identity theft reports as well. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I applied for assistance with Texas homeowner assistance Fund on XXXX and they denied my, case # XXXX, it was updated on XX/XX/XXXX. My payment was XXXX and all of a sudden when covid hit, they went up to XXXX in which caused me to experience hardship. I contacted wells fargo to let them know I was going to apply for the XXXX on line on XXXX. they paid only my HOA dues only, everything was submitted and they keep having me to continue sending same infomation for app. I keep submitting what was needed. My second case # I applied was updated XXXX on XXXX. the third case was # XXXX and they said I did not have any delinquency. I updated again on XX/XX/XXXX and after that update they said I can nolonger submit another XXXX XXXX, they were going to investagate. they fedX me some paper on XXXX XXXX to pay XXXX by XXXX XXXX to avoid acceleration. I tried to make a payment of XXXX in which they had on my statement, but when I try to pay it on my account it had XXXX and it would not allow me to pay the XXXX they also had XXXX payment also, I am confused, this is not truth in lending.

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 2022-12-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Amsher Collection Services, Inc.
State: CO

Complaint narrative:
On XX/XX/XXXX I viewed my credit report on XXXX XXXX and was surprised to see an a delinquency reported by Amsher debt collection. The delinquency said it was from XXXX XXXX. I did not receive a phone call nor a letter regarding this debt. On doing some quick searching I discovered they are required to notify me prior to posting a debt to my credit report. 

I called the agency on XX/XX/XXXX to dispute the delinquency and pay whatever was owed in full. I paid and got a receipt, however, when I asked for proof they had notified me they told me they mailed a letter but it was to the incorrect address. The debt originated from a phone bill at XXXX ( which was also never communicated to me because I switched to XXXX ). XXXX had my current address as they had sent bills there when I was a customer. However, when they reported this debt they used the wrong address so I was never notified. 

I explained this to the agency and they claim there is nothing they can do to remove the report to the credit bureaus even though they are aware I was not notified prior.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 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: DISCOVER BANK
State: TX

Complaint narrative:
Someone has been using my personal information to open accounts without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 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: Experian Information Solutions Inc.
State: KS

Complaint narrative:
I called XXXX for addresses that did not belong to me. They mailed a whole report to a incorrect spelling of my name. Several names that were incorrect. One company has 3 different account numbers that do not belong to me. One company has 9 different account numbers that do not belong to 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 2022-12-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: The Receivable Management Services LLC
State: FL

Complaint narrative:
I NO longer had the car and finished payment toward my first I had with progressive all just want to remove this off my credit because I do not have a car and im trying to buy a car next year so I do not want any problems with any insurance

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 2022-12-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: AZ

Complaint narrative:
I tried to dispute an unknown charge of {$620.00}. The account is for XXXX XXXX, they passed in the debt to a collection agency, the name is convergent outsourcing. Entered a dispute, never disputed. Last updated XX/XX/2022.

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 2022-12-29 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: Synovus Bank
State: TX

Complaint narrative:
Someone has been using my personal information to open accounts without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 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: MoneyLion Inc.
State: TX

Complaint narrative:
Someone has been using my personal information to open accounts without my knowledge.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX, I did a dispute with Experian regarding the following accounts and inquiries on my credit report. They very quickly " verified '' these accounts and inquiries as accurate. I was never sent a letter or contacted stating the methods of verification. 
Experian is violating 15 usc 1681 ( a ) ( 4 ) Infringed Upon a Consumers right to privacy by providing negative information on my credit report that is not verifiable. Experian is also violated 15 usc 1681b ( a ) ( 2 ), as they didn't have permissible purpose or my written instruction to put this on my credit report. I'm attaching my license and power bill for identity verification. 

Below are the accounts that I am referring to : XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Below are the inquiries that I am referring to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-12-29 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: FIRST NATIONAL BANK OF OMAHA
State: MA

Complaint narrative:
On XXXX XXXX FIRST NATIONAL BANK OMAHA has accessed my credit report from XXXX. I have never contacted or seek to get any kind of financial product from the company nor have I heard of them before. I have never provided my personal information to any bank or other institution in order to get any financial product at the time nor did I authorize any current business I am dealing with to share my information with them. This was a clear unauthorize use of my credit hence a flagrant violation of my rights.

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 2022-12-29 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Dear TransUnion Pursuant to 1692g, I am requesting the Method of Verification for the following disputed account ( XXXX ) : XXXX XXXX  This is in accordance with the Fair Credit Reporting Act611 ( a ) ( 7 ). This is not a request for a reinvestigation of the previous dispute.

This is rather a request for a Method of Verification where the following items should be provided to ensure the validity of the account ( s ).

Please provide the following items : identity item ( s ) by the name of source, such as creditor or tax court, and identify type of item, such as credit accounts, judgment, etc. 

1. The name of the original creditor 2. The creditors address and telephone number 3. The persons name they verified the dispute with 4. The documentation used to verify the dispute If you are unable to respond in a timely manner and provide the above items, please delete the account from my credit report to prevent further damage. 

Best Regards, XXXX : XXXX XXXX XXXX ] Without Prejudice, All Natural Inalienable Rights Reserved

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 2022-12-29 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I recently singed up to XXXX XXXX to review my credit report and notice a fraudulent account on my report being with XXXX. I mailed in my ftc.gov report to the credit bureau to fix this issue on my account and the account is still being shown

Company response to consumer: Closed with explanation