vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I made a XXXX transaction, paying someone, and XXXX informed me of a 3 % transaction fee for using my credit card on XX/XX/2020. I do not dispute that charge for a total of {$250.00}. 
However - unknown to me - Citi Cards considers XXXX transactions to be a Cash Advance. In addition they charge interest on Cash Advances " that are not paid immediately '' even when the consumer does not know they existed. 
As I just learned today, XX/XX/XXXX, on XX/XX/XXXX Citi posted a Cash Advance fee of {$12.00} as a percent of the XXXX transaction, and IN ADDITION, interest at a usorious rate of {$0.00} also posted on XX/XX/XXXX because ( per my phone call with their rep ) I had " not immediately paid the cash advance ''. 
I note further, that my Citi credit card bill was paid up in full prior to the current month. 
I called Citi today and they said " that is a known issue with XXXX ''. However Citi refuses to remove these charges. 
Furthermore, I have a concern that they will report my " getting a cash advance '' ( no cash was ever involved ) and that this has adverse implications for my credit score.

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 2020-07-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
The follow accounts has caused me financial ruin. 
XXXX XXXX XXXX {$690.00} XX/XX/2018 XXXX {$2500.00} XX/XX/2018 XXXX XXXX {$0.00} XX/XX/2018 XXXX  {$0.00} XX/XX/2018 XXXX XXXX XXXX   {$0.00} XX/XX/2018

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 2020-07-12 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: VW Credit
State: TX

Complaint narrative:
Volkswagen Ancira ran 4 separate credit checks in one day, I only gave permission for the first one. All 4 inquires were on XX/XX/2019. The names were XXXX Volks 2x, Vw Credit, and Vw XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
The follow accounts has caused me financial ruin. 
Capital One Bank {$690.00} XX/XX/2018 XXXX {$2500.00} XX/XX/2018 XXXX XXXX {$0.00} XX/XX/2018 XXXX {$0.00} XX/XX/2018 XXXX XXXX XXXX {$0.00} XX/XX/2018

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-12 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: EQUIFAX, INC.
State: FL

Complaint narrative:
incorrect info on my account. 

1.XXXX { car Loan } shows a late payment in XX/XX/2020 i am in deferment due to covid-19. so i wont have a late payment on my account. This is incorrect info and has dropped my credit score. 
2. XXXX XXXX. account is current. same info. covid-19 deferment XX/XX/2020 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
incorrect info on my account. 

XXXX { car Loan } shows a late payment in XX/XX/2020 i am in deferment due to covid-19. so i wont have a late payment on my account. This is incorrect info and has dropped my credit score. 
2. XXXX XXXX. account is current. same info. covid-19 deferment XX/XX/2020 2020

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 2020-07-12 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: CO

Complaint narrative:
I received my US Bank Reliacard ( for unemployment benefits ). I activated it, the card worked for several transactions, then stopped working on XX/XX/2020. I have money on the card that I can not access. When I logged on to my account, I found that the account features ( such as bill pay ) went away. I call the number on the card for customer service but can not get through to anyone. I tried to reset my pin via customer service call ; the initial recording says " you can only reset your pin through the automated phone system '' but the automated system does not offer an option for a pin reset.

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 2020-07-12 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: AR

Complaint narrative:
I sent multiple credit disputes with these companies, asking them to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission, with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus must abide by, based on their lack of responding in the time frame, and their investigation results they have not abided by these laws.

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 2020-07-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
My card was closed without notice. and I have XXXX points that is now in limbo. I would like to get paid out at 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 2020-07-12 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: TX

Complaint narrative:
I have not received any confirmation on how you have verified the alleged accounts attached in Exhibit C and therefore request that you consider this a final notice to your officers. Past this point, The CFPB will have authenticated sworn testimony from my end, which I would gladly present in court, if need be as evidence of my trying to rectify the subterfuge that you are reporting. ( copy from the Affidavit attached ) ************

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have not received any confirmation on how you have verified the alleged accounts attached in Exhibit C and therefore request that you consider this a final notice to your officers. Past this point, The CFPB will have authenticated sworn testimony from my end, which I would gladly present in court, if need be as evidence of my trying to rectify the subterfuge that you are reporting. ( copy from the Affidavit attached ) ************

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 2020-07-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
Calls for multiple numbers from different area codes. They never identify themselves until you asked them in the middle of the call. I communicated with them through via certified mail in XX/XX/XXXX XX/XX/XXXX of 2020. They called me instead of written form of communication. I never got a reply back from my certified letters. I sent two certified letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: GA

Complaint narrative:
According to my credit report, I have an account with JEFFERSON CAPITAL SYSTEMS XXXX. I am very confused about how I ended up with not only an unauthorized soft inquiry, but also a debt of {$980.00} that I somehow owe to JEFFERSON CAPITAL SYSTEMS even though I've never done business with them. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Credit Bureaus are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts that they post on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account. 
I do not, nor have I ever held an account with JEFFERSON CAPITAL SYSTEMS. I have never signed any kind of physical agreement to pay this amount to JEFFERSON CAPITAL SYSTEMS, nor has the  debt been verified on my credit report. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) that all three bureaus have on file of the accounts listed above because their failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if the bureaus ( along with collection agencies ) are unable to provide me a copy of verifiable proof, they must remove the accounts listed above. I demand the following accounts be verified or removed from all three bureaus immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
I have not received any confirmation on how you have verified the alleged accounts attached in Exhibit C and therefore request that you consider this a final notice to your officers. Past this point, The CFPB will have authenticated sworn testimony from my end, which I would gladly present in court, if need be as evidence of my trying to rectify the subterfuge that you are reporting. 

I have not received confirmation nor certified testimony that your officers complied with the FCRA and all its mandated rules, when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the alleged accounts presented in Exhibit C are in fact complaint and not subterfuge? As a result, I`m willing to settle this debt immediately at 80 % per the total balance. ( copy from the Affidavit attached ) ************

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 2020-07-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
This complain is about the dating service XXXX XXXX XXXX i just moved to XXXX from XXXX, I am single I wanted to start dating. I saw this dating service on a magazine on XXXX XXXX. 

I called inquire, I was told they will provide me with in person dates with all the qualities I was looking for. 

12 dates - 6months. I agree to pay. {$3200.00} on XX/XX/2020 Starting match the next month. Covid happens things shut down and as a XXXX XXXX I told the dating service this was a terrible time and I will Like to cancel my services. 

I was completely told I wont get my money back. I reach to my bank, to see what can be done to help me get my money back. But since it was during the Covid the response time was so long, so I reach out to the dating service again in fear that I wont be able to get my money back and was set up for an alternative video date with someone who doesnt live in XXXX in which one of my 12 dates was to be someone who lives in XXXX. It was always to be in person and not video. 

I was completely dissatisfied with their service. Chase bank reach out to them and they still denied to reimburse my credit card. 

I was completely taken advantage of by this dating service and I looks like I cant even get the help I need. My 6 months expires in a month and with that said I will be left to pay {$3200.00} for the worst service in my life. 

I will like you to please take a look into this. Chase bank have tried all they can. I still have the charges on my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: MN

Complaint narrative:
to whom it may concern : you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. 
Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: American Accounts & Advisers, Inc.
State: MN

Complaint narrative:
you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. 
Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12 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: MI

Complaint narrative:
On XX/XX/XXXX, we purchased a 5 Day XXXX XXXX package through Costco Travel using our Citibank Costco Visa credit card for {$1700.00}. At that same time three other members of our family ( 2 sisters and one brother ) purchased the same cruise package using Citibank Visa credit cards. 

On XX/XX/XXXX, all four parties cancelled the cruise packages due to COVID-19 - at the strong recommendation of the US State Dept. At that time, Costco Travel indicated that our only options were to take a cruise credit or get on the ship. No full refunds were being given. 

On XX/XX/XXXX, we initiated a dispute with Citibank Visa for the cruise charge and subsequently my siblings disputed their charges using the same rationale/documentation. 

On XX/XX/XXXX, XXXX XXXX XXXX cancelled our scheduled 5 Day Cruise due to COVID-19. 

On XX/XX/XXXX, one sister and brother-in-law were notified that their dispute was resolved in their favor and their conditional credit was made permanent. 
On XX/XX/XXXX, we were notified that our dispute was resolved in favor of the merchant and our conditional credit was rescinded. 
On XX/XX/XXXX, my brother and sister-in-law ( who had paid for an additional sister ) were notified that their disputes were resolved in their favor and their conditional credit was made permanent. 

Clearly, the Citibank dispute team is NOT treating everyone equally! 
This UNFAIR/UNEQUAL TREATMENT is unethical and unjust! We have called Citibank to resolve this on numerous occasions ( spoken to at least 4 supervisors in the Citibank Dispute Center ). No one from Citibank has offered an explanation as to why three of the four siblings received full refunds ( one before us and then two after us ) yet we are being denied! Why are we being singled out in this matter? We fully expect the same resolution afforded to my 3 siblings!

I have attached two letters from Citibank ; one indicating the full refund to my sister on XX/XX/XXXX and one indicating no refund to us on XX/XX/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 2020-07-12 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: TN

Complaint narrative:
Despite my three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In the results of your re-investigations, you stated in writing that you verified that these items are being reported correctly? You still have not identified Who in your company verified the accuracy of these accounts or how they verified them?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12 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: AR

Complaint narrative:
I sent multiple credit disputes with these companies, asking them to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission, with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus must abide by, based on their lack of responding in the time frame, and their investigation results they have not abided by these laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I sent multiple credit disputes with these companies, asking them to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission, with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus must abide by, based on their lack of responding in the time frame, and their investigation results they have not abided by these laws.

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 2020-07-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
Hello, I originally mailed my credit dispute letters to XXXX, XXXX, & XXXX  on XX/XX/XXXX. 

I am disputing the following items with the alleged amounts below : 1 ) AD ASTRA RECOVERY SERVIC - {$2200.00} - XXXX XXXX 2 ) XXXX XXXX XXXX- {$200.00} - XXXX XXXX 3 ) XXXX/ XXXX  XXXX  XXXX XXXX {$220.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} - XXXX XXXX My dispute letter contained the following details : To Whom It May Concern : Upon checking my credit report, it has been notified that there are negative and inaccurate  information shown. I have no knowledge of these accounts. 

Please validate this information and provide me with copies of any documentation associated with this account, bearing my signature, validating claimed debt by proof of your legal right to collect, an accurate accounting of the amount, identity verification such as ID, Social Security card, voice recording and a copy of the original account agreement or a signed copy of your original contract. 

If this verification documentation can not be provided I would kindly like for this information to be deleted off my consumer credit report. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section, and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$3000.00} per violation for : Violations of the Fair Credit Reporting Act ( FCRA ), Violation of the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with explanation