vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
1 ) On XX/XX/XXXX I made an agreement with XXXX XXXX ( XXXX XXXX ) to settle my debt for 60 % of the total owed, which equaled {$1400.00}. 
2 ) Payment was made by certified check through the closing company that settled my mortgage. They required me to negotiate this debt in order to provide financing. 
3 ) On XX/XX/XXXX I emailed XXXX to see if my payment had been received and applied to my account. 
4 ) On XX/XX/XXXX XXXX replied to my email, stating that my account had been transferred back to Resurgent / LVNV. In addition, she told me to contact them regarding the matter that I had already made an agreement on. 
5 ) On XX/XX/XXXX I decided to make an online account with LVNV, in order to see the status of my account. Right under account details it showed my payment in the amount of {$1400.00} was posted in XX/XX/XXXX. 

I have clearly proven I met my end of this obligation and that both companies have lied to me and refused to remove this incorrect information from my credit report. In addition, I have filed complaints with all three major reporting agencies, all of which said they investigated my complaint and that the debt was valid. 

Please help me in regards to this matter. I have attached all of the evidence I have. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Toda7 XXXX i received an alert that the results of my investigation were ready. When I reviewed the results of the investigation it showed the account as paid rather than removed as requested. This was a medical debt that was paid. I provided proof of the paid medical debt and the case law instructing them to remove the debt from my credit file. I called and spoke to a rep by the name of XXXX employee XXXX and he told me that he did not need to look at my dispute and that the item would not be removed even though I cited the case law to him twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WAKEFIELD & ASSOCIATES, INC.
State: MO

Complaint narrative:
I have tried with several disputes about the balance that is incorrect. They are constantly changing the amount due on this account. I have two different amounts they state that I owe. My balance states {$540.00} but the amount owed is {$550.00}. 
The collection agency is Wakefield but there is no account number or address listed in the credit report to contact and I have no correspondence from them. The original creditor is XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
I have been receiving calls and messages about a debt that I do not believe is accurate. I have asked numerous times for proof that the debt is mine or any history regarding the debt. 

I have been met with threats to sue. 

I have called them and spoke about this asking for information regarding the debt and was bullied into just " making a payment now to avoid going to court. '' I just want to make sure that I am not being scammed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX These Inquires were falsely advertised as soft inquires and was not given consent to conduct hard pull

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 2021-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
On XX/XX/27 I recieved notification from XXXX that my credit report was pulled by Syncheony Bank. I did not provide authorization for them to access my credit report. I gave them my last 4 digits of my SSN but at no point anywhere did it mention that thwy would be accessing my credit report history. Please remove this inquiry from my credit 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 2021-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
On XX/XX/XXXX I ordered 24 Sweatsuits, 24 T-Shirts , 24 Beanies, & 24 Ski Masks from XXXX  XXXX  XXXX The production was scheduled to be completed in 14-21 business days. I was told that Id be notified once my order shipped out. I reached out to XXXX XXXX on XX/XX/XXXX to inquire on when I could expect delivery and they emailed me back on XXXX XXXX representative said he reviewed my order and it was scheduled to ship out by the following week. I didnt hear back from them so I emailed again on XX/XX/XXXX to which they didnt respond. 

On XX/XX/XXXX Posh Union sent out an email stating that due to COVID-19 they were unable to fulfill orders and take on new customers. The email also stated that they were issuing refunds or you could wait to have your order fulfilled. If the customer couldnt wait for XXXX XXXX to issue a refund they urged them to file a claim with their bank but I wanted to see if getting my merchandise was still a viable option so I waited. I never received my merchandise and never heard from anyone at XXXX XXXX since. They had an automated email reply, their website was no longer working, and they are unresponsive on XXXX. 

I filed a dispute with Citi Bank 3 times in order to get my funds back but they only returned the {$100.00} I paid to have the custom neck labels done. Each time they said they couldn't help me with my dispute. I have been left without products and now my account is- {$1600.00} because of the banks decision to not refund me for the products I never received.

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 2021-09-27 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: MI

Complaint narrative:
Hi, I am writing this complaint because I reviewed my credit report recently with my banker and it looks like i have a few accounts that either the balances are incorrect or i have no idea what they are. I requested an investigation from the credit bureaus ( XXXX, XXXX and experian ) I haven't heard anything. 

I sent a letter to all 3 bureaus on the following dates : XX/XX/2021 XX/XX/2021 XX/XX/2021

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 2021-09-27 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: PA

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The inquiry listed below is still reporting on my Credit Report and needs to delete immediately : XXXX XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
Requested Navy Federal Credit Union to put a stop payment on a merchant that got access to my personal account details to collect on a payment for my XXXX. 

The first request was submitted on XX/XX/XXXX and I was told that I needed a check range although it was an ACH transaction. I was told to call. 

On XX/XX/XXXX I contacted NFCU again and spoke with a rep named XXXX she told me that they could do the stop payment but it was a {$20.00} fee. My account was negative due to credits being removed for stimulus payments. They have begun taking back the credits to give you access to the entire amount per the IRS. I was told that they couldn't put the stop payment on until my account was positive. The problem that I have is that they caused the negativity. I get regular direct deposits and they can see them before they release them. I could have {$180.00} taken because they won't place the stop payment and allow my pending deposit to cover it. But instead this company could get that money and then I am out of my money until they get it back. This a private business matter regarding my XXXX and this isn't a business account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX  XXXX XXXX $ XXXX-Date Opened : XX/XX/XXXX XXXX XXXX XXXX  XXXX-Balance {$1400.00} XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX  ) XXXX-Balance {$170.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) -XXXX-Balance {$100.00} XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX ) -XXXX-Balance {$100.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) -XXXX-Balance {$210.00} XXXX XXXX-Balance {$1200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I have fallen victim to a widely reported scam targeting Bank of America customers using the XXXX money transfer service. {$3100.00} was stolen from me. The scammers were impersonating Bank of America customer service, spoofed the BOA 1-800 Customer Service number XXXX and knew various account details with BOA. 

Upon reporting the scam to Bank of America I was a asked to submit a variety of paperwork and file a police report. I was able to also provide the scammers bank, last 4 digits of the account number, and first name the checking account was registered under. I complied with all of the requests made by BOA. 

The case investigating this claim was then shortly closed, and I was advised to contact the recipient of the stolen funds ( I.E. the scammers ). 

Neither the police, Bank of America, or XXXX XXXX XXXX XXXX have helped me resolve this issue. The fraudsters also tried to use my identity to register for benefits using through California EDD via the " ID ME '' app. No one from the California EDD office has returned my calls or e-mails.

Recently I was contacted by BOA notifying me that I was being kicked off of XXXX for violating the Terms Of Service, but they would not specify what rule I had in fact violated. The terms do however specify that you can be kicked off the platform if you fall victim to this type of scam.

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 2021-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax and XXXX are in violation of my consumer rights by reporting fraudulent inquiries/address on my credit report. Below are the fraudulent inquiries and address that are being finished on my credit file : 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 response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: UPGRADE, INC.
State: FL

Complaint narrative:
XX/XX/2021 pre approved for {$20000.00} of credit from Upgrade. No outstanding documents are required. 

I called as the email suggested. The Upgrade service representative asked me for additional information including my tax returns. 

I declined as the represented pre approval with the credit checks they performed and asked that my application be withdrawn. I was told it would be. I sent a note to the service email address the same day, XX/XX/2021. 

XX/XX/2021 I received another notice asking that I call Upgrade as I am pre qualified for a personal loan. I sent my third note asking that my name be unsubscribed and again asking that my application be withdrawn, thinking the matter was closed. 

XX/XX/2021 I received a notice from Upgrade saying my request could not be approved at this time. 

What kind of nonsense is this? Its not factual. Its not appropriate or consistent for the offerer to play pretend that I withdrew my application 4 weeks ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Carvana Group, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX carvana received a transfer Cash Down Payment {$26000.00} Total Down Payment {$26000.00} Balance Due {$0.00} TOTAL BALANCE DUE {$0.00} for a XXXX XXXX XXXX XXXX XXXX # XXXX DocuSign Envelope ID : XXXX I provided bank statements to verify account, and also the transfer, Carvana has choosen to keep my currency they received and the vehicle they have no evidence of a refund initiated, as account is restricted to mostly transfers, and investments, I also had micro deposits I did not authorize remove from my account, I choose to keep my account information by private as possible providing statements, Carvana claims they need more information, I have provided all the necessary information I plan to provide for this transaction and is by Law verified, this theft/scam is in fill violation of my rights and because of amounts hardly ever receive a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Rosebud Economic Development Corporation
State: NV

Complaint narrative:
I signed an agreement that I would be able to manually make the payments from an account of my choice. I also confirmed this with a Big Star Credit agent on their recorded line. I was assured that payments wouldn't deduct from my account automatically since I checked the box on my contract that said I would manually make the payments ( found at bottom of page 6/ top of page 7 in the attached agreement ). Despite my contractual agreement acknowledging that payments would not automatically deduct, a payment was charged to the account I specifically asked for it to not be charged to. This is misrepresentation and I would have never agreed to the terms of the loan.

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 2021-09-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
19 fraudulent charges were made against my Citibank credit card on XXXX for XXXX ride-sharing services. I called Citibank on XXXX to dispute the charges and they cancelled my credit card over the phone. After two months, Citibank confirmed 16 of the 19 charges were fraudulent, but said the dispute I filed for the last three charges was denied and they determined I was responsible for the charges. I called again on XX/XX/XXXX to re-dispute the last three fraudulent charges that occurred on XXXX. The person I spoke to told me to email evidence I may have to support the claim that these were fraudulent charges to their security department at " XXXX '' and to write in the subject line " Attention : XXXX XXXX - Fraud Dispute for XXXX XXXX '', which I did. I sent screenshots of my XXXX history which shows I never used their service on XXXX and I sent screenshots of my other credit card transaction history, showing I was in a different state when the fraudulent charges took place. I never heard back from Citibank. I sent a follow-up email on XXXX to the same address asking for them to confirm they received my email on XX/XX/XXXX, but received no response from Citibank. I sent another follow-up email on XX/XX/XXXX to the same address, again, asking for them to confirm they received my prior two emails, but Citi did not send a response. 
I called Citibank on XX/XX/XXXX, spoke with a representative who told me they would credit my account for the last three fraudulent charges that took place on XXXX and the credit would affect my account in two business days. No credit was issued to my account by XX/XX/XXXX, so I called Citibank again. After being hung up on multiple times, I finally reached a stable representative. I asked about my dispute and that person said my dispute was denied ( again ) and she said that they never received my emails with the supporting evidence, showing the charges were fraudulent. I insisted that I sent them, she put me on hold, came back 5 minutes later and said they received my email on XXXX, but didn't receive the other emails I sent them. She said she could re-dispute the charges, but it would take at least 1-2 billing cycles to determine if the charges were fraudulent. 
I have been waiting almost four months for these fraudulent charges to be credited to my account, I've spent hours on the phone with Citibank, and I continue to reach people who barely speak English or simply hang up on me in the middle of the call. Is there any way someone at these offices can help me get my money back from Citibank?

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 2021-09-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Bureaus, Inc.
State: TX

Complaint narrative:
THE BUREAUS at XXXX XXXX XXXX # XXXX, XXXX, IL XXXX has been sending me collections notices in the amount of {$6600.00} the collection has been reported as past due. I DO NOT know this company. I have never done any business with this company. This company DOES NOT have a contract with my signature.

Company response to consumer: Closed with explanation