vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-15 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: MD

Complaint narrative:
On XX/XX/19, an unauthorized charge to XXXX in the amount of {$400.00} was made on my Citi Credit Card account. I reported the charge immediately after it was discovered, closed the compromised account, and received a credit for the {$400.00} on a new account that was opened. On XX/XX/19, I received a letter from Citi stating that the credit would be reversed because the XXXX package was sent to my home address. The XXXX package was delivered to my home address however, I did not purchase the package, nor did I authorize the purchase. I did not return the package to XXXX because I was assured by Citi that I would be credited for the unauthorized purchase, and I did not want to commit fraud by being reimbursed from both Citi and XXXX. Because I was assured by Citi that the dispute would be resolved in my favor, I donated the package to a local food bank. I have not ordered anything from XXXX before or since this dispute and I have not disputed a charge before XX/XX/19. I sent a letter to Citi on XX/XX/19 explaining the situation and the various reasons why a credit card thief might send a package to the victim 's home, but I have not received a response. I simply want {$400.00} credited to my Citi Card account because I did not purchase the XXXX products and I was assured by Citi that I would not be penalized for the unauthorized charge.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I had a Car Loan with XXXX XXXX XXXX with a rate of 3.49 % Then I got an advertising letter from " XXXX  by Ally '' Company, they are broker company working with several creditors, offering me that I got pre-approval for a % 3.36. 

I got interested in the offer and claimed the new rate. On the Phone, the salesperson was so sure that I got the new rate with lower monthly payments. 

During our conversation, I evidently asked the salesperson that the new rate sounds so low, and asked how can it be. The sales person told me about different institutions having different financial situations and it is possible. I also asked about not to get hard credit check inquiries, and even if it is needed, I asked to have only with one. After clarifying those points, I decided to move forward. 

Hours later I got an SMS message from the company " From XXXX : Congratulations! The financial institution has approved your credit application Call XXXX for next steps '' Then I submitted all of my personal information ( SSN, Adress, ID numbers ..etc ) along with my car details ( Model, VIN..etc ) through their web portal as instructed at an approval email notice. 

Two days later, I got a phone from the salesperson, XXXX by Ally Company, and this time he told me that, Actually that credit has not been approved and there is one approved loan for % 4.50, and asked me if I would be interested in that offer!

I was shocked! 
Tried to understand, why did they first approve me and now try to sell a higher rate, but never get any clear answer to that, and they told me that every approval was actually pre-approval, it was not guaranteed. 

Worse than that, when I checked my Credit report with Credit Bureau, I saw that actually, TWO hard inquiries had been done for two different creditors by this broker npt ONE. 
I did never get an answer for why I got an approval message and had been inquired two hard credit checks.

I think they literally used that lower amount to get me in, run my hard inquire for two creditors, the actual approval was for the XXXX XXXX, and DECEIVED me as I got approval for the lower amount. 

I think this is a bait and switch scam. 

I want a complete settlement for this dispute Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I AM A VICTIM OF ID THEFT. PLEASE REMOVE THE LISTED ITEMS ON MY FTC REPORT FROM ALL OF MY CONSUMER REPORTS

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 2019-07-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I used to be an Authorized User on my ex-wife 's Lowes Card, ( Synchrony Financial ) years ago. I was removed as an Authorized User around XXXX of 2017. 

I recently applied for a new mortgage and was advise that this account was still being reported to the credit bureaus. It is reporting that I am still an Authorized User, with a balance and monthly obligation. This was impacting my qualification for a new mortgage, so I called Synchrony Financial to have this corrected. 

Synchrony Financial advised me they were unable to assist me because they no longer show me as an Authorized User in their system. Even though I explained they are reporting to the Credit Bureaus that I am, they were not cooperative in resolving this matter. They offered to provide a letter stating I was not an Authorized User, but would only mail the letter to my ex-wife, and not me. I was told, " We are not able to mail a letter to any other address other than the address on file. '' I stated that I would like to resolves this matter without filing a compliant with the CFPB, and they stated, " I am sorry we are unable to help you. ''

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 2019-07-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I AM A VICTIM OF ID THEFT. PLEASE REMOVE THE LISTED ITEMS ON MY FTC REPORT FROM ALL OF MY CONSUMER REPORTS

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15 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: TX

Complaint narrative:
I AM A VICTIM OF ID THEFT. PLEASE REMOVE THE LISTED ITEMS ON MY FTC REPORT FROM ALL OF MY CONSUMER REPORTS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
I was scammed out of {$260.00} for two concert tickets. 

On XX/XX/XXXX, I was contacted through XXXX in regards to a post that I listed seeking tickets to a concert in XXXX, CO for XX/XX/XXXX & XX/XX/XXXX. 

The scammer stated that he would first send me tickets through the approved venues digital ticket system, XXXX XXXX ( AX ). Once I confirmed that the tickets are in my possession I could send payment through a XXXX app called XXXX. XXXX is linked and approved affiliate with my bank XXXX XXXX XXXX XXXX XXXX 

On XX/XX/XXXX, the scammer sent me the first ticket for the first show on XXXX. This was confirmed through my Flash Seats account and an email from Flash Seats confirmed transfer of ticket to me. After I confirmed, I sent 1 payment for {$130.00} through my bank app XXXX XXXX XXXX XXXX using XXXX, transaction number XXXX. This was repeated for the XXXX ticket for the show on XXXX with another confirmation email from Flash Seats and XXXX transaction number : XXXX. 

First transaction was for {$130.00} for 1 general admission ticket to the XXXX XXXX XXXXXXXX XXXX on XXXX. This transaction is recorded through XXXX and the notes will show " XXXX XXXX GA ( my morning jacket night 1 general admission ) The second transaction soon followed for {$130.00} for 1 general admission ticket to the My Morning Jacket Show on XXXX. This was also recorded under the notes transaction with XXXX as " XXXX XXXX GA ( my morning jacket night 2 general admission ). 

On XX/XX/XXXX, I checked my XXXX seats account and noticed my tickets were no longer there. I contacted them asking what happened and they stated the user account who transferred the tickets was flagged for fraud, so all tickets were recalled. I was never notified of this. Unfortunately, since I did not purchase tickets using their system, I have no recourse. 

I reached out to XXXX that same day. They told me that I need to contact my financial institution since, it was done through them and not XXXX independently. 

On XX/XX/XXXX I filed a dispute/fraud complaint with XXXX XXXX XXXX XXXX. Claim number XXXX. I was told to contact CFPB and the local law enforcement. 

Hopefully this will be fixed through any of the parts listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Federal Credit Control, Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX Notice for Proof of Claim Account : FIRST FED CREDIT CONTROL # XXXX To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation.

The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and MEDICAL-HOSP XXXX XXXX UNIVERSITY that gave you the right to collect this debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: ID Analytics, Inc.
State: AL

Complaint narrative:
I sent via mail and by fax on XXXX XXXX to SageStream LLC that my freeze was to applied. I've yet to receive confirmation or any response for that matter that my request has been done. Thanks in advance

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
OnXX/XX/19, I was written a check for {$630.00} that was deposited via mobile deposit into my account. On XX/XX/XXXX, my bank debited my account by that amount. The check had been subsequently stolen and cashed at a XXXX XXXX. I filed a claim with my Bank of America, # XXXX XXXX ; they said no adjustment was necessary.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15 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: MD

Complaint narrative:
IpaidoffmyXXXXXXXXXXXXcreditcardthatpostedtomyaccountonXX/XX/2019.IcalledXXXXtoinquireaboutthecreditreportingupdateandtheysaidtheyonlyreportonthelastdayofthemonth.

XX/XX/2019Icalledagainasthebalancestilldidnotreflectthepayoff.XXXXstatedthatbecauseIhadpaidmidXXXX,itwaspossiblethatIdidn'tmakethereportingtimebutshouldbeokforXXXXreporting.Isubmitted2disputes,tryingtogetthemtoremovethehighbalanceASAP,asIamtryingtomakealargepurchase(e.g.,Car/home)EarlyXXXX,XXXXXXXXnotifiedmethatmybalancehadchanged.WhenIcheckedit,itshowedmypaymentof{$2400.00},whichhelpedmycreditscoretremendously.

Yesterday,XX/XX/19IgotaXXXXXXXXnotificationthatthe{$2400.00}wasmyXXXXcreditcardbalanceagain.

Today,XX/XX/19IcalledXXXXandspoketoXXXXwhostatedthattheyarereportingaXXXX$balancebutthatthecreditbureaushave30-60daystomakethechanges.Theyalsoprovidedmewithaletterstatingthattheywerereportingthe{$0.00}balance.

IalsocalledEquifaxandtriedtoexplainthesituationandthatthehistoricalbackgroundontheirdisputeresponseshowsthe{$2400.00}paymentonXX/XX/XXXXbutthatnowithasbeenreverted.Theirresponse?Thecompanyconfirmedtousthatthereportingdataisaccurate.NO,ITISNOT.

IkepttellingbothcompaniesthatIshouldnothavetowaitanother30-60daysbecausethereappearstobeaglitchsomewhereandsomeoneneedstolookoutsidethenormalreportingprocess.Otherwisetheywillbothkeeptellingmethesamething,monthaftermonth.IneedthisresolvedASAP.Thisoneinstancedroppedmycreditscore17points!TherepresentativeswereniceandtriedtobehelpfulbutIfeltliketheyknewaprocessandnothingoutsidetheprocesswasanoption.....butthereneedstobeoptionsbecausethisisnotanormalreportinghabit.

Equifaxhassubmittedyetanotherdisputeonmybehalf,whichisnotgoingtohelp.IFXXXXsaysthey'rereportingthe{$0.00}balance,andEquifaxissayingXXXXisreportingthe{$2400.00}balance,somethingisobviouslyincorrectandneedstoberesolvedasap.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15 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: NY

Complaint narrative:
THE DISPUTED ACCOUNT HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THIS ACCOUNT REMOVE OFF MY CREDIT. THE ACCOUNT IS A CLOSED ACCOUNT AND IS STILL REPORTING AS A DEROGATORY. CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE THIS DEROGATORY ACCOUNT REMOVE AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: McCarthy, Burgess & Wolff, Inc.
State: CA

Complaint narrative:
Hello, I received a letter from McCarthy, Burgess and Wolff dated XX/XX/2017 stating that they would settle my past due debt for 90 % off of the full balance. Well that letter went into the mail a few days before XXXX, when most people are on vacation and out of town, so when I arrived back home, the expiration date of XX/XX/XXXX had passed by 1 day and I called to tell them this and they said tough despite only making me this offer over the one time of year when people are least likely to be home, especially someone my age. Then only one month later I received another letter for the same debt collector, but the debt had risen from {$3600.00} to {$5700.00}! How is this even possible in one month? They call me all the time and I've honestly been too scared to answer as Iv'e been using what little money I make to settle up other debts, trying to keep my life together. This debt is also for a school ( XXXX XXXX ) that was shut down by the federal government and lost all funding and credit, so my XXXX Student loans for the whole thing are also under investigation. It seems crazy that I should be forced to pay such outrageous money to an attorneys office for a school that doesn't even exist anymore.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Equifax - need to remove bankruptcy from my account. I sent them everything they needed and I didnt get anything back. 

XXXX. Needs to open my account. They have my mortgage as paid off. Its not I make payments. I sent all the information on another complaint. 

XXXX  Equifax XXXX all show my account closed. 

I cant use the XXXX boost because I have extra security on my bank account because of ID Theft Please help. Im working really hard to settle all of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15 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: CITIBANK, N.A.
State: AZ

Complaint narrative:
I have no account with Home Depot/CBNA. I keep getting credit alerts through my bank that I have a new account ( dated XX/XX/2018 ) and this is incorrect. 
This is damaging 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 explanation
Consumer complaint received 2019-07-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WAKEFIELD & ASSOCIATES, INC.
State: WY

Complaint narrative:
XX/XX/XXXX - Blood draw at clinic in XXXX XX/XX/XXXX - I called XXXX XXXX to request the bill for services be sent Wyoming Worker 's Compensation XXXX Wyoming Worker 's Compensation paid my claim and took their deduction as a participating provider XX/XX/XXXX - My credit score fell 58 points as a result of Wakefield and Associates adding this debt to my credit report XX/XX/XXXX - Filed a dispute, the debt was paid - the item remains on my credit report XX/XX/XXXX - Contact XXXX XXXX - no supervisor on staff, must return my call. Spoke to XXXX. 
XX/XX/XXXX - Contacted XXXX XXXX - no supervisor on staff. Must return my call. 
XX/XX/XXXX - Contacted Wakefield and Associates - stated they would remove Workers Comp charges as it is a violation of collection law. The item remains. 
XX/XX/XXXX - Wy Workers Comp contacted XXXX at XXXX XXXX. She would enter a ticket and have the item removed collections. 
XX/XX/XXXX - Spoke to XXXX. The ticket is in place but has not been worked. Still remains on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15 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:
I have been fighting to fix my credit report, after someone used my identity from a security breach to open up accounts and get loans under my name. I have been battling with all the credit reporting companys to remove these accounts, and improper information on my credit report. I have credit inquires that are still being ran in my name, after I told each credit reporting company and sent proof of me being a victim of Identity theft, and sent a Identity theft report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
On XX/XX/XXXX I wrote the Check # XXXX to XXXX XXXX in Oregon. I did ask the Title Co. for the Check refund on XX/XX/XXXX but they said that they have never receive it. Called Wells Fargo on XX/XX/XXXX. They said, that the Check was cashed on XX/XX/XXXX and canceled my Acc. and opened another one with different #. They said that they will refund my $ XXXX.-. Today I have spend over hour on the phone with one of their department after another, always talked to supervisors but it seems to me that they are not willing to refund my $ XXXX.- at all.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation