vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Midland Credit Management : I recently received extra money to pay off outstanding debts. I went to the collection company website, found the information I wanted to pay off. The amount on the debt was {$700.00}, it showed a settlement offer of {$410.00}. On XX/XX/2020 I paid the {$410.00}. 5 days later nothing was posted to my bank account. I sent a message asking why the payment is delayed, says on the website it can take up to 1-2 business days. XX/XX/XXXX is 3 business days, XX/XX/XXXX would be 4.  Nothing changed no response from the company. 8 days later XX/XX/XXXX I called and spoke with XXXX was speaking to me from XXXX. XXXX first said the payment was returned NSF, after explaining how I was currently looking at my bank account, it has no record of the NSF. XXXX then proceeded to explain that before I could pay the settlement offer I had to decline my dispute on the 2 other accounts, these accounts are over 10 years old, I  said this account that I agreed to pay has nothing to do with the other accounts. I said your company offered me a settlement I accepted this offer. XXXX again explains he can not help me until I agree to remove my dispute, I said is form of blackmail and fraud to offer a settlement then not agree with it. XXXX hung up on me. I then proceeded to call my bank, asked them if any charges from XX/XX/2020 to XX/XX/2020 were returned for NSF, they had no record of any transactions with a dollar amount higher than {$400.00} was attempted. At no point did this company attempt to pay the settlement offer. During the phone with XXXX, I asked can you send me the information showing the was NSF, said he could not do that it was against company policy, that I would be sent a letter with 7-10 business days, nothing showing this information has come in the mail. I sent 2 emails, asking for them to accept the settlement offer that I agreed to pay. Nothing no response. As of this day XX/XX/2020 no information has been sent, no payments have been attempted. When I go back online and look at the account, its blocked out for me to pay, it also shows the same day I paid XX/XX/2020, they declined the amount of {$410.00}. This company should not have settlement offers listed if they are not willing to comply with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24 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 — Card was charged for something you did not purchase with the card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
See attatched XX/XX/XXXX XXXX TRANSACTIONS. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX. see attatched XX/XX/XXXX XXXX TRANSACTIONS ALL XX/XX/XXXX DUPLICATE XXXX CHARGES OF XXXX XXXX. WHO USED MY DATA FROM XXXX TO CHARGE MY ACCOUNT XXXX? Why DOES USAA REFUSE TO ADMIT DUPLICATE CHARGES? Why HASN'T USAA PROVIDED CREDITS FOR DUPLICATE XXXX CHARGES OF XX/XX/XXXX AND XX/XX/XXXX?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24 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: CA

Complaint narrative:
- XX/XX/XXXX, We purchased items in XXXX. We found the charge receipt was blank. We expected a charge of approximately {$200.00}. 
- XX/XX/XXXX, XXXX statement showed a charge of {$3500.00}. We opened a dispute with Citi Costco card via their website. In our dispute letter, we explained that the XXXX dirham was incorrect and could not have been more than XXXX and supplied a list of items purchased. This letter was transmitted via the Citi website. 
- XX/XX/XXXX, after periodically checking the Citi website for a response or progress on the dispute, we found an update from Citi explaining that the dispute had been resolved in the merchants favor due to us not responding to Citi 's request for information on the transaction.

- We made several calls to Citi 's billing dispute department for an explanation. We were told that an email had been sent to us on XX/XX/XXXX requesting information on the disputed transaction. I informed Citi that we did not receive any email and asked why they did not post the request to the website. Citi personnel had no answer. Citi personnel could not tell us if they had our original dispute documentation letter in hand or whether  the XX/XX/XXXX email was asking for additional information. Citi personnel told us there was nothing more they could do as they were required to follow Visa rules.

- Two calls made to Visa customer support suggested that Visa had only guidelines. Any rules were set by the bank and the bank was free to reopen the dispute. 
- We pulled down emails from old, unused email accounts and did find an email from Citi dated XX/XX/XXXX of XXXX. However, it was in an encrypted PDF form and was only good for 72 hours. We could not read it. Citi personnel could not tell us more about the letter.

- Calls back to Citi personnel with the information from Visa were rejected. We were told they were just following Visa rules and could not reopen the dispute. When we asked who we could  contact at Citi with a letter, we were given an address that was that of Costco. 
- By now, we are into XX/XX/XXXX. It took some time, but Costco 's local store administration had a regional Citi card employee  contact us. He did have the XX/XX/XXXX letter in the file, but it did not matter. He said there was nothing he could do. He could not explain why Citi did not post the letter to the website.

- We feel Citi acted inappropriately by communicating with us on the dispute both initially and in closing via their website, but altered the communication mid-stream with an email. This is an email that was not received and could not be read when told of its existence.

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 2020-03-24 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: ACIMA CREDIT, LLC
State: FL

Complaint narrative:
Dear CFPB Staff, XXXX has allowed the following Fraudulent account to reappear on my Consumer Credit Report : Derogatory Mark : ACIMA CREDIT FKA XXXX. 

XXXX has refused to address this twice so far.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
TransUnion response to my complain was incorrect Information I  have never paid worth finance ever. I came to this company because I sent TransUnion my identity theft report the irs agree with being identity theft and my police report number and proof XXXX  XXXX XXXX saying that was a fraudulent check and my online banking was hacked. TransUnion also would not tell me whoes account they were using my debt card for to pay a monthly subscription.i asked bc my debt card was new and same with my bank account later they sent me a check giving me my money back. I know I had paid in the past however the i has canceled the subtraction because I was over charge just like they everytime and I can never see my report and they also send me my report through the mail in XXXX. Im going to get a lawyer if the incorrect information on my report does not come off. I can never get anyone on the phone there either I get disconnected as soon as the conversation goes into TransUnion making mistakes. I want to know how they new my debt card number and who the family member using my debt card. And I want proof that they can verify I ever paid worth finance. If I ever paid worth finance then why is the balance the same?

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 2020-03-24 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: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2019 XX/XX/2019 XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24 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: SC

Complaint narrative:
I've sent in information in XXXX and waited for a reply. I should have had some kind of tracking with it because the company never replied. I'm am simply trying to resolve some issues with my credit report. They are addresses I never lived at, names I don't go by, and misspelling etc, with never accounts they I don't recall opening and that flat out are not mine. I had some documentation from XXXX  showing that I was a victim of the data breach that they had a while back so I'm sure that where most of this stems from. I've reattached the information in this complaint.

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 2020-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am writing to request your help. WELLS FARGO BANK is reporting false and erroneous information to the credit bureaus. This is affecting me in a huge way. I sent them my dispute notice on XX/XX/XXXX and they did not even mark the account as disputed or run the popper investigation. The account I am writing about is the following : XXXX Status : Closed/ Charge off /Date opened XX/XX/XXXX Bal {$150.00}. 

This company has been committing multiple violations to the Fair credit reporting act. I am demanding a deletion letter from them.

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 2020-03-24 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: FL

Complaint narrative:
Dear CFPB Staff, Equifax has repeatedly violated the THE FAIR CREDIT REPORTING ACT ( FCRA ) [ 15 U.S.C. 1681 ]  concerning a fraudulent account being reported on my Equifax Credit Report titled " XXXX XXXX XXXX ''. 

Equifax has refused to perform actual investigations. Equifax has refused our requests for a detailed breakdown of their " investigation '' as per the FCRA multiple times. And Equifax has hurt myself and my family financially because this. 

Equifax has continues to address this matter, and the Equifax phone representatives have repeatedly hanged up on myself over the phone. 

I have provided all the documentation Equifax have demanded multiple times these past two years. Equifax refuses to address this as well. 

In CFPB Case # XXXX Equifax even attempted to dodge responsibility by pretending they were not aware the CONSUMER Financial PROTECTON Bureau has the legal authority to represent us in this matter. But even worse, the  CFPB Staff Member in charge of our case allowed them to and closed the case without any resolution. 

This illegal behavior on behalf of Equifax has crippled my family financially. And the CFPB has not only allowed it, but has ignored our complaints about your failure to help us consumers with my Congressman XXXX XXXX. If the CFPB refuses to begin address this matter on behalf of us American Consumer we will hold the CFPB for our continuing situation and the pain and suffering it is causing us. 


Ps. 
We have sent all the requested documentation Equifax 's Staff requested in CFPB Case # XXXX multiple times these past two years. We have granted Equifax permission for both the CFPB and our Congressman XXXX XXXX multiple these past two years. 

However, once again as manipulative as Equifax 's employee was trying to be the American Consumer Financial Protection Bureau is not only legally allowed to communicate with Credit Bureaus on these matters, but in fact was established by the American Government on XX/XX/2011for this very purpose. The CFPB Staff member addressing this new case is therefore not to accept that illegal excuse on Equifax 's part as a reason not to address this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25 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: SC

Complaint narrative:
I've sent in information in XXXX and waited for a reply. I should have had some kind of tracking with it because the company never replied. I'm am simply trying to resolve some issues with my credit report. They are addresses I never lived at, names I don't go by, and misspelling etc, with never accounts they I don't recall opening and that flat out are not mine. I had some documentation from XXXX showing that I was a victim of the data breach that they had a while back so I'm sure that where most of this stems from. I've reattached the information in this complaint.

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 2020-03-25 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: SC

Complaint narrative:
I've sent in information in XXXX and waited for a reply. I should have had some kind of tracking with it because the company never replied. I'm am simply trying to resolve some issues with my credit report. They are addresses I never lived at, names I don't go by, and misspelling etc, with never accounts they I don't recall opening and that flat out are not mine. I had some documentation from Equifax showing that I was a victim of the data breach that they had a while back so I'm sure that where most of this stems from. I've reattached the information in this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I am writing to request your help. LVNV FUNDING LLC is reporting false and erroneous information to the credit bureaus. This is affecting me in a huge way. I sent them my dispute notice on XX/XX/XXXX and they did not even mark the account as disputed or run the popper investigation. The account I am writing about is the following : XXXX Date opened XX/XX/XXXX Original Creditor XXXX XXXX/Status closed. 

This company has been committing multiple violations to the Fair credit reporting act. I am demanding a deletion letter from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25 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: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Dear CFPB Staff, XXXX has repeatedly violated the THE FAIR CREDIT REPORTING ACT ( FCRA ) [ 15 U.S.C. 1681 ] concerning a fraudulent account being reported on my XXXX   Credit Report titled " SunTrust Personal MA ''. 

XXXX has refused to perform actual investigations. XXXX  has refused our requests for a detailed breakdown of their " investigation '' as per the FCRA multiple times. And XXXX has hurt myself and my family financially because this. 

XXXX has continues to address this matter, and the XXXX   phone representatives have repeatedly hanged up on myself over the phone. 

I have provided all the documentation XXXX have demanded multiple times these past two years. XXXX refuses to address this as well. 

In CFPB Case # XXXX XXXX even attempted to dodge responsibility by pretending they were not aware the CONSUMER Financial PROTECTON Bureau has the legal authority to represent us in this matter. But even worse, the CFPB Staff Member in charge of our case allowed them to and closed the case without any resolution. 

This illegal behavior on behalf of XXXX has crippled my family financially. And the CFPB has not only allowed it, but has ignored our complaints about your failure to help us consumers with my Congressman XXXX XXXX. If the CFPB refuses to begin address this matter on behalf of us American Consumer we will hold the CFPB for our continuing situation and the pain and suffering it is causing us. 


Ps. 
We have sent all the requested documentation XXXX  's Staff requested in CFPB Case # XXXX multiple times these past two years. We have granted XXXX permission for both the CFPB and our Congressman XXXX XXXX multiple these past two years. 

However, once again as manipulative as XXXX XXXX  employee was trying to be the American Consumer Financial Protection Bureau is not only legally allowed to communicate with Credit Bureaus on these matters, but in fact was established by the American Government on XX/XX/2011 for this very purpose. The CFPB Staff member addressing this new case is therefore not to accept that illegal excuse on XXXX XXXX part as a reason not to address this matter.

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 2020-03-25 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: SC

Complaint narrative:
My loan was recently transferred from XXXX XXXX  to carrington mortgage. Yesterday i made my first payment to carrington. They  charge a {$5.00} fee to pay online, and {$10.00} to pay by phone. XXXX did not charge me to make mortgage payments online. Can carrington legally do this? Their services and reputation are apparently sub par to XXXX. I feel like I'm being punished by having had my mortgage transferred. Carrington was not helpful in their online chat nor on the phone, after approx 30 minutes of hold time to reach them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I was billed on XX/XX/2017 in the amount of {$6200.00} as well as for {$38.00} on XX/XX/17 total fees charged {$6200.00}. 

These late fees must be credited back as all the charges and entire balance was resulting from disputed transactions due to an ongoing problem we had with these transactions with a merchant. when you sent me a letter regarding the dispute, you stated you will credit the charge plus all associated interest late fees. The charges were indeed credited back, but American Express never credited me back for the interest fees and late fees associated with these charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25 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: PA

Complaint narrative:
I am a recent victim of identity theft. I am a consumer pursuant of 15 USC 1692-A3. XXXX, Transunion and XXXX  are in violation of 15 USC 1681 ( B ) ( D ) ( G ) ; failure to delete requested accounts, names, addresses and inquiries related to identity theft. Please remove requested accounts, names, addresses and inquiries. An FTC/Police report was submitted XX/XX/2020 and accounts are still reporting fraudulently. 



Department of Education : Account # XXXX Amount {$49000.00} XXXX XXXX XXXX XXXX XXXX, NE XXXX XXXX XXXX XXXX/XXXX XXXX : Account # XXXX Amount {$540.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MIXXXX

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 2020-03-25 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: PA

Complaint narrative:
I am a recent victim of identity theft. I am a consumer pursuant of 15 USC 1692-A3. XXXX, XXXX  and Equifax are in violation of 15 USC 1681 ( B ) ( D ) ( G ) ; failure to delete requested accounts, names, addresses and inquiries related to identity theft. Please remove requested accounts, names, addresses and inquiries. An FTC/Police report was submitted XX/XX/2020 and accounts are still reporting fraudulently. 



Department of Education : Account # XXXX Amount {$49000.00} XXXX XXXX XXXX XXXX XXXX, NE XXXX XXXX XXXX XXXX/XXXX XXXX : Account # XXXX Amount {$540.00} XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MIXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25 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: GA

Complaint narrative:
I sent a copy of the police report to Experian with actual police reports with accounts listed and they refuse to remove the fraudulent accounts from my credit file.

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