vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-13 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: CITIBANK, N.A.
State: CA

Complaint narrative:
This is my second time to contact the CFPB over a disputed charge with my Citibank credit card. The first time I made a complaint with CFPB, it was because for months, I was disputing a charge of of {$1800.00} while Citi was investigating a totally different and unrelated charge and maintaining that the unrelated charge was valid. I messaged Citibank repeatedly, and it was as if they were not even reading my messages. I would get back form-letter emails saying some other unrelated charge was valid. Only after contacting the CFPB and getting assistance, did Citibank finally even address the actual charge I was disputing. 

That being said, addressed might be the wrong word. Again, it's as if they do not even read the messages I write to them. Their replies never address or acknowledge anything I have written them about. 

As it stands, I am being charged {$1800.00}. This charge ended up on my credit card on XX/XX/2019 when I visited XXXX XXXX XXXX in XXXX. Currently, Citibank claims the charge is valid because they have a " signed receipt. '' Additionally, they tell me the the card was physically present for the charge. 

I am attaching a copy of the " signed '' receipt provided to me by Citibank. The signature is not mine. It is an absolute forgery, just a bunch of squiggles at the top of the paper. Also, there are two sheets provided, and they seem to show different dates. This seems odd to me. I noted it too on the attached file. 

Citibank says that my card which has a chip on it was present for the charge. My best guess is that I was taken advantage of, perhaps by an employee or some person in on a scam, by running my actual card without my knowledge. I am certain that this is a scam of some sort by the fact that it is not my signature at the top of the receipt given to my by Citibank. 

I don't know what to do at this point. I have gone back and forth with Citibank for months, and their total incompetence at researching something wholly unrelated was only resolved after contacting CFPB. Now, Citi tells me the charge is valid and when I reply to Citi that the signature they provided is a forgery, they don't even acknowledge it. It is as if they are simply not even reading my messages. History has shown they surely do not. 

One more thing I find strange. As a matter of general practice, I checked my credit card online before leaving XXXX and saw no major pending purchases. It wasn't until I got home that I saw this charge appear, as if it were delayed on purpose.

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 2020-04-13 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:
On XX/XX/2020 Experian XXXX XXXXl sent to consumer via email an admonition due to there data breach and cyber security attack ; cause him to suffer from or experiencing now ( Identity theft/fraud ). Consumer provided a copy of the civil judgment previously reported to third party and other fraudulent activities were made public record on his Experian Credit Report to date. The documents are proof my Confidential and Personal Information was compromised by XXXX employee having committed fraud. As direct result of Experian XXXX XXXX ; Experian XXXX ; Experian Information Systems , Inc ( EIS ) and dba Experian XXXX XXXX ( XXXX ) arbitrary or capricious decision ( s ) to make or having made full disclosure of ( 1 ) erroneous or false reporting of NYCSE accounts about consumer presented an inaccurate image of my credit worthiness that violated or in violation of Section 1036 ( a ) ( 1 ) of the CFPA prohibits unfair, deceptive or abusive acts or practices 12 U.S.C. 5536 ( a ) ( 1 ( b ). Such misrepresentations as described in above paragraph were false and misleading constitute deceptive acts or practices in violation of section 1031 ( a ) ; 1036 ( a ) ( 1 ) ( b ) of the CPA. 125531 ( a ) 5536 ( a ) ( 1 ( b ). As direct result of such false reporting of trade lines, ( fraudulent activities ) violated or in violation of Section 13 ( b ) of the Federal Trade Commission Act ( FTC Act ), 15 U.S.C. 53 ( b ), Standards for Safeguarding Customer Information ( Safeguards Rule ), 16 C.F.R. Part 314, pursuant to Sections 501-504 of the Gramm-Leach- Bliley Act ( GLB Act ), 15 U.S.C. 6801- 6804 and Section 19831985 for injunctive relief, restitution and any other relief having violated FTC Act pursuant to 15 U.S.C. 45 ( a ) and Safeguards Rule 16 C.F.R. Part 314 to date

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 2020-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
-Do not have a contract with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13 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:
SENT FTC AND CFPB WITH XXXX, XXXX, AND EQQUIFAX TAKING LONGER THAN 30 DAYS show tooltip button XXXX XXXX XXXXUnder Dispute XXXX XXXX XXXXUnder Dispute XXXX XXXX XXXX XXXXUnder Dispute XXXX XXXX XXXX XXXXDispute XXXX/XXXXDispute XXXX XXXX XXXX XXXXUnder Dispute XXXX XXXXUnder Dispute XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXX/XXXXXXXXUnder Dispute XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute Personal Information NamesAddressesDOBSSNPhone Numbersshow tooltip button 34 personal information entries View All Accounts Credit CardsMortgagesLoansshow tooltip button 31 accounts, 14 potentially negative View All Inquiries For AccountsBy Employersshow tooltip button 42 hard inquiries Not Disputable Online. Details Public Records Bankruptciesshow tooltip button No public records reported

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13 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: FL

Complaint narrative:
SOMONE WAS USING MY INFORMATION FOR SEVERAL YEARS AND APPLIED FOR MANY DIFFRENT ACCOUNTS AND LOANS THAT I WAS NOT AWARE OF I DID NOT GIVE ANYONE PERMISSION TO USE MY PERSONAL INFORMATION I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-04-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC.
State: MD

Complaint narrative:
My husband and I closed on our house on XX/XX/XXXX. Based on my husband 's VA XXXX status, he qualifies for a real estate exemption in Maryland. We could not apply for the exemption until we closed and owned the home. We immediately submitted the necessary paperwork and the county sent us our property tax exemption form on XX/XX/XXXX. We had problems during the loan servicing process with misapplication of our initial payments and the SVP of Loan Servicing reached out to me after my prior CFPB filed complaint against this company - stating that he would personally see this is taken care of. I have reached out to him directly multiple times since this conversation and he claims that he has submitted the request to his team several times and doesn't understand why it hasn't been processed. The impact to this request is twofold : ( 1 ) it will reduce my monthly mortgage obligation and ( 2 ) it will prompt an escrow refund of a fairly sizeable amount of money. To continue to charge me for real estate taxes and to fail to refund my money back from escrow which we are exempt is criminal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13 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:
SENT FTC AND CFPB WITH XXXX, TU, AND XXXX TAKING LONGER THAN 30 DAYS show tooltip button XXXX XXXX XXXXUnder Dispute XXXX XXXX XXXXUnder Dispute XXXX XXXX XXXX XXXXUnder Dispute XXXX XXXX XXXX XXXXDispute XXXX/XXXXDispute XXXX XXXX XXXX XXXXUnder Dispute XXXX XXXXUnder Dispute XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXX/XXXXXXXXUnder Dispute XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute Personal Information NamesAddressesDOBSSNPhone Numbersshow tooltip button 34 personal information entries View All Accounts Credit CardsMortgagesLoansshow tooltip button 31 accounts, 14 potentially negative View All Inquiries For AccountsBy Employersshow tooltip button 42 hard inquiries Not Disputable Online. Details Public Records Bankruptciesshow tooltip button No public records reported

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 2020-04-13 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 am aVICTIMof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation, within Transunion credit report. This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit :

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 2020-04-13 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:
SOMONE WAS USING MY INFORMATION FOR SEVERAL YEARS AND APPLIED FOR MANY DIFFRENT ACCOUNTS AND LOANS THAT I WAS NOT AWARE OF I DID NOT GIVE ANYONE PERMISSION TO USE MY PERSONAL INFORMATION I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRA. On XX/XX/2020, I mailed Equifax, XXXX and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13 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: FL

Complaint narrative:
SOMONE WAS USING MY INFORMATION FOR SEVERAL YEARS AND APPLIED FOR MANY DIFFRENT ACCOUNTS AND LOANS THAT I WAS NOT AWARE OF I DID NOT GIVE ANYONE PERMISSION TO USE MY PERSONAL INFORMATION I am writing to request and initiate a formal complaint against XXXX, XXXX and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-04-13 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: WI

Complaint narrative:
Kia has changed the amount of the lease in progress. Cost of the lease has increase for the contract cost of {$460.00} to {$480.00}.

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 2020-04-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: IL

Complaint narrative:
this is a continuation of complaint XXXX as it has not been attempted to be resolved as the mortgage company is stating it is. They have yet to accept my bank bill pay certified checks that were sent to them in XX/XX/2019 in the amount of {$XXXX and another in the same amount in XXXX of XXXX or send them back. They claim they have never received them, however they sent a refund check to the rental house in XXXX along with all the other communications. I finally located the 2 personal checks they returned to the rental house as well as one refund check from Amerihome for one of the checks they claim they never received. 
I have made several attempts to contact this company, Amerihome. after 30-40 minutes on hold I have spoken to several different people at the company with no results. 1st I asked for bank certified checks to be refunded to me or be applied to my loan. They don't have them. However they sent one refund check for one 'they never received ' however since they mailed it to the wrong address I didn't get it before it expired. I sent them my bank statements showing that both were taken from my account. They requested that the bank bill pay company prove that the certified checks were cashed. I contacted the bank bill pay company and was told that the checks are sent as a whole payment from all their customers to their bank at XXXX XXXX and can't be shown as an individual check. Most companies accept the bank statements but not Amerihome. The bill pay company attempted to reach out to Amerihome but they refused to speak with them. I contacted Amerihome, waited on hold for the typical 30 minutes. They stated they won't talk to them without my approval first. So I asked them to hold while I have them on the phone so I can contact the bill pay company and conference them together, but Amerihome hung up on us. They have been rude and have no motive to clear this issue up as they have my money and have my house too. 

I have tried to get this mortgage back in good standings. Amerihome tells me to contact the foreclosure law firm, which I did. They told me if I want to get in bank in good terms I need to talk to Amerihome. I explained that they told me to contact their law firm. The law firm told me they get this all the time from Amerihome but have to send them back to Amerihome to litigate the loan. I called amerihome back and tell them I want to litigate the loan to get it back in good standings. Again after the 30 minute hold time I am told that they can not work with me I must contact the law firm! So where do I go from here? I feel amerihome has a scam going here that they can refuse your payments, not tell you about it and then foreclose on your home stealing the payments you sent them. Something should be done about the scam of a " mortgage '' company. 
I need help to get this matter cleared up as amerihome is not motivated to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: United Collection Bureau, Inc.
State: FL

Complaint narrative:
I'm getting a derogatory mark from XXXX XXXX that I'm paying through USB Collections I called them 3 times to let them know I changed Bank Accounts. It was a charged off account but now it's showing not just a charge off but newer late payments after being charged off. On XXXX XXXX and XXXX left messages with no response My go to person is XXXX XXXX her Tell # is XXXX. My reference # XXXX I get her voice mail and says she would call in 24 hours and hear nothing from her My XXXX XXXX says XXXX is reporting it a late. I understand with the corona virus there are delays but I need them to contact me so that I can take care of this. Please someone help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13 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 am sending this information due to the fact that on XX/XX/2020, I sent in an identity theft packet to two credit agencies for items that were not mine on my credit report. 
I received letters from the agencies so I contacted both agencies one agency took some information off my credit file and told me I needed to fax the ftcp image and they would take off the rest and then when I called back I was told it was not uploaded and then I got another letter saying it would be 30 more days which they have already been over 30days and they still have not removed the item and it's still on my credit profile and this item is not mine please have this item removed from my credit profile. 

Thank You,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13 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: TX

Complaint narrative:
I have disputed serveral collection accounts on my credit report multiple times. This company continues to " Verify '' the debt, however, provides me with no proof. In addition, I contacted the collection agencies, and either received NO response, OR they are Unable to provide me with Validation or Verification, OR they send me a Completely Different person 's medical information. How are they continuing to report inacurate defamatory information and on top of that, violate someone's HIPAA rights? 

I have attached a confirmed deletion letter from XXXX, an example of the UNABLE TO LOCATE responses I have received from the collectors,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13 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:
Equifax ; XXXX and XXXX should not be reporting collections in the amount of {$3800.00} and {$1000.00} on XXXX XXXX XXXX, original creditor XXXX XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) I was forced to vacate the premises because of an untenable situation with the tenants who were living below me. They were involved in illegal activity and it was very unsafe for my children and my wife and I to stay there. I wanted to file a formal police report however was encouraged not to for fear of retaliation from the tenants. I contacted the apartment complex manager and shared detailed information of the issues that were occurring and the apartment manager agreed that I had no choice but to vacate for the safety of myself and my family. The manager and I agreed that I pay {$1000.00} to terminate the lease. I was assured that the lease would be null and void and that I was free to move. I was not aware that these accounts had gone to collections until I obtained a copy of my most recent credit report. I immediately tried to contact the apartment complex manager to discuss this. I never received any notice from the apartment complex regarding any outstanding balance due. Pursuant to my agreement with the apartment complex manager, there is no outstanding balance and therefore nothing to collect. This false reporting of multiple collections is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13 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:
remove the ftc violations 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