vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-07 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:
In XX/XX/XXXX I purchased an at home XXXX  service and products. Shortly after purchasing the service for over {$2000.00}, the company ( XXXX XXXX ). failed to live up to the service they sold and the products were faulty. In XXXX of XXXX I filed a charge back with Citi Card, and for 3 months they investigated based off of my brief complaint and did not ask me to provide any additional information until XX/XX/XXXX. Once they received my additional information, they assured me that Citi was on my side. On phone calls and in letters, they described to me that Candid was in the wrong and should issue me a refund. While Citibank found my request valid, they said that they could not reclaim my payment to Candid and that I would have to pursue another avenue such as hiring a lawyer or filing a XXXX  claim. However, Citibank has contradicted itself many times in our interactions : for example, they stated that if the merchant admitted their wrongdoing and offered me any form of a refund, then this would constitute a chargeback and dismissal of the bill. I showed Citibank this in writing, but they still denied my request. Despite finding that the merchant was at fault, Citi told me that they were not going to be able to return my funds, and that I would need to pursue other options. 

Furthermore, Citibanks service throughout this process was highly irresponsible. In order to move my claim along, I had to call frequently and correct their account of the events. Citi also told me contradictory information on many occasions, and assured me that this case would be resolved in my favor. Despite speaking with a supervisor, they told me there was nothing more for them to do. When I requested to speak to another supervisor or superior, I was simply told no.

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 2021-11-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
I have had a PayPal Account for several years. The pandemic has raised certain serious issues - especially with sellers from overseas ( e.g., XXXX is no longer selling via the primary market here in the US, but instead sell directly to consumers ). I've order several items -- and one took 35 days to deliver. Another order was not fulfilled. I had an email from them saying they could not fulfil it and I gave them notice to cancel the order. Neither PayPal nor I have heard from them. PayPal has not honored its commitment regarding merchandise purchase protection. The invoice was written in XXXX and PayPal nor I could read it. It also had a 'bad ' email on it ; these are badges of fraud and PayPal just directed my to my card. I sent the email regarding that they do not have the material for the items and PayPal would not cancel the account because it said it could not. This is unusual also because they attempted to take these funds when my bank did not pay it ; and what they have on their records is wrong. 

Now - I have canceled one dispute for {$44.00} and am just am taking the hit. The other has been resolved by XXXX XXXX, they did not accept the charge and canceled my card and issued a new one. Ref. ID # XXXX case is with my federal credit union account ending in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
Received notice of account closure XX/XX/2021 citing " Key Factors that aversely affected your credit '' which are not accurate and citing a date of credit score provided of XX/XX/2021. A payment was made on this account on XX/XX/2021 of {$3700.00} bringing the account balance to XXXX. I am in the home buying process and wanted to 1 ) clear this monthly payment as a liability for the home loan and 2 ) improve my credit score. The account being closed on me without notice will adversely harm my credit by 1 ) closing an open account with 100 % positive payment history and 2 ) not giving me credit for reducing resolving balance to credit limit ratio since I no longer have the credit limit of {$6000.00} on the account. One of the " Key Factors '' cited was " Not Enough Balance Paid Down Over Time on Real Estate Secured Loans ''. This is a farce as more than the minimum mortgage payment has always been paid on time over the history of the current mortgage account, which has also been paid in full as of XX/XX/XXXX. I understand this would not have been updated with credit bureaus as of XX/XX/XXXX. 

XXXX XXXX / Synchrony Bank was fine making money of my interest payments until I paid the account and then immediately closed it which is negatively affecting me and citing reasons that were 100 % the unchanged when they initially issued credit. This is fraudulent. It is also not fair reporting that I do not benefit of my positive payment history and paying the account balance via credit scores for my home purchase and will instead be negatively impacted which will increase my mortgage cost in the interest rate I will qualify for. This is completely unacceptable practice. Synchrony Bank got paid and immediately closed the account.

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 2021-11-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX Cardmember Service Attn : Billing Inquiries Customer Service XXXX XXXX XXXX XXXX, DE XXXX Re : Notice of disputed charge to Account No. [ XXXX ] Dear [ Contact Person or Billing Inquiries Division ] : I am writing to dispute a charge {$440.00} to my credit account on XX/XX/2021 The charge is in error because I cancelled the card, indicated that I no longer desired to hold Southwest Rapid Rewards Card, and pay the annual fee.

I have spoken with Customer Service on numerous occasions. I explained that I am no longer employed due to COVID-19, and that I am not able to financially pay continuous interest charges on a card that I no longer want. 

No individual in CUSTOMER SERVICE had/has offered any solutions or empathy to my financial situation. I have requested on multiple occasions that all charges are removed. However, I have been repeatedly been told erroneous information in a condescending method. 

I am requesting that the error be corrected, that any finance or other charges related to the disputed amount be credited to my account, and that I get an accurate statement -which should be a balance of {$0.00} It is truly overwhelming that in consideration of the current economy, my personal circumstances, that this continues to be handed in an avaricious manner. Also, your standards fail to acknowledge the current hardships created by COVID-19. This is a poor example of customer service.

Furthermore, Id like to point out that my current credit cards are paid in a timely manner. I will never recommend Southwest Rapid Rewards Chase card to a colleague. 


Please correct the error on my account promptly. 

Sincerely, XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX Go to consumerfinance.gov/complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Suntrust holds my Subsidized and Unsubsidized Federal loans- they have not been refinanced, they are simply being serviced by Suntrust . The principal is greatly more than the original principal amount now. I was looking forward to some relief from the CARES ACT with 0 % interest so that we could work hard and restore our family 's emergency fund that has been depleted due to significant cuts in pay due to being unable to generate volume at the office due to covid19 restrictions and precautions. We have spent the entire period of CARES ACT 0 % with continued payments and interest accrual. It seems that a loophole of the CARES Act is that private servicers of federal loans are not required to provide any relief at all. Is it possible to have the amount of the accrued interest credited retroactively to my account? Please advise. Thank you for your attention.

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 2021-11-07 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Adjusters, LLC
State: GA

Complaint narrative:
National Credit AdjustersXXXX XXXXXXXX XXXX XXXXXXXX XXXX VISA is illegally reporting my private information to an uninterested third party/public reporting agency without my authorization, and attempting to illegally collect a debt. I am requesting full deletion of the information being reported on my Consumer Report as well as the balance showing on any accounting ledgers associated with any derivation of my name which is my private DBA. 

Please make note of the following discrepancies I will litigate/enforce if this is not removed from all collection efforts and accounting ledgers : 1. The alleged obligation must be referred to the United States for collection of said obligation [ per 18 USC 8 ], not to me.

2. This reporting has not been permitted or ordered by any court, and is consequently being done in violation of [ 15 USC 1681b ]. Any agreements alleging to give permission to report or furnish a report are hereby rescinded for reason of a mistake being made under duress. 
3. The debt collector has no wet ink signature of mine showing any agreement to any obligation to engage with me for any reason. They do not have permission to have acquired my Location Information or any other pieces of Personal Identification Information. Any alleged permission obtained by my signature is hereby rescinded for reason of a mistake being made under duress. I do not wish to contract with National Credit Adjusters for any reason and revoke any alleged or implied agreements made on my behalf without my knowledge or consent.

4. The Finance Charge should have been my balance [ per 15 USC 1605 ], which means this alleged debt is not the correct amount showing on my Consumer Report. This was not disclosed to me properly. 

This is an official notice to cease and desist collection and communication attempts, and a request to delete all of my information completely from their internal record keeping systems, and any reports made by them in whole, on all applicable Consumer Reports.

Any failure to comply with this request will result in further Administration and Enforcement of all violations of federal regulation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
XXXX mother 's credit card number was circulated through assisted living 's email directory via an email that was copied to every XXXX  who is involved with her XXXX  needs. Visa is refusing to cancel the card unless I send them the power of attorney form by FAX, which I can not do because I am in the XXXX right now, and there are no FAX machines here and I do not have access to the power of attorney form that is in my files in the United States. 

So they are refusing to cancel the credit card. Now every caregiver has my mother 's credit card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX I mailed my letters to Transunion, XXXX, and XXXX explains to them how they have broke my consumer rights and exactly what inquiries and accounts need removed from my consumer report. It has now been well over 30 days and I have still not heard anything from anyone of the credit bureaus listed earlier. This is another violation not replying to me.

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 2021-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am reaching out to file a formal complaint against Experian Credit Reporting Agency. I have been an ongoing battle for two bankruptcies that do not belong to me : XXXX BKPT CT GA XXXXXXXX Bankruptcy chapter XXXX-discharged original filing date : XX/XX/XXXX Latest status date : XX/XX/XXXX US BKPT CT GA XXXX Bankruptcy chapter XXXXdismissed original filing date : XX/XX/XXXX Latest status date : XX/XX/XXXX. 



I have written several letters and I have spoken to several representatives over the phone asking for verification of these bankruptcies. The very last conversation I had with a representative from Experian was on XX/XX/XXXX ; due to another written dispute transferred to an online dispute, she stated to me that a third-party vendor is reporting the information accurate back to Experian. I then explained to the representative that I have a distant relative that has the same name as I do ; however, I have a middle name and that relative doesn't. My social security number is not associated with any bankruptcies ; due to me never filing bankruptcy. The call was disconnected. I have done my due diligence and contacted all of the Consumer Reporting Agencies such as : XXXX XXXX, and Clarify to dispute all inaccuracies that are being reporting to the major credit bureaus such as Experian. With proper documentation of my social security card, and an identity fraud report ; I was successful with having that information deleted. The other reporting agencies such as XXXX and XXXX have deleted those negative reporting. Experian is the only credit bureau that is not fully complying with Fair Credit Reporting ACT. 



My last written dispute in XXXX, XXXX ; had the attached findings of the bankruptcies deleted from the public record data base. With substantial evidence through documentation and other evidence such as my social security card ; with the reports showing deletions of the bankruptcies from the other reporting bureaus, Experian still uses a recycled third-party data base to re verify information that is not true. I ask that you hold Experian under all findings of violating my rights under the Fair Credit Reporting Act.

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 2021-11-07 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: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2021 I 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 fell like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items writing 30 days gives a reason to immediately remove these items from my credit report. It has be 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 may also have been impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07 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: Financial Data Systems
State: TX

Complaint narrative:
I initially submitted a previous complaint regarding the same issue ( # XXXX ). I just received a written response from XXXX. The issue is still unresolved and just as troubling my credit report is filled with inaccuracies regarding my personal information. To recap, the merchant XXXX XXXX XXXX 2 reported 2 accounts as delinquent to both XXXX and XXXX in XXXX. Both companies concluded neither account belonged to me. In XXXX, the same merchant again reported the same 2 accounts to both credit reporting agencies. However, while XXXX again concluded neither account was mine, XXXX now says they are mine. In the credit report XXXX sent me, they did not.provide me receipts or any other documentation showing the accounts are mine. They simply stated, " we verified that this item belongs to you. '' But no details were included, not even an address " unknown ''. So I am absolutely stating these accounts are not mine. And after reviewing the personal details of the credit report XXXX sent me, I am 100 % certain I am the victim of identity theft and/or fraud. Here are the reasons why : 1. My name on the report is listed as XXXX XXXX XXXX XXXX ( I have never in my life added any suffix to my name. 

2. The report lists a previous address as XXXX XXXX XXXX, XXXX, TX XXXX. That house is across the street from me. I HAVE NEVER LIVED THERE. My fear is the postboffice may have inadvertently delivered mail to the incorrect address at some point. My now deceased wife was an identity theft victim years ago when our mailbox was breached. 

3. The report also lists a previous address for me as XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX. I HAVE NEVER LIVED AT THAT LOCATION. 

4. Lastly, the report states both collection accounts were created on the same day with 2 separate account numbers on the same day ( # XXXX & # XXXX ) .How is that possible when I am one person? In addition, I have had excellent medical coverage through my employer for the last 16 years. Due to extensive health issues I met my deductible early in XXXX and certainly would not have had a copay for any medical services especially in XX/XX/XXXX. Nor would I have received any medical services from any provider who did not accept my insurance. 

XXXX had not provided me with ANY documentation or tangible proof that these 2 collection accounts belong to me, other than to say, " we verified this item belongs to you. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I closed my account with XXXX XXXX XXXX and they are still reporting this as open and still charging fees. They refuse to close the account and remove the fees. I have contacted everyone about this once before. They are a predatory lending agency. They never stop charging fees even after the account is closed. After I closed the account I waited for a final statement in the mail. It never came. Instead they kept the card open and reported late charges. This is ruining my credit! I have asked them more than once to stop and remove the fees they sent me a letter saying they would take off XXXX! That is not acceptable At All! And they are still charging me showing an open account on my credit with all 3 credit bureaus!

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 2021-11-07 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: TX

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07 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: NY

Complaint narrative:
I recently reviewed my Credit Profile and see numerous unauthorized inquiries and accounts. I have also reached out to each lender but they have ignored my request. These fraudulent negative factors are tarnishing my credit profile. PLEASE REMOVE AT ONCE! This violates 18 US Code 1028A- AGGRAVATED IDENTITY THIEF. I have placed a security fraud alert on my SSN to avoid instances like these in the future.

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 2021-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was still found in my reports. The Equifax credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are still reporting on my Credit Reports and need to delete immediately : ACC-Date of inquiry XX/XX/2021 XXXX  XXXX-Date of inquiry XX/XX/2021 XXXX-Date of inquiry XX/XX/2021 XXXX of inquiry XX/XX/2021

Company response to consumer: Closed with explanation