vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-23 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: NJ

Complaint narrative:
I was going through the credit card online spending summary on XXXX XXXX that's when I noticed a series of transaction that I did not execute : 1. XXXX {$210.00} XXXX XX/XX/XXXX ) 2.  XXXX {$440.00} XXXX XX/XX/XXXX ) 3. XXXX {$4.00} ( XX/XX/XXXX ) 4. XXXX XXXX   {$120.00} ( XX/XX/XXXX ) 5. XXXX XXXX XXXX XXXX {$77.00} ( XX/XX/XXXX ) 6. XXXX {$250.00} ( XX/XX/XXXX ) On the same day ( XX/XX/XXXX ) I communicated to the bank and raised a dispute of all the above mentioned charges. I also went to the extent of contacting all the merchants via email and letting them about the transaction and requested them not to proceed with the shipment ; and where the shipment was out of their warehouse I asked them to put a hold on the delivery. To my surprise, all the merchants asked me to work with the bank and they were not exploring the option of holding back the shipment. 

While working with the bank, my credit card issuer, I had to contact them multiple times asking the team to post a temporary credit to reduce the credit card outstanding amount so that I only pay the charges that I recognize. 

Fast forward, it is XXXX and today I checked to see the status of the disputes. I was surprised to see the first disputed charge {$210.00} was closed in favor of the merchant. 

My credit card issuer is Citi bank and as this is an online fraudulent transaction I would expect the issuer to pick up this charge and treat is as fraud loss, not to bill the customer. Ideally, I would expect customers to be notified if there is an odd purchase, for instance, XXXX  is a XXXX website, and going by the transaction history I have not bought goods/services outside of US I would have expected Citi to flag this transaction. Such operational control would have prevented the fraudulent activity in first place.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-23 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC.
State: SC

Complaint narrative:
Net credit report a late payment. I told them due to conronavius and the governor closing my business, i am unable to make payments and would like to defer my payment. Net credit agree to defer my payment but added a late payment to my credit report. I spoke to the county Judge and he said before I file a lawsuit against net crefit I should reach out to credit reporting agencies and let them know that it was declared a natural disaster, and it's no fault of any business. All negative reports should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: IL

Complaint narrative:
I tried to send the Money to XXXX of USDXXXX, the recipient can not receive the money when they call the Moneygram they told the recipient that inform and ask sender to call. Once I ( sender ) call the Moneygram they are asking that recipient should call so I ask the supervisor to can cell the transaction they are saying that they can not cancel the transaction.

So I am requesting to please look into this matter and request Moneygram to refund the amount to the card. This transaction has been done in Walmart. Walmart also called them and they are saying the same thing. Walmart is asking that moneygram release the hold then they are able to refund the amount. 

Thanks for your kind cooperation. 

Transaction Date : XX/XX/2020 Amount : USDXXXX Request for refund by Me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23 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: Bread Financial Holdings, Inc.
State: AL

Complaint narrative:
My dispute is with Comenity Bank. I have done several disputes with the company and on my credit reports. I have no knowledge of these accounts they have listed on my report. I've sent disputes and asked to send me signed documentation proving these accounts are mine. I keep getting letters back stating the accounts are verified and are mine with copies of billing statements, but nothing saying I signed up for these accounts bearing my signature. I recently went through a separation from my ex husband, ( due to XXXX  XXXX and us being illegally married because he was still married to his first wife. ) I tried to dispute with the courts and he said he only did it for the insurance and didn't think it was illegal. They didn't follow thruoug with the XXXX charges. He fraudulantly kept the house ( rental ) with all of my personal documents. He has gotten a lot of things fraudalantly in my name but without physical proof I didn't consent to it, I am not able to file charges. According to the magistrate. 
I have been disputing these charges for months and have also sent factual disputes for the discrepencies on each account. But Comenity insists on keeping it on my credit reports in order for someone to be resposible and pay. They have CHARGED OFF these accounts several times when I dispute them. Each account has been charged off 5-8 times. The accounts regularly updates even though it is charged off. They have negatively reaged the accounts changing deliquincy status of accounts to fool the credit bureaus into thinking it more recent. From my understanding, re-aging accounts is illegal and is a violation of the Fair Credit Reporting Act. When I dispute these accounts, the change the status to closed then later back to charged off. They have done this multiple times which negative affect my credit reports. Comenity lists accounts closed and reports missed payments/change payment history, then removes missed payments, then changes back, which constantly negatively impacts my report. If accounts are charged off, how can a payment history be added. 
As of the recent dispute, they listed that they received a payment on each of the accounts which I have not made any payments on any of these accounts. Again, reaging the accounts on my credit reports. Isn't this illegal practicing? 

From my research of this company, they are known for illegal practicing and not sure why they are allowed to continue. I would like for them to remove the listed accounts from my credit reports : Comenity/XXXX Comenity/XXXX ( XXXX )  Comenity/XXXX  Comenity/XXXX  ( XXXX ) Comenity/XXXX Comenity/Wayfair Comenity/Victoria Comenity/XXXX  ( ( XXXX  ) Comenity/XXXX  ( XXXX  )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AR Resources, Inc.
State: FL

Complaint narrative:
I have 2 collections accounts that have been reported by the hospital to a collections bureau when the accounts have all been satisfied and paid in full. On XXXX of 2019, I had a hospital visit. I received a bill in the mail for approx {$2400.00} and I began monthly payments immediately. Unbeknowst to me, their was a secondary bill from the hospitals XXXX  dept. I never received a bill from the hospital. A collections company called to collect a debt in the amount of {$530.00}. I informed the collections company that I was never made aware of this debt and had i received a bill or phone call, i would have paid i immediately. I paid the debt in full upon notice There is a second collections account in the amount of {$1500.00}. No dept in the hospital or otherwise have any notice of a debt in the {$1500.00}. Any and all debt owed to the hospital has since been paid in full. My credit has been drastically impacted by the inaction and unethical nature of these businesses. The hospital was XXXX XXXX in XXXX XXXX, they passed the debt to a collection company called AR Resource INC through XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23 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: FL

Complaint narrative:
Following passage of the CARES ACT my Federal Student loans were placed into forbearance. Prior to the forbearance my loans were completely up to date with no late or missing payments ever reflected on my credit reports ( Including Equifax ). After my loans were placed into forbearance Equifax proceeded to DROP MY CREDIT SCORE BY 55 POINTS! The purpose of the Act is to provide mandatory forbearance without it reflecting a late payment or non payment or impact a credit score. 

I contacted Equifax and started a dispute. Equifax closed the dispute by reflecting that my loans were in forbearance as a result of a natural disaster however they have not corrected their improper drop of my credit score. Equifax is the only credit agency that has lowered my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
A security freeze was placed on my XXXX report on XX/XX/2020. I also placed a freeze on my XXXX XXXX XXXX XXXX report on XX/XX/2020. I do have verification for these freezes if needed. XXXX has continued to verify personal information reporting to my credit report post-freeze. I have letters from XXXX  ( XX/XX/2020 ), XXXX  ( XX/XX/2020 ), and Experian ( XX/XX/2020 ) stating that public records on my report were verified using XXXX. I received a letter from the courthouse stating that they do not sell or report public records concerning bankruptcy filings to any third party agencies or credit bureaus. The reporting from the three major bureaus do not match one another as they are required to. I have disputed the inaccuracy of the reporting and nothing has changed. The court names are incorrect, the filing dates do not match and they are incorrect, the reference numbers are all different. I have disputed this information with XXXX, XXXX  and Experian multiple times and the information comes back verified each time with the same response : " obtained through a third party vendor XXXX XXXX XXXX XXXX XXXX ''. I know that the law states that the bureaus are required to report all accurate information on consumer reports, and that has not been the case for me. I am aware that data obtained for a consumer report must be validated through the original furnisher and the original furnisher stated in writing that they do not share info with 3rd parties.

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 2020-05-23 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
This XXXX XXXX came broken and they assembled wrong. On first day, I emailed a lot and got nowhere. I emailed many many times. Just a run around. I contacted TD to chargeback or do warranty claim and no response and cant log in. They need to take this broken piece of junk off my property and refund fully and pay interest on how long they have kept my money. The arm came lose, monitor never worked, cupholder broke off and pedals came flying off. motor would fire randomly. I cant tell you how many times I got hurt and sent emails and photos and videos on. They did nothing. I should be doing an injury lawsuit. I have contacted a class action attorney. We will see if TD fixes this.XXXX XXXX  credit XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
RECEIVED VOICE MAIL MESSAGE STATING MY AMAZON VISA CREDIT CARD HAD BEEN FRAUDULENTLY CHARGED FOR A XXXX LAPTOP COMPUTER IN THE AMOUNT OF {$650.00}, AND A BLOCK HOLD HAD BEEN PLACED ON MY CREDIT CARD. ASKED ME TO RETURN CALL TO XXXX. UPON CHECKING WITH THE BANK THAT ISSUED THIS CARD, I CONFIRMED THIS WAS BOGUS JUST WANT TO REPORT THIS SCAM

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23 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: SC

Complaint narrative:
XX/XX/2020 vehicle loan with XXXX XXXX XXXX XXXX XXXX was paid off in full and reported to the credit bureaus but the account it not being reported on TransUnion and XXXX  Credit Report. I have wrote in to the agencies and TransUnion still has not corrected this matter. XXXX  and XXXX   have add the account but incorrectly and the payoff didnt increase 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 2020-05-23 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: SC

Complaint narrative:
XX/XX/2020 vehicle loan with XXXX XXXX XXXX XXXX XXXX was paid off in full and reported to the credit bureaus but the account it not being reported on XXXX  and Equifax Credit Report. I have wrote in to the agencies and XXXX  still has not corrected this matter. Equifax and XXXX   have add the account but incorrectly and the payoff didnt increase my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
XX/XX/2020 vehicle loan with XXXX XXXX XXXX XXXX XXXX was paid off in full and reported to the credit bureaus but the account it not being reported on XXXX  and XXXX  Credit Report. I have wrote in to the agencies and XXXX  still has not corrected this matter. XXXX  and Experian have add the account but incorrectly and the payoff didnt increase 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 2020-05-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
On XX/XX/2019 i purchased a single family home. The sale was only completed thru escrow instructions. Before closing escrow we had to make sure there was sufficient money to cover insurance payment and property taxes payment. 


I have received several delinquency notices from my local property tax collector. When i reached out to my tax collector they expanded that the mortgage company had not sent full updated tax amount due. They explained that mortgage company had sent the old amount due the old amount due would be the amount that the original owner who we bought the house from was responsible for. With this information i have attempted to call the mortgage company. I have not been able to reach any one at their offices. I have left several messages to please call me and have left an updated current telephone number via voice message. I have also sent them a copy of the delinquency noticed and have wrote a note to them to pay the taxes due.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Federal Credit Control, Inc.
State: VA

Complaint narrative:
Hello my problem is in regards to a collection which has appeared on my credit reports and which I have no idea what it i sand or who it is from. The agency attempting to collect has been notified various times through dispute to provide me with validation ot the debt from the original source, because all they send are invoices which prove nothing more than what is now part of the public record. 

All disputes have fallen on deaf ears in hopes I go away. I have asked for compliance to the FCRA and the FDCPA which states they are to provide me tangible documentation. All disputes come back with no change. With no response. With nothing more than a ham handed stamp that the dispute meets compliance when nothing of an investigative nature was performed nor provided to me. 
It is my belief that the collection is fraudulent and illegal. I am asking for assistance as a meditator to this matter. To assist me in the correction of this problem and the removal of the fraudulent collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
In XX/XX/XXXX I set up a payment plan with XXXX for a trip to XXXX for XX/XX/XXXX. Due to Covid 19 in XXXX the travel agency turned off their phones and went out of business. Their website instructed us to follow up with our credit card company for refunds. The trip was canceled by then and the flights canceled by the airline. I reported this to capital one on XX/XX/XXXX and opened the dispute. As of today I still have not been reimbursed. I was told by and agent in XXXX and XXXX that a check was sent out and the funds were taken from account on XX/XX/XXXX. I speak with a supervisor today and was told the funds were being held but the department isnt open until Tuesday. This is horrible customer service and I have always been a great customer with them. I need those funds back. The supervisor also told me the merchant never replied and I won the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
I opened a TD Beyond Checking account with TD Bank , N.A . on XX/XX/XXXX, which promised a bonus of {$300.00} if I made cumulative direct deposits of {$2500.00} within 60 days of opening the account ( i.e. NLT XX/XX/XXXX. ) I made the required direct deposit ( from my federal pension ) on XX/XX/XXXX - fulfilling the requirement. Per the terms of the offer the {$300.00} bonus was to have been deposited in my account NLT 140 days after the opening of the account ( i.e. XX/XX/XXXX. ) This did not occur. 

On XX/XX/XXXX I contacted TD Bank customer service ( via phone ) spoke to XXXX and enquired as to the delay. Over the course of ~ 45 minutes she put me on hold 5 or 6 times to confer with other staff, initially could not find or confirm the terms of the bonus agreement, ( eventually ) confirmed that I had met the terms of the offer but could not explain why I had not received the {$300.00} bonus. She indicated that she had forwarded the case to fulfillment staff, said I should see the bonus in my account by the following Tuesday ( XX/XX/XXXX ),  and ( in lieu of my request for a confirmation number to identify my case ) she said that she would annotate my account with the details I had provided so I would not have to repeat them to another customer service representative. 

When the {$300.00} bonus did not appear in my account on Tuesday ( XX/XX/XXXX ) I called TD Bank again and spoke to XXXX. She told me that my account had NOT been annotated as promised, and we spent another ~ 40 minutes as I explained the history of my account and XXXX put me repeatedly on hold as she consulted with other staff. Eventually she told me that my account would be reviewed over the next fulfillment cycle ( which she estimated as 3 - 4 weeks. ) I told her that this was unacceptable and that I would be filing a complaint with the CFPB and the Controller of the Currency about TD Banks failure to honor the Bonus Offer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I'm having issues getting to credit bureaus to update and correct my personal information on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I'm having issues getting to credit bureaus to update and correct my personal information on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I'm having issues getting to credit bureaus to update and correct my personal information on my credit report.

Company response to consumer: Closed with explanation