vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-12 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: OH

Complaint narrative:
The accounts listed below are reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX As you know, the Fair Credit Reporting Act requires you to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. Therefore, I am requesting you verify the items I am disputing at a higher standard than a computer generated inquiry, or third party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain an affidavit sworn under penalty of perjury of verification directly from a person at that source

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 2020-12-12 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
2- XX/XX/XXXX at XXXX approximately {$1300.00}, XX/XX/XXXX at XXXX {$1200.00}, XX/XX/XXXX at XXXX {$880.00} Initially I paid for a service, after seven days they contacted me again to ask for more money ( this was not part of the agreement that was made in the beginning ). However, I agree to pay with the commitment that they will return the money. After the second payment was processed they accepted it and stopped communicating with me.

After two days they answered me but again asking for more money. Claiming that I would need to make another payment in order to get all my money back, otherwise I would lose it entirely. I agreed to pay one last time, I sent them the money with proof of address of the virtual wallet that they had given me previously. However, it turns out that this time they completely stopped answering any of my messages and calls. 

Lastly they answered me yesterday, XX/XX/XXXX, saying that I have to make a payment once again, they up to this day claim that they never received any money on my behalf. I have been contacting them non stop while sending them proof of payments and transactions but once again they either ignore my calls and messages or claim that these payments have not been completed. 

I called my bank about these payments, since those payments came out from my bank account to a third account to make the payments that I mentioned, but they refuse to make any type of refund, I have proof that the merchant does not want to accept that received my money and continues to ask me for more money

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Bank of America denied my claim of XXXX $ at a XXXX XXXX. First of all, I had my credit card in my possession. I dont understand HOW OR WHY a person can have 2 different credit cards with the same account with the same bank. 
The fraudulent charge was made with another credit card ON MY NAME. They denied my claim giving me stupid reasons : because my pin was used or that I signed the receipt which means I was there and approved the transaction. YOu dont need a PIN to use a credit card and for the signature, my name is on the card! 
WHY would 2 CREDITS CARDS with the same account be ever activated? 
Mind you they sent me those alerts messages asking if it was me that day which I REPLIED NO but they still went ahead and approved the transaction. 

I have been with this bank for close to 10 years now, no priors or similar problems ever occurred. I have been calling for weeks to get a solution the only answer they keep giving me is to WAIT. 

Also, as you will see on the photo, there was a previous attempt to use my card on an XXXX XXXX for XXXX in XX/XX/XXXX that was declined. I called to let them it wasnt me and the person I spoke to didnt advise me to file a claim since the transaction was declined that day. Four months later a different card ( with my name ) was used at a XXXX XXXX  and they charged me even when I reply NO to the alert message and they denied my claim?

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 2020-12-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I would like to make a complaint against LVNV Funding LLC and XXXX XXXX XXXX. I have sent a request for the creditor collection agency to validate the debt they are claiming. The company in return went and filed a lawsuit against me in Covit-19 and has a pending status on me. They have not responded to my request for debt validation and are still sending me letters to pay a debt that was not verified. Now I am being harassed by lawyers to defend myself against this unvalidated debt. I have also requested the 3 credit bureau to take action to have the debt verified and they just sent me a statement saying that they will not remove it and is updated.

I found this action to be taken against me to be very ridiculous and out of order that I came home to hear that I had police knocking at my door than leaving an orange sticker at my resident door saying this is a civil matter call me. I looked up the code that was listed on the sticker and seen that it was the same company that I asked to validate this debt. 
I have also had XXXX XXXX XXXX not verify their debt as well and have taken the same measure with the 3 credit bureau to have this debt to be validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Goldman Sachs issued me an apple credit Card through an XXXX account I had separate on my XXXX. XXXX was stolen and i called right away to report it. Unable to retrieve it I endured unauthorized charges to which the company couldnt explain yet Im being billed continuously monthly for charges that are not listed on my bank statement or that they can explain. They told me they cant access the transactions and only I could do it through an XXXX  account I cant get into. This being said, they offered to mail me the itemized statement. I received an itemized statement with no charges shown but a total amount of {$430.00} to Be paid. They wont dispute or close my account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: LA

Complaint narrative:
My loan got sold from XXXX XXXX to Rushmore loan Management which is a collection agents. I never miss or was late on a payment ever of any kind. When contacted company for first time I asked when I make payments more than what's do will they go to principal they said sure and I did not have to call it would be auto. I started making double payments per month and checked a couple a months later to find out they where applied to future payment as if they were being paid on time the month they were due. So I didn't have a payment due for three month, so when I waited for the next due date cause they would not answer by calls or e-mails to them. The next on time payment was applied all to interest no principal so my wife and me with XXXX credit score went shopping and changing to XXXX XXXX  for lower rate and better service, I was done wrong and want it to be known and reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Equifax has reinserted information on my credit report that was not investigated nor validated. As I explained in previous complaints I am not a resident of Ohio, I do not own property in Ohio, I am a Nevadian, a resident of Nevada and has been so for almost 10 years. XXXX XXXX  has been reinserted when it does not belong to me, I have sent equifax my XXXX XXXX file whom equifax gets there information from which is a third party whom is not THE ORIGINAL FURNISHER! When investigating or validation the ORIGINAL FURNISHER is the only one that can validate a account. These third party companies does not qualify for disputes. I have sent in numerous documentation meaning passport, utility bill, XXXX XXXX credit file, and method of verification letters asking for documentation and equifax refuse to send the information requested. I continuously have disputed unauthorized inquiries and accounts an equifax removes everything that I did not dispute. Equifax has removed accounts that is in fact MY accounts that I did not have on the dispute making my credit and score look horrible. This ongoing situation has to stop immediately! I have seeked legal consumer representation and I will not stand for the Pre-made letters that equifax keeps sending to my home. I have built a paper trail and I send my disputes certified for a reason so if I have to sue equifax I will have all my certified documentation. THE ONLY ACCOUNTS THAT SHOULD BE ON MY CREDIT REPORT ARE : XXXX XXXX, XXXX  XXXX/XXXX, XXXX/XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX , XXXX XXXX, XXXX. I HAVE LIVED HERE SINCE XX/XX/XXXX MY ADDRESS IS XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX NEVADA XXXX, MY JOB IS XXXX AND HAS BEEN SINCE XX/XX/XXXX AND MY OTHER JOB IS XXXX. I AM NOT A HOME OWNER NOR DO I RESIDE OHIO.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12 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: Auto Trakk, LLC
State: OH

Complaint narrative:
Claim submitted ( XXXX ) to the CFPB on XX/XX/2020 with complaint about Auto Trakk , LLC, lease servicer for Lycoming Auto Trust for incorrect reporting on credit report. The debt owed was paid on XX/XX/2020 in the amount of {$2100.00}, the agreed amount between both parties involved and was to be reported as Paid in full with {$0.00} balance and Closed while the status is reported as such ; Auto Trakk is continuing to report monthly as a Voluntary Surrender which is inaccurate. The Credit Reporting Agencies have a clear policy, as stated in their common reporting manual, XXXX XXXX XXXX XXXX XXXX, that the furnishers are to discontinue regular updated reporting after a CLOSED, delinquent account is PAID ; however if Auto Trakk/Lycoming are to make continued, regular updates, they must still comply with the FCRA ( Fair Credit Reporting Act ) by not knowingly being accurate. Being that the debt has been paid and closed, this company is failing to comply by monthly reporting as a Voluntary Surrender ( a delinquent status ) under my payment history status ; to which the account is no longer delinquent. Thus, my complaint and contesting is the accuracy of the reporting as any updating reporting in any month after the debt was paid must report the status as PAID, OK, or a non-delinquent status that reflects the current status of the payment history. 

Under the FCRA 611 my complaint is Valid and disputable as Auto Trakk/Lycoming continued reporting in XX/XX/2020, XX/XX/2020 and XX/XX/2020 as a Voluntary Surrender is inconsistent and clearly inaccurate. Again, I ask that the trade line be deleted from the credit bureaus based on the evidence attached and the multiple submissions of disputing to correct this matter as Auto Trakk/Lycoming has failed to comply with rules of the FCRA causing damage to my credit worthiness and knowingly misrepresenting the payment history status after being notified through disputes, verbally through phone calls, complaints, and emails.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I check my credit reports, with the three bureaus and always wondered why my XXXX  profile never reflected onto my XXXX  and XXXX  page. With the hard inquiries I already disputed months ago with XXXX, deleted inquiries, I never asked for and so on. For XXXX  and XXXX  I learned that every credit bureau is different and doesn't update your profile based on what the other credit bureau does on your credit file. So for XXXX  and XXXX  I had to re dispute those hard inquires that were still on my credit file. For my XXXX  credit report I have a hard inquiry dating back XX/XX/XXXX, called CBNA. I called CBNA ( Citibank ) on XX/XX/XXXX, Citibank personal, Citibank business, and Citibank credit card customer service, gave them my social number and all told me they don't see an application for that date, etc. I call Citibank in the first place because I ask XXXX  to explain what is their dispute process, etc. They obviously told me contact the company of the inquiry, which I did. I spoke to about 5-6 Citibank agents because all of them clearly didn't see an application and really couldn't help me because they told me I would have to speak with XXXX. I asked for a letter from Citibank to give as documentation for XXXX, but seems they can't provide that. So I called XXXX  explaining the situation, which they probably don't believe me because at the end I can't provide documents, but its not my fault. So it's basically back and forth. So I disputed over 2-5 times of that false information because Citibank stated they don't see an application for XXXX, XXXX, XXXX. So it was authorized by me because I never wanted a Citibank credit card. Obviously me just disputing that hard inquiry through XXXX  website they never delete the hard inquiry, all they say is hard inquiries are a factual thing. I may understand due to no documents, but if I spoke with Citibank, they couldn't find that application and stuff, this hard inquiry might be a mistake? If in the dispute results show they didn't delete the inquiry then that means Citibank told me false information and XXXX  something different. I gave Citibank my social security number and every other personal information, which they have recorded lines and they all state they didn't see that application, dating XX/XX/XXXX.

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 2020-12-12 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: IL

Complaint narrative:
I wrote2 letters to equifax regarding getting old addresses that I never lived at and needs to be deleted from my record as I never lived at these addresses yet they ignored my letter and i this is a time consuming process to send out letters and to get absolutely no response on my letterdated XX/XX/20 was ignored not a change its XXXX no letter saying they deleted a simple request the addresses were XXXX XXXX, XXXX  XXXX XXXX  XXXX XXXX XXXX il XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX Tennessee XXXX XXXX XXXX XXXX ilXXXX XXXX XXXX XXXX XXXX XXXX Il XXXX And acknowledge my mailing address is XXXX XXXX XXXX, ilXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12 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: NY

Complaint narrative:
On XX/XX/XXXX I purchased four tours with XXXX for a future trip to XXXX, using my Citibank Credit Card. 

When the international borders were officially closed due to Covid, I attempted to cancel the tours and get my money back from the merchant, XXXX Merchant refused to give my money back and offered vouchers I then contacted Citibank to dispute the charges. 

Citibank opened a dispute on XX/XX/XXXX ( see XXXX billing info attached ). I was issued a temporary credit until this matter was resolved. This was a very convoluted process with Citibank since customer services did a poor job answering my questions. 

On XX/XX/XXXX, Citibank reversed the credit and resolved the issue in favor of the merchant. Within the same billing statement there was a temporary credit in my favor XXXX XX/XX/XXXX XXXX and a reverse of the credit in favor of the merchant ( XX/XX/XXXX ). This information can be found in my XXXX Invoice, which is attached. 

On XX/XX/XXXX when the XXXX statement was due, I paid it in full through " Auto-pay ''. Therefore, despite disagreeing with the resolution, I paid the amount owed to XXXX. 

On XX/XX/XXXX, Citibank issued a new statement with three new charges for XXXX. 

On XX/XX/XXXX, upon verifying the statement, I called Citibank to dispute these charges, since I had already paid for them in as it can be verified by the XXXX statement ( also attached ). 

This resulted in endless calls with Citibank customer service, dispute center, and fraud department. 

On XX/XX/XXXX After multiple attempts to resolve the matter with Citibank, I filed a complaint with CFPB ( Complaint Number XXXX - also attached ) On XX/XX/XXXX - Citibank, through Auto-pay, charged me the full payment for the XXXX billing cycle, minus " credit '' for part of the dispute they claimed they overcharged. ( Please see " Account information document attached ) On XX/XX/XXXX, I received a letter from Citibank explaining that these charges were not fraudulent, but rather in reference to the XXXX dispute. ( Please see " Reply from Citi attached ) On XX/XX/XXXX, I called customer service again. She informed me I could open a dispute. However, I am here going in circles with Citibank, trying to explain to them, since XXXX, that I already paid for the reversal of credit in favor of the merchant. They are now billing me twice and they deducted this amount from my auto-pay twice, as you can verify by the records 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
Consumer complaint received 2020-12-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ATG Credit, LLC
State: IL

Complaint narrative:
I keep getting hits on my credit from ATG Credit LLC. I disputed the collection twice through the XXXX  app first on XX/XX/2020 then XX/XX/2020. And my reason for disputing it was because I paid off the debt. Each time they removed it. And after that, I contacted them in XXXX once they yet again tried to add it to my credit again. The person I spoke to was very rude and said they would reach out to the place in which I went to get the medical services then ended the conversation with me. Which resulted in them taking the collection off of my account for the third time. This is the FOURTH time they have put this back on my credit. And when I contact them they always want my full name, social, address, email, and phone number. I feel highly harassed by them at this point.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12 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: OH

Complaint narrative:
Looking over my credit report and notice there were fraudulent accounts that does not belong to me and never authorized any contracts and business with these companies. 
The following accounts are listed below : XXXX  XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX

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 2020-12-12 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:
show tooltip button XXXX XXXX XXXXDispute Chapter XXXX bankruptcy petitionDispute Chapter XXXX bankruptcy dismissedDispute ftc violations please remove names : XXXX XXXX XXXX XXXX XXXX XXXX not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK
State: FL

Complaint narrative:
Discover et al is failing to post payments made on the account weeks after they have posted cleared on my bank account. They are systematically doing so in order to charge additional fees. And Discover et al is falsely reporting derogatory information on my credit report as a result of their accounting practices. I contacted them regarding this problem and they removed the fee, but when I checked my account a few days later, they still had not posted the payment made nearly a month ago nor the one that was made in the past 2 days.

Company response to consumer: Closed with explanation