vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-11 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:
This is regarding my Citibank AAdvantage Platinum Credit Card. 

There was a company I had transactions with prior to XX/XX/XXXX. Sometime between XX/XX/XXXX and XXXX XXXX of XXXX, I had lost my card and noticed this within the next few days, at which time I called Citibank to report my card lost or stolen. There were 12-18 charges made between XX/XX/XXXX and XX/XX/XXXX on this card by this single merchant. When complaining to Citibank, they originally marked it down as fraudulent, some as dual charges, overcharges, or have not received the service. All of these were marked incorrectly and I therefore had to call back 7 documented times to report that these were UNAUTHORIZED charges and should therefore be removed from the account. Citibank has gotten responses from the merchant that there is verification of a charge. After reviewing the responses with Citibank, it was determined that there is no proof I made the charges, rather that my card was simply used. I was also informed that since Citibank did not document the dispute properly that I have a higher chance of losing. I spoke to people in group ID XXXX to discuss. One of those spoken to was XXXX who had promised to fix it all on XX/XX/XXXX. 3 more calls had to be made afterward and nothing has been resolved. Currently Citibank is charging me for over {$4000.00} of charges that I have not made. My response was to please prove that I personally made the charges being that there will be no way to prove it being that it wasn't actually me. Citibank at one time had the merchant on the phone on XX/XX/XXXX. Citibank was ok with the questions the merchant was asking such as : what is your social security number. This is all on the recorded call on that date. I do not believe a merchant has a right to ask that, nor do I believe Citibank should agree with such action. 

Overall, Citibank has treated me horrendously through the process and I am looking for some way to challenge these charges and not have to pay for charges I have not made.

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 2019-04-11 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
In XXXX of XXXX, someone fraudulently opened a credit card account with USAA in my name and started taking cash advances. I told USAA it was fraud but they didn't believe me and repeatedly told me I had to pay the balance. For months, I spoke to people at USAA who told me they would help but the bank made it impossible to reach anyone who actually had the power and desire to help me. I just kept getting told it wasn't fraud and I was responsible. Finally, on XX/XX/XXXX, I submitted claim XXXX with the CFPB. Two days later, I got a call from USAA 's office of the CEO and the next day they called back to tell me it wasn't fraud and they would delete all negative information from my credit report. On XX/XX/XXXX, I received a letter from USAA stating the account was a fraud and they would delete the credit inquiry from my report. On XX/XX/XXXX, I called XXXXXXXX XXXX XXXX XXXXXXXX from USAA 's office of the CEO to verify they would delete all of the information, not just the inquiry. She never called back. I tried her several more times and never got a response. On XX/XX/XXXX, I sent a letter to CFPB and USAA explaining that USAA has not done everything they were supposed to. On XX/XX/XXXX, I got a call from XXXX of the CEO 's office who said he would look into it. On XX/XX/XXXX, XXXX called again and told me USAA should've paid off the debt internally so they could report to the credit agency that the debt was settled but he didn't know why that didn't happen. He said it would be cleared by XX/XX/XXXX and my credit report would be updated by 45 days from then. On XX/XX/XXXX, I checked my credit report and the delinquent payment was still there and my score was still 200 points lower than it should have been. I called XXXX and got no call back. On XX/XX/XXXX, XXXX called and left me a message. I finally got in touch with her on XXXX. She said she would figure out what happened and get back to me. I left several voicemails for her over the following week and a half but got no replies. I sent new letters to USAA and CFPB on XX/XX/XXXX. On XX/XX/XXXX, XXXX from the CEO 's office called. He said he had to contact the credit department to find out what happened and would call me back by the end of the week ( XX/XX/XXXX ). I never heard back from him. I left voicemails for XXXX on XXXX, XXXX, XXXX, and XX/XX/XXXX. I got no responses. USAA continues to ignore their responsibilities and how much this issue is affecting me. My credit score is still approximately 200 points lower than it was prior to the fraud.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-11 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: CA

Complaint narrative:
The reason I am writing to you is to inform you that This Company is not Adhering to Credit reporting laws in my Case. I sent my identity theft dispute to this company on XX/XX/XXXX. With my dispute, I attached all the relevant documentation to prove to them that I am A VICTIM OF IDENTITY THEFT. I know the law give this company around 4 to 5 days to completely block all fraudulent information from my report but until now, this company is still showing those fraudulent accounts. 
For yet another time, my personal information was compromised and as a result, fraudulent charges were included on my accounts without my consent or authorization. I want to state it crystal clear here that I did not benefit with anything whatsoever from this fraudulent charges included on my accounts. 

Below are the fraudulent charged accounts that I need to be removed Asap : XXXX XXXX, Opened Date XX/XX/XXXX, Balance {$6700.00} I am attaching Required Documentation to prove that I am a victim ; 1. The letter I sent to this company as my dispute 2. My FTC report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
As a victim of identity theft I have been unable to get things removed from credit report because the companies involved still try to say it is my account. When it is not. VICTIM OF IDENTITY THEFT

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 2019-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
As a victim of identity theft I have been unable to get things removed from credit report because the companies involved still try to say it is my account. When it is not. VICTIM OF IDENTITY THEFT

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 2019-04-11 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Quick Bridge Funding, LLC
State: NC

Complaint narrative:
Currently have a loan through Quickbridge. All payments are current but I will be shutting down my business shortly. Im halfway through the loan and have been trying to make arrangements for payment modifications in order to continue to pay. All efforts have been denied and a lawsuit threatened if the current schedule was not kept.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dynamic Recovery Solutions, LLC
State: CA

Complaint narrative:
A debt collection company called " Dynamic Recovery Solutions '' has been harassing me non-stop daily for about 6 months now. They are calling about a debt that is years past the statue of limitation. They are trying to trick and bully me into making a payment to reset the SOL. I have asked them repeatedly to stop calling me and to take my number out of their robocalling system. They have ignored me even though I have stated the debt is not valid and I am on the do not call registry and do not give them permission to call me. 

I would like to take legal action against this company for harassing me almost daily with robocalls. I am now starting to keep a log of these daily calls to sue them. In the past they have called around 30 times so far. They call at all times of the day and night, weekends as well. They are relentless and these calls are giving me mental and physical stress. 

Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-11 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: NC

Complaint narrative:
I requested credit investigations on XX/XX/XXXX. XXXX and Trans Union were supposed to respond within 30 days but have not. Its been over 45 days, and I still haven't received anything from XXXX and Trans Union. XXXX did respond in a timely manner.

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 2019-04-11 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: CITIZENS FINANCIAL GROUP, INC.
State: KS

Complaint narrative:
My wife XXXX XXXX in XX/XX/XXXX, I discovered in her papers a VISA gift card in the amount of {$100.00} that expired XX/XX/XXXX. I contacted the name of the financial institution on the back of the card XXXX XXXX XXXX. nka XXXX XXXX. In the first call I was directed to take the card to a branch of the bank because this was as good as cash. I had to search for the nearest branch as the agent on the phone did not have access to that information. I searched online and discovered that the nearest branch is in XXXX. I live in XXXX. I called back to see if there was a way to handle this transaction by mail. The next agent advised that the card expired and the funds were no longer available. I asked for an address so that I could make claim or complaint in writing. The agent put me on hold to find an address and I was disconnected. I understand the the fine print on the back of the card states " The monthly administration fee of {$2.00} will be waived for 12 months. On the 13th month following activation the {$2.00} fee will be deducted from the balance of the card, except where prohibited by law. This is fundamentally wrong. What cost of administration. The bank is, at a minimum, earning interest on this money. The individual who purchased this card paid an administration fee up front when the card was activated. I am filing the complaint because the {$100.00} is not significant unless one considers the amount of money the bank accumulates from " expired gift cards. If anything the bank should be paying interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 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: GA

Complaint narrative:
According to the FRCA it is a violation to report monthly payment and payments on a closed account. Equifax refused to remove the accounts from my credit report. I have dispute letter and factual documentation. I have requested Equifax to remove the accounts. 

XX/XX/2019- Dispute letter and copy of credit report sent out to Equifax . 

XX/XX/2019- Dispute letter and copy of the credit report sent to Equifax . 

XX/XX/2019- I have sent out a copy of the credit report and dispute letter

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Happy Money, Inc.
State: NY

Complaint narrative:
Payoff.com, misrepresented how much I owed them in XX/XX/2019. When I refinanced my home, I sent them a check for the balance they quoted me also in XX/XX/2019. Turns out, they wanted {$66.00} more dollars. I tried to explain I paid the amount they said and they said well the quoted amount did not include interest. 

I had been paying the loan off in monthly installments, automatically, for over a year. All the interest was built into the payments. 

They began harassing me in XX/XX/XXXX calling my cell phone during work hours, texting, emailing, all for XXXX XXXX I use my cell phone for work, was very embarrassing. 

I agreed to pay the full amount in XX/XX/2019. I asked XXXX XXXX of the collections department if they reported me to a credit bureau which they did. I was livid. Here was a company, I borrowed XXXX from, paid every month from my account automatically and they are trying to hurt my credit for {$66.00}. 

I asked if they could write a letter to the credit bureau to indicate a mistake reporting my account delinquent and XXXX XXXX refused.

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 2019-04-11 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: NC

Complaint narrative:
I requested credit investigations on XX/XX/XXXX. Equifax and XXXX XXXX were supposed to respond within 30 days but have not. Its been over 45 days, and I still haven't received anything from Equifax and XXXX XXXX. XXXX  did respond in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Information was incorrectly reported concerning a late monthly payment on a Mortgage, documentation from the mortgage company stating that month was paid on time was provided, mortgage company provided evidence it re-reported correct information, yet I had extreme difficulty opening a dispute, and once the mortgage company resolved the issue 4 MONTHS LATER, I continue to have difficulty cancelling the dispute. This complacency and apathy on the part of Equifax is jeopardizing home refinancing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 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: CITIBANK, N.A.
State: IN

Complaint narrative:
Mortgage account was closed and transferred to another lender. I have a good reporting status with this account for 16 years, but now account shows as closed. It was the longest reporting account I had, but now has negatively impacted my credit score by XXXX points due to closing status!

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 2019-04-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
I have a personal ( non business ) PayPal acct Last week I received an email saying aXXXX acct had been set up for me due to a CFPB regulation which had just taken effect. It is for holding cash balances. I do not ever have cash balances in PayPalI use it only to pay for goods and the PayPal is linked to my credit card. I have tried several times to reach PPal to tell them I do not need or want this acct. Each time I call, I go through their phone tree and then the call goes to busy and disconnects when I try their email form to request help, I get the message not currently available I want to know if the setup of this acct really is required by a CFPB regulation. And I want to know how to close this XXXX acct which was set up without my permission. Also, how do I get through to PayPal currently without getting hung up on or told e-mail help isnt available?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I purchased what I thought was a legitimate prescription online. Instead, what I received was an alternative fraudulent, counterfeit drug. The packaging, the brand name, and the actual pills were completely different. I later found out that in fact, this is a controlled substance and can not be purchased online. I promptly requested to return the merchandise ( the same day of receipt ) with the retailer but they refused to accept any returns. I disputed this with my bank ( Bank of America ) but the claim was denied. 
The retailer has since disappeared, the phone number is disconnected and its website is no longer active.

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 2019-04-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Outsource Group, Inc
State: CA

Complaint narrative:
I filed a claim with my insurance and received a letter that the hospital debt was cleared. 

Only to see Debt collector report 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 2019-04-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Orion Capital Solutions LLC
State: FL

Complaint narrative:
On XX/XX/2019 I received a call at work in regards to an " unresolved business matter '' from XXXX at Orion Capital Solutions ( I believe that is the spelling ). He said he needed my input for a file that he needs to sign off on. I requested a Validation Letter and he stated they ONLY communicate via email ( in real time to verify delivery of the email ) and no longer submit anything via the postal service because of legal reasons and because phone calls are recorded. He did not state before this that the call was being recorded and it actually took him a minute into the conversation to even say who he was calling from. I again requested a validation letter and he said he would email it to me with the email address I provided. I told him he could call me the next day ( today ) to verify I did receive the letter. It has been over 24 hours and he has not called and I have not received a validation letter via email and I have checked both the junk email box and inbox numerous times. He stated during the conversation that he would have to call me back because his phone number/address would not be on the validation letter. I asked about doing communication via mail again and he said they do not receive/or send anything by postal service because it costs them too much and for legal reasons since the calls are recorded.. After I hung up with him I noticed a blocked voicemail on my personal phone that was from him. The call was from XXXX and in the message he gave his name but not where he was calling from and stated he was calling about an unresolved business matter and needed my input. He then gave the phone number XXXX ... that is the only time I received a phone number. Again I have not received any kind of communication other than this phone call and voicemail. 

I have no actual documents ( since he did not send anything ) but I did save the voicemail he left on my phone.

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 2019-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC
State: TX

Complaint narrative:
Back in XX/XX/XXXX I checked my credit report and I noticed a collection account was place on my credit report. I did not recognize the information shown in my report so I contacted the company by register mail on XX/XX/XXXX demanding verification and validation for the unknown account ( XXXX ). but my attempt was ignore, I did not received proof that account is valid or mine, I even waited more than the the 30 days they are allowed to respond ; by not hearing from the company I decided to try again and ask for verification and validation a second time on XX/XX/XXXX but I found the the same results. Once again the company chose to ignore the letters I send them knowing they were received and signed by them on XX/XX/XXXX and XX/XX/XXXX. This is damaging my credit and is been hard for me and my family to obtain credit. This is my last attempt to resolve this issue and have the company delete the defamation they placed on my report. This is the last attempt before I take this to the small claim court. I have noticed the company had violate several federal laws for this I will be seeking compensation for the damages and violations caused by the erroneous reporting they have reported.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation