vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-23 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: CITIBANK, N.A.
State: FL

Complaint narrative:
In XX/XX/2020 I purchased airline tickets for my family and I to take a vacation in XXXX. I used two vendors, XXXX XX/XX/XXXX and XX/XX/XXXX via a broker named XXXX. Prior to the flights I tried to cancel with the airlines due to Covid, but they would not make any changes due to Covid. On the day of my flights the airline told me we could not fly due to a ban on US travelers going to XXXX. Upon the airline failing to take my family and I to XXXX I disupted on my credit card. Citibank is my card company and they did absolutely nothing to assist me in the dispute. At each turn they failed to objectively look at the dispute and ended up charging my card for {$4500.00} of flights that I did not use. Citi would put me on hold for hours at a time and fail to return phone calls. In the end Citi 's negligence in handling the dispute caused them to lose the chargeback and they have since billed and I have paid the {$4500.00}. This should be wrong yet no one at Citi will do anything except off a " were sorry '' {$250.00} credit.

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 2020-11-23 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: International Computer Systems, Inc.
State: AR

Complaint narrative:
I do not have the exact date but know it was between XX/XX/2020 to XX/XX/2020. I recvd a call from FCS located on XXXX XXXX in XXXX XXXX, Ar. ( I know because I am their XXXX  XXXX  ) I refused to verify any of my info the rep asked for due to the fact, i know their telephone number and specifically because twice, the Rep said I am calling from XXXX, NOT FCS but XXXX  twice! This from the get go is extremely deceiving! To me it seemed the rep either covered the speaker or muted the call at the part of S of FCS on purpose!!!! Not one but twice! I am assuming that she knew me or of me XXXX   XXXX  and dis not want me to know it was FCS XXXX XXXX XXXX!!! This company records down to your XXXX XXXX numbers so I am certain they have this call recording!!! I do not want these folks contacting me!!! If they need something they can just sue me and I will deal directly with the court system! 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have disputed the inaccurate reportings with TransUnion, XXXX, and XXXX several times to no avail. The following addresses are incorrect and do not belong to me, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. I never paid the following accounts late, XXXX XXXX : TransUnion is reporting a payment status of current but then reporting late payments of 30 days late for XX/XX/XXXX, XXXX and XX/XX/XXXX, 60 days late in XX/XX/XXXX, XXXX is reporting a payment status of current but then reporting late payments of 30 days late for XX/XX/XXXX, XXXX and XX/XX/XXXX, 60 days late in XX/XX/XXXX and XXXX is reporting a payment status of current but then reporting late payments of 60 days late for XX/XX/XXXX, and 30 days late for XXXX and XX/XX/XXXX, XXXX : TransUnion is reporting a payment status of Late 30 Days but does not provide the dates the account was 30 days late, XXXX is reporting a payment status of Unknown and not reporting any late payments, XXXX is not reporting this account. The following accounts do not belong to me and should be removed from my credit file, XXXX : Account Number : XXXX TransUnion is not reporting this account, XXXX is not reporting this account XXXX is reporting an opened date of XX/XX/XXXX with a past due balance of {$600.00}, XXXX XXXX : Account Number XXXX TransUnion is not reporting this account, XXXX is not reporting this account and XXXX is reporting an opened date of XX/XX/XXXX with a past due balance of {$890.00}, XXXX : Account Number XXXX TransUnion is reporting an opened date of XX/XX/XXXX with an unknown past due balance, XXXX is reporting an opened date of XX/XX/XXXX with an unknown past due balance, XXXX is not reporting this account, XXXX XXXX Account Number XXXX TransUnion is not reporting this account, XXXX is reporting an opened date of XX/XX/XXXX with an unknown past due balance and XXXX is not reporting this account, Chapter XXXX Bankruptcy Reference # : XXXX TransUnion is reporting a filed date of XX/XX/XXXX and a closing date of XX/XX/XXXX, XXXX and XXXX are not reporting this bankruptcy. I have reached out to the credit bureaus to help me in getting this matter resolved. Is TransUnion, XXXX and XXXX considered to be furnishers? These accounts either do not belong to me or were not paid late and TransUnion, XXXX and XXXX have failed to plead their case to who has provided them with this false information. Please help me to get this matter resolved.

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 2020-11-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: DISCOVER BANK
State: GA

Complaint narrative:
I am no more than 15 days late on my credit card payment with Discover. I have let the company know that I would be making my payment on Friday. Times are hard with me missing work in the beginning of the pandemic and catching up seems to be a never ending process but I will get there. The company continues to call me at least 6 times a day. This morning as I am on the phone with a rep from the company another rep was beeping in. I nicely explained to the lady that if they continue to harass me in regards to the payment I will not be sending them any money. A call a day is plenty.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2020-11-23 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
American Express has failed to abide by legal rights of consumers for fraudulent charges in the following ways:

"unauthorized charges. Federal law limits your responsibility for unauthorized charges to $XXXX;" - They charged me $XXXX for a fraudulent unauthorized charge.

"charges for goods and services you didn't accept or that weren't delivered as agreed;" - I did not accept the services and the the merchant attempted to deliver services that were substantially not as described and agreed.  The merchant also made false claims which American Express accepted without any evidence, proof or documentation.

"If the creditor determines that you owe a portion of the disputed amount, you must get a written explanation. You may request copies of documents proving you owe the money." American Express has claimed I owe the full amount but they have not provided any written explanation or any documents proving I owe the money despite multiple requests.  I do not owe the money, I refused the services.

"If the creditor's investigation determines the bill is correct, you must be told promptly and in writing how much you owe and why. You may ask for copies of relevant documents. "  No documentation has been provided despite multiple requests.  No reasonable explanation has provided regarding what I owe and why.  American Express has only repeated the false claims of the merchant stating that I was a "no show" rather than the truth that I refused the services.  There was no representative of the merchant on site that could attest to whether I showed up or not (I did).

"If you disagree with the results of the investigation, you may write to the creditor, but you must act within 10 days a

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Hello, I've looked at my credit report earlier this morning and saw a few fruadelent accounts on it. Ive contacted the creditors and they inform me to reach out to the credit bureau which i did. They advised me to get a ftc report and i have attached that. I am requesting that these accounts be removed from my credit report. These accounts are not related to any transactions done by myself.

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 2020-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Hello, I've looked at my credit report earlier this morning and saw a few fruadelent accounts on it. Ive contacted the creditors and they inform me to reach out to the credit bureau which i did. They advised me to get a ftc report and i have attached that. I am requesting that these accounts be removed from my credit report. These accounts are not related to any transactions done by myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL

Complaint narrative:
I transferred some points from my HSBC World Elite MasterCard on XX/XX/XXXX to an airlines partner. This usually takes 2-3 days in my experience, but the confirmation and the email always state it can take up to 14 days. Points had not been transferred on XX/XX/XXXX, so I called HSBC. It took me 20 minutes and multiple calls navigating their imposible to use phone system to get a hold of somebody in the rewards department. That person didnt even know you could transfer points to airlines, basically she didnt know her know. So again I had to hang up and call again. Next I got a person who at least had an idea, but asked me to call next day, on the XXXX. I called the next day and every day after that, and nothing. They opened a case for me on the XXXX. Case number XXXX. Every time I call and provide this case number, I get the same answer. Oh you have to call later. No resolution. Nobody knows anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XX/XX/XXXX Disputed Fraudulent items with FTC report, Experian ignored dispute XX/XX/XXXX Disputed Fraudulent items with FTC report, Experian ignored dispute XX/XX/XXXX Disputed Fraudulent items with FTC report, Experian ignored dispute XX/XX/XXXX Disputed Fraudulent items with FTC report, Experian ignored dispute XX/XX/XXXX Disputed Fraudulent items with FTC report, Experian ignored dispute XX/XX/XXXX Disputed Fraudulent items with FTC report, Experian ignored dispute XX/XX/XXXX Disputed Fraudulent items with FTC report, Experian ignored dispute Both XXXX  and XXXX complied with FTC and blocked fraudulent items previously erroneously confirmed as validated by creditors. Experian states that it is their new internal policy to ignore disputes once a company has validated a fraudulent account one time. They refuse to reinvestigate and cancel all disputes submitted without permission. I have uploaded my latest FTC report and letter which was submitted to them XX/XX/XXXX. The law requires that they block the accounts listed as there is no reasonable assessment that would allow the fraudulent items to remain when they were all blocked for the second time by both XXXX  and XXXX. Experian received the same documents in the dispute letter I wrote to them as it credit bureau counterparts.

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 2020-11-23 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have disputed the inaccurate reportings with XXXX, XXXX, and Equifax several times to no avail. The following addresses are incorrect and do not belong to me, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX. I never paid the following accounts late, XXXX XXXX : XXXX  is reporting a payment status of current but then reporting late payments of 30 days late for XX/XX/XXXX, XXXX andXX/XX/XXXX, 60 days late in XX/XX/XXXX, XXXX  is reporting a payment status of current but then reporting late payments of 30 days late for XX/XX/XXXX, XXXX andXX/XX/XXXX, 60 days late in XX/XX/XXXX and Equifax is reporting a payment status of current but then reporting late payments of 60 days late for XX/XX/XXXX, and 30 days late for XXXX and XX/XX/XXXX, XXXX : XXXX  is reporting a payment status of Late 30 Days but does not provide the dates the account was 30 days late, XXXX  is reporting a payment status of Unknown and not reporting any late payments, Equifax is not reporting this account. The following accounts do not belong to me and should be removed from my credit file, XXXX  : Account Number : XXXX XXXX  is not reporting this account, XXXX  is not reporting this account Equifax is reporting an opened date of XX/XX/XXXX with a past due balance of {$600.00}, XXXX XXXX : Account Number XXXX XXXX is not reporting this account, XXXX  is not reporting this account and Equifax is reporting an opened date of XX/XX/XXXX with a past due balance of {$890.00}, XXXX : Account Number XXXX XXXX  is reporting an opened date of XX/XX/XXXX with an unknown past due balance, XXXX  is reporting an opened date of XX/XX/XXXX with an unknown past due balance, Equifax is not reporting this account, XXXX XXXX  Account Number XXXX XXXX is not reporting this account, XXXX  is reporting an opened date of XX/XX/XXXX with an unknown past due balance and Equifax is not reporting this account, Chapter XXXX Bankruptcy Reference # : XXXX XXXX  is reporting a filed date of XX/XX/XXXX and a closing date of XX/XX/XXXX, XXXX  and Equifax are not reporting this bankruptcy. I have reached out to the credit bureaus to help me in getting this matter resolved. Is XXXX, XXXX  and Equifax considered to be furnishers? These accounts either do not belong to me or were not paid late and XXXX, XXXX  and Equifax have failed to plead their case to who has provided them with this false information. Please help me to get this matter resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 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: GA

Complaint narrative:
I have disputed the inaccurate reportings with XXXX, Experian, and XXXX  several times to no avail. The following addresses are incorrect and do not belong to me, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. I never paid the following accounts late, XXXX XXXX : XXXX  is reporting a payment status of current but then reporting late payments of 30 days late for XX/XX/XXXX, XXXX and XX/XX/XXXX, 60 days late in XX/XX/XXXX, Experian is reporting a payment status of current but then reporting late payments of 30 days late for XX/XX/XXXX, XXXX andXX/XX/XXXX, 60 days late in XX/XX/XXXX and XXXX  is reporting a payment status of current but then reporting late payments of 60 days late for XX/XX/XXXX, and 30 days late for XXXX and XX/XX/XXXX, XXXX : XXXX  is reporting a payment status of Late 30 Days but does not provide the dates the account was 30 days late, Experian is reporting a payment status of Unknown and not reporting any late payments, XXXX is not reporting this account. The following accounts do not belong to me and should be removed from my credit file, XXXX  : Account Number : XXXX XXXX  is not reporting this account, Experian  is not reporting this account XXXX   is reporting an opened date of XX/XX/XXXX with a past due balance of {$600.00}, XXXX XXXX : Account Number XXXX XXXX is not reporting this account, Experian is not reporting this account and XXXX  is reporting an opened date of XX/XX/XXXX with a past due balance of {$890.00}, XXXX : Account Number XXXX XXXX  is reporting an opened date of XX/XX/XXXX with an unknown past due balance, Experian  is reporting an opened date of XX/XX/XXXX with an unknown past due balance, XXXX   is not reporting this account, XXXX XXXX Account Number XXXX XXXX  is not reporting this account, Experian is reporting an opened date of XX/XX/XXXX with an unknown past due balance and XXXX is not reporting this account, Chapter XXXX Bankruptcy Reference # : XXXX XXXX  is reporting a filed date of XX/XX/XXXX and a closing date of XX/XX/XXXX, Experian and XXXX are not reporting this bankruptcy. I have reached out to the credit bureaus to help me in getting this matter resolved. Is XXXX, Experian and XXXX  considered to be furnishers? These accounts either do not belong to me or were not paid late and XXXX, Experian and XXXX  have failed to plead their case to who has provided them with this false information. Please help me to get this matter resolved.

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 2020-11-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I transferred {$50.00} from my Navy Cash Rewards Visa to my savings account on XX/XX/XXXX. I checked my balance on XX/XX/XXXX and the account showed a XXXX  balance. I sent Navy Federal a message twice on the app and they responded and notified me that they took the money to pay off a debt I owed on an old checking account that was closed. My issue is that the money was taken without my knowledge or authorization. They just took the money out of my account without letting me know to satisfy a debt. I asked them to send me a bill. I attached a screenshot of the message reply I received back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I disputed with the Equifax and with the creditors the referred accounts, and requested proof of consumer contract and proof of payment history as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act. XXXX  XXXX XXXX XXXX responded to my request that they were not able to send proof. Under Section 611 ( 5 ) ( A ) of the FCRA you are required to " ... promptly DELETE all information which can not be verified. '' I have disputed these accounts with Equifax and they always respond that the creditors " VERIFIED '' the account. I HAVE NEVER ASKED FOR VERIFICATIONS, I HAVE DEMANDED PROOF OF ACCOUNT AND OF THE LATE PAYMENTS. NO PROOF IS EVER PRESENTED. 

THEY ALWAYS RESPOND TO MY DISPUTES WITH " ACCOUNT WAS VERIFIED. '' I DEMAND TO SEE PROOF!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I uploaded a letter to XXXX, XXXX  and Transunion and asked if they could send me copies of the documents used to verify the accuracy of the account on DATE SUBMITTED. They sent me an alert which said the account was updated and the companies verified my accounts. I asked for proof of any files to verify these accounts and if there are not any, please delete these accounts. XXXX, XXXX or Transunion does not have any files to verify these accounts, nor will they delete it.

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