vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-21 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: SYNCHRONY FINANCIAL
State: KS

Complaint narrative:
In XX/XX/202 we order online a chair and tool box on XXXX. We never received the merchandise, on XX/XX/15 we received our credit card bill from Sams Club MC/SYNCB - showing a charge of {$300.00} to XXXX. We contacted the credit card company and told them we didn't know what this was. We looked up the website and its a company that sells women 's clothes. We called the number listed on the credit card charge and the lady that I spoke to - said that she was getting over 200 calls a day - from individuals because this was a fraud company that was using their business phone -umber. I can send you a copy of the credit card charge - showing the phone number - XXXX - this is listed to XXXX XXXX XXXX in XXXX Texas. Which is not the description charge name on the bill ( XXXX ). We have called the credit card company several times and explained this to them. They have sent us a letter stating that they have reviewed the information with the company and we supposedly bought a bed and they have delivered it to us. Which is totally false. And they even included a label that the company supposedly used to mail us our ( bed ) - it was mailed by United States Postal Service from XXXX to us. Now who would mail a bed from XXXX using the Post Office? Sams Credit Card/Syncb is  refusing to give us credit for this false charge and we have decided to pay the bill because we don't want our credit ruined. I would be happy to send every bit of information I have. I don't think its right we have to pay for something we never ordered or received.

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 2020-09-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I have a credit card with Sears/Citibank and have been paying on it every month ON TIME ( more than the minimum amount due ) but yet my balance is not going down. I don't even use the card that much so it makes no sense why my balance is so high. I have tried to talk with Sears/Citibank via live chat on their website ( on XX/XX/2020 and XX/XX/2020 ) but it's like trying to talk to an automated service. I can't get any answers to my questions. I need Sears/Citibank to break down to me all the charges made on my acct./credit card and explain to me exactly why my balance has not gone down.

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 2020-09-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-21 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: AL

Complaint narrative:
I have unauthorized inquiries on my credit report in which XXXX, Equifax, and XXXX  have yet to address.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I was confirmed with that this account was reported fraudulently and to make a police report, which i did!

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 2020-09-21 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: MA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result 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 2020-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I closed three accounts on XXXX 2020. One week later I received any closing balance and three letters stating the accounts were closed. I was not told it could take up to 90 days. I was not told to stop any automatic transfers. I was not read any closing disclosures. I did not cancel some automatic transfers because I was told they were closed and receive letters that they were closed. On XXXX I got an email reminder of a transfer for XXXX. Online would not let me stop that transfer. I called Capital One and the person on the phone told me she would change my withdrawal amount limit to a XXXX and assured me that would stop these transfers. The next day my personal banking showed these transfers pending. I have made several calls. I am still waiting to get my money back. My bank now shows it totally gone. Capital One was showing a negative balance. Then pending, now XXXX balance. All kinds of conflicting information. The most recent call to Capital One told me it was on hold and would go back to my bank on the XXXX. I don't feel I should have to wait that long for my money that they erred in taking out. I have been told a different story every time I have spoken with someone. I don't feel any of them are truthful. I want to file this complaint based on all the wrong information I've been given over the past 5 weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
CitiMortgage embezzled a total of {>= $1,000,000} from me and my now ex-husband in a fraudulent loan meant to steal all of our assets and make us beholden to them so we could not escape the debt trap. This loan was found to be fraudulent by the DOJ and CITI agreed to retribution but they did not pay us retribution. They foreclosed. 

Here is what they did. 

XX/XX/XXXX Completed a fraudulent mortgage application with the following frauds : 1. overstated the assets by $ XXXX so we qualified for double. 
2. removed property tax so debt/income ration was 'better ' 3 understated monthly payment by {$2400.00}! 
4. removed escrow requirement to get monthly payment to income ratio down 5 'cooked the books ' by changina 2 to a 7 to add {$500000.00} to assets 6. removed intl moving costs from debts to get assets up 7. ignored $ XXXX  in repairs noted on appraisal to get house price down 8. Gave fraudulent second shell mortgage to get their profit up. 
9. at closing the family was made penniless proving the mortgage was inappropriate for the family.

10. Intl. wire fraud as we were in XXXX  at the time of application 11. when we were unaable to make the mortgage payments they approved a $ XXXX HELOC in a process known as 'looping ' to make us unable to get away so they could bankrupt us and then foreclose to make the maximum profit. 
12. AFTER they signed an agreement with the DOJ admitting to this fraud and agreeing to relief for us the APPLIED FOR FORECLOSURE INSTEAD. 
13. They auctioned off our house for $ XXXX but wouldn't drop our mortgage to $ XXXX and let us keep our house after they defrauded us over over {$1.00} XXXX!!

14. Lied and refused to follow the agreement with the DOJ 15. In  XX/XX/XXXX they sold the loan to 'hide the body ' and make the fraud impossible for me to trace as they changed the mortgage loan number into a bundle number. 
16. They pulled all traces of the sale of the loan into the bundle that they sold on off the internet so myself and anyone else in that CMSI REMIC BUNDLE had no idea their mortgage was sold. It was putting concrete boots on this loan. 
17. When I complained to the CitiMonitor set up by the DOJ they informed me that CITI had refused to cooperate on the monitoring of my loan!!!! 

Embezzled {>= $1,000,000} between XX/XX/XXXX and XX/XX/XXXX 2019

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 2020-09-21 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
American EXPRESS has been reporting in my three credit bureaus posted XX/XX/XXXX since around XXXX of XXXX I have been in communication with American Express direct, collection companies and plus the three credit bureaus. Neither one is providing proof as requested showing my signature, on top of that American Express has broken the law failing to to place a dispute in my account within 30 days, and also failed to send me documents as I have requested. 

I had to turn to cfpb for help to report the unlawful action. 

I have more of documentation I carefully collected if needed can provide, certified and signed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have attempted to send multiple correspondence to this company and have not received dispute results or how these items were verified and kept on my report. I am distressed and am being negatively affected by these erroneous, unverified items. I have sent letters XX/XX/20, XX/XX/20, XX/XX/20, XX/XX/20, XX/XX/20, and XX/XX/20 and haven't received a response to my disputes or paperwork showing how the item was verified with signed paperwork from the original creditor. I would really appreciate some communication from the bureau or corroborating in an actual investigation with removal or erroneous and unverified items.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 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: AL

Complaint narrative:
I have unauthorized inquiries on my credit report in which XXXX, XXXX, and Transunion have yet to address.

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 2020-09-21 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: AL

Complaint narrative:
I have unauthorized inquiries on my credit report in which Experian, XXXX, and XXXX  have yet to address.

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 2020-09-21 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: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
On XX/XX/2020 I received an email from JP Morgan Chase & Co. ( Chase ) that claimed I owed a statement balance of {$48.00} on an account ending in XXXX. 

However, this account had been closed on or about XX/XX/2020. There should have been no charges placed on that account after it was closed. 

I immediately contacted the Chase Fraud Department by telephone and told them this charge was not valid because the account had been closed a minimum of 2 months. That representative stated a fraud investigation would be initiated and that I would not be responsible for that unauthorized charge. Chase did not offer a credible reason for why Chase had processed a charge on a closed account. 

Several hours later I received another email, from Chase Fraud Protection services. This email stated that they closed the XXXX account. This can not be accurate if the account was closed on XX/XX/XXXX XXXX which the first representative I telephoned confirmed ). You can not close an account that is already closed. 

On XX/XX/2020 I accessed my old online account only to find that Chase has another account in my name ending in XXXX. In its response to CPPB, which I received on XX/XX/2020 Chase states it was their procedure to replace the account number when a fraud claim is filed. Unfortunately, Chase does not address the issue of my request to open no accounts in my name. 

Chase claims that the charge on XX/XX/2020, made after the account was closed on XX/XX/2020 was justified because there was an Amazon order on XX/XX/2020 ( when the account had not been closed ) corresponding to the XXXX XXXX charge. However, new evidence has come to light which shows there were a total of 5 charges from the same merchant ( Amazon ) ; three on XX/XX/XXXX, one on XX/XX/XXXX and one on XX/XX/2020. Chase declined all of these charges EXCEPT the XX/XX/XXXX charge which is the transaction in question. Chase offers no explanation for why the XX/XX/2020 charge was approved when four other charges made in the same general time period and from the same merchant were declined. Indeed, Chase disingenuously makes no mention of these other four charges although they know or should know of their existence the inconsistency of Chases position.

The obvious discrepancy in how Chase treated this transaction compared to essentially identical transactions raises serious red flags. Chase has been deceptive and uncooperative in this matter and this necessarily magnifies the concerns with their conduct in this matter. 

Therefore, I request your agency carefully consider the foregoing in its stated mission of the examination of companies and enforcement of the consumer financial protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 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:
The information I found on my credit report was a mortgage, two credit cards, and several weeks later a XXXX car. When I saw the information on my credit report and tried to download it, I was unable to obtain it. Experian wanted me to identify myself, but I did take pictures of the information. I filed a police report and added a fraud alert on my credit file. 

When I checked my credit file today the house, car, and credit cards had been removed. This has really made me concerned about the ethics of this company. I do know about their data breach in XXXX now, but was unaware of it until a few days ago. 

Experian has still refused to raise my credit score when they have had a massive data breach in XXXX. I have not been able to obtain and use the credit I earned since someone else stole it and they never informed me five years later!

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 2020-09-22 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: MA

Complaint narrative:
Good Morning ; Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 

Continues to report the wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 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: MA

Complaint narrative:
Good Morning ; Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 

Continues to report the wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 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: MA

Complaint narrative:
Good Morning ; Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 

Continues to report the wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation