vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-14 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: CA

Complaint narrative:
I had fraud on my credit card account and citibank closed my account. I submitted several fraudulent charges for dispute. One of the charges was XXXX, and their security team had left me a message that they had confirmed fraud on my account. Other charges included a company named " XXXX '' that we have never heard of. These were all out of state charges. I received a letter from citibank that they had concluded their investigation and were not reversing any of the charges. They suddenly put about {$440.00} dollars back onto my account with a threat that if I did not pay, they'd report me to crediting bureaus. 

Their letter did not include any documentation proving that the disputed charges were valid. 

I contacted citibank 5 times since then requesting that they reverse those charges. I also requested that they send me documentation proving the disputed charges were valid, as they are required to do. They said they would get back to me if needed and never sent any documentation. I called their security department they told me to call but was placed on hold and then disconnected on. No one ever called me back. I have run out of options.

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 2019-12-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Meridian Financial Services, Inc.
State: CA

Complaint narrative:
The following company Meridian Financial Sercives,  is acting as the reresentitive for a XXXX  company called XXXX/XXXX and has placed a debt collection notification on two of the 3 American credit reporting agencies.  It is illigal to do so, the company they are representing never provided good nor services for what they are charging. Also, it is outside the United States and does not have my Social security number. There are two accounts showing on the XXXX  and XXXX XXXX  credit reports.  These are the following accounts, indicating initial dates, account, amounts that were never borrowed.  XXXX/XXXX is not an american company and has no jurisdiction in the united states.  It is a XXXX Resort company that cons and deceives travelers promising goods and services that never pan out.


First reported: XX/XX/2019
Amount:$XXXX
Meridian Financial Services
XXXX XXXX XXXX XXXX XXXX
XXXX NC XXXX

First reported: XX/XX/2019
Amount:$XXXX
Meridian Financial Services
XXXX XXXX XXXX XXXX  XXXX
XXXX NC 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 2019-12-14 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: AR Resources, Inc.
State: CA

Complaint narrative:
AR Resources is attempting to collect a debt for medical services that were either never rendered ( identity theft ), or should have been paid by insurance ( XXXX ). Ive been on state   insurance since 2016. 
AR is impossible to reason with or Id be able to say more. 

Thank You Very Much, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
I scheduled a payment to pay off my balance prior to the program for no interest for a period. The payment was scheduled on-line and the company chose not to process to allow the program to expire and charge me almost the balance in interest. 

This company has hundreds of reviews online of this practice. Please help stop these business practices Attached is my email confirmation of the scheduled payment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.

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 2019-12-14 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: PR

Complaint narrative:
They made our credit record with Equifax, and first it was not authorized by us, second does not have who is the " REQUEST ORIGINATOR '' and third the phone number that is presented ( XXXX ) does not connect to any entity commercial of XXXX / XXXX  to file the complaint. Therefore, we request the elimination of said inquiry from our credit record as it falls under the category of " hard inquiry '' and affects our empiric. 

The credit record that has been affected is mine and that of my wife. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bonneville Billing and Collections
State: UT

Complaint narrative:
XXXX XXXX ( XXXX XXXX XXXX ) & Bonniville Collections XX/XX/2018-XX/XX/2018 I am being charged for something my XXXX & my self has paid for in which I did not get the full complete service. It was sent to collections and is gaining interest each month & has ruined my credit. I have put in Multiple Disputes to XXXX as well as XXXX and have been denied even though I show proof and claims from my insurance and bank statements. I have reached out to both XXXX XXXX and bonniville but they still will not give me a break.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Bureau of Fort Walton Beach, Inc
State: FL

Complaint narrative:
COLLECTION BUREAU OF Fort Walton Beach is attempting to collect a debt that was already paid. The company they are trying to collect the debt from has went out of business and the debt collectors are demanding proof of payment. How can I obtain proof of payment if the company does not exist anymore?

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 2019-12-14 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: GA

Complaint narrative:
Creditor this is my father and its on my report case. acc- XXXX, bal-XXXX XXXX XXXX XXXX, acc- XXXX, bal-XXXX XXXX XXXXl, acc- XXXX, bal-XXXX XXXX XXXX XXXX, acc- XXXX , bal- XXXX XXXX XXXX, acc- XXXX, bal- XXXX XXXX XXXX XXXX XXXX, acc - XXXX, bal- XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-14 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:
By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. 

Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 
I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-14 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: GA

Complaint narrative:
I recently noticed several accounts and inquiries on my report that I didnt authorize, after being denied credit for a car loan.

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 2019-12-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
On XX/XX/XXXX, I received a fraud alert from Bank of America for charges ( see below ). I notified them I had made one of the referenced charges ( XXXX charge ) and they notified they would investigate the other charges. 
XXXX {$43.00} ( XX/XX/XXXX ) XX/XX/XXXX XXXX XXXX {$11.00} XXXX XXXX {$26.00} XXXX XXXX {$290.00} XXXX XXXX {$26.00} XXXX XXXX {$2.00} XXXX {$33.00} Declined XXXX {$290.00} BOA credited my account for the fraudulent charges of about {$400.00}. 
On XX/XX/XXXX, I received a letter from Bank of America saying the charges were NOT fraudulent and added the charges back to my account. I did not make the purchases all occurring on XX/XX/XXXX. The last time I used my card was for gas on XX/XX/XXXX. 
I want to know what recourse I have at this point. 
Thank you for any assistance.

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 2019-12-14 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Concord Servicing Corporation
State: PA

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

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 2019-12-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-14 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:
By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. 

Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 
I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.

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 2019-12-14 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: FL

Complaint narrative:
It's not my accounts and inquiries.I never applied for it. I never sign anything.

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 2019-12-14 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:
It's not my accounts and inquiries.I never applied for it. I never sign anything.

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 2019-12-14 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:
It's not my accounts and inquiries.I never applied for it. I never sign anything.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-14 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: Google Compare Credit Cards Inc.
State: DE

Complaint narrative:
Double Charging by XXXX for XXXX XXXX I am astounded to have to seek the help of state authorities to open a conversation with XXXX about double billing for their new XXXX TV service. 

I initially tried to sign-up on XX/XX/2019, but as I completed entering my credit card information I was returned to the screen asking me to sign-up. I could not understand what had gone wrong and did not want to end up with two subscriptions, so I closed the screen and watched to see if a charge would show up on my credit card. I did not see a charge for several days, during which I also was unable to log in and open the service using the email address I had used. 

Therefore I concluded my effort to subscribe had failed and I tried a second time using my wifes XXXX account. This time everything worked like a charm and I was able to access XXXX XXXX on my computer, my TV and share it with my daughter as well. All as XXXX advertised. 

However, I was subsequently charged {$49.00} the original failed subscription under my XXXX address, which had never worked and has never been used, AND {$49.00} for the subsequent service under my wifes email. 

I have spent many hours ( with a break to go to the hospital with appendicitis ) trying to contact a XXXX customer service representative. Nothing worked using all the phone numbers, websites etc. offered by XXXX. 

XXXX clearly has designed their system to not allow any customer access to customer service representatives. As a result, I have been robbed of {$49.00} and apparently have no way to stop this from snowballing into {$600.00} over the coming year! A company with the reputation and wealth of XXXX certainly should be expected to provide this minimal customer support. Meanwhile I will do whatever I can to publicize XXXX failed customer service approach that is costing people like me and my family hundreds of dollars in fraudulent charges. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-14 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
On XX/XX/2018, XXXX XXXX XXXX ( Notary ID:XXXX   Cert. GG XXXX, Exp.XX/XX/XXXX, Bonded by XXXX  XXXX XXXX XXXX  ) deliberately notarized fabricated documents on behalf of Mortgage Electronic Registration Systems ( MERS  ) and Bank of America ( BOA ). The mortgage assignment documents assigned from MERS to BOA thru e-recording on XX/XX/2018 have no book #, no page #, and XXXX XXXX XXXX under Florida Statute Section 117.107 ( 9 )  never identified the signer was present with notary at time of signature, Failed to Confirm the Identity of the Person Who Signed under Florida Statute Section 117.05 ( 5 ),  Notary misconduct left Substantial Portions of the Jurat of the Instrument Blank Prior to Notarization under Florida Statute Section 817.107 ( 10 ). 
Please note attachments that support my complaint.

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 2019-12-14 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: GA

Complaint narrative:
I recently noticed several accounts and inquiries on my report that I didnt authorize, after being denied credit for a car loan.

Company response to consumer: Closed with non-monetary relief