vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-08 00:00:00
Product: Credit 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: AZ

Complaint narrative:
Dear Consumer Financial Protection Bureau, On XX/XX/, I called Citibank to open a dispute on my credit card for the transactions related to XXXX. I informed Citibank that we found evidence that XXXX is operating under a pyramid scheme. However, based on their letter sent to us on XX/XX/, they closed the dispute and said that I have to accept the responsibility for the disputed charges. I also received a letter from them dated XX/XX/ saying that they are looking into the dispute. 

On XXXX XXXX we mailed XXXX pages of documentations providing evidence of the XXXX XXXX and XXXX pyramid scheme, but Citibank closed the dispute without ever reviewing the evidence. The United States Federal law makes pyramid scheme illegal and protects citizens against such scams. 

I will attach the same documentations sent to Citibank to CFPB in our complaint submission which includes all of the evidence that Citibank chose to ignore before finalizing their decision on the dispute. Citibank is providing the merchant the ability to continue charging me on the new account which should not be possible since the merchant do not have my new account information. This would make Citibank an accessory to the pyramid scheme. 

My expectation for a resolution would be to have all of the charges associated with the XXXX XXXX and XXXX pyramid scheme removed from my accounts and I do not want to be penalized or lose the accounts because I have almost a decade of perfect credit history prior to these scams. 

Enclosures : -Copy of documentations to proof the XXXX XXXXXXXX and XXXX pyramid scheme that was sent by mail to Citibank on XX/XX/XXXX XXXX  -Copy of scanned dispute update letters from Citibank date XX/XX/XXXX and XXXX XXXX XXXX  Thank you for your 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 monetary relief
Consumer complaint received 2024-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I am filing a formal complaint against TransUnion for their failure to adequately respond to a dispute letter that I mailed on XXXX XXXX XXXX requesting an investigation into inaccurate items on my credit report. In my dispute letter, I outlined several items that I believe are inaccurately reported, including entries such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and a Bankruptcy reference number : XXXX. Additionally, I disputed incorrect personal information listed on my credit report. 

To assist TransUnion in verifying my identity and address, I included copies of my photo ID, social security card, and a recent bill with my current address. 

Despite mailing the dispute letter and providing necessary documentation, I received a response from TransUnion, dated XX/XX/, indicating that they were unable to process my request because it did not appear to have been sent directly by me or an authorized third party. This response demonstrates a failure on TransUnion 's part to recognize the legitimacy of my dispute and to comply with their obligations under the Fair Credit Reporting Act ( FCRA ). 

Under the FCRA, credit bureaus are obligated to conduct a reasonable reinvestigation when the completeness or accuracy of any information is disputed by the consumer. It is clear that TransUnion has failed to fulfill this obligation, thereby infringing upon my consumer rights. 

Enclosed with this complaint are copies of the dispute letter I sent to TransUnion, along with XXXX response, serving as evidence of my efforts to rectify inaccuracies in my credit report and TransUnion 's failure to conduct a proper investigation.

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 non-monetary relief
Consumer complaint received 2024-02-08 00:00:00
Product: Credit 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: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
I used this card to make purchase on XXXX on XX/XX/XXXX, but that order was unilaterally cancelled by XXXX on XX/XX/XXXX due to suspicious activity, while XXXX still charged me on this card for it. 


I filed a online dispute with Barclays on this transaction XX/XX/XXXX when I saw the posted charge from the statement. After a few days, I received a phone from Barclays dispute team, but I was only asked to confirm the transaction date, amount, etc. I offered to submit additional information/documentation for this dispute, but Barclays was NOT interested to obtain such info from me, which left me in a such WEAK position into this dispute versus XXXX. 

On XXXX XXXX XXXX Barclays sent me a letter about the denial decision of dispute. Inside this letter, Barclays did not explain any reasoning of such denial but just included the rebuttal from XXXX. The whole rebuttal point is that XXXX has a SIGNED proof of delivery and XXXX shipped the order on XXXX XXXX XXXX 

Based the rebuttal information, I file a disputer re-opening with my additional information ( which I was NEVER having any chance to submit ) to such rebuttal, which include the original DATED order email, DATED XXXX official cancellation Email, and my XXXX order history showing such order completely removed/cancelled. 

HOWEVER, my disputed was denied again on XX/XX/XXXX. I called Barclays on XXXX XXXX XXXX I was told the reason why I first dispute reopening was denied is because I failed to provide the description of the merchandise. 

First, such information was never explicitly required in the first time letter of denial ; Second, Barclays never tried to contact me for such information after I reopened the dispute ; Third, I DID provide the original XXXX order ( which was cancelled by XXXX ), that has such information within. 

Barclays Billing Dispute back-team person/supervisor is VERY unprofessional in handling my dispute, they never looked at my dispute statement carefully, and they never communicated to me for any information related to this dispute, AND they used the reason " I failed to provide description of merchandise '' to deny my dispute. This is LYING

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 2024-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have filed dispute over inaccurate personal information listed on my credit report. I have waited over 30 days and tried to give Transunion, XXXX and XXXX a chance to resolve this issue pursuant to 15 USC 1681s-2-b ( ii ). I filed a re-investigation, and still no lawful response Transunion, XXXX and XXXX has chosen to violate and ignore the statues of the Fair Credit Reporting Act.

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 non-monetary relief
Consumer complaint received 2024-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have filed dispute over inaccurate personal information listed on my credit report. I have waited over 30 days and tried to give XXXX, XXXX and Equifax a chance to resolve this issue pursuant to 15 USC 1681s-2-b ( ii ). I filed a re-investigation, and still no lawful response XXXX, XXXX and Equifax has chosen to violate and ignore the statues of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Eastern Account Systems of Connecticut, Inc.
State: CT

Complaint narrative:
I pulled an XXXX credit report on XX/XX/XXXX and found that a negative factor was an account that was opened in XXXX XXXX for an original balance of {$430.00}. The report shows that it has a past due amount of {$170.00}. 

I contacted the named Account -Eastern Account System. They could not identify the service location or detail of the account. 

I contacted XXXX and discussed the issue with them. They could not give me additional information and asked that I send them a cover letter providing identifying information. They asked that I file a report with this Agency and follow up with XXXX and XXXX- which I did

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have filed dispute over inaccurate personal information listed on my credit report. I have waited over 30 days and tried to give XXXX, Experian and XXXX a chance to resolve this issue pursuant to 15 USC 1681s-2-b ( ii ). I filed a re-investigation, and still no lawful response XXXX, Experian and XXXX has chosen to violate and ignore the statues of the Fair Credit Reporting Act.

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 non-monetary relief
Consumer complaint received 2024-02-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Rosebud Economic Development Corporation
State: NJ

Complaint narrative:
I've taken a {$500.00} loan and to date I've aid back over {$1000.00} and being told I still {$500.00}. I didn't relalize the apr is 624.25 %.

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 2024-02-08 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: M&T BANK CORPORATION
State: FL

Complaint narrative:
My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My husband is from Brazil, and we were planning on retiring and moving to his home city in Brazil. I transferred money from XXXX XXXX M & T Bank, then wired that money from M & T Bank to my husbands account at XXXX de XXXX. His pre-married name was XXXX XXXX XXXXXXXX XXXX  XXXX. His married name is XXXX XXXX XXXX XXXX 

XXXXXXXX XXXX XXXXXXXX would not release the money because the account was in his pre-married name, which did not match the M & T account name. They said they would return the money to M & T Bank in 90 days. 

In the meantime, M & T Bank froze my personal and business accounts because of the large money transfer, which was out of character for our account. They said they need proof of what the money was used for. They want to see a contract of real estate sale. When were down there, the stress of XXXX de XXXX, plus many other stresses made us decide to not live there. So now we do not have a contract to show M & T Bank, as we did not buy the real estate. 

( Do they need proof of what we used the money for? They see it came from XXXX and went to XXXX de XXXX, both reputable businesses ) So, without this real estate contract, M & T Bank is closing both accounts. There will be no account to receive the {$90000.00}, which will then be lost. In the meantime, because the accounts are frozen, check have bounced and XXXX payments have been refused. Our credit score is dropping because of them.

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 2024-02-08 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: J J Marshall & Associates, Inc
State: TN

Complaint narrative:
I attended XXXX XXXX XXXX in XXXX of XXXX  and unenrolled XXXX of XXXX paid for by XXXX  benefits. I have been sent mail and received emails from J J Marshall Associates regarding debt collection. The XXXX XXXX XXXX has closed its physical address and does not have a phone number or email I can reach them to dispute this claim. I have spoken with J J Marshall and asked for proof of the debt and they have refused to give me any information and have put a derogatory note on my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION
State: NC

Complaint narrative:
XXXX XXXX I called the company to see how much it was to release the car after it was repossessed they told me XXXX and XXXX XXXX I paid about XXXX to get it out of repossession. I asked to speak with a supervisor they put me on hold and went voicemail I left a message no one contacted me as of yet. Looking for a clarification and a solution was so overwhelmed with that number I

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 2024-02-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
Resurgent capital has been reporting. A fraud account on my credit. I have sent them overwhelming documents proving this account is fraud and yet they keep saying it is verified as mine. I've asked them to send me proof that this is supposedly mine and all I get is a generic answer and a billing statement from the original creditor. This does not prove this is my account only that there is a billing statement! I can not file a police report due.to the age of the fraud account. Its beyond 3 years!! This is an account from XXXX  and can not by law be reported nor collected on due to the statute of limitations on Louisiana debt collection. My local State Atty General office was contacted to be made aware of this and I was told that they reached. Out to XXXX. THIS NEEDS TO BE REMOVED ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I have been trying to access my funds for XXXX treatments over XXXX years. The first few times the representative stated they would call me back. They never did. My social security number and DOB is linked to my account and yet they will not reset my password with this information. They want a cell phone on record. My account predates cell phones

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 non-monetary relief
Consumer complaint received 2024-02-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Fees charged
Company: Data Mortgage Inc.
State: GA

Complaint narrative:
I paid my mortgage later than the due date but within the time period of 30 days so there no way that it should impact my credit report. I made the payment of {$1400.00} on XX/XX/2024 that was required via the companys payment portal on their website. As a customer I can not change or pay a different amount that what is required or it will not go through, so I paid the amount invoiced and called and spoke with an associate and she said it was fine and on time. Instead the company added the late fees without my knowledge and tried to ACH that amount and from my savings instead of my checking account and this cause an overdraft charge and my account was reported late to the credit bureaus and my score has dropped XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: Auto Credit of Virginia Inc.
State: VA

Complaint narrative:
Auto Credit of Va is running a scam. I missed XXXX payment so they put my car into reposession. This company threatend to put me in jail if i didnt give them back the car. I have made payments on this car since XX/XX/XXXX totaling XXXX for XXXX XXXX XXXX, I paid 3 times what its worth. All i want to do is finish paying the loan for {$4600.00}. They want my car back to resell it again for another outrages Price. I put my heart and soul in this car. The contract i walked out with wasnt mine. It was my car signed by someonelse. I don't believe they have a contract with my name on it and my signature and the XXXX XXXX so this is all questionable. They know they made a mistake and they are trying to fix it the wrong way.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : XXXX  XXXX : Account number : XXXX, Identity theft happened. Remove account. 
XXXX  XXXX : Account number : XXXX, Identity theft happened. Remove account. 
XXXX : Account number : XXXX, Identity theft happened. Remove account. 
XXXX XXXX ( Original XXXX XXXX  ) : Account number : XXXX, Identity theft happened. Remove account. 
XXXX | XX/XX/2023 : Account number : N/A, Identity theft happened. Remove 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 non-monetary relief
Consumer complaint received 2024-02-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: DISCOVER BANK
State: CA

Complaint narrative:
They charge me XXXX extra on XX/XX/202XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: DE

Complaint narrative:
On XX/XX/XXXX I began the Income Driven Repayment Plan application. I was placed on Forbearance for this, via a notification from Mohela on the same day. On XX/XX/XXXX, I received a bill for interest and fees, the letter that I received in via their app was dated XX/XX/XXXX, also this was despite Federal legislation that was passed not requiring the borrower to pay anything until XX/XX/XXXX due to XXXX and also that this type of Forbearance does not require the borrower to pay interest. 
Then on XXXXXX/XX/XXXX, I received a letter in the Mohela app dated XX/XX/XXXX telling me I had been placed on Administrative ForbearanceXXXX XXXX days later on XX/XX/XXXX I was informed of a " Correspondence Processing Delay '' and told no action is required on my part ( this was received in my Mohela app inbox on XXXX  ). 
On XX/XX/XXXX and XX/XX/XXXX I was sent back to back notifications once again telling me there was a " Correspondence Processing Delay '' with the same information as the first letter. 
On XX/XX/XXXX a statement showing I owed {$0.00} was sent to my Mohela app inbox. ON XX/XX/XXXX I was sent another letter letting me know they received my PSLF application and it would be about 30 days to process. 
On XX/XX/XXXX I was sent a " student loan interest '' bill stating I owed {$0.00}. On XX/XX/XXXX I received the first update on PSLF. 
On XX/XX/XXXX ( XXXX days after my XXXX dollar bill ), I received a bill for {$560.00}. 
On XX/XX/XXXX I was informed that I was being placed on Forbearance during processing AGAIN, despite I was never taken off. 
On XX/XX/XXXX I was sent a notification that I was approved for the XXXX plan and my bill would be {$200.00} starting.- I am still on Forbearance for Consolidation application. 
On XX/XX/XXXX I was sent the confirmation that interest would not be capitalized. 
On XX/XX/XXXX I was sent a bill for {$760.00}, including a passed due balance of {$560.00}? 
I reached out to Mohela on XX/XX/XXXX and relayed all of this information. Being I was on XXXX, my last XXXX said I owed {$0.00} etc I did not hear back. I did however recieve past due reminders. 
On XX/XX/XXXX I received a bill for $ XXXX I contacted them again. No one has responded. 
I am incredibly concerned that this will ruin my credit. I was just taken off of Forbearance after my Consolidation application was approved about 10 days ago. I shouldn't have a bill more than the {$200.00} due XXXX month from being taken off of XXXX. No one will answer me. Please help!

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