vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-20 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: MA

Complaint narrative:
On XX/XX/XXXX, I purchased a set of wheels from a seller on XXXX ( XXXX XXXX which also operates under the name XXXX XXXX, is located in XXXX, Pennsylvania ) who had me pay them through XXXX  instead of XXXX checkout. I know I was wrong to go through with it, but I had no idea that the merchant was a dishonest thief. 

The wheels were incorrectly advertised as having a 38mm offset and arrived with a 35mm offset. Getting him to issue return shipping labels was difficult, but he eventually did and I sent the wheels back. 

Getting my credit card charge of {$2300.00} refunded has been impossible. Citibank 's Billing Disputes Department took 3 months to find XXXX XXXX for the charge! I had them re-open the dispute, provided them with ALL necessary and requested evidence that proves beyond any doubt that the merchant has his merchandise back and still has my money. 

I also provided proof that I purchased the correct wheels from a different seller on XXXX. 

Nearly 3 more months later, Citi again closed the dispute stating that they are unable to force the merchant to credit a refund and are unable to continue the dispute because the time-frame has expired. 

I'm beside myself, as you can imagine. How does this happen? Just, how is it possible that Citibank is okay with a merchant stealing {$2300.00} from a customer?

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 2020-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I have contacted the credit reporting agencies and asked that this item be removed from my credit report because this item is not mine and reporting inaccurate and there has been no progress and has not been removed I have sent in a identity thief report and it has not been removed yet and this has caused serious damage to my credit report. 
can you please have this situations taken care of as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Ive disputed a Bankruptcy with the 3 Credit Bureaus ( TransUnion, XXXX, & XXXX ) with a series of 4 letters starting XX/XX/XXXX to XX/XX/XXXX and attached to the letter dated XX/XX/XXXX was the XXXX report dated XX/XX/XXXX showing NO Bankruptcy. All 3 Credit Bureaus ( TransUnion, XXXX, & XXXX ) are still currently stating they verified and are reporting a Bankruptcy that is not being reported by the third party company ( XXXX ) they state they utilize even after Ive submitted physical proof.

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 2020-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.

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 2020-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.

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 2020-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On the XXXX of XXXX, 2020 Capital One reported my Balance of approximately XXXX to the Credit Bureaus as the Closing Balance and Usage Rate for XXXX, XXXX, 2020 which was XXXX. 

On the XXXX of XXXX, 2020 XXXX  disclosed my Credit Score as XXXX from XXXX. 

On the XXXX of XXXX, 2020 XXXX  disclosed my Credit Score as XXXX from XXXX. 

On the XXXX of XXXX, 2020 I disputed my Credit Score. XXXX  referred me to the Creditor Capital One. 

On the XXXX of XXXX, 2020 Capital One refused to Report the actual Closing Balance of XXXX, XXXX, 2020 which was XXXX. 

On the XXXX of XXXX, 2020 XXXX  disclosed my Credit Score of XXXX from XXXX. 

On the XXXX of XXXX, 2020 ; I filed a Complaint with the Consumer Financial Protection Bureau against Capital One for reporting my Balance on the XXXX of XXXX, 2020 as my Closing Balance and Usage Rate for the XXXX of XXXX, 2020. Complaint Number XXXX - XXXX. 

A particular Credit CardXXXX line of Credit ; closes on the XXXX of each month. On XXXX, XXXX, 2020 my Balance was XXXX and on XXXX, XXXX, 2020 the Creditor reported my Usage Rate as the Balance on XXXX, XXXX, 2020 of approximately XXXX and even though I received a letter during approximately XXXX, 2020 that the Creditor might report any given Balance of a Proceeding Cycle for the Closing and Usage Rate of the previous Cycle ; I thought that the Creditor was mistaken ; since alterations of the Closing Balance is possibly illegal. 

On the XXXX of XX/XX/2020 Capital One did Respond to my Dispute through CFPB, but with the Closing Balance of XXXX, XXXX, 2020 ; when the Dispute is of the Closing Balance of XXXX, XXXX, 2020. 

THE COMPANY 'S RESPONSE INDICATES THE CLOSING BALANCE DURING THE MONTH OF XXXX, 2020. THE COMPLAINT IS IN REFERENCE TO THE CLOSING BALANCE AND USAGE RATE DURING THE MONTH OF XXXX, 2020. 

THE COMPANY 'S RESPONSE OF MY CLOSING BALANCE DURING XXXX, 2020 OF XXXX. IS CORRECT, HOWEVER THE COMPLAINT IS OF THE CLOSING BALANCE AND USAGE RATE DURING XXXX, 2020 WHICH IS NOT CORRECT. THE COMPANY REPORTED 42 % USAGE RATE OR {$420.00} DURING CLOSING ON XXXX, 2020, WHEN THE ACTUAL BALANCE DURING CLOSING ON THE XXXX OF XXXX, 2020 WAS 29 % OR XXXX. 

On the XXXX of XXXX, 2020 Consumer Financial Protection Bureau closed my Dispute. 

On the XXXX of XXXX, 2020 XXXX  has modified Records.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
Ive disputed a Bankruptcy with the 3 Credit Bureaus ( XXXX, Equifax, & XXXX  ) with a series of 4 letters starting XX/XX/XXXX to XX/XX/XXXX and attached to the letter dated XX/XX/XXXX was the XXXX report dated XX/XX/XXXX showing NO Bankruptcy. All 3 Credit Bureaus ( XXXX, Equifax, & XXXX  XXXX are still currently stating they verified and are reporting a Bankruptcy that is not being reported by the third party company XXXX XXXX XXXX they state they utilize even after Ive submitted physical proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
When the account was first opened in XXXX of 2018 ( actual date unknown ) I was informed by the Sears credit representative, as long as I kept the amount at a certain level and paid off all charges in a timely manner, there would be no accrued, absorbent or incremental interest fees. With that in mind, I was very cautious about frivolous spending and making unnecessary purchases with this particular card. However, due to some Covid-19 related issues, I was compelled to utilize the card for many of the daily necessities in order to sustain my immediate and extended family. As a result of some unforeseen demands, I find myself in a distressing predicament due to over-extended use of the card. Nevertheless, there was no justification for the unreasonable increase in interest, even though I was forced to make a cash withdrawal to accommodate an overdue personal expense. Currently, I am in the process of attempting to pay off the entire balance due, bringing an end to this unfortunate nightmare.

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 2020-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Ive disputed a Bankruptcy with the 3 Credit Bureaus ( XXXX, XXXX, & Experian ) with a series of 4 letters starting XX/XX/XXXX to XX/XX/XXXX and attached to the letter dated XX/XX/XXXX was the XXXX report dated XX/XX/XXXX showing NO Bankruptcy. All 3 Credit Bureaus ( XXXX, XXXX, & Experian ) are still currently stating they verified and are reporting a Bankruptcy that is not being reported by the third party company XXXX XXXX XXXX they state they utilize even after Ive submitted physical proof.

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 2020-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
On or about XXXXi sent request to Early Warning Services to place a security freeze on my file. Today i received their response saying that they refused to do it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-20 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
This month which is XX/XX/2020, I received a letter in the mail from Convergent Outsourcing stating I owed a debt of XXXX. First off I never heard of a company named XXXX XXXX XXXX. When I googled company it stated it was a Car Finance company and I never ever had, nor held an account with the company. This alleged debt is about to be placed on my credit report because Convergent Outsourcing thinks this alleged debt is mine. Unless they have proof that this alleged debt is mine, this alleged debt shouldn't not be placed on my credit report. I'm attaching a Debt Validation Letter to this 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 2020-12-20 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: CA

Complaint narrative:
These 3 accounts are not mine. Please remove it. Thank you.

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 2020-12-20 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: CA

Complaint narrative:
These 3 accounts are not mine. Please remove it. Thank you.

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 2020-12-20 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: CA

Complaint narrative:
These 3 accounts are not mine. Please remove it. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital one did not notify me when someone maxed out my credit card to {$5000.00} and then let it go over and charged interest and told me i owe them {$5900.00} and i did a fraud packet and they still did nothing when i lost my card in a different state while traveling. Then after multiple attempts and them taking it off my credit report and putting back on its now showing on only 2 of the 3 credit bureaus for mouths now! I reached out to the credit company on XX/XX/XXXX and the company did not respond at all let alone in 30 days which is required by law. I want this whole account removed as its from XXXX and is affecting my life and my familys. Im also law enforcement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-20 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
I received a letter about a debt that isn't mine from a company named Convergent. 

Convergent Outsourcing , Inc . 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX, WA XXXX XXXX The letter stated I owe Convergent {$870.00}. This is not my name. The letter had my address but not my correct name. 

The date of the letter : XX/XX/202 Creditor : XXXX XXXX Original Account : # XXXX Convergent Account : # XXXX Original Creditor : XXXX ( South Dakota ), XXXX. 
Reduced Balance Amount : {$300.00} I do not have any outstanding unpaid debt with this company.

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 2020-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I was charged a overdraft fee of {$35.00} on XX/XX/20.

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 2020-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Experian continuously grade my credit report low even though my history and account status is good. Recently after applying for a credit card, they reported my score 14 points lower than my actual score, and they have my score 30 to 50 points lower than the other two bureaus. I find it to be very bias and prejudice. This has been continuous for the past two years.

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 2020-12-20 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Velocity Portfolio Group
State: TX

Complaint narrative:
I received a letter about a debt that isn't mine from a company named XXXX. 

XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX, WA XXXX XXXX The letter stated I owe XXXX  {$870.00}. This is not my name. The letter had my address but not my correct name. 

The date of the letter : XX/XX/202 Creditor : Velocity Investments Original Account : # XXXX XX/XX/XXXXAccount : # XXXX Original Creditor : XXXX XXXX South Dakota XXXX, XXXX. 
Reduced Balance Amount : {$300.00} I do not have any outstanding unpaid debt with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-20 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: GA

Complaint narrative:
I filed a dispute with Chase Shappire credit card for a charge of {$500.00}. I explained to them I never received any service from the merchant and neither did I do a consultation with the doctor. The merchant was XXXX XXXX XXXX and they refused to give a refund stating that, my charge was for a consultation that I never had. Chase stated I'm responsible because the merchant states it is non refundable. This is unacceptable because no services were rendered and Chase should be protecting me as their customer from this type of situation. It should be illegal to charge for a service not rendered and not giving a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-20 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:
Equifax did not investigate an account on my credit profile for XXXX XXXX XXXX XXXX this is nt my account and I have never had an account with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
In XXXX XXXX I paid my car note however I addressed to the wrong people and they sent me my money back in a check form for me to cash and put back in my account and I tried at the bank branch and they said no I cant. So I called the number on the check and it directed me to my bank. The check was XXXX it was withdrawn from my account and they denied me the money Im entitled to. In the check it says it will be coming back in 90 days if not cashed so now Im XXXX short and they are once again not acting right so.. Im here to say this bank is withholding me from my OWN money. Capital One is trash.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-20 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:
Experian did not investigate an account on my credit profile for Dept Of Education/XXXX  this is not my account and I have never had an account with 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 2020-12-20 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:
TransUnion did not investigate an account on my credit profile for. XXXX XXXX XXXX, Dept of Ed/XXXX, and U S Dept Of EducationXXXX this is not my account and I have never had an account with 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