vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-19 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: NC

Complaint narrative:
On XX/XX/2021 I made a purchase in the amount of {$800.00} on XXXX using my Citi credit card. On XX/XX/2021, I canceled the order, the seller would not refund, and the seller did not and would not ship the item. On XX/XX/2021 I filed a dispute with Citi cards for the purchase. On XX/XX/2021 Citi declined my dispute. In their decision, Citi referenced a response from XXXX. XXXX stated it was an Invalid Dispute - Services or merchandise were provided prior to cancellation date. No proof of cancellation was provided. This is false, the merchandise was never shipped or provided! On XX/XX/2021 I contacted XXXX, and they would not assist, as they said it was up to the credit card company. Im not sure why XXXX gets to decide, as I purchased directly on the XXXX website. 

I paid for an item I did not receive. I canceled on XX/XX/2021. To date I have not received the item, nor have I been refunded. It is not marked as shipped on XXXX, there is no tracking number. Even in the response from XXXX, there is no tracking number or shipping information. 

Attached are the correspondence with Citi, XXXX and the XXXX  seller - I clearly ask the seller to cancel, and refund on XX/XX/2021. Also attached is the XXXX  page showing that the item was never shipped. 

Please help! I dont know how this is complicated, I paid online for an item, that was never sent, and I wasnt refunded. I could lose {$800.00} dollars. Im single father and I cant afford that.

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 2021-03-19 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: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
I was scammed into investing with a real estate/entrepreneur money making scheme called the Will to Win method. This company is know as XXXX XXXX and enticed individuals to open credit card accounts to pay for their educational services. In XXXX of XXXX the Federal Trade Commission issued Preliminary Injunction Order : XXXX, requesting XXXX XXXX to suspend all activity for services in connection with advertising, marketing, promoting, or offering for sale of any goods or services for making false claims. 

On XX/XX/XXXX the Federal Trade Commission filed the " Second Amended Complaint for Permanent Injunction and Other Equitable Relief '' Case No. XXXX vs. XXXX XXXX and the case is still pending resolution. The permanent injunction is attached. 

XXXX XXXX assisted and enticed me to open this account and charged me for their services which were deemed fraudulent by the Federal Trade Commission. I've attempted to contact to resolve this issue with XXXX with no assistance from them. Countless hours have been spent trying to remediate the fraudulent charges but they do not agree. This has severely affected my Credit Score.

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 2021-03-19 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: AZ

Complaint narrative:
equifax has not been responding to me nor investigating my disputes nor sending me any proof of their investigations for the past year as a consumer this has caused major distress upon me and has ruined my reputation as a consumer due to their fraudulent actions. Pursuant to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  any authorization or approval of a specific extension of credit directly or indirectly by the issuer of credit card or similar device should be excluded from a consumer report. The definition of a credit card under XXXX XXXX XXXX is the same as it is under XXXX XXXX XXXX  ( I ) which is the term credit card means any card, plate, coupon book or either credit device existing for the purpose of obtaining, money, property, labor, or services on credit Notice, XXXX said XXXX card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should all be removed from My consumer report pursuant to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am demanding that you delete these Transactions from my credit report immediately as they are a violation of my rights as a federally protected consumer under title XXXX chapter XXXX. 
Name of Account Account Number Provide Physical Verification Fresh Start funding XXXX Unverified Account U.S bankruptcy Court XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account The following public record you are reporting is also against my rights as a consumer the original furnisher/ court has informed me they dont report data to credit reports therefore you are not following the laws that govern how to report data on consumer reports only the original creditor can report data with a written consent document. You have verified this public record without proof XXXX written consent ) going against XXXX usc XXXX XXXX XXXX XXXX. This is an infringement upon my rights and you failing to comply with these laws have ruined my reputation as a consumerXXXX XXXX  has already complied with these laws in regards to these account proof is provided on the next page. They followed these laws, why haven't you? How are you verifying this information per law? 
I demand the following accounts be deleted immediately. 
The following addresse ( XXXX ) are inaccurate and need to be deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX APT XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I sent a debt validation letter to the company National Credit Adjuster for two collectiom debts that they have with their office. The company has failed to provide any documents bearing my signature or any contracts showing the debt is owed to this company. They have tried to utilize a stall tactic by sending a letter stating that 30 days was not even time without providing any timeframe they could provide proof of debt. However, this company consistently continues to report this debt monthly to the bureaus affecting my credit report. Acct # XXXX and XXXX. letters are attached as well as certified receipts. This company letter stated they are ceasing collection efforts however, they are repeatedly stating they have validated the debt with the bureaus with no information sent to me. This is a violation of the FDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 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:
I was looking over my credit report a few weeks ago and noticed accounts there that are not mine. I am also the only one who has authorization to my credit, and I have not given anyone authorization. I do not understand how this could have happened, but I am pleading to please have these accounts investigated immediately. I am in a very bad position now and I can not acquire any new credit. This is completely unfair. Please remove these fraudulent accounts immediately.

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 2021-03-19 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: EQUIFAX, INC.
State: WA

Complaint narrative:
I am applying for a mortgage. When companies try to pull my Equifax credit score/report, they receive an error message that " APPLICANT INFORMATION FROM THE INQUIRY HAS BEEN IDENTIFIED BY THE CONSUMER AS FRAUDULENT ''. This error comes with error code XXXX I have called Equifax and they said that there are no fraud alerts on my account and there is nothing they can do. They told me that I couldn't speak to a XXXX to resolve because there was nothing that they could see that the representative couldn't see. 

This is an unacceptable response by the credit bureau. I own my credit and they can not impede my ability to apply for financing without offering to resolve. 

When I look on MyEquifax.com, it shows that I do not have a Fraud Alert, but as mentioned above, when the banks try to run my credit from Equifax they are told that I do have a Fraud Alert and that I need to call Equifax at XXXX. 

Attached is an example of the error that the lenders have received.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

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 2021-03-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I received a text from TD bank on XX/XX/2021 that they had suspicious activity on my savings account. I talked to them immediately and told them that I didnt make these withdrawals. XXXX was taken out 8 times plus 3 inquiry fees for 9.00and 8 ( XXXX ) fees for atm fees totaling {$1600.00}. I told them I thought I knew who fraudulently withdrew this money as I found out this man has a long criminal record for stealing, burglary and grand theft. I filed a fraud complaint on XXXX and also a police report the same day. 2 days later I was told it wasnt fraud. I filed another fraudulent claim to dispute this on XXXX. Once again they denied it and said it wasnt fraud they said cause they said I compromised my PIN number. I never gave this man any personal information about me. He is a convicted felon and probably somehow seen my pin. I dont know how he figured it out! So I contacted the XXXX on XXXX. They sent me a response on XXXX that Td bank still says it wasnt fraud! The XXXX county sheriffs office supeoned Td bank for the atm location so they could review the film to see who withdrew the money. On XXXX the sheriffs office contacted me to say that they would have to close the case because Td bank didnt know what atm the money was withdrawn from. XXXX said that if I couldnt get that film to show who withdrew the money on the XXXX th of XXXX, I wouldnt be reimbursed the money that was taken out of my account! I dont know what else to do. I am so very very upset and I dont think its fair that I have to go through all of this. I am the victim and I thought I did everything right to get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: EQUITY LOANS LLC
State: FL

Complaint narrative:
Well i had a house in XXXX and the first payment going to be on XXXX i didnt pay XXXX and XXXX finally in XX/XX/XXXX i sold that house everything so the payment now wAs off payment was in XXXX no debt nothing was only 60 days late i got my points in my credit up again and now the reported to my credit 120 days to 149 days late i called them tried to fixed and they cant do nothing i have to wait i ask for a letter and nothing either, is urgently cause im under contract and my credit its bad for that error of them equity prime XXXX XXXX please

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 2021-03-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
Received a call returned call. Transferred me to someone e else. Before is said anything he asked is " this XXXX XXXX '' then he said " ok Mr then he said my birthrate and last 4 of my social '' then send there a court case that has been filed against you ''. At that point I told him not to call me again. Ever sence then they've repeatedly called from XXXX XXXX XXXX. Then they would call from a random cloned number right after. They do this 2 to 3 times a day sence XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: CA

Complaint narrative:
My refinance closed in mid XXXX - UWM was paid in full and the remaining moneys in my escrow account plus any overages were due to me ... on XX/XX/XXXX the lender claimed they sent me the check ... by XX/XX/XXXX I hadn't received so I called them and they stated they would instead wire finds, and obtained my checking account and routing number ... 7 days later I called them again today and they are saying while they see the call from last week and the request to wire, it has been cancelled and instead a check will be reissued - nearly 60 days after the refinance was closed and the payoff processed ... this means I won't have these funds to pay other high interest bills and it will actually end up costing me {$1000.00} 's of dollars due to their ineptitude ...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have tried to get a hold of Capital One customer service inability to investigate a FRAUD have let me no option other than to contact the Department of Consumer Affairs and Federal Trade Commission. 

I sent to client who provided the shipper by USPS and delivered two day before purchasing let me wonder how did Capital One refused to provide me FULL CREDIT. No one from seller has responded to my emails and your employees have no clue who the CEO from Capital One is. The letter Capital One just sent me dated XX/XX/2021 with case # XXXX with XXXX tracking number is NOT even recognize by XXXX. XXXX has confirmed to me this is NOT a track number to me. So, Capital One did not even bother to contact XXXX or USPS even when I provided all this info and capital one customer service employees have no clue how to handle this FRAUD. 
I spoke with so many people at their customer service and refused to provide me an email address, however capital one sends me so many emails but I can't reply to them, why?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-19 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: VA

Complaint narrative:
I was scammed into investing with a real estate/entrepreneur money making scheme called the XXXX XXXX XXXX  method. This company is know as XXXX XXXX and enticed individuals to open credit card accounts to pay for their educational services. In XXXX of XXXX the Federal Trade Commission issued Preliminary Injunction Order : 2:19-cv-00713-DAK-EJF, requesting Zurixx LLC to suspend all activity for services in connection with advertising, marketing, promoting, or offering for sale of any goods or services for making false claims. 

On XX/XX/XXXX the Federal Trade Commission filed the " Second Amended Complaint for Permanent Injunction and Other Equitable Relief '' Case No. 2:19-CV-00713-DAK-DO vs. Zurixx LLC and the case is still pending resolution. The permanent injunction is attached. 

XXXX XXXX assisted and enticed me to open this account and charged me for their services which were deemed fraudulent by the Federal Trade Commission. I've attempted to contact to resolve this issue with CITI Bank with no assistance from them. Countless hours have been spent trying to remediate the fraudulent charges but they do not agree. This has severely affected my Credit Score.

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 2021-03-19 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: DE

Complaint narrative:
Hello, I paid off my Firstmark student loan on XX/XX/XXXX. I called in today ( XX/XX/XXXX ) to ask that the account be updated to reflect PIF instead of in repayment. I was told that their systems take 20 days to update from rpmt to PIF, to allow for bounced payments, etc. I then requested that the PIF status be expedited, and was denied. I asked when my account reports next to the CRAs and was told that Firstmark is a month-end reporter ( so, XX/XX/XXXX ). However, if it takes 20 days to update the account to PIF, my thought process is that on XX/XX/XXXX the account will report open/current with a {$0.00} balance ( illogical reporting condition ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 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: NV

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. They were once deleted and put back on my report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: PA

Complaint narrative:
Loancare is our mortgage servicing company, who we have paid our mortgage to, on-time since the beginning of our loan. Loancare has failed to pay the property taxes on our home for over a year. The delinquent taxes have now gone to the county attorney who is threatening to file against us in court to take away our home if the taxes arent paid. We have been trying to get loancare to pay the taxes since XX/XX/2020 to no avail. They are basically holding our escrow money hostage and are delinquent on the tax payments. We have called over 30x, sent countless emails, sent the tax bills via digital pdf and certified USPS mail, still no payment made. We need help. We need loancare to release our funds or pay our taxes, plus the penalties, interest, bureau fees and attorneys fees from the county.

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 2021-03-19 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items in 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress youve caused me. My information was also impacted by the equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation