vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-30 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: NY

Complaint narrative:
Hi there, So I have been going back and forth for 2 years now in regards to this issue. This is in regards to the XXXX dollar dispute againstXXXX. When I filed the disute I found out that this paymentI made throughXXXX  went through even thoughI canceled it right away the same day. So I thought my funds weren't taken out of my account since I have canceled it and it says it was canceled on theXXXX. 

I then find out the funds were indeed taken out and so I went ahead and filed a dispute because the merchant wasn't giving the item and my funds were gone. This dispute was not resolved in my favour becauseXXXXsaid they did their job and provided the service by transferring the money. 

My question is if I canceled the payment how on earth did they get my money and send it anyway to the merchant and without my knowledge? .And even so I never got the items from the merchant themselves. 

So i contactedXXXXand they told me that it was a tech error on the application and therefore i dont qualify for a refund which is crazy because I did cancel it and yet they still went behind my back and took out my funds. 

I emailed them as well about this and they said that there was a charge back held from citi bank because I DID CANCEL and the payments were REVERSED FROMXXXXBECAUSE I CANCELED butXXXXstill went ahead and called you guys to get the money. WHICH I HAVE NO IDEA WHY AND HOW. 


I canceled the transaction on XXXX XXXX for this money transfer and it still went though without my knowledge then when I saw in my credit card that I was charged I then reached out to the merchant and told them to please give my money back and if not then send me the items I paid for they never gave me my money and they never gave me my items and kept ignoring me. I took this to my credit card company and they didn't do anything about it I also took this to XXXX XXXX and they didn't do anything about it. It has been hard paying this off and I'm collecting interest and on top of it the pandemic took my job and I Just cant pay this off and I shouldn't be paying this off when I was a victim of fraud. So please I am begging to please help me out here. You guys are my last hope. I went everywhere and no one seemed to help me out.

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 2021-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XXXX XXXX and XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX is asking me to pay over XXXX. I have not had any late or outstanding debt since a Chapter XXXX bankruptcy in 2012. My credit reports don't show any unresolved debt. They say the debt came from Citibank. What should I do?

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 2021-03-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I disputed a late payment on my Credit report as inaccurate for my Kohls Charge # XXXX card a 30 day late for XX/XX/XXXX and a 60 day late for XX/XX/XXXX. And as how could this be factual when the montths XXXX- XXXX and XXXXand XXXX shows ok. XXXX  results were that they verified this as accurate, I spoke to Kohls as well 0n XX/XX/XXXX and they said that their system only goes back that far for payment history so how did XXXX  verufy this information when. The creditor Kohls cant even see it in their own system. 
# XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 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:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN FRAUDULENT ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against Equifax, XXXX XXXX XXXX CRA. On XX/XX/2021, I mailed Equifax, XXXX  and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aargon Agency, Inc.
State: FL

Complaint narrative:
The debt claimed are in accurate and covered by insurance. Refused to resolve. False accusations

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 2021-03-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
Comenity bank, branded as XXXX ( travel booking website ) upon consumer request was instructed to close a consumer account on XX/XX/XXXX. In fact, the account was not closed which allowed fraud to be perpetuated on XX/XX/XXXX and Comenity capitalized on that fraud through the imposition of late charges and interest fees. Upon consumer remediation efforts, Comenity was unable to explain how a closed account was permitted to be used for charges a month after the account was to be closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: WI

Complaint narrative:
WESTERN UNION REFUNDED MY MONEY TO A STRANGERS ACCOUNT I have been trying to resolve this problem for years. I used Western Union in XX/XX/2014 to send {$2900.00} plus a {$25.00} fee from my checking account on their website. There were issues picking up the transfer and after months of back and forth I was told the money had been refunded. I then spent a year trying to find out who it was refunded to because I never received it. After a year I told it was deposited to a checking account I had never heard of, completely different from where they received the wire transfer from. checking account at a different bank with a different account number and of some unknown person. WU then claimed they considered the issue resolved because it was refunded. That it was not refunded to the original sender was not their concern. I was told to work it out with the bank but understandably they were less than helpful since I DO NOT BANK WITH THEM AND THE ACCOUNT THE MONEY WAS SENT TO IS NOT MINE. I have gone back and forth for years on this issue with ZERO results. I keep expecting the someone will catch the error and correct it and send me a check or to find it on the unclaimed assets website of my state but nothing. This is a lot of money to me. Although I lose faith and drop it for a while I just can't believe that an institution like this can be so reckless and negligent that they don't have safeguards in place to keep something as simple as refunding the correct accounts in place.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
So recently my citizens bank mobile banking app was hacked into and a check was deposited for {$7800.00}, that was later returned because this was not me and the funds were insufficient. Then XXXX $ was transferred to someone named XXXX XXXX through the XXXX on my mobile banking. Then my XXXX  XXXX  was hacked because 4 separate transactions of XXXX $ were added to my XXXX XXXX and then sent out in 4 different payments to some one named XXXX. This was not me and Ive been telling this to my bank but the fraud claim got denied twice. I tried to contact XXXX XXXX  and they said that they will help in any investigation through XXXX XXXX my bank is now calling me asking for XXXX. I am a student in college and this was a students checking account so i dont know how its even possible for my account to go negative if all I had in it the day before was a few dollars. I need serious help as soon as possible because the collection agency keeps calling me and I dont have the money to pay this and Im also obviously not going to pay for something that wasnt me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FinCo Services Inc DBA Current
State: DE

Complaint narrative:
I had someone call me using Current banks customer support line claiming to be the fraud department. 

This person had my phone number & last 4 of my card already. 

They used this information to acesss my account and transfer EVERYTHING to themselves. 

{$3600.00}! This had to be a inside job & the bank is making no effort to contact me back about this issue!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Collection Services, LLC
State: LA

Complaint narrative:
On XX/XX/2021, Southwest Collection Services added two derogatory marks on my credit report per XXXX XXXX. Upon, further research, these accounts was transferred/ sold and I am no longer responsible for these accounts. Southwest Collection Services did not verify these collections. Also, there was NO written form of communication, contract, or signature for these accused debts at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, Southwest Collection Services has violated my rights as a consumer and Im requesting legal action to remove these accounts immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
Received a letter from a Law firm : Pressler, Felt & Warshaw representing XXXX XXXX XXXX. stating a lien was being placed on my home. I sent a letter to the law firm requesting proof that the debt was indeed mine all that was sent was a court judgement that was filed in court. Nothing proving the debt was indeed mine. Upon doing this research I see that this debt recovery initiated back in XXXX which there was never any communication in regards to said debt. Provide the necessary information proving that this is indeed my debt. Meanwhile a Lien has been placed on my property not sure how any of this was done without my knowledge of anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I do not know how this works, but I need it done or somehow corrected. My name is XXXX XXXX XXXX XXXX SS XXXX. I had some issues with my income being effected by the COVID-19 PANDEMIC SHUTDOWN. I was under the 1 CARES Act, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C. 1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care protect the integrity of my credit file. 
XXXX XXXX # XXXX account is reporting a 30 late payment after I requested assistances due to the pandemic. I am buying a Home this month and these errors are definitely holding back my process

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 2021-03-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/2021 I experienced difficulty signing in to My XXXX  XXXX video, I was instructed to go online for Sign in help. I unfortunately opened a fraudulent site and the person stated how can I help with your account.. He then hacked my bank account checking and savings which I had for 31yrs ... My checking account on a monthly basis had roughly 10 transactions a month. Never doing wire transfer XXXX payments and certainly not 33 bizarre transactions and closing my account in one day.. 
There was absolutely no Fraud monitoring and I definitely did not get Zero liability. 
I hung up called chase Bank immediately and told them freeze my account. They did not they allowed my monies to be wire transferred, XXXX payments etc for 4 days!! 
After I sent XXXX XXXX XXXX of Chase a letter I received a letter back with no signature, however telling me its my problem not theirs. 
I appreciate anything you can do to recover my money as I was furloughed and living off of unemployment and social security

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/2021, I contacted Experian to find out how to place a freeze on and remove a freeze from my credit report. I said I was going to cosign a loan so my granddaughter could purchase a car, and I asked when I should unfreeze my report. I was told I could do it when my granddaughter decided what car she wanted to buy. I was NOT told that it might take a couple hours for my report to unfreeze, so I should unfreeze it and have the car dealer wait a couple hours to check my credit. Therefore, what happened when we applied for a loan on XX/XX/2021, is that XXXX tried to check my credit but was unable to ; and then other financial institutions also tried to check my credit but also were unable to because if XXXX denies a loan, the system automatically goes to the next lender and the next lender and the next, until it gets to the end of the list of lenders. This has resulted in three hard inquiries being added to my credit report and my granddaughter 's, XXXX plus two others. If Experian had told me to wait a couple hours before allowing XXXX to check my credit, my loan would have been approved by XXXX - as it was when my credit was checked after the freeze was finally lifted a couple hours later - and it would not have been necessary for the other lenders to check our credit, and the only hard inquiry would be XXXX. It is Experian 's fault that these two extra inquiries are on our reports, not mine or my granddaughter 's. Also, XXXX did not warn us that if the system resulted in multiple lenders checking our credit, it could result in multiple hard inquiries being added to our credit reports. Had I known that the way XXXX does business could result in extra hard inquiries being placed on our credit reports, I would have gone to a different car dealer and not done business with 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 2021-03-30 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: U.S. BANCORP
State: AZ

Complaint narrative:
On or about XX/XX/XXXX I noticed a XXXX charge for XXXX on my account ending in XXXX. I called Elan Financial Services to advise of the fraud charge. They opened a fraud alert and cancelled my card. They assured me that the the account was closed and no other charges would occur. I received my new card and noticed a feature on the credit card application XXXX that showed a " reoccurring charge '' of {$14.00} for XXXX. I called customer service and they told me not to worry about it, that it was for the other card number and I won't have a problem or new charge again. Yesterday XX/XX/XXXX I noticed another charge for XXXX for {$14.00} under my new card ending in XXXX. I called Elan Financial Service again, went over everything. A new fraud claim was opened, a new credit card was issued. They said they won't follow up with XXXX, they also told me that I can either keep my account open or just " close it for good '' because XXXX in the Fraud Department who said she is the " main XXXX  '' said this charge will " just keep happening '' and there is NOTHING THE BANK/Financial Institution will do. I asked to speak to a XXXX she refused to transfer. She basically did NOTHING to resolve my now ongoing problem. I advised I would file a complaint with the CFBP she didn't care. I contacted XXXX, they advised me a of a partial email account of the fake account. They also stated that I would not receive any further charges on either account. They XXXX XXXX  ) also stated they would issue two refunds to Elan Financial for each charge. I did the work of Elan Financial Service- My credit card 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 non-monetary relief
Consumer complaint received 2021-03-30 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:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX  CRA. On XX/XX/2021, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I am writing to dispute fraudulent charge on my account. I am a victim of identity theft, and did not make or authorize this charge. I am requesting that the charge be removed, and any finance and other charges related to the fraudulent account be credited as well, and that I receive an accurate statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
Capital One Credit Card - Placed in Collections and sent to XXXX XXXX XXXX XXXX XXXX  and placed a Judgement against me - Paid account off, they contacted Capital One, and Capital one was to contact the courts and bureaus to have Judgement against me removed. Could you please look into this. It is preventing us from buying a new home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 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 — Problem getting your free annual credit report
Company: ID Analytics, Inc.
State: NY

Complaint narrative:
SageStream, XXXX, XXXX adamantly refuse under any circumstances rational or otherwise to release my legally entitled free report or to discuss any remedy to release other than to " Read the letter '' in 9-14 days. 

All state in letter that scan ID images can not be verified SS, PASSPORT, DRIVER ID, DMV Documents. All id scans used were exact images furnished to approve bank and credit applications without issue Documents were scanned high quality and faxed XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX Registered Mail Sent on XX/XX/XXXX with Hi res scans of Social Security, License, Bank Statement, Passport and Credit Statement were never adequate

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Consumer Portfolio Services, Inc.
State: OH

Complaint narrative:
I do not know how this works, but I need it done or somehow corrected. My name is XXXX XXXX DOB XXXX SS XXXX. I had some issues with my income being effected by the COVID-19 PANDEMIC SHUTDOWN. I was under the 1 CARES Act, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C. 1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care protect the integrity of my credit file. 
CONSUMERPORTFOLIO SVS # XXXX account is reporting a 30 late payment after I requested assistances due to the pandemic. I am buying a Home this month and these errors are definitely holding back my process

Company response to consumer: Closed with explanation