vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-02 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: TX

Complaint narrative:
On XX/XX/XXXX of 2020, I purchased a vacation package on the XXXX XXXX XXXX website with my Citi Bank American Airlines credit card XXXX and due to the coronavirus outbreak, that vacation was canceled. 

On XX/XX/XXXX of 2020, I submitted a dispute in Citi Bank because it still reflected that charge, even though the purchase was canceled several weeks before and the money had not been returned to the credit card. 

Around two weeks after that dispute, I received my money back in my account, but today ( XX/XX/2020 ), I see that same amount reflected again in my credit card statement, and the bank says that the investigation was complete and resolved in merchant 's favor on XX/XX/2020, so I'll have to pay for a vacation that I didn't do due to a pandemic. 

I appreciate all the help that you could give me about this situation.

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 2020-06-02 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: PA

Complaint narrative:
I am asking to provide me with verification of documents that clearly identified that the following collections accounts belong to me. I am asking you to get the correct documents. I have reached out to all of the following collection agencies and every one of them sent me one bill that it appears to be from a creditor that doesn't list anything but my name on them. That is it. It doesn't show a social security number, a contract or anything showing that I opened these accounts. Credit Reporting agencies are required to report factual information only. The reporting of non factual information is against the law. Please, Please provide me verification of these documents truly belong to me a I am getting nothing from these agencies but a bill with my name on it. That is unacceptable. If you can not get what I am begging you to get, please remove this information from my credit reports. I request this information for the following : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: AXOS FINANCIAL, INC.
State: FL

Complaint narrative:
H & R block-Emerald Card was set to send me a new card because there was fraud committed on my account. There were some fraud internet charges that they thankfully managed to stop. The new card never arrived, and on Memorial Day I received text notifications that there were ATM withdrawals on my account. I tried calling but offices were closed due to the holiday. Later that same day, I received e-mail notifications that someone was trying to link my new card to another H & R block account. I called the number on the e-mail, and again no answer because offices were closed. The following day I called and informed them of the entire situation. They sent me forms to fill out to formally file the Fraud claim. I e-mailed the forms over and was told through the phone that someone will contact me about the " investigation ''. Today, XX/XX/XXXX, I called for an update and was told that the claim was denied and that the decision was final, and to wait for a letter in the mail about this. No further information was given. I called a total of five times to H & R block and the Emerald card people trying to find out anything about the reason and to reach the team that conducted the investigation. No one could tell me absolutely anything. Neither about my claim, the so-called investigation, nor the denial. They don't even have a direct number to the " investigation team '' or department. Almost {$2000.00} were taken from my account. 1. I was never contacted by the " investigation team ''. 2. They clearly have recordings of me calling to inform them that someone is stealing my money and trying to link my card to their account. 3. What did they investigate?! and why doesn't anyone in their team know the reason or can give me a number. If someone was trying to link their account to my card, who was it? If they used an ATM machine, request recordings! Why don't they prosecute THEM? My account is left with {$6.00}!!!! and I get my claim denied with no information but to " wait for a letter in the mail that will arrive in 5 business days ''. That doesn't help me at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
To Experian Escalation Department : I ( not a credit repair company ) have contacted the following companies reporting to my credit file and according to them, there has been no communication noted from Experian regarding these items. Out of an abundance of caution and in accordance with the Fair Credit Reporting Act I request the following : 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] paragraph ( 6 ) ( B ) ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; I ( not a credit repair company ) am CLEARLY requesting the Method of Verification used to contact these furnishers and the specific name and number ( please include extension if applicable ) of the person contacted ( An employee looking at their computer screen and matching a name listed in their database is NOT verification or validation of any alleged debt ) ( Previous request not honored ). And as the following items can not be verified, please delete them from the credit file ( hoping that this is clear ). Your lack of meaningful response seems to be an obstructionist tactic : ACCOUNTS XXXX XXXX XXXX NA XXXX not mine STATE OF MI XXXX XXXX XXXX not mine COLLECTIONS XXXX XXXX   XXXX XXXX not mine How is Experian able to verify these items when other agencies can not? 

621. Administrative enforcement [ 15 U.S.C. 1681s ] ( a ) Enforcement by Federal Trade Commission. 
( 2 ) Penalties ( A ) Knowing Violations. Except as otherwise provided by subtitle B of the Consumer Financial Protection Act of 2010, in the event of a knowing violation, which constitutes a pattern or practice of violations of this title, the Federal Trade Commission may commence a civil action to recover a civil penalty in a district court of the United States against any person that violates this title. In such action, such person shall be liable for a civil penalty of not more than {$2500.00} per violation. 

Identification already on file, please notice your internal Report Number. Please send me a complete updated copy of my credit report. Additionally, DO NOT place a fraud alert or promotional block etc. on my file without my expressed permission.

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 2020-06-02 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: PA

Complaint narrative:
I am asking to provide me with verification of documents that clearly identified that the following collections accounts belong to me. I am asking you to get the correct documents. I have reached out to all of the following collection agencies and every one of them sent me one bill that it appears to be from a creditor that doesn't list anything but my name on them. That is it. It doesn't show a social security number, a contract or anything showing that I opened these accounts. Credit Reporting agencies are required to report factual information only. The reporting of non factual information is against the law. Please, Please provide me verification of these documents truly belong to me a I am getting nothing from these agencies but a bill with my name on it. That is unacceptable. If you can not get what I am begging you to get, please remove this information from my credit reports. I request this information for the following : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-06-02 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: AR

Complaint narrative:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Securus J Holdings, LLC
State: FL

Complaint narrative:
I rec 'd a call from XXXX  XXXX XXXX XXXX saying I didn't pay my account right and they needed my credit card ASAP or turning off my electric. I gave my XXXX XXXX XXXX credit card but they were not XXXX  XXXX XXXX  XXXX  and transferred money to JPAY to pay a prisoner in the XXXX XXXX area. I didn't know this but when I hung up I felt I had been scammed and called XXXX XXXX XXXX XXXX told them the story not knowing about JPAY and they checked with 15 minutes of my scam called and said I was charged {$210.00} I said it was fraud and they canceled my credit immediately. They issued a new credit card and said to activate immediately. I did and they transferred the scam charges to my new account. I have tried called several companies including the Police, The Sherrif 's Office, The Federal Trade Commission, XXXX XXXX XXXX, JPAY, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Several calls account still has scam amount due

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
Hello, I am currently trying to refinance my mortgage that is currently held by XXXX XXXX and being serviced by SHELLPOINT MORTGAGE SERVICING. 

My new lender ( XXXX ) requested collateral documentation from Shellpoint and XXXX XXXX to begin the refinancing over three months ago in late XXXX. XXXX XXXX and SHellpoint have refused to provide collateral and transfer documentation and has been unresponsive to XXXX 's requests. They continue to drag their feet and have made no effort to process the refinancing despite repeated requests.Please help! It should be illegal to refuse such information and I feel as if I have no ability to move this along.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
To TransUnion Escalation Department : I have contacted the following company reporting to my credit file and according to them, there has been no communication noted from TransUnion regarding these items. Out of an abundance of caution and in accordance with the Fair Credit Reporting Act I request the following : 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] paragraph ( 6 ) ( B ) ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; I am CLEARLY requesting the Method of Verification used to contact these furnishers and the specific name and number ( please include extension if applicable ) of the person contacted ( An employee looking at their computer screen and matching a name listed in their database is NOT verification or validation of any alleged debt : ACCOUNTS XXXX  XXXX not mine Identification already on file. Please send me a complete updated copy of my credit report. Additionally, DO NOT place a fraud alert or promotional block etc. on my file without my expressed permission.

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 2020-06-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
The credit card operator ( Citibank ) offered a planned payment for purchases on the credit card at a reduced APR, offer that is available until XX/XX/2020. I have read all the exclusions and based on that I paid services rendered to me on the value of {$3300.00} which I fully intended in break down in 16 payments based on their proposal. Once the payment posted and I tried to use the promo, I found that my transaction wasn't eligible and I called customer service, which were not able to give a reason why the charge was ineligible. I told them that it was eligible according to the site and they said it could be due to low limit available or changes in credit worthiness. I explained then that the purchase was using only around 30 % of my available limit and that recently my credit score has been better than ever before being around high XXXX end sometimes XXXX. At this point they said they other criteria that could apply but couldn't tell me what. I then asked if this was a lottery and the manager actually answered that it could be considered like that. Amazed I told them that if I knew that I would never have user their card to pay for this transaction before hand and that this information wasn't promptly available on their site to which she offered to send some documentation which I recused since I think this information should be available on the site where I consulted before taking this decision, not as an after thought.

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 2020-06-02 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/ original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. XXXX  XXXX XXXX {$2500.00}, XXXX {$4600.00}, XXXX XXXX {$4600.00}, and XXXX XXXX {$280.00}. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc.
State: MD

Complaint narrative:
On XX/XX/XXXX I requested {$260.00} currency from Coinbase. The money was put into a vault that can only be withdrawn by validating two emails sent to two different accounts. The system has a flaw because it is impossible to verify the second email, which is documented on different websites from different customers with the same problem. Every day I go through the same process trying to retrieve my money, the primary email works ( XXXX ), the secondary ( XXXX  ) gives you the message " You have already performed this action. '' Turns out this problem have been going on since XXXX. In a time of the virus, I have no money to be sitting around with this company. To make things worse the customer service does not exist, they send emails that they are looking into the problem, but no very well what the problem is, they are stalling and just holding on to peoples money. It is now XXXX Please help me get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 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: NM

Complaint narrative:
I was not made aware of a balance due of {$99.00} on my Kohl  's  card until I received notice by my credit tracking service ( XXXX  ) in XX/XX/XXXX. The amount showed as {$190.00}, which was not familiar to me. This reporting by Kohl 's caused a large drop in my credit score. I have always paid my bills on time for all accounts, and this reporting dropped my score from 800+ down by 60 points or more. I called Kohl 's on XX/XX/XXXX and let them know that this amount did not look familiar and that I didn't recall receiving any notices of this amount, and that I have always been an exceptional payer. After several requests, the representative was finally able to tell me that it was for a {$99.00} purchase in XXXX, and that multiple late charges had been added to get to the {$190.00} total. I reiterated that I had not received any notices on all of this activity. I asked if I was to be getting notices via e-mail or through regular mail. There was some confusion as to how, and I am still not clear if I am to get things via e-mail or regular mail. In addition, I discussed the inundation of advertising and marketing materials from Kohl 's that are confusing. 

I was told by the representative that if I made the payment that day, they would reverse all of the late charges. I further asked if the late/derogatory reporting to the credit bureaus would be pulled back, and the representative said it would be taken care of. I made the payment in good faith that day via a draft on my bank account. To date, this has not occured. I have reached out to Kohl 's on this, as well as filing disputes with all 3 credit reporting agencies, which are still in process. I received a letter yesterday from Kohl 's where they said that " they have determined that the information previously furnished to the credit reporting agencies is accurate '', without further comment on the specific circumstances I shared. This is not consistent with the reversal of the late charges they made and the affirmation by the representative that the late/derogatory reporting would be corrected. This would be appropriate in this situation given lack of notifications received on a balance due and additional charges added, confusion around how I was/am to receive information, glut of materials sent out via e-mail and regular mail and my exceptional payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Over the past year more Experian credit score has varied from month to month without any changes in my credit activity. Recently it has been trending down, while the other two Agencies remain much higher and don't vary. There have been no changes in my credit activity, no inquieries, payments remain on time, and basically no explanation for the variations in score at Experian. Some months it's up and then for no reason goes down, and then goes upon again. I've not been happy with my Experian score and have worked hard to improve it. I have one missed payment in 2015 from XXXX 's due to a bill my wife misplaced for a payment of less than {$10.00}. It was paid the following month in full. I understand the mechanics of this and realize it can't be changed ; I'm not asking for this. I simply want to know why, out of the three Bureaus, Experian 's scoring system is so far off the other two Bureaus and why it varies when there has been NO change in my activity.

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 2020-06-02 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: CA

Complaint narrative:
Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( XXXX plus ) days late on the XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) The date of last activity on this account was on XX/XX/XXXX. It would be impossible to be late on an account where no payments have been made since XXXX. Also, there is a new reporting date of XX/XX/XXXX. It is a violation of the Fair Credit Reporting Act to re-age an account and change the account number to report as current. The FCRA is mandated to report accurate account information on a credit report. This false reporting of a chargeoff account with lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation