vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-01 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: CA

Complaint narrative:
I purchased a XXXX XXXX  from XXXX XXXX online store ( XXXX # XXXX ) on XX/XX/XXXX, which cost me {$1100.00}. The wheelset has a problem of cutting sidewall of tires. After speaking to XXXX with XXXX XXXX XXXX ( owner of XXXX XXXX ) on XXXX XXXX, XXXX, I shipped my XXXX  to XXXX XXXX  on XXXX, XXXX and it was delivered on XXXX XXXX, XXXX. XXXX ( customer service ) at XXXX XXXX also confirmed the delivery of my return, but he stop replying my e-mails and I couldn't get any updates from him. I called XXXX XXXX and spoke to his colleague, but nothing happened. 

I filed a dispute with my Citi credit card, and the case has been resolved in my favor ( see attached ). Because I didn't see the credit applied to my account by the time I noticed ( from email ) that my case was resolved, I thought I have to withdraw my case to end the case and to get my credit back. It was only after I saw the paper mail notice ( see attached ) and the reverted credit on the recent bill that I realized that this wasn't right, Citi applied temporary credit to my account when I opened a dispute and reverted credit when I clicked on withdraw. 

But, how can a conditional permanent credit from a resolved case be reverted again? There are too many misleading things from my credit card service. 

After I spoke to the Citi dispute department, they insist that there's nothing they can do which is ridiculous. How can Citi design a system that allows customers to withdraw any resolved case cause revert of a conditional permanent credit? A resolved case on the web page should be closed, why do they give you a withdrawal bottom? They didn't provide clear information for the dispute procedure in the first place and they won't re-dispute for their customer. They ask me to speak to a merchant who now thought I got reimbursed from the credit card company I felt I've been scammed twice in this purchase, one by XXXX XXXX  and the other by Citi.

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 2020-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My complaint is regarding XXXX XXXX XXXX. They placed an unauthorized inquiry on my Equifax credit report on XX/XX/2019 and they have not yet taken it off. I am victim of Identity  theft and this has been reported to the 3 Credit Bureaus and Law enforcement, please see below. Personal statement ( s ) XXXX &XX/XX/XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Remitly, Inc.
State: NY

Complaint narrative:
My name is XXXX XXXX XXXX Transfer No R XXXX I sent {$570.00} on XX/XX/2020 Still I didnt get deposited to my account. I called them couple of times but they didnt pick up the phone. There is no customer, chats and Email Services is available at all. I want my money back from Remitly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 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: LA

Complaint narrative:
I am a victim of idenity theft.I have accounts in my name that I did not authorize. Please help [ me with this matter.

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 2020-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX has employees or representatives during a 3 month period poor customer service for pandemic relief. The credit bureaus and XXXX XXXX has blocked or locked from disputing errors and insensitivity of pandemic event. I need car and home. My score was around 700 and last week even with excessive emails and vain calls, my score was lowered 300 points of their malice, unfair reporting during global fatalities and pandemic. They are the only transaction on report of any kind. 
They denied for crisis relief assistance when had high score. They refuse to reply to appeal request for over a month. They came back with nonsense to not approve the loan. We have been members for around a decade. They even replied because not offer a counter offer, they I am not approved. They refused allot verbal or simply signed fax, after lockdown to resolve and balance this matter.

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 2020-06-01 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: TX

Complaint narrative:
I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on XX/XX/2020 and never heard anything back. So I sent a 30 day comply on XX/XX/XXXX and I've yet to get any feedback on my investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 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: VA

Complaint narrative:
I submitted a complaint to all three credit bureaus. I also submitted a police report of identity theft. They made no effort to eradicate the items off of my report even with proof of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have tried calling all three bureaus and can not get past automated system. I have also tried getting online help with those that allow that and nothing. With Trans Union I can not log into my account and for some reason I am getting message information is wrong and it isn't. I have even reset my password and it still says the information is wrong. Now I can not reset because I keep getting looped back to please enter your social security number. I filed disputes on 6 accounts a while back and have not received any report back or confirmation. On XXXX   and XXXX  I was able to log in but these disputes are nowhere on my account or report nor are they in my alerts. I am sure it is so with Trans Union but I can not check because I can not log in nor reset my password. I am tired of dealing with these people.

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 2020-06-01 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: LA

Complaint narrative:
I am a victim of idenity theft.I have accounts in my name that I did not authorize. Please help [ me with this matter.

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 2020-06-01 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: LA

Complaint narrative:
I am a victim of idenity theft.I have accounts in my name that I did not authorize. Please help [ me with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 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: VA

Complaint narrative:
I submitted a complaint to all three credit bureaus. I also submitted a police report of identity theft. They made no effort to eradicate the items off of my report even with proof of identity theft.

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 2020-06-01 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: VA

Complaint narrative:
I submitted a complaint to all three credit bureaus. I also submitted a police report of identity theft. They made no effort to eradicate the items off of my report even with proof of identity theft.

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 2020-06-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I used rewards points and credit card to buy 4 tickets to XXXX. 
Since Covid, the flight was subsequently canceled. USAA is claiming that they can not refund the tickets. They are using a third party vendor XXXX that is unresponsive. I have attempted on multiple days to reach out to the vendor to no avail. USAA is unable or unwilling to investigate the issue on my behalf. I just keep getting rerouted to same phone number run by XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 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: TX

Complaint narrative:
I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on XX/XX/XXXX and never heard anything back. So I sent a 30 day comply on XX/XX/XXXX and I've yet to get any feedback on my investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 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: TX

Complaint narrative:
I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on XX/XX/XXXX and never heard anything back. So I sent a 30 day comply on XX/XX/XXXX and I've yet to get any feedback on my investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I have contacted Experian on several occasions in attempt to gain access to my credit report and my credit score, however they are stating that I do not have one generated because all of the lenders I have accounts with are not reporting to them. However, I have contacted all of the lenders and all three of them ( XXXX, XXXX XXXX, and XXXX XXXX ) all have verified that have been reporting to Experian for the last two years. When I pulled up my other credit reports with XXXX  and XXXX  all of my accounts are being reported, so this must be something going with Experian. I have tried to explain this to Experian and they refuse to help and find a resolution. Because of this situation, I am unable to get my true fico score from MyFico because they stated that Experian is giving them an error when they request my file from 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 2020-06-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
On or XX/XX/XXXX, I noticed I had misplaced my CareCredit MasterCard rewards credit card. As a result, I contacted Synchrony Bank via their website chat feature to inform them of my lost card and request a replacement card. After confirming a few details with me, the request was processed. 

A few days thereafter, I received notification from my credit monitoring servicer advising that my CareCredit MasterCard account had been closed. I quickly contacted Synchrony Bank to inquire why this is so when all I requested was a replacement card. Synchrony explained that my account was not actually closed but it was their policy to report it as " closed '' to all three credit bureau. I also asked if it was policy to advise their consumers about this consequence. They confirm that it was their policy. 

At that time, I advised them that I was NEVER informed that my account would be reported closed to all three credit bureaus as a result of me reporting my credit card lost and requesting a replacement card. If I had been told this information, I would have looked more carefully in an effort to locate the missing card. Because of this false information, my credit score dropped more than 20 points. In addition, since my request, I have not received my replacement card despite being told it would arrive in 7 to 10 business days. 

It is unfair for a credit card company to report inaccurate information to the credit bureaus and on top of that, make fixing this information contingent upon my official receipt of my replacement card. So because they're not going their job correctly, I'm punished to sit around and wait until this phantom replacement card arrives while my credit score and report suffer?

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 2020-06-01 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have tried calling all three bureaus and can not get past automated system. I have also tried getting online help with those that allow that and nothing. With XXXX XXXX I can not log into my account and for some reason I am getting message information is wrong and it isn't. I have even reset my password and it still says the information is wrong. Now I can not reset because I keep getting looped back to please enter your social security number. I filed disputes on 6 accounts a while back and have not received any report back or confirmation. On XXXX  and Equifax I was able to log in but these disputes are nowhere on my account or report nor are they in my alerts. I am sure it is so with XXXX XXXX but I can not check because I can not log in nor reset my password. I am tired of dealing with these people.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have tried calling all three bureaus and can not get past automated system. I have also tried getting online help with those that allow that and nothing. With XXXX XXXX I can not log into my account and for some reason I am getting message information is wrong and it isn't. I have even reset my password and it still says the information is wrong. Now I can not reset because I keep getting looped back to please enter your social security number. I filed disputes on 6 accounts a while back and have not received any report back or confirmation. On Experian and XXXX  I was able to log in but these disputes are nowhere on my account or report nor are they in my alerts. I am sure it is so with XXXX XXXX but I can not check because I can not log in nor reset my password. I am tired of dealing with these people.

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 2020-06-01 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Real Time Group, Inc.
State: IA

Complaint narrative:
On XX/XX/XXXX I was informed by the agents name of XXXX that my account is in a rears by a month, which is not true because I always pay every month. Last month, when I made a payment to Realtime, their agent XXXX XXXX on XX/XX/XXXX stated that I was paid in full with my payment of {$110.00}. Now today, XX/XX/XXXX, XXXX tells me that I am in a rears one month and that I need to make double the payment and that this comes from a late payment from back in XXXX of XXXX! I am just being informed of this now over the phone. I am supposed to have gotten documentation from them on my past payments but they have not emailed those to me either. another suspicious part of their story is that my account has no interest since XX/XX/XXXX so even though the late payment might have been {$10.00} there is no way that it would equal a whole separate house payment!!! The agent I spoke to in XXXX when I was informed of the new terms of my agreement was that the bank got rid of the late payment and that there would be no late payments and that there would be no interest until further notice. So there is no way with there being no interest would the late fee have gotten this far advanced and why is it that I am now just hearing about this?! This is an atrocity! EVERY month I make a complete house payment and I do not skip. 
How can a company get away with this kind of behavior? Every month until now, I thought everything was good and now this is happening. These big companies do not care about the little guy and take advantage anyway they can. It's also interesting that their customer service does not mention this payment to me until now. I am not the only one they have done this to. If you look this company up you will see that there are hundreds of these similiar instances. Why is this all of the sudden being brought to my attention after a year of phoning in my payments? Where are they getting this bogus charge? This is fraud, making up a payment that I do not owe!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 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: NJ

Complaint narrative:
Several attempts have been made by myself and my attorney to have a bill paid by the correct party concerning a XXXX. claim, but no solution or correction has been made. XXXX XXXX XXXX XXXX : CP # XXXX names XXXX XXXX, XXXX at XXXX XXXX XXXX. XXXX NJ XXXX attn : XXXX XXXX XXXX, XXXX. as the proper place the bill and collections belong to. This matter has been settled in NJ XXXX court. Letters dated XXXX XXXX, XX/XX/2018, XXXX XXXX and XXXX XXXX have been sent to above mentioned and ignored. Please have this removed from my credit report immediately and placed on the correct debtor. 

Thank you 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