vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-22 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
There is a fraudulent {$39.00} charge for a credit card ending in XXXX even though I have not even received this card in the mail yet ( this transaction is dated XX/XX/19 and is copied below ). XXXX was a replacement card for the card ending in XXXX because there was a fraudulent charge billed to that card as well ( the original fraudulent charge was billed to card ending in XXXX on XX/XX/19 and is also copied below ) : XX/XX/2019 Merchant Details XXXX XXXX XXXX, Florida {$39.00} XX/XX/2019 Merchant Details XXXX {$39.00} I have never heard of, communicated with or dealt with either of the two merchants referenced above. When I called Citibank all I got was a replacement card that I was told is being mailed to me. To the best of my knowledge, the bank has not investigated either of the fraudulent transactions listed above.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC
State: SC

Complaint narrative:
calalry portfolio services, LLC says i owe them money and i have tried to resovled the problem because i dont know anything about this debt with cavalry portfolio services , LLC i dont have a contract with them i havent even signed any papers with them they have damaged my credit report for something i dont know anything about. they are invading privacy

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22 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: OH

Complaint narrative:
Case Number XXXX I would like to APPEAL that case and get it resolved. I will seek further legal actions against citi bank if it wont get resolved. CFPB complain number XXXX-XXXX  Ordered merchandise WAS NEVER RECEIVED! MERCHANT FAILED TO DELIVER ORDERED DOOR! 
On XX/XX/19 I prepaid deposit XXXX $ using Visa card. 
On XX/XX/19 merchant contacted me that door was ready and I paid remaining balance online XXXX $ using citi card On XX/XX/2019. My husband picked up the door and when my contractor saw the door same day it was very poorly made, and bowed and would be impossible to install. Moreover it didn't look like anything we ordered. See attached photos. 
On XX/XX/19 merchant agreed to to take the door back and make replacement door within 2 weeks. 
On XX/XX/19 my husband RETURNED the defective door to the merchant in person. I have screen shot as well. 
On XX/XX/2019 I contacted the merchant asking about the replacement door since it was 2 weeks and they promised to have it ready by XX/XX/2019 On XX/XX/19 I contacted merchant again and they promised to get the door ready by XX/XX/19 for pick up. 
On XX/XX/19 merchant informed me that door is not ready and they will deliver it on XX/XX/19 to my house. 
On XX/XX/19 merchant never delivered the door and failed to respond to my messages and phone calls. I tried to contact merchant again on XX/XX/XXXX and never heard back, same day I filed disputed with citi card and visa card and ordered the door from different merchant. Merchant had 2.5 month since order was placed in XXXX to deliver door as promised and failed to do so or communicate with me on a timely manner.. My husband is a military veteran and the way citi bank handle this case is unacceptable. I have been a loyal customer for a long time. 
Also attached is a screen shot where on XX/XX/2019 we canceled the transaction with the merchant due to NON DELIVERY and NON COMMUNICATION! I DONT HAVE MERCHANDISE IN MY POSSESSION. 

On XX/XX/19 citi bank contacted me claiming I need to provide slip that merchant agreed to refund me, witch is NOT the case. Citi bank refused to help and resolve the case!

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 2019-11-22 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:
In XX/XX/2019 I opened a secured credit card account with CitiBank in the amount of {$1000.00}. Under the agreement of the secured account my credit limit would be equal to my deposit. I have paid my monthly bill on time every month without any problems. On XX/XX/2019 Citibank Approved a transaction in the amount of {$2200.00} without my approval and a amount that was {$1200.00} over my credit limit. The charge was a overcharge from a car rental place. I filed a dispute and Citibank sided with the car rental place, even after admitting I never gave the car company authorization. Citibank has the paperwork that clearly shows I never signed the agreement. Citibank will not fix the problem or explain how My account was charged {$2200.00} with my credit limit only being {$1000.00}. Whose to stop them from approving a {$100000.00} charge then telling me I owe them? This charge should had never been approved and definitely should not have sides with the merchant if the agreement was never signed. I have the documents but Citibank uses a complicated process for documents that prevents you from downloading or printing the files?

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 2019-11-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
On XX/XX/2019 A Home Equity Line of Credit with Citizen 's Bank was paid off in full via ACH from XXXX XXXX. Bank statements show this transaction being completed and credited to my account on XX/XX/2019. On XX/XX/2019 a " preauthorized '' debit for the monthly payment of about {$350.00} was debited from the checking account with balance of about {$79.00} resulting in an overdraft. This payment should not have been processed by Citizens due to the XX/XX/XXXX payment in full. Citizens refuses to reverse the double charge to the account, refuses to refund the {$79.00} and refuses to close the accounts as of a phone call on XX/XX/2019. It appears Citizens ignores payments that XXXX out balances, pre-authorizes debits well in advance of payment date and without any procedure for cancellation by the consumer. Further, their policies are designed to maximize fee income by refusing to close accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: IA

Complaint narrative:
Portfolio Recovery they do nothing but harass to try to collect a debit. They use different phones from all over the United States. When my bank wrote off this debit in XX/XX/XXXX all they had was my cellphone number. XX/XX/XXXX I changed my cellphone number. they then started to use my home phone number which is listed. For 6 years now Portfolio Recovery is doing nothing but to harass. I also believe that Portfolio Recovery is being manipulated by a XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Iowa XXXX. ( XXXX ) XXXX. XXXX XXXX is an identity thief. She had gotten away with identity theft on the two credit cards that Portfolio Recovery is trying to collect for. She owns the XXXX car dealership XXXX XXXX that I worked for 20 years ago. XXXX XXXX is a harassment queen. For the last 4 years an investigator for the Iowa Attorney General has been working on a case against XXXX XXXX and XXXX XXXX. This phone number XXXX XXXX is from XXXX Iowa. In XX/XX/XXXX XXXX XXXX was using the indentity of a XXXX XXXX from XXXX Iowa and acting as a regional manager for Iowa XXXX XXXX. I turned her into XXXX in XX/XX/XXXX. On the XXXX website it just shows this number as suspected spam telemarking. This was the number that was put into my caller ID. I have call rejection on my landline phone and the call rejection and the last number called is a number from XXXX XXXX. That number comes back at XXXX as a XXXX XXXX. with complaints as Portfolio Recovery.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I made an exchange for digital goods online on a third party website, where I had an arrangement after funds were sent to me I would release digital goods. After confirmation was sent to me that funds where sent and funds where received on paypal, I transferred the digital goods. A month or so later I realize my account is negative and when I tried to contact paypal they claim that they dont cover these transactions and that it was a fraudulent transaction. Even though no transaction occurred over paypal other then receiving monies owed.I have proof of the transaction and even a picture the individual sent me that they sent me the funds. Which they don't even want to accept since they do not accept these types of transactions they claim.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-22 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: La Casa Bonita Investments
State: FL

Complaint narrative:
Received a call from 1file.org claiming to help with loan consolidation for my student loan. I payed {$900.00} up front and {$39.00} a month for this service. I have not seen any consolidation information or loan forgiveness help. I am paying two separate amounts, {$39.00} to 1file.org and {$160.00} to XXXX. I am wondering if the 1file.org company is a scam and how I can stop the monthly payments.

Company response to consumer: Untimely response
Consumer complaint received 2019-11-22 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: FL

Complaint narrative:
I called many times TransUnion to report that I never did a bankruptcy that was reported under my old XXXX account. I disputed two times, and they always answered that after dispute it is there to stay until XXXX. I called XXXX, and same answer. On XX/XX/XXXX, I went to United Sates Bankruptcy Court Southern District of XXXX, and I paid to have them to do a search, and they did issue a sealed one page report stating that they " none found '' any pending or closed bankruptcy cases in this district. It's been 6 months that I'm fighting and dispute with TransUnion, they hung up on me, and a supervisor even read the notes that other employees put in my file, and the employee lied in his notes. 

How come a reporting agency or a credit card can put whatever they want even if it's not true. It's illegal, false information, I NEVER did a bankruptcy. This is destroying my life. In the USA you can not do anything with this mention in your credit bureau, your life is almost destroyed. I had more than 36 mistakes in my file with TransUnion this year. In the report attached with this complaint you will see that in XX/XX/XXXX they were supposed to DELETED the bankruptcy and they never did. That's a lie. Why sending a Dispute Report if it this not true? TransUnion as the goal to destroy people only. They just care for the paid clients like XXXX. 

I will attached also a letter directly from XXXX that I received in early XX/XX/XXXX, and in the rectangle everything that is there, it is totally false, they did exactly the opposite. They still report me every month even if my account is close since long time, that file affect my credit score no doubt. 

That needs to stop. If this system can allow me to download documents, I will certainly join proof for CFPB to help me as quickly as possible. 

I also have another NEW problem with TransUnion since yesterday. I think, not to mix things, that I will initiate another complaint after this one, to be able to explain my NEW problem with TransUnion

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 2019-11-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
Ace Cash Express called me and said I defrauded them and they would be filling a criminal complaint and would talk to judge, the man 's name was XXXX XXXX  his phone number was XXXX in XXXX Tx

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I called many times XXXX to report that I never did a bankruptcy that was reported under my old Amex account. I disputed two times, and they always answered that after dispute it is there to stay until XX/XX/XXXX. I called Amex, and same answer. On XX/XX/XXXX, I went to United Sates Bankruptcy Court Southern District of Florida, and I paid to have them to do a search, and they did issue a sealed one page report stating that they " none found '' any pending or closed bankruptcy cases in this district. It's been 6 months that I'm fighting and dispute with XX/XX/XXXX, they hung up on me, and a supervisor even read the notes that other employees put in my file, and the employee lied in his notes. 

How come a reporting agency or a credit card can put whatever they want even if it's not true. It's illegal, false information, I NEVER did a bankruptcy. This is destroying my life. In the USA you can not do anything with this mention in your credit bureau, your life is almost destroyed. I had more than 36 mistakes in my file with XX/XX/XXXX this year. In the report attached with this complaint you will see that in XX/XX/XXXX they were supposed to DELETED the bankruptcy and they never did. That's a lie. Why sending a Dispute Report if it this not true? XX/XX/XXXX as the goal to destroy people only. They just care for the paid clients like AMEX. 

I will attached also a letter directly from AMEX that I received in early XX/XX/XXXX, and in the rectangle everything that is there, it is totally false, they did exactly the opposite. They still report me every month even if my account is close since long time, that file affect my credit score no doubt.

That needs to stop. If this system can allow me to download documents, I will certainly join proof for CFPB to help me as quickly as possible.

I also have another NEW problem with XX/XX/XXXX since yesterday. I think, not to mix things, that I will initiate another complaint after this one, to be able to explain my NEW problem with XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22 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: FL

Complaint narrative:
This is my second complaint in only 1 day against TransUnion. I had 36 mistakes just this year in my file with TransUnion and I called so many times, they regularary hung up on me because they don't care. 

This time is that on XX/XX/XXXX, finally my score went up 69 points because I paid my credit cards. I did not know, being immigrant from XXXX, that in the USA, you should not spend more than 20 % of the amount of your credit cards limit. What's the point - it is so stupid. If you have an emergency, let 's say the dentist, you pay with your credit card, and it was not enough to be in pain because of a tooth, that you need to lose point from your credit score. - Where is the logic. 

In any event, I increased 69 points, but on XX/XX/2019, I lost 79 points for no reason that I can see, I did not spend on credit cards, I did not have a new debts. I called a supervisor in the USA, he did not give me his name, he told me that the reason is that I had two ACCOUNTS, yes two ACCOUNTS and they were merged and my score decreased of 79 points. I was fuming, how it is possible to have two accounts, it's not a bank account, it's my credit score linked with what? my Social Security Number. And as everyone else I have only one SSN.

He told me that, of course, there's nothing else to do and he put an end at the conversation and hung up.

If it's the case, that means that TransUnion only as Reporting Agency merged my XXXX Social Security Number with the USA ones. This is not acceptable, both countries has different laws and Credit Bureaus in XXXX are not important at all, certainly not like in the USA. By law in XXXX, our SSN can not be disclose easily, so if TransUnion used my SSN from XXXX, they are in an illegal position with XXXX. There's always a disclosure in XXXX on that card saying that this number and card belong exclusively to the Government. In any event, XXXX and USA are two different countries and totally two different court systems and different laws. Again it is only TransUnion who does that kind of thing, always trying to destyroy someone aggressively, but always pretending to report only.

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 2019-11-22 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:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX* XX/XX/XXXX RE : 2nd Request for Investigation of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed unauthorized inquiries have been made. 
I contacted the sources of each of these inquiries who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an investigation into these inquiries on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 

XXXX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Automotive ( XXXX ) XXXX XXXX , XXXX Inquiry : XX/XX/XXXX + Miscellaneous ( XXXX ) XXXX XXXX/XXXX  Inquiry : XX/XX/XXXX + Travel/Entertainment ( XXXX ) XXXX XXXX/XXXX XXXX Inquiry : XX/XX/XXXX + XXXX XXXX ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX + Bank ( XXXX ) XXXX XXXX  XXXX XXXX Inquiry : XX/XX/XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX   Inquiry : XX/XX/XXXX + Miscellaneous ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Miscellaneous ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX + Utilities and Fuel ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Finance/Personal ( XXXX XXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Automotive XXXX XXXX Inquiry : XX/XX/XXXX + Finance/Personal ( XXXX ) XXXX Thank you for your assistance in this matter, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL 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 2019-11-22 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:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2019-11-22 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Equifax is reporting false information regarding credit card balances and credit scores. After numerous complaints to equifax and verification From credit companies that updated information WAS REPORTED, equifax has yet to update the proper information.

Company response to consumer: Closed with explanation