vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-14 00:00:00
Product: Credit card or prepaid card — Store credit 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: IL

Complaint narrative:
XX/XX/XXXX Purchase XXXX, IL {$1000.00} - Home Depot Will not provide video for this store location to XXXX XXXX XXXX XXXX after numerous requests XX/XX/XXXX I alerted fraud immediately upon seeing the notification card cancelled, new one issued XX/XX/XXXX Purchase -? - {$990.00} Can't identify this charge that is on the replacement card issued on XX/XX/XXXX. I recd card on XX/XX/XXXX via USPS XX/XX/XXXX - Purchase # XXXX XXXX, IL {$390.00} This store location Video obtained by XXXX XXXX XXXX XXXX for this location shows Woman Making transaction using replacement card Number not in my possession yet XX/XX/XXXX Purchase # XXXX - XXXX, IL {$390.00} This store location Video obtained by XXXX XXXX XXXX XXXX for this location shows Woman Making transaction using replacement card Number not in my possession yet. 

I have reopened this investigation numerous times only to have it closed because they claim the person picking up the merchandise ID info matches mine. I sent Citi bank a copy of my drivers license per their request. Clearly I do not match the person committing this fraud. Detective handling my case told me that he just wrapped up a case identical to mine involving and older gentleman. The fraud was committed the same way at the same store locations. It is obvious it is an inside job which Home Depot refuses to acknowledge. This has happened to me 7 times since XX/XX/XXXX. All have been resolved successfully until now. I even received another fraud alert on XX/XX/XXXX for {$1900.00}. This was resolved quickly. 

XX/XX/XXXX Reported Identity Theft to the FTC, Illinois Secretary of State and all 3 Credit Reporting Agencies. 
I have followed all the reporting guidelines from the FTC which brought me to you. If Home Depot 's XXXX, IL store would provide the detective with the video he has requested, this whole mess would be resolved. I live within XXXX miles of the Home Depot I frequent. For reference, the XXXX XXXXome Depot StoreXXXX involved are located in the city and are : XXXX XXXX XXXX, XXXX XXXX miles from my home XXXX XXXX XXXX, XXXX, IL XXXX Miles from my home. 
I would never travel this far for items that are readily available XXXX miles from my home.

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 2021-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: MD

Complaint narrative:
Phoenix Financial Services has been repeatedly harassing me with consistent unwanted phone calls in order to try to collect on a debt that I do not owe. They use different phone numbers. 

I have written them on XX/XX/2021 to cease and desist these unwanted phone calls, but they have refused to do so. 

They sent me a letter on XX/XX/2021 stating that they are in receipt of my letter and asking that for an account number. I have no account number to give them. 

Recently, using the phone number XXXX, they called on : Monday, XX/XX/2021 at XXXX XXXX  Wednesday, XX/XX/2021 at XXXX XXXX  Using the phone number XXXX, they called on : Monday, XX/XX/2021 at XXXX XXXX  Using the phone number XXXX, they called on : Wednesday, XX/XX/2021 at XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 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: GA

Complaint narrative:
XXXX Filed Chpter XXXXBK- In XXXX notice a collection account still reporting the account as open with a XXXX balance. I contacted All 3 credit bureaus, but Transunion is the only company which keep allowing XXXX XXXX to keep reporting an open collection account, as updating even though it is included in my Chpter XXXX BK filing. Spoke with Transunion on XXXX, XX/XX/XXXX and XX/XX/XXXX. What they have told me is as that, every time they contacted XXXX recovery, the company had confirmed the accuracy of their reporting, even though transunion clearly recognize the account was indeed included in my Chapter XXXX BK, but still allow this company to report inaccurate 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 2021-10-14 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: CITIBANK, N.A.
State: PA

Complaint narrative:
On approximately Saturday, XX/XX/XXXX I reviewed my XXXX credit report. Upon reviewing examining the file in further detail I noticed that an old credit card account from " Citicards CBNA '' was still reporting as a " current account '' despite being closed nearly three years ago. On my credit report, under " Payment History '', XXXX XXXX 's comments indicate this account was closed in XX/XX/XXXX ( a comment of XXXX is noted ). I disputed the status of this account with XXXX on approximately Sunday, XX/XX/XXXX. XXXX responded saying that they verified the account status as accurate based on information provided by the creditor ( despite my credit report from the other two reporting bureaus showing this account as closed ). I am therefore submitting this complaint against Citibank since they have submitted inaccurate information regarding my closed credit card account to XXXX XXXX. I have attached a copy of my XXXX XXXX credit report for documentation.

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 2021-10-14 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:
I am writing to dispute these accounts XXXX XXXX and XXXX fraudulently opened in my name. also, XXXX XXXX XXXX and XXXX inquiries. I am a victim of identity theft. Please provide proof of claim with evidence that you have legal and lawful authority to collect? 1. Validation of the debt ( the actual accounting ) 2. Verification of claim ( a sworn affidavit or signed invoice! ) 3. copy of the contract binding both parties. Failure to substantiate the claim, please settle account immediately. Im challenging this account with XXXX, XXXX XXXX  XXXX of the Federal Debt Collection Practices Act ( hereinafter FDC PA ), Fair Credit Reporting Act ( FCRA ). I will also file a complaint with the Attorney General. I will further pursue all of my legal remedy without further notice to XXXX XXXX, XXXX, XXXX and XXXX. Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S.C. 1692g ( b ). I have attempted to resolve this matter formally before filing a complaint and lawsuit! 
Please provide three things : 1. Validation of the debt ( the actual accounting ), and 2. Verification of claim against me ( a sworn affidavit or signed invoice! ), and 3. A copy of the contract binding both parties.

I would be happy to pay any financial obligation I might lawfully owe as soon as these three documents are received. Im challenging this account with XXXX, XXXX  and XXXX of the Federal Debt Collection Practices Act ( hereinafter FDC PA ), Fair Credit Reporting Act ( FCRA ). Provides me with strict proof section 609 ( a ) ( 1 ) ( A ), I authorized this accounts such as signed applications or contracts in wet ink signature. Failure to substantiate the claim, Delete accounts immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 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: Navient Solutions, LLC.
State: GA

Complaint narrative:
I natural person, consumer, and creditor PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2 )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 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: PA

Complaint narrative:
On approximately Saturday, XX/XX/XXXX I reviewed my TransUnion credit report. Upon reviewing examining the file in further detail I noticed that an old credit card account from " XXXX XXXX '' was still reporting as a " current account '' despite being closed nearly three years ago. On my credit report, under " Payment History '', Trans Union 's comments indicate this account was closed in XX/XX/XXXX ( a comment of XXXX is noted ). I disputed the status of this account with TransUnion on approximately Sunday, XX/XX/XXXX. TransUnion responded saying that they verified the account status as accurate based on information provided by the creditor ( despite my credit report from the other two reporting bureaus showing this account as closed ). I am therefore submitting this complaint against XXXX since they have submitted inaccurate information regarding my closed credit card account to Trans Union. I have attached a copy of my Trans Union credit report for documentation.

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 2021-10-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I natural person, consumer, and creditor PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2 )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HILLTOP HOLDINGS, INC
State: GA

Complaint narrative:
Primelending. 
My house sold and closed was on XXXX. Mortgage was paid off at closing. 
Over XXXX in escow to be paid to me. No communication from Primelending about my escrow refund. I called in late XX/XX/2021 and was told the check was sent on XXXX but was returned by the USPS ( no tracking number as it was sent regular U.S. mail ). I updated my mailing address with PrimeLending ( although my current home is mortgaged through Primelending so I am in their system but it is a different loan number. 

I have called XXXX and was told it was due to go out XXXX and I needed to allow for 14 business days for it to get to me. 
Called on XXXX ( spoke with XXXX XXXX who stated I need to give it 14 business days as it was processed on XXXX and sent via US.mail. 
I called on XXXX ( spoke with XXXX ) who said it didn't look anything was sent out on XXXX and she would put in a new request. I requested to speak with a supervisor and was placed on a lengthy hold. She came back on and told me that a supervisor was not available as they " are very busy ''. She stated she would have a supervisor call me back. 
Called XXXX ( spoke with XXXX XXXX as no one called me back. XXXX said that XXXX put in a new request and it should be ready by XXXX but they could not overnight it to me or send via certified mail so we could track the payment. I was told there was nothing else that could be done and when I asked to speak to a supervisor, I was told they were going to tell me the same thing he ( XXXX XXXX did. I asked to speak with a supervisor and was placed on hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. 

I demand that these accounts be deleted immediately or I will file litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation.

I demand that these accounts be deleted immediately or I will file litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: ME

Complaint narrative:
In XXXX my wife and I filed for bankruptcy. Navient was collecting your discharged debt during the entire time we were in bankruptcy. We were successfully discharged from bankruptcy in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DLF Law Group, LLC
State: WI

Complaint narrative:
i paid a debt one time charge for my daughter and then XXXX XXXX XXXX, XXXX WI took the money out of my account 2 more times and I received overdraft fees ( which I never had OD fees in this account ) They told me they were going to reverse it and they have not. I tried to tell them what happened and they said they were going to reverse it and reimburse my od fees and they never did. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
This is a follow up complaint to a recent complaint I submitted : XXXX. 
In XXXX XXXX 's ( Office of the President ) response, she states that I did not apply for the Barclay 's XXXX XXXX XXXX XXXX XXXX Mastercard " using XXXX ''. 
That is a false statement. I did so following the instructions on the application handout the flight attendant provided on an XXXX XXXX flight. On the front of that handout it offers " {$0.00} intro annual fee for the first year {$99.00} ''. On the inside of the handout it states, " Earn XXXX bonus XXXX  miles after making your first purchase within the first 90 days ''. Barclay 's opened my XXXX  Mastercard on XX/XX/2021, and I made a {$20.00} purchase using it on XX/XX/2021. However, when I applied online, the site switched the terms to " Earn XXXX XXXX  bonus miles after making your first purchase in the first 90 days AND PAYING THE ANNUAL FEE IN FULL, BOTH WITHIN THE FIRST 90 DAYS ''. Because I did not pay the annual fee in full within the first 90 days, Ms. XXXX states I am not entitled to the XXXX bonus miles ; however this conflicts with the handout, misrepresenting its offer. This is nothing but a fraudulent bait and switch. 
In addition, Ms. XXXX stated in her response to my initial complaint, " As a gesture of goodwill I have added XXXX miles to your account ''. This is an absolute lie. 
To preserve my excellent credit rating I have paid the {$99.00} annual fee until this matter is resolved. Lastly, in Ms. XXXX 's response she states : " If you have questions, please call me directly at XXXX ''. I have tried to call her several times. She never answers. 
So I was forced to leave a message, which she never called back.

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 2021-10-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. 

I demand that these accounts be deleted immediately or I will file litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Zillow Group Inc.
State: MD

Complaint narrative:
This is a continuation of complaint XXXX which was closed due to company response. While the company, Zillow Home Loans, responded, they submitted a check to us that was sent to XXXX XXXX  but not for our mortgage account. XXXX XXXX  stated the remittance note with the check was not for our account. Since the remittance has protected information for another account holder, XXXX could not issue us a copy of the notice. This complaint is NOT resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX. I notified experien that an item reporting on my credit report ( XXXX XXXX XXXX ) is inaccurately reporting and untimely reporting, I have yet to receive any notification regarding my dispute. I also pointed out the specific inaccuracies alerting Experian that they reported this account 60days late XX/XX/XXXX then report the same account 30days late the following month of XX/XX/XXXX. I kindly demanded experian fix the Inaccuracies in previous notifications. But They have yet to update or remove the account nor the Inaccuracies in question. Disregarding the The fair credit reporting act laws and regulations.

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 2021-10-14 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: BROKER SOLUTIONS, INC.
State: GA

Complaint narrative:
I natural person, consumer, and creditor PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2 )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation