vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-19 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: FL

Complaint narrative:
I am sure you are aware that it is against the law to threaten suit without any intention of doing so. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so. 
It is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests. That is a crystal clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as violation of its provisions.

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 2019-11-19 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: TX

Complaint narrative:
On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, 32 charges totaling {$1400.00} were made at XXXX XXXX ; a merchant I have never transacted with before. Citi called me around XX/XX/XXXX to see if these were transactions I authorized. I confirmed they were not my charges and they closed the account for fraud and reissued me a new card and said they would remove the charges. 

In XXXX after hearing from a friend who had an issue with double charges on her Citi account, I went back and did an audit of my account. I found that they had only done a reversal on 18 of the 32 charges - leaving 14 charges totaling {$300.00} on my account. 

I contacted Citi to dispute these charges which was done. The following is where I am with those 14 disputes : -4 charges of {$140.00} received affidavit returned to the company ( assume resolved ) -6 charges of {$76.00} no affidavit received, not reversed back to my account ( pending? ) -4 charges of {$79.00} no affidavit received, reversed back to my account ( fraud that was incorrectly credited to my account ). 

I have contacted Citi several times, even spoke to a manager out of South Dakota after not receiving any resolution from the associate in the disputes department. The manager assured me the incorrect reversal would be credited to my account the following month ( XXXX ), which did not happen. 

After contacting Citi over 5 times and spending hours on the phone and offline with Excel spreadsheets and reading billing statements, I believe this needs to be escalated with the CFPB. They advertise zero fraud liability, yet I am being charged for fraud and spending hours of my time resolving the issue. The ownness is on Citi, not the customer.

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 2019-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Midwest Recovery Systems
State: MS

Complaint narrative:
Midwest Recovery Systems LLC has opened an account using my information to report misleading and inaccurate information on my credit report. I have never entered into any contract or signed any documents or made any agreement with this collections agency. They have no right to furnish any information on my credit report. I never gave them any permission. Also, I sent a debt validation letter to them and they have not sent a valid response. They should be shut down! They are taking advantage of XXXX VETERANS like myself. They are adding stress to my life and making it impossible for me to obtain credit. Please remove this account from all 3 credit bureaus, XXXX XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19 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: MN

Complaint narrative:
There's a comment on my XXXX account with Experian that should not be on my account. It states : " Account was in dispute-now resolved-reported by subscriber Account previously in dispute - now resolved, reported by data furnisher ( To be used for FCRA or FCBA disputes ) ''. This account was never disputed by consumer. I don't understand why this comment is on my credit file and XXXX account. I've reached out to XXXX, and they stated they did not authorize this comment. Nor did me the consumer authorize this comment to be on my credit report.

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 2019-11-19 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: MARINER FINANCE, LLC
State: MD

Complaint narrative:
I took a personal loan with Mariner Finance. I was successful with making on time payments of the required amount until I ran into difficult times, in that I had to take on the responsibility of taking care of my elderly mother who has XXXX, on XXXX, XXXX and has XXXX. I had to move my mother from Florida to come live with me because she was unable to care for herself as her health started to deteriorate rapidly. Ultimately, I became her primary care taker and moved her in with me. At the time her health was stabled but shortly into living with me she was diagnosed with having XXXX. I was afraid of my mother wondering off and decided to seek assistance. When looking into getting her the care she needed, I ended up putting my mother in an XXXX XXXX   home because she did not qualify for skilled nursing without going by the route of being admitted from the hospital. So, I found a home to admit my mother to however, it was very costly and the cost exceeded the amount of her retirement check. Therefore I had to supplement the difference of the cost which affected my ability to make the required payment of my loan. I in honest effort made a payment towards my balance and they refused my payment stating the payment was mailed back however, I never received the money order returned back in the mail. I received a call from XXXX with Mariner that I missed. I returned the call on XXXX explaining my present situation that has not changed. XXXX is the Assistant Branch Manager, who I shared my situation with and again I asked if I could pay what I am able to in an effort to get my debt paid down and ultimately my loan paid off. He said that the amount I wanted to pay would not cover the interest and I told him that I understand but at least I will be making some kind of payment towards my loan and when I am able to pay more I would. I explained of the hardship that I am experiencing and how I am also paying off other creditors such as the IRS, State of MD, Car note, insurance, medical insurance on top of my mother 's nursing home bill. I just do not know what to do at this point but complain because this company is acting more like they are loan sharks and is intimidating me as the consumer when I am honestly trying to rectify my issue and debt to them. I would like to be able to send Mariner Finance some kind of payments towards my balance without it getting sent back. And to reflect that I am not ignoring my debt to them but instead trying to pay them of.

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 2019-11-19 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: FL

Complaint narrative:
On XX/XX/XXXX, I made a purchase from XXXX in the amount of {$280.00}. There is a 30-day money-back guarantee on the purchase. 

On XX/XX/XXXX, the glasses were returned to XXXX via priority mail flat rate box. 

On XX/XX/XXXX, the package was delivered to XXXX, and signed for by XXXX XXXX at XXXX. 

The glasses were returned, and XXXX did not refund my money. I opened a dispute with Citicards. On Saturday, XX/XX/XXXX, Citicards advised me that the dispute was resolved in the merchant 's favor, and the credit they previously issued me was being reversed. Citi did not tell me why. I have since called Citicards 3 times, emailed them proof of the return, and faxed proof of the return - they not only refuse to help me, but every single time I call them, they advise me that they can not speak to me because of some fraud warning on my account. I then get transferred to the fraud department who advised me that there is no fraud warning on my account! This has happened multiple times, and because of this fraud warning that doesn't exist, they will not reopen the dispute.

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 2019-11-19 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:
I am sure you are aware that it is against the law to threaten suit without any intention of doing so. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so. 
It is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests. That is a crystal clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as violation of its provisions.

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 2019-11-19 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 sure you are aware that it is against the law to threaten suit without any intention of doing so. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so. 
It is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests. That is a crystal clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as violation of its provisions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: MS

Complaint narrative:
LVNV Funding LLChas opened an account using my information to report misleading and inaccurate information on my credit report. I have never entered into any contract or signed any documents or made any agreement with this collections agency. They have no right to furnish any information on my credit report. I never gave them any permission. Also, I sent a debt validation letter to them and they have not sent a valid response. They should be shut down! They are taking advantage of XXXX VETERANS like myself. They are adding stress to my life and making it impossible for me to obtain credit. Please remove this account from all 3 credit bureaus, XXXX XXXX  and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19 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: FL

Complaint narrative:
On XX/XX/ 2019 I disputed an account reported by XXXX XXXX XXXX XXXX to EXPERIAN. I was notified on XX/XX/2019 by Experian that the item was deleted from my credit report. On XX/XX/2019 the same account got reinserted into my credit report without notifying me within 5 buisness days.

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 2019-11-19 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Franklin Collection Service, Inc.
State: MS

Complaint narrative:
Im a vet. Went to XXXX XXXX XXXX place 4 years ago. Very XXXX XXXX XXXX. Had just moved to north MS had not transferred primary provider from XXXX to XXXX Ms. VA refused to pay all of emerg room visit. I got bill from hospital and presented bill to VA. I refused to pay part of cost. The partial amount went to collections. Franklin collections payed to get the account. 
What is owed is XXXX. But the collections company has not sent me any documents indicating that the amount owed for debt is any different than the amount that is on all three of my credit reports. The amount that Franknlin collections is trying to collect is XXXX. 
Am I liable for any amount that is not reflected on my credit reports? This amount of XXXX has been reflected on my credit reports for 3 and 1/2 years.

Also, if I pay the amount indicated on my credit reports can Franklin Collections add more to my outstanding amount owed on credit reports? If so then this debt collector can indicate that I owe an outstanding amount ever you time I try and pay each outstanding debt owed on my credit report. An infamous loop to say.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: FREEDOM FINANCIAL NETWORK
State: PA

Complaint narrative:
In XXXX of 2019, I was told by Freedom Debt Services that their program would get me out of debt faster and save me money and give me piece of mind. I enrolled four items with them under the understanding that they would negotiate payment plans. so, far they did one, which was already started by me and mostly paid by me. they saved me {$78.00}. They have done nothing but allow the debt to go to legal status. They have negotiated nothing and it is become obvious they negotiate only after legal proceedings begin. I have contacted them multiple times and they never respond. They take money from my account every month and it is not used for my debt. they take fees from it and the remainder sits there instead of being used for my debt. I know I was XXXX, but they just kept telling me how this was going to take pressure off me. Even when I questioned the ethical issues of not paying my debt the woman said this was backed by a government program to help consumers and in the end the credit card company receives full payment. And I can not seem to stop the madness! They have no chat, calling means I sit on hold for long periods ( and can not do that at my jobs ) and they do not respond to e-mails.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19 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: IL

Complaint narrative:
Equifax ; XXXX and XXXX are reporting incorrectly a collection on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I was never notified that this account was in collections. In addition, this account reports a {$0.00} balance and {$0.00} past due. This false reporting of a collection for an account that has a {$0.00} balance and {$0.00} past due is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this line item however I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I made a transaction on XX/XX/XXXX by using the XXXX XXXX app to purchase tickets online. This account is linked to my Bank of America account, this ticket seller had fraudulent tickets, and I did not receive them. I requested that XXXX XXXX return my money and they suggested I reverse the charge with my bank. 

I submitted the request for reversal with Bank of America and they did not ask any questions and never reached out to me to find out what happened. I have proof that the transaction was fraudulent due to invalid ticket numbers and Bank of America never reached out to ask my issues and 30 days later has reversed the temporary credit.

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 2019-11-19 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 requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below. 

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 

Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on the police report affidavit ) because if you do you will see I did not sign anything related to these accounts. 

If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
XX/XX/XXXX took a payment for {$3200.00}, XX/XX/XXXX took a duplicate payment for {$3200.00}. I called and spoke with a rep ( XXXX was her name ) and she told me they should have not been able to take the duplicate payment as my balance was {$0.00} but they did. I have called my bank to dispute the charge also as the rep advised me to do.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: HEAD MERCANTILE CO., INC.
State: NY

Complaint narrative:
On XX/XX/2019 on my Credit Report the account 'HEAD MERCANTILE CO INC ' was added to my XXXX and there is not evidence or record with that agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19 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: IL

Complaint narrative:
XXXX ; XXXX and Transunion are reporting incorrectly a collection on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I was never notified that this account was in collections. In addition, this account reports a {$0.00} balance and {$0.00} past due. This false reporting of a collection for an account that has a {$0.00} balance and {$0.00} past due is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this line item however I have not been successful.

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 2019-11-19 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: IL

Complaint narrative:
XXXX ; Experian and XXXX are reporting incorrectly a collection on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I was never notified that this account was in collections. In addition, this account reports a {$0.00} balance and {$0.00} past due. This false reporting of a collection for an account that has a {$0.00} balance and {$0.00} past due is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this line item however I have not been successful.

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