vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: WY

Complaint narrative:
XX/XX/XXXX Citibank Customer Service XXXX. XXXX  XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, XXXX  XXXX Citi MasterCardXXXX ( XXXX ) XXXX I am writing to you to demand my outstanding {$540.00} credit back with applicable interest and late fees. I was promised by Citibank to have the check delivered to me in 10 days. 
XXXX XXXX  XXXX  XXXX  on XX/XX/XXXX signed a binding agreement with me to move my belongings from XXXX, XXXX  to XXXX, XXXX. I paid them {$540.00} deposit, but the moving company did not show up on the date they promised. They did not move my household that was packed up in boxes and they said that they did not have a new time for me when they will move me! I disputed the {$540.00} back from Citibank and I hired another moving company. 
Citi reversed the charge but the {$540.00} sit on my account Citi did not sent me my money back. 
Every time I call customer service they came up with a new lie. I was told before that the computer system was down, then the phones were down, and they could not send me a code to verify my phone number, then the XXXX representative said that my name was not on the account. 
I closed all my Citi accounts and demanded my money being sent back to me XXXX customer service representative from the XXXX put me on hold for 20 minutes verifying my identity on XX/XX/XXXX. We have got this far previously. But when the account is verified the representative HUNG the PHONE UP. 
From what I see Citi is not a bank but a criminal enterprise from the XXXX in business for embezzling American customers money. 
I was on the phone for 35 holding with the lying XXXX representatives to verify my account till they hung up on the XXXX of XX/XX/XXXX. 
I was on the phone verifying my identity for 30 minutes on XX/XX/XXXX till the representative hung up. 
I was on the phone verifying my identity for 30 minutes on the XX/XX/XXXX till the representative hung up. 
I was on the phone verifying my identity for 25 minutes on XX/XX/XXXX till the representative hung up. 
Citibank employees are trained liars! Citi customer service representatives have been trained by Citibank executives! 
Dated XX/XX/XXXX Citi sent me a letter saying that now my account is closed, and they reversed my dispute and sent the {$540.00} back to XXXX XXXX  who did not move me! 
I am outraged that Citi is allowed to embezzle money from customers!

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 2021-06-27 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: Portfolio Recovery Associates, LLC
State: AR

Complaint narrative:
I do not know of this company, states that the account is open when it should be closed and has been reporting a balance for an account I dont have with said collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: MI

Complaint narrative:
I received a phone call from a debt collector who did not identify themselves saying they were collecting a debt on behalf of XXXX around XX/XX/XXXX. I did not recognize the charge and pressed for more details. They said I owed XXXX for a trade in that did not happen. When I pressed for more details the collector said they had mailed a letter out explaining it the day before they had called me. I informed the person on the line that I would take no action until I received something in writing. They then hung up on me. I immediately called the financial institution that houses my XXXX financing account. They had no clue what the XXXX debt was and had no records of selling a XXXX dollar debt or sending it to a collection agency. And I have received no written communications or phone calls from XXXX itself to communicate any sort of outstanding debt. 

After, I verified my account was up to date and paid. 

I received a letter in the mail from a company called " Convergent Outsourcing on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, WA XXXX '' charging the XXXX. Dated for XX/XX/XXXX. On the back of the letter it says that unless the office is notified in 30 days, that you are disputing the charge, that they will consider the debt valid. 

A quick search shows many upset consumers are saying that this company has fraudulently charged them and negatively impacted their credit reports. Many other people have been charged for accounts that they do not own. I will not pay this collections notice until I receive verification from XXXX or my financing institution that this debt is legitimate.

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 2021-06-27 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: SC

Complaint narrative:
I, XXXX XXXX XXXX XXXX, the consumer, has found Equifax in violation of the FCRA for 15 USC 1681a ( 2 ) ( B ). Equifax is reporting on my consumer report information pertaining to consumer credit transactions. Pursuant to 15 USC 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( l ) which is any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction on my consumer report. The accounts highlighted in the CEASE AND DESIST EQUIFAX should be removed from my consumer report pursuant to 15 USC 1681a ( 2 ) ( B ). I am demanding that Equifax remove these transactions from my report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41. Equifax has violated my federally protected consumer rights and has ruined my reputation via my consumer report which has prohibited me from accessing credit necessary to carry out my personal use and care for my family. Equifax has put me in a very stressful situation by not immediately removing those accounts I have highlighted in the CEASE AND DESIST EQUIFAX document. 

Furthermore, Pursuant to 15 USC 1681b ( a ) ( 2 ) " In accordance with the written instructions of the consumer to whom it relates. '' I have given Equifax written instructions to remove the highlighted accounts in EQUIFAX CEASE AND DESIST document that's attached and Equifax still have not comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27 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: LEXISNEXIS
State: NY

Complaint narrative:
I called LEXIS NEXIS and while speaking with one of the representatives and supervisor. I states per the FRCA 15 usc 1681b ( e ) ( e ) Election of consumer to be excluded from lists ( 1 ) In general A consumer may elect to have the consumers name and address excluded from any list provided by a consumer reporting agency under subsection ( c ) ( 1 ) ( B ) in connection with a credit or insurance transaction that is not initiated by the consumer, by notifying the agency in accordance with paragraph ( 2 ) that the consumer does not consent to any use of a consumer report relating to the consumer in connection with any credit or insurance transaction that is not initiated by the consumer. They told me there wasn't such a law that allows the consumer to elect to exclude name and address provided by a consumer report. The supervisor then hung up on me during that call as they stated I was making up laws. and as you clearly see it is in the law.There is False bankruptcy information showing on my report. I have already disputed with the credit bureaus via certified mail and have gotten no response. I have contacted the County Clerk at the court and they have also stated that they do not furnish any information to the bureaus so the bankruptcy on my credit report is illegal and damaging to my credit score. You have failed to conduct a truthful investigation into this PUBLIC RECORD within the provisions of consumer laws. NOT IN COMPLIANT! Its impossible that you indeed investigated or even attempted to look into these public record listed below because I asked the court clerk if they verify records with the credit bureaus and they stated and send me a attached letter that they do NOT, so how did you legally verified this? For example, court name is not accurate each credit reporting agency must report the actual name of the court, followed by city, state. You are required to obtain verification from the DATA FURNISHER and the court told me that they do not verify with you, so HOW is anything else considered legal verification? I need you to send me the petition to verify this account. If you can not do that, then this needs to be removed and permanently deleted. please abide by the fora laws

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27 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: MS

Complaint narrative:
I mailed a letter to XXXX  on XX/XX/2021 and Transunion on XX/XX/2021 letting these companies know that there are two accounts showing up on my credit profile that does not belong to me and requested that these two accounts be block and removed. I also contacted the creditors furnishing these account on XX/XX/2021 and requested proof of ownership and have yet to receive any documentation. Despite me providing appropriate proof of the identity, copy of an identity theft report, and a statement identifying the information, these companies still did not remove and block the WFC account # XXXX account and XXXX XXXX XXXX account # XXXX from my file as regulated by law. 

According to the FCRA 605B ( 15 U.S.C. 1681c-2 ), a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency. 

Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of 15 U.S.C. 1681c-2

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 2021-06-27 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: NY

Complaint narrative:
There is False bankruptcy information showing on my report. I have already disputed with the credit bureaus via certified mail and have gotten no response. I have contacted the County Clerk at the court and they have also stated that they do not furnish any information to the bureaus so the bankruptcy on my credit report is illegal and damaging to my credit score. You have failed to conduct a truthful investigation into this PUBLIC RECORD within the provisions of consumer laws. NOT IN COMPLIANT! Its impossible that you indeed investigated or even attempted to look into these public record listed below because I asked the court clerk if they verify records with the credit bureaus and they stated and send me a attached letter that they do NOT, so how did you legally verified this? For example, court name is not accurate each credit reporting agency must report the actual name of the court, followed by city, state. You are required to obtain verification from the DATA FURNISHER and the court told me that they do not verify with you, so HOW is anything else considered legal verification? I need you to send me the petition to verify this account. If you can not do that, then this needs to be removed and permanently deleted. XXXX XXXX has already admitted over the phone that they bought and sold my information to the credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Credit Card Acquisitions Group
State: TX

Complaint narrative:
Foster and Monroe, LLC bought an old debt from XXXX XXXX XXXX, on which the statute of limitations ran in XXXX. They then re-aged the debt and reported it as current. XXXX  said they " verified '' the account as accurate, but they did not take into account it was a re-aged debt, and no proof was provided to me that I owe the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I called XXXX XXXX and while speaking with one of the representatives and supervisor. I states per the FRCA 15 usc 1681b ( e ) ( e ) Election of consumer to be excluded from lists ( 1 ) In general A consumer may elect to have the consumers name and address excluded from any list provided by a consumer reporting agency under subsection ( c ) ( 1 ) ( B ) in connection with a credit or insurance transaction that is not initiated by the consumer, by notifying the agency in accordance with paragraph ( 2 ) that the consumer does not consent to any use of a consumer report relating to the consumer in connection with any credit or insurance transaction that is not initiated by the consumer. They told me there wasn't such a law that allows the consumer to elect to exclude name and address provided by a consumer report. The supervisor then hung up on me during that call as they stated I was making up laws. and as you clearly see it is in the law. 
There is False bankruptcy information showing on my report. I have already disputed with the credit bureaus via certified mail and have gotten no response. I have contacted the County Clerk at the court and they have also stated that they do not furnish any information to the bureaus so the bankruptcy on my credit report is illegal and damaging to my credit score. You have failed to conduct a truthful investigation into this PUBLIC RECORD within the provisions of consumer laws. NOT IN COMPLIANT! Its impossible that you indeed investigated or even attempted to look into these public record listed below because I asked the court clerk if they verify records with the credit bureaus and they stated and send me a attached letter that they do NOT, so how did you legally verified this? For example, court name is not accurate each credit reporting agency must report the actual name of the court, followed by city, state. You are required to obtain verification from the DATA FURNISHER and the court told me that they do not verify with you, so HOW is anything else considered legal verification? I need you to send me the petition to verify this account. If you can not do that, then this needs to be removed and permanently deleted. please handle accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I called XXXX XXXX and while speaking with one of the representatives and supervisor. I states per the FRCA 15 usc 1681b ( e ) ( e ) Election of consumer to be excluded from lists ( 1 ) In general A consumer may elect to have the consumers name and address excluded from any list provided by a consumer reporting agency under subsection ( c ) ( 1 ) ( B ) in connection with a credit or insurance transaction that is not initiated by the consumer, by notifying the agency in accordance with paragraph ( 2 ) that the consumer does not consent to any use of a consumer report relating to the consumer in connection with any credit or insurance transaction that is not initiated by the consumer. They told me there wasn't such a law that allows the consumer to elect to exclude name and address provided by a consumer report. The supervisor then hung up on me during that call as they stated I was making up laws. and as you clearly see it is in the law. 
There is False bankruptcy information showing on my report. I have already disputed with the credit bureaus via certified mail and have gotten no response. I have contacted the County Clerk at the court and they have also stated that they do not furnish any information to the bureaus so the bankruptcy on my credit report is illegal and damaging to my credit score. You have failed to conduct a truthful investigation into this PUBLIC RECORD within the provisions of consumer laws. NOT IN COMPLIANT! Its impossible that you indeed investigated or even attempted to look into these public record listed below because I asked the court clerk if they verify records with the credit bureaus and they stated and send me a attached letter that they do NOT, so how did you legally verified this? For example, court name is not accurate each credit reporting agency must report the actual name of the court, followed by city, state. You are required to obtain verification from the DATA FURNISHER and the court told me that they do not verify with you, so HOW is anything else considered legal verification? I need you to send me the petition to verify this account. If you can not do that, then this needs to be removed and permanently deleted. please handle accordingly.

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 2021-06-27 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: VA

Complaint narrative:
To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors and have affected my livelihood to provide for my family. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
an online order was made XX/XX/21. the charge was {$94.00}. on or about XX/XX/21 one item was returned to the store. NO receipt was given for {$47.00} as i was told the store could not generate a receipt for an online order. i was also told other customers had problems with online orders during this time frame. on or about XX/XX/21 the other item was returned to the store. now the balance should be {$0.00}. for the XX/XX/21 purchase. again, NO receipt could be generated at the store for an online order. on or about XX/XX/21 the monthly bill was received due on XX/XX/21. this bill showed that i was XXXX charged for my order of XX/XX/21, both charges showing the same order number. the bill had NO credit for my return of my items. i now owed {$180.00}. on or about XX/XX/21 i returned to the store for the 3rd time to try and see what was going on with this problem that had NOT been rectified. all 3 times the associate had to get on the phone to customer service which said they were doing something but in the end were doing nothing. on or about XXXX due XX/XX/21, i received my new bill showing that i owed {$110.00}. the 1st charge of {$94.00} of the double charge had been removed but NOT the 2nd charge of {$94.00} which still remained on the bill PLUS {$27.00} late fee AND {$1.00} interest charge. on or about XX/XX/21 i called customer service and spoke to 3 different people to explain the problem and give them identifying info and the 3rd person guaranteed the problem was resolved. on XX/XX/21 i received a notice that there was a request to review disputed transactions on the account. and, once the investigation is complete, IF the resolution is found in my favor, i will be notified and all charges will be credited to my account within 60 days. i have spent over 6 hours with their associates and traveled a total of 120 miles to try to get this resolved and it still has not happened. i'm done with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Carvana Group, LLC
State: FL

Complaint narrative:
Carvana charge me for a new plates and registration however it was a transfer now they bill that to the loan and I'm paying interest on it and they haven't issue my refund I have call multiple times and give me different story

Company response to consumer: Closed with explanation