vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-27 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: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
Barclays Delaware Bank / The Luxury Card Billing inquiries / disputes Card Services XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Dear Sir or Madam : On XX/XX/XXXX, I was contacted by XXXX  XXXX XXXX by phone regarding a vacation package. The alleged XXXX representative advised me over the phone they were affiliated with a U.S. based chain hotel where I have stayed on occasions in the recent past. I am a XXXX+ year old male and am currently exercising XXXX XXXX XXXX  for various health reasons on the date of this transaction. 

I provided my Mastercard number in good faith as I believed XXXX  XXXX XXXX aka XXXX XXXX   was affiliated with my hotel of choice and therefore was a legitimate company. I disputed a charge of {$790.00} to my Luxury Mastercard on XX/XX/XXXX after not being able to reach the travel company and them not returning my e-mails. I provided Luxury Mastercard with evidence of a sales certificate written agreement via fax which I did not sign or date to activate with the travel company. 

I also did not sign the XXXX Credit Card Voucher emailed to me from allegedly XXXX, XXXX. On this date, I pulled up my Luxury Card account and observed that the charge of {$790.00}, which had been temporarily removed from my account pending investigation was re-applied to my account. 

I was not informed of this and have not received any written notification of this adverse action to date. I will be exercising my consumer rights by filing a formal complaint with the Consumer Financial Protection Bureau due to billing errors, as well as sending all evidence and related documents to my legal representatives, XXXX XXXX XXXX, XXXX XXXX, TX. This serves as a formal complaint in writing regarding the unfair business practices mentioned herein regarding Barclays Bank Delaware aka Luxury Card. Upon reviewing the XXXX XXXX XXXX complaint reviews of this bank/Luxury Card, I observed numerous other consumer complaints filed regarding what appears to be unfair and bad faith business practices.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I made a purchase at XXXX XXXX of Jewelry on XX/XX/XXXX. I elected to finance the purchase using their 12-month, no interest financing option. I was later sent a credit card and received information regarding my new account from Comenity Bank, who handles financing for XXXX. My balance was split into 12 semi-equal payments which were due by the XXXX of each month. I made all 12 payments for the amounts shown and by the due date I was given, with the final payment being on XX/XX/XXXX. After the final payment was made, I received a statement showing I had been charged {$350.00} accrued interest for failing to pay off the balance before the deadline. I then wrote a message to Comenity through their website to find out why I was being charged the interest since I had made all 12 payments as agreed. A representative wrote back saying the promotion actually expires 12 months from the date of purchase, not on the due date. I then called to get further explanation and was told that the billing cycle pushed the final payment due date past the promotional date and there was nothing they could do about the interest charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 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: NV

Complaint narrative:
These are not my accounts. It has already been removed on the other bureaus. Please remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: U.S. BANCORP
State: MO

Complaint narrative:
I recently purchased a new vehicle. Unfortunately, my loan is through US Bank. I will be applying an extra {$170.00} to each monthly payment which totals {$1000.00} ; subsequently, paying off the vehicle earlier. I have only had two payments so far and both times the US Bank employee apparently can not figure out how to correctly apply my payment. This month it was applied as {$1000.00} making my XX/XX/2020 payment {$650.00} ( which is incorrect ). All they did was apply my extra ( principal amount ) and decreased my next monthly payment. How hard can this be to complete properly? I asked a representative to please add a note on my account so my loan be processed correctly. The representative even admitted to me the employee who entered the payment is just entering the amount in How they want. Can you help assist me with this matter so it isnt a long 6 years? Thanks.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 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:
The following is a summary of my case : 1 ) XX/XX/2018 - XX/XX/2018 : I made a reservation for a cruise with XXXX XXXX XXXX ; they charged my credit card {$4300.00}. 
When I made the reservation I informed the agent that will have to cancel the reservation ; if my health gets worse, and prohibits me from travelling ; thus, I could not travel, and the agent informed me that it is ok to cancel any time and get my credit card refunded the full charged amount of {$4300.00}, because health conditions reasons are acceptable to cancel, he stated. I was assured that I could cancel any time and get a full refund. 

1 ) XX/XX/2018 - XX/XX/2018 : I called XXXX XXXX XXXX and I canceled the reservation, and XXXX XXXX XXXX told me that they would credit my master card with the full amount of {$4300.00}. I was expecting full refund. 
2 ) XX/XX/2018 - XX/XX/2018 : I also called Citibank and informed them that I cancelled the reservation. 
3 ) XX/XX/2018 - XX/XX/2018 ( XX/XX/2018 ) - Citibank issued full credit to my master card. 
4 ) XXXX XXXX- Citibank reversed the credit without sending me the mandatory letter of my response and failed to give me a chance to respond to XXXX XXXX XXXX . 
5 ) XXXX XXXX XXXX issued a credit of {$120.00} only. This act of issuing a credit of only {$120.00} ; XXXX XXXX XXXX intentionally tried to confuse and mislead me by refunding / issuing a fraction of the full amount of {$4300.00}. 
6 ) The reversal of the issued credit by Citibank without giving me an equal opportunity to respond rises to be a collusion between Citibank and XXXX XXXX XXXX, and a conclusion that follows logically the series of events that led to the two companies, XXXX XXXX XXXX and Citibank to keep my money without complying with due process. Instead, they mislead me as a consumer acting in good faith. 
Citibank abused its power when they reversed the credit without giving me a chance to respond to XXXX XXXX XXXX misleading promise to credit my Citibank master card the full amount of {$4300.00}. 
Conclusion is that a collusion between Citibank and XXXX XXXX XXXX to keep my money, and abuse of power by both Citibank and XXXX XXXX XXXX. 
I am asking you to help me recover a full refund of {$4300.00} as XXXX XXXX XXXX promised and according to our agreement. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
Intermittently Citigroups Citicards on-line Web site will not allow you to pay your bill at all or via a balance amount or other option. All date/calendar functions are inoperative and do not allow payment. IF it does allow you to pay, you have to use the custom amount feature. This did not allow payment of another credit card whose due date was a few hours away from being reached. This was told to me by a Citi service person by phone on XX/XX/20 at XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
These are not my accounts and they have already been removed on the other bureaus. please remove them immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 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: NAVY FEDERAL CREDIT UNION
State: TN

Complaint narrative:
ACCOUNT WAS OPEN WITHOUT MY CONSENT

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 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: NV

Complaint narrative:
These are not my accounts and they have already been removed on the other bureaus. please remove them immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: CA

Complaint narrative:
In 2019 I sent a Cease and Desist Letter notarized/Certified Mail ... This is not my debt and they continue to sell this fraudulent debt to other Debt collecting agencies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Phoenix Recovery Group
State: CA

Complaint narrative:
I was not able to pay the company because I was on the run from my then fiance who was abusive. He was very abusive  and I had to leave over night with our XXXX. I have not been able to pay anything because I am not working. This account was opened on XX/XX/2017, the amount owed is {$710.00}. I have a police report to show evidence. I also disputed this collection, however, I did not hear anything back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: CA

Complaint narrative:
I quit my lease because I was running away from an XXXX  ex fiance. I have not been able to keep a stable job due to having to pick up and leave every time he has found me. I can not afford to pay this current balance. The amount owed is {$2600.00}. I have a police report to support claims

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Identity fraud caused a lot of damage to my credit report. It occurred about 2 years ago. After contacting the FTC and credit bureaus I had those items removed. Currently I keep a monitoring on my credit report to protect from additional accounts misuse of my personal information. But as of late I have noticed quite few inquiries appearing on my credit. These items are not now or have ever been authorized by me. I would like these items investigated and removed from my reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-27 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: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Wells Fargo has ruined my credit score and made it impossible for me to open a checking savings or business credit card. I had a secure credit card. They charged off XXXX in fees that they should not have. I have had issues where there were over 20000 in fraudulent charges when I someone cut my brake line in my truck and stopped me from working at XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-27 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EMCC Holdings, LLC
State: FL

Complaint narrative:
I pulled my credit and noticed that a company listed by the name of Equiant Financial Services. I have never had a Mortgage before nor did I do it with a joint person. 


The second company is XXXX XXXX. I have never heard of this company but they will never validate the debt as I have asked them to do because I never had an account with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Identity fraud caused a lot of damage to my credit report. It occurred about 2 years ago. After contacting the FTC and credit bureaus I had those items removed. Currently I keep a monitoring on my credit report to protect from additional accounts misuse of my personal information. But as of late I have noticed quite few inquiries appearing on my credit. These items are not now or have ever been authorized by me. I would like these items investigated and removed from my reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Identity fraud caused a lot of damage to my credit report. It occurred about 2 years ago. After contacting the XXXX  and credit bureaus I had those items removed. Currently I keep a monitoring on my credit report to protect from additional accounts misuse of my personal information. But as of late I have noticed quite few inquiries appearing on my credit. These items are not now or have ever been authorized by me. I would like these items investigated and removed from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3000.00}, {$2000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3000.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2000.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-27 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 — Investigation took more than 30 days
Company: Ad Astra Recovery Services Inc
State: CA

Complaint narrative:
Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 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: FL

Complaint narrative:
My car was broken into a few years ago and my wallet, purse, and a few pair of shoes I had bought my son were stolen while i was in the gas station paying for gas and some snacks. I have noticed numerous accounts since then, especially medical accounts that have been opened in my name that I never authorized, or opened. 

With TransUnion I see the below accounts that are a result of fraud or XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ORIGINAL CREDITOR XXXX XXXX XXXX XXXX XXXX XXXX XXXX ORIGINAL CREDITOR XXXX XXXX XXXX XXXX XXXX ORIGINAL CREDITOR XXXX XXXX  XXXX   XXXX  XXXX ORIGINAL CREDITOR XXXX XXXX XXXX XXXX XXXX ORIGINAL CREDITOR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ORIGINAL CREDITOR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ORIGINAL CREDITOR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ORIGINAL CREDITOR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ORIGINAL CREDITOR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ORIGINAL CREDITOR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ORIGINAL CREDITOR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ORIGINAL CREDITOR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ORIGINAL CREDITOR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ORIGINAL CREDITOR XXXX XXXX XXXX XXXX XXXX XXXX ORIGINAL CREDITOR XXXX XXXX XXXX XXXX XXXX ORIGINAL CREDITOR XXXX XXXX XXXX XXXX  XXXX XXXX ORIGINAL CREDITOR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ORIGINAL CREDITOR XXXX XXXX  XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation