vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-21 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 — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A.
State: UT

Complaint narrative:
I bought tickets to a show for XXXX from the merchant XXXX XXXX. My card was charged for XXXX - the merchant had added over XXXX in service fees to the purchase after checkout. This higher amount showed up on my credit card as a charge and in a receipt the merchant mailed me. 

I immediately notified the merchant that I only agreed to the initial price and that the service fees were never presented to me until after the fact in the receipt I was emailed. I told them that I did not agree to the amount I was charged but they refused to reverse the charge or stop the " order. '' I had not received any merchandise or services at this point. 

Since the merchant refused to remedy the situation I contacted my credit card company, Citi, and started the process to execute a chargeback. After taking some information such as the name of the merchant, the nature of the dispute, and my account information, Citi issued me a conditional credit for the chargeback. 

XXXX months later Citi sent me an email saying that they reversed my chargeback and included documentation from the merchant regarding the purchase such as email correspondence between myself and the merchant regarding the attempt to remedy the situation as well as the merchants policies. 

I was never given a chance to present any evidence regarding the fraudulent charge on my card. This evidence would have included the fact that I immediately contacted the merchant to resolve the issue, the fact that I never accepted delivery of tickets to the show, and a long history of predatory overcharges to other customer 's credit cards from this same merchant. 

The merchant was given ample opportunity to make their case to Citi and I was n't given any. This seems like textbook credit card fraud to me which Citi was totally complicit in.

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 2017-10-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My response letter was untimely pursuant to FCRA 623 ( a ) ( 8 ) ( E ), which in accordance with FCRA 611 ( a ) ( 1 ) ( A ) would have required XXXX to report the results to me WITHIN 30 DAYS from the date of receipt of my notice which was XXXX XXXX, XXXX. XXXX response was mailed to me on XXXX/XXXX/XXXX, which is well outside of the XXXX requirement as prescribed in the following FCRA laws. It appears that XXXX received my second dispute notice on XXXX/XXXX/XXXX and attempted to respond to that by backdating it to XXXX/XXXX/XXXX in attempt to appear compliant with the law for the initial dispute. XXXX act of deception was still out of compliance because XXXX mailed it outside of the XXXX window for the first dispute, and XXXX committed fraud in the process. 
623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 8 ) Ability of Consumer to Dispute Information Directly with Furnisher ( E ) Duty of person after receiving notice of dispute. After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such persons investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 611 ( a ) ( 1 ) SEE BELOW* within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section.
* 611. Procedure in case of disputed accuracy [ 15 U.S.C. 16 ( a ) Reinvestigations of Disputed Information ( 1 ) ReinvestigationRequired ( A ) In general. Subject to subsection ( f ), if the  completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 2017-10-21 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: EQUIFAX, INC.
State: CA

Complaint narrative:
My response letter was untimely pursuant to FCRA 623 ( a ) ( 8 ) ( E ), which in accordance with FCRA 611 ( a ) ( 1 ) ( A ) would have required XXXX to report the results to me WITHIN 30 DAYS from the date of receipt of my notice which was XXXX XXXX, XXXX. XXXX response was mailed to me on XXXX/XXXX/XXXX, which is well outside of the XXXX requirement as prescribed in the following FCRA laws. It appears that XXXX received my second dispute notice on XXXX/XXXX/XXXX and attempted to respond to that by backdating it to XXXX/XXXX/XXXX in attempt to appear compliant with the law for the initial dispute. XXXX act of deception was still out of compliance because XXXX mailed it outside of the XXXX window for the first dispute, and XXXX committed fraud in the process. 
623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 8 ) Ability of Consumer to Dispute Information Directly with Furnisher ( E ) Duty of person after receiving notice of dispute. After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such persons  investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 611 ( a ) ( 1 ) SEE BELOW* within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section.
* 611. Procedure in case of disputed accuracy [ 15 U.S.C. 16 ( a ) Reinvestigations of Disputed Information ( 1 ) ReinvestigationRequired ( A ) In  general. Subject to subsection XXXX f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA

Complaint narrative:
Rash Curtis & Associates are reporting an account on my credit report. I have sent debt validation/dispute letters via certified mail to them which has failed to comply with California State laws by properly validating my debt pursuant to the California Fair Debt Practices Act ( CFDPA ). 
In addition they have failed to properly mark my account disputed pursuant to the CFDPA. They prepared negative and inaccurate information to credit reporting agencies concerning my credit. I notified them twice via certified mail in regards to the accuracy of the information, however, they have continued to report inaccurate information on my credit report. They have negligently and willfully failed to comply with the requirements of the CFDPA, including but not limited to : California Civil Code Division 3, part 4, title 1.6 1785.25 ( a ), ( b ), ( c ), ( f ), 1785.26 ( b ), ( c ), applicable remedies as follows : 1785.31 ( a ) ( 1 ) ( 2 ) ( A ) ( B ) ( C ) ( D ). Title 1.6C. 1788.17 ( which in accordance with the Rosenthal Act is inclusive of original creditors such as Rash Curtis & associates, and inclusive of the following violations pursuant to the FDCPA 15 USC 1692 ) 807 ( 2 ) ( A ), 807 ( 8 ), 807 ( 10 ), 808 ( 1 ), 809 ( b ). Applicable remedies as follows : 1788.30 ( a ) ( b ) ( c ). Title 1.6C.5. 1788.52 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( 5 ) ( 6 ), 1788.52 ( b ) ,1788.52 ( c ). applicable remedies as follows : 1788.62 ( a ) ( 1 ) ( 2 ) ( c ) ( 1 ) As a result of their failure to comply with the requirements of the CFDPA, I have suffered, and  continue to suffer actual damages, including economic loss, denial of credit, lost opportunities to receive credit, damage to reputation, invasion of privacy, degrading social standing and emotional distress for which I seek damages in an amount to be determined by the courts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian offered a credit report service and said that i could cancel within a few days if I did not like the service. My membership number is XXXX I did not like the service and want to cancel. It is very hard to cancel the service and the only way to cancel the service is to call them. There is not way to cancel membership online. 

I have been on the phone waiting for 1 to 2 hours without any response trying to cancel the service without any response from Experian. 

Please help me cancel my service asap

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 2017-10-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I have been a holder of a XXXX store card over last XXXX years and always a great payer. Recently, I unfortunately had return payments from my bank for XXXX setup, but abruptly called Synchrony Bank to apologize and explain root cause. Pleaded with customer service representative for company not to close my account, which they replied, it 's not their decision. XXXX weeks after that call, letter arrived advising account has been closed, due to XXXX returned payments, which out of XXXX years of successful payments seems a policy, which makes no sense. I can understand if account was recently opened and such issues occurred, but for established good standing accounts, it is really not a logical decision making process and does n't represent how events in life happen unexpectedly. 

My complaint is that, nobody can predict unexpected situations that may lead to a returned payment and number of years a customer has been a good Auto-Payment customer should be included in such as decision making process. 

Kind Regards

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 2017-10-21 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: Fidelity National Information Services, Inc. (FNIS)
State: MD

Complaint narrative:
On XXXX/XXXX/XXXX, I applied online to XXXX XXXX for a loan. The loan request was declined due to my short credit history. On XXXX/XXXX/XXXX, I received a call from a lending company called XXXX XXXX through It 's representative XXXX XXXX XXXX with a loan offer of {XXXX Though I did not apply to the company for a loan, I nevertheless accepted. The representative asked for my bank details which he said the company needed to pay the check for the amount into my account. I innocently gave him my bank details over the phone. I did not suspect any foul play. I did not know he was a fraudster. It was my first time of getting involved in loan transaction. He also asked me to withdraw XXXX from the money which the company would pay into my account and pay it into an account the company would provide me. According to him, I needed to do this to boost my short credit history and prove my trust-worthiness which would qualify me for a bigger loan. Shortly afterwards, I received alert from my bank indicating the check had been deposited into my account. The next day, I innocently went to my account in ANOTHER BANK, withdrew XXXX and sent it to the account that was sent to me. After some hours, I decided to access the account the check was paid into and I realized my account had been frozen. Confused and not knowing what was wrong, I called my bank and they informed me that the checks that were paid into my account were fake checks. I immediately made a complaint to the Police. After investigation, the police gave me the case number to send to the bank, asking It to unfreeze my account, but the bank did n't comply. That is how the account has remained frozen up till now and it negatively affected my credit score.

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 2017-10-21 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: GA

Complaint narrative:
I do NOT have a signed contract nor any contract with XXXX, XXXX XXXX, or XXXX XXXX. I have never done business with these companies. They failed to provide me with a signed contract that validates them to collect this debt. I am not liable for these collections. XXXX 's is reporting an address that I have never lived at which is XXXX XXXX XXXX XXXX XXXX, Ga XXXX. I should not be responsible for a debt that I did not do. I am a victim of identity theft and I had to submit a police report to the credit bureau for proof that my identity was stolen and these companies are still is saying that I owe them. My next steps will be to get an attorney and sue because they are calling me after a do not call letter had been sent. XXXX XXXX was removed from 2 of the credit bureaus, but it remains on Equifax. They are destroying my credit with these false accusation of these accounts. I sent them a letter requesting proof any contracts, signatures, a copy of my id anythings that shows I opened these accounts and all they sent me was a bill which only shows me that someone went shopping.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XXXX/XXXX/XXXX I received a copy of my EQUIFAX credit report online through XXXX XXXX XXXX. Under the heading listed in the EQUIFAX report, as ASSOCIATED ADDRESSES, there is an address that is listed that I am unfamiliar with and know for a fact that I never lived there. The questionable address is : XXXX XXXX XXXX, XXXX, MASSACHUSETTS XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-21 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: GA

Complaint narrative:
I do NOT have a signed contract nor any contract with XXXX, XXXX XXXX, or XXXX XXXX. I have never done business with these companies. They failed to provide me with a signed contract that validates them to collect this debt. I am not liable for these collections. XXXXXXXX XXXX is reporting an address that I have never lived at which is XXXX XXXX XXXX XXXX XXXX, Ga XXXX. I should not be responsible for a debt that I did not do. I am a victim of identity theft and I had to submit a police report to the credit bureau for proof that my identity was stolen and these companies are still is saying that I owe them. My next steps will be to get an attorney and sue because they are calling me after a do not call letter had been sent. XXXX XXXX was removed from 2 of the credit bureaus, but it remains on XXXX. They are destroying my credit with these false accusation of these accounts. I sent them a letter requesting proof any contracts, signatures, a copy of my id anythings that shows I opened these accounts and all they sent me was a bill which only shows me that someone went shopping.

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 2017-10-21 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: GA

Complaint narrative:
I do NOT have a signed contract nor any contract with XXXX, XXXX XXXX, or XXXX XXXX. I have never done business with these companies. They failed to provide me with a signed contract that validates them to collect this debt. I am not liable for these collections. XXXX XXXX is reporting an address that I have never lived at which is XXXX XXXX XXXX XXXX XXXX, Ga XXXX. I should not be responsible for a debt that I did not do. I am a victim of identity theft and I had to submit a police report to the credit bureau for proof that my identity was stolen and these companies are still is saying that I owe them. My next steps will be to get an attorney and sue because they are calling me after a do not call letter had been sent. XXXX XXXX was removed from 2 of the credit bureaus, but it remains on XXXX. They are destroying my credit with these false accusation of these accounts. I sent them a letter requesting proof any contracts, signatures, a copy of my id anythings that shows I opened these accounts and all they sent me was a bill which only shows me that someone went shopping.

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 2017-10-21 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: NY

Complaint narrative:
I 'm including all of my CFPB complaints, my AG complaint, my proof that substantiates the fact that I never received a breakdown of the amount they are claiming that I owe, my identification and all other communication. 

Reason for complaint : Experian and XXXX XXXX XXXX have failed to provide me anything that substantiates the amount that is listed on my credit report for a collection account. I am tired of going back and forth and it is my RIGHT to have the proof that backs up the amount I allegedly owe. Section 609 protects me against false reporting. Section 1681 guarantees me an investigation into this and for the bureaus to investigate independently. I 've provided the proof directly from the collection agency that I did not receive a breakdown and only received an invoice with a total amount. 

I refuse to pay an amount listed on an invoice without the breakdown showing where that amount came from, the receipts that back it up and it must be within federal limits. XXXX XXXX of XXXX XXXX provided court testimony and was paid the federal fee of {$40.00}. I stated that I would pay for the expenses but wanted a breakdown, and this was the understanding. As you can see from the attachment, the only thing that I ever received was an invoice with the heading " itemized statement '' with 1 line that says " court testimony and prep {$540.00} ''. Where did this amount come from? Where are the receipts for this amount? Where 's the breakdown that lists the mileage, gas, and anything else allowed by law? When I call, I get hung up on. When I dispute this with Experian, they state that this has been verified. 

This is willful negligence on part of both parties and this could have been easily solved by providing me what I had requested, what I had been promised and what is my right to have. Experian is now in violation of sections 623, 609, 1681 and 603.  XXXX XXXX XXXX is purposely not providing me this information because THEY DO NOT HAVE IT. If I take them to court, they will need to provide this information during the discovery process. This means that the office of XXXX XXXX does not have, nor did they ever have, the required information to verify this alleged debt. 

This MUST be removed from my credit report because over and over again, I have proven that this is a violation of my rights and that there 's no proof substantiating the claim that I owe this amount. Once again, I am not refusing to pay the actual amount that I owe. I am, however, refusing to pay a debt that was not legally verified, nor do I have to.

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