vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-22 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: CA

Complaint narrative:
I disputed an unauthorized charge made to my personal Citibank Preferred credit card from a merchant called Vivid Seats LTD on XX/XX/2020 in the amount of {$8600.00}. 
However, on XX/XX/XXXX I logged into my Citi account and became aware that Citibank resolved the dispute against me despite the evidence I presented showing the charge was unauthorized. When I last filed a complaint on CFPB, the status of the Citi dispute was CLOSED. However it has now been REOPENED and new information has come to light. 

This is related to my previous CFPB complaint XXXX, however this complaint is regarding the UNREASONABLE LENGTH OF TIME THIS COMPLAINT HAS BEEN OPEN DUE TO CITI 'S MISHANDLING OF THE INVESTIGATION. 

On XX/XX/2020, I requested the evidence that the merchant sent to Citi that resulted in their resolving the dispute against me in a phone call ( spoke to XXXX XXXX, and the rep at Citibank put in a request, stating I would receive a reply within XXXX business days. I never received said evidence. 

After I followed up AGAIN via email demanding the evidence the merchant sent, Citibank reopened the investigation and on XX/XX/2020 emailed me to inform me they had sent along my dispute to the merchant and that the merchant would have until XX/XX/2020 to reply. This is not acceptable. I opened my dispute on XX/XX/2020. Citibank did not perform even a basic investigation. They never reached out to the merchant prior to CLOSING the dispute. Only until I continued to press the issue did they EVER reach out to the merchant - FOUR months after my initial dispute date. They did not perform their basic duties to protect me, the card holder, or follow basic protocol and procedures for dispute investigations. 

It has now been 4.5 months since I opened my dispute with Citibank and to this day my dispute is still in limbo. Given Citibank 's severe mishandling of my dispute, I am requesting that Citi close the dispute in my favor immediately and return the funds to me.

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 2020-09-22 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: CBC Companies, Inc.
State: TX

Complaint narrative:
XXXX XXXX and XXXX showing wrong address and names and added accounts Addresses XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX, TX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
XX/XX/2020 Ally Bank made me an offer of 1 % interest bonus on all deposits in XXXX. I deposited {$10000.00} in XXXX. I called numerous times in XXXX XXXX XXXX and XXXX to verify this promotion, every time I was told my bonus 1 % would be paid by the end of XXXX. I called in XX/XX/2020 and was told they would investigate my account due to many errors with my and other accounts. I received a call on XXXX XXXX and was told that my account was not eligible. I followed all rules of the promotion and did not withdraw the {$10000.00} until the waiting period was over.

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 2020-09-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NM

Complaint narrative:
I was a victim of investment fraud/scam. The company is called XXXX XXXX ( XXXX ). I initially invested XXXX  into the company. After some time and watching my eoptions account increase they said it was time to pay me my profit. They asked for my bank account info for the transfer. They then wanted to connect to my account with a XXXX XXXX account to make transfers easier. What they did was provide me with XXXX a day to my account and then wanted me to use that to buy bitcoin with since it was profit and send it to them and by doing this I would receive more of a return on my investment. A total of XXXX was sent to me. I used that to buy bitcoin with as directed by the company. And after it was all spent the XXXX XXXX company account then pulled the XXXX back out of my account putting my account into negative. The company tried calling it a mistake and they would fix it and they have not fixed it for over a week. I have reported this to the local police, FBI, IC3, and now here.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 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: NC

Complaint narrative:
I have mailed several letters to Equifax disputing the errors on my account. 
I have also called & representatives claimed to start an investigation on these fraudulent errors also. 

XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX  XXXX XXXX {$1400.00} Balance updated XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX {$1300.00} Balance updated XX/XX/2020 XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX  {$1300.00} Balance updated XX/XX/2020 These accounts do not belong to me. 
Please assist me on getting them removed, these fraudulent items are damaging my score and credibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I started a Costco Visa card by Citibank approx XX/XX/XXXX. I have paid my total debits to Citibank every week from the beginning. Citibank started charging interest on an unpaid balance in XXXX or XX/XX/XXXX telling me there were charges before the end of the billing period. All debits are paid weekly so how could there be interest charges?

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 2020-09-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I am tired of Capital One keep charging me {$35.00} each in overdraft fees for money that has already been taken in consideration in my account balance. {$35.00} for each one and then when they try to " explain '' how the system works they want us to stomach that like it's from the XXXX XXXX which is nothing but banking jibberish for this is the way we make money off of you. If I make a purchase days before my account is overdrawn, why is it ok and acceptable for a bank to think they should make money off of us because they want to hold the money up in a " pending '' status when it was already taken from the balance? Right now I have {$100.00} worth of overdraft fees for a {$14.00}, {$16.00} and {$5.00} transactions. {$35.00} a piece for those AFTER they already took those transactions away from my available balance. That is pure insanity and disgusting during this day and age when people are struggling!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: OH

Complaint narrative:
IC systems showed up on my credit report out of nowhere. Ive not received any communication in regards to a debt they are claiming I owe through XXXX XXXX XXXX. I have no knowledge of this debt and I have the right to request for this debt to be validated. Until this company can validate this debt, and provide at least 30 days for me to dispute it needs to be removed from my credit report 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 2020-09-22 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: UT

Complaint narrative:
I have contacted the credit card company and the store the dispute is open with. CitiBank is refusing to talk to me over the phone to dispute. They are not disclosing information as to why I have not been credited. Citibank is refusing to credit a dispute with documented information stating a refund is owed. They are refusing to respond and are refusing to look at the claim further. I have contacted them biweekly over the last 8 months seeking a resolution. I have been hung up on constantly and been refused to speak with the team actually handling my case. This case started in XX/XX/2020 and is still in dispute XX/XX/2020. I have asked for managers and no one is letting me speak to anyone other than a customer service agent who is refusing to even waive the interest charges on a disputed item.

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 2020-09-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CULLEN/FROST BANKERS, INC.
State: TX

Complaint narrative:
I have contacted this company several times, by phone calls, and the last attempt was a certified letter and police report where it shows this was identity theft, I have not heard from them, Don't know what else to do.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: GA

Complaint narrative:
I've continually called and written about simply wanted my loan payoff from a loan I have paid off. I want to make sure they paid me the correct escrow refund. They keep saying they'll email it and we've had multiple emails and no one ever sends it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 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: TX

Complaint narrative:
Reporting " XXXX XXXX XXXX XXXX, TX XXXX '' Please contact the company directly to verify that they have your correct address. Once the new information is reported to XXXX, you will be able to submit your dispute online. For further questions you may contact us at XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unsecured XXXX XXXX XXXX XXXX ) XXXX Cell Phone XXXX XXXX XXXX Paid, Closed/Never late. 
XXXX XXXX XXXX XXXX Public Record XXXX XXXX Collection account. {$1300.00} past due as of XX/XX/2020. 
XXXX XXXX XXXX XXXX Public Record

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Rushmore Service Center, LLC
State: MI

Complaint narrative:
On XX/XX/XXXX I reached out to XXXX XXXX XXXX Credit Card company in order to resolve an issue on my account. My account is reflecting a balance that should reflect paid in full as of XXXX. The company is stating I owe a balance of approx {$310.00}. 

I was working with XXXX XXXX XXXX XXXX XXXX For 2 years to pay off debt. I completed the program as of XX/XX/XXXX. At the time, XXXX XXXX XXXX Credit Card company sold my debt to Rushmore Service Center but as of XX/XX/XXXX they switched debt collections to XXXX XXXX   XXXX. We ( credit counseling company and I ) were never notified of the changes. Payments began to be forwarded to XXXX XXXX after the change. XXXX XXXX states that Rushmore cashes the check and then electronically submits payment over to them. 

A total of {$1000.00} was the beginning balance owed to XXXX XXXX and was paid in full with XXXX XXXX XXXX XXXX. After back and forth calls to XXXX XXXX and Rushmore service   center, both stated to me that they can not provide a statement of all the payments received so that I can compare with my XXXX XXXX statement of payments sent out. After being denied, I asked to speak with a manager at XXXX XXXX to help with receiving a statement and was denied that request. I asked for the representatives name in which she denied me that information as well. On XX/XX/XXXX I contacted XXXX XXXX so that they can verbally go over payments they received. XXXX provided me the payments but also made sure to reiterate she wont be providing me a written statement. From the payments she listed, there are several payments missing. She said she could not help me and to contact green path. I spoke with XXXX at XXXX XXXX who took the time to contact XXXX XXXX while on the line to help find missing payments. We spoke with XXXX, who seemed to be very dismissive and defensive. She then advised us to contact Rushmore. We both called Rushmore and they referred us back to XXXX XXXX. XXXX faxed over the payments that are missing, to one of Rushmores credit reps. 

I asked for copies of the check they received or if they can check to see if checks were applied to the wrong account. They have been unprofessional as well as very dismissive of my issue. I am being denied written statements and they cant account where my money was being applied to. I should not still owe a balance with them.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Reporting " XXXX XXXX XXXX XXXX, TX XXXX '' Please contact the company directly to verify that they have your correct address. Once the new information is reported to XXXX, you will be able to submit your dispute online. For further questions you may contact us at XXXX. 

XXXX XXXX XXXX XXXX XXXX ) XXXX Unsecured XXXX XXXX XXXX XXXX XXXX XXXX Cell Phone XXXX XXXX XXXX Paid, Closed/Never late. 
XXXX XXXX XXXX XXXX Public Record XXXX XXXX Collection account. {$1300.00} past due as of XX/XX/2020. 
XXXX XXXX XXXX XXXX Public Record

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 2020-09-22 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Reporting " XXXX XXXX XXXX XXXX, TX XXXX '' Please contact the company directly to verify that they have your correct address. Once the new information is reported to Experian, you will be able to submit your dispute online. For further questions you may contact us at XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unsecured XXXX XXXX XXXX XXXX XXXX XXXX Cell Phone XXXX XXXX XXXX Paid, Closed/Never late. 
XXXX XXXX XXXX XXXX Public Record XXXX XXXX Collection account. {$1300.00} past due as of XX/XX/2020. 
XXXX XXXX XXXX XXXX Public Record

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 2020-09-22 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 writing because I do not recognize certain items on my credit report. The accounts are listed below. I have never done business with many of these companies, and dont understand how I would owe money or have anything that would appear on my credit report from them. I believe that someone else may have a relative that may have forged my name ( or  used my personal information ) in order to take out credit without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need ( and my signature does appear on the ID theft affidavit/report that I am attaching ).

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 2020-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing because I do not recognize certain items on my credit report. The accounts are listed below. I have never done business with many of these companies, and dont understand how I would owe money or have anything that would appear on my credit report from them. I believe that someone else may have a relative that may have forged my name ( or used my personal information ) in order to take out credit without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need ( and my signature does appear on the ID theft affidavit/report that I am attaching ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
experian won't remove address that are not mine so my documents keeps getting sent their this is why we had ID theft issues in America XXXX XXXX XXXX XXXX not mine or XXXX XXXX or XXXX address

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 2020-09-22 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: OH

Complaint narrative:
I keep getting notified when you people need to pay attention. It was Transunion and XXXX  that is not paying attention. 
you need to send this complaint to both credit bureaus. do not keep telling me that you can only send a complaint to only 1 company when its the all 3 credit bureau companies that is listing this inaccurate impact so called company that is trying to scam me out of {$180.00} info on my credit reports. If I need to I will file this report 3 separate times to give you unprofessional people three times the mass work to follow up on. I have no issue with doing this. just get this matter solved asap. I sick of all of these scams. including yours! here is the damm number do your jobs PLEASE! 

Complaint number that you sent me to follow up on 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 2020-09-22 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: CBC Companies, Inc.
State: TX

Complaint narrative:
XXXX  won't remove address that are not mine so my documents keeps getting sent their this is why we had ID theft issues in America XXXX XXXX XXXX XXXX not mine or XXXX XXXX or XXXX address

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 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: CORELOGIC INC
State: TX

Complaint narrative:
XXXX  won't remove address that are not mine so my documents keeps getting sent their this is why we had ID theft issues in America XXXX XXXX XXXX XXXX not mine or XXXX XXXX or XXXX address

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 2020-09-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  sold a debt that was not valid to Crown Asset.  XXXX XXXX sold the debt after failing to provide validation of debt under 15 U.S. Code 1692g.

The debt is not valid. XXXX  knows the debt is not valid. The entire account must be removed from my credit report not sold and sold again to try to legitimize it.

Company response to consumer: Closed with explanation