vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-26 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 accidentally transacted on a fake website on XX/XX/2020 for an amount of {$240.00} and I immediately called Citibank to cancel the pending transaction on XX/XX/2020 but the Bank employee told me that this will be handled by dispute. Initially, Citibank asked me to dispute the transaction and after multiple calls with Citibank, they refuse to reverse this transaction. I have sent a letter detailing out the scam as well but Citibank refused to reverse despite months of investigation. The fake website which I had accidentally transacted did not send any confirmation of the transaction. The fake website did not send the goods which was purchased either. Citibank is not protecting its customers from such fraudulent transactions.

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 2021-02-26 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CarMax, Inc.
State: CT

Complaint narrative:
XXXX. I XXXX XXXX entered into a consumer credit transaction with Carmax Auto Finance on XX/XX/2017. A consumer credit transaction is a transaction in which a finance charge is involved. Pursuant to 15 USC 1605 a finance charge is the sum of all charges in a consumer credit transaction. I was not expecting a bill. In XXXX of 2017 XXXX XXXX XXXX sent me a bill which is a violation of 15 USC 1692b. 

XXXX. I XXXX XXXX entered into a consumer credit transaction with Carmax Auto Finance on XX/XX/2017. Pursuant to 15 USC 1635 the creditor was required to disclosed to me in my consumer credit transaction that I had the right to rescind the transaction. I was never provided the forms needed to rescind this consumer credit transaction nor did Carmax Auto Finance tell me my right to rescission pursuant to XXXX XXXX XXXX. That is in fact a violation because Carmax Auto Finance withheld this information

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Trident Asset Management, L.L.C.
State: CT

Complaint narrative:
I never had a record with these authorities/leasers. I attempted to get in touch with them a few times and request verification of possession however they neglected to send me the important documentation to demonstrate that I actually own this record.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: TX

Complaint narrative:
The cash app, owned and operated by square cash in XXXX XXXX, CA. closed my cash app account without prior warning and didnt provide me with a reason other than the ambiguous, intentionally vague violation of cash app terms of service. 

I have repeatedly asked customer support to detail which term my account violated and they have refused to do so. They closed my account which caused financial loss for me. I was unable to use the stored balance to pay bills that were due and I was charged {$100.00} of late fees across various accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 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: Consumer Adjustment Company Incorporated
State: GA

Complaint narrative:
Around XXXX of last year I noticed several fraudulent accounts on my credit report. I submitted multiple notices and requests to each major credit bureau asking them to block the fraudulent accounts. I also sent notices to the creditors involved. To this day they are still hurting my credit score by reporting fraudulent accounts, this constitutes the crime of defamation. I sent Consumer Adjustment Company a request to block a fraudulent account that is being reported on my credit report. The request was sent via certified mail recorded delivery.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UPGRADE, INC.

Complaint narrative:
On or around XXXX of 2019 a personal loan account was opened with Upgrade in my name, with my wife as a co-borrower. I never applied for this loan or received the proceeds of this loan. I completed and sent an identity theft affidavit to the creditor, as did my wife. We were told that a police report would need to be filed naming which named Upgrade, which we did. Them upon submitting, we were told we actually needed to submit two separate police reports ; one for each of us. So we went back to our local police station and did so. I have provided this company everything they have asked for and done so in a timely manner. Upgrade removed the charge off from my wifes consumer report, but it remains on mine. I have repeatedly contacted the company to inquire about the status and disposition of their internal investigation into my claim and every time Ive been given the runaround. Ive been asked to resend documents that I have a record of already having been sent. I have been told to call phone numbers that nobody picks up and in spite of all my efforts, which are above and beyond what is necessary, the company still reports a charged off account on my personal credit report. Ive attached the documentation thats been sent to them, both the identity theft affidavit and the police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Hello CFPB officer, This is the follow-up complaint on the case XXXX. 

After I submitted the case XXXX to you on XXXX XXXX, Citibank did send me an email informing that I am receiving my {$400.00} promotion bonus to my Citibank account. This email was sent to me in the afternoon XXXX XXXX. However, I requested to close both of my Citibank accounts in the morning the same day. I have tried to immediately contact the bank explaining why I decided to close the accounts and would want to receive the {$400.00} by check. I have called them several times with no answers, left a voicemail, and sent them emails. No one has called me back. All I have received was genetic emails. As the result, AGAIN, I am filing this complaint with CFPB, and requesting that Citibank sends me my {$400.00} bonus as promised via check as soon as possible and to close this case. 
I have never had such a difficult time dealing with such big bank like I have been dealing with Citibank. I am terrified by their incompetent representatives, and by all the lies that they have fed me with to lure me and customers like me into banking with them to take advantages of our money for their own business.

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 2021-02-26 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: Southwest Recovery Services, Inc.
State: TN

Complaint narrative:
I have contacted this company back in XXXX  once appearing on my Credit Profile as owed I have not one clue Of a way to resolve an issue Where NO SERVICES WHERE RENDERED TO ME THERE IS NO DOCUMENTATION WITH MY VALID SOCIAL SECURITY ACCOUNT NUMBER OR DOB I have pleaded with CREDIT BUREAU TWICE they constantly update and attach false debit and an pile up fictitious information on MY PROFILE they are scammers to say the least masked as debt collectors. 
PLEASE USE UCC FTC COMPTROLLER OF DEBT AND CREDIT REPORTING GUIDELINES and regulations and remove all negative info reporting and data processing on XXXX XXXX XXXX XXXX/XXXX/XXXX : XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 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: Atlanticus Services Corporation
State: GA

Complaint narrative:
Around XXXX of last year I noticed several fraudulent accounts on my credit report. I submitted multiple notices and requests to each major credit bureau asking them to block the fraudulent accounts. I also sent notices to the creditors involved. To this day they are still hurting my credit score by reporting fraudulent accounts, this constitutes the crime of defamation. I sent Fortiva a request to block a fraudulent account that is being reported on my credit report. The account in question was not opened by me nor did I benefit from it being opened, it was opened as a result of identity theft. The request was sent via certified mail recorded delivery. The company has not responded to any of my letters over a 6 month period.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
My PayPal account was closed for no reason as soon as I received a payment then they locked and and closed my account permanently and said I would have to wait 180 days I want my money released to me now I have not went against any of there guidelines and would like my money released and Ive tried for weeks to get it released So I contacted yall because they are not doing there job right the email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CT

Complaint narrative:
I have no record of this account that ever belonged to me with these collectors/creditors. I've asked them to send proof of ownership but they haven't complied with my request yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 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: CA

Complaint narrative:
There are three accounts on my credit reports that are not mine they do not belong to me in any way and I have tried to solve this with the credit bureaus and they are not helping 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 2021-02-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CT

Complaint narrative:
This account had no record that ever belonged to me with these authorities/leasers. I tried to contact them and ask for proof of ownership but they failed to send me the necessary documentation to prove that I really own this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I found out today through my banker at XXXX XXXX that my credit score has dropped significantly do to an unpaid bill on Apple Card. 
I do not have an apple!! 
I was asked to call the company which I did. 
I informed them that I dont even have an Apple as I never opened an account. They told me that the only way to clear this is to file an identity fraud report either with the police or on the XXXX  site. Then get a copy of the report and mail it to them so they can begin the investigation. 
So as crazy as it may sound I need a copy of this to mail to the company, Goldman Sachs, so they can start the investigation. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/2021I sent a letter regarding incomplete and inaccurate information on my credit report. Reporting a public record which is a violation of 15 USC 1681 ( 4 ) on my credit report which states. There is a need to ensure that the consumer reporting agencies exercise their grave responsibilties with fairness, impartiality, and respect for the consumer 's right to privacy. This is a violation of my privacy as I did not grant them permission to place this item on my credit report and I insist that it be removed, for it is doing severe damage to credit and requested their method of verification. The credit bureau did not go beyond the original source and responded with an electronic response. third party response of information from the data furnisher only to " verify '' the accuracy of this disputed items. I requested the actual court document and other information that I did not receive. I feel like I am being taken advantage of and my FCRA rights are being disregarded and I am not having it. Section ( a ) it plainly I demand this account be deleted immediately or I will file litigation due to stress they caused me and for the violation which is {$1000.00} per each violation, try me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 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: Regional Management Corporation
State: GA

Complaint narrative:
Around XXXX of last year I noticed several fraudulent accounts on my credit report. I submitted multiple notices and requests to each major credit bureau asking them to block the fraudulent accounts. I also sent notices to the creditors involved. To this day they are still hurting my credit score by reporting fraudulent accounts, this constitutes the crime of defamation. I sent Regional Finance Company a request to block a fraudulent account that is being reported on my credit report. The account in question was not opened by me nor did I benefit from it being opened, it was opened as a result of identity theft. The request was sent via certified mail recorded delivery. The company has not responded to any of my letters over a 6 month period.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/2021 I sent a letter regarding incomplete and inaccurate information on my credit report. Reporting a public record which is a violation of 15 USC 1681 ( 4 ) on my credit report which states. There is a need to ensure that the consumer reporting agencies exercise their grave responsibilties with fairness, impartiality, and respect for the consumer 's right to privacy. This is a violation of my privacy as I did not grant them permission to place this item on my credit report and I insist that it be removed, for it is doing severe damage to credit and requested their method of verification. The credit bureau did not go beyond the original source and responded with an electronic response. third party response of information from the data furnisher only to " verify '' the accuracy of this disputed items. I requested the actual court document and other information that I did not receive. I feel like I am being taken advantage of and my FCRA rights are being disregarded and I am not having it. Section ( a ) it plainly I demand this account be deleted immediately or I will file litigation due to stress they caused me and for the violation which is {$1000.00} per each violation, try 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 2021-02-26 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Fair Financial Corp.
State: PA

Complaint narrative:
So I had a weekly lease for the vehicle to drive for work from Fair. I had the vehicle for almost 2 years maintaining the {$200.00} a week with no problem. On a day a payment was due to be taken out it didn't come out of my bank account. I called the company and they told me my account was in good standing and that they would have all the problems fixed. Then the corona virus hit and I wasn't working as much, and they still weren't taking money out of my account weekly and there was no way on the app to pay for the vehicle. I then returned the vehicle since I wasn't driving for work because of covid. They started calling me at about a few months of not taking a payment telling me I needed to pay about {$2500.00} and asking me how I would like to pay this. I continually asked them to please send me a bill so I could work things out with them. They assured me they would. But then started calling me every single day up to 10 times a day. I had to block them because it was a nuisance, all hours of the day, weekends, holidays, from different numbers. I never got a detailed bill on how I could even begin to make payments or anything. They call me and tell me the same exact thing, and I just stopped answering because nothing is being done. It's becoming harassing and I don't answer the phone to any numbers I don't know now. I'm not even sure of exactly what I owe them because I never got a detailed bill. It seems different every time they called and I talked to someone. The calls seem to be threatening, and I've even ended up in tears and getting upset when I did talk to them. So I stopped answering and I never got a bill in the mail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-26 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
On Wednesday XX/XX/2021, I visited the Bank of America in XXXX, Georgia located at XXXX XXXX XXXX. I approached the teller desk to withdraw money off of my unemployment card. I provided my license and my debit card to show I was an account holder. After several attempts, the teller said the machine that is used to take the money off the card was not working. I asked her to try again, she did and said it was not working then either. She said there was no-one available to fix the machine and that she could not contact any help desk to try to troubleshoot and assist me. She directed me to a manager. The manager told me the battery was dead and needed to be charged and said she couldn't promise when the machine would be working again. Then she changed the explanation and said the machine was having data and network issues and that sometimes " technology '' doesn't work. She also said she did not know when someone would be available to fix the machine and refused to call the corporate headquarters to get advice on how to troubleshoot or what could be done to help. She told me to travel across town to another bank, without consideration for the fact that I am not in a position afford certain travel, especially as I was in town to check on two elderly parents, both of whom have XXXX illnesses. I was horrified because this is a multinational corporation that has a federal contract to provide people with access to their unemployment funds. i hate to consider the number of people who are in dire straits in the midst of a pandemic and this is happening and they have nowhere to turn.

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 2021-02-26 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
The problem was that I got a letter in the mail saying that Equifax can not assist me with all my Disputes because of unable to locate a credit file or right address. but when I check my credit file my right address is on my credit report with Equifax I send out Disputes 3 times NO RESPONSE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 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: CA

Complaint narrative:
There are three accounts on my credit reports that are not mine they do not belong to me in any way and I have tried to solve this with the credit bureaus and they are not helping 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