vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-22 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: KS

Complaint narrative:
On XX/XX/XXXX of 2020 I used my Citi Diamond Preferred Mastercard to purchase an all inclusive trip to XXXX, XXXX with XXXX. XXXX  ceased operations on XX/XX/XXXX of 2020 and informed customers that they would NOT be issuing refunds to customers, and that we must contact our banks or credit card companies to seek refunds. On XX/XX/2020 I disputed the charge of {$3100.00} with Citi under " Goods/Services Never Received. Initially Citi issued me a temporary credit to the card and claim they contacted XXXX regarding my dispute. On XX/XX/2020, Citi reversed my temporary credit and reissued the charge to my account. Citi stated that XXXX informed them that they had already issued me a refund, which is absolutely false. XXXX has lied to all card companies and banks and said they issued refunds to costumers, when in fact I have an email from XXXX stating that they would NOT be issuing refunds. I passed this documentation to Citi and they still sided with bookit.com. It has been well documented that XXXX has done this same thing to thousands of customers throughout the world. The Florida Attorney General and the XXXX XXXX Police Department are actively investigating XXXX for these actions. I belong to a XXXX Group titled XXXX Scammed By XXXX ''.   This group has thousands of members since XXXX of this year all with similar complaints. 
Through this XXXX group I have learned that Citi seems to be the worst credit card company about properly refunding their customers. On XXXX, 2020, I refiled the dispute with Citi and submitted documentation PROVING my case. Citi responded on XX/XX/2020 issuing another temporary credit to my account. However, they are giving XXXX until XX/XX/2020 to respond. I have no reason to believe that XXXX won't lie once again and say that they have refunded me when they in fact haven't. XXXX has been doing this over and over to all the other customers that I've met on the aforementioned XXXX Group. I also believe that Citi will once again rule against my dispute despite my providing documentation proving I am in the right. It seems apparent to me through mine, and numerous other Citi customers ' experiences with them, that Citi is trying everything they can to deny refunding their customers by dragging this out to the point where people give up trying to get their hard earned money back. I find it unacceptable that Citi hasn't yet provided me with a full permanent credit. It is my hope that you can somehow help myself and numerous other citi customers get back what is theirs. Please feel free to go to the above mentioned XXXX group and investigate for yourselves.

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 2020-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
DSNB/Macys is reporting a late payment to my Credit Bureau report which is incorrect as I had paid off all my balance in full for that month after speaking with the Customer Service before travelling. After I returned back to the US, I saw a charge of few cents and a late payment applied to it. I had called customer service right then and it was resolved as they refunded the charge along with late payment considering inaccurate and no action was needed from my end. However, it was reported to the Credit Bureaus as a late payment after a month and I see a remark on my credit bureau reflecting XXXX payment which affects my credit score and payment history negatively. 
I have 100 % payment history and a very responsible borrower but this is affecting my credit negatively and should be removed/deleted. I tried calling Macy 's customer service and they do not seem to have any information about this and see my account in good standing. 
My account is open since XX/XX/XXXX and the late payment that is affecting my score is from XX/XX/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 2020-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: TN

Complaint narrative:
I cosigned a car with my ex girlfriend several years ago. She took the car and ran off where the bank and police could not find her. I was threatened by Ali bank to pay for the car when I had no idea where the car was or is now. XXXX XXXX said my credit was XXXX and when trying to purchase a home with my wife, the car with my ex girlfriend is damaging my credit where XXXX XXXX can not see it. The account is closed on credit karma but still affecting me. Ali bank never told me if they ever found the car. I want this entire thing taken off my credit because this is completely unfair and unlawful when I was being asked to pay for a car when the police, the bank, and myself had no idea where it was.

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 2020-05-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: The Best Service Co.,Inc
State: CA

Complaint narrative:
The company failed to notify me in writing of this debt. I found out due to it being reported on my credit. I never heard from the company at all and once I found out about it, I paid immediately. This account should have not put on my credit as it was reported to XXXX XXXX. I never applied for a loan or a credit card. This was over draft fees and etc.

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 2020-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I have had the account with Bank of America for 5 years. In XX/XX/2020, my card was stolen and I reported that to Bank of America requesting they close the card. They did not close the card and I had no idea what is the status. In XX/XX/2020 they reported that I missed XXXX payments and that negatively affected my credit standing. I clear my outstanding balance on the card every month. Also I believe my account has been closed because I requested them to do so right after the card was stolen. Apparently they did not close the card and let it accumulates balance with unauthorized transactions. Now I left with a debt and missed payments report. 

Credit Card Account : 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 2020-05-22 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Control, LLC
State: CA

Complaint narrative:
Lied and conned me out of my money without upholding their promise. A settlement letter.

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 2020-05-22 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: AR

Complaint narrative:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name.XXXX  XXXX  XXXX {$1700.00} XXXX  XXXX XXXX {$120.00}

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 2020-05-22 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name.XXXX XXXX  XXXX {$1700.00} XXXX  XXXX XXXX {$120.00}

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 2020-05-22 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: RI

Complaint narrative:
I've sent the credit bureaus my information to update my personal information on my credit report but they have not done anything yet and it has been 2 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM

Complaint narrative:
On XX/XX/2020, two amounts were transferred out of my checking account with Bank of America through XXXX transfer. The amounts were {$1300.00} and {$140.00} and both were paid to XXXX XXXX ( total {$1500.00} ). I am not sure whether XXXX XXXX is a merchant or an individual! 

I have not initiated these transactions and I really do not know who XXXX XXXX is. On that exact day, I filed a fraud claim with Bank of America which eventually denied the claim. They are claiming that I am the one who must have approved the transactions because an authentication code must have been sent to my mobile number. I tried to talk to several departments at the bank to no avail. 

They asked me to contact my phone service provider which is XXXX to find out if my phone was hacked in the time frame. XXXX said not, it was not. 

I contacted the bank again for the claim to be reconsidered. They said in light of the fact that there was no new information, your claim would be denied again. 

I tried to contact XXXX to resolve the issue. XXXX said I should contact my financial institution to resolve the fraud claim. 

Now I am left without the {$1500.00} and with no hope of my claim being resolved.

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 2020-05-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: CA

Complaint narrative:
I received a letter from Capio Partners indicating I had a 7 year old medical debt. This debt is not mine and I have no record of this debt whatsoever. The amount in question is {$1000.00}. 

I filed a formal dispute with Capio via certified mail and have yet to hear back. In the meantime, they added the debt to my credit report without providing any proof of the debt. 

This has negatively impacted my ability to access credit and will end up costing me thousands of dollars.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-22 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: RI

Complaint narrative:
I've sent the credit bureaus my information to update my personal information on my credit report but they have not done anything yet and it has been 2 months.

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 2020-05-22 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: RI

Complaint narrative:
I've sent the credit bureaus my information to update my personal information on my credit report but they have not done anything yet and it has been 2 months.

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 2020-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
In XXXX, XXXX I noticed that Experian was showing that I had late payments on 2 accounts ( XXXX XXXX and XXXX XXXX XXXX XXXX ). AlsoXXXX my street name was incorrect ( they show a non existent street ). I mailed my first dispute using their form on XX/XX/XXXX. A second dispute was submitted online on XX/XX/XXXX. After receiving notice that corrections had been made I found the credit report was still wrong and I submitted a third dispute by email on XX/XX/XXXX. I was informed I could not dispute by email and sent a dispute letter on XX/XX/XXXX with supporting documentation for the incorrect street name as I had been instructed to do. ( See attachments # 1 ). I received an updated partial report dated XXXX ( see attachment # 2 ) which shows all information has been corrected. I then received a full report dated XX/XX/XXXX in which the late payments and wrong street name reappeared ( see attachment # 3 ). XXXX XXXX does not show any late payments and has provided a payment history ( see attachment # 4 ). I am not able to obtain info from XXXX XXXX XXXX on the credit card as the card in no longer active. I can only state that I have never been late on any payments even during the bankruptcy filing. In addition, I was denied a credit card from XXXX XXXX XXXX as a direct result of the inaccurate and negative information provided by Experian ( see attachment # 5 ). I believe that Experian is deliberately, willfully, intentionally and fraudulently posting harmful negative information on my credit report with the intent to negatively impact my credit rating. I further believe that Experian is deliberately, willfully, intentionally and fraudulently posting the incorrect address on my credit report with the intent to negatively impact my ability to obtain additional credit. I also believe that Experian is deliberately, willfully, intentionally and fraudulently refusing to correct the errors on a permanent basis with the intent to negatively impact my credit rating and to negatively impact my ability to obtain additional credit. It is important to note that both XXXX and XXXX have no late payments on their reports and have my street name correct. It is only Experian that is posting the inaccurate information and refuses to make the necessary corrections to my credit report with them. Another point of information, Experian also has the incorrect street name on my wife 's credit report. In response to her multiple disputes, Experian changed the city and state on her report to a city and state that she does not and never has lived in ( see attachment # 6 ). Experian has a known and documented history of falsifying credit reports for myself and my wife.

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 2020-05-22 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: NY

Complaint narrative:
I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasnt approved so it prompt me to check my credit report. These items listed are not mine and need to be removed. XXXX XXXX {$110.00} XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX {$680.00} XXXX  XXXX {$2800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on XX/XX/XXXX and never heard anything back. So I sent a 30 day comply on XX/XX/XXXX and I've yet to get any feedback on my investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 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: NY

Complaint narrative:
I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasnt approved so it prompt me to check my credit report. These items listed are not mine and need to be removed. XXXX  XXXX {$110.00} XXXX XXXX XXXX {$300.00} XXXX XXXX XXXXXXXX {$680.00} XXXX XXXX {$2800.00}

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 2020-05-22 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasnt approved so it prompt me to check my credit report. These items listed are not mine and need to be removed. XXXX XXXX {$110.00} XXXX XXXX XXXX {$300.00} XXXX XXXX  XXXX {$680.00} XXXX XXXX {$2800.00}

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 2020-05-22 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: CA

Complaint narrative:
I've been having problems trying to contact the credit bureaus about updating my personal information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
Hello - This is a rejoinder to the earlier case that had been filed with CFPB regarding my ACH transaction limitation via Paypal withdrawing funds from XXXX  XXXX Account. The details of the earlier case filed with CFPB under the reference number XXXX There were two entities involved in the Transaction. One being XXXX XXXX XXXX XXXX and the other being Paypal. 

This is a transaction involving my XXXX XXXX XXXX XXXX and Paypal. I had registered on Paypal my XXXX XXXX Checking account. On XX/XX/XXXX a suspicious transaction of {$530.00} was noticed on my Bank account. This amount was withdrawn by Paypal from my XXXX XXXX XXXX account. Subsequently i logged a incident with XXXX XXXX and Paypal on the same day. Later on XX/XX/XXXX XXXX XXXX XXXX credited this amount back into my bank account, so did Paypal on XX/XX/2020. So i received a double credit from both the financial institution. I had to refund the amount back to paypal Instead of enabling the process the ACH freeze had been put on my account. 

Had logged a ticket with CFPB to which XXXX XXXX responded stating that they had not imposed any ACH restriction on my account. I had to do my own research by calling XXXX XXXX XXXX post XX/XX/2020. XXXX which, i learnt that it was Paypal which had imposed this ACH restriction on my account. On XX/XX/XXXX I called up Paypal was able to refund the excess amount of USD XXXX via my DEBIT as Paypal had not enabled my Banking channel for the excess balance lying in my account. 

XXXX companies do not have the same set of rules that are being imposed on the banks. The fundamental question is on how did Paypal as a payment service provider allow a third party to withdraw funds without any adequate checks and balance. There is no two factor authentication mechanism in place to avoid such a fraudulent or unknown charge at Paypal 's end. 

Regulator 's need to take time out and protect ordinary Americans from such financial frauds from taking place.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
An incorrect negative statement was filed by XXXX Credit Card. I protested to them and filed a complaint with Experian and my credit score ( FICO ) dropped from XXXX to XXXX and continues to drop. They have made promises that it will return but nothing has changed.Please help, I have always had an impeccable credit scores with NEVER a negative filing for over 50 years!

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