vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-04 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/2018, I had received a fraud notice from Citi bank to inform me that there was fraud charge to my Citi/AAdvantage Platinum Select World Elite Mastercard account in amount of {$620.00} at XXXX XXXX # XXXX. Since I didn't recognize this charge, I immediately called Citi bank to dispute this charge and close out the credit card and Citi bank subsequently issued me a new card. Upon review of the detail charges to my Citi/AAdvantage Platinum Select World Elite Mastercard account once the new credit card was issued, I noticed that the fraudulent transactions of {$620.00} at XXXX XXXX # XXXX were charged to my current account three time on XX/XX/2018, XX/XX/2018, and XX/XX/2018 respectively ( in total of {$1800.00} ) and Citi bank didn't properly apply the credit against these charges. I immediately called Citi bank again to request a dispute and credits for all three charges ; however, they were not able to issued me a credit for the {$620.00} charges on XX/XX/XXXX and XX/XX/XXXX and told me these charges are still under investigation. I kept calling them every week to inquire the status of these charges and I have been checking on the status of these fraudulent charges closely throughout the month of XX/XX/XXXX. On XX/XX/2018, I looked at my account detail again and noticed that the credit Citi bank issued to me to offset the fraudulent charges on XX/XX/2018 was reversed on XX/XX/2018 and they further issued an electronic notice to inform me that the three aforementioned disputed fraudulent charges were valid!! This situation is getting so ridiculous and unbelievable because first, they didn't contact me directly explain to me why they concluded these charges were valid ; second, I didn't see any support that show my signature or any form of authorization to prove these transitions were valid ; and third, their process was completely inefficient and not did they exercise due diligence in this process.

I am a victim of these fraudulent charges and it looks like to me that the Citi Bank didn't take any action against the wrongful charges and would like me to bear the liability and pay for them!!

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 2018-07-04 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I had told them to kindly supply me with any signature or financial account that ties me with the account and if they couldnt they should cease and desist from reporting the negative report they are reporting to all the credit Bureaus and this is being going on for a year and they havent changed anything I have made numerous calls and written several letters

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
It shows on my credit report that my student loans are delinquent and they are not. I would like to have that off of my report.

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 2018-07-04 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Lost or stolen money order — 
Company: WESTERN UNION COMPANY, THE
State: GA

Complaint narrative:
On XX/XX/XXXX, I purchased a money order at XXXX .upon me reaching my car, I realized my money order was missing. I immediately went back to the store. ( XXXX ) store clerk began calling Western union on my behalf. I was immediately able to obtain the form, and send them back the same day. Upon them receiving the forms, they requested me to complete an affidavit. I submitted on XX/XX/XXXX, western union confirmed receipt, and I was told, it would take ( 15 ) days, and I authorized them to take out the fee for a refund.. After ( 15 ) days, I attempted to reach out, and I would received different responses, in which cause me to belief, something is wrong. Originally, I was told that my refund is being process, and then I was told that they mistakenly cash the money order even at that I had submitted a stop payment on it .and should received the name of the person that cash it. But never did, and every attempt, I made to reach them fail as if they had caller ID. I m on XXXX an to be taken advantage of by western union is sad/ and a disagrace. I will continue to complain to my state officials as well as companies like the XXXX, to expose these major companies bad practices. 

Please look into this matter Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
IN REGARDS TO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX. I HAVE EXPLAINED COUNTLESS TIMES TO EQUIFAX THAT I HAVE NEVER DONE BUSINESS NOR HAVE I HAD A CARD WITH THEM THAT IVE I APPLIED FOR AND I AM A VICTIM OF IDENTITY THEFT AND FORGERY HAS BEEN COMMITTED. THEY CONTINUE TO KEEP REPORTING INACCURATE INFORMATION ON MY CREDIT REPORT WITH OUT INVESTIGATIONING THE PROPER VALIDATION OR VERIFICATION OF THE ACCOUNT IN QUESTION. IF THIS KIND OF UNLAW BUSINESS PRATICESS THAT BREAKS THAT BREAKS THE FTC LAWS CONTINUES I WILL BE FORCED TO FILE SUIT FOR EACH INFRACTION BROKEN IF THE ACCOUNTS ARENT REMOVED AND THEY DO NOT CEASE AND DESIST AND REMOVE THE NEGATIVE ACCOUNT FROM REPORT. I WILL BE CONSULTING WITH A CONSUMER LAW ATTORNERY ON THIS MATTER.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-04 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: DE

Complaint narrative:
On XX/XX/18 I sent a dispute to the XXXX at XXXX  XXXX XXXX Tx XXXX and Transunion at XXXX. XXXX XXXX. XXXX, PA XXXX. They received them XX/XX/18 and XX/XX/18 respectively via certified mail. I sent the letter in regards to the inaccurate reporting on my consumer report. Today 's date is XX/XX/18 and it has been over 60 days since they have received my dispute about the collection accounts on my report and according to FCRA they only have 30 days to respond to disputes and both have yet to do so. This is against the law to report inaccurate accounts on my credit report and not respond to my dispute in a timely manner. The account is XXXX XXXX XXXX   in the amount of {$4400.00} needs to be deleted immediately for not following FCRA rules and regulations in a timely manner. This debt has never been verified, I have not received in the mail and XXXX and TRANSUNION aren't responding to my correspondence and this has already jeopardized me getting on my home loan and now is not allowing me to obtain my XXXX and continue my education.

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 2018-07-04 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: DE

Complaint narrative:
On XX/XX/18 I sent a dispute to the Experian at XXXX  XXXX XXXX Tx XXXX and XXXX at XXXX. XXXX XXXX. XXXX, PA XXXX. They received them XX/XX/18 and XX/XX/18 respectively via certified mail. I sent the letter in regards to the inaccurate reporting on my consumer report. Today 's date is XX/XX/18 and it has been over 60 days since they have received my dispute about the collection accounts on my report and according to FCRA they only have 30 days to respond to disputes and both have yet to do so. This is against the law to report inaccurate accounts on my credit report and not respond to my dispute in a timely manner. The account is XXXX   XXXX XXXX in the amount of {$4400.00} needs to be deleted immediately for not following FCRA rules and regulations in a timely manner. This debt has never been verified, I have not received in the mail and EXPERIAN and XXXX aren't responding to my correspondence and this has already jeopardized me getting on my home loan and now is not allowing me to obtain my XXXX and continue my education.

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 2018-07-04 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: DE

Complaint narrative:
On XX/XX/18 I sent a dispute to the XXXX at XXXX XXXX XXXX Tx XXXX and Transunion at XXXX XXXX XXXX XXXX, PA XXXX. They received them XX/XX/18 and XX/XX/18 respectively via certified mail. I sent the letter in regards to the inaccurate reporting on my consumer report. Today 's date is XX/XX/18 and it has been over 60 days since they have received my dispute about the collection accounts on my report and according to FCRA they only have 30 days to respond to disputes and both have yet to do so. This is against the law to report inaccurate accounts on my credit report and not respond to my dispute in a timely manner. After I contacted them in XX/XX/XXXX it was then being reported as current but fell behind, even though I told them it wasn't me and I never made a payment. The account is XXXX/XXXX in the amount of {$990.00} and needs to be deleted immediately for not following FCRA rules and regulations in a timely manner. This debt has never been verified, I have not received in the mail and XXXX and TRANSUNION aren't responding to my correspondence and this has already jeopardized me getting on my home loan and now is not allowing me to obtain my XXXX and continue my education.

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 2018-07-04 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: DE

Complaint narrative:
On XX/XX/18 I sent a dispute to the Experian at XXXX XXXX XXXX Tx XXXX and XXXX at XXXX XXXX XXXX XXXX, PA XXXX. They received them XX/XX/18 and XX/XX/18 respectively via certified mail. I sent the letter in regards to the inaccurate reporting on my consumer report. Today 's date is XX/XX/18 and it has been over 60 days since they have received my dispute about the collection accounts on my report and according to FCRA they only have 30 days to respond to disputes and both have yet to do so. This is against the law to report inaccurate accounts on my credit report and not respond to my dispute in a timely manner. After I contacted them in XX/XX/XXXX it was then being reported as current but fell behind, even though I told them it wasn't me and I never made a payment. The account is XXXX/XXXX in the amount of {$990.00} and needs to be deleted immediately for not following FCRA rules and regulations in a timely manner. This debt has never been verified, I have not received in the mail and EXPERIAN and XXXX aren't responding to my correspondence and this has already jeopardized me getting on my home loan and now is not allowing me to obtain my XXXX and continue my education.

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 2018-07-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
On XX/XX/18 I sent a dispute to the XXXX at XXXX XXXX XXXX Tx XXXX and Transunion at XXXX XXXX XXXX XXXX, PA XXXX. They received them XX/XX/18 and XX/XX/18 respectively via certified mail. I sent the letter in regards to the inaccurate reportings on my consumer report. Today 's date is XX/XX/18 and it has been over 60 days since they have received my dispute about the collection accounts on my report and according to FCRA they only have 30 days to respond to disputes and both have yet to do so. This is against the law to report inaccurate accounts on my credit report and not respond to my dispute in a timely manner. The accounts are XXXX XXXX XXXX in the amount of {$140.00} XXXX XXXX XXXX in the amount of {$530.00} XXXX XXXX in the amount of {$0.00} XXXX in the amount of {$340.00} XXXX/XXXX XXXX XXXX in the amount of {$0.00} XXXX XXXX in the amount of {$980.00} These need to be deleted immediately for not following FCRA rules and regulations in a timely manner. These debts have never been verified, I have not received in the mail and XXXX and TRANSUNION aren't responding to my correspondence and this has already jeopardized me getting on my home loan and now is not allowing me to obtain my XXXX and continue my education.

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 2018-07-04 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: AR

Complaint narrative:
MONEYGRAM IS FAILING TO REFUND FRAUD INDUCED MONEY TRANSFERS FROM XX/XX/XXXX-XX/XX/XXXX TOTALING {$47.00}, XXXX PLUS {$15.00}, XXXX FOR A GRAND TOTAL OF {$62.00}, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: NC

Complaint narrative:
Per the terms listed on the Bridgecrest.com website, in order to submit a request for name change, please fax a copy of your marriage license and government issued ID showing both your former and married names. 

I complied and faxed the documents and was replied via USPS that I needed a notary to verify my legal drivers license. Bridegecrest continues to report my payments and account to the credit bureaus in my maiden name which is no longer valid. 

Again, calling to ask why my name hasnt been updated, the rep claimed that my marriage license hadnt been received. I have a digital fax service which verified the pages were received. I faxed additional copies of my drivers licenses and marriage license requesting a 2nd, 3rd, and 4th time via fax and forwarding the faxes to email and they remain ignored. 

I want my legal name reflected on my loan account and it to be updated as such.

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 2018-07-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In XX/XX/XXXX I spoke with a bank representative regarding the pay off of this account. I was advised that the pay off amount was {$320.00} ( see attached Business Checking statement ) and in the new year I paid the full amount via my business checking account XXXX XXXX XXXX on XX/XX/XXXX. 

In XX/XX/XXXX I reviewed my tri merged credit file via XXXX and found that XXXX XXXX XXXX is still reporting this account when payment was accepted.

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 2018-07-04 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: EQUIFAX, INC.
State: FL

Complaint narrative:
In XX/XX/XXXX I spoke with a bank representative regarding the pay off of this account. I was advised that the pay off amount was {$320.00} ( see attached Business Checking statement ) and in the new year I paid the full amount via my business checking account XXXX XXXX XXXX on XX/XX/XXXX. 

In XX/XX/XXXX I reviewed my tri merged credit file via XXXX and found that XXXX XXXX XXXX is still reporting this account when payment was accepted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-04 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: FL

Complaint narrative:
In XX/XX/XXXX I spoke with a bank representative regarding the pay off of this account. I was advised that the pay off amount was {$320.00} ( see attached Business Checking statement ) and in the new year I paid the full amount via my business checking account XXXX XXXX XXXX on XX/XX/XXXX. 

In XX/XX/XXXX I reviewed my tri merged credit file via Experian and found that XXXX XXXX XXXX is still reporting this account when payment was accepted.

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 2018-07-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Im trying to access my account through an ach program to pay for my training but Capital One has set up a block I guess as added protection, but its counterproductive because this application does that for me too so that my payment is secure. I just want in the future this not to happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am XXXX since XX/XX/XXXX. I was unemployed but receiving unemployment until XX/XX/XXXX. Ive comtinued working for an agency of XXXX and was hired at XXXX XXXX XXXX XXXX in XXXX for 2 weeks and then another job for XXXX XXXX XXXX in XXXX, Ca. While I XXXX XXXX XXXX XXXX Since XX/XX/XXXX til XX/XX/XXXX. I no longer have any banks since my wallet was lost since XX/XX/XXXX. I had closed my account with Bank of America by telephone. I got no access through mail due to XXXX. I have no idea why Bank of America is putting a block on my name which is preventing me from opening a bank anywhere. I left out of country on XX/XX/XXXX til XX/XX/XXXX. Recently I received a check from XXXX and XXXX fir some settlement. It was issues on XX/XX/XXXX, While i was out of country. Now my check are not able to get cash or deposits due to Bank of Anerica put a hold on my account, dissabling me. Im able to residenwith my brother sharing a room with my parents. And gon na start my job nearby. But with my problem with XXXX, my checks are just useless. Please help me get back on track and I cooperated with Bank of America but they said even if I would pay the bank will not let me open an account. So therefore, my hands are tied and now stuck in the past.

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 2018-07-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
We are small business -XXXX XXXX XXXX XXXX-and are attempting to notify about the tactics used by Care credit now XXXX XXXX. 
We have had merchant account with Care credit and for past 20 years since ownership to XXXX XXXX there has been noticeable change in their banking tactics. 
Since beginning of XX/XX/2018 our patients opened accounts with Care Credit - then we had finished treatment they accused us of fraud. We provided Care Credit all signed documents and signed credit card slips but in both cases Care Credit did charge back-this in violation of our merchant agreement! We in good faith did treatment the patients then dont want to pay Care credit and file complaint. We provide all required paperwork Care credit ignores it and does chargeback to appease patients. We are small business and hiring attorney to fight this we would win but financially we can not afford to. We have closed our merchant account with Care Credit -XXXX XXXX . 
They charged our account merchant fees on initial two payments and again merchant fees when they did chargeback! This is theft and we are sure they are doing this to other merchants at behest of unscrupulous Care Credit card holders. We sincerely hope they are shut down and wanted this on the 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