vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-19 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: CITIBANK, N.A.

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Dear Sit/Madam I am a XXXX XXXX  resident in XXXX and XXXX with XXXX dependent son. My state pension was stopped on XX/XX/XXXX, and the XXXX refuses to come up with a solution to rectify the problem. Yes. I do understand their argument that they used Citibank for their transaction services, and that Citibank now refuse to service cash transactions to XXXX, including those to XXXX XXXX residents. 

Please understand the seriousness of this situation, as I am sure the intent of sanctions is not to starve ordinary common people from surviving with an income. Also, please understand that as a resident I signed an agreement I will not be in debt and will pay taxes to the XXXX  government, I can no longer do that, with the serious problem of where the next loaf of bread will come from. When I get deported, can I bring my wife and son? not that I want to. I would sooner stay here and receive this. 

There is a solution, I do have a bank that is not sanctioned and will accept international cash transactions in XXXX XXXX and dollar, ( I have those separate account numbers ) and that is XXXXXXXX XXXX  ( XXXX ) registered in XXXX. I have informed the XXXX XXXX, but they are ignoring this solution to directly pay My pension to XXXX XXXX. 

Could I work? Yes, and my wife and I did as freelancers. But unfortunately the agency contacts we had cant pay, due to sanctions. We are owed money but dont know if and when we will be paid. The work we did depended on payments from international customers, so freelance agents are also suffering due to sanctions. I have contacted the XXXX XXXX in XXXX, and the XXXX XXXX XXXXXXXX and they were no help at all. 

Please understand the seriousness of this situation, nobody can survive without income and the banking ability to receive cash. 
Your faithfully XXXX XXXX XXXX Contacts The XXXX  Service XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.

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 2023-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I submitted a dispute with XXXX, XXXX, and XXXX  against Pro Collect. My dispute is that a collections account is still reporting on my credit and it is past the statue of limitation for Texas. 
XXXX and XXXX- Didn't even reinvestigate the dates. 
XXXX  - Pro Collect submitted a copy of the original contract ( shows dates of first delinquency ) but didn't remove it from my credit file. All three companies are only investigating the account ownership. I am not disputing ownership. I am disputing the fact that its an old collections account and past the statute of limitation. The original date of first delinquency is XXXX/XXXX. The statue of limitation would of expired XX/XX/2023.

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 2023-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
Company continues to provide my credit report to companies without my consent, and refuses to erase my data when requested after opening up an account in my name without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This is regarding complaint XXXX. You stated that according to your records, the disputed account does not appear on my current Experian credit report, but I will attach my current report showing the account XXXX XXXX XXXX XXXX XXXX that you are reporting as a paid collection when this account never went into collections. I submitted everything in XXXX and you guys updated the account from owing a balance to paid and closed. This account was never in collections and no other bureau is reporting this inaccurate information. I will attach my payment in XXXX. Your argument isn't that I'm incorrect, it's that the account isn't reporting which it is. Remove the collection status from this account and update to paid and closed, never late. If this is not update immediately, I will be pursuing small claims court due to sufficient evidence of negligence and inaccurate reporting. This is also affecting many credit opportunities for me because of false reporting so I can also sue for defamation of character.

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 2023-07-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
Around XXXX on XX/XX/XXXX, I received a message via XXXX XXXX regarding the sale of my bed I had in the XXXX XXXX XXXX The buyer went by the name, XXXX and supposedly sent me {$100.00} for the bed. However, I received an email from XXXX stating that my XXXX  account needed to be upgraded to receive the XXXX and I was to send {$400.00} via XXXX and would be refunded a total of {$500.00}. Due to XXXX 's security measures, it didn't send the funds so I sent the funds through PayPal to XXXX XXXX XXXX for a total of {$400.00} after the paypal fee. This amount has since been returned to my bank due to an insufficient balance. I sent this amount around XXXX on XX/XX/XXXX. I would receive XXXX other emails regarding a tax and vat fee for {$500.00} to XXXX XXXX ( sent around XXXX ), and then a certificate fee for {$300.00} to XXXX XXXX XXXX sent around XXXX ). Each email promised I would be refunded the full amount and an additional {$50.00} for the inconvenience. However, the last step was to give them my bank account and login information which I refused to do. 

Each of these transactions was sent via paypal 's friends and family services despite it being a supposed goods and service transaction because that is what I was instructed to do. I have been on the phone with both XXXX  XXXX XXXX and paypal multiple times over the course of several weeks with no solution and no recourse. Paypal won't do anything because of how I sent the funds and even the dispute I filed was denied. My bank won't do anything either because of how the funds were sent and I have been overdrawn close to {$400.00} since the XXXX when the paypal transactions reached my bank. The {$400.00} amount has since been returned or it would be overdrawn over {$700.00}. 

I have been able to put a stop payment for the XXXX  transactions so far to hopefully prevent further attempts. However, I do have a negative amount now of {$400.00} on my PayPal balance because the bank has returned it so it is still affecting me. 

I have told both agencies that this was a scam and despite them being sympathetic to my circumstances nothing has been done. 

The attached screenshots are as follows : the initial email states that XXXX, the assumed name of the person who was supposedly interested in my product, had sent me {$100.00} but my account needed to be upgraded. 
The amount of {$400.00} was to be sent to the 'buyer ' which would be XXXX XXXX XXXX which would be a total of {$400.00} the following emails show the vat and tax fee and email address to send it to as well as the certificate fee and the email address to send it to. 
the last email shows the " last step '' I would need to do to get all the money refunded to my account which included giving my bank account and login information. 

Following the last email, I stopped all contact with the " buyer '' and reported them. I did not give them my bank account information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 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: CT

Complaint narrative:
Please remove this inquiry from my credit report immediately as it is not mine, and I have no affiliation with the creditors in question.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
WAS LOOKING FOR THE CAR BUT NEVER GIVE PERMISSION TO RUN MY CREDIT REPORT WITH THE BELOW BANKS AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
WAS LOOKING FOR THE CAR BUT NEVER GIVE PERMISSION TO RUN MY CREDIT REPORT WITH THE BELOW BANKS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Debt Recovery Solutions, LLC
State: AL

Complaint narrative:
I paid the debt I do not owe XXXX to DRS whom I never signed a contract with know who they are. I do not owe XXXX XXXX  XXXX this debt is almost 7 years old and it was removed they added this as if I have a new debt and I dont.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
I want to emphasize that I have not applied for any credit or services offered this company nor have I granted permission for them to access my credit information. Therefore, the inquiry ( s ) made by this company are unauthorized and potentially damaging to my credit score and financial reputation.

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 2023-07-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
On XX/XX/23 I charged {$2100.00} to XXXX for a hospital bill. I advised I was using my care credit card. When my statement arrived on XX/XX/23 there was no promotional period with deferred interest. I called Care Credit and was told the merchant must have entered the transaction incorrectly. 

On XX/XX/23 I charged {$470.00} at Lenscrafters for eyeglasses. I handed them my care credit card. When my statement arrived on XX/XX/23 there was no promotional period with deferred interest. I called Care Credit and was told the merchant must have entered the transaction incorrectly. 

I believe this is a pattern of deception in an effort to collect 26.99 % interest from me rather than permitting the typical XXXX months interest deferred promotion. 

I have cancelled my card due to their deceptive practices and want to file a formal complaint. I will take a personal loan so as not to pay the predatory interest rate that was forced upon me. I have been a loyal customer of Care Credit for more than XXXX years and did not expect this treatment.

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 2023-07-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: VA

Complaint narrative:
I have always made timely payments on this account, and it is deeply unjust that I am now facing consequences for something that is beyond my control.

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 2023-07-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NC

Complaint narrative:
I was on a payment plan. I made the payments. The realtor said there was a buyer for the house. So I didn't make the next payment. The buyer back out so that left me behind on the payment plan. 
I asked to be put back on the payment plan. They said no. I need to complete a loan modification. I'm not needing a loan modification I need to be reinstated to my payment plan. I am able to pay according to the payment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XX/XX/2023 a dispute was sent to Trans union in relating to accounts that were on my credit report that did not belong long to me. These accounts were fraudulent. I submitted a FTC fraud report, police report, attached to a letter to TransUnion, as well as XXXX, and XXXX. XXXX and XXXX removed the fruadulent accounts but not TransUnion. On XX/XX/XXXX, I sent a 2nd letter to TransUnion stating that XXXX & XXXX removed the information. How is TransUnion verifying this information if all 3 bureaus get the information from the same source? I reattached the police report and FTC fraud report. On XXXX, XXXX XXXX  I received a letter from TransUnion stating they will reinvestigate. As of XX/XX/XXXX the information disputed has not been properly verified by TransUnion.

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 2023-07-19 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: TN

Complaint narrative:
On Sunday, XX/XX/2023, I logged into my CashApp account using the application and received a notice stating that my account had been closed. No warning just a notification stating that I violated the terms and agreements, after clicking on the link to see if it would give me additional details as to what I may have done, nothing clarifies why my account was closed. So, on on XX/XX/2023, I went through the customer support chat to ask what I did to violate the terms and agreements and if they could provide with that additional information or proof, the person in the chat only repeated what was on the notification which was a general/broad explanation, " you've violated the terms and agreements of Cashapp, that is why your account is closed... I don't have specific reasons why, but you can view our Cash Terms of Service. '' and once again was provided a link of the terms that I had already read prior to starting the chat. I then escalated the situation to a manager/supervisor, unfortunately, he was not able to give me any specifics for the closing of my account and didn't offer to reopen it. I've only used my account for personal situations ; sending money to family and friends in cases of emergency and to those who perform services on myself and family members, such as personal upkeep.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ocwen Financial Corporation
State: OK

Complaint narrative:
Charging escrow. XXXX. outstanding late charge. Never late on payment. Assessed expanses. XXXX. I made a double payment. Not extra escrow. But the recorded it like that. And the addmited they made a mistake. But never corrected all of it. They even reported me to credit. Please help me. They will not talk to me. I don't speak asain. They purchased this loan. I would never use them. Thanks. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 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: CAVALRY INVESTMENTS, LLC
State: MO

Complaint narrative:
I have been trying to dispute the account that is listed below, and they are not taking it off. I am a victim of identity theft and I have properly submitted my FTC report and they will not remove. On XX/XX/2023, I submitted a FTC report on the account from Calvary Portfolio for {$3100.00}. 

Calvary Portfolio Acct XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC
State: NY

Complaint narrative:
15 U.S. Code $ 1681c-2 consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than four business days after the receipt. It has been 30 days and you are in violation of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!! 
Names : XXXX XXXX XXXX, XXXX XXXX XXXX Collections : XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX ( XXXX ) XXXX Account number XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXXXXXX XXXX Account number XXXX XX/XX/XXXX Hard Inquires : XXXX XXXX  Inquired on XX/XX/XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX These accounts should not be furnished on my consumer report as they are in VIOLATION!! Under, 15 U.S Code 1681b Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( C ) any consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I never gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 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: CA

Complaint narrative:
Hi, I have sent all of the required documentation to update my CURRENT ADDRESS w/ Experian to reflect my proper current address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) but my report is still reflecting an incorrect address as my primary address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). 

Once again, I have sent in all of the required documentation to prove my current address and have that changed out, and XXXX and XXXX have updated their systems and deleted the incorrect address- but Experian has not. 

PLEASE FIX THIS- I am having incorrect information reporting publicly on my file, this has caused me a lot of stress and mental angst. Thank you.

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