vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-29 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: CT

Complaint narrative:
On XX/XX/2023, I mistakenly made a duplicate monthly premium payment of {$1800.00} to XXXX XXXX using my Costco Anywhere Visa by Citi Bank ( " CAV '' ). Upon realizing the error, I called XXXX. They advised me to stop the duplicated payment through Citibank. Citibank said I had to put the transaction in dispute. I immediately called Citibank and placed the issue in dispute. 

Not knowing this would be a protracted process. On XX/XX/2023, I decided to take the transaction out of the dispute. Just because the next month 's premium to XXXX would have been due on XX/XX/2023. 

I thought by removing the dispute would allow the forwarding of the {$1800.00} payment to XXXX, and that will be it. On XX/XX/2023, XXXX notified me that the remittance for XXXXXXXX XXXX premium was outstanding. I followed up with a call to Citibank to see what happened to the payment I took out of the dispute. They said that the funds were released to a " XXXX account '' and that XXXX " simply '' had to retrieve the funds from that account. And, there was nothing else Citibank could do. XXXX has no record of receiving the payment from Citibank. 

From the conversations that I have been privy to with Citibank and XXXX : it appears to be a flaw in the Citibank Dispute Process : When a dispute is settled or canceled, the " CHARGEBACK '' is released to the vendor 's bank, and there are no identifiers ( account number, customer name, etc.. ) as to which customer account the payment is should be credited to. So the funds just go to some sort of miscellaneous account and not to the Customer 's account. 

Citibank 's fiduciary relationship with me is to ensure that payments made on my behalf through their banking system on my behalf have all the identifiers needed by the receiving entity to process the payment. 

Citibank has refused to credit me the {$1800.00} that I paid to XXXX via CAV card but was not received by XXXX. 

As a duplicitous ploy, to muddy the waters, Citibank credited me the second payment of {$1800.00} on XX/XX/2023 when I said I wanted to reinstate the dispute. My intent in reinstating the dispute was an attempt to receive credit for the outstanding {$1800.00}. 

PLEASE CONTACT ME IF YOU HAVE ANY QUESTIONS OR CONCERNS. MY CONTACT INFO IS : XXXX Sincerely, 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 monetary relief
Consumer complaint received 2023-03-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: OH

Complaint narrative:
I already have disputed this account multiple times for the last 6 months and there has been no any respinse after the account information submitted has met the FCRA requirements. The account informations reporting are all inaccurate and doesnt make sense at all. The last active sates and the opening dates of this account has been varying from one bureaus to another. Under 15 U.S. Code 1681 ( e ) ( B ), this is a violation of my rights as a consumer for non compliance. Please remove these account referenced to the files attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 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: OH

Complaint narrative:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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 2023-03-29 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
In accordance with The Fair Credit Reporting Act, XXXX XXXX Acct # XXXX, has violated my rights. 

15 US C 1681 Section 602 A states I have a right to privacy.

15 US C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2023-03-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Hello, on XX/XX/2023 I applied for a credit card application XXXX due to Capital One pre approval advertising and I was given good news stating I was pre approved for XXXX different cards so I decided to apply based off the good news Capital One stated and was denied. I was mislead and did some research and Capital One is already facing a class action for " Dark Patterns '' in the state of New Jersey case # XXXX. I have met all the Capital One requirements and I already have a Quicksilver card in perfect standings with a XXXX credit line and have excellent credit based off the three credit bureaus in the United States. This has affected my credit report in negative way and has caused unnecessary stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 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: FL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 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 Credit Systems, L.P.
State: IL

Complaint narrative:
I have no knowledge of this account I have been a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I have two serious problems with American Express. I have been a customer of American Express Credit Card Co. for many years. 

The first problem is : One month ago the company sent me a letter saying that I would be enrolled in paperless billing as of XX/XX/2023 - without my consent. I did not want that change. It took me about two hours speaking to a customer service representative ( a week or so ago ) to have that changed. The employee said it was corrected, but I am not sure that it has been done. I do not trust the company. 

The second problem is : Up until one month ago, American Express has sent me a monthly bill that clearly stated what amount I need to pay each month to pay off my debt within 3 years, thus saving interest and allowing me to properly manage my expenses. The company stopped doing that last month and did it again this month. 

I spoke to a customer service representative who said that my only choice is to pay the full amount or the minimum payment, which will take me 36 years to pay off and XXXX  in interest. 

I can not figure out what the 3 year pay off amount is. I need it. I feel American Express is engaging in an unfair practice that is designed to make me pay more money and increase its gross profits. 

I need your help. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: United Collection Bureau, Inc.
State: VA

Complaint narrative:
On XX/XX/2023 I was called by United Collections about an alleged Dept. I spoke with a senior manager by the name of XXXX. I informed XXXX not to call, email and not to have any communication with me until they could validate. I made sure he understood that he was not to call or communicate with me at all. on XX/XX/2023, I received an email asking me to pay the debt. On XX/XX/XXXX, I sent UCB a dispute letter and on XXXX XXXX I sent an email letting them know they had violated my rights and also they are not allowed to collect in my current state.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
So I filed a complaint yesterday, no need for me to repeat what I wrote yesterday. Bank of America regulatory complaints department only responds to messages quickly when they know they are in the wrong about XXXX discrimination. They keep sending my complaint to the same person whos name is XXXX XXXX and she has yet to help me with any issues and regularly calls me to say she cant confirm my identity to move on with this process which i know is false. Bank of America just keeps doing everything it can to try and scam me a XXXX minority out of his money as Im sure they are doing to many XXXX minorities. Why call to waste my time and only enrage and upset me more about the situation. Bank of America is an institution that regularly XXXX  profiles their clients per many situations we have seen on the news and social media outlets throughout the past few years. This is ridiculous and I will definitely be recording this conversation for all to see and hear.

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 2023-03-29 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: Avant Holding Company, Inc.
State: FL

Complaint narrative:
I have a few credit cards on my account that tried to work with the consumers by paying some that were mine and trying to resolve what wasnt mine a fair resolution would be to remove from credit its old its a back and fourth situation and it has to have an end XXXX XXXX XXXX {$740.00} / XXXX XXXX XXXX is attached to them also first progress $ XXXX avant- credit card $ XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  for $ XXXX XXXX {$570.00} just a bunch of cards just used under my name I need serious help in getting some of this deleted and me calling them and paying for now 7 credit repair companies Im tired and this is my last place to look for help thanks to whom this may concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: HEARTLAND PAYMENT SYSTEMS INC
State: NC

Complaint narrative:
I attempted to pay my loan through XXXX several times. It was sent on XX/XX/XXXX and XX/XX/XXXX to the po box provided by Heartland ECSI as they claim they do not accept electronic payments I have been trying to address this issue since XXXX. Customer service has shown extreme incompetence when handling this issue. They refuse to track the payment to see if it was erroneously applied to an incorrect account. In addition, it is impossible to even contact Customer Service as the wait time is over 2 hours and they never return a phone call. My credit has been affected and I just want it paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I had a Wells Fargo account between XXXX and XXXX. I cant remember exact dates, but I was looking into if I had anything to claim.

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 2023-03-29 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: Experian Information Solutions Inc.
State: KY

Complaint narrative:
The Installment Loan from XXXX was Paid Off on XX/XX/XXXX. I closed my account shortly after. 

My credit report has yet to be updated to reflect correct balance / account closure. 

When contacting XXXX  customer support, my problem was not resolved. 

When disputing with Experian, the investigation led to XXXX refusing to properly update the credit 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 2023-03-29 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: CITIBANK, N.A.
State: CO

Complaint narrative:
I have always been set up on Automatic payment on my accounts but I have 1 late pay from two different accounts with a company. I have tried disputing and getting an explanation but i haven't. The website didn't take my payment a month I guess but I should not be suffering from from that with a lower credit score. It wasn't my fault. Please assist me in getting these late pays removed. The bureaus are no help. They are not even processing my investigations.

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 2023-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
On XX/XX/2023, I learned my account has been frozen for several days, I was not notified prior to this. 

I was told it was frozen for some kind of fraud, but it was just me trying to transfer my money into another account I own with XXXX. 

4 times I called Bank of America to gain access to my money. No one would help me or there would be no answer, or I would a message saying " your call can not be completed at this time ''.

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 2023-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have been damaged by XXXX XXXX because their random audit cut my account value to the point where I downgraded my card because it was not worth the annual fee anymore My credit score now is XXXX points lower on Transunion and XXXX points below than normal due to the Actions of XXXX despite 19 years of experience and full service banking. 
I paid a debt that was not even actually due and have never been late yet all of my accounts were cut to the point that it is not worth using them just paying them off and reserving them for emergencies only rather than close them or just sue them for the damage they have done to me. 
I gave them supporting documents regarding how I make money and they refused to regard it. 
I am now submitting more paperwork than it took to secure the account in the first instance. My credit ranged from XXXX XXXX and I spoke with a supervisor there today who said that they would " do something '' to correct the damage to my credit. An hour later I received an email saying that my score dropped from ( XXXX ) Transunion, XXXX XXXX ) at XXXX... and I'm afraid to look at XXXX. 
I used XXXX XXXX  and credit and they damaged my credit rating, no reason completely random with no forewarning. 
I am writing this complaint because I spoke to a supervisor who led me to believe that they would '' do something " to ensure my credit rating goes back to where it was but I don't believe this because an hour later I get a TRANSUNION email saying there was a change to my score and Transunion statement notes a XXXX point drop. 
I am asking for rapid assistance as a means to avoid suing for the damages done to my credit rating to XXXX. 
Please help remedy this before I am forced to litigate or change my name to 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 2023-03-29 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have been damaged by XXXX XXXX because their random audit cut my account value to the point where I downgraded my card because it was not worth the annual fee anymore My credit score now is XXXX points lower on XXXX and XXXX points below than normal due to the Actions of XXXX despite 19 years of experience and full service banking. 
I paid a debt that was not even actually due and have never been late yet all of my accounts were cut to the point that it is not worth using them just paying them off and reserving them for emergencies only rather than close them or just sue them for the damage they have done to me. 
I gave them supporting documents regarding how I make money and they refused to regard it. 
I am now submitting more paperwork than it took to secure the account in the first instance. My credit ranged from XXXX XXXX and I spoke with a supervisor there today who said that they would " do something '' to correct the damage to my credit. An hour later I received an email saying that my score dropped from ( XXXX ) XXXX, XXXX XXXX ) at XXXX... and I'm afraid to look at Equifax. 
I used XXXX XXXX  and credit and they damaged my credit rating, no reason completely random with no forewarning. 
I am writing this complaint because I spoke to a supervisor who led me to believe that they would '' do something " to ensure my credit rating goes back to where it was but I don't believe this because an hour later I get a XXXX email saying there was a change to my score and XXXX statement notes a XXXX point drop. 
I am asking for rapid assistance as a means to avoid suing for the damages done to my credit rating to XXXX. 
Please help remedy this before I am forced to litigate or change my name to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
2021 i settled the credit card payment with credit report, but credit report have not deleted the report our my credit 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 non-monetary relief
Consumer complaint received 2023-03-29 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: EQUIFAX, INC.
State: NY

Complaint narrative:
2021 i settled the credit card payment with credit report, but credit report have not deleted the report our my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 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: NY

Complaint narrative:
2021 i settled the credit card payment with credit report, but credit report have not deleted the report our my credit 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 non-monetary relief
Consumer complaint received 2023-03-29 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: Paypal Holdings, Inc
State: CA

Complaint narrative:
I purchased a {$2500.00} Tv with website XXXX that used a retailer named XXXXXXXX XXXX and paypal as the merchant bank, this was back in XXXX, XXXX. I had issues with the merchant XXXX XXXX, I placed a charge back with my bank. The merchant XXXX XXXX  agreed to work with me and asked me to cancel the charge back. I cancelled the charge back but the merchant states that PayPal bank refuses to close the charge back case from early XXXX, XXXX XXXX  XXXX and PayPal Bank are refusing to refund me the money. I have reached out to my bank and they have done internal review to prove there is nothing they can do and case is closed on my end. Merchant states they can not issue a refund check until PayPal closes case and PayPal refuses to discuses case with me. Merchant states PayPal is giving them the run around as well. 
PayPal Banks behavior is poor and unprofessional.

Company response to consumer: Closed with explanation