vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Frontline Asset Strategies, LLC
State: TX

Complaint narrative:
My final payment was made to XXXX  on XX/XX/2023 in the amount of {$130.00}. I called and closed my account on XX/XX/2023 and was informed by the representative that I had paid my balance in full and didnt owe any other payments. 
I received notice from XXXX that my score has been impacted because I had a bill sent to collections by Frontline Asset Strategies. I called XXXX today and spoke with XXXX ( reference # XXXX ) who informed me that I should have received a final bill in the mail in the amount of {$830.00}. I informed her that I had proof in my e-mails that I was registered for paperless billing so I should have received an email for that bill instead of postal mail. 
Not only was the final bill sent to the incorrect address but I was also never notified that my bill was sent to collections nor did I receive any form of communication by the collection agency that my bill was received by them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: IL

Complaint narrative:
I submitted a {$20000.00} payment to EdFinancial to start paying down my current XXXX  school loans. They took the money out of my account but only applied around {$4500.00} to one of my two XXXX school loans. The rest of the money has not been applied and mysteriously disappeared. Not only that. They deleted the place where it would show in " recent payments '' .I do have a screenshot of the recent payment before they deleted it. I also have a screenshot of the money being taken out of my bank in a bank statement as well as a screenshot of a payment confirmation that EdFinancial sent me through email with a payment confirmation number. They have basically stolen {$15000.00} from me at this point because they have not provided me insight as to why {$15000.00} out of my {$20000.00} payment towards my XXXX loans went missing. I have tried emailing them as well as calling them with ZERO answers. I would appreciate some help with this issue and if there is any more information needed from my end, I am open and willing to provide that information. I appreciate your time and am hoping you can help me get this situated because {$15000.00} is not a small amount of money to go missing in thin air.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I responded to an ad on XXXX for a metal detector. I was sent pictures and a serial number to verify and sent partial payment on XXXX of {$100.00} through XXXX  from my chase checking account. The seller said the shipping fees were more than expected and that they did not have the funds to cover it so I sent another {$75.00} the same way on XXXX. All these payments were sent to XXXX through XXXX. I have emailed this address and gotten a reply with a picture of an ID etc saying they were victims of the scam too. I spoke with chase and they said they could not refund me the money since I initiated the transfer even though it was under false pretenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc.
State: AL

Complaint narrative:
Comenity bank over stock. Is sending me threatening phone calls. I am having financial difficulties at the moment. But they refuse to work with me to lower the interest payments or payments. I've been making smaller payments to try to keep my account from going further behind. I have set up a payment of {$37.00} for XXXX. I have set up a {$47.00} payment for my XXXX XXXX account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
As a Citi credit card customer I received on my personal email an offer to open a Citi checking account and meet a set of activities, here is an excerpt from the offer email : " EARN UP TO XXXX XXXX  bonus miles* after completing the following required activities : 1-OPEN a new checking account and enroll in the offer the same day before XX/XX/2023 XXXXSPEND the required minimum amount on purchases using your Citibank Debit Card within 90 days after account opening 3-MAKE at least 2 Enhanced Direct Deposits totaling {$1000.00} within the first 90 days of opening your eligible checking account within the same 90day window 4-YOUR XXXX  bonus miles will be credited to your XXXX  account within 30 calendar days from the date you complete all required activities '' I have met all required activities on XX/XX/2023 and was expecting the miles to post up no later than XX/XX/2023. I have been unsuccessful at getting Citi to post the miles to my account in a timely fashion and simply honor the terms of the offer despite numerous calls to incompetent customer service agents and supervisors from 3rd world call centers. 

I had no other solution but to request consumer protection in this case to defend my rights.

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 2023-09-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

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 non-monetary relief
Consumer complaint received 2023-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
My account has been compromised and my money is not accounted for. Inaccuracy on my account with a balance of {$0.00} I don't have my account number but I have my social security number XXXX My date of birth is XX/XX/1996 Ga state Id number is XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Arcadia Holdings, LLC
State: PA

Complaint narrative:
Delete all errors on credit report and my scores

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I received an email from CapitalOne on Thursday night thanking me for my application but I did not apply for anything. It is now showing up as a hard inquiry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
This debit was dismissed by a judge. I won the judgment against this creditor in XXXX and also in XXXX. I would like this account removed from my credit report immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
Delete all errors on credit report and my scores

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
Delete all errors on credit report and my scores

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09 00:00:00
Product: Credit reporting 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: NJ

Complaint narrative:
I received an email from XXXX on Thursday night thanking me for my application but I did not apply for anything. It is now showing up as a hard inquiry.

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 2023-09-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
PayPal platform does not inform you that they have placed a hold on your account clearly and misleadingly allows you to send an invoice to your client and receive payment in their system, then not allowing access to the funds. Further the system misleadingly shows funds are " available '' and when you try to transfer to your bank, it only says " Sorry, somethings not right. Please try again later. " At no place it says that if you would send an invoice the funds would be not available until you resolve their issue. Nor it says that funds are limited. You have to search deep down the portal to find a small notification that there is a request to update information, which is not even clear how to do for a normal person. PayPal mislead us that we can invoice our customers and doesn't disclose clearly that funds might be limited. Then when submitting the answers they take 5 business days to answer, and if you didn't get it right to their liking - there is no-one to ask for advise as customer service says they have no access to the case or to any information and its handled by " an internal department ''. Each round of communication takes 5 business days and all this time you have funds frozen - that is damaging your small business. You can not pay suppliers, purchase inventory or even refund the funds to your customer! Very damaging to small starting entrepreneurs or businesses. When trying to tell the only customer support that is reachable on their 1-800 line, they say the company is too big to change anything in their procedures, nor will they care as they have XXXX customers and one customers problem is not going to make a difference. Well here I am a small business customer whose business is being damaged by misleadingly allowing to invoice my customers and having funds held for weeks, without a clear solution and this all only due to a small fix in verbiage of their own service description that would not need to be taken to the level of freezing our income source for over a month should the company have user friendly attitude and care for their customers. We feel robbed and held hostage and loosing our reputation towards our customers as the orders can not be fulfilled on time due to PayPal holding our funds and have no clue how long it will take them to release our funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I try asking information about the dept but wasnt ask if the dept would be removed for my credit report they kept going back and forth about it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

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 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 2023-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX I called XXXX XXXX regarding my XXXX credit card ending in XXXX. A representative XXXX  answered the call and enrolled me in a 90 day program for hardships. I asked more than once if my credit report could be affected specifically for 30 day derogatory reporting and he said several times no. He told me as long as my past due balance was paid within 90 days my account would be fine, return to current status with no negative credit reporting. I was extremely clear on my request and I asked several times. He even stated on that day that my account was 23 past due. I replied that the account was 29 days since the payment was due on the XXXX of XXXX to which he explained about statement dates and assured me the account was 23 days past due as of XX/XX/2023. Before I got off the phone with him I paid {$25.00} and he confirmed receipt of the payment. There was no amount given to me to enroll and he stated any amount was fine. Today my credit reports are reflecting 30 day derogatory marks. I would like these derogatory marks to be removed and the call with that XXXX employee to be pulled to listen to what I am staying as facts. I did call today and ask for a XXXX rep who submitted a claim on my behalf. 
I know my account is past due but I have always made my payment before the deadline and I only inquired about the hardship program because I received a notification on the XXXX app. Please note that none of my statements reflect a past due amount, only a minimum amount due so I have to either call to get that amount or reference past payments. In addition since the rep told me I had to make the minimum with 90 days, I even made an additional {$50.00} payment on XXXX XXXX XXXX. I would like this corrected please as I did exactly what the contracted rep stated.

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 2023-09-09 00:00:00
Product: Credit 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I filed a dispute with American Express nearly 9 months ago, regarding an unjust charge of {$8000.00} for a product that was never delivered. According to their contract, I should not be held responsible for charges if products are not received. However, not only did I not receive a refund for the {$8000.00}, but they also allowed the company to tack on an additional {$1000.00}. This situation has not only incurred further interest charges, but I've been tirelessly calling about it for the past 9 months. Each time, I'm put on hold for hours and promised assistance that never materializes. Just two days ago, I called again, and suddenly, " their systems were down. '' I was assured a callback within 24 hours, which, unsurprisingly, never happened. This ordeal feels like a huge scam, and I strongly advise against using this card. I demand a refund of my money!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Credit Karma, LLC
State: GA

Complaint narrative:
Since XX/XX/2023, I have not been able to access my credit score and credit report on XXXX XXXX. I have spoken with multiple customer care representatives both by phone and email numerous amounts of times. I believe my identity information may be compromised by this company as it relates to personal taxes. On XX/XX/XXXX, I emailed a response to the XXXX to let them know there is no reason why the company should not be able to retrieve my credit score and credit report information from XXXX and XXXX ; because my consumer credit reports are not frozen or locked. I called all major credit bureaus ( XXXX, XXXX, and XXXX ) to confirm this. I sent copies of the front and back of my driver 's license as well as copies of my social security card and a utility bill. I still can not access the details in my account. I was told to delete and create new accounts multiple times, with still no avail. Review included illustrations for more details.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: KS

Complaint narrative:
On or around XX/XX/2023, I paid my account in full to pay off the account, XXXX balance. Comenity Bank reciprocated by dropping my credit line from {$2200.00} to {$200.00}, so I called into customer service, talked with XXXX and closed the account. XXXX confirmed the closing of the account with an email. Comenity Bank now states that I am behind on my bill due to complicated way of charging interest ( this is the exact wording from the customer rep who would not identify herself ) and I owe them money. I refuse to pay this money until they show me there was any reason to charge me interest on a XXXX balance account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-09 00:00:00
Product: Credit 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: IL

Complaint narrative:
In Mid XXXX I completed XXXX balance transfer requests utilizing Citi Bank XXXX transfer system on their App. Again I made XXXX separate transfers XXXX was for {$490.00} to pay my chase freedom credit card ending in # XXXX. This transaction went fine and posted on XX/XX/XXXX -The second balance transfer was for {$490.00} as well to my chase freedom unlimited card ending in # XXXX. This transaction went through on Citi side and posted on XX/XX/XXXX as well, however it was never credited to my chase freedom unlimited card I have made at least XXXX phone calls to both chase and Citi trying to get this resolved to no avail I believe this to be an error with citi banks balance transfer app. I took a picture with my phone and it automatically reads the card and inputs it. 

On XXXX of my many phone calls to citi they stated that the payment was sent to an account ending in XXXX ... .my card ends in XXXX I was promised repeatedly that it had already been fixed and that I would see a credit and to wait for it to hit my account... ..it has not. 

I have even receive a physical letter from citi stating in has been fixed ( which I have included in my documents ) it has not been fixed to date Why is this so complicated... this has to happen all the time. 
I have spent hours on the phone with no results

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 2023-09-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Conduent Incorporated
State: IL

Complaint narrative:
To whom it may concern : I received child support money on the way to go program debit card, third-party of child disbursement center of Illinois. The amount of {$220.00} was supposed to be put on the card XXXX XXXX was put on there and also cleared the same day to go to my XXXX XXXX account as it was set up for an automatic transfer. 
However, this information was put in wrong either through the app which mine shows 10 digits. I cant see all of it or through the way to go program or through the bank not sure about the funds were never put in my bank account. They were put into a wrong bank account. I want to just received the funds that are due to me. I have attached a letter of the complete complete description. 

I am also be in charge an out-of-state fee to use ATMs or go into the bank to a teller. I have include paperwork to show that thats clearly states out of state and then I also have attached places in my area that are allowed to be used for that debit card and today as of XXXX XX/XX/XXXX. I was still charged a fee and I am still in State.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Since XX/XX/2023, I have not been able to access my credit score and credit report on XXXX XXXX. I have spoken with multiple customer care representatives both by phone and email numerous amounts of times. I believe my identity information may be compromised by this company as it relates to personal taxes. On XX/XX/XXXX, I emailed a response to the XXXX to let them know there is no reason why the company should not be able to retrieve my credit score and credit report information from Transunion and XXXX ; because my consumer credit reports are not frozen or locked. I called all major credit bureaus ( Transunion, XXXX, and XXXX ) to confirm this. I sent copies of the front and back of my driver 's license as well as copies of my social security card and a utility bill. I still can not access the details in my account. I was told to delete and create new accounts multiple times, with still no avail. Review included illustrations for more details.

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