vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
repeatedly illegally denied credit. its always one of the following : 1-using resold data to claim score isnt clean, 2- nothing can be verified ( there was a nexis purge- that over purged data 12mos ago-they will not put in current info ), 3- denial based in regards to other matters never mentioned. 

3x now I have been denied credit or a bank account. My ID has been stolen, my mail stolen over 12 from a residence in XXXX, tn a year ago. My " landlord '' was stealing my mail and misdirecting it. Credit bureaus have refused to fix my reports since, claiming I lived where I have never lived. I can not prove address Ive never lived at. You cant prove a negative. 

As such my credit files DO NOT accurately reflect - 1- payment history, 2-address and other info about me -- which in this case is being used to deny accounts. I have asked XXXX under federal statutes to fix this mess- they are acting like a TS SCIF investigation office at OPM- demanding 5+ years of info from me -- instead of purging 5+ years of information from thier ILLEGALLY COLLECTED DATABASE. 

I demand all companies and bureaus and those holding any credit files to purge all data collected. This data is NOT appearing in the 3 main bureaus for good reason. Any other source is being used as extortion to force payment when there is no legal recourse or reason for the consumer to do so, given they will continue to be extorted. 

citi repeatedly uses old data resold to them each time an inquiry is made. They never request updated info. 

XXXX XXXX  has gone so far out of thier way to ruin me- they claim im a bad banking customer in so many words. I have had XXXX balance with them over 8 years- my disputes were due to VISA network compatibility overseas. All debts were counterclaimed and prviously resolved- yet- they insist that I bank badly and owe them money. I DO NOT.

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 2019-03-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: TX

Complaint narrative:
On XX/XX/19, my tax refund was sent to cash app account and deposited in the amount of {$11000.00}. Once the funds was made available in the cash app screen, I made one transaction to move {$51.00} from my cash app account to another cash app acount. It was accepted but customer could not use the funds applied. Then I moved tried to send money again and my card was disabled right after the first withdrawal was made. The next day XX/XX/19, my payroll check in the amount of {$370.00} was deposited and company stated that wouldn't be able to receive or send deposit because account was closed. I have been emailing customer support since XX/XX/19 and got a response from them on XX/XX/19 just confirming to me that the account was closed and I needed to contact my tax preparer to get funds recalled on their end. I reached out to tax preparer and the bank that issued the tax refund and they said that cash app had to reject the funds in order for a check to be reissued. Since cash app allowed the funds to deposited into the account and it shows up on the account its nothing they can do until the funds are rejected. I have filed a claim with IRS tax preparer bank, XXXX and now you all. You can only email customer support can't talk to anyone directly but XXXX is the representative who I have had correspondence with.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05 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:
XXXX is reporting inaccurate information to consumer reporting agencies. XX/XX/2017 XXXX closed a account and charged off incorrect balance. XXXX charged off a account as {$19000.00}. This is incorrect according to the surplus and deficiency letter obtained by the XXXX. XXXX NEVER responded to any written letter of validation from me ( consumer ). XXXX refuses to delete even though they committed a FEDERAL CRIME by reporting false information to the IRS. I am contacting the IRS as well. They wrote off the inital price of the loan {$19000.00} instead of the approx 16k that was stated on the information XXXX provided the XXXX. This is tax fraud.

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 2019-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX is reporting inaccurate information to consumer reporting agencies. XX/XX/2017 XXXX closed a account and charged off incorrect balance. XXXX charged off a account as {$19000.00}. This is incorrect according to the surplus and deficiency letter obtained by the XXXX. XXXX NEVER responded to any written letter of validation from me ( consumer ). XXXX refuses to delete even though they committed a FEDERAL CRIME by reporting false information to the IRS. I am contacting the IRS as well. They wrote off the inital price of the loan {$19000.00} instead of the approx XXXX that was stated on the information XXXX provided the XXXX. This is tax fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX is reporting inaccurate information to consumer reporting agencies. XX/XX/2017 XXXX closed a account and charged off incorrect balance. XXXX charged off a account as {$19000.00}. This is incorrect according to the surplus and deficiency letter obtained by the XXXX. XXXX NEVER responded to any written letter of validation from me ( consumer ). XXXX refuses to delete even though they committed a FEDERAL CRIME by reporting false information to the IRS. I am contacting the IRS as well. They wrote off the inital price of the loan {$19000.00} instead of the approx 16k that was stated on the information XXXX provided the XXXX. This is tax fraud.

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 2019-03-05 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Herbert P. Sears Co., Inc.
State: CA

Complaint narrative:
A former contractor informed us that a check we sent them was never received. We placed a stop payment on the check and sent the contractor a new check. The previous check that was claimed as never being received was taken to XXXX XXXX XXXX  and this business cashed the check without checking with us ( the company ) or with the bank to find out that this check was cancelled and a stop payment was placed on this check. 

XXXX XXXX XXXX contacted us and informed us that the check was returned to them and they were unable to deposit it due to the Stop Payment. We informed them that they should have contacted us to confirm the check or they should have contacted the bank. They asked if we are going to pay the check amount of {$420.00} plus {$25.00} return fee for a total of {$450.00}. We informed them that we wont since it is not something we owe them. They sent us to collections because of this. 

On XX/XX/ 2019 a letter was sent from HP Sears who is a collections company. I received the letter on XX/XX/ 2019 and contacted them on the same day. There was a phone number on the letter with an extension. When I asked to be transferred to that extension, I was told that I can't be transferred and I need to just let her handle it. I gave her my account number and told her of the situation. She told me that I need a police report. I told her that there was no crime that occurred to me. She told me that's tough and she will mark my account down as " refusal to pay ''. This will in return hurt my credit.

After the call, I went down to my local police station to get a police report and I was told that I will not be able to get one as I don't have any information and no crime was committed to me. The officer said that the check cashing place would need to obtain a police report and not me.

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 2019-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
Hello, My name is XXXX XXXX. I am XXXX-year-old XXXX person. 
On XX/XX/2019 the XXXX XXXX  customers were transferred to the People 's United Bank. I had a free checking in the XXXX XXXX  and as an elderly person should have a free checking in the People 's United Bank too. On XX/XX/2019 I notices {$3.00} charge as service fee from my free checking. I wrote a message to the customer service of said bank and they said that every time when I use my debit card to pay bills online they will charge {$3.00} service fee for each transaction. Why should they charge any fees for debit card payments? Please see their answer to my email as following : Thank you for contacting us. In response to your inquiry, there is a {$3.00} fee for each Network Bill payment processed against your account. This appears in your account history as a NTWK BILL PYMT DB and was debited on XX/XX/2019 for {$38.00} from XXXX. 
Network Bill Payment is used by merchants when you have provided them with your XXXX card number for payments. 
You may wish to speak to the merchant directly in regard to how they process payments.

Although you are qualifying for free checking, ( this only waives the {$10.00} monthly maintenance fee on your Plus Checking account. It does not waive these types of fees. 
To avoid this fee, you may consider converting your account to an Advantage Plus Checking account. You would also avoid this fee if you make your payment via Peoples.com Online Banking. 
I am sorry, but because this fee is valid, I am unable to submit a refund. If you have any further questions, please let us know or contact us at XXXX. 
Thank you, XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Allied Collection Services, Inc. (Nevada)
State: AK

Complaint narrative:
I received a notice from a credit monitoring agency that Allied Collection Services had posted a debt on XX/XX/XXXX. I did not receive any notifications. Finally, in XX/XX/XXXX, I called Allied Collection Services to find out why they had neglected to send me any information. They told me that they had sent it out in XXXX ( false ). I told them to send it again. They told me it would take 2-3 weeks to get a package together to send to me. I asked why they needed 2-3 weeks when they've had the debt for over three months. They denied they had the debt in XXXX ; this time they said they just got the debt in XXXX ( false, and 2 1/2 months is still plenty of time to send a letter ). They told me they would send it out to me. It has been over a month and a half since I called, and they have not sent anything.

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 2019-03-05 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: MO

Complaint narrative:
I have an account that is showing charged off written off that is continuing to report with a balance as well as it being included in my utilization causing my UTI to be high on an account that I no longer have. Also each month this account reports as CO=charge off. Under the account history the XXXX is reporting monthly, however the amount is incorrect. The account is showing on my credit report twice with two different balances. There is an incorrect high balance amount. It's also showing past due when that is incorrect. On the Credit Report there is missing information. The terms and monthly payment is not on 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 2019-03-05 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Problem with customer service — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
I have been using money to XXXX to send money to family members as well as to use daily with my bills. Today I got an email stating they will be terminated my account with the balance of {$580.00} in it and after I keep emailing them that this was my rent money I tried to transfer to my wife. No one has replied there is not way I can contact anyone by phone and I just would like my funds. I am very upset because I can not 180 days for my money as this is an inconvience to my life. The person whom sent me the reply and is now non responsive is XXXX. Customer service cant help at all when they freeze your account this has been the worst experience ever.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I opened a Barclay Savings account, ending in XXXX, in response to a offer for XXXX card members for XXXX bonus points, it has been more than 60 days since meeting the $ XXXX balance requirements and 8 weeks since the promo ended on XX/XX/XXXX - I have still not received my points. I have contacted Barclays via secure email on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX - each time promised points would be added to account, they have not been.

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 2019-03-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: DC

Complaint narrative:
I am making a complaint about a debt that resurfaced from a new collection agency, after being cleared of this debt by the previous debt collector after being proved that the debt was not mine. This last resurfacing of this debt was on XX/XX/XXXX. This debt is supposedly originated on XX/XX/XXXX. 
It was taken off of my credit once before and is now back on again. This is NOT my debt. This debt is in the amount of {$680.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I reached out to this company several times, most recentlyXX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX, asking for proof of the debt and debt amount. I have received a statement from the collection agency each time that I send a letter, but not the original contract or itemized statement of amount owed from the original creditor. I have also disputed with the credit bureaus asking them to validate the debt, and it has remained the same each of the three times that I have disputed the validity and accuracy of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05 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: Ocwen Financial Corporation
State: CA

Complaint narrative:
On XX/XX/2018 As every liable consumer i have done my regular mortgage payment, The bank by mistake sent my mortgage payment to totally different institution confirming me wrongly that my payment was received and paid to my mortgage company, unfortunately it wasn't. After 30 days I did my next payment never had an idea my payments weren't went through. I've got reported by my mortgage company with late payments. Long story short I called to credit bureaus XXXX   XXXX, and XXXX Both XXXX and XXXX were cleared my credit report history with no any extra headache but XXXX won't clear. its been a year already still no luck with XXXX. Please give me an advice how to solve this issue i have all the legal documents, Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05 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: CA

Complaint narrative:
On XXXX 2018 As every liable consumer i have done my regular mortgage payment, The bank by mistake sent my mortgage payment to totally different institution confirming me wrongly that my payment was received and paid to my mortgage company, unfortunately it wasn't. After 30 days I did my next payment never had an idea my payments weren't went through. I've got reported by my mortgage company with late payments. Long story short I called to credit bureaus XXXX XXXX, and Experian. Both XXXX XXXX XXXX  were cleared my credit report history with no any extra headache but Experian won't clear. its been a year already still no luck with Experian. Please give me an advice how to solve this issue i have all the legal documents, 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
Consumer complaint received 2019-03-05 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: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
Resurgent Capital Services/ LVNV Funding LLChave expired/do not possess a valid license for Debt collections in the state of TN.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I have an account that is showing charged off written off that is continuing to report with a balance as well as it being included in my utilization causing my UTI to be high on an account that I no longer have. Also each month this account reports as CO=charge off. Under the account history the AB is reporting monthly, however the amount is incorrect. The account is showing on my credit report twice with two different balances. There is an incorrect high balance amount. It's also showing past due when that is incorrect. On the Credit Report there is missing information. The terms and monthly payment is not on the credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: HI

Complaint narrative:
I clicked on free credit score which eventually asked for {$1.00} to activate thus process. No where else did it say I would have a monthly charge from then on/ and monthly once getting that report, and why would I need them after getting that score? My bank statement showed in XXXX a dollar charge, and following that each month for {$39.00}, which was never stated anywhere I would be billed. I'm not one that looks at my bank statement, and live on a very limited income, but when my XXXX/ XXXX bank statement show I had innsifficient funds, charged a {$30.00} fee, cause I was still unaware Im being charged for somerhing I'm unaware of. I don't even know who this is, being not even familiar sounding like the credit score site. 
This is the only info. On my statement I have : 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 2019-03-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BB&T CORPORATION
State: KY

Complaint narrative:
Over the last 14 months I have been paying {$210.00} of which {$9.00} has been deducted from my payment, in XXXX of this year I called for a payoff and was given the runaround, First by a rep named XXXX and since then everyone else. I am now receiving letters from 3 debt collectors agencies all asking for the same debt and three different amounts. 

I have asked for a payment history and was told NO, I asked for an account audit and was told No and finally received a letter stating my payoff balance was {$5300.00} and because I had already paid {$2600.00} but was told I only had {$2500.00} available after {$100.00} had been taken as a fee on top of the {$9.00} fee I pay monthly so I sent a Cashiers Check for the balance owed on XXXX/XXXX/19 of  {$2700.00} which should have paid my balance in full, instead I am told that {$2500.00} of the {$2500.00} has been applied toward fees owed to the debt company and only {$84.00} will be applied to my balance on top of the {$9.00} paid monthly. And I still have A REMAINING BALANCR OF {$190000.00}, The company representatives especially XXXX ask very personal questions that are rude, insulting and offensive, I have paid {$530000.00} now I owe an additional {$1900.00} to three separate companies that are involved IT IS NOTHING MORE THAN HARASSMENT WHICH NEEDS TO STOP. 

As a veteran of this great country I am asking for your help in resolving this debt issue promptly, 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