vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Hi There, I was trying to make purchase online on XXXX as usual and then Citibank fraud dept. blocked my card and put account under review for unknown reason even though I was on call with then just to make sure the payments go through successfully. The first payment of XXXX went through and then remaining another XXXX was completely blocked by the Citibank. I was trying to take an advantage of 50 % discount and over by XXXX XXXX  PST XX/XX/XXXX, this negligence by Citibank had cost me about $ 20k for not being able to make a purchase. I was told the daily spending limit is XXXX and still was only able use XXXX out that. Thanks

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 2020-12-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
My bank accounts are constantly being used fraudulently as soon as I activate my bank cards. It's been going on for months..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13 00:00:00
Product: Credit reporting, credit repair services, 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I requested an updated Credit Report after changes were made to my report, Its been over 60 days and I have not gotten a response.

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 2020-12-13 00:00:00
Product: Credit reporting, credit repair services, 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: TX

Complaint narrative:
After changes were made to my Credit Report, I requested an updated one, but haven't gotten any response its been almost 90days.

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 2020-12-13 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: WA

Complaint narrative:
Dear Sir or Madam, I have been using MoneyGram service to send money to my family in XXXX for many years. 
Two months ago their the Web site asked me to submit my ID. I did, even though I don't feel very good about sending my ID to nobody knows whom. For unknown reasons, my American Driver 's license was not good enough for MoneyGram, they just declined it without any explanation. 
I called Customer Service, they were not able to explain to me what happened, and just keep asking me to take pictures of my ID again and send it to them. I did. Again, it wasn't good enough, so I have received an email about my account being terminated! Once again, no explanations offered.

I called Customer Service again, they reset my account, and then - correct, the same story again and again.

I just sent my ID photos again ( for the 4th time ), and
got same response.

I doesn't seem possible to figure this out with MoneyGram customer support, so I was hoping someone smarter could take a look at this situation. I am out of means to resolve it on my own. 
Thank you for your care, and have a great day

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
PayPal Payments XXXX To : XXXX Mon, XX/XX/XXXX XXXX XXXX XXXX  logo Dear Customer, There's a lot of choices out there but you singled us out and that means a lot. Thank you for placing an order with us. 



Transaction ID : XXXX Date : XX/XX/2020 Phone : XXXX XXXX XXXX Order Details Ttile Quantity Price Total XXXX Exchange x 1 {$470.00} {$470.00} Total : {$470.00} issue with the transaction? 
You have 24 hours from the date of the transaction to open a dispute. XXXX XXXX XXXX. 

********************* Above is a e-mail I received from PayPal (? ) I read it on Sat. XXXX XXXX. 
I have not responded to anyone about this. 
I really don't know what to do. I never in my life bought bitcoin. 
I remember using PayPal once in my life, I'm XXXX years old it could have been last year or 10 years ago. It scares me to even call the phone number listed above. I can't answer my phone now because of the scammers. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, I get them all. Can you tell me if someone should be called? What should I do now?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13 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: CA

Complaint narrative:
This company continues to pull my credit report causing a hard inquiry on my report and dropping my scores I do not have this account and this account is not on my credit report but for the past 2 years Ive been having to dispute this company pulling my credit and when Experian removes it the company pulls it again.

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 2020-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I have a XXXX XXXX credit card that I have never used. XX/XX/2020 I called customer service to ask for an annual fee waiver and close the account. The representative agreed to waive the fee and suggested to keep the account open and to increase my line limit. I accepted the Rep deal. I just found out that I am overdue and my credit score was hit with a XXXX points drop. XX/XX/2020 I called the customer service line, spoke to an agent # XXXX named XXXX. I explained the situation and was told that the fee waiver was not granted later after it had been accepted. I asked XXXX to have XXXX XXXX to submit a dispute over the credit reporting agency to fix my credit score but she said we can not do that. I asked to speak to a manager but she kept me holding on the phone over 45 minutes and she kept telling me I am still waiting for her supervisor. I believe that it was not my fault to have my credit score hit. I feel that XXXX XXXX did unfairly treated me. Please see the attached image that show that they waived and came and charge back again. I already paid the past due amount and submitted a dispute with Equifax already. 
I look forward to have a follow up on my complaints. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13 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: MD

Complaint narrative:
The account is not mine. No proof given that it was my account. XXXX and XXXX have deleted the account because it is not mine. The collection agency has not sent any of the requested documentation to me, proving this is my account. 
The collection agency is XXXX XXXX XXXX. I have contacted them directly, and they are refusing to remove the item. I also contacted Equifax by phone and mail disputing this account and I have not received any documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I wrote all three credit bureaus in XX/XX/XXXX about a bankruptcy they have on my file that was filed in error, I have provided proof of that and XXXX XXXX has removed this information from their files which was also provided to the bureaus as well. They are in violation of my right to an accurate credit file. They have verified nothing and this information needs to be deleted. I have written several letters since XXXX bringing this error to their attention. As a last resort I am filing a complaint and will consider legal action if they do not comply.

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 2020-12-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC
State: NV

Complaint narrative:
Please reference previous CFPB complain # XXXX SEQUIUM ASSET SOLUTIONS , LLC XXXX XXXX XXXX XXXX, GA has had more than adeqate time to investigate the grossly inaccurate information which they are consistantly reporting, irregardless to it's inaccuracy monthly to all three major credit repositories an as a result has caused me injury. On XX/XX/XXXX XXXX XXXX who works in the interest of SEQUIUM ASSET SOLUTIONS , LLC informed Consumer Financial Protection Bureau that she would be responding to my complaint in 10 business days. It is now XX/XX/XXXX and no follow up has been provided nor has my credit file been corrected by the removal of this inaccuracy. 

Furthermore, shortly after filing my initial complain to the Consumer Financial Protection Bureau, I contacted XXXX XXXX and spoke to a billing specialist who confirmed that a Cable Modem was returned in my name back to XXXX XXXX back in XXXX at one of their retail stores and was curious as to why a credit was not issued to my account. 

The representative told me that they would have to investigate the error and update my previous account accordingly. Please note, that before moving out of my former residence, I was not paying any equipment fees for several years and the XXXX XXXX billing representative confirmed that with me. She said that if I owned equipment, I would be charged a monthly rental fee. 

I also provided to CFPB by way of an attachment in a previous complain " XXXX '' my final PAID bill from XXXX XXXX which I received via email prior to moving out of my former residence. 

I DO NOT OWE XXXX XXXX any money. 

I have been dealing with this issue for several months now and no remedy have been provided nor any law enforced. As a consumer who is protected under the law of the State of Nevada and Federal law. I asked that the Consumer Financial Protection Bureau act under the full power of authority to assist in the timely removal of this inaccuracy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
AMEX reversed $ XXXX of credits that were earned, so with no explanation. I called in about it, was told back office did it, but they did not leave any notes. 

This is a massive theft of legitimately earned cash back. 

I have attached the downloaded statement showing this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I wrote all three credit bureaus in XX/XX/XXXX about a bankruptcy they have on my file that was filed in error, I have provided proof of that and XXXX XXXX has removed this information from their files which was also provided to the bureaus as well. They are in violation of my right to an accurate credit file. They have verified nothing and this information needs to be deleted. I have written several letters since XXXX bringing this error to their attention. As a last resort I am filing a complaint and will consider legal action if they do not comply.

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 2020-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I wrote all three credit bureaus in XX/XX/XXXX about a bankruptcy they have on my file that was filed in error, I have provided proof of that and XXXX XXXX has removed this information from their files which was also provided to the bureaus as well. They are in violation of my right to an accurate credit file. They have verified nothing and this information needs to be deleted. I have written several letters since XXXX bringing this error to their attention. As a last resort I am filing a complaint and will consider legal action if they do not comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13 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: TX

Complaint narrative:
XXXX was made aware that they were violating 15USC A 1681 2A ( i ) & 15 USC 1681b ( 2 ) with previous affidavits. After further investigation, I as the consumer discovered there are 103 Inquiries fromXX/XX/XXXXto XX/XX/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 2020-12-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response. I feel like Im being taken advantage of, and my disputes are being ignored. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those accounts from my credit report. It has been 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will be seeking litigation due to the stress this has caused me. My information was also impacted by the XXXX data breach and may have fell into the hands of the wrong person.

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 2020-12-13 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: TX

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response. I feel like Im being taken advantage of, and my disputes are being ignored. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those accounts from my credit report. It has been 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will be seeking litigation due to the stress this has caused me. My information was also impacted by the Equifax data breach and may have fell into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response. I feel like Im being taken advantage of, and my disputes are being ignored. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those accounts from my credit report. It has been 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will be seeking litigation due to the stress this has caused me. My information was also impacted by the XXXX  data breach and may have fell into the hands of the wrong person.

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 2020-12-13 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: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
A fraudulent derogatory account remains on my credit report after repeated attempts to have it removed. I have never conducted business or come into any verbal or contractual agreement with LVNV FUNDING! Per FDCPA XXXX5 USC1692, I demand these accounts to be removed from my credit report, as it is illegal and slander. LVNV FUNDING Account numbers : XXXX account XXXX. I am constantly harassed, with false lawsuits, and constant phone calls! I cant hardly cope with life because of this erroneous defamation of my character and threats to my livelihood! Help me please! Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13 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: Nevada Credico, Inc.
State: NV

Complaint narrative:
XX/XX/2015 Quantum Collections tried to say I owe a debt. I hired the credit people to dispute this account.

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 2020-12-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I requested for items to be investigated via mail and they have refused to perform the investigation. 
Please delete the items on the attached letter from 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 explanation
Consumer complaint received 2020-12-13 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: Convergent Resources, Inc.
State: NV

Complaint narrative:
XX/XX/2018 Covergent Outsourcing reported I owed a debt. I hired the credit people to challenge and dispute this debt.

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 2020-12-13 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I HAVE DISPUTED THESE ACCOUNTS OUTSIDE OF THE CFPB AND HAVE YET TO GET FEED BACK ON REMOVING THESE ACCOUNTS THAT DO NOT BE LONG TO 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 2020-12-13 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I HAVE DISPUTED THESE ACCOUNTS OUTSIDE OF THE CFPB AND HAVE YET TO GET FEED BACK ON REMOVING THESE ACCOUNTS THAT DO NOT BE LONG TO ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I HAVE DISPUTED THESE ACCOUNTS OUTSIDE OF THE CFPB AND HAVE YET TO GET FEED BACK ON REMOVING THESE ACCOUNTS THAT DO NOT BE LONG TO 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 2020-12-13 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: CL Holdings LLC
State: NV

Complaint narrative:
XX/XX/2016 {$280.00} was reported to my account as my debt. I hired the credit people to dispute this account.

Company response to consumer: Closed with explanation