vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-22 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble getting information about the card
Company: Incomm Holdings Inc.
State: TX

Complaint narrative:
I bought a {$500.00} VanillaGo visa gift card ( ending XXXX, Card issued by The XXXX XXXX  pursuant by a license from Visa USA Inc. Card is distributed and serviced ) at XXXX  in XXXX XXXX TX and I was able to check balance. Recently I checked the card again and it was not active. I paid {$500.00} for the card and I made at least 3 phone calls now about the card, it was very painful and frustrating process. 

I called on XX/XX/2020. The customer service representative told me that he will send email to " back office '' and ask them why it was not activated and he said the card should be activated in 48 hours. 

On XX/XX/2020, I checked the balance again and still shows the card was invalid and not active. So I had to call the customer service again. 

A lady took the call and said she will send email to back office and she was not clear on why the card was inactivated and she had no idea if the card was activated when I purchased the card. 

She said I would expect a phone call and I told her that this is a scam and the card issuer tried to steal my money, which is true. 

Now still unsolved, the quality of their customer serves was declining sharply during the last few months.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
Recently I paid {$3200.00} on XX/XX/2020 towards my Apple credit card. The amount did not go through because I had insufficient funds. So I made another payment in the amount of {$3000.00} on XX/XX/2020. It is now XX/XX/2020 and they have not withdrawn the funds from my account. I contacted Goldman Sachs today to figure out why the money has not been taken out of my account, and they said that it takes them longer to process payments after a payment has been declined. Additionally, they said that the money would not be withdrawn until XX/XX/2020 when more interest and late fees can accrue if the payment is declined. The bank said they were unable to assist me by withdrawing the money from my account sooner than later. My credit card account reflects my paid amount so I could overdraft if my payment is declined and I am not aware that the payment has been taken out of my account. I fully expect to have sufficient funds but feel it is fraudulent to do this to someone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 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: National Credit Systems,Inc.
State: TX

Complaint narrative:
I have sent a debt validation letter and 3 609 dispute letters explaining to the creditor that the fees assessed are incorrectly reported on my credit report. Please see attachment for the original lease agreement, security deposit deductions, and final account statement. These charges have been invalidated and are in accurate. Not only has the creditor failed to provide proof of the alleged damages, the charges do not match with the security deposit deductions provided with the original lease. Please also note that the reletting fee listed on the original lease does not match the final account statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 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 — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: VA

Complaint narrative:
I was traveling home from XXXX went through XXXX and was forced to make charges on my credit cards {$1800.00} Discover approx. {$1800.00} XXXX  XXXX XXXX. A man posed as XXXX/taxi driver, another guy jumped in at airport and we picked up a third man later. Pretty sure the men put something in my drink during the evening and when I asked to leave was told I could not basically I was XXXX. I did not have working cell phone because it was turned off while I was in XXXX. The 3 men made me buy nearly XXXX of some sort of tickets/cards from two separate gas stations and tried to get me to take more money directly from the cards using ATM before finally taking me to the airport to catch my next flight. I never touched the items bought, the three men kept all of the cards/tickets! Filed reports with Dept of State contacted Credit card companies to let them know situation. My flight originated in XXXX and landed at XXXX on XX/XX/XXXX at XXXX XXXX at approx XXXX XXXX local. My next flight XXXX was scheduled to leave XXXX at XXXX XXXX on the XXXX. The credit card company asked me to contact the XXXX police which I did XX/XX/2019, XXXX Police ref # XXXX. In short the credit card companies Discover & XXXX  XXXX XXXX are billing me for unauthorized charges, I did not authorize three men posing as XXXX/taxi drivers to force me to give them me credit cards and steal the items. I am XXXX and the credit card companies Discover & XXXX  XXXX XXXX are charging me fees, late charges on the unauthorized charges and ruining my credit. I was deployed to XXXX beginning XX/XX/2019 and just came off of XXXX orders. Any help you can offer would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
Our house had damage during Hurricane Sally. Our insurance company issued us a check for cleanup. This check was sent to our mortgage company for their endorsement. It was signed for and received on XXXX XXXX. We sent a couple of emails with no response. We called a couple of times and was told each time it was at the " endorsing department ''. As of today, XX/XX/XXXX, we have STILL not received our check back. We have tried to work with them but taking two weeks to turn around a check that is for cleanup of our home is ludicrous.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated
State: GA

Complaint narrative:
At first, i wasnt good using smartphones. I was told that i could recieve money from the dept of labor and some friends of mines ( which I thought was a friend used my phone and and card without my authorization. I HAVENT RECIEVED NOT ONE DIME!!! Now that ive learned how to go online and check the status and do my claims on my own, inoticed that it was money deposited multiple times on XX/XX/2020 for XXXX. I BEEN STRUGGLING ALOT AND THAT MONEY WOULDVE HELPED ME OUT ALOT. NOW IM BARELY MAKING IT AND I JUS WANT JUSTICE FOR MY MONEY.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I began the complaints on XX/XX/2020 at my local branch- Regarding the closure of 3 accounts ( 2 personal checking and 1 business checking ) -- -- -- -there has been a " protracted and unexplained '' hold & release of funds for weeks- beyond 5 days originally promised- Have repeatedly requested 1 ) Final Statements 2 ) list of interim transactions 3 ) 3 cheques made out to me ( 3 active balances ) -- -- -- -- ZERO response from branch or the respective Regional managers- Bank is SUN TRUST LLC ( XXXX  ga ) I am at a Florida Branch -

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 2020-10-22 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: GA

Complaint narrative:
Yes I recently noticed missing money from a cash app card. Their was no record of the missing money and nothing showed on transactions. The amount available was just missing the funds. I went back and started adding up transactions and found more money missing. I contacted cash app support and through E-mail only was able to find out after several E-Mails on their end they said account showed a business account and had been converted. On my app it showed personal. They stated a additional 3 % per transaction was taken for a business account. I ask for any information on how or when this took place and no information was or could be provided. They simply said it was converted back to personal. I explained I didnt convert it and ask for mire information again on how or when this could have happened and a record of how much was taken. They stated no information could be provided. I ask to speak with someone and was ignored. Their is nothing on app or online showing anything about any of 3 % taken from the account. It was just missing from available funds. They wont answer any questions and will not refund any missing funds .. To me not showing money taken or not being able to get any information on when a account was converted or even a record of deductions is a very fraudulent thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: WV

Complaint narrative:
I signed up for Experian Free monitoring. They won't cancel my account. I signed up online, but they do not allow me to cancel online. I am forced to call. On XX/XX/2020, I called and had a long hold time. They refused to cancel because they claim a system update. They told me I need to keep calling them until they decide they are able to cancel my account. I contacted a supervisor named XXXX who hung up on 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 2020-10-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CMI Group, Inc.
State: FL

Complaint narrative:
My XXXX  account was turned over to a Collection Agency for none payment of a bill I was unaware of. I paid the Collection Agency just so they would mark it as paid and show on my credit report. However it is still showing as an uncollected debt on my credit report. I will dispute these charges myself personally with XXXX, but frankly the small amount owed isn't even worth my time.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I mailed out letter, police report, and FTC report on XX/XX/20. It has now passed 30 days. No response from creditor. They are still reporting fraudulent information. Per FCRA they have to remove fraudulent 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 2020-10-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
An account with its first six digits " XXXX '' was opened and shown in my credit reports on XX/XX/2020, with a credit limit of {$1000.00}. The report says it's a XXXX XXXX XXXX XXXX card, but I verified with XXXX that it's not my account. This was not done by 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 2020-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
An account with its first six digits " XXXX '' was opened and shown in my credit reports on XX/XX/2020, with a credit limit of {$1000.00}. The report says it's a XXXX XXXX XXXX XXXX card, but I verified with XXXX that it's not my account. This was not done by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 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: NY

Complaint narrative:
An account with its first six digits " XXXX '' was opened and shown in my credit reports on XX/XX/2020, with a credit limit of {$1000.00}. The report says it's a XXXX XXXX XXXX XXXX card, but I verified with XXXX that it's not my account. This was not done by 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 2020-10-22 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: PA

Complaint narrative:
I attempted to resolve this issues with creditors and company. I explained to the company that I was going through a divorce in XXXX prior to that I had an excellent payment record. 

1 ) XXXX XXXX  - late payments in XXXX, XXXX, XXXX, XXXX & XXXX of XXXX : 2 ) Late payments in XXXX, I was affected by XXXX   XXXX. 
In XXXX, I experienced a very difficult year, as my ex-husband and I was going through a divorce. Prior to our separation, we live jointly in the home and it was a mutual agreement that we would split all expenses 50/50 however, my ex-husband fail to meet his financial agreement. I was required to pay all expenses in full which was a huge adjustment for me at that time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
I mailed out letter, police report, and FTC report on XX/XX/20. It has now passed 30 days. No response from creditor. They are still reporting fraudulent information. Per FCRA they have to remove fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: The Best Service Co.,Inc
State: CA

Complaint narrative:
I mailed out letter, police report, and FTC report on XX/XX/20. It has now passed 30 days. No response from creditor. They are still reporting fraudulent information. Per FCRA they have to remove fraudulent 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 2020-10-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: CA

Complaint narrative:
Jefferson Capital Systems , LLC, a national debt collector, is attempting to collect on a debt that has been processed and accepted by XXXX, an insurance company. The alleged debt arises from XXXX XXXX in the amount of {$4000.00} for four devices and on months service with late fees ( two phones for {$680.00} each, two tablets for {$760.00} each and one hotspot device for {$85.00} ). The telephone numbers and corresponding insurance claim numbers associated with each device are XXXX claim number XXXX for an XXXX, XXXX claim number XXXX for an XXXX, XXXX claim number XXXX for an XXXX, XXXX claim number XXXX for an XXXX, and XXXX for the service on the hot spot device which I own. I tried to pay the {$85.00} for the one month of service with late fee, but I was told by XXXX that the account ( account number XXXX ) had been forwarded to collections. I then informed XXXX XXXX that they are attempting to collect twice and are double dipping while committing at least two criminal acts of wire fraud and insurance fraud as well as violating State and Federal debt collation regulations and laws. I have elected not to have my devices replaced after the claims were accepted by the insurance company and, as such, XXXX had billed me for and placed charges on my account for the replacement devices which has now been forwarded to this collection agency. While I understand the norm is to replace the devices and then bill the account for the newly replaced devices that is not the case in this instance. Therefore, no money is due by me for the devices that the insurance company paid out on. XXXX XXXX has sold the debt associated with my account to this collection agency for an undisclosed amount and the debt collector is now trying to solicit payment on a debt that, except for the {$85.00}, has already been, or should have been, satisfied. In resolution of the double dipping attempt by this collection agency I would like full forgiveness of the debt by both the collection agency and XXXX XXXX along with updated credit reported data provided to all credit reporting agencies. I would also like this CFPB complaint to be sent to the appropriate State and federal regulatory agencies for a thorough and complete investigation to determine if this practice and type of behavior by the companies involved is the norm as a matter of ordinary business practices including, but not limited to, the XXXX XXXX XXXX XXXX ( XXXX  ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I mailed out letter, police report, and FTC report on XX/XX/20. It has now passed 30 days. No response from creditor. They are still reporting fraudulent information. Per FCRA they have to remove fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I was charged by a company ( XXXX ) for {$16000.00} on XX/XX/XXXX and the transaction posted on the XXXX. I called in on the XXXX to report the transaction since I didn't do it. I have done business with them in the past but not for {$16000.00}. All my other transactions were under {$500.00} with that company. I have contacted the company for a refund but they won't give me one. I have not received a product or my money back from Bank of America. I filed a claim and they said that I authorized the transaction which is false. They advertise {$0.00} fraud liability but now I'm out of {$16000.00}.

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 2020-10-22 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: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
I leased a vehicle through GM Financial Leasing. I returned my vehicle in XX/XX/2020. My final billing was sent for {$880.00} which includes the {$490.00} Disposition Fee and {$390.00} for Excess Wear and Tear. When I leased the vehicle through GM Financial, I purchased Excess Wear and Tear coverage to cover any extra fees at turn in such as the {$390.00}. I was not aware of having to file an insurance claim which I did. As a result, GMC received two checks. One personal check for {$490.00} and another check for {$390.00} from the insurance company. Both checks were received in XXXX by GM Financial, GM confirmed they received both checks, but one has yet to be applied to my account. It came to my attention at the beginning of XXXX that GM Financial reported my outstanding balance to the credit agencies dropping my credit by almost XXXX points. GM Financial wrongly reported me. I have talked with them multiple times weekly, with also asking to speak to a manager/supervisor, always with a response that one will have to call me back. I finally received a follow up call today but with the same response that they will research my account. This is having an impact on my personal life as I am trying to get a loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 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: CA

Complaint narrative:
I mailed out letter, police report, and FTC report on XX/XX/20. It has now passed 30 days. No response from creditor. They are still reporting fraudulent information. Per FCRA they have to remove fraudulent 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 non-monetary relief