vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I opened a dispute on XX/XX/XXXX with Citibank, N.A ( Case # XXXX ). that Citibank did not post a {$3400.00} refund by XXXX XXXX to my credit card on XX/XX/XXXX because of a cancelled cruise ( Covid ). I made a final payment for the cruise of {$3600.00} on XX/XX/XXXX for a total {$5600.00} charged for the cruise to XXXX XXXX. 

The following refunds to my account occurred on XX/XX/XXXX. 
XX/XX/XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX FL - {$110.00} XX/XX/XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX FL - {$110.00} XX/XX/XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX FL - {$240.00} XX/XX/XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX FL - {$240.00} XX/XX/XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX FL - {$240.00} XX/XX/XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX FL - {$240.00} XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX FL - {$240.00} XX/XX/XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX FL - {$240.00} XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX FL - {$520.00} Total XXXX But the {$3400.00} amount part of a trace number XXXX was missing. XXXX XXXX has confirmed that they released the refund of {$3400.00} as well but Citibank did not post it to my Credit card account. The Citibank dispute center released a document from XXXX XXXX confirming the {$3400.00} amount was refunded from XXXX XXXX 's bank to Citibank reference number XXXX. Citibank keeps trying to say the XXXX of refunds was part of the {$3400.00} even though XXXX XXXX has confirmed it is not on the phone and in writing. 

In XXXX, Citibank added {$1100.00} to my account for an unexplained reason. The dispute center has started telling me just wait 10 more days for 4th time in a row without providing a written update or cause. I have paid Citibank to cover amount not returned to my account. I last spoke to Citibank on XX/XX/XXXX and they said they still need to contact the merchant 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 2021-05-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
use citi bank promo bonus {$700.00} if i open account and deposit {$50000.00} and hold this funds for requre time.On due date my bonus wont appear on my account. Customer service agree that i met all terms, but they dont have authority to make decision.I feel betrade, played and disapointed that huge bank like this used my hard earn money to enrich themselves and not to keep theiroffer contract

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-04 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: OH

Complaint narrative:
I called today XX/XX/2021 the FICO, XXXX, XXXX, and Experian. I called XXXX, XXXX and Experian : who or company or organization is making my credit report to up or down. XXXX, XXXX and Experian basically call FICO. 

When I called FICO they told me about how the calculate my score but reused me who, what, why, how and what for because I think my e-oscar should be higher then what they are calculating. 

I would like to know who is making my credit score go up or down and how they calculating my e-oscar or any other software. I believe this a fundamental right whom is causing scores to go up or down.

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 2021-05-04 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: NC

Complaint narrative:
I have reviewed a copy of my credit report and I show company COLLEGE FOUN account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.

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 2021-05-04 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: NC

Complaint narrative:
I have reviewed a copy of my credit report and I show company COLLEGE FOUN account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.

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 2021-05-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Firstsource Business Process Services, LLC
State: MO

Complaint narrative:
On XX/XX/XXXX I went to the hospital to receive XXXX XXXX. At the time, My XXXX did not offer medical insurance so I had to pay out of pocket and subsequently applied for Bill payment assistance through the hospital. The hospital billed me for their service s within 3months and I was only able to receive minimal relief from the hospitals Bill payment assistance program. I paid the balance of the charges from the hospital in full before the end of XX/XX/XXXX. As far as I was concerned the hospital had been paid. 
On about XXXX XXXX I was contacted by phone from a debt collector claiming I owed an unpaid balance of {$260.00} for XXXX XXXX rendered by the hospital dating back to XXXX XXXX. The original date of my first and only visit to the hospital. 
So after speaking with this debt collector, who told me that our phone conversation would be recorded for purposes of collecting a debt, we had agreed that I would make the first installment of {$100.00} USD and it could be made online. A couple of days later I received a billing statement from their local office stating the name of the hospital and the full amount I owed including my account number of the debt collector and local address and phone number. So I went online to make the full payment but the website would only accept {$100.00} increments per transaction so over the course of 3 days ranging from XXXX I made the incremental payment amounts and on XX/XX/XXXX I paid the final amount of {$62.00} which should have satisfied the payment of the total debt of {$260.00}. However as I have went online to my debit card company and checked the amounts paid out to the debt collector it shows that my card was charged for {$330.00} to the debt collector with the most recent charge on XX/XX/XXXX. An overcharged amount. Whenever I called the local office a few miles away I talked with a service representative who said my account officer would be handling my issue, she hung up on me. So I called the parent office on XXXX XXXX located in florida and I was hung up on once again the call I made to Florida was placed at about XXXX XXXX their office closes at XXXX XXXX. Noone from the company is handling my issue and I keep getting hung up on. Whenever I called the hospital directly they have no record of My Bill being delinquent nor do they have any unpaid balances.

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 2021-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
We started a nonprofit and opened a Wachovia checking account XX/XX/XXXX. I still have the signed contract. There was to be no monthly fee. Then in XXXX of XXXX Wells Fargo ( changed from Wachovia ) started charging us {$14.00} a month service fee. However, unfortunately, there was a tornado that hit the house we were using for our nonprofit about that same time and our nonprofit came to a stand still, as a result we did not notice fees being charged as we were not active at that time. In XXXX of XXXX we started looking at starting up our nonprofit again and noticed this {$14.00} a month charge. We called Wells Fargo and they gave us six months of the fees back. I ask the gentleman if these fees were going to continue each month and he said no, we don't charge those fees to anyone anymore. I would be interested to know why they had no problem changing our contract and charging us the {$14.00} per month without any notice, but when they decided to not charge the fee they did not go back on their own and stop charging us. I was directed back to the branch manager for the rest of the money, that did not work so I followed the chain of command until I reached XXXX XXXX XXXX and he told me he was the last step and he could not assist.

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 2021-05-04 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: TN

Complaint narrative:
I have contacted all the Credit Bureaus/Agencies XXXX XXXX TransUnion XXXX and the creditor  XXXX XXXX XXXX XXXX XXXX involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature.

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 2021-05-04 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 have disputed the items circled in my attached report and they have failed to address these items in a timely manner. These items are unknown and need to be deleted from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
My identity has been compromised by somebody I do not know. Please feel free to contact me if you have any questions or concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 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: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I have received a copy of my credit report and it shows company JPMCB CARD  account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$7100.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
On XX/XX/2019 of collection reported on my account/collection letter sent to me, AD Astra add a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was No written form of communication, contract, or signature for this accused debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it's mines. According to the FCRA, XXXX XXXX XXXX has violated my rights as a consumer and im requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 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: GA

Complaint narrative:
I NOTICED FRAUDULENT ACCOUNTS ON MY CREDIT REPORT THAT I DID NOT OPEN. THESE FRAUDULENT ACCOUNTS ARE HURTING MY ABILITY TO OBTAIN CREDIT. I DEMAND THESE ACCOUNTS BE REMOVED IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Benworth Capital Partners LLC
State: IN

Complaint narrative:
I applied for a PPP Loan through XXXX on XX/XX/XXXX. On XX/XX/XXXX I received the paperwork to sign for the loan. On XX/XX/XXXX Benworth said they officially funded the loan and sent the funds to my bank account. According to the info I can find, I should have received it by now if they already sent it. The issue is that I haven't, and Benworth has NO way of contacting them. I've tried to contact them over the course of the last 8 days with questions in regards to the process, and they say they'll respond within 2 business days however, I haven't received a response not once. 

Their phone numbers all say the line is busy and you can't get through. I got a phone number and an email from the XXXX themselves and no response. They already have my information, the XXXX says they already dispersed the loan to Benworth which makes me officially on the hook for it, but Benworth has not sent it and, again, I have no way of contacting them. Which means that if I can't contact them, ppl who have mortgage loans/etc can't contact them either which creates a HUGE problem. Any assistance would be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
How did BOA allow an account to open without signature card. Then it took several attempts to get signatures added. Now we need to change the signatures, but BOA keeps changing the rules and forms required. I have been attempting to update the signature card since XXXX .... its now XXXX and the bank has informed us yet again that the forms THEY SENT are not accurate.

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 2021-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: NV

Complaint narrative:
I have my own business and have had for several years. As a business owner affected by the COVID 19 pandemic, I took advantage of the Paycheck Protection Loan for myself as an employee. When my funds deposited, I was told by the teller that the deposit " did not look right ''. Additionally, a bank employee went out to my car to take down my license plate number. I have been banking with this credit union since 2018. Needless to say, i felt profiled because I am XXXX american. Funds were frozen and XXXX being sent back to the XXXX Every time that I provide what is requested of me, I am told to provide something else. I have already signed a promissory note legally.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP
State: CT

Complaint narrative:
The simplest way to describe what happened is to upload the letters we sent to Key bank describing our frustration and dissatisfaction. Their XXXX client relations executive ( XXXX XXXX. - he wouldn't give us his last name ), sent us the attached letter saying our accounts ( 5 of them XXXX would be closed on XX/XX/XXXX ( just 6 business days from now XXXX. His failure to deescalate the situation will result in our having to switch to a new bank and has no regard for our vendors and more importantly our XXXX employees who will have issues with their checks. 
Are Federally chartered banks able to disrupt commerce this way? 
Because our accounts were compromised in XXXX, at the banks request, we were told to open new accounts for which we spent {$1000.00} on new checks etc. Now they want to close the accounts - I want that money from them!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 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: NC

Complaint narrative:
I have received a copy of my credit report and it shows company XXXX XXXXXXXX account XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$640.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 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: NC

Complaint narrative:
I have received a copy of my credit report and it shows company XXXX  XXXX account XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$640.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

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 2021-05-04 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: Paypal Holdings, Inc

Complaint narrative:
On XX/XX/XXXX my PayPal account got permanently Limited and thus I have been banned from conducting any business with PayPal, including withdrawing my outstanding balance of {$1200.00} on account using email address ( XXXX XXXX and there has been a 180 day hold on the money.I have been conducting regular business and Withdrawals through PayPal, no drastic changes have occurred on the account so I feel I was unfairly cut off by PayPal as they did not specify their reason as to why they have decided conducting any further business me would be a risk.This account freeze ha out a stop on my business I hope to have my account reinstated soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
SOMEONE STOLE MY PHONE AND MY WALLET AND ACCESSED MY ONLINE BANKING INFORMATION AND FRAUDULENTLY TRANSFERRED AND WITHDREW MONEY USING MY ACCOUNT. MY ACCOUNT IS NOW IN THE NEGATIVE. I AM NOT LIABLE FOR THIS DEBT. I REQUEST THAT NAVY FEDERAL REMOVE THE NEGATIVE BALANCES FROM MY ACCOUNT AND PROVIDE ME WITH A NEW BANK ACCOUNT NUMBER SO I CAN CONTINUE USING MY BANK ACCOUNT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Hello, When I made a payment of {$290.00} available credit was {$6000.00} and I'm sure I haven't used the card since then. I never could see my statement online or in any other way so I can't speak to what is happening but I assume the card number has been stolen from some hotel in XXXX, OR, or XXXX, AK. I would like the charges removed and my card brought back to {$0.00} balance. The card is missing it's possible room cleaning took it and has been using it since the time I made {$290.00} payment. I see I have bad credit now. I'd like my credit restored I've never missed a payment. Thank you. I tried to call paypal mastercard about this but wait time was an hour.

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