vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
After three years of XXXX and many problem merchants, I have reconciled my statements and confused with constant rebilling ( original transaction ) along with Purchase adjustment ( Credit for transaction ) I sent XXXX packages thru XXXX XXXX to XXXX, my luck all three packages lost and I asked XXXX XXXX Capital One for delivery receipts and I have NOT received any documentation to date of lost packages or acceptance by XXXX XX/XX/XXXX Statement XX/XX/XXXX Purchase Adjustment ( airline tickets ) ( {$200.00} ) XX/XX/XXXX Transaction Rebill XXXX I read this to mean no credit for this purchase XX/XX/XXXX Statement XX/XX/XXXX {$29.00} XX/XX/XXXX Transaction Date Post Date XX/XX/XXXX XX/XX/XXXX ( {$29.00} ) XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX Statement XX/XX/XXXX XX/XX/XXXX ( {$28.00} ) Thus it appears there was not a credit for both {$29.00} and {$28.00} (! ) XX/XX/XXXX Statement XX/XX/XXXX XX/XX/XXXX {$85.00} ( XXXX XXXX package sent ) XX/XX/XXXX XX/XX/XXXX ( {$85.00} ) Thus above transaction was paid and no credit given as requested XX/XX/XXXX Statement Trans Date Post Date XX/XX/XXXX XX/XX/XXXX ( {$64.00} ) XXXX Statement XXXX XX/XX/XXXX XX/XX/XXXX {$64.00} XX/XX/XXXX XX/XX/XXXX ( {$64.00} ) The above clearly shows a credit of {$64.00} XXXX Statement XXXX Trans Date Post Date XX/XX/XXXX XX/XX/XXXX ( {$85.00} ) XX/XX/XXXX XX/XX/XXXX {$85.00} XXXX Statement XXXX XX/XX/XXXX XX/XX/XXXX ( {$85.00} ) The above clearly shows a credit of {$85.00} Please clearly explain the process of rebill ( original transaction purchase (? ) ) and Purchase Adjustment ( credit? ) Why the many rebills which is very confusing and adding vagueness to understanding the monthly statements.

I hope afeter three years of COVID we can resolve all this and move on

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
Citigroup has violated federal law by not providing 5 years of statements ( eletronic or physically ) related to my 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 2022-12-10 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: Incomm Holdings Inc.
State: NY

Complaint narrative:
Hello I received two Visa debit cards from Vanilla as a gift. I opened both of them for the first time and prior to making my first purchase I found out that both my cards had fraudulent charges. One card had a fraudulent charge of {$50.00} and the other one had two fraudulent purchases of {$70.00} and {$25.00}. When I called the customer service number, it about 40 minutes to get in touch with a live agent. They have agreed to put both the cards and the related fraudulent charges under dispute investigation. This also makes the remaining balance on my cards inaccessible. This is terrible customer service and lack of security provided by Vanilla.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10 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: U.S. BANCORP
State: KS

Complaint narrative:
This is regarding a complaint I filed with US Bank Reliacard and the CFPB many times. The last complaint number was XXXX. 
As of today, US Bank Reliacard has still not refunded the money taken from my stolen government issued XXXX Bank card. I provided ample evidence that I was no where near the location of the purchases or ATM withdraws, including my precise GPS location. I have a sworn affidavit statement by another individual testifying that I was with them and no where near the area of the purchases or withdrawals. I proved without a doubt these were not my transactions. US Bank Reliacard still refused to pay. 
As of today, US Bank Reliacard has not yet provided me with the documents used in making their determination. Nothing. You can see that a monthly statement was provided by US Bank Reliacard, and this was what they claim to have based their decision on, however, this statement does not prove our even highlight what the decision was based on. There is no evidence within the monthly statement to support their denial. There is no evidence to support their claim that i benefited from the transactions. They claimed a pattern of use was a reason for their denial. There can not be a pattern of use established for the ATM withdraws that occurred at the XXXX Kansas XXXX XXXX because I do not use the credit union, Therefore the only pattern possible is the pattern of non use. My withdrawing occurs at the XXXX XXXX Bank. If the withdraw did not occur at the XXXX XXXX Bank only. Then it was not my withdrawal. There is great evidence to support my claims and none to support XXXX Banks claim. The fact that they still have not provided any actual evidence to support their claims in this long amount of time indicates to me that they have no evidence still. 
US Bank Reliacard advised that this matter is an issue to be resolved by the Kansas Department XXXX XXXX. It is not. I contacted the department of labor and they told me that " once the deposit is made to the card, the funds are no longer their jurisdiction. The fault lies with US Bank Reliacard. '' I am awaiting a written statement from the XXXX to provide you as proof of what they told me. I will get it to you as soon as it arrives here. 
US Bank Reliacard is bound by our customer agreement and is solely responsible for the remittance of my missing funds occurring from the theft of my XXXX government issued payroll card. They have an obligation to fulfill. I want my full dispute paid to me immediately.

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 2022-12-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: OH

Complaint narrative:
Transactions amounts, and dates can all be found on the attached file. 
I'm including the denial reason letter. Chime is full of it and refused to take care of unauthorized charges based on a deposit prior. Hello chime. Rejects were commenting on my direct deposit monthly from my v.a. XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10 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: EQUIFAX, INC.
State: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act Convergent Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. I have asked for the information to be deleted and not just and investigation with these accounts. Still violating my rights and must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Wells Fargo Bank has reached out predatorily by abusing relationships & reaching out to students in a predatory fashion to attempt to collect 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 2022-12-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
I am a XXXX XXXX XXXXXXXX in XXXX Wa. I am XXXX and semi retired. I took early Social Security but it's not enough to live on. I have XXXX XXXX that limit how much work I can do. Every job and every payment is critical to me. I have had my own XXXX XXXX since XXXX. I started using Paypal to except credit cards a couple years ago, but I try not to use it if I don't have to because of the fees. I have used it less than 10 times ever. I worked for an XXXX  woman in XXXX and billed her son in XXXX. He did not have a checking account so I sent him a link to pay with Paypal online. My total bill was {$620.00} on XX/XX/XXXX. The son went on vacation to XXXX and didn't get around to paying me until XX/XX/XXXX. On XX/XX/XXXX, Paypal deposited {$300.00} of this payment into my business checking account, but held back the remainder of the payment plus their fee. They gave no reason for this. I tried calling, emailing and texting them but not get through. I went to the Paypal facebook page and asked for help. That worked, Paypal transferred the remainder of my payment, less their fee {$320.00} on XX/XX/XXXX. I contacted Paypal and told them to cancel my account and did not use them again. Paypal did not close my account and still had my banking information. On XX/XX/XXXX Paypal deposited another {$300.00} into my business checking account. I did not see this. Paypal decided they made a mistake and on XX/XX/XXXX the withdrew the {$300.00} again. So we were even, I still did not know it happened. My balance did not show anything happened. On XX/XX/XXXX Paypal withdrew another {$300.00} from my business account. I did not catch this either. I had changed merchant service provider and I thought my account with Paypal was closed. I was contacted by a collection agency a few weeks ago telling me that Paypal had turned me over to a collection agency because I owe Paypal {$300.00}. I contacted the collection agency and told all this to them. They said I had to straighten it out with Paypal. I called, emailed and texted many times and have not gotten a response. I contacted my bank and they said they could not help me. The only thing they can do is cancel my checking account so that Paypal can no longer take anymore money out of my account. I sent Paypal a third email today telling them I was contacting you. I so not have an account number with Paypal. They use my email to sign in and identify me. XXXX My business is XXXX XXXX XXXXXXXX. I work out of XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Both our online checking and savings accounts with Citibank were hacked into the night of XX/XX/XXXX. A fraudster posing as a Citibank XXXX first called our son, then got us on the line. Using XXXX, he managed to empty our checking and savings accounts first. 
Then a personal loan was immediately opened in my name, and that money was also sent out through XXXX. 

XX/XX/XXXX : the following transfers were made to XXXX : {$2400.00} {$2400.00} {$2400.00} XXXX : {$2500.00} {$2400.00} {$2500.00} {$2400.00} {$2400.00} {$1200.00} Also, on XX/XX/XXXX, they opened a personal loan thru Citibank under my name for just under {$7000.00}. 

Our entire savings account and checking accounts with Citi were emptied, and this personal loan was also spent. I spent countless hours calling Citibank on Saturday XXXX, trying to figure out what had happened. Finally on Wednesday, XX/XX/XXXX, again after being transferred from numerous Citibank departments, I was connected with Disputes. It was then we were informed that the " initial Citi XXXX XXXX '' had been the one perpetuating all of the fraud. Obviously I was sickened to hear that we were scammed this way. We are not wealthy people by any means. I then had to file dispute charges on every XXXX charge that had been put through, and was told it could take up to 45 days to have resolution on this case. Also no guarantee that these funds will be restored to us. 

I was also told that I had to contact the Citibank loan department separately to dispute the personal loan taken out in my name. That was more hours spent on the phone being bounced from department to department. Finally on Friday XX/XX/XXXX I spoke to someone in personal loans who said an identity theft package would be mailed to my home hopefully within a week. So in addition to losing all of our money, I am now being held to repay a loan of {$6800.00} that was granted in my name to these criminals. 

Citi did " provisionally '' reverse {$4900.00} of the above XXXX transactions to our account. But we have no idea what that means, and can't spend money that XXXX be taken away from us yet again. 

We are just beyond ourselves that nobody at Citibank or XXXX caught all of this suspicious activity going on. And of course I am very embarrassed that I was taken in by this scam, I thought that I was a much savvier consumer. These crooks were very sophisticated, calling from a XXXX number, sending " Citi '' security codes and texts " reversing '' the XXXX charges to our accounts, etc.

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 2022-12-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX potentially negative months {$1500.00} Closed Account info Account name XXXX Account number XXXX Original creditor - Company sold - Account type Unsecured Loan Date opened XX/XX/XXXX Open/closed Closed Status Charge-off Status updated XX/XX/XXXX Balance {$1500.00} Balance updated XX/XX/XXXX Original balance - Monthly payment - Past due amount {$1500.00} Highest balance - Terms 9 Months Responsibility Individual Your statement- This information is still report incorrectly on my credit reports.

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 2022-12-10 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: CA

Complaint narrative:
XXXX XXXXXXXX potentially negative months {$1500.00} Closed Account info Account name XXXX Account number XXXX Original creditor - Company sold - Account type Unsecured Loan Date opened XX/XX/XXXX Open/closed Closed Status Charge-off Status updated XX/XX/XXXX Balance {$1500.00} Balance updated XX/XX/XXXX Original balance - Monthly payment - Past due amount {$1500.00} Highest balance - Terms 9 Months Responsibility Individual Your statement- This information is still report incorrectly on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I contacted Equifax after getting my latest credit report from them on XX/XX/XXXX. The credit report are missing accounts that my creditor has submitted Equifax to add to my report. The two remaining Credit Bureaus are reporting the accounts accurately. 

The accounts are : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX XXXXXXXX XXXX These accounts starting reportiong on XXXX and XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-12-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I was contact on my phone by company saying they are XXXX XXXX and told my power will be shut off. They asked for XXXX transfer to pay it immediately and although Wells Fargo bank knows it was fraud they are still not reimbursing me. Im out at least XXXX dollars. My power bill has not been paid and is due to be shut off.

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 2022-12-10 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: Block, Inc.
State: MO

Complaint narrative:
On XX/XX/XXXX, there was a withdrawal from my cashapp acct for {$3600.00}. I did not authorize. Cashapp abated the withdrawal was from IRS. THEY SD THE DESCRIPTION WAS IRS TREAS XXXX XXXX. That is the same as the IRS stimulus payment. I called the IRS and they did not have record of me owing a debt. They also stated that they would not debit my account without me authorizing. I called the dept of treasury, they did not have record if me owing them. They also stated they would notify me in writing first and that they only offset tax returns. I called the XXXX office of fiscal affairs. They stated they did not deduct anything from my account. All of them stated that they do not make deductions from bank accounts unless they have a lein to do so. I advised cashapp. They told me that the XXXX was trying to reverse NY XXXX stimulus payment for XXXX. Again..the IRS does not have record of such transaction and that they could contact me first and would only remove amount from my future returns.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10 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:
RECENTLY I DID AN INVESTIGATION ON MY CREDIT REPORT WHICH CAUSED SEVERE XXXX UPON ME AND FOUND UNVERIFIABLE, INVALIDATED AND QUESTIONABLE ITEM THAT YOUR AGENCY DID NOT MAKE SURE IT WAS REPORTING 100 % CORRECT. 

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, EVERYTHING HAS TO BE 100 % ACCURATE ON MY CREDIT REPORT UNDER 15 U.S COURT 1681e ( b ) AND 15 U.S CODE 1681i ( 5 ) THIS ACCOUNT IS VIOLATION OF NOT REPORTING 100 % ACCURATE RESOLUTION : As a consumer, by law my credit report must be made 100 % accurate immediately by the credit reporting agencies updating and deleting the account that listed on my dispute letter.

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 2022-12-10 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: OH

Complaint narrative:
I disputed some items on my credit report and the Bureau did not respond

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
I am the original creditor. See XXXX XXXX XXXX XXXX XXXX. 

United States Code Law Title 22 Chapter 2 Section 141 ( permanent character ) - affirmative action. 

XXXX. XXXX XXXX and XXXX XXXX XXXX - XXXX survey blood right heir ( XXXX XXXX XXXX 12 USC 1825 ( D ) Full Faith and Credit. The full faith and credit of the United States is pledged to the payment of any obligation issued after XX/XX/1989 by the corporation, which respect to both principal and interest, if - ( 1 ) the principle amount of such obligation is stated in the obligation and ( 2 ) the term to maturity or the date of maturity of such obligation is stated in the obligation. 

15 USC 1692 congressional declaration of purpose. 

House XXXX XXXX XXXX!!! 

In accordance with the fair credit reporting act The principal debtor is responsible. 

15 USC 1681 Section 602. Right to privacy 15 USC 1681 604 A Section 2 : consumer reporting agency CAN NOT furnish a account without written instructions.

15 USC 1666 B : a creditor may NOT treat payment on a credit card account under an open end consumer credit plan as late for purpose. 

AGAIN I AM THE ORIGINAL CREDITOR I provided my signature ( sign of nature ). 
Remove the fraudulent XXXX claims. 
Thank you.

Company response to consumer: Closed with explanation