vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-22 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
On XXXX XXXX XXXX I purchased an XXXX  online, using my Citi card, The XXXX  was never delivered and the merchant wouldn't respond to emails.I filed a dispute with Citi, which was denied. I found that their customer service agent erroneously filed it as a cancellation, not non delivery. I have waited on hold for hours, and spoken to them 7 different times. They re nice enough on the phone, but keep responding in writing that they ' re denying my claim due to conflicting information ( THEIR MISTAKE, NOT MINE ) and that I need to contact the merchant, who, as they know, doesn't respond to my emails. ) Citi states that the merchant claims that he sent XXXX  but " can't provide '' documentation or proof. I am XXXX  and need the XXXX  to get around. My card was charged, but product not delivered. Please help.

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 2021-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
On XX/XX/2021 TransUnion received via USPs Certified mail a written request to update my credit file with them, ( see attached request ). Transunion responded without updating nor did they correct the requested information. I also included my Maryland State ID Card and my social security card as identifying proof.

Transunion is still reporting inaccurate information on my credit report which is a direct violation of FCRA.

Transunion is reporting inaccurate information such as WRONG DATE OF BIRTH, WRONG ADDRESES AND WRONG PHONE NUMBERS, when documented proof of the CORRECT date of birth and address has been summitted to them.

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 2021-08-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Payward Ventures Inc. dba Kraken
State: MT

Complaint narrative:
On XX/XX/2021 I created an account with XXXX XXXX XXXX. I deposited {$500.00} through a bank transfer ( XXXX XXXX ). I then purchased {$500.00} in XXXX. 
I have done nothing else with this account. I haven't transferred any XXXX or transferred XXXX back to cash or any other cryptocurrency. 
On XX/XX/2021, I experienced a problem logging into my account with my password. I then requested a reset password email link which I received, clicked on the link and wasn't able to reset my password. I contacted XXXX customer service and they told me to wait 2 hours then try again. That was also unsuccessful, as have been the following 15 times I have attempted to reset my password which is a simple process. 
Each time I have contacted Kraken customer service and they give me a different reason why it's MY FAULT I can't reset my password. I have tried all of their suggestions and I'm essentially locked out of my account. I have asked XXXX to transfer my funds back to my bank and close my account and they refuse to do it! 
I have spent 3 days trying to access my account! 
XXXX has locked me out of my account! This is fraud/scam/poor business practice!

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
received a letter dated XX/XX/21 from synchrony bank telling me that they reviewed my account after it has been opened for over a year, telling me that the decided to close my account based on the amount of inquires on my credit report, not enough available credit on revolving accounts, lack of first mortgage account information. 
this is detrimental to my credit report and I never requested this account to be closed

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 2021-08-22 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I traded my old car in and bought a new car. The finance department from the dealership had my address incorrect on the original papers and had to send me another set of documents to sign. While they were getting everything redone it took a long time to complete and as a result of this the bank submitted 60 days late payment to the credit bureaus. I had never missed or had a late payment in over two years

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 2021-08-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Atlanticus Services Corporation
State: VT

Complaint narrative:
At some point in XX/XX/XXXX, I called my credit card company, Fortiva, and reported suspected fraudulent activity on my account. After two hours had passed by, I realized that I had made the charge and it wasn't fraudulent. I called Fortiva to tell them this two hours after I had called the first time and they told me that it was too late to take the claim back and that I would have to wait seven to fourteen business days for the replacement card. I understood and actually appreciated the security reasons behind that.

Fourteen business days passed and I never received the replacement card. I again applied for a replacement card online and selected the rush delivery option that would cost me {$25.00}, but I am in need of the card so I was willing to pay the fee. I ended up calling the company again anyway and I was told that they don't offer rush delivery, and I would have to wait up to fourteen business days for a new card. I expressed my dismay and I waited again.

Fourteen business days have passed again, and I still do not have my replacement card. Frustrated and upset, I called MasterCard to report what was happening, and they weren't of much help either. I called Fortiva and reported to them that I was making this complaint to Consumer Finance Protection Bureau and here I am. I was told just five minutes ago that I would again have to wait up to fourteen business days, and I asked, considering the circumstances, if I could have the card rush delivered. I was told I would have to pay {$25.00} and I agreed to that. I feel like I should not have to bear the cost of the rushed card, as this long and unnecessary waiting period is their fault. 

I have never been late on a payment, my balance is virtually XXXX, and I have been making payments the whole time I have been without my card. I am in between jobs and I am waiting to start at my new job on the XX/XX/XXXX, and I need access to my line of credit now! The company is aware of this. I am reaching out because I am convinced that I will not receive a replacement card again. Something has to be done about this. I am a good cardholder and I don't deserve this horrible experience. I just want my card ASAP and I don't want to pay any special fees for it being rushed to me considering the circumstances. I ordered a new card originally in XXXX, and it is almost XXXX. Fortiva tried to tell me that my original request for a new card was some time in XXXX, but that is false. I have no reason to lie about any of this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I was notified by Midland credit XXXX about paying my debt or get sued. I received a subpoena for court and the account was completely paid in full and closed on XX/XX/XXXX. Midland credit management updated the credit bureaus that I owed $ XXXX and that the account was not paid in full, they have yet to report this to the credit bureau either. Also, XXXX XXXX  sold the debt and were paid for it yet they would not remove this debt from my report either. My concerns are that after disputing this account of Midland credit management my credit score dropped over 50 points, and All I was disputing was the fact that they had not shown the account was paid in full to the credit bureaus. As of now I have two negatives on my report from midland credit saying I owe $ XXXX and one saying I owe $ XXXX, my one account with them has been paid in full and closed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ideal Collection Services, Inc.
State: FL

Complaint narrative:
Collection account that was settled and paid XXXX of 2020 should has reappeared after agreement was made and satisfied.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
On XX/XX/2021 XXXX  XXXX XXXX Closed my checking and savings account, along with my children 's minor accounts with no explanation, I called to inquire about the closure and they stated it was an " executive decision, they refunded my children their funds in the form of a check a couple of months later. I had balance on my account of but I never received a refund, only them reporting I " owed '' a " unpaid '' balance of XXXX which I did not find out until much later, this caused such a inconvience as I had my main monthly income directly deposited into said account. 

months later I went on to open an account with XXXX XXXX with no issues, along with my children I had no idea what was being reported on checxsystems, until I was in the market for a vehicle. I was approved for a XXXX auto loan through a Credit Union but was not able to move foward with the loan process, because I was made aware of what was being reporting on Chexsystems by XXXX  XXXX XXXX, They reported " My account was close due to " fraud ''. I was livid! knowing full in well I commited no fraud, I went into a XXXX  XXXX XXXX Branch to speak with a XXXX XXXX, as I called XXXX  fraud department on my phone. 
I was on the phone for a total of 4 hours with still no explanation of what fraud was commited and why they had that listed on " Chexsystems '' ( the consumer reporting agency that All bank use to screen applicants that want to opening any type of Checking or Savings accounts ) or how it could be resolved, the Branch manager was helpful but could'nt tell me anything more than what the rep on the phone was saying I disputed this with Chexsystems to only receieved a letter stating " There was no actual fraud done '' and that the information ( account ) would remain on Chexsystems. They even admited in the response that they did not make me aware of what they reported without to the agency without my permission, This is hindering me as buisness and trying to establish financial security for my children. this has been a complete nightmare. I can not open any other bank account at this moment because of this information that is being reported in Chexsystems by XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-22 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I traded my old car in and bought a new car. The XXXX department from the dealership had my address incorrect on the original papers and had to send me another set of documents to sign. While they were getting everything redone it took a long time to complete and as a result of this the bank submitted 60 days late payment to the credit bureaus. I had never missed or had a late payment in over two years

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 2021-08-22 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Lost or stolen check — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
A refund was submitted by merchant and PayPal is refusing to release the funds back to my debit card

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-22 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
The debt in claim has passed the Statute of Limitation in the State of Florida where I reside of 5 years. Also interest has been increasing illegally every time the debts has been posted since is a violation of the Fair Federal Reporting Act According to the Fair Credit Reporting Act,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: OK

Complaint narrative:
i opened and synchrony account back in a XXXX of XXXX actually two accounts one for {$1400.00} and the other {$910.00} I paid both loans off before terms of contract. Both loans were closed 30-45 after i paid them off. Both letters sited untrue and false information. For example my latest letter has lack of real estate as a reason for closure. letter is dated XXXX but my XXXX report has had my recent real estate purchase on the report since XX/XX/XXXX i bought my home on XX/XX/XXXX. The first time they closed my account my credit had literally no changes except paying off there account. Yet on the letter they stated things that were in affect when they extended credit to me. I see it as predatory ive had no late or slow pays. No derogatory accounts. Yet if i dont run out and buy more stuff they close my account costing me 50 plus points on my score each time. What's the point of trying to build credit when companies like synchrony use you then throw you out as soon as you pay off a loan. What really gets my blood boiling is the veiled attempt to blame me for account closures. I have 16 other creditors NONE behave like this none. I cant imagine how hard of a hit it would beon mu score if i only had one or two accounts. Also i cant imagine how someone with less experience handling multiple accounts would feel. Its a system set up to keep people with low credit scores despite paying off loans on time every time. Im sure the average person would give up trying to be responsible, when creditors act like this bank does. They lure people in saying build your credit then close your account as soon as you pay them off. So you end up giving back all the gains you have made with on time payments. Its a complete scam and i ask that someone would take a long look at this company and there predatory practices! As a XXXX veteran it really angers me that this company is able to operate in a space were they get all the benefits without their customers receiving any mutual credit benefits that we are promised in these stores. You can pay back ten loans and still be in the 500 range with a company like synchrony totally unfair!!

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 2021-08-22 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I've noticed unauthorized inquires on my report and have reached out to both the company and Credit Bureau. These inquires are fraud related and were made without my authorization. 

XXXX XXXX XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-22 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have explained that these inquries listed here are a result of identity theft and should be deleted. I submitted all requested documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I was notified by XXXX XXXX XXXX about paying my debt or get sued. I received a subpoena for court and the account was completely paid in full and closed on XX/XX/XXXX. XXXX XXXX XXXX updated the credit bureaus that I owed $ XXXX and that the account was not paid in full, they have yet to report this to the credit bureau either. Also, Citi bank sold the debt and were paid for it yet they would not remove this debt from my report either. My concerns are that after disputing this account of XXXX XXXX XXXX my credit score dropped over 50 points, and All I was disputing was the fact that they had not shown the account was paid in full to the credit bureaus. As of now I have two negatives on my report from XXXX XXXX saying I owe $ XXXX and one saying I owe $ XXXX, my one account with them has been paid in full and closed.

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 2021-08-22 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: FL

Complaint narrative:
I have explained that these are unauthorized credit inquries on my credit report and they have been placed on my credit fraudulently. I have attched requested documentation again to have this information deleted 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 2021-08-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Fidelity Services, LLC
State: AR

Complaint narrative:
The date of this debt is XXXX XXXX XXXX in the amount of XXXX I didnt didnt purchase anything from these people and I never lived at the address and didnt receive any Merchandise from them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-22 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: FL

Complaint narrative:
I have explained that these inquries are a result of identity theft and should be deleted from my credit report. I have attached the requested documents to have this information removed.

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 2021-08-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AmerAssist A/R Solutions, Inc.
State: TX

Complaint narrative:
Amerassist added two collections accounts on my credit report in XXXX XXXX Both of the accounts were in dispute with the company XXXX XXXX XXXX, for faulty product. I had been in dispute with XXXX for over a year. They were suppose to have stopped any payments from needing to be paid, while we were in dispute. They randomly one day added two accounts onto my credit report. This completely damaged my credit! I contacted both companies, Amerassist and XXXX XXXX XXXX, about the collections accounts and could not get any answer or resolution. There was a ton of back and forth for months, I was able to dispute one of the accounts and it was removed but the last account has not been removed. I have emailed and called multiple times and I have disputed the account on my credit report 12 times, without any resolution. I have provided Amerassist proof that the accounts are closed and should have never been reported and they still refuse to make any change.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/2021 I sent out a letter to XXXX XXXX  XXXX XXXX to dispute inaccurate information on my credit profile.For your records, I have enclosed a copy of my correspondence and mailing receipts with the collection agency. They have failed to validate this debt and I have nothing proving my obligation to pay this debt. This debt is not mine

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