vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-14 00:00:00
Product: Credit 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: FL

Complaint narrative:
The complaint relates to the purchase of open water scuba pool sessions at XXXX XXXX XXXX via XXXX on XX/XX/2023 for {$230.00} using my Capital One quicksilver card. 
XXXX XXXX XXXX : XX/XX/XXXX Description of the XXXX deal - Scuba Diving Certification for One This is the beginner entry into scuba diving. This open water class is a combination of e-learning and traditional classroom. Once completed you will have earned an open water certification that is nationally and internationally recognized. 

XXXX XXXX XXXX promptly requested my voucher number in order to give me access to the e-learning course and subsequently marked it as redeemed on XX/XX/2023 without scheduling the classroom training and certification classes that was part of the deal. See email attached. 

I made various efforts to contact XXXX XXXX XXXX via telephone, email, and XXXX XXXX, as evidenced by the enclosed screenshot of our interactions. Despite my earnest attempts, I received no response regarding the scheduling of the classes. 

I was hoping to receive my training within 30-45 days of purchasing the XXXX as I had a long vacation planned out of the country at the end of XXXX. At no point did the XXXX fine prints mention that I will have to wait for an indefinite period of time before I can expect the full and complete delivery of the services described. Regrettably, my attempts to secure a response from XXXX XXXX XXXX proved unfruitful via phone or online messages. 

I reached out to XXXX customer service who refused to return my money as once the voucher is marked redeemed they can not or will not assist any further unless I obtain written confirmation from the XXXX school confirming that the service was not provided. Needless to say, getting a response from the XXXX XXXX XXXX is impossible as they don'y reply to calls, texts or emails. 

So, I filled a dispute with Capital one as a last resort as I was still within the 90 day period and provided capital one dispute team with proof indicating that the service was not delivered as promised. However the Capital one dispute team decided to side with the merchant as the merchant had marked the XXXX as redeemed. 

My husband had purchased the sameXX/XX/XXXX with his XXXX card and he had the same problem. However, XXXX promptly refunded him the money and didn't wrongfully side with the merchant. 

I am requesting a full refund for the disputed charge, given that the services were not rendered as described under the groupon deal description, and the merchant failed to respond to my inquiries over an extended period and for the time, energy and stress this whole situation has caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Wells Fargo fraudulently and sinisterly said my account was overdrawn when it never was. Wells Fargo fraudulently and deceptively advertises an available balance based on direct deposit that they then arbitrarily decide they dont want to honor as part of a sinister conspiracy to harm the customer to benefit the company. Wells Fargo needs to quit fudging customer accounts as part of a conspiracy to harm 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 2023-10-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: GOLDMAN SACHS BANK USA
State: MD

Complaint narrative:
I reached out to a number of Goldman Sachs staff including the CEO 's office and no remedy to properly adjust my interest rate on both cards to at least 6 %. I have been unable to resolve my issue with the incompetence of your staff at the lower levels so I am emailing you directly. My issue is simple, I am a XXXX XXXXXXXX on XXXX XXXX. I have been on and off XXXX XXXX for years and on this latest time I receive orders there has been a struggle to get my Servicemember Civil Relief Act ( SCRA ) benefits and protections ( 6 % interest rate on credit cards ). Over 90 % of my credit card companies have complied with this which is the federal law ( statute ) yet Goldman Sach 's Apple Card have stonewalled me a few occasions. I need resolution at your level. This has also been the case for my wife 's credit card- XXXX XXXX. See email chain and attachments. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
Citibank refused to close credit card and pretended that the phone disconnected when it didn't. Transferred to a total of 3 people to try to get me to not close the card. Unethical business practices. This call was made on XX/XX/2023 at around 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 2023-10-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Sequium Asset Solutions, LLC
State: MN

Complaint narrative:
Thank you for providing that additional information. Here 's a revised phrasing for your complaint, taking into account that you asked XXXX to disconnect the service : " About three months after signing up for XXXX 's Internet Essentials service, I received a phone call informing me that I owed them over {$600.00}, which was significantly higher than the expected XXXX XXXX  monthly charge. Upon receiving this call, I requested that they disconnect the service and retrieve their equipment, as the charges did not align with the agreed-upon service of Internet Essentials at {$10.00} a month and a 10-channel program for about {$11.00} a month. I explicitly requested no further contact, as the situation did not match our initial agreement. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: MN

Complaint narrative:
I reached out to Nelnet XX/XX/XXXX to change my due date from XX/XX/XXXX to XX/XX/XXXX. On the morning of XX/XX/XXXX it was finally processed but they also charged my auto-debit account that day. Any call to Nelnet results in a multi-hour hold time and incorrect answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A.
State: CA

Complaint narrative:
I MADE 3 DEPOSITS TO MY ACCOUNT TOTALING {$2300.00} WHICH HAS BEEN ON HOD SINCE XXXX.PNC BANK PUT THE FUNDS ON HOLD ON THAT DAY AND HAVE NOT RELEASED THEM, THEN PNC BANK TOLD ME THAT THEY ARE WAITING FOR THEN CHECKS TO NOT CLEAR AND THEN THEY WILL SEND BACK THE FUNDS AND CLOSE THE ACCOUNT. THEY SAID, PNC BANK, THAT THE MAKER OF THE CHECKS SAID THAT THE CHECKS WERE MEANT FOR SOMEONE ELSE NOT ME. I WORK IN THE XXXX XXXX SO IF THE GUY SAID THAT IT WOULD BE BECAUSE THEY DONT WANT THEIR XXXX TO KNOW ABOUT THE EXTRA ACTIVITIES. AND I AM SUPPOSE TO KEEP THINGS PRIVATE. I HAVE SPOKEN TO THE MAKERS OF THE CHECKS AND THEY ARE VERY ANGER AND TALKING ABOUT THAT I HAVE VIOLATED THE TERMS FOR THE CONTRACT THAT I SET UP, AND SUING ME IF THERE XXXX FIND OUT.I HAVE NEVE RHEARD OF A BANK CALLING EVERY CHECK DEPOSIT MADE INTO AN ACCOUNT I THINK THAT THIS IS DISCRIMANITION ON THERE HALF.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
XX/XX/2023 Loan amount : {$39000.00} I purchased a vehicle from XX/XX/XXXX in Indiana in XXXX. After driving the vehicle for five days, a catastrophic error occurred in the vehicle not due to me as the operator. Vehicle has been in the shop through the end of XXXX. In that time,XX/XX/XXXX in the general manager, XXXX XXXX sent me paperwork to sign for the buyback of the vehicle. During that time the date in which the initial payment was due on, the vehicle did not occur and I let XXXX XXXX know that it is past due. I was receiving phone calls from the collections department at XXXX bank and passed along the letters that XXXX bank have been sending to me to XXXX XXXX at XX/XX/XXXX. His finance department was very unresponsive. They kept telling me it was being handled so the check never was sent to, XXXX Bank to buy out the vehicle from me. I had to threaten with legal action for them to finally send the check to XXXX bank in XXXX. I received a letter stating my vehicle had finally been paid off at the end of XXXX. This has negatively impacted my credit score due to the lack of urgency and competence at unlimited motors. I dont believe its right for me to suffer because of their poor customer, service, and lack of willingness to help. Documentation of the buyback clearly dated XX/XX/2023 is included in this claim in the letter from XXXX bank in XXXX stating my payment still had not been made which was past the 90 day window. Please make this right for me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-14 00:00:00
Product: Credit 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: ID

Complaint narrative:
On XXXX XXXX XXXX  I opened a purchase dispute for an XXXX purchase in the amount of XXXX. I ordered a Laptop but XXXX sent an empty box ( full of packaging and heavy box material but no laptop ). This is a well known XXXX scam. I contacted XXXX to report the issue, via phone and the rep told me I could file a return but to get a refund XXXX would expect a laptop. Since it was impossible to send XXXX something they did not originally send me ( effectively refusing the return ) I filed a purchase dispute with Citi. 
As of XXXX Citi claims they have " completed an investigation '' in favor of XXXX Citi has violated my rights under the FCRA multiple times detailed below : 1 ) Citi never sent any acknowledgement of the initial dispute 2 ) Citi never attempted to contact me to get any additional information in regards to this dispute. How can you claim to do a reasonable, unbiased investigation if you do not even talk to the party that has been damaged and needs a dispute resolution? 
3 ) Citi never provided me with the response from XXXX or allowed me to respond they just closed the dispute in XXXX favor with no communication to me. How can you do an investigation in good faith if you are not transparent and allow your customers to respond. 
4 ) Citi missed every major communication required under my FCRA in regards to this dispute 5 ) Citi has clearly a bias in favor of XXXX in this instance. This item was either taken out of the box before it was stocked at XXXX or taken in transit and the package was stuffed with enough material to offset the weight difference. The box was heavy enough from the packaging to not alert me to an issue until I opened the package to realize no laptop was present. I would be interested as to how XXXX could provide " proof '' that the laptop was actually delivered to satisfy an investigation when I just received an empty box. Nothing about this investigation was done thoroughly, above board, or in good faith.

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 2023-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have disputed this three times, and they are stopping me from purchasing a home for my ten-year-old. They are reporting my loans twice on my credit report. I reported them to the Fair Credit Act, and they said to come back and report them again. I have the documentation from XXXX. XXXX informed me that Experian never called them to discuss my information. As stated in my previous three disputes, Experian is not reporting my XXXX loans accurately. XXXX purchased the loans. They should only report to XXXX the loan server changed the amount and did not double. They are reporting them as XXXX it should only be XXXX. If the amount is not fixed this time, I will retain an attorney and take it to the media. 

Also see attached my XXXX loans are paid in full.

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 2023-10-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: TRUIST FINANCIAL CORPORATION
State: NJ

Complaint narrative:
In XX/XX/ we replaced a furnace in my home, and used Service Finance Company to finance the loan. I was originally told that is would be 18 months no interest no payments. XXXX documents were sent to me and I signed. Fast forward to XXXX XXXX XXXX I called the company that installed my furnace to tell them I have not received any statements or bills from the company. They told me that omce the job is done and they are paid that they dont have anything to do with the finance, and they gave me a number to call for the company that did. My wife called the same day, on XX/XX/XXXX, and told the company we never received a bill and was hoping they could send us something. Because her name was not on the loan, they would not discuss anything with her. We at this point assumed that there must not be a bill because payments were not due yet, and that obviously if something was due they would call back or send something. FAST FORWARD to XX/XX/XXXX. I am in the middle of refinancing my mortgage, and my mortgage broker alerts me to a delinquent account showing on my credit report. Apparently, after not receiving a bill and having NO CONTACT from the company, they put my loan into collections and charged it off. My currrent bills are approximately {$20000.00} a month. I would NEVER let a payment of {$140.00} completely wreck my credit. This makes XXXX sense. My wife and I have 100 percent on time payments for all of our bills. The company said that we had a 3 month no payment, not an 18 month. Regardless- we NEVER receieved a bill or any form of communication from them regarding this. This credit charge off is preventing me now from refinancing my mortgage and consolidating my debt. If I was going to intentionally go late on a bill I would have likely chosen one that would make a differnce, not a {$140.00} payment! No one at Service Finance Company is willing to help. I did speak to one employee who was trying to be helpful and said her manager would call me back and no one ever called. I am at witts end, I need this resolved and I dont know where else to turn.

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 2023-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX begging you please remove this to the 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 2023-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Atlanticus Services Corporation
State: FL

Complaint narrative:
I closed my Aspire credit card on XX/XX/23. The account has been reporting wrong for the past two months! Its still reporting open, still reporting a high utilization and as of XX/XX/23 a late payment was reported! This has damaged my XXXX credit XXXX! At the time of my account closure on XX/XX/23 my payments were current and not late! I have disputed three times with XXXX and they say aspire says its open! But when I contact aspire they send me emails confirming the account closure date and I send that to XXXX and nothing gets fixed! I was denied an apartment due to this error hurting my credit! I just get generic responses from aspire customer service or they deflect the issue!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Hello, I have reached out the the 3 creditors in this matter, XXXX XXXX, Apple Card XXXX XXXX XXXX XXXX XXXX XXXX in accordance with the Fair Reporting Act, this creditor has violated my rights. I understand that under 15 USC1681 section 602 - states, I have a right to privacy15 USC1681 604A, section 2 also states a consumer reporting agency can not furnish an account without my written instructions.15 USC1666B a creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Hello, I have reached out the the XXXX creditors in this matter, Best Buy/CBNA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in accordance with the Fair Reporting Act, this creditor has violated my rights. I understand that under 15 USC1681 section 602 - states, I have a right to privacy15 USC1681 604A, section 2 also states a consumer reporting agency can not furnish an account without my written instructions.15 USC1666B a creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose.

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 2023-10-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: SC

Complaint narrative:
I paid a seller through PayPal, there was an ad on XXXX  for what she was selling and said to contact her number to pay through PayPal so I did and then her account was gone and I couldnt message her through anything. And didnt receive anything I paid for so I got scammed and I dont know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
I opened a bank account with Region 's Bank with the expiations ' of receiving a {$300.00} opening fee within 60 days and was denied funds

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 2023-10-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: FL

Complaint narrative:
I received the debt on XX/XX/2023 to which I disputed the debt stating that insurance covered the cost and provided them with the information to show the insurance policy as well verification of coverage and policy inclusions for the services. 

XX/XX/XXXX they were sent an email to dispute the debt. Also asking for how they received my information without my consent. I never provided them my address so how were they able to contact me. So it was an invasion of my privacy. 

XX/XX/XXXX was a follow up to a mailed letter that I have never received confirmation of receipt from the creditor. Have also never received any information to follow up to any update on their records as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I have reached out to Equifax for the past XXXX months to inquire about my credit reporting on my account. 

I have noticed two companies both XXXX XXXX and XXXX sent over request to remove them from my trade lines on XXXX. I confirmed again the turnaround time with both companies and was advised 30 days. 

These companies have been removed from all other credit reports but Equifax. I have access to my online account so I can actually pull the report myself through their app and my FICO the problem is everyone I try to call they ask for my name, SSN, DOB, address I answer it all correctly as it matches my profile online.. 

They ask me to do an authentication photo, I have driver license I send it over along with a selfie of me and my driver license. The rep will come back and say you failed authentication send us documents of proof. 

What more proof can I send these people. This is the only credit bureau I am having this discrepancy with and I am nervous I am being defrauded. I feel my account or identity has been taken over by someone who has access to my Equifax. Why else would my information I was born with an assigned by the government as ship cargo not match what Equifax has!

Company response to consumer: Closed with non-monetary relief