vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I received the letter Citi Reference Number : XXXX. They did not answer my questions, and have presented more questions. 
First, this is not about my account XXXX. This is about my now closed account XXXX. 
Second, Citi did not answer my question - Please tell me which of these refunds are accurate : ( 1 ) {$1.00} Recon ID # XXXX ( 2 ) {$38.00} Recon ID # XXXX ( 3 ) {$39.00} Recon ID # XXXX ( 4 ) {$39.00} Recon ID # XXXX ( 5 ) {$39.00} Recon ID # XXXX ( 6 ) {$39.00} Recon ID # XXXX Third, I have no idea what Citi is talking about when they say " A letter was sent dated XX/XX/XXXX, which requested that you provide a copy of a credit slip or written confirmation of credit from the merchant. Because this requested documentation has not been received, the conditional credit was reversed. '' I never received any letter. And why would Citi need a confirmation of credit from XXXX - if I'd received a credit I wouldn't be disputing the charge. Fourth, Citi please explain what you mean by " Citi would like to remind you that federal regulations may require us to report your
account as past due to the consumer reporting agencies listed below if we do not receive the minimum payment by the due date shown on your billing statement. '' My Citi credit card is automatically paid in full
every month from my XXXX XXXX account, and I have not refused to pay any amounts. Has Citi not received my payment?

Fifth, I don't know what Citi means by " Because you disagree with the resolution of your disputes, we will request the reporting agencies add a note to your credit profile stating that the information is disputed by the consumer. This will remain in place until your
outstanding account balance is paid in full. '' I do NOT give Citi permission to place any such note on my account.
Sixth, Citi still hasn't sent me a pdf of my final XXXX bill. It is pathetically ridiculous that Citi attached all my credit card statements from XXXX - XXXX! - but did not provide the final credit card bill for 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 2020-10-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants and Medical Credit Corporation, Inc.
State: IL

Complaint narrative:
I started a business and opened a checking account with XXXX XXXX  in XXXX. As condition with my Board, I opened also a gym membership early in XXXX to mitigate a XXXX process. My acct number for the bank acct is XXXX. By XXXX, COVID became a central theme for globally. My doctor wrote and ordered isolation as I am an at risk contender. My order was sent in the mail, and submitted to the gym asap in XXXX. Shortly thereafter, the State of Illinois was ordered into a Mandatory Quarantine by the Governor. I learned that the gym through its third party collection company XXXX XXXX, had continued to bill my account causing it to go into negative status with fees from the gym and overdraft fees by the bank in XXXX. It was submitted into Collections in XXXX, but under quarantine, was not monitoring that account. 
The account number for the gym being XXXX, I called XXXX immediately, who waived all charges in XX/XX/XXXX/XX/XX/XXXXfor an account that was restricted in XXXX and placed into collections. Though the gym attempted to reverse charges after the fact, those reversals took NO EFFECT, as the account was closed and the reversal bounced back/returned to the XXXX XXXX. XX/XX/XXXX, XXXX XXXX XXXX XXXX ( XXXX ) then admitted that the charges took place and were in error but that I should return to the bank for resolution. I have that email as evidence. Going to the bank and speaking with XXXX a Supervisor with the bank 's XXXX XXXX branch, I was directed to MER-Merchants & Medical Collection XXXX and spoke with XXXX, the Supervisor for account XXXX ( XXXX ), who stipulated that XXXX XXXX needed to issue a check for {$310.00}. 
Today, XXXX XXXX of XXXX XXXX continues to persist that they had a legal right to continue to withdraw my money despite and that it was on me. None of the representatives have since attempted to resolve this matter, and I and my business has been severely damaged. A {$6.00} XXXX dollar investment into my business has been blocked as the account was closed without my knowledge or notice and as a result payments have been burdened by this XXXX XXXX event which poses the risk of my being liable for {>= $1,000,000} in default payments despite the very real attempt to desposit and make payment into an account in good standing. I need help and restoration. 

The address for the above account at XXXX is XXXX XXXX XXXX XXXX XXXX, IL XXXX The address for the gym and XXXX is XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
My Transunion credit reporting is reflecting a collection account in amount of {$290.00} from XXXX XXXX  from XXXX Ma. The phones numbers associated with business are not in service and no communication confirmed. This account was supposedly verified by Transunion which is false. I want the collection off my report I never received any communication from collection agency regarding this account as it is most likely 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
Consumer complaint received 2020-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: CA

Complaint narrative:
My boyfriend sent two deposits to my checking account I have with XXXX its an app checking account their name on the app is pnc bank c/o XXXX and after the transactions were complete and available they froze my debut card so I couldnt access my funds. I found the XXXX XXXX  on the App Store and have had the account for over six months I had previous issues with deposits I had made but not like this where they are completely taking my funds. I followed their error resolution request but every time they responded they asked for something else or said they didnt receive the attachments they kept contradicting themselves over email so I called and spoke to five different supervisors and talked to the highest person they allowed me access to and all they kept saying is they didnt have authority to turn my card back on. In their terms and conditions it says they allow third party transfers I sent them screenshots of their terms and conditions. I called over five times and I asked to talk to someone who could help me but they said that department was only available through email. They just kept running me in circles so I finally emailed them that they were breaking federal law by not letting access my available funds and I was going to contact FDIC and banking regulators than today I tried to log onto the account and it said my account is closed so I have no idea where my funds are and need my XXXX dollars back

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am a victim of identity theft. I submitted dispute letters to XXXX, Experian, and XXXX notifying them of the accounts that did not belong to me over 60 days ago on XXXX I have yet to recieve a response or credit report. The bureaus are in violation of my consumer rights. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). The disputed items are entirely inaccurate and incomplete, and represents a very serious error in reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 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: CA

Complaint narrative:
Back on XX/XX/XXXX I mailed disputes to the credit bureaus, but I never received a response. It has been nearly two months now, and still nothing. I feel like I'm being ignored, please advise.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28 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: NY

Complaint narrative:
I received a copy of my credit report and I noticed a credit inquiry on my credit report by XXXX XXXX bank on XX/XX/2020. I wrote to the company telling them that I had not authorized any inquiries with their company and that they should please validate this inquiry by sending me the completed credit application with my signature on it. If they were not able to validate this inquiry, as per Fair Trading Reporting Act, they should remove it. They then informed me that that they received what they considered to be a credit application. So far they have not sent me this credit application and they have not removed the inquiry form my report. Instead they are asking me to validate the inquiry by sending them a copy of my credit report, even though the letter that I sent them already had my credit report included in it along with my date of birth and social security number.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28 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: Southwest Credit Systems, L.P.
State: NY

Complaint narrative:
I received a copy of my credit report and I noticed a credit inquiry on my credit report by XXXX XXXX XXXX  on XX/XX/2020. I wrote to the company telling them that I had not authorized any inquiries with their company and that they should please validate this inquiry by sending me the completed credit application with my signature on it. If they were not able to validate this inquiry, as per Fair Trading Reporting Act, they should remove it. They then informed me that that they received what they considered to be a credit application. So far they have not sent me this credit application and they have not removed the inquiry form my report. Instead they are asking me to validate the inquiry by sending them a copy of my credit report, even though the letter that I sent them already had my credit report included in it along with my date of birth and social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: TCF NATIONAL BANK
State: MN

Complaint narrative:
On XX/XX/2020 I received an automated call from TCF Bank warning my account is at risk of, or had already gone dormant. I logged into the the account and saw four dormant account charges for {$10.00} each : XXXX  XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I initiated a transfer from another bank to move money into TCF to remedy this situation. 

Additionally, I called TCF and asked why I am receiving a call about this only now and why not months ago when this first occurred. My phone number hadn't changed in years so there's no issue with that. The phone rep said she couldn't see three of the four charges and therefore couldn't submit a request to refund them. She suggested I visit a branch about it. I visited a TCF branch near my home on XX/XX/XXXX ( Branch address : XXXX XXXX XXXX XXXX, XXXX, MN XXXX ) The teller there couldn't find 3 of the 4 charges either. He showed me the charge from XXXX, and said there were no others. They told me they couldn't refund these, and the likely cause of the other three charges not appearing was due to their merger with Chemical Bank. 

On XX/XX/XXXX, I received another similar automated call despite my account now being " open '' status. I called customer service again at XXXX. She also couldn't find the three of the four charges, and couldn't explain why I'm only getting these calls now. She also told me I should have received a letter about this, but upon checking there was no record of one ever being sent. She told me she couldn't submit a request to refund these since only one is visible, which is understandable from her point of view. But that leaves me with no recourse. She suggested I go back to the branch but that seems pointless considering I had already did this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-27 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: FL

Complaint narrative:
THE DISPUTED ACCOUNT HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THIS ACCOUNT REMOVE OFF MY CREDIT. THE ACCOUNT IS A CLOSED ACCOUNT XXXX HAS BEEN PAID FOR IN A SETTLEMENT AGREEMENT. FOR YOUR CONVENIENCE, I HAVE ATTACHED A LETTER SHOWING PROOF OF THE AGREEMENT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 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: FL

Complaint narrative:
THE DISPUTED ACCOUNT HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THIS ACCOUNT REMOVE OFF MY CREDIT. THE ACCOUNT IS A CLOSED ACCOUNT XXXX HAS BEEN PAID FOR IN A SETTLEMENT AGREEMENT. FOR YOUR CONVENIENCE, I HAVE ATTACHED A LETTER SHOWING PROOF OF THE AGREEMENT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I've contacted JP Morgan Chase Bank multiple times, I also contacted the Credit Bureaus on XX/XX/XXXX and again on XX/XX/XXXX. JP Morgan Chase has been unresponsive and they continue to report a charge off balance due on my credit report when I filed for Bankruptcy protection on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: MO

Complaint narrative:
On Saturday, XX/XX/20 I listed a large comic book lot for sale on XXXX to be purchased by the highest bidder. The winning bid was placed and the item was paid for on Tuesday, XX/XX/20. I then shipped the books through XXXX ( I'm a XXXX  store owner ) using not only a tracking number but also a required signature. The package was confirmed as being delivered and signed for on Friday, XX/XX/20. The buyer even posted a positive feedback on the transaction in my XXXX profile. I was then noitifed by Paypal that they are holding my payment received from the buyer, even though they had already taken out there fee for the transaction AND the buyer had already received the items. They first stated they could not verify that the package was delivered. I referred them to my XXXX tracking number and signature receipt and they refused to accept that as proof. I tried to call the numbers but they do not take phone calls. I was forced to communicate through a series of slow texts which took hours to get a response. When I would get a response as to why I can not have my money I am entitled to I would receive a different set of " goose chase '' directions to do. The first time they said they could not verify my email address so I gave them additional proof. Then they stated they could not see the tracking number, which again I pointed it out ( it was clearly visible ) then they stated they needed me to reach back out to the buyer and get them to contact Paypal so say they received the package, which I did. Then they stated that because the address I shipped the package to was different than the address the buyer listed in his paypal account, which was a PO Box . I again explained as a XXXX  Store Owner I do not ship to PO Boxes, only street addresses as PO Boxes do not have protection for items sold which is why shipping companies will to ship to PO Boxes. I further explained to them that no where in Paypal 's policies does it state I had to do all of these extra things in order to get my money I am owed that they are refusing to release. It states in their policy that once an item is verified as being received through the tracking number in the listing, the money will be released. I did just that and they are still refusing. It is XXXX dollars they are refusing to give me which is a lot of money and they no longer accept phone calls from anyone so I have no where to go with this. It is way too much money to walk away from. I did my part as shipping business owner and shipped the item out with a tracking number and signature which is verifiable. The fact that they are refusing to accept that as valid proof of delivery and will refuse to release my money turns this issue into a fraud situation. I really need some help as I have no where else to go.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-27 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: VW Credit
State: GA

Complaint narrative:
XXXX..Volkswagen credit reported to the credit bureau 30 day late payment.I wasnt late, it was a bank error with my funds being processes. I contacted Volkswagen in XX/XX/2020, for a goodwill and they denied. Due to not having document from bank. On XX/XX/2020, I submitted a letter head statement from the bank in regards to my payment history and the error which was made.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Tribal Lending Enterprise, Inc.
State: MI

Complaint narrative:
I paid off a loan with Mountain Summit Financial , Inc. in the amount of {$1500.00} on XX/XX/20. When a representative, and subsequently a supervisor was asked the interest rate on tbe loan, they said repeatedly they did not know ot have access to the loan interest rate. They asked that I look it up myself. This is poor customer service, and upon being asked, a loan company should be able to disclose this information to a customer. I am concerned that they are failing to disclose. vital loan and interest information to customers. The supervisor I spoke with was XXXX XXXX This should not be happening to any loan customer. I was very dissatisfied with the verbal transaction that took place.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 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 — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX I was in the process of acquiring my three annual free credit reports, I received two without issue, however, " Transunion '' is unable to provide me with a report and contact with Transunion is extremely difficult unless you're purchasing a product. During the process of verifying my information, I was being asked questions that were not pertinent to me, for example, one question indicated someone who has a mortgage or lives with me in XXXX, TX and indicates my wife 's name, I divorced her in XXXX and I sold that house somewhere around XXXX or XXXX, I checked " none of the above '', this they were asked about phone numbers and zip codes that I've never had. Every time I would get a message stating they are unable to verify who I am. I've had issues with Transunion in the past and filed a complaint, they are the most deceptive when ordering products and now the information the are requesting is not even remotely pertinent to my circumstances, this issue is of concern, if they cant get this right what else incorrect? All I want is my free credit report as dictated by law, I have the ability to verify my identity when asked questions currently or otherwise in the couple of years associated with my circumstances, furthermore, when selecting the link from the email sent to me, all it say is site not available, calling them is futile and getting through is difficult unless your purchasing a product.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: GA

Complaint narrative:
I refinanced my loan with XXXX in XX/XX/2020. Since then, I have paid additional amount to gradually reduce my principles. However the balance does not fully reflect all the money I have paid. I tried to contact the service co. ( BSI Financial ) but nobody can be reached. 

I would like to have a full history of my long balance changes.

Company response to consumer: Closed with explanation