vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-11 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: VA

Complaint narrative:
This complaint is being submitted with regard to a {$100.00} XXXX Gift Card I purchased from the XXXX Grocery Store located at XXXX XXXX XXXX XXXX, XXXX, VA XXXX on XX/XX/2020. I purchased a couple of Gift Cards in XXXX to be used as XXXX gifts when I was receiving extra stimulus benefits. 

The gift card was given to my granddaughter as her XXXX gift, but she was unable to use or activate it. I consequently retrieved the card from her and contacted XXXX USA in an effort to resolve this issue. 

After my call to XXXX USA I was directed to submit a fax along with a copy of both sides of the XXXX gift card, a copy of the XXXX Sales Receipt and my contact information. 

I threw away the original cash register receipt, but I checked my bank account and I was later able to determine that I made the purchase on XX/XX/XXXX, and with the help of my XXXX Plus Shoppers Card the XXXX Corporate Bookkeeping Office provided me with a copy of the Receipt Details statement for my entire purchase on that date. 

In my effort to resolve this issue I made multiple follow-up phone calls and submitted/faxed the requested information and documents THREE times as requested/required. In my follow-up phone calls I was told that I had to CONTINUE submitting/faxing the SAME information once again. 

The first time that I called I was told that I needed to submit a copy of a government ID, but I was later told that I only needed to submit " contact information '' which I did. ( I overheard the phone agent confer with someone about that specific directive. ). When I called to follow up on the matter I was first told that I needed to submit a government ID ; later I was told that they did not receive the info. I submitted the info a third time and I was told that the ID/license was too dark and I also needed the original receipt. I am not able to provide the original receipt, but I provided them with proof of purchase information that I obtained from the XXXX XXXX XXXX based on my debit card purchase and my XXXX Plus Shoppers Card. I also asked if I could submit the required information via email, because I do not have a fax machine and I was told that I could not. 

Please note that when calling XXXX USA a voice recording indicates that their phone calls are recorded. I make note of this as proof/evidence of my effort ( s ), in the hope that this can support my complaint. 

I shared with the XXXX USA staff that I was concerned that I was getting the run around as part of their effort to discourage me from following up on my claim, because this is a common practice with some businesses, and this is also why I am submitting this complaint. 

Your efforts toward resolving this issue are greatly appreciated.

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 2021-02-11 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: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
Account was paid in full over one year ago

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synergetic Communication Inc
State: VA

Complaint narrative:
On XX/XX/2021, i received a letter from Synergetic Communication, INc. stating that i ow a debt of {$7400.00} for some unspecified reason and a setllment amount of {$1800.00} was offered to me. The letter states that this debt is too old for me to be sued over as the statute of limitations has expired but there is no indication of where and when this debt was created. I have absolutely no idea what this is about and to the best of my knowledge i don't owe any debts to any one. I have no idea how to proceed with this as i am afraid if i send anything in writing to the debtor it will restart the statute of limitations and create a bigger mess for me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Citibank locked my checking and savings accounts after I opened them online in XXXX oXXXX XXXX They never informed me when they locked them nor why they locked them. I found out when I attempted to make a transaction and I couldn't. I chatted online with them and also telephoned them and I was told the issue needed to be resolved with their fraud prevention team. I had no Idea why this happened. I have tried many, many times to resolve this issue to no avail. They keep telling me that I need to be fully verified first before they can acknowledge that they are talking to me. They attempted to send a text to my cell number so that would verify my identity. I have a prepaid cell phone ( XXXX XXXX plan because I only use it for emergencies and I don't want to spend a lot of money for a monthly plan. Apparently, my prepaid cell phone does not work for getting their verification texts. So, they tell me there is nothing they can do. I tell them they could verify my identity any other way and they say they can't because they are using a third party verification. So, I keep getting no where and they have my money and I don't have access to it. Then, one supervisor told me to go to the nearest branch ( 40 miles away in XXXX, NJ ) with 2 forms of Identification and they would unlock my accounts. My son and I went to the branch with many forms of identification. The Citibank banker called the fraud prevention team. We were there for longer than 45 minutes during this Covid pandemic ( I am XXXX years old! ) and the fraud prevention team told the banker that they wanted to sent a text to my prepaid phone which I've already explained does not work. Even the banker at the branch became frustrated with this fraud prevention team. He told them " the account holder is sitting right here and has several forms of ID '' again to no avail. The banker then had an Idea. He changed the cell number in my profile to my daughter 's cell ( not a prepaid plan ) and told me to wait a day for the system to update, then call fraud prevention in a day or two. I did and still no good - I'm guessing because he changed my profile while my account is locked. I keep calling and calling and Citibank keeps giving me the run around. They have my money and they won't give it back! I am an XXXX year old woman and I need this money. The other day, I called the branch manager at the XXXX, NJ branch and he told me there is nothing he could do. I asked him if I'm just supposed to let Citibank take almost {$16000.00} from me? His response was that perhaps in a few years the money could be claimed on behalf of my estate. I can not believe this. How could Citibank just STEAL my money like this? This is criminal and ELDER ABUSE. Please, Please help me!

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 2021-02-11 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: Scratch Financial, Inc.
State: NJ

Complaint narrative:
SCRATCHPAY HAS NOT UPDATED AL 3 BUREAUS ON A PAID LOAN

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: WAKEFIELD & ASSOCIATES, INC.
State: AZ

Complaint narrative:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Additionally, please provide proof of the original loan or credit application that I signed with your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 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: ACIMA CREDIT, LLC
State: PA

Complaint narrative:
Account was paid in full over one year ago

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: NY

Complaint narrative:
On XX/XX/XXXX, I submitted a complaint ( FSA Feedback Case : XXXX ) to understand better the status of my application for TEPSLF. I was told there was nothing to be done to address the following concerns, but to wait. Here was my original concern : I started the TEPSLF process on XX/XX/XXXX, sending in my request to XXXX, as directed ( email attached ). I received confirmation of my request via email on XX/XX/XXXX ( email attached ) .I received my PSLF 'denial, ' as expected, on XX/XX/XXXX. All was going according to plan! Six weeks later, on XX/XX/XXXX, I called XXXX for an update on my application, and I was told that I did not have an active TEPSLF application on file, that I was 'denied. ' I did not receive any written notice of this denial. The Representative told me that this denial was due to the fact that I submitted my TEPSLF request prior to having a PSLF denial on file, which was a mistake. He said I did everything right and that he could not explain why this happened and apologized for the error. I asked to speak with a Supervisor. When I asked the Supervisor if my TEPSLF application could be re-activated or back-dated, to keep my place in line, I was told that was not possible. I was instructed to start the process over by emailing TEPSLF again. I emailed immediately on XX/XX/XXXX ( email attached ). I did not receive a confirmation email from XXXX as I had after my initial email in XXXX, so I called XXXX to confirm my 2nd request had been successfully received. My 2nd application was on file. I received notification on XX/XX/XXXX ( email attached ) that I had met the employer requirements and 120 qualifying payments ( as I expected ) and FSA would complete a final review for forgiveness. I have called XXXX every 2 weeks since then to check the status. I am often told conflicting information - it can take 30-90 days or it can take 180 days. One person even told me no applications will be forgiven until the CARES Act expires ( which can't be true ). The TEPSLF Program is first-come/first-served with limited funds. Starting the process over on XX/XX/XXXX meant I lost about 45 days of progress, nearly a month-and-a-half. I am now 3.5 months into waiting for a decision - FSA has had my application since at least XX/XX/XXXX - and I have been told it could be another 2-3 months! I write to kindly request that my application for TEPSLF be moved up in line for consideration ( back-dated to XX/XX/XXXX ) given the erroneous denial and unfortunate 45 day delay.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-11 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
XXXX Is the original claim number, the complaint was closed, stating that my bank charged back the amount. This was a temporary charge back until the claim was rectified by paypal. I showed documentation of the fraud that was being committed by paypal. It was by using my information as a guest login in order to pay for services that were not received. When i was redirected after paying paypal ( after amount confirmation ) it was re-routed to a donation. I dont know the person that the donation was given, i did not intend to donate anything. I showed documents of me paying for two XXXX XXXX XXXX it is within the original complaint which is stated above. 
My bank provided me with consumer finance since they can not help me since the payment was made through paypal. I have tried countless times to address this with paypal, but they consistently closed my case and are not actually looking at the documented evidence within my case. Similar to what you did ... i provided a confirmation amount for goods. I showed the fraudulent donation page that i was rerouted towards after being forced to pay as guest i showed the bank statement on XX/XX/21 that had yet another fraudulent name posting to the debit on my account. Paypal can not locate this because they provided separate names for each stage of this transaction. I contacted paypal the exact date of the order being placed and was advised that I HAD TO WAIT FOR THE AMOUNT to PROCESS AND POST to my account, despite having immediately notified them that i was re-routed to this donation page. Then i could not make a claim because it stated that donations are not eligible. I tried to explain the fraud, they even have a statement, and i sent in proof that i was attempting to pay for goods not make a donation. They brushed me off. Additionally, they told me i had to go through my bank ... .which is what i did, they refused to talk to each other, and sent my to consumer finance, where i have been yet again ignored, and case closed despite having supporting documentation entirely. If this is not resolved, i would like more information on consumer attorney.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-11 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
all 3 bureaus have not updated my loan with XXXX I have a zero balance and its still shows the original balance

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 2021-02-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am working with XXXX  on removing some accounts off of my credit reports due to me winning a case with a lawyer. XXXX has been trying to get them to contact me and I have received nothing so the process is now taking almost a year and it still is not complete. Multiple attempts have been made to removed them, with proof and they will not budge or communicate with me with their findings as they should. I have tried to make my own disputes and nothing has changed. I am not sure what else to do or how to have these items removed immediately. As I stated this process was started almost a year ago and it should not take this long.

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 2021-02-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
In XX/XX/XXXX, I took advantage of the Promotional Offer on my credit card from Bank of America. The offer said " Save big your way '' in large print at the top. It provided a variety of examples of how you could use the funds : you could consolidate debt ; repair your car ; funded planned or unplanned expenses ; improve your home ; pay individuals. 

There were 2 checks provided to take advantage of the offer. Check # XXXX ( Offer XXXX ), which I used, offered 0 % interest until XX/XX/XXXX. Check # XXXX ( Offer XXXX ) offered 1.99 % interest until XX/XX/XXXX. 

Each option included " A 4 % fee applies to each transaction, {$10.00} min. '' So, using Check # XXXX, I wrote and deposited the check for {$26000.00} to my checking account. I needed the funds for a number of the purposes they listed, and others, so writing one large check was way more practical. 

I set up automatic payments of {$500.00} per month and paid off the balance in XX/XX/XXXX. In the payoff process, I discovered that they had charged me {$1000.00} for the transaction fee and {$3300.00} in interest during those 10 months. 17 % in 10 months, rather than 0 % for a year. 

When I called to clear up the problem, I talked with several people and sent a copy of the promotion. After about a week, they pointed to the very finest print at the bottom of the page which states " Direct deposits or Checks made payable to self of cash are not eligible for these offers. '' This seems highly deceptive and I was disappointed in their response, especially since I've been with their bank, or predecessor XXXX XXXX, for 41 years. Maybe its time to find new bank. 

" Save big your way. '' in bold print at the top. Small print exception at the bottom. Is this a good way to do business? 

Thanks for your time. I would like to send a copy of the promotion if possible.

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 2021-02-11 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: Resurgent Capital Services L.P.
State: UT

Complaint narrative:
LVNV Funding is reporting a debt on my credit file that is not mine. I had tried to get in contact with them and explain that i was a victim of identity theft. Someone opened this account under my name but it was never used. The balance that was sent to collections is made up from their fee 's for opening the account and for being " late '' on these payments. I NEVER opened this account and wasn't aware this was even on my credit until i checked recently. I called and tried to work with LVNV Funding and came to the conclusion that i should settle the debt because it was significantly affecting my scores and for the balance it was not worth it to fight and continue to damage my scores. Now the debt is completely settled and I'm so over dealing with LVNV Funding for a debt that isn't even mine. I tried to get a deletion letter from them for the reason that it is not my debt and they would not supply that to me which is very ridiculous because i paid this debt even when it wasn't mine!!!! I NEED LVNV Funding to remove this erroneous debt from my credit file. It is not mine, it is paid, and it is affecting me being approved for financing and it is causing hardship on me, i can not have this debt that isn't even mine on my credit file anymore. I need it to stop damaging my scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 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: NJ

Complaint narrative:
all 3 bureaus have not updated my loan with XXXX I have a XXXX balance and its still shows the original balance

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 2021-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Bank of America originally listed a Power of Attorney which was recently changed. This most current POA was hand-delivered to the Reading, MA branch while meeting with a customer representative who stated that until the new POA is approved, this account will remain frozen for deposits and withdrawal which will take a couple of days, but we will let you know when it has been released for banking. Well, two days later after submitting this updated POA change, within two days, this account had a withdrawal of {$9700.00} by the previous POA and BOA allowed this to be withdrawn. We have tried to contact BOA to get this resolved, but they never called back after several attempts and the account still remains deficient of the illegal withdrawal of {$9700.00}.

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 2021-02-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: MD

Complaint narrative:
Loan Depot contacted me after I sought mortgage refinancing options and was looking for a lender to compare rates. They began with a very user friendly interface and took all of my required documentation. Now over two months later, they either ignore requests for updates or offer explanations that don't make sense. I've spoken with managers and it does not resolve the problem. I have a strong credit score, provided all necessary documentation, and have been told the loan was approved. I am legitimately concerned that Loan Depot is a scam and has simply stolen my financial information. 

This process began XX/XX/2020. The locked rate period has expired and I still have no information from Loan Depot about when the refinancing loan will close. I have chosen to take my business elsewhere but I am concerned about identity theft by Loan Depot. Regrettably, I did not find similar complaints about Loan Depot when I began the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 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: OneMain Finance Corporation
State: MS

Complaint narrative:
The company is reporting an account on my XXXX report with 2 different account numbers and 2 different last activity dates. Also one account show delinquent and the other shows paid as agreed. I have called this company several times about this issue and I have also disputed this with XXXX. XXXX is not cooperating either. Its is against the credit reporting laws to reports duplicate accounts. The attached documents are marked with the incorrect information being reporting to XXXX. I will seek legal credit reporting assistance if needed.

Company response to consumer: Closed with non-monetary relief