vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
i changed my card due to wear and tear. i got my new card with a different cvv - it had allowed me to use the card upon activation to withdraw XXXX. I proceeded to do another withdrawal but i get a message on the machine error XXXX as the response code. I went inside citibank and they said my account looked fine and issued me with a temp card as they order a new one. i then started to use the card to see if it worked withdrawing money and i got the same error XXXX, I went back inside the bank and they called the security department who told the manager of the bank that my account is under review. they told me that i had to wait XXXX XXXX to make a decision. i am scheduled to fly out on saturday -.and have no funds to go to my mom 's funeral. in the interim i am unable to withdraw or do anything

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 2021-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Verisk Analytics Inc
State: VA

Complaint narrative:
I contacted XXXX aka verisk financial about inaccurate information on my credits report but they refused to address the issue. XXXX make me go in circle instead of addressing the issue. 
They admitted that they did not have a proof that the information belong to me since they obtain the information via " obtained from a publicly available source ''. If that is so how did XXXX know that the information belong to me without having 10 percent of my personal information. They must delete the information or proof beyond doubt that those information belong to me by producing the same Address, Date of birth, Social security number. Otherwise they should refrain from furnishing wrong information to my credit files. 
I attached their response below. Which is insincere and circular argument letter I never seen.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 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: EQUIFAX, INC.
State: TN

Complaint narrative:
1. This is a violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose XXXX XXXX Date of inquiry : XX/XX/2021 Please delete it from my credit report. 

2. This is a violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose XXXX Date of inquiry : XX/XX/2021 Please delete it from my credit report. 

3. This is a violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/2021 Please delete it from my credit report. 

4. This is a violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose XXXX XXXX Date of inquiry : XX/XX/2021 Please delete it from my credit report. 

5. This is a violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose JXXXX XXXX Date of inquiry : XX/XX/2021 Please delete it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I had a medical collection bill that opened on Experian XX/XX/XXXX. It was from the agency XXXX XXXX XXXX. On XX/XX/XXXX, the collections account was deleted from my credit report. On XX/XX/XXXX, my credit score on my Experian credit report fell 64 points because they sold my information to " XXXX XXXX  XXXX '', who then reinserted it on my credit report. I was not notified by Experian that this change would happen. According to the FCRA, " if an item is erased and is reinserted afterwards, the FCRA requires that the CRA send you a written notice of reinsertion within 5 days ''. They did not do this ; therefore, it was a violation of the FCRA. Also, I am not certain but I don't think its okay for my information from a health care facility should be sold to collections who also sell to other collection agencies since it contains Protected Health Information like my billing information which is protected under HIPAA. Please look into this for me. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-19 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: TN

Complaint narrative:
1. This is a violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose XXXX XXXX Date of inquiry : XX/XX/2021 Please delete it from my credit report. 

XXXX. This is a violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose XXXX Date of inquiry : XX/XX/2021 Please delete it from my credit report. 

3. This is a violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Please delete it from my credit report. 

4. This is a violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose XXXX  XXXX Date of inquiry : XX/XX/2021 Please delete it from my credit report. 

5. This is a violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose XXXX XXXX  Date of inquiry : XX/XX/2021 Please delete it 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 2021-05-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
I I was using PayPal. to purchase an app on the XXXX XXXX XXXX, and then they suddenly restricted my accounts, preventing me from withdrawing or sending money. They request my valid ID, bank statement, and business information, which I am unable to supply. I seek their assistance, and they advise me to compose a letter stating why I am unable to provide documents, which I have done and submitted. Then, on XX/XX/2021, they permanently restricted my account, and I am unable to communicate with them. It is affecting me a great deal as i used Paypal quite frequently, My email link to my Paypal account is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
Paypal wont let me take my money off my account they have been holding down my money for over a year, i tried multiple times to fix this then they told me to place a call which i did and i was told a check would be sent to my address and they never send it, and i kept calling and calling the just keep whining! payment was received in my paypal account XX/XX/2020 email linked to my paypal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: CA

Complaint narrative:
I purchased a new home in XXXX 2020..I applied for a tax reduction from the XXXX XXXX by using prop XX/XX/XXXX which you can transfer your old tax base from your old house to your new house..I was granted the tax reduction in XX/XX/XXXX. But I needed to wait for my supplemental tax bill. Once I received it in XX/XX/XXXX s was notified that the loan was being transferred to PNC Bank starting in XXXX 2021.so I started the process in XX/XX/XXXX, XXXXI was told to fax over the yearly property tax bill and the supplemental tax bill which verified my new tax obligations.I keep being given the run around..by saying it being reviewed, so I received I sent the ed supplemental bill to Pnc Bank because I knew was overpayments in my escrow account.thry paid the bill then increased my mortage, then they changed it back and send me around {$1500.00} after paying my {$440.00} supplemental taxes..But the won't reduced my payment. So I complain to the Corporate office at PNC Bank.I received a call from XXXX XXXX on XX/XX/XXXX He seemed XXXX sent XXXX all of the documents again on XXXX XXXX.He said he would get right on it.Now He ask me for something I already sent him..so I sent it again..Now I cant get XXXX on the phone not will PNC bank help me because XXXX is in charge..i need help..I 'm paying {$700.00} in property taxes monthly my new estimated tax are around $ XXXX.please help.. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank blocked access to my debit card from XXXX. 
As an XXXX  American dependent on my XXXX XXXX income, loss of access to my funds caused me great distress and anxiety. Furthermore, Citibank did not release funds to pay a bill. My debit account was blocked. 

The potential for harm came because I was on vacation, away from home, by myself when the account was locked. 

There weren't any branches anywhere near my location, at the time, California. Phone calls with Supervisors were fruitless. 

Citibank did send another debit card to my home address however, I was not anywhere near there.

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 2021-05-19 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Hello there I am XXXX XXXX. On XXXX XXXX 2020 someone withdrew {$740.00} from my EDD account with Bank of America and now they dont want to return this money I have try for many different ways but they just dont want to give me my money back. 
That happened on XXXX XXXX Ca they told me that it happened about XXXX XXXX  I really need your help with this matter.

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 2021-05-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Army and Air Force Exchange Service
State: FL

Complaint narrative:
This is a continuation of this complain, XXXX. XXXX XXXX XXXX and the XXXX XXXX XXXX XXXX is extorting my daughter for being ignorant of the law. They refuse to settle this case and they have taken her income tax check of {$1900.00} in a pandemic. This account was settle in the court in the state of Idaho. These charges were made by her now ex husband without her consent, and he agree to paying it in a court of law. " garnish his taxes '' The credit limit on the XXXX XXXX XXXX account was {$1900.00}, This case should be closed and documentation stating its closed should by sent to us as well as the credit agencies. 

Please review and advise XXXX XXXX XXXX, XXXX XXXX of 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 2021-05-20 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: IL

Complaint narrative:
Filed a complaint with XXXX XXXXXXXX on the following dates : XXXX XXXX XXXX All for the same issue of my current credit card Which was opened on XXXX XXXX not appearing on my experian credit report. I have filed a complaint directly with experian and it still has not been resolved. Inaccurate data is being reported and that is not okay. The inaccuracy of reporting is causing a great financial burden for me and my family.

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 2021-05-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: FL

Complaint narrative:
I may have fell behind with the payments but i also paid double the monthly payment on XX/XX/XXXX which i thought would cover XXXX and XXXX then also paid more than triple the payment on XX/XX/XXXX {$2100.00}. I thought that would cover XXXX and part of XXXX. XXXX was 30 days past due in XX/XX/XXXX, ( 30 days late ) and i made a payment XX/XX/XXXX of {$2100.00} which should have covered XXXX, XXXX, and XXXX  100 % and left over approx $ XXXX late fees towards XXXX XXXX payment. which would have not really have been late until XX/XX/XXXX and you received a payment before that due date ; however, i have 5 late payments reporting in the last 5 months not 2 at the most based on the payment details outlined above. Please see the attached letter. I'm humbly asking for help with this matter.

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 2021-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Santander Consumer USA Holdings Inc.
State: LA

Complaint narrative:
I have an auto loan with Santander Consumer USA on XX/XX/XXXX. I unfortunately had to declare bankruptcy in XXXX, XXXX. I signed a reaffirmation agreement on XX/XX/XXXX with Santander stating I would continue making my regular monthly auto payments to Santander Consumer USA. My bankruptcy case was XXXX XX/XX/XXXX. 
One week ago, I tried to refinance my car in order to get a lower monthly note. Upon finalizing the deal, the lender told me they could not finish the loan due to the fact that Santander has NOT reported ONE single payment after my bankruptcy to any of the three credit reporting bureaus. I called my attorney, she re-sent me the Reaffirmation paperwork, I called Santander Consumer USA back and told them they were obligated to report my monthly payments to the credit bureaus and they told me, after speaking with the manager on duty, they did NOT and would NOT ever be reporting any payment of mine since the discharge nor any future payment I made. I asked what my options were and they told me : I have one option ... pay the entire loan off. What a XXXX auto loan company ... that IS against the law and I want to know what you will do about it since I see there are MANY unhappy customers who have also been screwed over by Santander XXXX. This is grounds for discrimination, defamation of character and surely an FCC violation and fraud! Please teach Santander Consumer USA a valuable lesson so they do not have the chance to hurt other vulnerable blue-collar workers just trying to take care of themselves and their families, please.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Filed a complaint with capital one on the following dates : XXXX XXXX XXXX All for the same issue of my current credit card Which was opened on XXXX XXXX not appearing on my XXXX credit report. I have filed a complaint directly with XXXX and it still has not been resolved. Inaccurate data is being reported and that is not okay. The inaccuracy of reporting is causing a great financial burden for me and my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: LA

Complaint narrative:
The following collection agency has damaged my credit reports with false claims that I owe them. I have never signed a contract with this company agreeing to pay a debt. National Credit Adjusters

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 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: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
I disputed a medical collection with ARS that was reporting on XXXX and XXXX  and requested validation under the guidelines set forth by the FDCPA, Texas Finance Code and HIPAA. ARS responded but did not send any documentation to support their claim that I owe the amount reported. A demand for removal was sent to ARS and they received it on XX/XX/2021. However, instead of removing it as they should have per federal and state law, they opted to report the disputed account to XXXX. This act has severely damaged my credit reporting and is concerning since each account newly reported was in dispute. I have attached documentation to show that the dispute had not been resolved and this act may have possibly violated several consumer protection laws.

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 2021-05-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Chime Financial Inc
State: NC

Complaint narrative:
CHIME. suddenly close my account without any reason, last transaction i made was buying a pizza from XXXX! and i still have about {$25.00} left in my account. 

email attached to the account XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Everest Receivable Services Inc.
State: AL

Complaint narrative:
Rude agent refused to send an initial demand letter. She lied and said she sent three letters and I never received any of them. I have been at my address for XXXX 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 2021-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I have an auto loan with XXXX XXXX XXXX on XX/XX/XXXX. I unfortunately had to declare bankruptcy in XXXX, XXXX. I signed a reaffirmation agreement on XX/XX/XXXX with XXXX stating I would continue making my regular monthly auto payments to XXXX XXXX XXXX. My bankruptcy case was XXXX XX/XX/XXXX. 
One week ago, I tried to refinance my car in order to get a lower monthly note. Upon finalizing the deal, the lender told me they could not finish the loan due to the fact that XXXX has NOT reported ONE single payment after my bankruptcy to any of the three credit reporting bureaus. I called my attorney, she re-sent me the Reaffirmation paperwork, I called XXXX XXXX XXXX back and told them they were obligated to report my monthly payments to the credit bureaus and they told me, after speaking with the manager on duty, they did NOT and would NOT ever be reporting any payment of mine since the discharge nor any future payment I made. I asked what my options were and they told me : I have one option ... pay the entire loan off. What a XXXX auto loan company ... that IS against the law and I want to know what you will do about it since I see there are MANY unhappy customers who have also been screwed over by XXXX XXXX. This is grounds for discrimination, defamation of character and surely an FCC violation and fraud! Please teach XXXX XXXX XXXX a valuable lesson so they do not have the chance to hurt other vulnerable blue-collar workers just trying to take care of themselves and their families, please.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 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 — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am trying to get my credit score from Experian - Membership ID # XXXX and they keep saying I have no credit score to receive? They keep saying I have to go and open more account? because they need multiple creditors reporting at the same time? I paid a fee of {$8.00} that was charged on my card for this score. on XXXX I called in 7 time and each time they transfer me to a different department asking for my information. After I give it they cant figure out why I cant get my score. I asked to speak with a supervisor and he Explained he would not give any score unless I open accounts. I opened a secured credit card a year ago to establishes better credit. They would not update that information at all unless I have more open accounts? I don't wont to be on the website that disables my freeze & opt out status so creditor offer me preapproved credit cards with there soft inquiry 's that end up on my report. I asked for my personal information, employment history, contact numbers, be deleted for this reason. I am trying to porches a home, but I need to see what is my current score so I can get an interest rate.

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