vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I filed a dispute with Citi Bank to request a refund for two separate charges from the merchant XXXX XXXX XXXX XXXX. The original agreement was to set an appointment to style my hair in which I had cancelled but the stylist never refunded me, then a month later, they charged my credit card again without any explanation and would look into it and issue me a refund but never did. They eventually blocked me from communicating with them and I am currently out almost {$800.00}! 

The merchant was : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX || XXXX || XXXX XXXX I sent over all communications that I had with this stylist/merchant and the dispute team did not do the due diligence of honoring the refund, crediting my account, and charging the merchant back the funds. 

The appointment had been made directly with the stylist, through text, not the XXXX party booking app XXXX. The stylist made the booking through XXXX and did not honor cancelling the appointments as we discussed through text message. I tried numerous methods to work with getting a refund from the merchant. I asked for the full refund because I cancelled the appointment, I tried giving leeway to letting them keep 25 % of the initial {$380.00} charge even though services were not provided! Afterwards, the merchant blocked me from communicating with them and refused to provide my refund, which is where Citi Bank comes into play. 

For the dispute, I submitted screenshots of text messages, emails, proof of contacting the 3rd party company XXXX and even going as far as to include medical evidence to prove my cancellation. I found it a bit excessive to provide medical receipts, but I was willing to provide a strong argument for my case that I was owed a refund. Unfortunately, I was denied by Citi even though I did everything I could to resolve the issue with the stylist and charges, they did not look out for their consumer. 

I will be sending over more information to Citi for an appeal regarding the dispute to Citi Bank with even more documentation than I originally submitted. I went as far as to prove that the 3rd party booking company XXXX stated that the stylist does have the ability to provide a refund! Regardless, the merchant should not be paid for something that didnt happen!

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 2022-08-25 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: EQUIFAX, INC.
State: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act the following creditors XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account XXXX XXXX, Bankruptcy Reference # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act the following creditors XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account XXXX XXXX, Bankruptcy Reference # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-08-25 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: PA

Complaint narrative:
I am writing to the CFPB in regards to the false reporting on my credit reports from all three bureaus.I am the victim of identity theft and have filed with both the IRS and social security administration regarding this situation. The theft was brought to my attention by the IRS when I e-filed my XXXX return. I was notified that my social security number was not matching my birthdate on file. This started my thorough review of all three bureaus reporting information and found numerous issues with aliases, addresses, accounts and companies reporting account that were either closed or passed on to collection. 
In trying to safeguard my file I diligently wrote to all three bureaus and disputed all inaccuracies reported and have had some success in rectifying this damaging situation. 
One account reporting in collections is from XXXX XXXX XXXX, Report # XXXX, for the amount of {$3000.00}. This account was bought by XXXX in XXXX and they have not provided me with the requested information to substantiate this account such as- commencement agreement with my signature, all statements on the account to date and to what address the statements were sent and how were payments made if any on this fraudulent account. none of which has been provided to me. Another fraudulent account under XXXX XXXX XXXX has been removed as they could not provide the requested information requested and XXXX removed the reporting. Since then, a second request was sent to XXXX to remove the account still reporting and they have not. They have not provided relevant documentation proving ownership of this account and continue reporting the fraudulent account on my report. I have involved the IRS, Social Security Administration and FTC as well as my attorney general. Further, Transunion Continues to report both XXXX XXXX Accounts under my report as well and have not provided due diligence in removing these. I have had to cancel all credit cards, notify my bank and submit affidavits, change my passwords on all external billing sites and monthly direct debits for bills. This is frustrating and unfair that I now have to work to remove these inaccuracies and have zero consumer protection from said credit bureaus. I am filing with the attorney general if these issues are not remedied, against XXXX XXXX XXXX and the bureaus for the continuous false reporting. I have supplied the bureaus with the following ; social security card, passport, drivers license, birth certificate, address for the past two years and the government affidavit to the IRS. 
I welcome any help that the CFPB can lend.

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 2022-08-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Block, Inc.
State: CA

Complaint narrative:
Our non profit and has had {$600.00} removed from its account illiegally by Square our online payment system for parent fees. An illegal refund was reuqested on Tuesday XX/XX/XXXX at XXXX alerting us to a refund for a XXXX XXXX We did not make such a request. The next day our bookkeeper went to the bank to inform them to put a stop on the refund. We contacted Square everyday from XXXX until today XXXX XXXX and they have continually told us they were dealing with the refund. Our bank XXXX XXXX told us today a second refund was withdrawn by Square. The parent who XXXX XXXX  this belongs too send us an email to tell us the account for this card was closed in XX/XX/2021 and did not dispute any charges of our account. The parent has also contact XXXXXXXX XXXX  filing a fraud dispute on the account. We can not get XXXX XXXX or Square or XXXXXXXX XXXX to take any responsibilities over the missing funds. 

We have emails dates and time and all information to send to you to assist us with obtaining a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Dear sir/madam, I received my billing statement on XX/XX/2022 for the period from XXXX - XX/XX/2022 and observed a late fee of {$29.00} charged to my account which was included in the total amount due of {$410.00}. I immediately called the customer service of Bank of America to ask about the fee and the customer service agent told me that I did not pay the last bill of {$26000.00} due on XX/XX/2022. I told her that I did not pay because I did not receive that statement and the late fee should be removed from my account. I confirmed my address and she put me on hold. After that she said she can not refund that late fee because that statement was not returned to them. Then I spoke to her supervisor and told him that I always paid previous bills in time and in full. If I had received that statement, I had done the same but I honestly did not receive that statement but he refused to issue the refund. I called customer service agiain on XX/XX/XXXX and a female agent again denied refund. My argument is that either the statement was not sent to me at all due to some error or it was lost somewhere in the mail. Therefore, the refund of {$29.00} should be issued to my accout.

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 2022-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I opened this claim XXXX agains TD BANK. They sent me a letter saying that the charge back request is under review, they credited my checking account with the disputed amount, and a few weeks ago the bank revoked that credit without any letter or comunication telling what is going on with the dispute. 
The merchant never sent the items to my address...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 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: OH

Complaint narrative:
Credit card Account balances are XXXX balances are incorrect not updated XXXX XXXX, XXXX XXXX, and XXXX XXXX credit card

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 2022-08-25 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: CA

Complaint narrative:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/XXXX Ive already included this report in my previous letter & I am including it again. Also, the information you provided on the account is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6800.00}, XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$5200.00}

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 non-monetary relief
Consumer complaint received 2022-08-25 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 — Their investigation did not fix an error on your report
Company: World Acceptance Corporation
State: GA

Complaint narrative:
World acceptance corporation is in violation of my Privacy I didn't sign nor consent to them reporting XXXX XXXX. I'm Demanding them to send me Documents, files, and or Statements where I've signed stating I gave them permission to report my Personal Information. I sent them a Cease and Desist With my Demands See Attachments. 15 U.S. Code 1692c - Communication in connection with debt collection they are Directly Violating this section without regard of my Non public information being involved ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post-judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.

( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ).

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$750.00}

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 non-monetary relief
Consumer complaint received 2022-08-25 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ).

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$750.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ).

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$750.00}

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 2022-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
A check was written last year in XXXX XXXX in the amount of {$650.00}, for a house that I was renting at the time. I've tried to stop payment on the check due to the fact that the check was lost as per the landlord at the time. I tried stopping the payment on the check with Wells Fargo, the representative told me not to worry about it due to the fact that the check is past 180 days, and that it would be no way possible to cash if it was found. The person has been compensated already for that amount. I check my account on XXXX XXXX to find out that the check had just been posted to my account 15 months later. I have spent countless hours on the phone with every department in that facility. Some representative agreed that the check should not have been cashed being that it was expired and I would receive my money back. I wasn't issued a provisional temporary credit as the representative stated from the moment the claim was filed. I have spent every single dollar that I have earned trying to resolve this issue. I have driven XXXX plus miles making daily deposits to this bank because of their negligence. They failed to do an investigation the correct way, not to mention the check was also tampered with as well. The customer service department have no consistency of policy and the way the bank handles situations that occur. I kept getting transferred to different departments over the course of the last 12 days. I am constantly told that I will receive a call back in 24-48 hours. I have had 4 XXXX and counting due to the stress this issue has caused on my life as well as my family. I have spent unnecessary money and time because of Wells Fargo accepting an expired check.

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 2022-08-25 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. In previous months, I requested updating of inaccurate information which another credit reporting agency found to be inaccurate and had verified. Due to your lack of response, or responses which I classify as frivolous, you have dishonoured FCRA regulations and my request for verification. If you wish to correct this dishonour, I will give you one more chance to correct your errors and update my records. Please CORRECT the items, as they were already corrected from the other bureaus. You have 30 days to CORRECT these items listed below : XXXX XXXX XXXXXXXX XXXX Date Opened:XXXX  Balance : {$360.00} XXXX Late Date XXXX, XXXX XXXX XXXXXXXX Date Opened:XXXX Balance : $ XXXXLate/Closed Late Dates 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 2022-08-25 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: NY

Complaint narrative:
XXXX is reporting a credit account on my report that doesn't exist. I called XXXX and provided my social security and no records were found yet they have a negative account reporting on my Experian 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 non-monetary relief
Consumer complaint received 2022-08-25 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: OH

Complaint narrative:
Credit card Account balances are zero balances are incorrect not updated XXXX XXXX, XXXX XXXX, and XXXX XXXX  credit card

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