vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-15 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: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
Navy federal credit card got close had a secured credit line by the they close for I dont why! And they wont take the XXXX that were secured I use to open and they wont do nothing and they keep updated over and over again making my credit go Lower i be trying for the last 3 years

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 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: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-11-15 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: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-11-15 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: CITIBANK, N.A.
State: SC

Complaint narrative:
XXXX XXXX credit card got close had a secured credit line by the they close for I dont why! And they wont take the XXXX that were secured I use to open and they wont do nothing and they keep updated over and over again making my credit go Lower i be trying for the last 3 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 2022-11-15 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: SC

Complaint narrative:
XXXX federal credit card got close had a secured credit line by the they close for I dont why! And they wont take the XXXX that were secured I use to open and they wont do nothing and they keep updated over and over again making my credit go Lower i be trying for the last 3 years

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 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: NJ

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 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: NJ

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-11-15 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: NJ

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-11-15 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: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
Hello, My name is XXXX XXXX My paypal account is XXXX. 

I received notification from paypal about my account has been permanent limited reference XXXX. 

I think this arbitration desicion, i never has dispute about nothing. 
I never has any problem asociate with fraud activity. 

I just use paypal for made purshase. 
I always use paypal in a good manner. 

I want get help about this situation if my account never has any dispute or involve in any fraud activity i dont think my account is associate to any risk if i use paypal for many year without any issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax added a fraudulent address to my credit report that had already been reported and removed for fraud. Equifax is also using this fraudulent address to keep fraudulent accounts on my credit report. 

Adding information to my credit that has already been removed for fraud is both negligent and fraudulent on Equifaxs behalf. 

Equifax stated my account was properly investigated. How is that possible if the open date is incorrect, the date last active is incorrect, the date last reported, and other data is not accurate? This is grounds for removal of the account, they also violated my rights under : 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 an account without my written instructions Also the Credit bureaus took more than 30 days to complete my investigation ( received in XXXX ), here is my certified mail tracking : Equifax - XXXX - Delivered XX/XX/XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 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: NY

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 non-monetary relief
Consumer complaint received 2022-11-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Citibank, N. A. closed all of my accounts ( checking, savings, and credit card ) without notifying me. Presumably they closed my accounts because some anti-fraud trigger though they will not tell me the reason. I transferred a lot of funds to these accounts because CITI is offering bonuses to transfer large amounts of money to the accounts within a certain time limit of opening the account. 

I had my Citi XXXX XXXX open on XX/XX/2022 - CITI was offering XXXX Citi XXXX points with {$4000.00} spend, which I earned and these points were available in my account. Now I can not access these points. 

I opened a Citi XXXX XXXX Savings account on XX/XX/2022. CITI was offering a bonus - CITI was offering a {$450.00} cash bonus for funding the account with at least {$50000.00}. I transferred {$68000.00} + to this account, money which I now can not access I opened a Citi checking account on XX/XX/2022 - CITI was offering a {$500.00} bonus for depositing at least {$30000.00} into this account. I transferred {$10000.00} to this account via XXXX from my XXXX account and {$14000.00} from my XXXX XXXX XXXX account ( {$9000.00} & {$5500.00} ACH ) Now I have no access to these funds, no ability to log in to see my prior balances or statements, and no communication from Citibank, N. A. 

They claim that they will mail me a check in 30-60 days but I am unsure of exactly how much money I had in my accounts ( it is at least {$92000.00} from my records, not including interest ). 

I have called their fraud prevention number XXXX several times and spoken to an agent. The agent will not give me any information regarding why my account were closed. Both times I called I requested to speak to a supervisor and was told that a supervisor would call me back later that day. I was never contacted by a supervisor.

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 2022-11-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 non-monetary relief
Consumer complaint received 2022-11-15 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 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: PA

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 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: PA

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-11-15 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: PA

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-11-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: VYSTAR CREDIT UNION
State: GA

Complaint narrative:
XXXX added a fraudulent address to my credit report that had already been reported and removed for fraud. XXXX is also using this fraudulent address to keep fraudulent accounts on my credit report. 

Adding information to my credit that has already been removed for fraud is both negligent and fraudulent on XXXX behalf. 

XXXX stated my account was properly investigated. How is that possible if the open date is incorrect, the date last active is incorrect, the date last reported, and other data is not accurate? This is grounds for removal of the account, they also violated my rights under : 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 an account without my written instructions Also the Credit bureaus took more than 30 days to complete my investigation ( received in XXXX ), here is my certified mail tracking : XXXX - XXXX - Delivered XX/XX/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 2022-11-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax added a fraudulent address to my credit report that had already been reported and removed for fraud. Equifax is also using this fraudulent address to keep fraudulent accounts on my credit report. 

Adding information to my credit that has already been removed for fraud is both negligent and fraudulent on Equifaxs behalf.

Equifax stated my account was properly investigated. How is that possible if the open date is incorrect, the date last active is incorrect, the date last reported, and other data is not accurate? This is grounds for removal of the account, they also violated my rights under : 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 an account without my written instructions Also the Credit bureaus took more than 30 days to complete my investigation ( received in XXXX ), here is my certified mail tracking : Equifax - XXXX - Delivered XX/XX/XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: CA

Complaint narrative:
Dear XXXX, At XXXX of XXXX we send the payment in XXXX dollars from our account at XXXX XXXX XXXX XXXX XXXX XXXX to our partner XXXX XXXX XXXX XXXX ) via the Bank of New York Mellon XXXX It was a payment for cartridges. 
Amount : {$29000.00} XXXX  : XXXX Senders Reference : XXXX This payment was not received by the payment receiver. 
XX/XX/2022 XXXX XXXX ( XXXX XXXX ) informed us that the payment is in the process of conducting. 
Due to the fact that this amount is essential for our company we ask you to finish your control procedures as soon as possible. From our side We are ready to provide all necessary documents. 
If it is impossible to send this payment to the receiver, please, inform us how we can get our money back. 
Thanks in advance. 
Best regards. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Universal Account Servicing, LLC
State: IL

Complaint narrative:
The weekend of XXXX XXXX I participated in a weekend of classes at the XXXX XXXX XXXX ( XXXX ) in XXXX Illinois. I signed up for additional training at a total cost of {$15000.00} ( financed ) with a {$4000.00} deposit that was to be financed through a third party ( XXXX XXXX XXXX ) at the time I signed up I was not told the contract with this third party had a 3 day right of recessions I would have not signed a with such harsh terms for education. The Tuesday after I made the commitment, I had a family emergency and was unable to participate in the initial introduction call. I spoke with XXXX XXXX who was my POC contact with XXXX explaining that right now this will not be a good time due to my family and new unforeseen financial obligations. He advised that I should contact the third party ( XXXX ) for any recourse, upon contact the 3rd party on XX/XX/XXXX, XXXX I was given a case number # XXXX and told that someone would be in contact with me about what steps I could take to pay for the time I had been in the program although I had not completed any of the courses. 
The next communication I received from XXXX was a notification that my bill was due via text message. I immediately reached out to XXXX and was informed that my 3 days right of recession had passed and they do not offer any refunds. He put me in contact with XXXX XXXX who works as a liaison between XXXX and XXXX who informed that I did not have any recourse all he could do was downgrade my amount owed to {$12000.00} and if payment is not made, I will be locked out of the XXXX system after 30days delinquency and sent to collection This seems to me to be predatory in nature. To be forced to pay for services not rendered I don't think I should be obligated to pay this contact in totality. I did give a deposit but to force to pay {$15000.00} for service that will cause unjust financial hardship on my family does not seem to be fair to any consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: CA

Complaint narrative:
Dear XXXX, At XXXX of XXXX we send the payment in XXXX dollars XXXX our account at XXXX XXXX XXXX XXXX XXXX XXXX XXXX our partner XXXX XXXX XXXX XXXX ) XXXX the Bank of New York Mellon XXXX It was a payment for buying of XXXX 
Amount : {$10000.00} UETR : XXXX Senders Reference : XXXX This payment was not received by the payment receiver. 
If this payment is also at your compliance procedures, we ask you to finish it as soon as possible. From our side we are ready to provide all necessary documents. 
If it is impossible to send this payment to the receiver, please, inform us how we can get our money back. 
Thanks in advance. 
Best regards. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation