vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Citibank accounts, checking and savings, on XX/XX/2022 were blocked and will be closed by the fraud department at Citibank. We have no explanation and no access to our money. I am XXXX and my wife is XXXX XXXX XXXX. We have been banking at Citibank for 36 years. We are certainly not involved in fraud. Their only action to help me, after spending hours on the phone and a visit to our local branch, was to indicate that I will be getting a letter from them in 60 days. In the meantime, I can not get access to my money. This is a disgrace. 
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 2022-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: IN

Complaint narrative:
I've been disputing this account for over two years. This account is reporting wrong and misinformation. This agency has not validated any of this information in any shape or form. And this agency keeps reporting this wrong misinformation to credit bureaus without any written or signed authorization from me. I have never given this agency any written or signed authorization to report any information concerning me. This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: MO

Complaint narrative:
I sold my XXXX at XXXX & I got {$300.00} on a vanilla gift card, the next day I go to order food and Vanilla card is Declining, I go to check the balance & I put the card info in & It says " A System Error Occurred " I call the number on the back of the card XX/XX/2022 the hold time was 40mins to 1hr, so I waited to call the next morning, XX/XX/2022 XXXX XXXX, I called and talked to a lady & she told me that the card was on hold and all she needed to do was reactivate it & the lady activated it and it worked after that, XX/XX/2022 XXXX XXXX, I try to get an XXXX with my Vanilla card & I saw the same error message from XX/XX/2022 so I already knew it was on hold again, I Immediately called Vanilla & they said the card has been compromised due to fraud, they know what they're doing & everytime I call it's always a foreigner, I never called in about any fraud concerns... they told me they could not activate the card because it had been compromised, so for one they put me card on hold without my consent & they told me I would have to wait 7-10 Business days for a replacement card & I told them I have thing to do so I did not have that long to wait I talked to the supervisor named XXXX & he said he could not activate it, & they had no other solution for me except send a replacement card, so pov I was trying to buy food online and they put my card on hold and said it was fraud even tho I'm the only one in possession of this card & they put it on hold bc I tried to also get an XXXX, and now I have to wait 7-10 days for ( MY MONEY ) I'm now looking into who owns Vanilla Gift Card so I can get what is rightfully mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 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: VA

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, 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 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN 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 non-monetary relief
Consumer complaint received 2022-12-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: DISCOVER BANK
State: WA

Complaint narrative:
I tried to access my account on XX/XX/22 online. The system needed to verify me but they only had my old cell phone number on file. They had no other automated way to verify me even though my email address had not changed. I had to call and they still would not do anything for me until I faxed or sent a copy of my Drivers License. I don't have access to the technology for this and don't make it into town often, hence why I do my banking online. I filed a complaint here already and the response took almost a month to reach me. 

This is the exact response I got : " You may also mail or fax the document with the information provided below. Please include your full name, address and last four digits of your account number should you wish to fax or mail the information. Discover Bank XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Fax ( XXXX ) XXXX Thank you for allowing me the opportunity to be of service. Should you have any questions or concerns, please contact me at ( XXXX ) XXXX, Monday through Friday, from XXXX XXXX XXXX XXXX XXXX, ( XXXX ). Sincerely, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX CC : Consumer Financial Protection Burea '' On XX/XX/22 I finally made it into town and went to a local credit union to ask if they could fax it. They said it was not a service they provided but they would do it one time for me. They proceeded to fax it and I waited until they received a confirmation that it had been sent successfully. I called Discover the next day, XX/XX/22, to access my account and they could not locate my fax and therefore would not give me access to my account unless I told them the number that the fax came from. I don't have that info and the credit union is not able to give it to me because it is a phone system, whatever that means. I followed Discover 's instructions exactly ( nowhere in the instructions did it indicate I would have to provide the fax number it was coming from ) and they still won't allow me access to my money. It has been withheld from me for 30 days now. 

I am still receiving monthly statements to my address on file with them that has NOT changed. All I want is to close the account. They can either send me a check to the address they are still using for statements OR they can send the money through ACH to the XXXX account that is also on file on my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-30 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: MD

Complaint narrative:
It has now been 30 days since my dispute with the company. None of the account listed in my documentation has been notated as disputed, remove during the investigation, nor have I received any kind of communication of dispute. 
Transunion has been negligent during this investigation and is in violation of 15 USC 1681i. 
see attached documentation

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 2022-12-30 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: OH

Complaint narrative:
Experian Broke The Law!

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 2022-12-30 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 — Problem with personal statement of dispute
Company: I.C. System, Inc.
State: UT

Complaint narrative:
I have reached out this Debt Collecting Company by the name of IC Systems.

I mentioned that I do not acknowledge this debt that they are making efforts collecting on. I have spoken to Two separate representatives and also Two supervisors that were on duty at that time. 
I requested a Validation of debt. 
They mentioned they have no validation of the debt they are collecting on and asked me to provide proof to them that the debt isn't mine that they are making attempts to collect on behalf of a creditor. 

However they are in violation of Utah Code Law. That clearly states that need to provide validation of debt in order to make attempts to collect debt. 

This collection company is inaccurately reporting information to credit bureaus that is affecting me negatively and has costed me lot of money. Along with that it has hurt my ability to obtain new accounts such as mortgage and has affected my credit rating. 

I now demand that this information be removed if ic systems are not able to provide validation of debt immediately so my credit report is accurately being reported to the credit bureaus.

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 2022-12-30 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: Maxitransfers LLC
State: CA

Complaint narrative:
On XX/XX/ I sent the amount of {$95.00} usd to a family member internationally to XXXX using maxi transfers through a company by the name of XXXX XXXX. As I've called countless times to check on the status of the transfer being as my recipient has to this day not yet received the money, have received no help from the company. So today I finally get through to customer service and i am told after giving information about the transaction that XXXX rejected the transfer due to the account not being able to receive international transactions at the time. So I kindly asked for assistance with getting a refund and was transferred to a customer service representative by the name of XXXX and after I provided her with the Confirmation number to the transaction was somehow disconnected. So I am now taking the necessary action of submitting this complaint. All I want is my refund for the money that was sent and never received please and thank you.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
Today, XX/XX/XXXX, noticed an email from Paypal for ID : XXXX, Item XXXX  XXXX XXXX XXXX for 2 yrs. 

I never ordered or received a XXXX XXXX from XXXX. This purchase was posted XXXX XXXX, XXXX, XXXX without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 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: MD

Complaint narrative:
It has now been 30 days since my dispute with the company. None of the account listed in my documentation has been notated as disputed, remove during the investigation, nor have I received any kind of communication of dispute. 
Experian has been negligent during this investigation and is in violation of 15 USC 1681i. 
see attached documentation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: UT

Complaint narrative:
I have reached out this Debt Collecting Company I mentioned that I do not acknowledge this debt that they are making efforts collecting on. 
I requested a Validation of debt. 
They mentioned they have no validation of the debt they are collecting on and asked me to provide proof to them that the debt isn't mine that they are making attempts to collect on behalf of a creditor. 

However they are in violation of Utah Code Law. That clearly states that need to provide validation of debt in order to make attempts to collect debt. 

There is lots of inaccuracies with reporting This collection company is inaccurately reporting information to credit bureaus that is affecting me negatively and has costed me lot of money. Along with that it has hurt my ability to obtain new accounts such as mortgage and has affected my credit rating. 

I now demand that this information be removed if they are not able to provide validation of debt immediately so my credit report is accurately being reported to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
LVNV funding placed a collection account on my credit files after I made payment arrangements. I don't think it's right to do this. I can only make {$18.00} a month. Which they accepted. So it shouldn't have been placed on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
USAA has blocked my funds due to an XXXX scheme. the bank has deemed me as being apart of the scheme. USAA has refused access to my funds eventhough the negative balance has been resolved. 

I can provide more details upon request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Unauthorised transaction in the amount of {$120.00} to 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 2022-12-30 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Atlantic Union Bankshares, Inc.
State: VA

Complaint narrative:
Atlantic Union Bank reneged on their commitment for a construction loan without notice. 

I meet with branch, had phone calls with XXXX  lending XXXX, and president 's office and sent letters to each - none of which resulted in any remediation. 

Dates and amounts are summarized in letters and the attached complaint. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: NCB Management Services Inc.
State: IL

Complaint narrative:
Debt is not owed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 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: MD

Complaint narrative:
It has now been 30 days since my dispute with the company. None of the account listed in my documentation has been notated as disputed, remove during the investigation, nor have I received any kind of communication of dispute. 
Equifax has been negligent during this investigation and is in violation of 15 USC 1681i. 
see attached documentation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Hello, I had a debit card sent to my house in my name. I did not open an account. I reached out to the company and had it closed however they asked me to email this as well. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC
State: MD

Complaint narrative:
I attempted to inquire about my rights under the FDCPA, as debt charged off to a debt collector could be construed as an unwarranted search or seizure ; the debt collector did not particularly identify what type of debt it was. 

The information I got was not helpful in resolving the debt.

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 2022-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
On XX/XX/, Barclay 's Bank of Delaware pulled my report without my permission. I disputed this inquiry with XXXX I let them know I did not authorize this inquiry. I even sent XXXX a police report and they claim that they were verified. According 15 USC 1681b ( a ) ( 2 ) I did not give this company any written instruction to check my report. Please send me proof with my written permission with my signature stating that I gave you permission to obtain my consumer report/credit file and certification. company name : XXXXatclay Bank of Delaware DATE OF INQUIRY : XXXX 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 2022-12-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Credit Karma, LLC
State: NC

Complaint narrative:
Credit Karma showed a few credit cards that they said I had an excellent chance of being approved for.. They also offered a guarantee that if I wasn't approved for it they would give me {$50.00}. I received the letter from the bank saying they declined it and I would receive an email with the information. Credit Karma stated that it took XXXX XXXX XXXX days for them to hear back. After two weeks I inquired about the {$50.00} and they said they would look into it and stated it could take up to 60 days to hear back. When I contacted them at the 5 week mark they said they hadn't heard back from me and closed the case. I asked them to reopen it to which they opened a whole new case and now are saying they need the documents from the credit card company as to why I was declined.. The credit card company doesn't keep documents that long and I believe Credit Karma knew that.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My name is XXXX XXXX and I am filing this complaint as conservator for my grandmother XXXX XXXX. I currently have a conservatorship account under both of our names that is under the supervision of the count. 

I am filing a fraud claim for account # XXXX XXXX XXXX. 
I have been unable to marshal funds from this account into the conservatorship account even after filing a complaint and going in person to several bank branches ( XXXX XXXX, XXXX, XXXX XXXX, XXXX. ) The court ordered to revoke the Power of Attorney XXXX XXXX and to be removed as POA at all financial institutions as she was mismanaging and pocketing funds from XXXX XXXX. I was appointed by the court as XXXX XXXX ' XXXX XXXX of both person and estate as she has been declared legally incompetent. These orders were listed in the letters of conservatorship by the court and submitted to Bank of America. XXXX XXXX is aware of the conservatorship in place for XXXX XXXX and was ordered to not make any further financial decisions. 

It has come to my attention during a court ordered accounting of the funds for XXXX XXXX that XXXX XXXX has illegally transferred the remaining balance of {$2700.00} into her personal account. In the past I made several attempts to marshal these funds into the conservatorship account with no success. The bank branches lack of knowledge on conservatorship accounts is the primary reason I was not able to withdraw and protect the funds. I would like to proceed in filing a fraud claim as these funds were taken from a legally declared incompetent and XXXX  individual. I appreciate your timely attention on this matter. 

XXXX XXXX XXXX for 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 2022-12-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
In ability to contact Pay Pal customer service. The dept is closed and unable to receive calls via customer service.

Can not contact Pay Pal to resolve this issue after repeated attempts.

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