vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/2022, XXXX payments were presented against my account, which resulted in an overdraft on XX/XX/XXXX. The overdraft was - {$1200.00} ; however, these payments were returned. On XX/XX/XXXX, I received a communication that my account was frozen until I deposited {$1200.00}. On XX/XX/XXXX, {$2500.00} was electronically transferred into my account. From this point forward, my account showed an available/on deposit positive balance when logged in. On XX/XX/XXXX and XX/XX/XXXX, debit card transactions were processed. Today I discovered that an ACH payment to a credit card for {$380.00} was returned because my account is frozen. I am confused because a {$2500.00} deposit was made on XX/XX/XXXX, more than what was needed to unfreeze the account. Two debit transactions have been processed since then. I was told that because the two payments returned on the 3rd could be re-presented, I would need to deposit {$190.00} to cover these potential debits as well as the most recent payment I made -- I made this payment because I was unaware that my account was frozen, having received no further communication after making the deposit. I was not instructed of anything more after complying with the deposit request. 

I asked that a stop payment be put on the sole check of {$1000.00}, which had been returned on XX/XX/XXXX, to guard against it being re-presented. This check is what overdraws everything. Even with doing this, I still need to deposit enough funds to cover this check even though it will be stopped. 

The irony is that if that check had been re-presented, I had enough funds to cover it, but since my account was frozen, it did not go through, and I had no idea. I don't understand why they didn't do their normal process of paying everything and just returning the check instead of freezing my account. 

As a result of the freezing of my account, the two additional credit card bills I paid out of this account yesterday will be returned. I would not have made payments against this account had I known it was frozen. Now I will be subject to three credit card fees and potentially worse.

I am experiencing economic hardship, and Citibank has only worsened my burden. They have opaque and capricious policies, which are not made clear to the customer. When I can, I will shut down all my accounts with Citibank. I became their customer through acquisition -- the bank where I was a customer was a local one they bought. I chose a local bank to avoid this level of callousness.

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 2022-08-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: MI

Complaint narrative:
I tried disputing IQ DATA INTERNATIONAL but their saying its accurate. I never legally signed a lease with that apartment complex and I felt misled and taken advantage of because they made me pay the security deposit to put the apartment in my name before I even signed anything. I have no information of any agreement between us but their saying I owe over {$4000.00}. So I feel like they put that apartment in my name without my consent just because I paid the security deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account number XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A states the right to privacy.

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.

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 2022-08-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: OH

Complaint narrative:
I have been given a slew of misinformation over the years. 
- I was paying after my XXXX XXXX graduation while working at a non-profit. When I began grad school I was told that with my loans in in-school deferment, any payments I made would not count toward any type of forgiveness and ceasing payments would restart my payment clock. 
-In XXXX I lost my job. I was XXXX with {$0.00} income. I called XXXX to figure out my options and was told the only thing I could do was a forbearance. Due to low income when I was working, my loans stayed in forbearance until I returned to school in XX/XX/XXXX. That is XXXX years of forbearance that should have been income-driven repayments. Yet I have heard nothing regarding the current XXXX XXXX dealing with exactly this issue. 
-I have tried repeatedly with XXXX to get a full accounting of my loans, including original amounts, payments made, interest accruals and capitalizations, and forebearance and deferment dates. The only thing I have received does not include ANY of this info. This may be because of the XXXX XXXX to XXXX transfer, because I'm running into the same lack of information with AidVantage. But their transfer should not bring difficulties for the borrower. If they can figure out how to transfer the dollar amounts, they can figure out how to transfer all other information regarding that loan. 
-There are loans on my account which do not match with dates of attendance. I have tried to work with XXXX XXXX AidVantage to figure this out and get it fixed, but have not had any response let alone actual help in resolving. 
-I am currently consolidating for the PSLFA and need this information to be correct, both for that Public Service Loan Forgiveness and the XXXX XXXX. I am getting NOWHERE with my loan servicers. When I completed the consolidation application, I requested it not start for 3 months ( this is how the website details it ) which would be XX/XX/XXXX. I received a letter that repayment would start asap which should not be the case since it is not supposed to start until XXXX. I called for clarification, which they did clarify XXXX. I asked for documentation but instead I received another letter that it would start in 10 days. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 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: FL

Complaint narrative:
I do not know XXXX XXXX XXXX company nor ever did business with this company. You have failed to provide me with a copy of any viable evidence, bearing my signature, showing this account is mine and being reported accurately. Upon challenging this account XXXX deleted this account based on the lack of ability to properly verify all reported information being accurate and verified. I noticed as A result of challenging this account with your company you have verified this same account. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA, if this is true I am requesting the information you used to verify this account in writing. This is a clear FCRA violation. Date Open is wrong, Last reported is wrong, Date of Last Activity is wrong is a violation. Are you not practicing Metro 2 Compliance? If such documents can not be produced please DELETE this account from my credit report immediately! Please verify this account pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act by providing all the information below or delete 1. The name, address and phone number of each person you spoke with that varified this account or delete ; 2. Balance and all payment history I have supposedly submitted, what the payment is for or delete ; 3. Provide 1099c and credit insurance or delete ; 4. Provide original signed contracts with me and XXXX agreeing to their terms or delete ; 5. Provide payoff discllosures, interest rate disclosures ; 6. Provide collections ; license number and court documents that allow XXXX - to continue to pursue this debt in Florida or delete ; 7. Provide documents that states this account was purchased or are they collecting on the original account holders behalf or delete. Be aware that a printout of a bill or itemized dacument does not constitute verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX Account XXXX XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A states the right to privacy.

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.

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 2022-08-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
New Res - Shellpoint Mortgage services continues to falsely reported delinquent payments to all 3 credit bureaus and move forward with foreclosure procedures. Company is incompetent at receiving loan payments and applying the payments to the account. I have 2 mortgages with the company and they correctly apply the payments to one of the mortgages but continually do not apply payments to the other and leave the funds in a suspended funds account. Calls to customer service today resulted in the customer service people hanging up on 2 different occasions today.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-10 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: FL

Complaint narrative:
I do not know XXXX - XXXX company nor ever did business with this company. You have failed to provide me with a copy of any viable evidence, bearing my signature, showing this account is mine and being reported accurately. Upon challenging this account XXXX deleted this account based on the lack of ability to properly verify all reported information being accurate and verified. I noticed as A result of challenging this account with your company you have verified this same account. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA, if this is true I am requesting the information you used to verify this account in writing. This is a clear FCRA violation. Date Open is wrong, Last reported is wrong, Date of Last Activity is wrong is a violation. Are you not practicing Metro 2 Compliance? If such documents can not be produced please DELETE this account from my credit report immediately! Please verify this account pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act by providing all the information below or delete 1. The name, address and phone number of each person you spoke with that varified this account or delete ; 2. Balance and all payment history I have supposedly submitted, what the payment is for or delete ; 3. Provide 1099c and credit insurance or delete ; 4. Provide original signed contracts with me and XXXX agreeing to their terms or delete ; 5. Provide payoff discllosures, interest rate disclosures ; 6. Provide collections ; license number and court documents that allow XXXX - to continue to pursue this debt in Florida or delete ; 7. Provide documents that states this account was purchased or are they collecting on the original account holders behalf or delete. Be aware that a printout of a bill or itemized dacument does not constitute verification.

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 2022-08-10 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: GA

Complaint narrative:
THIS IS RIDICULOUS!!! I don't know about this account! Why it is reflecting my credit report? I want validation on this account! I don't have any contract with this account. I will sue you for the stress you caused me!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Alorica Inc.
State: IL

Complaint narrative:
I received a random charge on my account in XXXX. In XXXX, I received a notice in the mail of late payment and logged in promptly to pay. I paid the bill in full in the amount of XXXX online. I did not receive any more mail from SST, nor did I receive another late payment notice. Yet on XXXX was reported late to the credit bureau. When I called customer services, was told that the payment did not go through for some reason. They also indicated that they tried to reach me via phone, but did not have the right phone number. In all other cases they have sent me mail, but in this case they did not. I feel like they intentionally did not try to reach me or do their due diligence to reach me. When I saw the alert on my credit report, I immediately logged into their website and paid in full.

I would note that this card has a XXXX  balance, and has been fully paid for over a year. The charge that was made in XXXX was a random fee, and not initiated by me. Both in XXXX and in XXXX I have again paid the balance in full but was still reported as 30 days late to the credit bureaus. 

I would also add that their online process for payments is confusing. You must press Yes I want to make a payment 4x and press submit and then press submit over and over again. I believe that they have configured this intentionally, so that people will not make the payments. They also do not offer an automatic payment process. 

Yet, again I have been reported as late for a charge I did not initiate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  Account number XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A states the right to privacy.

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. 
XXXX XXXX XXXX  Account number 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 non-monetary relief
Consumer complaint received 2022-08-10 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: ALLY FINANCIAL INC.
State: VA

Complaint narrative:
Credit Bureaus are reporting incorrect balance, payment amount, account status, and payment history to XXXX, XXXX and XXXX. Incorrect information was disputed via letter sent certified mail to credit bureaus. 
Letter mailed to XXXX XX/XX/2022 tracking # XXXX Letter mailed to XXXX XX/XX/2022 tracking # XXXX XXXX disputed online XX/XX/2022 confirmation # XXXX The dispute advised payment information was updated but is still reporting incorrect account status, payment history, payment amount and account status.

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 2022-08-10 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: Southwest Recovery Services, Inc.
State: IL

Complaint narrative:
I received a phone call from a collection agency, SOUTHWEST RECOVERY SERVICES, who claimed that I owed a company called XXXX XXXX XXXX for a credit card machine and early cancellation for alleged credit card processing dating back to 2019. I have used the same credit card processor for at least 5-6 years and it is not XXXX XXXX XXXX. I remember a gentleman who repeatedly came to my office trying to get me to switch processors. I told him to stop coming to my office, but we did not authorize his service. My staff frequently receive calls from credit card processors who attempt to gain information regarding or Credit Card Processing machine. 

Other than the phone call on my cell phone from SOUTHWEST RECOVERY SERVICES, I have never received notice of the alleged debt via my office phone or my physical mail address ( unchanged for 23 years and both address and office phone are listed everywhere ). He said he'd emailed statements to me at an email address that does not exist in my business. 

I do not owe this debt and believe it to be fraudulent. XXXX Recovery sent it to all 3 credit bureaus as a credit collection. This has had a detrimental effect on my credit score.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 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:
Since XXXX of 2022, I have been sending certified letter to Equifax, XXXX, and Equifax. There are inaccuracies on my report that are negatively affecting my report. I have asked Equifax and XXXX to show what they found out on their investigations SINCE XXXX and they have refused. They have no proof that the accounts are mine. Equifax has not given me an update via mail on the investigation results ; they are far beyond 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 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:
Since XXXX of 2022, I have been sending certified letter to XXXX, XXXX, and XXXX. There are inaccuracies on my report that are negatively affecting my report. I have asked XXXX and XXXX to show what they found out on their investigations SINCE XXXX and they have refused. They have no proof that the accounts are mine. XXXX has not given me an update via mail on the investigation results ; they are far beyond 30 days.

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 2022-08-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with convenience check
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Having a problem with Best Buy convenience checks issued to XXXX XXXX XXXX... I made XXXX check out to XXXX & XXXX bank to pay off credit card XXXX XXXX XXXX XXXX and it bounced from Citibank back to XXXX & XXXX bank because of insufficient funds and I was charged {$25.00} in the process. I contacted Best Buy ask them to take that off my acct. XXXX XXXX XXXX XXXX and close my acct. with them... prior to this I had a zero bal. with them the check in question was in the amount of {$2400.00}. I want this matter nullified and wish not to do business with Best Buy. Thank you for your help in this matter. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, Pa XXXX Cell : 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 2022-08-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Spring Oaks Capital, LLC
State: NC

Complaint narrative:
I was not notify of debt before the collection tries to decrease my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc

Complaint narrative:
Hello. PayPal illegally, without explanation, blocked the funds in the account for 180 days. There is no response to our letters. On the hotline, they themselves do not know for what reason they blocked. There are absolutely all the documents, and all of them were provided to the PayPal support service. Please help me get my money back. Thank you.

Company response to consumer: Closed with explanation