vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: KY

Complaint narrative:
Hello, On XX/XX/XXXX I received a letter that has the date of XX/XX/XXXX at the top from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR, XXXX This is the company that administrates my XXXX XXXX Credit card, issued by XXXX XXXX XXXX that I have had a perfect record with for approx. 6 years. I have spent thousands and thousands of dollars on this card/account. 

The letter says that due to inactivity my account/card has been closed ( 24 months of inactivity ) and the closure is effective immediately. I called the company and asked why can not this be turned back on? I want it back on and to use it. They said they would love to ( this is the 1st, 2nd, 3rd, and 4th person I spoke to in progression of supervision ) turn it back on but the system can not turn back on an account that has been closed. 

This has effected me via my credit score. It has lowered my overall available credit dollar wise. It has also closed my second longest aged credit account. This will also force me into a hard inquiry to replace the card as well. So in many ways this has impacted my credit score and it is not fair as a consumer. 

I asked why I received no notice that the account was to close? No call or mail stating this would happen. The reps said well you could have used it online and I asked who buys diamonds online? Seriously? But if I had known I would have bought a smaller purchase just to keep the account open. 

The main issue of why I couldn't use this card this year is Covid. I didn't use it last year as I had just paid off several purchases and the jewelry for my wife and family/friends was all still pretty new. So I skipped XXXX XXXX and etc. XXXX is different and I have been actively going to the local XXXX XXXX as well as many across several states ( I travel as an executive for my business employer ) and none of the stores are open. 

I feel that this is an unfair act and the company is exercising it's terms in an unfair method outside of good faith to me as their credit consumer. A simple phone call, email, or letter would have not only avoided this but also gotten them a sale/profit. Instead they have closed this account without warning and using an extremely poor excuse to not be able to fix it. Basically once its done it is done. Well their IT people could fix this is they wanted to. 

I was under the impression that it was not " legal '' or allowed to close a consumers credit account during this pandemic. Is this true? Can someone help me? All I am asking for is the account to be restored to it's previous state and I will use it immediately and regularly. 

( I recorded this call the same as they told me they were doing and have the file available if need be but it is too large to upload in this complaint. Over 10 MB. ) Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Good Morning, My name is XXXX XXXX. I have been banking with Citi Bank for years. I sent XXXX $ to my brother XXXX XXXX using XXXX. He found out his account had not been properly linked to his phone number and I resent another XXXX $ using his email address which was successful. I contacted my bank and cancelled the first incorrect transaction the same day while the first incorrect transaction was in pending status. Citi bank informed me the transaction would be cancelled and I had no worries. After three disputes Citi bank informed me they would no longer look into this transaction and I had to go after the person who incorrectly received the XXXX $ myself. I explained to them multiple times that I did not know this person and that was an impossible task for me. I got upset and shed tears because they constantly lied to me saying I didnt give enough information for the investigation to be found in my favor, they tried to get the funds back from the stranger, but couldnt because she or he spent them, and it was my fault because I authorized the transaction. I had called to cancel the transaction the same day while the transaction was pending. They lied and said there was no record of it. They only have records saying I put in a dispute on XX/XX/2020 which was the same day of the transaction. I clearly asked for a cancellation of the incorrect transaction and they said no problem. Ive stayed on the phone with supervisors for hours while they told me they would re-train staff to give out accurate information being they was supposed to tell me from the beginning there was nothing they could do if I cancelled the transaction or not! I feel robbed when Im supposed to be feeling protected by using the highly secured Citi bank mobile app, as well as confident when I call my bank to cancel a transaction it will be cancelled. I am a XXXX XXXX XXXX XXXX worker, and student with a family to take care of. I cant afford to give away money to strangers! Supervisors told they the situation wasnt right and they wish they could help!

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 2020-12-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Sequium Asset Solutions, LLC
State: CO

Complaint narrative:
We have received two phone calls from the same number ( XXXX ) reporting to be from Sequim Asset Solutions, LLC representing XXXX (? ) Collector attempting to collect a debt. One caller gave a call back number as XXXX, the second gave XXXX. Both gave the same reference number for the debt. The first call was on XX/XX/2020, the second on XX/XX/2020. We generally do not answer calls not in our contact list and therefore both calls were allowed to go to voice mail. We have no overdue debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07 00:00:00
Product: Credit card or prepaid card — Store credit 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: MD

Complaint narrative:
I have been making purchases from home depot using the home depot credit card for many years and continue to be charged for items ordered but not yet picked up or delivered. The retailer will charge my credit card and begin assessing finance charges even if I don't have the item. I most recently XXXX XXXX, 2020, made a {$3000.00} purchase at the XXXX  XXXX at the XXXX va home depot but I wasn't able to pick up or otherwise take the items charged with me. My contractor later visited the store and it was decided not to pickup but instead to cancel the order. As of XX/XX/2020 I was billed as if I took possession of the products. This has happened many times and credit services will not credit the purchase. Home depot requires that I go back to the store so they can release the products from inventory thus making it obvious that the products never left their warehouse

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 2020-12-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NC

Complaint narrative:
Money was stolen out of my account on XX/XX/2020 in the amount of {$390.00}. I tried to cash out the funds to my Bank Account and Kept getting an error message that said Account Locked, we detected something unusual. To protect your funds, weve temporary locked your account. 

I log in my cash app and my money was still there, but I got an email that said your debit card and email was unlinked from your account, I logged back into my cash app and noticed that someone replaced my debit card it another card ending in XXXX ( see attachment ) I then tried to link my debit card back and it said card not supported. 

I received several emails ( see attachments ) where someone was trying to log into my account and cash app sent sign-in codes. I immediately changed my email password. I tried reaching out to cash app and kept getting an automated response. On XX/XX/2020 I tried to log into my cash app, and it would not let me, it was as though someone deactivated my whole account. My cash tag $ XXXX no longer existed with an account, I put my phone number in, and they wanted me to create a whole new account. So not only was my money {$390.00} stolen, but all my stock and Bitcoin are gone. 

Cash App deals with customers money, so they should always have an 800 number where customers can speak with a live agent/representative instead of having to email and wait for a response. I was contacted by XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX, all with the same none sense response ( see attachments ) XXXX even said that my issues were resolved!!!!!!! I have tried every day to get a call back because apparently your Support team clearly does not understand what is going on. They all gave me a case # XXXX. I even reach out to cash app support on XXXX and XXXX and continue to get the same XXXX responses. 

The most frustrating part about this situation was I was on the road heading from XXXX, NC to my hometown XXXX, MI for my aunts funeral. I was going to use this money, for gas, food and to send money for the flowers for the funeral. This messed up my whole trip. 

I filed a police report here in the city where I live XXXX, NC with the XXXX XXXX Police. I will be reaching out to an Attorney, XXXX XXXX Police Department, XXXX XXXX Local News, XXXX Local News, posting on every social medial platform, XXXX, XXXX, XXXX, XXXX  and every blog until my money, stock and bitcoin is returned. This is ridiculous and frustrating, cash app supposed to be so safe and secure but somehow let an unknow individual get into my account. Im starting to wonder if it was an inside job because I always had my phone with me, and I thought since it was a mobile app you would need your phone for verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX To whom it may concern, I recently received a response to a dispute regarding an erroneous item on my credit report involving a transaction that was verified regarding the disputed item, and thus, electing to leave it on my report That is the way it appears on my credit reports :. {$290.00} Closed Overview You're currently using 295 % of your account 's limit. 
Balance {$290.00} Credit limit $ XXXX Monthly payment {$0.00} Opened XX/XX/XXXX ( 1 yr, 9 mos ) Payment History Last payment XX/XX/XXXX Current Payment Status In Collections/ChargeOff Amount past due {$290.00} Worst Payment Status No Info Account Details Account status Derogatory Type Charge account Responsibility Individual Remarks Charged off as bad debt Canceled by credit grantor Times 30/60/90 days late XXXX Closed XX/XX/XXXX You have a dispute in progress DIRECT DISPUTE We've sent your dispute request to XXXX, and we'll let you know when it's complete.

CHECK DISPUTE STATUS Creditor Information BLOOMINGDALES DEPARTMENT XXXX XXXX  XXXX XXXX, OH XXXX This is what appears on my debit card statement : XX/XX/XXXX Purchase authorized on XX/XX/XXXX Bloomys XXXX XXXX XXXX FL XXXX Card XXXX {$200.00} I am absolutely certain that the item I disputed is incorrect and should be removed. 

All previous letters and documents that I sent to you are once again attached along with this correspondence in order to help you process this request. You will also note in the attached items the fulfillment of payment for said dispute. 

I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error.. 

I expect to receive a response, or I will expect to see the item in question permanently expunged from my record. 

Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible. 

Very Respectfully, XXXX XXXX SS : 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 2020-12-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
On XXXX XXXX, 2020, I was added as an authorized user on a credit card with USAA. On XXXX XXXX, 2020, I received the credit card in the mail. On XXXX XXXX, 2020, I informed the primary card holder that USAA was not reporting to any bureaus. He called USAA on XXXX XXXX, 2020, and was told that the card should show up on my report within 30-45 days of adding user. At this point, it had almost been 60 days. On XXXX XXXX, 2020, he called again and was told that everything on their end was good and that I should contact the bureaus. He was told that they reported it on XXXX XXXX, 2020. On XX/XX/XXXX, I noticed that the card/account still had not reported. I called XXXX XXXX and XXXX, and was told by each of them that they did not have any knowledge of this account. They also stated I should request a confirmation number from USAA with reporting dates. We then called USAA on 3-way told them what the bureaus said. The representative informed us that he did not see any information where the card had reported and could not provide us with a confirmation number that was requested by the bureaus. He suggested that we file a dispute on the USAA website, in which we did. I am filing this complaint in order to expedite the process and also because I know that the online disputes can sometimes automatically decline. This is slowing down my family 's home buying process and I would like to get this issue resolved as soon as possible as we have a XXXX XXXX in less than XXXX  weeks. Please help resolve this issue by having my credit report updated ( and backdated to XX/XX/2020 ) when I was added as an authorized user to reflect positive credit card usage. Thanks in advance for your help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I have a credit of XXXX dollars and I called back in XXXX to have send me a new credit card due to lost well they sent me the same credita card and didnt mail me my credit money instead decided to give my money to another company. when I called they refuse to mail me the full amount of my credit which is XXXX dollars and they claim they will only send me XXXX and XXXX dollars.

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 2020-12-07 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: PNC Bank N.A.
State: PA

Complaint narrative:
In XXXX of 2020 I purchased an item on-line using my PNC Visa Credit Card. The item that was sent to me was not as described, not even close. I have provided 31 pages of communication with the company that I purchased the item from but as of today, XX/XX/2020 the dispute has not been resolved. Several calls have been placed by me to the PNC Bank dispute department and all I get is they are working on it. I provided the original advertisement showing a description and pictures of what I purchased and a picture of what was received. The company that I purchased the item from wants to refund me {$12.00} instead of the purchase price of {$61.00}. The company will not allow me to ship the item back, they refuse to send me a prepaid label or a return authorization. 
I am suppose to have protection against this type of fraud but apparently PNC Visa, even though they say I am protected, to date I am not. The case number for the dispute with PNC Visa is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07 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: AZ

Complaint narrative:
On XX/XX/2020, I have sent a dispute letter disputing inaccurate accounts from my credit report. I sent a letter on XX/XX/2020 to all three credit bureaus XXXX, XXXX and Experian. I haven't got a response to my dispute so since i didn't get a response per the credit reporting act credit Section 611 ( a ) ( 5 ), credit reporting companies have 30 days to investigate disputes and its past 30 days so I later sent a 30 days to comply letter on the XX/XX/2020 because i didn't receive anything regarding the inaccurate information on my credit report. Within my report I included my full name, account numbers of the inaccurate information on my credit reports, also i included my address and social security number.

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 2020-12-07 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: AZ

Complaint narrative:
On XXXX/XXXX/2020, I have sent a dispute letter disputing inaccurate accounts from my credit report. I sent a letter on XX/XX/2020 to all three credit bureaus XXXX, TransUnion and XXXX. I haven't got a response to my dispute so since i didn't get a response per the credit reporting act credit Section 611 ( a ) ( 5 ), credit reporting companies have 30 days to investigate disputes and its past 30 days so I later sent a 30 days to comply letter on the XXXX/XXXX/2020 because i didn't receive anything regarding the inaccurate information on my credit report. Within my report I included my full name, account numbers of the inaccurate information on my credit reports, also i included my address and social security number.

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 2020-12-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
I have been a victim of identity theft resulting in these following account SANTANDER CONSUMER USA XXXX being on my credit report. this incident has ruined my life. I have also informed the company of these account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07 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: FL

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY

Complaint narrative:
on XX/XX/XXXXmy mortgage debt was paid in full so i assume threre was the taxes that had to completed which i thought was not accurate plus they keep on adding fees and additional interest that i couldn't keep up with so i like for the threats and phone calls to stop and lets work out a deal on the remaining taxes that i really owe and not charge me the mortgage payment that you are asking for you got your money from the monthly mortgage stop being greedy and taking advantage of me because i'm XXXX. I will not recommend your company to anyone. hope to work this out peacefully. thank-you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am continuing to have a problem with Capital One Auto Finance. 

Lost my job due to covid. I have made arrangements to pay my loan but capone is reporting me late We are in a pandemic no one has money and now you want to kill my credit? 

This is unacceptable.

Company response to consumer: Closed with explanation