vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-04 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:
XX/XX/2021 I went grocery shopping at XXXX and wanted to purchase a {$400.00} XXXX gift card. 
Cashier states that can only put {$200.00} on at a time but can run the same card twice. 

Made initial purchase of groceries and {$200.00} gift card ( 1st gift card ) for {$310.00} Cashier attempt to put {$200.00} more onto the same gift card ( 1st gift card ) and said it did not work. I have attached a photo of this receipt. In the upper right corner you can see UNAPPROVED Grabbed another gift card ( 2nd gift card ) off of the rack and put {$200.00} on it.

I ended up with three transactions on my card. 1. {$310.00} ( {$110.00} groceries an
d a {$200.00} gift card ) 2. {$200.00} ( no money applied to the gift card ) 3. {$200.00} ( {$200.00} gift card ) Since the second transaction failed, this resulted in me paying {$600.00} for gift cards and only receiving {$400.00} in gift cards.

I opened a dispute with Citi for {$200.00} Over the past months, I have called numerous times and continually given that an explanation that they are looking into it. Then I get a letter saying that too much time has past and they can not do anything. They have never provided any explanation of what their findings are. I do not have recordings of my calls but I am sure they do. I am attaching all the written/electronic correspondence they have sent me. While in the XX/XX/XXXX letter there is reference to a response from the Merchant but the attachment is unreadable, Citi never provided any other explanation. 

I am not understanding why : They have not contacted the GC provider and XXXX to clearly see, where did the missing {$200.00} end up? 

Also attaching image of the 2 gift cards as well as XXXX balance page. You can see the them about 5 lines from the top on XX/XX/XXXX. 

Thanks for looking into this. I has been a extraordinarily frustrating. Each customer representative I spoke with kept saying that this was going to be resolved in my favor. I now understand this was simply a ploy to keep dragging this process out as long as possible.

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 2021-12-04 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: LEXISNEXIS
State: SC

Complaint narrative:
XX/XX/2021, LEXISNEXIS. I mailed a letter to LEXISNEXIS asking them to provide me with proof on how they aquired information about a bankruptcy they have listed on there comsumer report in my name. I have not received any information about my inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I went to a local Bank of America XXXX to deposit a {$10000.00} check. I was given a print out with a transaction ID informing me a hold. I was given dates the funds would be available. The deposit was made around XXXX pm on XX/XX/XXXX. {$5300.00} was supposed to be available on XX/XX/XXXX at XXXX pm and {$4400.00} is supposed to be available XX/XX/XXXX at XXXX am. As of today XX/XX/XXXX that portion is still not available. I have {$4.00} in my account and was told my money would not be available until XX/XX/XXXX at XXXX am by one customer service rep. I explained that it depending on that money and can not live on {$4.00} for nine days. I was then transferred to another customer service representative and was basically told nothing could be done. I have previously banked with XXXX XXXX and made large check deposits and my funds were available the next business day. Given the circumstances I was lied to about when my funds would be available I would like to File a complaint against Bank of America for not processing check deposits in a timely manner. I will have to borrow money for my bills, rent, and groceries until the money is available. This is the second time Bank of America has placed a hold on my funds. The first time was in XXXX and was a paycheck from my employer in the amount of {$600.00}. I understand that the check has to clear but the fact that I have used other banks and never had an issues with a hold this long makes me very upset. Bank of America was not willing to do anything. I asked if I could just have at least {$500.00} available to hold me over until they process the check and was told no. {$4.00} is not going to last 9 days. They need to reevaluate how the process check deposits. They told me all banks take that long and place holds but not in my experience with other banks.

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 2021-12-04 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: Chime Financial Inc
State: IL

Complaint narrative:
I ordered about {$700.00} worth of goods from a company XXXX XXXX XXXX XXXX which scammed me. They either never sent the package or sent something like a piece of mail so that they would have tracking either way I never received my parts and contacted the company and was told I wouldnt be getting my parts or my money. I reported this to chime and my claim was denied without them even investigating and they are supposed to stand behind me as their customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04 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:
TO WHOM THIS MAY CONCERN : EXPERIAN IS IN VIOLATION OF THE FAIR CREDIT REPORTING ACT THEY HAVE DEFAMED MY CHARACTER WITH NEGLIGENT ENABLEMENT OF IDENTITY FRAUD. I DID NOT GIVE WRITTEN CONSENT OR AUTHORIZATION OF LAW FOR THE COLLECTION OF MY INFORMATION.

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 2021-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: I.C. System, Inc.
State: NJ

Complaint narrative:
My service was canceled for nonpayment and equipment fee of {$400.00} was added to my bill which no avenue was made for me to mail the non functioning equipment

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 2021-12-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CMRE Financial Services, Inc.
State: TX

Complaint narrative:
Already stated that I had no idea where these accounts where opened

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
This company sued me at the address of my former wife in a State I no longer reside. They keep updating the lawsuit and they purchased a debt and continue to report it to the credit bureaus when it is older than 7 years. They purchased this debt only a few years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was scammed by someone who posted an ad on XXXX acting like a real estate agent. They said i could secure the unit with a non-binding lease agreement and a deposit of XXXX. I agreed and the day we were supposed to meet they said their mother died but have been unresponsive and I can not reach them now. The persons email also had a XXXX at the end which didnt match her real email. They post was eventually flagged on XXXX and taken down as well.

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 2021-12-04 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: EQUIFAX, INC.
State: MS

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : Accounts : XXXX XXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX A ) XXXX Balance : {$540.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$900.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX CT ) XXXX Balance : {$150.00} XXXX XXXX XXXX Balance : {$890.00} XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX : {$1200.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$26000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04 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: VT

Complaint narrative:
Noticed suspicious activity ( {$9800.00}, excluding international fees, late fees and interest charged by Citi ) on XX/XX/21. The suspicious activity was mostly large fees in XXXX. My wife and I were shocked that fees from so far away from our home were even allowed to be made in the first place. Our kids have cards with other major banks who would never allow such a circumstance without prior notification by them. Period. 

Received notice by mail from Citi XX/XX/21 about the suspicious activity. 

On XX/XX/21, attempted to call Citi again after noticing the issues. Citi sent a letter confirming we no longer dispute the charges, which is unequivocally incorrect. Reopened dispute. 

Received suspicious activity notice XX/XX/21 from Citi. 

Unbeknownst to my family, Citi and/or the fraudulent party opened a Checking Account in our name and {$2500.00} debited from our principal ( only ) checking account. Somehow, another phone number ( not in our area code ) was somehow added to out account. 

Made contact with Citi Identity Theft Department XX/XX/21. Theft dept stated they would investigate. 
Notified XXXX XX/XX/21. 

Completed Affidavit of Fraud, signed, notarized XX/XX/21, specifically identifying the fees not charged by myself. 

Numerous calls and other communications with Citi through this time, in which Citi did not offer solutions, did not treat us with respect while working through this terribly stressful situation ( including apparently muting me on the phone while trying to find a solution ). 

Sent Addendum email to Citi on XX/XX/21 attempting to seek a resolution. 

We have gone back and forth more than the above. Citi has told us that these charges ( and accrued fees, interest, etc. that is not our responsibility ) will be settled in a couple billing cycles. We still have not reached a resolution. 

This has been one of the most troubling and interrupting experiences we have ever had. We feel powerless and that our credit card company is not listening to us, does not have our interests in mind, and is in fact disregarding entirely the impact that has had to our family. They are blocking most or all of our card purchases, which has been just another stressful experience. 

There are more aggrievances than can be written here that we have carefully documented and communicated with Citi. They are not listening, do not care to, and we need 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 monetary relief
Consumer complaint received 2021-12-04 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Overcharged for a purchase or transfer you did make with the card
Company: Comerica
State: GA

Complaint narrative:
i made a payment for XXXX on the third of XXXX for a hotel purchase and prior to doing so i had a balance of XXXX i check my account that evening and i only had XXXX dollers in my account i called direct express the following morning who rudly informed me that the hotel takes XXXX percent of my balance and holds it until the amount is processed well at this point the XXXX plus XXXX $ was taken out. and XXXX who refused togive me her last name said she was the only XXXX in the direct express call center. ( XXXX ) goes on to tell me my XXXX $ wont be realeased until the third of the next month, when i asked her why .. she rudely screamed at me and said XXXX XXXX XXXX just told u all the i information needless to say a hour after i hung up the phone with this rude XXXX who was confident in telling me my funds wont be put back on my account until the third of the next month i got a alert that my XXXX was back on my account she was incompedent and rude and not very informative

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : Accounts : XXXX XXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX A ) XXXX Balance : {$540.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$900.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX CT ) XXXX Balance : {$150.00} XXXX XXXX XXXX Balance : {$890.00} XXXX XXXX Balance : {$1600.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$1200.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$26000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-12-04 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
*On XXXX XXXX, XXXX My Citibank credit card ( ending with XXXX ) was charged with 5 unrecognized, unauthorized charges. I assume the card was stolen in the mailing process as I recently ordered a same-card-number replacement for that card and never received it. 
Within a few hours of these charges, I noticed them and immediately reported these fraudulent charges to Citibank. A new card ( ending with XXXX ) was sent out to me by Citibank on the same day. 
The five fraudulent charges are : XXXX ( {$5.00} ) XXXX ( {$31.00} ) XXXX XXXX ( {$1.00} ) XXXX XXXX ( {$380.00} ) XXXX XXXX  ( {$390.00} ) *On XXXX XXXX, XXXX XXXX, and XXXX XXXX, XXXX I saw on my card that the first three charges above are covered with a " security credit '' but the remaining two from " XXXX XXXX  '' was left uncovered. I called Citibank more than five times and was transferred between different departments, each time I was promised with a security credit within 4-7 business days, which haven't happen till this day. 

*On XXXX XXXX, XXXX The two fraudulent, uncovered charges from " XXXX XXXX XXXX were posted to my credit card statement and therefore requiring me to pay for. Despite multiple phone calls with Citibank on this day, they were not able to handle this issue.

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 2021-12-04 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:
I written 2 certified letters to resolve the situation of inaccurate information reported. The tracking numbers for both are XXXX and XXXX. I requested the original contracts on the said debt and havent received anything. The amounts of the debts are {$510.00} and {$470.00}. 
Equifax XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Ga XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
This company sued me at the address of my former wife in a State I no longer reside. They keep updating the lawsuit and they purchased a debt and continue to report it to the credit bureaus when it is older than 7 years. They purchased this debt only a few years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
This company sued me at the address of my former wife in a State I no longer reside. They keep updating the lawsuit and they purchased a debt and continue to report it to the credit bureaus when it is older than 7 years. They purchased this debt only a few years ago

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04 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: FL

Complaint narrative:
The Fact that all three credit bureaus do not collect all data real time and allow third parties to access and use their information right or wrong presentls a fraudulent reporting environment that they seem to have no desire to correct. Here is the facts as defined by XXXX and extracted from their site. What You Need to Know This credit score is a XXXX XXXX based on XXXX data. Third parties use many different types of credit scores and are likely to use a different type of credit score to assess your creditworthiness. '' It is almost identical to other disclaimers by the other two major credit reporting agencies. The fact that this has been reported numerous times and ignored by the CFPB. Is by opinion and example a potential collusion to defraud people through presentation of varied calculating practice and different reporting data. To boot the information is access and maintained by NON CITIZENS WITH OFF SHORE ACCESS

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 2021-12-04 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: DISCOVER BANK
State: FL

Complaint narrative:
On XX/XX/XXXX XXXX I was charged {$290.00} from XXXX XXXX XXXX. I call endlessly to reverse charge but no one answer the phone. On XXXX XXXX I open a dispute with my discover card. They told me they were going to try to fix the issue and in the meantime my XXXX was frozen, meaning I didn't have to pay it back. On XX/XX/XXXX XXXX the XXXX XXXX XXXX gives me the refund back. On XXXX XXXX discover says I owe them {$290.00} again. When I call the dispute department they said they didn't realize a refund was given to me back on XXXX XXXX and I have to give them back {$290.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04 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: WA

Complaint narrative:
Experian started a dispute without my permition it knowing of such contacted Experian they said that don't care in result of lose of good credit distorting my credit scoring is theft and fraud from within Experian

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