vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-25 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CT

Complaint narrative:
I initiated this transfer transaction from MoneyGram.com on XXXX for 10000 USD. Transaction number is XXXX. Today on XXXX I got notification that the transaction was cancelled with no reason. Infact money was deducted from US account. This never happened in the past. 

When I initiated the transaction the XXXX XXXX XXXX XXXX and today XXXX is XXXX XXXX When the rate increases they transfer on time and when rate reduces they cancel transaction. 
This is lack of professionalism and failure of commitment on their part and exploitation of consumers. I needed the money on urgent basis in XXXX and will have to borrow from bank on interest until I get this money transferred to my account in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Convergent Resources, Inc.
State: PA

Complaint narrative:
My last bill was charged wrongly and they added {$35.00} on my account. When I called the customer care there was a lady which was really understanding the situation and asked me to stay and confirmed me that she will connect me to her manager.

Now the problem arises, her manager was very rude and not even ready to listen anything what my problem is. 
I am sure XXXX XXXX would have call records from that day. 

She was not listening my reason asked me pay full bill. She was trying to threat me that I'll not pay the amount something bad will happen to me. 

This is what happened I moved my lines from XXXX to XXXX on first week of XXXX and final bill only on 2nd week of XXXX. I called customer care that they charged me {$35.00} with no reason. but they manager lady was not even ready to listen and saying all the time that I have to pay this amount. 

I explained that this is wrong charges on my account but she was adamant. 
Only after 3-4 days of this call I got a letter from debt collection agency that. I am sure this is not what my last bill was saying. 

XXXX really owe an apologies for this. Since receiving this debt collection agency letter I am trying to call XXXX XXXX customer care. After a wait time of 2 hours their representative just listening my name and disconnecting my line. This happened 3 times and I can prove this and XXXX should have data of these calls to their customer care. 

It never happened when was I using their services. As I left their services they are charging unnecessary and want to take my hard earned money. 

I remember I gave my card number on my 1st call to XXXX customer care person to resolve this matter but that lady was rude and scared me that debt collection agency will only receive this amount. 

I really need some help from this XXXX XXXX  service organization. They are here to provide services to us and XXXX should take some action against that lady manager.

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 2021-12-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
XX/XX/2021, Transunion is reporting a inaccurate account on my consumer credit report. XXXX XXXX shows the months of XX/XX/2021 ( XXXX ) 60 days late, XX/XX/2021 ( XXXX ) 60 days late, and XX/XX/2021 ( XXXX ) 60 days late. NO CONSUMER CAN BE 60 days late in XXXX month. I have disputed this with the furnisher and Transunion. Transunion is violating the FCRA 15 U.S code 1681. Delete the XXXX XXXX account due to inaccurate reporting. I have attached proof of the inaccurate report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Citi Bank has my account frozen due to fraud. They never notified me by email or phone. No warning at all. There was also no fraud on my account. When I call they tell me that I have to wait 7-10 days for a code to come in the mail to access ANY of my funds. I asled for a supervisor and they said theyd call me back but never did. They have hung up on me 3 times. Its the holiday season and I have no access to my money. Wont let me use my card or transfer funds out. Wont let me use ATM. I have no access to my money and they expect me to wait 7-10 business days to access MY MONEY. This is outrageous.

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 2021-12-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
At approximately XXXX and XXXX on XX/XX/21 XXXX ( 3 ) unauthorized transactions were made from my Coinbase account from an unauthorized device. Approximately XXXX XXXX and XXXX XXXX were transferred out of my account using and unauthorized device. Immediately after noticing the unauthorized transactions I contacted Coinbase to notify them of the incident and received XXXX # XXXX at approximately XXXX. I tried calling but no one was available to speak and the following day I was able to call but was told that my account was under review and that I would have to wait until my case was reviewed and I would be notified by email. I was able to get access back to my account after several days of failed attempts but I have no received a resolution for my lost crypto currency.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-25 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: SC

Complaint narrative:
XX/XX/2021, Equifax is reporting a inaccurate account from XXXX XXXX. Equifax state that I was late 2 times in the months of XX/XX/2021, XX/XX/2021, and XX/XX/2021. A consumer can not be late twice in one month let alone three months in a row. That is clearly inaccurate report. I have disputed this twices. Equifax is violate the consumer law of the FCRA 15 U.S code 1681. Delete the XXXX XXXX account immediately. I have attach my most recent consumer credit report as proof of the inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I have tried several times to get transunion to remove inaccurate previous adresses I never used or lived at, attached is a letter of explanation

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 2021-12-25 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: TX

Complaint narrative:
I am aware that I am a victim of identity theft, I have reviewed my consumer report through XXXX and noticed there are companies I am not familiar with, reporting information to my consumer report which I am requesting to be blocked, as I am not responsible for this account. I will be providing all of the required documents to ensure this block can be executed immediately. 
The Accounts I am requested to be blocked are : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2021-12-25 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: TX

Complaint narrative:
I am aware that I am a victim of identity theft, I have reviewed my consumer report through Experian and noticed there are companies I am not familiar with, reporting information to my consumer report which I am requesting to be blocked, as I am not responsible for this account. I will be providing all of the required documents to ensure this block can be executed immediately. 
The Accounts I am requested to be blocked are : XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2021-12-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I HAVE TRIED SEVERAL TIMES TO GET XXXX PREVIOUS INACCURATE ADDRESS OFF MY REPORT AS I NEVER USED IT OR LIVED THERE, SEE LETTER ATTACHED

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
XX/XX/2021, TransUnion is violating the FCRA XXXX XXXX code XXXX. I dispute a charge off account listed on my consumer credit report by XXXX XXXXXXXX XXXX. This account is a charge off that show a balance. A CHARGE OFF should not report a balance. The balance should report as XXXX. This is inaccurate reporting and I want this account DELETED from my consumer credit report. I have attached a copy of my most recent consumer credit report. Transunion delete this account for inaccurate reporting.

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 2021-12-25 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: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon 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 explanation
Consumer complaint received 2021-12-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I received this garnished wages thru a XXXX that I had provided to me thru my XXXX. I didnt receive anything prior to this sue against me nor any notification.

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 2021-12-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
On XX/XX/XXXX I paid XXXX XXXX a debt collector for CITIBANK a settlement amount of XXXX to settle the debt in full. I then sent a dispute through the credit bureaus XXXX and XXXX, I attached the receipt from XXXX confirming my payment and settlement of debt. I then received a notification from XXXX that CITIBANK has verified the information as being accurate, meaning that the 219 balance on my report stood, with no change in balance resulting from the settlement that was done on XX/XX/XXXX. CITIBANK refuses to update the correct amount, I've called several times, an either get pointed in the wrong direction or hung up on. Along with the receipt I've attached my statement from XXXX XXXX showing on XX/XX/XXXX a payment of 100.00 dollars was made.

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 2021-12-25 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: AR Resources, Inc.
State: TN

Complaint narrative:
AR Resources Inc. 
XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX This account needs to included in our bankruptcy XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-25 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: CA

Complaint narrative:
I purchased a XXXX XXXX XXXX at a XXXX grocery store on XX/XX/21 with a preloaded balance of {$50.00}. On XX/XX/21 I opened the gift card and registered it online at XXXX, however when I attempted to make an online purchase the card was declined. I called the telephone number on the back of the gift card XXXX and spoke with 3 different representatives who all advised that the card was placed on hold for fraudulent activity that occurred on XX/XX/21 which was prior to my purchase of the card. The company offered to mail a new gift card within 5-7 business days, but could not guarantee that the new card would not be flagged for fraudulent activity. I requested the company refund me the {$50.00} and I was informed that the money is still there, but I would not be able to access it because the card has been flagged. All 3 representatives refused to transfer me to a supervisor after multiple requests and eventually hung-up on me.

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 2021-12-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
My retail credit card was closed on XX/XX/202 and I dont know why, the balance was 0, credit limit was $ 610.I called and asked why because I always made a payment every month never late.

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 2021-12-25 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person

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 2021-12-25 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: MA

Complaint narrative:
Transunion is reporting inaccurate information about an account with XXXX XXXX XXXX. The account was reporting correctly as " INCLUDED IN XXXX XXXX  DISCHARGE ''. 

Now reporting " SERIOUSLY IS DUE with a balance ''. 

This collection accountvwas discharged in my XXXX XXXX  discharge and transition knows it. See enclosed documents proving the changed it.

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 2021-12-25 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-25 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: Netspend Corporation
State: MO

Complaint narrative:
I purchased a prepaid PayPal card for my daughter to use because she is under 18. I chose PayPal because I can link to my account and watch what is spent. The card was instantly shut off by the company and they refused to tell me why and also refused to reactivate said card unless I sent them proof of my identity, address, social security number and source of income. This is a prepaid card. Now I am out the money I put on the card and my daughter is stuck away from home with no money because of this.

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 2021-12-25 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
XXXX is reporting inaccurate information about an account with XXXX XXXX XXXX. The account was reporting correctly as " INCLUDED IN XXXX XXXX XXXXISCHARGE ''. 

Now reporting " SERIOUSLY IS DUE with a balance ''. 

This collection accountvwas discharged in my XXXX XXXX discharge and transition knows it. See enclosed documents proving the changed it.

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 2021-12-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
Subject : Request to increase the approval credit limit I have been using credit cards of Capital One Bank for a bit of time, I have 3 credit cards open in good standing and one credit card closed in good standing, thats currently 5 years old. I have always had a good solid record of paying all my credit cards bills on time with your company. Due to my current situation. Based on my complaint, I would like to request you to increase my approval credit line to at least {$1000.00} or {$1500.00} for account ending in XXXX which is my XXXX credit card for good credit. Please note that this isnt a credit line increase that I am requesting, it is based upon my approval notice. 

My job requires me to travel more than usual. I know that my company will sponsor my travel expenses but there are so many such expenses that I will have to bear from my pocket. I apprehend that I would fall short of money if I used a credit card for this purpose. Therefore, I am in dire need to get an approval in my credit line of {$1000.00} - {$1500.00} but if not Im cool with my {$500.00} credit limit. I am attaching a list of all my job title and current income as an attachment. Thanks again for your consideration and God bless us all and stay safe.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-25 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the XXXX  you caused me. My information was also impacted by the XXXX XXXX XXXX and may have got into the hands of the wrong person

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