vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Block, Inc.
State: VA

Complaint narrative:
I requested a banking account and a debit card from Square last month and today. I called Square last month and today. They could not explain why I was refused. Only that the message I received of denial was all I would be told. I could not be identified andhad used my allotted number of attempts. ( 2 ) I have used the Square credit card platform for over XXXX  years. They process payments to my credit union account, XXXX, have given me XXXX loans for XXXX  years.They have always received timely repayment. They have my copies of social security no, drivers license, and credit information I requested to be transferred to the banking department. I spoke with XXXX. She said she was not able to escalate my issue. That I had used my attempts and thats all I was allowed. I told her that was incorrect and I wanted to speak to a manager. I held the telephone line, she came back andsaid no one would call me back or could provide further information Of my denial. 
I had XXXX other XXXX XXXX  attempt and they were denied as well. I reviewed Squares listing of business that they conduct business with. XXXX XXXX were not listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 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: ARVEST BANK GROUP, INC.
State: AL

Complaint narrative:
I received a notice that my credit score was impacted negatively. When I checked my score Arvest mortgage reported that I hadn't made a payment and that my payments were more than 120 days past due although I was in Forbearance at the time. Although I had resumed making my monthly payment in an agreed upon loan modification, they stated that I hadn't made my payment. My credit score dropped over 100 points as a result of this misinformation and I believe that their false reporting was an act of revenge and is illegal. I want the information corrected and the remarks removed from my credit report!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
After requesting the bank accommodate my XXXX for a home mortgage the bank then reufsed to serve me. Earlier they had told me they they did not have to serve the XXXX for 30 days. Cant get mortgage cant do banking, fearing retaliation for making the discrimination complaints.

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 2021-08-12 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: TN

Complaint narrative:
I filed a dispute with Experian to have a old apartment rental removed. I just received notification the dispute is going to stay on my credit report and Experian has now extended the removal date for 3 more years. I moved out from the Apartment house XX/XX/2014, the account is only being reported on 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 non-monetary relief
Consumer complaint received 2021-08-12 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: CA

Complaint narrative:
On XX/XX/XXXX I, XXXX XXXX XXXX, original creditor/consumer sent all three major credit reporting agencies Affidavits of Truth with simple demands. I gave each agency 21 days to fix the credit reports with my written instructions as shown in the attachments. I even attached copies of the law to each letter for each US code. I have only heard from one agency via mail and that agency ( XXXX  ) did not respect my demands. Im sure the other two agencies didn't respect my demands either as I didn't receive mail from them within the respected time frame. Find attached XXXX  letter with incorrect information and " dispute results ''

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 2021-08-12 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: CA

Complaint narrative:
On XX/XX/XXXXI, XXXX XXXX XXXX, original creditor/consumer sent all three major credit reporting agencies Affidavits of Truth with simple demands. I gave each agency 21 days to fix the credit reports with my written instructions as shown in the attachments. I even attached copies of the law to each letter for each US code. I have only heard from one agency via mail and that agency ( XXXX  ) did not respect my demands. Im sure the other two agencies didn't respect my demands either as I didn't receive mail from them within the respected time frame. Find attached XXXX  letter with incorrect information and " dispute results ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: NY

Complaint narrative:
" ENHANCED RECOVERY '' Account # XXXX at XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX Has been sending me collection notices in the amount of {$510.00}. The collection has been reported as pass due balance. I do not know this company. This company does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I contacted Midland in an attempt to resolve the debt. They agreed to settle the inflated balance from roughly {$490.00} to {$300.00}. I started the arrangement with an initial payment of {$100.00}. Later when I went to make the next payment, they had no information on the arrangement we agreed on, and additionally the owned balance hadnt changed and 3 months later, the balance still hasnt changed. It should reflect a balance of {$200.00} or even at the least {$390.00} after my {$100.00} payment. After speaking with them they acknowledge the payment I made, but nothing about the settled amount agreed on. This is unethical collection practices which has hurt my credit substantially because I refuse to be taken advantage of by shady business.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 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: EQUIFAX, INC.
State: GA

Complaint narrative:
On Monday, I spoke with XXXX XXXX, VP Lending department at XXXX XXXX XXXX, he informed me that these XXXX [ Equifax ], had point a Lock and or a Frozen my Credit Report information. Listen up Equifax, XXXX Lock. Freeze my XXXX  Credit Report, whoever you within Equifax, you XXXX XXXX youre Not Stopping me, listen up Im ALL Ready in court with a Big Case Im XXXX, Im Not certain as to who you are within Equifax, in Federal court Im going to personally sue you and get you a go jail card, you XXXX XXXX XXXX XXXX XXXX, youre Not Stopping me. Hey Equifax you did think I could do, you XXXXXXXX XXXX, that XXXX XXXX XXXX XXXX XXXX XXXX account, better get that XXXX OFF my Credit Report, Purge this XXXX off my Credit Report, Im loving it, Im the XXXX Boss Now, XXXX XXXXXXXX XXXX  out, XXXX XXXX ( XXXX ) XXXX  out, XXXXXXXX XXXX XXXX  out, XXXX XXXX, that XXXX {$15000.00}, XXXX out, XXXX XXXX XXXX, {$11000.00}, XXXX out, Im a the XXXX XXXX man XXXX, this is funny, XXXX XXXX, Im paying this TradeLine off before the XXXX of XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.

Complaint narrative:
Hi, Citi bank unilaterally closed my credit card with them, shortly after I paid the annual membership fee of {$490.00}, and has refused to refund me the annual membership fee. 

I have had a Citi prestige card with Citi for 5 or 6 years now, and have paid the annual fee each year ( except for the first year where it was waived ). Each year I pay {$490.00} for the card, which I consider a sizeable fee, to avail the services for the full year. 

This year, on XX/XX/2021 Citi charged me the annual fee of {$490.00}. Subsequently, on XX/XX/2021, they sent me a message that my account was going to be closed - a unilateral decision on their end, because my billing address is outside of the United States and their policies serving non-US based customers has changed. 

Even though they cancelled my card shortly after I paid the fee, they are unwilling to refund my annual fee. I have called multiple times and sent multiple emails. Basically I paid {$490.00} with the expectation I would have my credit card for a year, and they are only providing 2-3 months of service, and are not wiling to giving me my money back! 

This is extremely unfair and that I've been tricked out of {$490.00}. I have had some sympathy from the Citi customer service team but they have NOT refunded me the fee. One representative tried to initiative a refund, and in fact I received an email saying that they tried to initiate it, but was later informed that their back office rejected it and the refund was never paid. There seems to be a clear mandate from their operations team to not issue this refund. 

I would appreciate if you could help resolve the matter.

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 2021-08-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Nelnet, Inc.
State: CA

Complaint narrative:
Attending XXXX XXXX XXXX as a VA student receiving the post XXXX GI bill. Tuition and fees were to be covered by the VA department yet during my time at XXXX I noticed charges against my federal loans. After investigating there were several courses in which I was charged but never attended. I attempted to talk to the school. Nelnet and I dead  never able to resolve. I felt XXXX was using unethical financial service practices almost seemingly attempting to double dip VA students at a school known for being among the most expensive tuition and yet a 2nd rate education. I was completely misled by XXXX from the start and lost over a year of VA benefits and over 15000 dollars in charges to my federal student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 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: AL

Complaint narrative:
I previously explained that my car was broken into and some of my personal identification was taken. I have since noticed that several attempts has been made to purchase things using my information that I did not do. The things listed on this report is fraud and not mine. You removed everything except the inquiry for XXXX XXXX XX/XX/21.

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 2021-08-12 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I've tried to correct this matter with reporting agency and have been denied of my rights numerous times. After initial communication on XX/XX/2021 of inaccurately information on my credit report. Company failed to even investigate. Stated Company reporting the information to the agency has made known over recorded lines that they do not have any open accounts with me and have made it known to the reporting agency of the facts herein. Reporting agency refuses to remove this account from my report causing me stress and ultimately the right to extend credit as this is impacting and hurting my credit file during verificationfrom lender 's. I have record of duration of calls and screen shots of account reporting to my credit file inaccurately without permissible purpose or consent. Holding company at fault for civil liability.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On Monday, I spoke with XXXX XXXX, VP Lending department at XXXX XXXX XXXX, he informed me that these XXXX [ XXXX ], had point a Lock and or a Frozen my Credit Report information. Listen up XXXX, XXXX Lock. Freeze my XXXX Credit Report, whoever you within XXXX, you XXXX XXXX youre Not Stopping me, listen up Im ALL Ready in court with a Big Case Im litigating, Im Not certain as to who you are within XXXX, in Federal court Im going to personally sue you and get you a go jail card, you XXXX XXXX XXXX XXXX XXXX youre Not Stopping me. Hey XXXX you did think I could do, you XXXXXXXX XXXX, that XXXX XXXX XXXX XXXX XXXX VISA account, better get that XXXX OFF my Credit Report, Purge this XXXX off my Credit Report, Im loving it, Im the XXXX Boss Now, XXXX XXXX XXXX out, XXXX XXXX ( XXXX ) XXXX out, XXXXXXXX XXXX XXXX out, XXXX XXXX that XXXX {$15000.00}, XXXX out, XXXX XXXX XXXX, {$11000.00}, XXXX  out, Im a the XXXX XXXX man XXXX, this is funny, XXXX XXXX  Im paying this TradeLine off before the XXXX of XX/XX/2021.

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 2021-08-12 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: AL

Complaint narrative:
I previously notified you that my car was broken into and some of my personal identification was taken. I have since noticed that several attempts has been made to purchase things using my information that I did not do. The things listed on this report is fraud and not mine. These inquires listed on the identity theft report is not factual and is actually FRAUD. Please delete this information

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I made a purchase with my paypal debit card on a website called XXXX on XXXX, and spent XXXX on parts for a paintball toy, and didnt receive an item, the merchant agreed to a refund, but only refunded XXXX out of XXXX, im still waiting on XXXX, I filed multiple claims with paypal, and it keeps getting denied because they see I received a credit from the merchant, but theyre are not looking at the numbers

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I have attempted to dispute what Experian is reporting regarding my credit history. It seems they are reporting conflicting information between summaries and my actual credit report. Also there was a significant drop in my credit score but the reporting doesn't indicate why. Experian does not have a way on it's website to either inquire or dispute an issue of this kind. Although the site 's FAQ says you can add a statement, there is no way to access a way to add the statement. When trying to call Experian to discuss the issue you have to wait an endless amount of time to reach service support. It seems the user experience was designed to avoid consumers from managing damaging information published by 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
Consumer complaint received 2021-08-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.

Complaint narrative:
In XXXX buy XXXX euros of XXXX  on the exchange coinbase in bank transfer. The next day they sent me an email that my account was under review, so far perfect. I saw that the days were passing and my account was still under review, until yesterday, XX/XX/2021, when they removed my resvision and I could now operate. But today XX/XX/2021 they have put me under review again and I don't understand why. I would like to have the review removed because I need to have my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-12 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: AL

Complaint narrative:
I have been calling and explaining to Equifax that my car was broken into and the thief took all my identification information and is now trying to open accounts in my name. I did not request anything from these companies. I spoke with someone today stating they had received the FTC identity theft report but it was after the time the review department has issued a decision. I am asking again that the information on this IDENTITY THEFT Report be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
I opened a savings account with Cit bank online. I travelled overseas for family 's medical reasons. I was informed by a Citi representative over the phone prior to leaving the United States that I can call in to request for a verification code in order to wire transfer funds. They normally send this verification code via text on the mobile phone number on file. However, a client who has no access to receive such text may also opt to call in for verification. Since I have no access to my US mobile phone while I am overseas, I called in for verification. I did everything they asked me to : I passed all the security questions they had in place to prove my identity, I called them long distance ( from abroad ) for hours on end. 

The problem : Citi blocked my online account - I have advised them duly of my travel plans and they said that would not be a problem. They informed me that even though I do not have access to my US mobile number for account verification, that I can call in answer their security questions and I will have no trouble accessing my account overseas. Yet, every time I tried to access my online account they would block it. They said they already lifted the restrictions on my account because I passed all the security protocols in place, yet they still could not grant me access to my online account. I am still using the same username and password since I opened the account, but Citi could no longer activate my online account, leaving me without access to my savings account while stuck abroad. 

I called them more than 20 times in the last XXXX hours but they keep giving me the run-around with no solution in sight. Please help me. All I need is to access my account using the same credentials I used when I opened the account. Nothing has changed except that I am currently overseas with no access to my US mobile number. I need to desperately wire money where I am overseas as I am running out of funds for medical and daily needs. I relied on Citi bank 's promise of global banking and online accessibility, but it has failed 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 2021-08-12 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: AL

Complaint narrative:
I explained a while ago that my car was broken into and the thief took all my identification information and is now trying to open accounts in my name. I did not request anything from these companies. It has been weeks and Transunion states that they never got the FTC report but responded to the complaint. I am hoping that they review the attached information & remove these inquries.

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