vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-29 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: CITIBANK, N.A.
State: KY

Complaint narrative:
Hi, I recently disputed a late payment report from Sears on XXXX complaint # XXXX. This issue occurred on XXXX and XXXX of XXXX where a late payment occurred. This was XXXX XXXX years ago! At this time, Sears was experiencing some financial issues as well. Their communication with their credit card owners was Not consistent, and they later closed the local Sears store. I did resolve and make the payment many years ago, and this account was closed. Sears responded by updating information. I am strongly requesting that this item be REMOVED from my credit report due to the length of time that has passed and its irrelevance to my otherwise excellent credit payment history. 

Thank you for your time and attention to this matter. 

Sincerely, 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 2022-03-29 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Every 30 days since XX/XX/2021 I have written to the bureau advising them that my personal information is incorrect but they still have not made the corrections. With every letter I include my GA state ID and my social security card as proof that : My name is XXXX XXXX XXXX. Any other variation of my name is unknown and unless it can be verified should be removed. 

My only address is XXXX XXXX XXXX XXXX, GA XXXX. Any other address is unknown and unless it can be verified should be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
{$940.00} XX/XX/2021 To Garnish wage, but i am not currently working and have not receive and proof of contract of debt owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
In XX/XX/XXXX I accidentally overpaid my credit card bill. I thought I was paying the current balance, but I paid the statement balance. Since my credit card did not have a high balance, my account was now at - {$3700.00}. I contact them on XX/XX/XXXX and they said they could return the credit to me. They took my bank information and I was told my money would be returned in 2-5 business days. On XX/XX/XXXX, i still had not received the money so I called and spoke with 3 different people. Each time I was given contradictory information. I was told my money was on hold. When I asked why I was transferred to someone else. This person told me he couldnt do anything because my payment was already pending. I was told that 2-5 days was not true. it was 5-10 days from XX/XX/XXXX. Each person I spoke too told me a different story and timeline. The final person I spoke to said the money would be deposited by XX/XX/XXXX. Today is XX/XX/XXXX and I still do not have the money and no one is willing to explain why.

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 2022-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
on XX/XX/2021 I opened a business checking account. My ex-husband, out of spite, called and claimed the account to be fradulent. I went into a local branch with all necessary documentation to prove that this was not fraudulent however, Suntrust/Truist , closed the account. There was a deposit/balance in the account at the time of closure ( XX/XX/2021 ) which was held for several months and never released to myself/my business. On XX/XX/2021 I called and was informed that the deposit amount of {$13000.00} was returned to the issuing bank and refuse to provide me with any explanation or written documentation showing the paper money trail. I don't know who the " issuing bank '' is and my client that initiated the deposit claims that they have no access or record of the funds being returned to them either. I need an explanation of where the funds are, and have them returned to me immediately along with interest for the time they have had our funds.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 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:
This letter is in regards to some misinformation reported currently on my credit reports. I would like these items deleted immediately. I have a fraud alert on all my accounts so i dont understand why or how this is still happening. i am a victim of identity theft and i have asked these credit agencies to delete these items and they are still there. i have enclosed a copy of my identity theft affidavit. please delete these as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 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: IL

Complaint narrative:
In XXXX of 2019, I discovered I had been a victim of identity fraud. A handful of credit cards had been opened in my name. I contacted all 3 credit bureaus and most of the information was removed from my credit report. I tried to open an XXXX XXXX today and I was declined after being told my Experian report has a derogatory remark attached to it. I called Experian and they told me it has to do with a credit card opened with XXXX bank in 2019 which they have refused to close. I have no knowledge of a credit card opened with XXXX Bank. All credit cards opened by me are being paid regularly and I have never had a late payment as is reflected by my credit score in XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Halsted Financial Services, LLC.
State: IL

Complaint narrative:
Received a call on XX/XX/2022 About a medical debt I asked him to send over any verification to me with my signature as medical bills are not okay to be sent to collections and may have violated my rights via HIPPA. They would not agree to send me anything told me I need to take accountability and pay my bills, over talked me and said they will keep calling about it until it is resolved. I told them they are no longer allowed to call me only contact will be via mail with whatever information they have on file

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd
State: CA

Complaint narrative:
I initiated 2 transactions via TransferWise Ltd XXXX  Transaction 1 : XX/XX/120 USD Transaction # # XXXX Transaction 2 : XXXX Monday XXXX USD Transaction # XXXX Recipient : XXXX XXXX Recipient Country : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-29 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: GA

Complaint narrative:
Every 30 days since XX/XX/2021 I have written to the bureau advising them that my personal information is incorrect but they still have not made the corrections. With every letter I include my GA state ID and my social security card as proof that : My name is XXXX XXXX XXXX. Any other variation of my name is unknown and unless it can be verified should be removed. My only address is XXXX XXXX XXXX XXXX, GA XXXX. Any other address is unknown and unless it can be verified should be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-29 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
During the month of XX/XX/XXXX I signed up for XXXX  Try then Buy program which allows users to try on a product for free and return it if they choose not to purchase it. I ordered a pair of XXXX glasses and returned them to a XXXX  store because I didnt like the style. 3 months later XXXX charged me because they said they never received the glasses. This was a lie because I 100 % did return them, so I contacted my credit card company ( Apple Goldman Sachs ) and filed a dispute with XXXX. My credit card company told me that I lost the dispute and I would be charged for the full amount of the glasses. I took the loss and paid because there was nothing more I could due. Flash forward to XX/XX/XXXX, I receive an email from XXXX stating they actually sent the money back to my credit card provider and accepted the chargeback. The XXXX representative informed me that my credit card double dipped because they received the refund from XXXX AND charged me as well. I have tried contacting my credit card company but they do not respond. I have email proof from XXXX XXXX XXXX with order ID # and refund ID # s proving they refunded my credit card company

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Fri, XX/XX/XXXX at XXXX PM Account Holder : XXXX XXXX Account Ending In : XXXX Dear XXXX XXXX, As a reminder, please visit your Apple Pay wallet to complete activation of your Citibank Debit Card in your mobile device Additional verification is still needed to complete activation of your Citibank Debit Card in Apple Pay. 

Call us right away if you did't request your card be added to XXXX XXXX XXXX you did not ask for this debit card to be added to XXXX XXXX, or if you need help completing your card activation, please call XXXX ( TTY XXXX ) right away. 

We hope to hear from you soon Thanks for the opportunity to serve you. 

2021 Citibank , N.A . Member FDIC. Citi, Citi and XXXX XXXX and other marks used herein are service marks of Citigroup Inc. or its affiliates, used and registered throughout the world. All rights reserved. 

XXXX XXXX is a trademark of XXXX XXXX, registered in the U.S. and other countries.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
{$940.00} XX/XX/2021 To Garnish wage, but i am not currently working and have not receive and proof of contract of debt owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc.
State: MA

Complaint narrative:
I bought a Vanilla Visa Gift Card in late XX/XX/XXXX and loaded the card with {$500.00}. I'm located in Massachusetts, I bought the card in Massachusetts and I did not leave Massachusetts during the time of this issue. Immediately after I bought the card, someone made charges on it at a number of stores including a XXXX XXXX XXXX and a XXXX  in XXXX XXXX that totaled more than {$400.00}. Once I noticed the transactions, I notified Vanilla and they closed the card. I can't even access the transaction history for the card now. As a result of these fraudulent transactions, I have not been able to use any of the {$500.00} XXXX put on the card I submitted a dispute packet to Vanilla Gift Card on XX/XX/XXXX and resubmitted it on XX/XX/XXXX. Vanilla acknowledged receipt of my dispute packet on XX/XX/XXXX and told me I should expect a " complete resolution within 90 days '' of XX/XX/XXXX. Despite this promise, they have not responded to my dispute. Moreover, I have emailed several times seeking information ( XXXX XXXX, XXXX, XXXX. XXXX, XXXX ) about my dispute and they have not responded. I also called Vanilla Gift Card on XXXX. XXXX and I was on hold for over an hour and no one answered. 

When this card was sold to me and loaded it is clear someone had already stolen the number and was just waiting for money to be added to the card to drain it. Vanilla should fix this situation, yet they will not respond to my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
XXXX XXXX has a negative item on my credit report from XXXX XXXX. I have had a prepaid account with XXXX since XXXX. My phone number is XXXX, the password for the account is XXXX. They just wrongfully charged my prepaid account recently ( XX/XX/XXXX ) and I was communicating with them about their mistake. They refused to write me a letter because it's a prepaid account. I buy their prepaid cards and load them on the XXXX app to pay for my prepaid service every month. For the month of XXXX, they charged my bank account while I had already paid using their prepaid card and app. I called them to have the charge removed from my bank account and I needed a letter for my bank to remove the overdrawn fee. XXXX refused to write a letter but they did refund my bank account and then properly charged me through their app with the prepaid card. Luckily my bank removed the overdrawn fee without a letter At any rate, This is exactly what XXXX did to me back in XX/XX/XXXX. They charged my bank even though I had paid for their services with their prepaid card and app. I have repeatedlly tried to resolve this issue with XXXX. They agree argue with me that it's a prepaid account and I that do not owe them. However ; They tell Experian that they turned the account over to collections. They double charged me and they will not resolve their issue thus having a negative account showing on my credit report for two plus years now with them. 
I want and need this resolved. XXXX says I do not owe them. When I try to fix it with the credit reporting agencies, I get the run around by both XXXX and Experian. Nobody at XXXX will remove the inaccurate item. Experian will not follow through with the information I have given them to remove the item through their dispute center so this complaint is against XXXX XXXX and Experian for ignoring and denying me repeatedly. Please be clear that Experian is a credit reporting agency and not a debt collector.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
OneMain Financial placed a block on my credit card 2 months ago and refuses to tell me why or how to get the block removed. I've called the company for the past 60 days asking for guidance on what needs to be done. In my first call in XXXX I was told I needed to call my financial institution to have the block removed; meaning call my personal financial institution that I make payments from to OneMain to have the block removed. On my second call at the beginning of XXXX I was told that my name would go on a list and they are slowly working down the list to remove blocks. On my third call in XXXX I was told that a letter was mailed out to me to tell me how to lift the block but that they couldn't tell me what was in the letter or when exactly it was sent. On my call today I was told the same, a letter will be mailed to me but they don't know when. Each time I request a supervisor no one is available and I will have to wait XXXX to 5 days for a callback for which I have never received. OneMain charged me an annual fee to use a card for which they have restricted the use of and refuse to tell me what I need to do to have the restriction lifted! I would like the annual fee refunded and the block removed from my card!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: WI

Complaint narrative:
As a result of the ongoing COVID forbearance, I'm now considering pursuing forgiveness through the PSLF program. During the COVID forbearance, I went back to school and enrolled full-time. I was also working full-time at a PSLF-eligible employer . I asked Great Lakes to remove the in-school deferment on my account and they said that they can not remove the in-school deferment status since it has already ended. I am frustrated because I want that year of non-payments to count towards PSLF like it would had I not gone back to school.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
My credit report has over fifty inquires and it wasn't me that made inquires. My identity was stolen a couple year back and now there are lots of false claims of me. Along with other information ill be disputing I noticed this stuff recently. I've found that this is all false and fraud and I want something done immediately as it has halted my life. Its not fair at all that I'm suffering financially by this error and credit bureaus want do anything to help me. i have submitted police report as proof, as by law if they don't have my personal hand signature I'm not liable. I want this investigated and removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-29 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: NC

Complaint narrative:
My credit report has over fifty inquires and it wasn't me that made inquires. My identity was stolen a couple year back and now there are lots of false claims of me. Along with other information ill be disputing I noticed this stuff recently. I've found that this is all false and fraud and I want something done immediately as it has halted my life. Its not fair at all that I'm suffering financially by this error and credit bureaus want do anything to help me. i have submitted police report as proof, as by law if they don't have my personal hand signature I'm not liable. I want this investigated and removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Paycheck Solutions llc
State: IL

Complaint narrative:
Calls started XX/XX/XXXX they have been constant almost everyday 2+ plus time a day. I asked them to please stop calling me especially during work hours on XX/XX/XXXX i stated my work hours are XXXX XXXX  - XXXX XXXX  XXXX and I can not have my phone blowing up. Also sent a letter back to the company when they threaten to garnish my wages and told them they can not do that as I have no knowledge of this debt. They told me I borrowed money in XXXX  and I informed them I have never heard of them and I have no knowledge of it and I had reported identity theft in XXXX and XXXX they will not stop calling and I have them blocked until they find another number and they will start again. Also what's on caller id is different to like they don't want to be known as what they are

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
I am not liable for this debt and I do not have a contract with this company. They have unlawfully placed a collection on my consumer report!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 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: GA

Complaint narrative:
XXXX XXXX # XXXX THIS ACCOUNT WAS REMOVE FROM MY RECORDS DUE TO NEGLANCE REGARDING LEASE AGREEMENT. WHERE I WON INSIDE THE COURTS IN MY FAVOR. EVERY BUREAU REMOVE IT EXCEPT TRANSUNION AND THIS UNACCEPTABLE.

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