vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-05 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: U.S. BANCORP
State: PA

Complaint narrative:
Hello my name is XXXX XXXX. I have a usbank reliacard. My card was locked XX/XX/XXXX. I have been contacting relicard customer service to get this fixed, I was told to fax a copy of my ID, drivers license and the reliacard number. I did all that and waited two weeks. Called them back and they said there was no fax ever received. So then I uploaded the documents on their website. I was told my an agent that the documents are now attached to my account and that it would take 5 business days for them to review it an unlock my account. It has been 5 business days and I am now being told my account is not unlocked an could take up to a month. I have bills to pay. I will loose my home. This account has already been locked for over a month. Please help. Usbank reliacard has  been given all the proof of my information. Every agent I talk to makes up more lies an just says to wait. I cant keep waiting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
Good afternoon, we have about 3 credits cards that refuse to wok with us due to the corona virus, I retract that 2 helped in the beginning but we are still not 100 % back to work as our governors has a mask mandate in place and my husband and I have a medical condition and can not wear a mask and most of our customers are requiring masks to be worn in their homes. At first some did postpone payments however the interest kept on being added and some late fees, which this brought us passed our credit limit, now that they have stopped and are wanting payments to resume they want $ XXXX to {$1700.00} up front which of course still not working 100 % it almost impossible to do, so now late fees are piling on, reporting to credit bureaus are still going on ( which they did even when they were not requiring payments ) My XXXX XXXX XXXX   MasterCard - XXXX XXXX  XXXX Costco - Citicards XXXX BestBuy Credit Services XXXX I also have credit companies that have reduced or closed my accounts even when there was no balances or was never late and still making payments i.e. The home depot card ( which we use for business ) XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX   and several others. 
I have no problem making payments to these companies but they have to be reasonable with payments as this is NOT something we caused, I have told them we can probably do $ XXXX {$150.00} per month and we even asked for them to reduce interest and stop late payments but they will not work with us. 
Thank you 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 explanation
Consumer complaint received 2020-10-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I received payment for an item that I sold on XXXX via Paypal on XX/XX/XXXX in the amount of {$180.00}. I shipped the item out and it was delivered on XX/XX/XXXX. The USPS has an issue with their tracking and it provided an additional status update that indicates that the item is in transit after it was already delivered. Paypal is refusing to release the payment until the item is marked as delivered. I contacted the USPS and they provided me a letter indicating the status showing on their system is an error, it will change, and the item was in fact delivered. This letter was provided to PayPal and they acknowledged it yet refuse to release the funds. 

The PayPal Transaction ID is XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-05 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: FL

Complaint narrative:
On XX/XX/XXXX, XX/XX/XXXX and XX/XX/2020 I submitted disputes to TransUnion about a fraudulent credit account on my credit report and submitted documentation of this account being removed from other bureaus reports, the credit companys letter stating they were removing it, my FTC and law enforcement reports. TransUnion has not yet removed 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 2020-10-05 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: CA

Complaint narrative:
After sending out multiple letters attempting to receive a response and have the information on my credit report updated correctly, I am being ignored and not given any correspondence from the bureau. I understand they have 30 days to complete their investigation and as of yet I have not received information in the mail and also I have not had the items changed to the correct status. I am very distressed and in need of some correspondence. I sent letters on XX/XX/20 and after not receiving any results I followed up with an additional letter XX/XX/20. It is now XXXX and I have heard nothing. I will be sending out another letter to attempt to have these erroneous items addressed and hope to receive a response and corrections. I will also attach the letter I am sending today. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Received unwanted marketing or advertising
Company: College Foundation, Inc.
State: NC

Complaint narrative:
I previously sent College Foundation a cease-and-desist letter letting them know to stop contacting my family members and friends about the debt they say I owe but yet after I sent them to cease and desist letter  they're sending me this letter dated XX/XX/2020 which is a violation of the cease-and-desist letter that I sent them certified mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 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: CA

Complaint narrative:
After sending out multiple letters attempting to receive a response and have the information on my credit report updated correctly, I am being ignored and not given any correspondence from the bureau. I understand they have 30 days to complete their investigation and as of yet I have not received information in the mail and also I have not had the items changed to the correct status. I am very distressed and in need of some correspondence. I sent letters on XX/XX/20 and after not receiving any results I followed up with an additional letter XX/XX/20. It is now XXXX and I have heard nothing. I will be sending out another letter to attempt to have these erroneous items addressed and hope to receive a response and corrections. I will also attach the letter I am sending today. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: GOLDMAN SACHS BANK USA
State: MT

Complaint narrative:
Saturday XX/XX/2020 closed my account, and transferred money out of my account at Marcus goldman Sachs. Been on the phone with them everyday, and long hold times, no one there knows why the account won't close or why the money will not transfer

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Receivable Management Services LLC
State: CT

Complaint narrative:
My son received a collections letter from The ( RMS ) Receivable Management Services, LLC on XX/XX/XXXX stating there was an overpayment of $ XXXXon his prescription drug plan back on ( service date ) XX/XX/XXXX, and he would have to pay it. He tried calling the number listed to ask what the complaint was and who it was through. He didn't get any answers that made sense. The name of mine and my husbands insurance carrier was listed in the letter - Mailhandlers - XXXX XXXX ( which was son is no longer on ). Due to XXXX he has been on XXXX XXXX insurance for quite some time now. 
I immediately called our insurance carrier ( since that is what was listed in the letter ). They agreed that yes, he was no longer on our ins and that they had never claimed a non payment for anything like this and had never sent anything into collections. They said since it was a prescription, Maybe XXXX had submitted the complaint. We did a three way call over to XXXX ( which handles all of our prescriptions ) and they also concurred there was no dispute and they hadn't sent him to collections either. After getting all this info I called the company that sent the letter where I was informed that they basically have no information at all to give me, just that a debt is owed. I told  the woman I spoke with ( XXXX ) that I had called all the parties involved and they all agreed that there was no debt and they had never sent anything in his name to collections. She stated that she  would mark the account as " disputed '' and that " maybe she could just " get the debt thrown out '' and someone would call me back within the next week. This did not sound right to me. My son ( who has a " host of mental issues '' was all freaked out about this hurting his credit and was ready to call and just pay the {$200.00} dollars. He doesn't even have any credit as of yet, so I'd hate to see the first thing on his credit report be a bogus collection from a shady collections company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
What happened was I recently started taking a look at my credit reports after being denied credit and I am concerned to find an account reporting incorrectly by LVNV FUNDING LLC. I sent multiply letters to them regarding this issue telling them that this information is invalid in the amount of {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC
State: PA

Complaint narrative:
I recently obtain a copy of my credit report and notice fraudulent activities. I have provide a copy of my FTC report along with 2 proof of ID.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: PA

Complaint narrative:
I recently obtain a copy of my credit report and notice fraudulent activities. I have provide a copy of my FTC report along with proof of ID.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-05 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: FL

Complaint narrative:
After reviewing my credit report I realized there were numerous inquiries and accounts listed that are not related to any transactions made by 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 2020-10-05 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: FL

Complaint narrative:
After reviewing my credit report I realized there were numerous inquiries and accounts listed that are not related to any transactions made by 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 2020-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have repeatedly contacted Equifax to have this bankruptcy inaccuracy removed. Equifax removes it and adds it back which lowers my credit score significantly. Equifax has had it listed as a Chapter XXXX then changed it to a Chapter XXXX. This information needs to be removed from my credit report immediately because it does not belong to me!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 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:
I have disputed an Account with " XXXX   ''. The case # listed on my credit report is XXXX. This company is currently reporting late payments on an account that was cancelled many months ago in XXXX. I disputed this account with the company as well as XXXX, XXXX and Transunion. I have provided proof of the cancellation via an email exchange between myself and the XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 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:
I have disputed an Account with " XXXX   ''. The case # listed on my credit report is XXXX. This company is currently reporting late payments on an account that was cancelled many months ago in XXXX. I disputed this account with the company as well as XXXX, Equifax and XXXX. I have provided proof of the cancellation via an email exchange between myself and the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Eastern Account Systems of Connecticut, Inc.
State: CT

Complaint narrative:
There are two accounts on my credit from XXXX  XXXX  XXXX in the amount of XXXX other in XXXX frontier is still taking actions with one account and then they sent the other account to easterns account. I spoken to someone on the phone numerous of times trying to understand why do I have so many accounts in my name with different bills and how can I even open up a account if I had amount due they stated that when I move I always get a new account I asked how when my account is supposed to be transferred? I sent frontier a letter on XXXX and they received the letter on XXXX someone by the name of XXXX XXXX received my certified mail along with my return receipt he signed for it Its been 30 days havent received anything then I wrote another letter on XXXX still havent received anything and today is XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
In me and my husbands attempt to secure a mortgage authorization letter, I worked with a lender beginning on XX/XX/2020. On 5 occasions, 1 original applications and the 4 follow-up applications, the lender received notification from the credit bureaus ( XXXX, Equifax and XXXX ) with the messages that our credit are frozen and not available as show at the bottom of this communication. Two notifications came across our cell phones on the 5 times which we responded to the request to allow access to our lender. I've tried numerous times over the last 5 weeks to resolve this with the credit bureaus which is impossible as no agents are available through the VRUs to assist - especially with XXXX. 
We have probably 12 different numbers that we have tried with the 3 bureaus Working on- PRODUCT OR SERVICE Credit reporting, credit repair services, or other personal consumer reports TYPE Credit reporting ISSUE Problem with fraud alerts or security freezes HAVE YOU ALREADY TRIED TO FIX THIS PROBLEM WITH THE COMPANY? 
Yes XX/XX/2020 Complaint Print https : //complaint.consumerfinance.gov/submit-a-complaint/s/complaint-print? sessionidXXXX XXXX We have probably 12 different numbers that we have tried with the 3 bureaus. Working on line with our 3 credit bureau accounts for my husband and myself, we see that there is no credit freeze on all accounts, and no fraud-alerts on 2 bureaus ( XXXX  and Equifax ). 
XXXX doesn't allow fraud alert removals on-line. It was our thought process over all these weeks to remove all freeze and fraud alerts so facilitate the lenders ability to get to our credit data. We intend to put the freezes and fraud alerts back on the our 3 credit bureaus account when our lender successfully pulls the credit report data. This has left us exposed to fraud which is usually available through the credit bureaus in the meantime. We can't get anyone to help us with the 3 bureaus to even understand what the problems is. I sent registered letters to the 3 credit bureaus on XX/XX/2020 to ask them to remove all freezes. We are at a loss of how to get our credit information made available to our lender which is hampering our ability put an offer on a home. Sincerely, Consumer Referral Information EQUIFAX INFORMATION SERVICES LLC | XXXX XXXX XXXX   XXXX XXXX, GA XXXX | XXXX | WWW.EQUIFAX.COM XXXX | XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, PA XXXX | XXXX | XXXX : XXXX XXXX XXXXXXXX | XXXX XXXX  XXXX XXXX, TX XXXX | XXXX | XXXX Error : FROZEN BY CONSUMER AS ALLOWED BY STATE LAW. TO SSN DOB TRU Applicant Co-ApplicantINFILE REPORT : Page 2 of 3 OBTAIN ACCESS YOU MUST OBTAIN AUTHORIZATION FROM THE CONSUMER AND PROVIDE THE REQUIRED IDENTIFIER WITH YOUR Co-Applicant Error : CONSUMER REQUESTED SECURITY FREEZE ON CREDIT FILE - REPORT UNAVAILABLE

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 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: U.S. BANCORP
State: CA

Complaint narrative:
I purchased XXXX XXXX flights with my U.S. Bank credit card totaling {$2200.00}. Subsequent to purchasing these flights, XXXX XXXX cancelled the flights. I requested a refund with XXXX XXXX through the phone and through email communication. The airline refused to refund me for the flights that it cancelled and eventually became non-responsive. Then, I disputed the charge on my card with U.S. Bank. Initially, I was provided a provisional credit for the charge. However, this credit was reversed and I was informed on XX/XX/2020 that this was because we " received the services represented by the transaction. '' I then called U.S. Bank to try and resolve the issue and communicated to their personnel that U.S. Department of Transportation rules require airlines to provide a full refund for flights that airlines cancel themselves, irrespective of the reason for the cancellation. However, U.S. Bank personnel informed me that XXXX XXXX provided some sort of documentation to show why they were rejecting the dispute and not offering a refund. I reminded U.S. Bank personnel that airlines can not ignore Department of Transportation rules and that it was illegal for them to refuse to provide a refund under the circumstances. I was informed that there was nothing that could be done because certain " Visa rules '' required them to reject the dispute if the merchant ( i.e. XXXX  XXXX ) provides ANY documentation objecting to the dispute. I reminded U.S. Bank personnel of the Department of Transportation rules but was informed that there is nothing they could do. I was instead provided with the mailing address of the Office of the President if I wanted to submit a complaint. Given that I am legally afforded a full refund, and not a travel voucher or any other alternative, I am seeking help to resolve this matter 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 2020-10-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: PA

Complaint narrative:
I recently obtain a copy of my credit report and notice fraudulent activities. I have provide a copy of my FTC report along with proof of ID.

Company response to consumer: Closed with non-monetary relief