vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-10 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I applied for and was approved for a Citibank Diamond Secured Credit Card and Citibank took {$2000.00} from my Citi checking account as security to hold for 18 months. 
When I started to use the card it was immediately blocked for " security reasons '' that was around XX/XX/XXXX ( I received the card on XX/XX/XXXX ). 

I called Citicards to unblock the card ( They outsource to the XXXX and the phone lines are terrible ), but they said they wouldnt as they couldnt verify me through my Cell phone number ( Citibank dont have this problem for my checking account which still works fine ). 

They said they would send me a letter with a code to verify, no letter turned up Ive since called them 4 times and 4 letters have been sent but none received. 

They asked if I had another card with another bank, so I got a card from XXXX, but now they say they cant use that other card to verify as its too new, I asked how long do I need to hold a card and they refused to tell me. 

Im now stuck with {$2000.00} taken from my bank account and a blocked card Citi refuse to unblock, should I just take them to Small Claims court to recover my {$2000.00}? 

From where Im sitting this appears to be nothing than a bait and switch scheme by Citi, taking money from customers who are trying to build their credit and then refusing customers access to those funds, some would call this fraud. 

Ive also reached out to Citibanks Executive Response Dept but havent had a reply, that was on 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 explanation
Consumer complaint received 2023-04-10 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: Consumer Portfolio Services, Inc.
State: MD

Complaint narrative:
I am writing this letter in response to the information provided in my credit report. Pursuant to 15 USC 1681e ( b ), I am exercising my right to dispute the accuracy of the information contained in my credit report. 
I have reviewed my credit report and found that there are errors and inaccuracies that need to be corrected. Specifically, [ describe the errors or inaccuracies in detail, including the account name and number, and any other relevant information ]. I have attached copies of supporting documents that prove the inaccuracies in my credit report. 
According to 15 USC 1681i ( a ), the credit reporting agency has 30 days from the receipt of my dispute to investigate and correct any inaccurate information. I request that you investigate and correct the inaccurate information in my credit report as soon as possible. 
Furthermore, I also request that you provide me with a written report of the results of your investigation, as well as a copy of my updated credit report. If you need any additional information from me, please let me know. 
I would like to remind you that it is your legal obligation under 15 USC 1681e ( b ) to ensure that the information in my credit report is accurate and up to date. Failure to comply with these code compliance procedures may result in legal action. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX  # XXXX, Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX  # XXXX, Account name : XXXX XXXX XXXX # XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-04-10 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXXXXXX  # XXXX, Account name : XXXX XXXX XXXXXXXX # XXXX Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-04-10 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: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I am writing th

is letter in response to the information provided in my credit report. Pursuant to 15 USC 1681e ( b ), I am exercising my right to dispute the accuracy of the information contained in my credit report. I have reviewed my credit report an
d found that there are errors and inaccuracies that need to be corrected. Specifically, [ describe the errors or inaccuracies in detail, including the account name and number, and any other relevant information ]. I have attached copies of supporting documents that prove the inaccuracies in my credit report. 
According to 15 USC 1681i ( a ), the credit reporting agency has 30 days from the receipt of my dispute to investigate and correct any inaccurate information. I request that you investigate and correct the inaccurate information in my credit report as soon as possible. 
Furthermore, I also request that you provide me with a written report of the results of your investigation, as well as a copy of my updated credit report. If you need any additional information from me, please let me know. 
I would like to remind you that it is your legal obligation under 15 USC 1681e ( b ) to ensure that the information in my credit report is accurate and up to date. Failure to comply with these code compliance procedures may result in legal action. 
Thank you for your prompt attention to this matter. 
Sincerely, 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 2023-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I sometimes help/folks within the XXXXXXXX XXXX to help setup their projects as a side fun activity whenever I have time outside of work. And I have been doing so for the past 3-4 years, from which I have been collecting small payments that I also been reporting on my personal taxes as gains. Other banks that I use for this service are XXXX XXXX and XXXXXXXX XXXX through their XXXX platform. 

On XX/XX/XXXX a man that I have known ( online ) for about a decent 1-2 years, approached me and asked me if I could help him out with his side project that he was working on. After carefully reviewing I gave him a price quote of {$2700.00} < this includes my expenses close to {$2000.00} to help this individual. ( I attached pictures of our conversations ) He agreed and asked me if he could simply just XXXX the full {$2700.00}, in which I agreed. But he made up some excuse and asked me to only send {$980.00} form his personal account because he reached his daily limit ( picture attached - XXXX XXXX XXXXXXXX XXXX ) XXXX he then asked if he could send the rest of the payment from his girlfriends XXXX  account which was {$1700.00} ( XXXX XXXX ) The next day I wake up to an email stating that my account was restricted and would need to call you guys for support and resolve this issue. I run through with the rep and explain everything to him, the first thing that comes out of his mouth is that what I'm doing as a service is against TOS of XXXX because I'm operating a business. In which I'm not, I do this for fun and my profit is just my labor as my expenses to help the individual is subnational and close to 85 % of the total payment. Nevertheless, I have been accepting payments for such gig since early XXXX from banks like XXXX and XXXX XXXX and they have never complained to me once nor have I caused any XXXX related problems. 

The user issued a merchandize scam with their bank which is clearly XXXX, I have never met the individual in person, I live in XXXX and have not been out of state since early XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXXXXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX Account # XXXX, has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-04-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Revenue Corporation
State: TX

Complaint narrative:
- On XX/XX/2023 I wrote a Validation letter to United Revenue Corp : and they received onXXXX regards to my consumer right of the Debit Collection Act 15 USC 1692g , Sec 809 ( 8 ) ( FDCPA ). They have ignore my request of documentation that I have the right to request my second Validation attempt letter to United Revenue Corp : of Agreement docs and more as you will see that I have uploaded ( attached ) is what I sent to them for the second time and by law they have 30 days to validate my request as this is my consumer right of the law. In violation of this request law and ignoring my request of all documentation that you will see attached that I have asked for I demand that this item ( Medical ) that is being reported on my consumer report be REMOVED ( DELETED ) .from my consumer report because of the 30 days past due that I did not receive none of the documentation that I asked for from UNITED REVENUE CORPORATION . I am requesting that the CFPB who protects me as a consumer have this negative information and violation of the 30 day request law that has been ignored REMOVE, ( DELETE ) this item from my consumer report. Thank You!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I was looking at my credit report and I saw a few things on there that wasn't correct and I reached out to the creditor on on XXXX XXXX for proof these were my debts. I requested this information to the following agencies Midland Credit Management XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MI XXXX Re : Amount {$620.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, NY XXXX Re : Acct # Ending in XXXX ( as it appears on credit report ), Amount {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX Re : Acct # Ending in XXXX, Amount {$4400.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX Re : Acct # Ending in XXXX, Amount {$2500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Re : Ref # XXXX, Amount {$770.00} I didn't know this was even on my credit report until I was trying to get a house loan and was denied do to theses marks on my credit report. I feel I have given them proper time to give me the items I have requested and they have failed to compile with my request of them in 30 days from my letters I have attached to each of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 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: AL

Complaint narrative:
The information above was never proven to meet compliance reporting standards. The information was never verified to be accurate or complete. I was sent a letter stating that XXXX XXXX verified this information to experian and I have no bankruptcy on my XXXX XXXX report to verify as accrue. Viewing Type demonstrating XXXX XXXX Bankruptcy. There are some aspects of this account that I am having trouble understanding ... because its not accurate. Can you provide more information about your process for ensuring 100 % compliance across all areas? 
Lets examine Liability showing XXXX Clearly you're not a fan of compliance standards, as I can tell from how inaccurate the data for this account and my credit report is! This isn't enough to convince me that all information for the account has been verified. Prove it! I was looking at Closing Date expressing XX/XX/. There is no question that compliance with regulatory mandates for accurate credit reporting, including those related to document verifications and proofing processes has never been more important. Can you show me where your company is following all of the rules when it comes to reporting this account? I'm looking for official documentation that will prove 100 % accuracy and compliance with credit-reporting guidelines. Physical tangible proof

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 2023-04-10 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
On XX/XX/XXXX, I used my AMEX credit card at an ATM to withdraw funds, however- the ATM failed to dispense funds and my account was subsequently debited. On XX/XX/XXXX, I called the bank and filed two disputes in the amounts of {$840.00} ( XXXX ) and {$520.00} ( XXXX ). The representative assured me that I will not be responsible for paying back the funds because it is under investigation. Fast forward, I have yet to receive any credit for the two disputes I filed, and it's been 3 weeks now. Moreover, my balance on my account still reflects the two withdrawals, even though I was told by multiple representatives ( including a manager ) that I do not have to pay anything back. I don't understand why I haven't received any credits on my account after waiting this long. I've been a customer for 3 plus years, I pay my balance every month, yet I can't receive a refund for my disputes until the investigation is concluded. From my experience, banks typically provid a provisional credit ( AMEX has done so before on disputes for my account ) until the investigation is done, then they either reverse it or make it permanent. To date- I have not gotten any written correspondence from AMEX regarding the status of my dispute or a refund for either amount. Every time I call I get the same scripted response, but no real resolution. I need my money!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
Hello, I cant provide the exact dates because it happened a couple of years ago, I had a XXXX XXXX account, probably around XXXX or XXXX. This account was paid by XXXX XXXX when the Switch to us program was available. I visited a XXXX company back in the days and offered me the promotion of paying the account to switch to them. It is not the first time that XXXX provide the wrong information to me causing me to own money. Before I had to solve owning a phone after it was informed to me that removing that line wouldnt affect me, that situation was fix successfully but now Im dealing with this unpaid account that I wasnt aware of and trusted that it was paid off by XXXXThe information that was provided to me was that this balance was paid off. If a employee made a mistake or misinformed me, I should not be having this reported. Since I am disputing this debt, CONVERGENT OUTSOURCING should not report it to the credit reporting agencies. 
Reporting information that is known to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting act. Total amount supposedly own {$2400.00}

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 2023-04-10 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: TX

Complaint narrative:
THEY ARE CONTINUING TO REPORT FRAUDULENT INFORMATION EVEN AFTER BEING NOTIFIED.

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 2023-04-10 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: Lendmark Financial Services
State: MD

Complaint narrative:
I am writing this letter in response to the information provided in my credit report. Pursuant to 15 USC 1681e ( b ), I am exercising my right to dispute the accuracy of the information contained in my credit report. 
I have reviewed my credit report and found that there are errors and inaccuracies that need to be corrected. Specifically, [ describe the errors or inaccuracies in detail, including the account name and number, and any other relevant information ]. I have attached copies of supporting documents that prove the inaccuracies in my credit report. 
According to 15 USC 1681i ( a ), the credit reporting agency has 30 days from the receipt of my dispute to investigate and correct any inaccurate information. I request that you investigate and correct the inaccurate information in my credit report as soon as possible. 
Furthermore, I also request that you provide me with a written report of the results of your investigation, as well as a copy of my updated credit report. If you need any additional information from me, please let me know. 
I would like to remind you that it is your legal obligation under 15 USC 1681e ( b ) to ensure that the information in my credit report is accurate and up to date. Failure to comply with these code compliance procedures may result in legal action. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
Good morning.. my dears At Consumer Financial Protection Bureau XXXX greeting, It's XXXX XXXX my time in the state of California, today is Monday XXXX XXXX, On or Around XXXX XXXX, I contacted CEO HSBC bank USA.N.A . ..Mr. 
XXXX XXXX, to process my Judgment XXXX At the XXXX XXXX XXXX XXXX  , County Court, State of Arizona, then month Later, I did contacted him again, then month later I Made a trip to HSBC bank XXXX XXXX, to talk to branch Manager he advised me to Contact the HQ, it's over six Month now, no reply received from HSBC bank HQ, please contact XXXX XXXX XXXX Bank CEO, thank you

Company response to consumer: Closed with explanation