vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-09 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: FL

Complaint narrative:
I charged a large amount to pay for construction on my home on XXXX XXXX, 2019. I had called my credit card company to increase my credit ceiling which I was advised was {$62000.00}. The credit charge was for {$22000.00}. I immediately wrote a check, from my Home Equity Line, after I confirmed what address to send it to Citicard at. I checked frequently and although I called once to find out if the check was " in the system '' this could not be confirmed. I finally noted that the check was debited to my bank on XXXX XXXX, 2019 and confirmed on reviewing my Citi Card account that the payment had been noted and credited on XX/XX/XXXX. On Sunday XX/XX/XXXX I attempted to pay for theater tickets costing {$400.00} dollars. The charge did not go through. I called Citicard that night and was advised that i had exceeded my credit limit. When I ponted out that CitiCard had credited me {>= $1,000,000} on XX/XX/XXXX, I was informed that because this payment had come from a different account than I typically use, it had been flagged and I would not be credited for 7-10 business days. 
I made 2 additional calls to Citi Bank both by phone and chat. I spent over 3 hours on these various attempts to resolve the issue. I spoke to one supervisor who apologised for the delay but could not reverse it on Tuesday XX/XX/XXXX. 
I spoke to the first agent, XXXX, identification code XXXX on Sunday XX/XX/XXXX initially. I asked CitiCard to file a complaint on a chat line on Monday or Tuesday XX/XX/XXXX or XXXX. 
The check was finally fully credited on Wed XX/XX/XXXX. 
I find it unacceptable for a bank to not inform you by text, email or phone that your credit limit has been reached. I get numerous fraud alerts from CitiCard and I would expect exceeding one 's credit limit would likewise be able to communicqted. 
Even though I spoke with an agent about my large purchase and confirmed that I would be mailing a check, the agent never mentioned that the check would take 16 days to be credited to my account. It was written on XX/XX/XXXX and credited on XX/XX/XXXX. In addition, no one had the courtesy to call, email or text that their would be a 7 to 10 business day delay until this large check would be taken off " hold '' as they called this delay in crediting my account. 
The lack of transparency and the complete disregard of the customers concerns is deeply distressing. The inefficiency and inability to resolve the issue is a waste of my time and energy as well as Citicards. Please look into this issue as I am sure it is affecting other customers as well, Thank you for your assistance.

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 2019-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
THE DISPUTED ACCOUNT IS AN ACCOUNT THAT HAS BEEN PAID IN FULL AND IT IS REPORTING AS A DEROGATORY ON MY CREDIT FILE. PLEASE HAVE THIS ACCOUNT REMOVE OFF MY CREDIT FILE BECAUSE IT HAS BEEN CAUSING TREMENDOUS DAMAGE TO MY NAME AND CREDIT FILE. THE ACCOUNT INFO IS XXXX XXXX FOR {$78.00}. ATTACHED WILL BE THE PROOF OF PAYMENT.

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 2019-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
THE DISPUTED ACCOUNT IS AN ACCOUNT THAT HAS BEEN PAID IN FULL AND IT IS REPORTING AS A DEROGATORY ON MY CREDIT FILE. PLEASE HAVE THIS ACCOUNT REMOVE OFF MY CREDIT FILE BECAUSE IT HAS BEEN CAUSING TREMENDOUS DAMAGE TO MY NAME AND CREDIT FILE. THE ACCOUNT INFO IS XXXX XXXX FOR {$78.00}. ATTACHED WILL BE THE PROOF OF PAYMENT.

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 2019-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
THE DISPUTED ACCOUNT IS AN ACCOUNT THAT HAS BEEN PAID IN FULL AND IT IS REPORTING AS A DEROGATORY ON MY CREDIT FILE. PLEASE HAVE THIS ACCOUNT REMOVE OFF MY CREDIT FILE BECAUSE IT HAS BEEN CAUSING TREMENDOUS DAMAGE TO MY NAME AND CREDIT FILE. THE ACCOUNT INFO IS XXXX XXXX FOR {$78.00}. ATTACHED WILL BE THE PROOF OF PAYMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-09 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: World Acceptance Corporation
State: GA

Complaint narrative:
On XX/XX/2019 I obtained a loan from a company called World Finance, located at XXXX XXXX XXXX, XXXX Ga, XXXX. The loan that I received and requested and was also issued a check for was in the amount of {$1200.00}. The transaction was handled in the late evening after a long day of work and upon arrival the office was closing in 10 minutes. The owner of the branch whose name is XXXX, sat down with me and went over my loan paperwork and had me sign. I was clearly aware of the high APR and was also advised that there was no prepayment penalty, later that evening I did a mobile deposit and deposited the check into my bank account. The next day I realized that I no longer wanted this loan and could probably get a better rate elsewhere and made a decision to cancel. I contacted World Finance on XX/XX/2019 at that time I again spoke with XXXX and advised him that I still had the funds and would like to return in full and cancel my loan. He advised me that because I deposited it, I would be unable to do so and would need to pay in full the amount of {$1400.00}. I was shocked as it had not even been a full 72 hours and that for two days I would have to pay almost {$210.00} additional plus what I had borrowed. I realized then that something was not right and that may have been taken advantage of, in my time of need. To avoid any additional fees/fines/interest I went ahead and paid what XXXX had advised me to pay in order to cover the loan. I am fully aware that I signed a contract with an interest rate that is extremely high and abnormal. My concern however is that the additional {$210.00} I had to pay to cover my loan and that I had only had for 3 days was quite excessive and again abnormal. Per the FTC, I was advised to file a complaint with the CFPB. I am really hoping that someone will take a look into this. If it happened to me I am sure it has happened to so many others. I blame myself for putting myself in a situation where I would have to pay back a loan double than what I received what I didn't realize is the fees associated with it, that would be assessed within just 3 days of having the loan. This has to be illegal. Attached you will see all my loan documents, the check that was issued to me and the confirmation of the amount that was paid to world Finance by me. Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: WESBANCO BANK, INC.
State: WV

Complaint narrative:
Wes banco I paid them 6 1/2 years ago and I would like it off my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: OR

Complaint narrative:
I received a debt collection letter via mail from Jefferson Capital Systems , LLC on XX/XX/2019 claiming that I owe {$400.00} from XXXX XXXX XXXX. I responded to Jefferson Capital Systems , LLC on XX/XX/2019 disputing the debt and requesting proper validation, such as the original instrument of indebtedness. Tracking via USPS certified mail confirms that Jefferson Capital Systems , LLC received my letter requesting validation on XX/XX/2019 at XXXX XXXX, but Jefferson Capital Systems , LLC did not respond. I sent Jefferson Capital Systems , LLC a follow up letter on XX/XX/2019 with USPS certified mail tracking in regards to not responding to my validation letter, as well as an FDCPA reminder for false reporting. Jefferson Capital Systems , LLC failed to respond. I sent another letter to Jefferson Capital Systems , LLC on XX/XX/2019 in regards to not responding nor sending me proper validation of this debt. Furthermore, I am requesting that ALL information pertaining to Jefferson Capital Systems , LLC and XXXX XXXX XXXXXXXX  be removed from ALL credit reporting agencies. I have maintained all proper records and documentation, which has been included in this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XX/XX/2019, I purchased a used truck from my local dealership. I requested my credit information be pulled by my bank as I already had loans through them before. The dealership sent my information off to two other banks that I did not give authorization for. I would like these removed from my credit reports XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX, IL XXXX Also, on XX/XX/2019, i was a co-signer for a car loan. The dealership said they would only send my application to two banks as i stressed I did not want my credit report hit multiple times and drop my score. They told me this was no problem. I then got 6 alerts on my phone that an hard inquiry was made and went on my credit report. I asked the dealership why they did this cause I did not give the okay to send my information out to 6 banks for a car loan. I would like these removed as well The inquires are as follows : XXXX XXXX, TX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX 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 2019-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Unauthorized Inquiries 1XXXX XXXX  XXXX Inquiry date : XX/XX/XXXX 2.XXXX XXXX  XXXX. 
Inquiry date : XX/XX/XXXX 3.XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX 4.XXXX XXXX XXXX Inquiry date : XXXX XXXX, XXXX 5.XXXXXXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX 6.XXXX XXXX  XXXX Inquiry date : XX/XX/XXXX 7XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX 8.XXXXXXXX XXXX XXXX   Inquiry date : XX/XX/XXXX 9.XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX 11.XXXXXXXX Inquiry date : XX/XX/XXXX 12.XXXXXXXX XXXX XXXX Inquiry date : XX/XX/XXXX 13.XXXX XXXX Inquiry date : XX/XX/XXXX 14.XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX 15.XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX 16.XXXX XXXX XXXX   XXXX Inquiry date : XX/XX/XXXX 17.XXXX XXXX XXXX Inquiry date : XXXX XXXX, XXXX 18.XXXX XXXX XXXX   XXXX Inquiry date : XX/XX/XXXX 19.XXXX XXXX XXXX Inquiry date : XX/XX/XXXX 20.XXXX XXXX XXXX XXXX 
Inquiry date : XX/XX/XXXX 21.XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/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 2019-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/XXXX a withdrawal from my account for XXXX XX/XX/XXXX a withdrawal from my account in XXXX XX/XX/XXXX a withdrawal for XXXX I called Bank of America on XX/XX/XXXX when I logged into my account and saw that they said my account was on hold for suspicious activities. I looked and there were a bunch of transaction that I did not do. They are from XXXX and XXXX. I have not bought anything or been to those places. I filed a request for a claim they did not grant it. The bank said I must know the person and I authorized them. That is not true at all. I dont know if the bank is trying to steal my money but I did not do that. I didnt receive any notification or anything they just let these people steal my money. I need my mo eye back I am on a fixed income. Please help me I dont know what to do

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 2019-11-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Hi this is XXXX XXXX i disputed a transaction on capital one and they re billed it cause i never received there request of more proves so i had to call them and re open the case they request a pic of the phone and etc .... so i provided them with all they requested and they never follow up with me i had had to call and last time on XX/XX/XXXX after many times of uploding the information they requested and adjusting what they asked me to do i called on XX/XX/XXXXand the supervisor said this all what we need u have a strong case, and they never follow up with me i have to call every time and waste like at least 40 min, anways they ended up not disputing the transaction they said I did provide them with the all informTion, which i sent exactly whAt the request and everytime they say i should have sent diff documents, yesterday i spent 2 hours and all what they said unfortunately we can do nothing!!! After wasting my time between calling them on the phone and going to another merchant to get another opinion regarding my case, they said I didnt provide them what With information they needed, i asked them i need to see the third party decision which is master card they refused to send me which i believe they never sent the case to be reviewed by master card, and u told them i can go again and provide u with the statement with a letter head from the merchant they refused to open my case 0 customer service they did care about wasting my time for nothing!!!!!!!!! why they didnt tell me from day what they needed exactly!? And why they confirmed that they got all what they needed whenever i called them!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I deposit {$350.00} into CitiBank ATM machine on XX/XX/2019 at XXXX. The cash jam, the ATM issue a receipt said " I am sorry, because of technical problem, I can not return your cash right now ''. Contact citibank on XX/XX/2019, a temporary {$350.00} credit was issued. Received letter from Citibank on XX/XX/2019 said case closed due to insufficient evidence. Yet the only evidence I could provide is the receipt from ATM. At least it proved at least 1 bill was deposit and get struck.

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 2019-11-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: MS

Complaint narrative:
On XX/XX/2019. I sent money to what was supposed to be a business called official XXXX XXXX. I learned through them on XXXX. It's a business which provides clothing and accessories deprived off of cannabis strand names. However I semtonry through cash app to $ XXXX and never received my product or any further contact. Cash app should be liable for all assets not received.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Portfolio Recovery did not notify me before sold my debt to a law firm who is suing me now with portfolio refused to remove the account from my credit report after the account was sold to XXXX and XXXX. Both agency did not contact me I found out through the XXXX  county court and my court date is XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
XXXX XXXX did not notify me before sold my debt to a law firm who is suing me now with portfolio refused to remove the account from my credit report after the account was sold to XXXX and XXXX. Both agency did not contact me I found out through the XXXX county court and my court date is XX/XX/2020.

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 2019-11-09 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: CITIBANK, N.A.
State: TX

Complaint narrative:
They are still trying to collect after 21 years. They say the account is open. And I owe {$1400.00} but have available credit of {$9600.00}. I have not oaid on that since XX/XX/2000.

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 2019-11-09 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: BB&T CORPORATION
State: FL

Complaint narrative:
I visited a local lawn mower store by the name of XXXX XXXX. I received a quote for a lawn mower for {$10000.00}. As of today, XX/XX/2019, a loan was submitted on my behalf, without a binding contract.

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 2019-11-09 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: EQUIFAX, INC.
State: TX

Complaint narrative:
They are still trying to collect after 21 years. They say the account is open. And I owe {$1400.00} but have available credit of {$9600.00}. I have not oaid on that since XX/XX/2000.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivable Recovery Services, LLC
State: AL

Complaint narrative:
I had noticed recently that my credit report had collections from a company named Receivable Recover services. On XX/XX/2019 I called Receivable Recovery services because in XXXX I had sent letters asking them to verify debt that they claim I owe and had not received a response. I spoke with 3 different people after calling 3 different times that day. I asked them to tell me what the debt was for and they gave me a list of account numbers and amounts that were owed. I asked if they were duplicates because the some of the amounts reported on my credit report are the same. They said they were not. I asked them to send me validation of the debt and the person I spoke to said that she would check with her manager. On XX/XX/XXXX I received a packet in the mail with a list of account numbers and amounts owed, with the original creditor being XXXX XXXX 
These are the amounts owed. 
{$120.00}, {$50.00}, {$120.00}, {$65.00}, {$150.00}, {$120.00}, {$65.00}, {$630.00}, {$520.00}, {$65.00}, XXXX, {$600.00}, {$350.00}, {$36.00}, {$600.00}, {$28.00}, {$830.00}, {$41.00} Also Included in the packet was various copies of " Conditions of treatment '' with signatures on the 3rd page. On one account the signature is clearly not even my name. I am not responsible for the account. Some of these other signatures look nothing like mine. This is not an adequate validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To whom it may concern : Your denial of my credit is based on ( insufficient credit experience ) your words. From a company that has little to no information on me. 
I have multiple copies of Experian reports they did not check their own records.

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