vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
On the XX/XX/2021 I made a transfer of {$25000.00} from my XXXX checkings to my Citibank checkings account ( the money was meant for an urgent Medical and business project purpose ) the money was made available in my Citibank XX/XX/2021 as I tried to access the money I was locked out of my online banking I called Citibank and they told me my account has been closed for no specific reason and also told me I would be sent a letter and a check of my balance with XXXX days this occurred around XX/XX/2021 and until now I have received nothing, I kept calling and they keep telling me there is nothing they can do .I strongly believe that I did nothing to deserve this treatment from Citibank I have XXXX a whole lot in my business and my health is also on the line .I feel intimidated and I need help seriously this issue is seriously affecting my life and Citibank are responsible for this .please help 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 2022-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIZENS FINANCIAL GROUP, INC.

Complaint narrative:
My name is XXXX XXXX XXXX and Im a XXXX citizen living in the XXXX. I had a checking and savings account with XXXX. I am currently living in XXXX. I was notified my account would be transferred to Citizens Bank. Since this transfer, I have not been able to access my account or my funds. I was on hold for over XXXX hours with. No answer. I hung up and tried later and was on hold for over an hour. Ive called numerous branches with no answer and Ive tried several times with online chat and Ive been told I need a XXXX based number now to access my account. My account with XXXX was opened while I was in the XXXX so I dont have a XXXX XXXX number. Ive been told in the chat that XXXX cant access my account without a XXXX number so my funds are unavailable to me. I have not received any information regarding my new account. I do have the new debit card, but it does not have the bank details on it and I have no PIN. I also cant download the app for my phone because its not available for people in the XXXX. Ive sent an email to them regarding this and the email has come back unreturned. Ive looked online and it appears people who are not based in the XXXX are having the same problem. XXXX concerned I wont be able to access my funds. Ive just finished with another chat and they are not allowing me access to my funds. Please help me with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Ive written numerous letter to Experian since XXXX XXXX XXXX exceeding my rights as a consumer. I am the original creditor and no one can report anything to my consumers credit report without my written consent. 
I know that Experian received my letters because I sent it with a return receipt and they still have yet to grant me my request. How can Experian keep breaking the U.S.Code? Please send me a copy of my written consent.

Under 15 USC 1681b ( 2 ) - Permissible Purpose of consumer reports in accordance ( 2 ) with the written instructions of the consumer to whom it relates!!

Experian do not have permissible purpose Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period, you must delete all of the disputed accounts from my report. You must now delete the disputed and unverified accounts. Failure to do so can result in a {$1000.00} fine per undeleted item.

Its been well over 30 days and my demand for these items to be removed have not removed at all. 

Experian took information from someone else other than myself and reported it to my consumers credit report. Experian and the companies liable are committing identity theft/fraud. Thats aggravated identity theft! 
( 18 USC 1028 ).

Under 15 USC 1681a ( 4 ) Accurancy and fairness of Credit Reporting ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy!!!! 

As a consumer, I have the right to fairness of credit reporting! No One can dictate what goes on my report other than myself! 

These are just a couple laws that Experian has broken. 

Experian knowingly and without lawful authority produces an identification document, authentication feature, or a false identification document ;

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 2022-02-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TrueAccord Corp.
State: MI

Complaint narrative:
XXXX XXXX XXXX with XXXX # XXXX in the amount of {$1000.00} from XXXX XXXX, XXXX is illegality holding an account that has been filed as fraud since XXXX, XXXX, XXXX. 
Affirm, XXXX was notified XXXX, XXXX, XXXX that the account in collections was listed as fraud ; by their hired, XXXX XXXX XXXX XXXX listed as : True Accord holding account # XXXX and reference # XXXX for loanID # XXXX. - Noted by XXXX. XXXX ID # XXXX XXXX, XXXX. XXXX True Accord then notified XXXX XXXX XXXX XXXX, XXXX, XXXX of the account they were currently holding listed as fraud. True Accord had not been notified by XXXX XXXX XXXX in over a year ( XXXX, XXXX, XXXX ) as the validity of the account ( stated by XXXX XXXX. XXXX the submitted to XXXX XXXX XXXX on XXXX, XXXX, XXXX a noted fraud collections. Affirm, XXXX was notified and verified of notification on XXXX, XXXX, XXXX by XXXX XXXX and XXXX XXXX XXXX they both verified and confirmed they had not been in response to this notification in over XXXX days and they did not notify the listed customer or True Accord of any supplied information in over XXXX  days. ( XXXX, XXXX, XXXX ). To date XXXX, XXXX has still not supplied any documentation or validation of this debt to any parties, nor has it followed fair credit practices to remove any accounts during the supplied and allowed time. 

The original loan was established on behalf of a merchant that was notified XXXX, XXXX, XXXX of fraud, the merchant notified that the order was never fulfilled and the transaction was listed as fraud. XXXX, XXXX was notified that an established fraudulent loan was made and the attempt of this loan is not sufficient as the merchant never fulfilled order.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
Synchrony Bank has continued to harass me though my consumer reports and letters, they disturb my peace, disturbed my health, continues to threaten my reputation, and has continued to report without my consent these damaging allegations to the major consumer reporting bureaus, a responsibility they assumed and was never given to them. 
I have sent a debt validation letter by certified mail which they have never returned filled out. They have also discriminated against me for exercising my rights, pursuant to XXXX XXXX XXXXXXXX XXXX ( XXXX ), Synchrony Bank closed my care credit account, which was in perfect standing and had a credit line of {$500.00}, and also without my consent have closed my XXXX XXXX credit account which had a limit of {$4000.00} also after requesting and sending a proper debt validation request, which they never replied to. They after acknowledging receipt of my cease and desist have continued to cause harm to my reputation.

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 2022-02-23 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: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/2022, I purchased a XXXX ( order number XXXX ) in the amount of {$3500.00}, which posted to CitiBank XXXX XXXX account on XX/XX/2022. The bed was purchased for XXXX XXXX XXXX, who is diagnosed and suffering from Stage XXXX XXXX and undergoing XXXX. Originally, the bed was scheduled to be delivered on XX/XX/2022. The delivery date was then postponed to Monday, XX/XX/2022. However, the driver then called and informed her they couldnt deliver the bed because it was damaged. ( See photos ). The delivery was then changed to XX/XX/2022, and then XX/XX/2022. On the XXXX failed date of delivery ( XX/XX/2022 ), XXXX XXXX XXXX received a call from the driver advising that the bed could not again be delivered because it was damaged. Please be advised that XXXX XXXX did not ever receive the merchandise as the drivers refused to even attempt delivery due to the damaged condition of the merchandise. I called XXXX numerous times and dates ( I have proof of the phone calls and various emails ) to obtain a resolution of this matter. I was advised by XXXX of XXXX on XX/XX/2022 that the bed would be delivered via XXXX XXXX and would be delivered undamaged on XX/XX/2022. The bed was then scheduled to be delivered on XX/XX/2022, between the hours of XXXX XXXX pm. I have repeatedly emailed and called ( see attached emails and photo proofs ) XXXX in a good faith effort to resolve this situation, to no avail. XXXX keeps promising to call me with an update and never do so. I have exhausted all recourses with XXXX. Now they won't return our calls. We want a refund as we have not received the XXXX we paid for! I have contacted CitiBank to have them fully refund the amount on my debit card as we have not received the bed that was purchased for a XXXX patient.

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 2022-02-23 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: WI

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a XXXX XXXX over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for XXXX days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are XXXX  consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXXdays XXXX they record the calls XXXX admitted they had my police report XXXX XXXX and XXXX  That was after attempting to contact Transunion more than XXXX times. transunion is an XXXX company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX XXXX cant provide to my XXXX year old XXXX PLEASE HELP ME PLEASE

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 2022-02-23 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: MD

Complaint narrative:
XXXX has responded to my previous complaints and request for reinvestigation by stating that they will not reinvestigate because the account has been previously verified. The US DEPT OF EDU account # XXXX in reference continues to report on my XXXX file even though it is not being reported in my other credit reports. This is violates 15 U.S.C 1681i ( a ) ( 2 ). Even after the information has been found by other agencies such as XXXX as inaccurate and incomplete they refuse to do a complete reinvestigation or remove this information from my file. To prevent me from employment and financing opportunities XXXX willingly commits aggravated identity theft by reporting this information without my consent. They have no regard for my federally protected rights as a consumer. This is extortion and theft by deception. If XXXX continues these unfair and incomplete reporting tactics they will be held criminally liable for all damages.

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 2022-02-23 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX  has me at a XXXX XXXX over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for XXXX days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXXdays XXXX they record the calls XXXX admitted they had my police report XXXX ftc and XXXX  That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  XXXX cant provide to my XXXX year old XXXX PLEASE HELP ME PLEASE

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 2022-02-23 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for XXXX days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXXdays XXXX they record the calls XXXX admitted they had my police report XXXX ftc and XXXX  That was after attempting to contact XXXX more than XXXX times. XXXX is an XXXX company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX XXXX cant provide to my XXXX year old XXXX PLEASE HELP ME PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 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: NY

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 non-monetary relief
Consumer complaint received 2022-02-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: TN

Complaint narrative:
On XX/XX/XXXX While I was preparing my taxes on XXXX XXXX, they needed to know how much my capitol gains from trading crypto currency were for XXXX. The website gave instructions on how to let them have the report from Coinbase Pro, however they were difficult to follow. I also had Coinbase Pro website on my laptop and was trying to figure out how to do it. On the computer there was a phone number to call to get help. When I called the number the man said he worked for Coinbase Pro and would help me figure it out. He asked me to let him on my computer and said he would take care of it for me. He was doing all sorts of things and he assured me that it was all part of the process. After a short while he suddenly hung up and I never heard from him again. When I tried to call him back at the same number, a recording said it was no longer in service. I didn't want to panic so I waited for him to call me back which never happened. When I logged back on Coinbase Pro my remaining balance was only XXXX cents ... .down from aprox {$5600.00} which was made up of about XXXX in cash and XXXX of XXXX and XXXX XXXX XXXX. 
Later I found out that he also transferred XXXX out of my checking account. XXXX on my debit card and XXXX from my checking account. 
I contacted Coinbase Pro immediately and they said they would begin an investigation into it. I Contacted my bank to stop any transactions I could to Coinbase Pro.

When I called back to Coinbase Pro a few days later, I found out there was absolutely no investigation done at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: AR

Complaint narrative:
Asset are account a medical bill for someone not living in house hold mail slam.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-23 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:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an XXXX company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old XXXX  PLEASE HELP ME PLEASE

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