vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
XX/XX/21 Opened Citi Accelerate Savings account online and funded account via ACH transfer from my external personal checking account. 

XX/XX/21 Initiated a wire transfer online as Citi to send of the funds back to my originating external checking account, to eventually be transferred to my brokerage account. The wire was placed on hold, and never processed. 

XX/XX/21 Received an email from Citi wire transfers, requesting I call them for verification. 

XX/XX/21 Called Citi to verify wire. Representative told to call back XX/XX/21. 

XX/XX/21 Called Citi ( XXXX ) as requested, verified my identity as requested, and I was told account is under internal review which takes up to 48 business hours to complete. 

XX/XX/21 Called Citi ( XXXX ) for an update, and they told me they sent an email to internal fraud requesting update. 

XX/XX/21 Called Citi ( XXXX ) for an update, and they said they would send an email to their supervisor to expedite the issue. 

XX/XX/21 Account is still locked, with no access to funds. Cant use ATM card, or initiate an external transfer. 

When looking at complaints about Citi on XXXX, I see that this is a common complaint about Citi. Canned responses from customer service, and deadlines for responses not being met, locking people out of their accounts, with no recourse.

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 2021-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I first called in mid XXXX to let the bank know that the transaction on XX/XX/XXXX was not valid as I did not receive the clothes that I had ordered, I had already spoken to the vendor who states that due to them having a tracking number they were unwilling to help. Over the next several months I contacted the bank no less than four times inquiring about the status of the dispute, each time being told that there was no further information and I should be getting something in the mail which I never did. On my last two calls I was told to expedite the claim I should write a statement and fax it with the appropriate claim number and transaction information. The letter was faxed on XXXX the XXXX XXXX XXXX  Pacific Time, with a fax confirmation, I confirmed with the agent on the phone that I did indeed have the right fax number and did indeed have the right claim number however they did not have any record of me faxing anything to them. I was suggested to mail something via U.S. Postal 2 appeal my claim, which was news to me considering I didn't know that the claim was denied to begin with. I spoke to a account supervisor in client relations named XXXX ID XXXX who was nonchalant, inconsiderate and refused to provide any assistance. When I inquired about the fax that I sent, his response was that they did not have it so perhaps I should send it in the mail. Having a fax confirmation meant nothing to him and the fact that I had been in contact with the bank no less than six times regarding this matter seemed unimportant. I just want my money returned. 
XX/XX/2021 {$81.00}

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 2021-10-14 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
To whom it may concern : The following student loan accounts are all from over a decade ago, and the date of first delinquency is well over 10 years on each of them. The date of first delinquency shown on the credit report is INCORRECT!

These student loans must be removed from my credit report immediately.

U S DEPT OF ED/XXXX  Date Opened XX/XX/XXXX U S DEPT OF ED/XXXX  Date Opened XX/XX/XXXX U S DEPT OF ED/XXXX Date Opened XX/XX/XXXX U S DEPT OF ED/XXXX Date Opened XX/XX/XXXX U S DEPT OF ED/XXXX Date Opened XX/XX/XXXX U S DEPT OF ED/XXXX Date Opened XX/XX/XXXX U S DEPT OF ED/XXXX Date Opened XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 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: NV

Complaint narrative:
I have not received any documentation on how you have appropriately verified the alleged accounts attached in Exhibit C and therefore request that you consider this a final notice to your Offices. Past this point, the CFPB will have authenticated sworn testimony from my end which I would gladly present in court if need be as evidence of my trying to rectify the subterfuge that you are reporting. ( Copied from my Affidavit report attached )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Finance System of Green Bay, Inc.
State: WI

Complaint narrative:
Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, the date of the alleged medical service, the name of the patient, and proof that there is some contractual obligation which is binding on me to pay this debt. 

Please attach copies of : Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC.13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. 

The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. 

Please note the enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of XXXX ( HITECH Act ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XXXX, XXXX, XXXX. 

Please also attach copies of any agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor and as this is a medical account, a copy of any HIPAA authorization. 

Please be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities, including reporting of ; or verifying of this account on my credit reports. 

I require compliance with the terms and conditions of this letter within 30 days, or a complete withdrawal, in writing, of any claim. 

In the event of noncompliance, I reserve the right to file charges and/or complaints with the OCR on your HIPAA violations and appropriate County, State, & Federal authorities, the CFPB, XXXX  and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on illegal collection activities on any account that may be time-barred as well as in violation of Wisconsin medical privacy rules XXXX 

I also hereby reserve my right to take private civil action against you to recover damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 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: Fidelity National Information Services, Inc. (FNIS)
State: MN

Complaint narrative:
I have a recent and current police report on file with Chex Systems for being a victim of identity. The following reported information on my Chex Systems Consumer Report ID : XXXX, are fraudulent and unauthorized accounts and information : XXXX XXXX XXXX, account : XXXX, XX/XX/2021, {$660.00}, and XXXX XXXX XXXX account : XXXX, XX/XX/2021, {$120.00}. The following credit inquiries are fraudulent and unauthorized : XXXX Texas, XX/XX/2021, XXXX XXXX, XX/XX/2021, XXXX XXXX XXXX XXXX, XX/XX/2021, XXXX XXXX , XX/XX/2021, XXXX Texas , XX/XX/2021

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 2021-10-14 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: FL

Complaint narrative:
I tried fixing this problem about ( me ) having some unauthorized inquiries with Transunion before, Transunion just comply with some part of the issue, but they missed to delete 1 unauthorized inquiry, I believe it was an error but I want to fully make sure they comply with the issue I am having right now, Before I DEMANDED FOR IMMEDIATE REMOVAL OF ALL UNAUTHORIZED INQUIRIES FROM MY CREDIT REPORT. an Affidavit of truth and a cease of desist was certified mailed to their location. 
1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX 2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX 3. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX 5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX. 

They deleted the first 4 inquiries but they did not delete XXXX Date of inquiry : XX/XX/XXXX. 

they send me a letter ( attached with this complaint ) One part of the letter say " YOUR WRITTEN AUTHORIZATION MAY NOT BE REQUIRED TO CONSTITUTE PERMISSIBLE PURPOSE. PLEASE NOTE THAT YOUR SPECIFIC CONSENT TO THE RELEASE OF YOUR CREDIT INFORMATION IS NOT NECESARRY FOR A PERMISSIBLE PURPOSE.

Transunion still in violation of 15 USC 1681b ( a ) ( 2 ) in violation of 15 USC 1681n ( b ) in violation of 15 USC 1681 ( a ) in violation of 15 USC 1681 ( b ) in violation of 15 USC 1681r in violation of 18 USC 1028A ( a ) ( 1 ) in violation of 18 USC 1028A Aggravated Identity Theft ( c ) ( 4 ) in violation of 18 USC 1028 Fraud and related I never gave TRANSUNION any written consent to report unauthorized inquiries on my consumer report, No consent is Identity Theft.

Any person who obtains a consumer report from a consumer reporting agency. under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency. for actual damages sustained by the consumer reporting agency. or {$1000.00}, whichever is greater.

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 2021-10-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: U.S. BANCORP
State: TX

Complaint narrative:
Traded in a vehicle a month ago. Check was sent to US bank from the dealership for the total value of the trade in. Due to the timing, I had to make a car payment on the car I traded in, since they did not receive the trade in payment. No big deal, I was told I would get a cashier Check for the different later on. 

The trade in check was delivered and signed for two weeks ago and still has not been reflected on my account. 

I have called on 5 separated occasions to try and get an update on when I could expect the check to clear and to try and get an update on if the check has been processed. Every time I have called I have been told to call back in a few days and that there is no way for the Check clearing process to be tracked on their end. At this point it has been almost a month and I will have another car payment due for a car I haven't owned in a month.

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 2021-10-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I have my mortgage open with XXXX XXXX initially then the mortgage got sold to XXXX XXXX then XXXX being sold it there was a mess up for for updating my payment schedule from one bank in another meanwhile I was trying to reach out to the bankers I was getting transferred to different lenders during that time I was in a car accident so I had hardship with my income called Ocwen bank and requested the loan modification their team told me dont way you would qualify as you need to be behind on your mortgage and then I follow their instructions I offered to make a full because I was getting lettuce that I was behind the case manager told me if you make the payment you will not qualify for a loan modification so come to find out they denied my loan modification and they wanted me to pay all the past two payments while I was in a hardship due to my car accident I asked him to why are you not helping me the answer was that you called and I spoke to someone else and offered to make payments so for that reason we can not do loan modification for you and now your credit its gotten so bad were unable to help you so were gon na have to either foreclose your house or you just Got ta make big payments to get caught up and at that time I had no choice but save my family my kids to stay in the house meanwhile I had sent them several letters to remove the leads of my mortgage they refused to do so they offered if I paid him {$2000.00} for one of their credit repair people then they can remove the late which I thought it was completely legal I believe Ocwen bank Its completely fraud themselves meanwhile the room my credit and I need help I am trying to buy a house right now and theyre late payment on my credit stopping to move forward with my life please help thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
Received a call from a collections agency on XX/XX/2021 stating I owe {$2400.00} in late fees and interest from a payday loan from AceCashExpress on XX/XX/2021 which the original payday loan was for {$940.00} ( # XXXX ) I was first told it was done online then in person at a store front at XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. I never lived let alone took out a loan with AceCashExpress or any payday loan company. Never received any Mail notification because the person who used my info gave a false address. Not sure how my number was obtained either after 8 months from the initial loan. Again, I never took out this loan and my personal info has been compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX an account was opened and I was approved for {$300.00} credit limit. XX/XX/XXXX I order a cease and desist and a letter to verify who is the original creditor, but I received no response. I am a consumer and the original creditor. I've sent an invoice trying to settle with XXXX, still no response. Also my card is froze and unauthorized information has been added to my credit report. 15 U.S.C. 1681b ( 2 ) states that consumer reporting agencies shall not report any information unless the consumer gives written instruction to do so. I haven't given any written consent to report anything positive or negative on my consumer report. This is my 2nd time trying to resolve this issue.

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 2021-10-14 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: (Former)Shapiro, Swertfeger & Hasty, LLP
State: IL

Complaint narrative:
Dear CFPB, I am complaining about XXXX XXXX XXXX XXXX, XXXX XXXX  stealing the assets of the Heir XXXX XXXX XXXX at our family home at XXXX XXXX XXXX, XXXX, Illinois XXXX. 

They sued my deceased parents which is legally impossible ( NO SERVICE OF SUMMONS ON MY DECEASED PARENTS ) The Mortgage Insurance premiums that my deceased parents paid for, paid off XXXX XXXX  on XX/XX/2013 in the amount of {$97000.00}, FHA Case # XXXX. 

After they got paid they continued to foreclose against my deceased parents which you can not do, Pursuant the Illinois Judicial Foreclosure Law 735 ILCS 5/15-1501 ( a ) ( i ) Which makes a Mortgagor a necessary party and a indispensable party to a foreclosure action. 

Then they sued me a non-mortgagor and stole the assets of the Heir XXXX XXXX XXXX and even my personal property at our lifelong family home at XXXX XXXX XXXX, XXXX, Illinois XXXX. 

The law of Intestate succession was violated and stolen pursuant Federal and State of Illinois Law of Decent and Distribution : XXXX ILCS XXXX ( b ) Which reads in part ; ( If there is no surviving spouse but a descedent of the decedent : the entire estate to the descedent per XXXX ) Once again XXXX XXXX XXXX XXXX XXXX  their attorneys have committed fraud and theft of the assets of the Heir XXXX XXXX XXXX XXXX the Son and Next of Kin of XXXX XXXX XXXX and XXXX XXXX XXXX , they have falsified, the character, amount and legal status of the debt when they got paid by the XXXX Insurance that my parents paid for on XX/XX/2013 in the amount of {$97000.00} on XXXX. 

Once again the assets of the Heir XXXX XXXX XXXX Pursuant 755 ILCS 5/2-1 ( b ) was threatened, abused, harrassed, Vandalised, tresspassed, evicted and stolen by the Bank, their attorneys and the court. 

The Heir XXXX XXXX XXXX never signed a note in the amount of {$100000.00} The Heir XXXX XXXX XXXX never signed a mortgage in the amount of {$100000.00} The Heir XXXX XXXX XXXX never borrowed any money from XXXX XXXX  and XXXX XXXX  in the amount of {$100000.00} The assets of the Heir XXXX XXXX XXXX the Son of XXXX XXXX XXXX and XXXX XXXX XXXX ( My Parents ) Was XXXX, XXXX, tresspassed, Usurped, Vandalised, Evicted and stolen by The Bank, their attorneys www.logs.com and elected and appointed officials of XXXX XXXX, XXXX, Illinois. 

Once again XXXX XXXX  got paid on XX/XX/2013 in the amount of {$97000.00} They have stolen the assets of the Heir XXXX XXXX XXXX pursuant the Law of Decent and Distribution 755 ILCS 5/2-1 ( b )

Company response to consumer: Untimely response
Consumer complaint received 2021-10-14 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: MI

Complaint narrative:
This letter is regarding an alleged account which you claim was placed for collections for {$95.00}. This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX, and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum {$1000.00} in damages per violation for : - Defamation - Negligent Enablement of Identity Fraud - Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) - Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.

Company response to consumer: Closed with explanation