vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
To Whom It May Concern : In XXXX of 2020, I applied for a loan for my business with XXXX. XXXX qualified me for {$10000.00} which was deposited into the checking account I had with Citibank. Citibank treated me like a XXXX and closed my account and held my funds in both my checking and savings accounts for more than 60 days. They even stopped my automatic withdrawals for my bills. They then stopped all communication with me. Every single person at this bank would hang up on me when I would call in regards to my account. No one would answer any questions or anything they would just hang up the line once they would verify my info. I never received the funds for the {$10000.00}. I went into the branch and was given a corporate phone number and was told to never come back after the phone number was given to me. I called the number and was told that the money was returned back to XXXX. I reached out to XXXX and was informed the money was never returned to them. I spoke with someone in the recovery dept and was told that XXXX was supposed to return the money to the treasury and none of that has happened. Citibank still has those funds. Well, now it is time for me to pay the taxes on that loan. I need the money to operate my business and recover what was lost. If Citibank doesn't want to return me the funds they need to at least return the money to the treasury so that it can be returned to XXXX. Why should I be responsible for paying taxes on something have never even received? It's been almost 2yrs. I am ready to hire an attorney if this can't be resolved. I have had my business banking account with another banking branch for going on 2yrs now.

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 2022-01-08 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: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
XXXX XXXX-Someone got ta a card in my name XX/XX/2021 XXXX XXXX Did the exact samething on these two dates

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 2022-01-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
received a phone call on XX/XX/XXXX from a phone number that was the same as Wells Fargo, exactly.. it was a person claiming I needed to make a transaction to reverse someone trying to take money out of my XXXX account XXXX The person told me to double check the phone number he was calling from with the phone number on the back of my Wells Fargo debit card and it was the same he also made me verify who I was through a Wells Fargo text message.. the text message was exactly the same as what Wells Fargo sends , to the t. The person that called me sounded like they were at a Wells Fargo location they were trained by Wells Fargo and they knew exactly how Wells Fargo works XXXX Somehow he convinced me to send money through zelly to myself and it ended up sending {$3500.00} to someone, scammer, out of a state. I called Wells Fargo complaint department immediately and filed a complaint I filed a police report I have been in constant contact with Wells Fargo ever since. 45 minutes wait time on hold before I speak to a representative every time. I received a letter yesterday XX/XX/XXXX dated XX/XX/XXXX saying my claim was denied. Please help.. I rarely use XXXX and never more than {$200.00} transactions.. I am extremely safe with my bank account but I feel this particular scammer had to be an inside job. 
I have filed police report. 
please help get my money back.!!!

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 2022-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo brgan declining my transaction and I kept having to call them. Finally they stopped approving all transactions and lied and said that there was an XXXX financing charge for {$0.00}. I called them and they made me review over 10 transactions that all belonged to me. I told them I didnt want to close my card account for the fake XXXX Financing {$.00} charge but they closed my card anyway saying they had to mail me a new card. There was never any such transactions on my account. They just made it up and lied and closed my card down. It took them 6 weeks to mail me the 1st card. They are working with hackers who kept putting fake charges on my previous bank account with XXXX XXXX They messed the XXXX XXXX  account up so badly that I had to file police reports for fraud and close the account. Please help because Wells Fargo and this group is trying to make me lose my job by destroying my bank account.They keep interfering with my XXXX and XXXX rides causing the payment to reject so that I can not use any rude service. Please help.

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 2022-01-08 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 — Was not notified of investigation status or results
Company: Armstrong and Associates, Inc
State: AL

Complaint narrative:
Sent in letter and havent gotten any response. They are violating FCRA USC 15 1681 G and they have not responded to me and its been over 30 days. Please remove this in accurate information from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08 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: GA

Complaint narrative:
I have sent multiple letters regarding this erroneous and inaccurate account that is being reported on my consumer credit reports. On XXXX XXXX, XXXX I sent out a notarized request to Block of Information letter, along with my FTC report, a copy of my credit report, proof of my identity, along with section FCRA Section 605B, 15 USC 1681c-2 which was sent through certified mail. The company received my package on XXXX XXXX, XXXX. It is now XXXX XXXX, XXXX. I have given the company the required time to fix and resolve the problem but it has not been fixed. The account is still showing up on consumer credit report as closed off account.

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 2022-01-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
We updated our monthly service with XXXX in XX/XX/XXXX -- we built a new home. They failed to cancel a portion of our old monthly service. XXXX acknowledged the error and said they would update our file -- by phone, not in writing. They then sold our old account as a " bad debt '' to collection while we were on vacation, which resulted in a {$280.00} " bad debt. '' Contacted XXXX in XX/XX/XXXX -- they had no record of the charges but said they were unable to reverse the sale for collection. 
Since XX/XX/XXXX, the " debt '' has been resold multiple times. Our new service with XXXX has been in place since XX/XX/XXXX with a monthly charge of approx. {$350.00} per month. We have been a loyal customer of XXXX for over 30 years. Our past credit history has been excellent for over 30 years with no late payments or delinquent accounts. One credit collector deleted the debt in XX/XX/XXXX but since then, my dispute claims have been rejected and my credit report continues to be updated, which extends the " bad debt window for 5 more years. 
Please help us resolve this unjust treatment and retore the excellent credit that we have always enjoyed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: SC

Complaint narrative:
I received a demand for payment of {$1100.00} on XX/XX/XXXX, from Hunter Warfield threatening to charge 6 % interest ( which is illegal in my state ) if the debt was not paid in 30 days. These charges stemmed from my prior landlord XXXX XXXX. I had just moved out XX/XX/XXXX and never received any communication requesting payment prior to the communication sent by the collection agency, Hunter Warfield. I sent Hunter Warfield communications disputing the erroneous charges XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. These communications also requested validation of the debt. Hunter Warfield responded but never validated any of the disputed charges. XX/XX/XXXX, collections for these false charges were added to my credit file claiming I owe {$1200.00}. These false charges were reported to the credit bureau ( s ) and are now negatively impacting my credit and my livelihood.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08 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: AL

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT. PLEASE REMOVE THESE FRAUDULENT ACCOUNTS FROM MY PROFILE. SOMEOE HAS STOLEN MY INFORMATION AND OPENED SEVERAL ACCOUNTS WITHOUT MY KNOWLEDGE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
Blank of America is holding my funds hostage im told by XXXX  that theres no reason for Bank of America to have closed my account iv already spoken to my sponsor and they are telling me that although the account is closed o should be able to go into a bank to withdraw my funds I need my money and my account fux now this is crazy everytime o cappp they are telling me to speak with my sponsor I did already and I think this bank is trying to steal my funds this account needs to be reopened so I can withdraw my balance please this is isick and its not because of me Im told its because Michigan changed providers so why cant the account be reopen XXXX said that even if they approve they no longer have communication with the bank they told me the bank needs to release the funds to me Im confused and they are to I need my account opened now I have not 1 $ to my name help!!!!!!

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 monetary relief
Consumer complaint received 2022-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/XXXX Chase locked up my checking account. I had my XXXX money in there for my family around 3950.00 I was not able to get money out or purchase anything with my debit card. I called chase that night after 3 hours on hold I was told from there fraud department that I was not allowed to bank with them and they would send me my money back in 10 days. Not only did they lock up my checking account but my XXXX credit card through Chase is locked up and I can't see anything on my app my balances can't make a payments nothing they are going to ruin my credit. Well I call back the next day after 2 hours on hold I was told it was something to do from a XXXX incident with Chase. I banked with Chase from XXXX to XXXX I was kicked out in XXXX I was selling a boat somebody sent me a check I showed the check to the teller and she called the bank and confirmed it was a good check I deposited the check somehow it worked in reverse I called the bank as soon as I found out they stopped it the next day it happened again it worked in reverse somehow I called the bank they locked my account they said they would get back to me and the next day they got back to me and said I can no longer bank with them so they sent me my money back in XXXX so in XXXX of XXXX XXXX offered me a credit card I got approved for the credit card that is offered by Chase bank also they were sending me promotions through Chase bank to open up a checking account again I did three or four months went by everything 's been fine the day before XXXX they locked up my account they will not tell me why or give me any reasons. I have done nothing wrong they put immense amount of stress on me they are ruining my credit I can't make my payments please help me thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-08 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: AL

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT. PLEASE REMOVE THESE FRAUDULENT ACCOUNTS FROM MY PROFILE. SOMEOE HAS STOLEN MY INFORMATION AND OPENED SEVERAL ACCOUNTS WITHOUT MY KNOWLEDGE.

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 2022-01-08 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: AL

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT. PLEASE REMOVE THESE FRAUDULENT ACCOUNTS FROM MY PROFILE. SOMEOE HAS STOLEN MY INFORMATION AND OPENED SEVERAL ACCOUNTS WITHOUT MY KNOWLEDGE.

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 2022-01-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My name is XXXX XXXX, I am submitting this complaint without any influence from any third party or agency. 

Please see attached info it has my full complaint and request

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 2022-01-08 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: PA

Complaint narrative:
I have filed multiple disputes against US DEP OF EDUCATION and US DEP OF EDU/XXXX for identity theft and attempting to collect a debt not owed, most recently XX/XX/2021, which in the course of their investigative consumer report the accounts were not removed within four days as it should be under identity theft. I constantly receive the response of the negative accounts being " verified '' but under an investigative consumer report, personal interviews with neighbors, friends or associates of the consumer reported on must be done. I have not gotten any information as to who was spoken to or any other verifiable information, to verify their claim. I also sent a notice to cease and desist on XX/XX/2021 complaint ID : XXXX to not communicate indirectly through any medium and cease and desist reporting the information to my consumer reports which has been violated due to the reporting of these negative accounts still being furnished to my consumer report defaming my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08 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: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
I settled the debt I owed to a collection agency via a rental home I owed on. They did not remove the account off my credit report like promised after I paid the balance. I still am unable to rent rental homes due to this collection still being on my account even though it was PAID. I checked with the original creditor and they have been paid and verified that as well. I need this collection marked as paid and removed so when my credit is ran by rental home companies I am able to be approved to rent. Please fix this is causing me to be XXXX with XXXX children because I can not get approved when this account is paid and old. Please assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America has twice allowed a thief to change information on my accounts, necessitating my spending countless hours over XXXX months, primarily due to their evident inability to secure a Preferred Clients account. As a result my account was frozen until I was able to come into a branch and provide proper identification. That alone took XXXX XXXX hours. Yet that same week, on XXXX XXXX the thief was back manipulating Bank of Americas astoundingly ill trained personnel. This despite mountains of notes on my account regarding security, SMS confirmation and verbal passwords. To add insult to injury I had to leave my family alone as I spent my XXXX XXXX speaking to several Bank of America. employees. Then again on XXXX XXXX. I could not believe how absolutely incompetent Bank of America had been, considering that their core business is to keep its clients accounts safe. 
Only after I submitted a complaint with CFPB dis I get a response from Bank of America. In both in this instance as well as in XXXX ( pre-frozen account period ) it was merely to have a perfunctory and non-communicative branch called XXXX XXXX to allegedly discuss my complaints. In both cases their Resolution Specialists XXXX XXXX XXXX and most recently XXXX XXXX XXXX contacted me with an artificial deadline. I responded to both via email and via telephone. I never heard back from XXXX and have been waiting several days to hear back from XXXX. The latter contacted me in the final hours of XXXX. While a colleague XXXX XXXX from Bank of Americas Regulatory Compliance Department actually called me on Saturday XX/XX/XXXX. Nothing was resolved in XXXX and there is no indication that this Regulatory Compliance Department will make amends for the chaos that theyve allowed. As they are clearly trying to run the clock out, apparently in hopes that the issue will vanish. 
Bank of Americas inability to fulfill these fundamentals leads to compromising the security of Bank of Americas consumer business clients, which is at the core of this division of Bank of America. 
Considering Bank of Americas complete failure at their core functions, perhaps they should consider divesting from consumer banking. Given their evident lack of interest and laughably inept personnel facing their clients.

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 monetary relief
Consumer complaint received 2022-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diverse Funding Associates LLC
State: NJ

Complaint narrative:
I checked my credit report ( XXXX ) and saw an account by a company calling themselves DNF Associates LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX. 

I do not, never did have an account alleged or otherwise with this company. I attempted to bring this matter to a close by sending correspondence to DNF, their parent company Diverse Funding Associates LLC, and their Registered Agents with no results. 

According to the 1974 Privacy Act, I have the right to correct the record and attempted to do so to no avail. 

DNF Associates, it is believed has violated at least 10 title 15 U.S. Code violations ( see attached Notice in the form of an Affidavit DNFNotice91721 and related documents ) The packet ( attached ) was sent to DNF Associates and the Registered Agents. The only communication received was from a guy calling himself XXXX XXXX XXXX of a lawfirm calling itself XXXX XXXX with an address of XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NY XXXX. This came through the United States Postal Service and was unsolicited. His offer through the mail possibly violates title 18 1001, 1002, 1341, 1342 and needs to be addressed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08 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: AL

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT. PLEASE REMOVE THESE THESE FRAUDULENT ACCOUNTS FROM MY CREDIT PROFILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08 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: FC HoldCo LLC
State: IL

Complaint narrative:
Please remove my inquiries. I applied for a car loan and they ran my credit to 19 different places to get me approved for a loan and told me they were only running it for one place. Now I have numerous hard inquiries I need removed. Its making my credit bad please remove.

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