vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Due to the COVID Pandemic The XXXX XXXX XXXX allowed me as a cabdriver ( independent contractor/sole proprietor ) to apply for a COVID EIDL Loan. They also offered me a granXXXX. The grant was in two disbursements : {$10000.00} and {$5000.00}. I also received a loan in the amount of {$24000.00}. Upon receipt of these funds Citibank closed my account without any notice. The reason was because the money was deposited into my personal checking account. The XXXX did not specify that I needed a business checking account in order to receive the money. I have called the Consumer Fraud Protection Department numerous times but to no avail. I exhausted all my options, including asking if I could open a business bank account with them and have the money transferred. 

I contacted the XXXX. They advised me that Citibank needed to return the money back to them, after which they would reissue the funds to me in a different bank account. Citibank would need to provide me with proof that they returned the funds. I would then have to submit that information to the XXXX. 

As of today I have no contact with Citibank. I do not know what else to do. It's going on a year. The loan of {$24000.00} is accruing interest but I have no access to the funds. Any help you can give me would be greatly appreciated

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 2022-03-30 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: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I tried to pay XXXX XXXX and Midland Credit Management Inc. on numerous occasions and they could never receive my payments. Although my attempts were made, they still insisted on sending my bills and failed to resolve my problem as of XXXX/XXXX/2022.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC
State: LA

Complaint narrative:
My cable was turned off due to hurricane XXXX XXXX. XXXX was paid through auto pay. Due to hurricane the apartment wasn't livable. We were evicted, I returned the cable equipment back to XXXX like I was told. I was told that they owed me a credit because they kept taking the auto payment out. Then when I found a new apartment they came an connected it on XXXX. Then I had the cable turned off due to death in the home, they told me to bring the equipment so I did. I started receiving letters from the collection offices XXXX different collections. I have been talking to suddenlink on different occasions concerning this you never speak to the same ones and they all tell you something different. I have credit that I have yet to receive of XXXX. I spoke to someone from there asking why I was receiveing a collections bill I was told they didn '' t see that in their notes cause the bill was paid in full. But I'm continuing to receive them. I have called them and they say the eqipment wasn't turned in them when I ask them if I have equipment why would they send someone to put in the New cable. Then they tell me they're sorry they did receive the equipment and owe me an equipment charge of XXXX. So how do I keep getting a collections letter.

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 2022-03-30 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: CA

Complaint narrative:
Citi XXXX credit card. 

Dispute XXXX I purchased a plane ticket through XXXX to go to the XXXX on XX/XX/2022 the flight was supposed to be for the month of XX/XX/2022. 

Due to the quarantine protocols in the XXXX which requires to stay in a facility for at least 5 days for all international travelers, I have to cancel the flight and the ticket as I have XXXX XXXX medicines that requires refrigeration and was afraid the quarantine facilities do not have refrigerators inside the rooms. 

I called XXXX to cancel the flight immediately but can't contact them, so I called citi XXXX card customer service to cancel the flight on my behalf and was told by customer service they would. 

Then I saw on the citi card mobile app that the charge was reversed the amount of {$3800.00} During this time the quarantine protocol in the XXXX changed and staying in a quarantine facility is no longer needed, so it was safe for me to fly and go straight home to my elderly parents house who I haven't seen in 3 years. 

I booked another flight since my previous flight was already cancelled by citi XXXX and stayed in the XXXX for XXXX weeks. 

I just got back to the XXXX on XX/XX/XXXX, and saw the charge was put back to my account again. 

Also, that I have till XX/XX/XXXX to respond to the dispute, but I lived in a remote area in the XXXX where internet connection were choppy at best so I wasn't able to see the message that was telling me about the charge of {$3800.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: FIRST NATIONAL BANK OF OMAHA
State: WA

Complaint narrative:
Hello I opened a XXXX XXXX credit card offered by first national bank of omaha and the credit card was approved and I had online access to the account, however after couple of weeks the bank has blocked by account access without notice and says it says it needs to to verify my account and says that I need to provide notarized documents of my identity, pay slip, address proof and W2 I don't think this is the process a bank should follow in terms of providing access to a credit to a customer and also asking for documents to this extent which is a breach of privacy

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 2022-03-30 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: NY

Complaint narrative:
XXXX Accounts : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX XXXX XXXX OF XXXX ACCOUNT NUMBER : XXXX XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX XXXX  ACCOUNT NUMBER XXXX XXXX XXXX ACCOUNT NUMBER : XXXX in violation under 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/ Invalidated Credit Information and 15 U.S. CODE 1681e ( b ) - Compliance procedures maximum possible accuracy.

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 2022-03-30 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Creditors/ Accounts : XXXX XXXX XXXX  ACCOUNT NUMBER : XXXX XXXX XXXX OF XXXX ACCOUNT NUMBER : XXXX XXXX  ACCOUNT NUMBER : XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX XXXX ACCOUNT NUMBER : XXXX in violation under 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/ Invalidated Credit Information and 15 U.S. CODE 1681e ( b ) - Compliance procedures maximum possible accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 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: EQUIFAX, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX and I am making this complaint on my own without a credit repair company or any other third party services. Please see attached documents for more info.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
I opened an American Express platinum credit card on XXXX XX/XX/XXXX. On XXXX XX/XX/XXXX the card did not work at XXXX XXXX gas station in the morning and then again on XXXX XXXX a day later.There was no intimation from the company either by phone, text or email regarding the cause of declination. 

Please note this card has annual membership fee of {$550.00} which is THE HIGHEST fee in credit card category. A reasonable consumer can expect a superior service experience when paying highest fees. 

When I called to express my displeasure at being denied simple transactions the employees could not give any satisfactory reasoning. 

I was charged {$550.00} annual membership fee in XX/XX/XXXX, the company states that the annual membership is refundable within 30 days of opening. 

In XX/XX/XXXX, company sent me a letter stating that the account is cancelled because of abusive behavior on my part, they kept my {$550.00} fees plus {$1100.00} worth of points that I had accrued. They further blacklisted me from all American Express products. 

I am a XXXX XXXX was attending to XXXX XXXX XXXX patients during XXXX XXXX have attempted to work with them, but no success. My consumer rights and first amendment rights stand violated, need CFPB help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Data Systems, Inc.
State: IL

Complaint narrative:
In XX/XX/2021 I noticed on my credit report that a collection agency was reporting a medical debt I had never seen. I had never received notification from the hospital it was originally attributed to which occurred during the pandemic prior to me being XXXX in the military XXXX. They claimed they had sent the bill to an address I had not lived in multiple years, I confirmed with them today that this should have been removed on the grounds, I paid the debt with the knowledge they said they would delete it because I never got notification of the debt prior to collections reporting and two because it was a debt that shouldn't have been sent to collections without properly verifying my address. 

I am asking them and the CFPB to remove this paid hospital bill off my credit report as the injury during the pandemic was to no fault of my own and not my decision and I never received any correspondence before finding it on my credit report, shockingly. 

Thank you 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 2022-03-30 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: CA

Complaint narrative:
Transunion will not remove the Fraudlent inquiry from my credit report. 

the fraudlent inquiry is named on my report as : XXXX XXXX XXXX XXXX XX/XX/2022 TransUnion i have no open credit card accounts from XXXX XXXX This inquiry must be removed attched in the FTC report they must remove the inquiry within 5 days

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 2022-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I logged into my account with Equifax. I see XXXX different inaccurate addresses on file. I also see incorrect names for me. I was on hold, and no one ever came to the phone. I attempted to submit my utility bill but the online system would not let me upload it. This needs to be correct immediately. Many people have sued the credit bureaus for keeping inaccurate information on their report. This needs to be corrected and updated immediately, as it can, does affect the credit scores inaccurately!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: NOVAD Management Consulting, LLC
State: PA

Complaint narrative:
My mother had a XXXX loan on her property, and passed away on XX/XX/XXXX. Novad was notified XX/XX/XXXX, and a HUD appraisal was ordered. We were advised that we had 6 months to settle the note, with 2 extensions of 3 months each afterwards. HUD appraised the house on XX/XX/XXXX for {$290000.00}, and according to Novads paperwork, we only needed to pay 95 % of HUDs appraised value : {$270000.00}. We decided to pay off the loan by taking out our own XXXX  on the property which I inherited. I was forced to retire early to care for Mom, and wanted to preserve our capital. We were approved for the loan in XX/XX/XXXX and I requested a payoff statement. We are still waiting for a correct payoff. We received 3, listing the total loan amount, not the 95 % HUD figure, and a payoff for someone else. I have tried phoning, texting and email. Appraisals are only valid for 4 months : each time they expire we need to start over with our XXXX, costing {$700.00} a pop and repeating the HUD appraisal for the house value. HUD Appraisal done on XX/XX/XXXX, a full year after Moms passing, came in at {$360000.00}. This is substantially more than we planned on, and now have to sell our former house to cover the inflated price. 
During the summer HUD designated Novad to handle all its XXXX loans, and all the Novad phone lines were disconnected, and the HUD Answer Line became the only way to reach a Novad customer rep, who was really a HUD rep with a written script. They were very polite, but could do nothing to help. My case was escalated thrice, sent to a supervisor twice, and when I wanted to file a complaint I was transferred to the HUD Answer Line, for another 2 hour wait. The last contact of any kind by Novad was an email request for a years worth of property taxes paid, which I did. No further contact. My last request for a correct payoff was made on XXXXNo response. 
I feel that this delay/inaction is intolerable. I am very aware of the Covid interruptions, but we were expected to timely file and report despite the fact that XXXX XXXX and its Courthouse was closed for months. I feel that we should not be punished for Novads lack of communication and administrative problems. The XXXX loan was to be paid at 95 % of HUDs appraisal, {$290000.00}. This is what the house was worth at around the time of her death, and should have been paid off by XX/XX/XXXX, if Novad had supplied a correct payoff.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 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: Santander Consumer USA Holdings Inc.
State: IL

Complaint narrative:
I am a victim of identity theft and all of my information was compromised including my social security number, my bank information and other sensitive information.I reached out to all three credit agencies such as XXXX and XXXX to have Fraudulent items removed such as Santander Consumer Usa, XXXX XXXX XXXX XXXX XXXX XXXX XXXX And XXXX XXXX XXXX XXXX in which I was not responsible for these items along with XXXX XXXX  and Also XXXX XXXX XXXX  XXXX XXXX which is a closed account that is still reporting that was fraud .According to the FCRA it is within my rights to have negative items removed in which I had no knowledge of.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mountain Run Solutions, LLC
State: CA

Complaint narrative:
Mountain Run committed fraud by attempting to collect from a debt they manufactured I was living at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX in XXXX Signed and initial my name on bogus contract.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ

Complaint narrative:
For the past 30 days, a mediation company identified as HR Management has called several times XXXX threatening to file a judgment for an alleged HSBC debt dated XXXX paid in XXXX XXXX XXXX XXXX through Stipulation. This paid HSBC debt was paid and is currently today beyond of XXXX  statute of limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
Once again Amex tries to XXXX XXXX  theyre paying customers. I opened my AMEX XXXX  card XXXX XXXX XXXX The card had a welcome bonus of XXXX points after {$6000.00} spend in 6 months, and 10x the points for restaurant and small business purchases. Ive been tracking all of my points every month because I was scammed out of points before for my gold card. I even track the bonus spend by multiplying my purchases to check in the bonus points rewarded. I discovered that none of my XXXX orders which qualifies for restaurant bonus ( confirmed with 2 membership rewards customer service reps, and 2 membership rewards supervisors ) were being rewarded to my card. I called in early XXXX to file a claim and provided the agent with every XXXX transaction date and amount. The claim was closed without my points rewarded and no one can tell me why since it qualifies and I wasnt rewarded it. Ive been going back and fourth promised numerous callbacks I never received. I then tried calling back today to check on the status to be ran around in circles blindly transferred. Im owed over XXXX bonus points for my XXXX transactions since I got the card and Amex is refusing to honor their welcome bonus that was confirmed on numerous occasions I shouldve gotten my bonus points for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CarMax, Inc.
State: GA

Complaint narrative:
On XX/XX/2022, XXXX XXXX XXXX sent Carmax a check for {$13000.00} to pay off my auto loan as I have refinanced my account with XXXX for a much lower interest rate than Carmax ... Carmax-16.95 % XXXX % On XX/XX/2022, I also paid an additional payment of {$400.00}. XXXX from XXXX emailed me on XX/XX/2022 as Carmax advised them ( XXXX ) bank that I still owed on the vehicle {$60.00}, and they were not releasing the title. I informed XXXX that I wouldn't pay them as they inaccurately reported the account. As of XX/XX/2022, Carmax applied the check towards the account. CARMAX WILL NOT RELEASE THE TITLE as a result, the bank has informed me that they will have to release withdraw the loan. I am reporting this to the FTC for FRAUD. 

XXXX ( Customer Analyst ) from CARMAX corporate office XXXX stated that he would look into the matter within 24-48 hours. However, I received a call that Carmax informed them that my payment was rejected, which is incorrect. There are documents of 33 pages attached to include payments that were NEVER rejected. 

I have reported CARMAX TO FTC FOR FRAUD AS WELL.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Hi. Please help me with these accounrts I am reporting. They have been included wrongly in my account and it has already casued me so much distress since they are hurting my credit scores. The bureaus do not want to delete them no matter how i explain this to them. 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