vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-30 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Wire transfer funds from my XXXX stock purchase brokerage XXXX headquartered in XXXX ) went missing - amount XXXX XXXX. The funds were wired through Citibank to my XXXX XXXX XXXXXXXX account. After launching an investigation, XXXX XXXX XXXXXXXX concluded that the money was returned back to Citibank. See attached investigation from XXXX XXXXXXXX XXXX. 

Citibank has still not credited the return wire. Both XXXX and Citibank are not even accepting the fact the money was returned. I have called the sender XXXX multiple time to launch an investigation with Citibank but so far no results. The money was retuned back on XX/XX/XXXX and as of this writing, it is XX/XX/XXXX and absolutely no progress in the matter, Citibank refuses to talk to me, XXXX claims Citibank does not have the returned funds yet and XXXX XXXX XXXXXXXX claims it was sent back to Citibank so there is no end in sight. Wire transfer money is NOT meant to be lost - Citibank needs to get serious about locating it as the initiator of the transaction.

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 2021-11-30 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX days later, I have not received a response yet. I feel like I am being taken advantage of as well as my disputes are being ignored. As plainly stated in SECTION XXXX ( a ) a failure to investigate these items within XXXX days gives a reason to IMMEDIATELY remove those items from my credit report. I has been over XXXX days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress this have caused me. my information was also impacted by the Equifax data breach and may have got in the the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 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: NJ

Complaint narrative:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
I am XXXX XXXX and I'm submitting this complaint myself and there is no third party involved. 
I, XXXX XXXX, consumer, natural person, and original creditor contacted MIDLAND CREDIT MANAGEMENT in writing on XX/XX/2021 requested validation of alleged debt and cease and desist of alleged debt. MIDLAND CREDIT MANAGEMENT has yet to respond in the given XXXX day time period that was given. This alleged debt continues to show on my consumer credit report and has not been reported and disputed. I have received no communication from MIDLAND CREDIT MANAGEMENT to validate this alleged debt. MIDLAND CREDIT MANAGEMENT has harmed me and my credit report and file due to housing unverified and unvalidated debt on my consumer report and they are now civilly liable to pay me for damages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: KY

Complaint narrative:
XXXX mistakenly tried to charge my Cashapp card for a order that was lost and refunded. I contacted XXXX and was told that it was a mistake and they would not charge me. A few weeks later I was charged again by XXXX. I contacted XXXX and was told that they did not charge me. They gave me a error code Transaction ID XXXX Status Error Ive contacted cashapp quite a few times to resolve this. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I had a voicemail on my phone, number unknown, from a man named XXXX stating that he was from the county process service and his call was concerning a failed attempted delivery of a court summons issued to a XXXX XXXX. I have been married XXXX  times and so my name has changed but I legally changed it in XXXX to XXXX XXXX. It's never been XXXX XXXX. My legal name now is XXXX XXXX. He went on to say they were going to selfserve the documents tomorrow morning, XX/XX/XXXX and wanted to make sure I was available for service. And if I needed to make any changes that I should contact the law firm at XXXX and reference case number XXXX. 
I called that number this morning, which was identified as XXXX XXXX Law, and spoke to XXXX. He stated that I owed {$8000.00} to Chase Bank/Providian/Washington Mutual from XXXX XXXX XXXX also informed me that if I didn't agree to pay then they would pursue this matter further and I would also have to pay attorney and court fees in the amount of {$13000.00}. XXXX knew my previous married names and had my XXXX  # which I am concerned about. 
XXXX said this was for an old credit balance. He did not say if it was a line of credit or a credit card. Just that if I didn't pay then they will place a lien on my home. XXXX was rude, called me a XXXX and XXXX  for not paying my bills. He refused to give me the original debtors name, address, my account number or their phone number. 
I managed to get their address from whoever answers the phone as XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. He said there was no suite number. I called the property manager of this building, XXXX XXXX at XXXX. XXXX said there was no company of XXXX XXXX XXXX XXXX on his rental roll and there would absolutely have to be a suite number since this address has XXXX XXXX story buildings. 
It is very frustrating to get calls like this that have no basis. I have never had an account with Chase Bank or Washington Mutual nor have I had a Providian account. Even if I did, this " debt '' is well over the statute of limitations. I have purchased XXXX homes since XXXX and I am absolutely sure this issue would have come up. 
I have never received anything by mail from any of the companies listed above or from a XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
hi transunion has a 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 transunion 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 affidavit 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 homeless XXXX cant provide to my XXXX year old daughter and i started doing my research and XXXX XXXX XXXX i was XXXX  as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

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 2021-11-30 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
hi XXXX has a 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 710. XXXX has me at a score around 592. 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 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 n now im XXXX n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On XX/XX/2021, XXXX XXXX  XXXX ran my credit score for an auto loan which was a hard inquire. However, I did not apply for a loan through my personal account, I applied from my XXXX XXXX XXXX XXXX for their business auto loans. This inquire should not have been on my personal credit score. I called XXXX XXXX XXXXXXXX to dispute this matter and they agreed that it should have been through my XXXX not personal and claimed that I dispute it with Experian. When I contacted Experian, they said XXXX XXXX XXXX is the one I should dispute this claim because they are the ones who report the claims to them. So both XXXX XXXX XXXXXXXX and Experian did not do anything to help resolve the matter except forwarding me be between each other. 

On XX/XX/2021 XXXX XXXX ran my credit score which was also a hard inquire. I had applied for a XXXX XXXX  online and submitted the application properly. After the application was finished, I waited for a response in the mail. However, after some period I did not receive any letters or information. When I called to get an update on my application, they could not find the reported application in my name. Now I have a hard inquire without the approval of the XXXX XXXX that I had applied for which I was already pre-approved for me according to the letters I received in my mail prior to applying. Experian claimed they also can not do anything about this claim.

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 2021-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: AZ

Complaint narrative:
NOT A DUPLICATE COMPLAINT - PREVIOUS COMPLAINT WITHDRAWN My account was closed by chime for " violation of their terms by my deposits '' and they closed my account according to section ( I ) C 9 of our deposit agreement which basically states they can close the account at any time for any reason on XX/XX/XXXX I did not do anything to violate any of their terms of service and my account should not have been closed. However, Upon closure of the account, i had a balance remaining of {$770.00} Over a year later I still have yet to receive these funds They originally told me i would get a check in the mail within 30 days and after that did not happen i started contacting them I have contacted the bank on multiple occasions XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX The bank has stated that they are NOT returning my funds I have repeatedly asked if this was a levy as I was able to get my statements from them it stated this as the line item XX/XX/XXXX XXXX XXXX XXXX  XXXX '... Adjustment- {$770.00} - {$770.00} They have declined it was a levy but rather I have just violated their terms and for security reasons they can not give me any more information I have also called on multiple occasions, having to call from a different number as their automated system hangs up on you. They say the same thing that i will not get a refund and to follow up via email. Update : Upon receiving an email from chime today they have stated the line item is from XXXX XXXXXXXX XXXX however there is one major problem, I have never even heard of this bank until today, never done any business and upon calling the bank their legal team states that they did not issue a letter of indemnity and even said it may be a scam I can only imagine this was processed to my account in error

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 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: Lendmark Financial Services
State: GA

Complaint narrative:
I recently received some information from Congress about my disclosures, that I noticed that we did not discuss, nor was it written in my documents at the time of the loan agreement. 


Your company is in clear violation of the law. Under 15 USC 6802- Obligations with respect to disclosures of the personal information. THE LAW CLEARLY STATES : ( b ) OPT OUT ( 1 ) In General- A financial institution may not disclose nonpublic information to a nonaffiliated third party unless- ( a ) Such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic or the other form permitted by the regulations prescribed under section 6804 of the title, that such information may be disclosed to such third party. 
( b ) the consumer is given the opportunity, before the time that such information is initially disclosed to such a third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 


Your company is in clear violation of the law Under 15 USC 6802, because they did not give me an option to opt of having my loan to report to the Credit Reporting Agencies. 


Furthermore, the Installment loan was an approval of a specific extension of line of credit used by my Social Security Card and Identification card. 
15 USC 1602 Definition of rules and construction States : ( I ) the term Credit Card means ANY CARD plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or Services on Credit. 

( Any Card- Has NO Discrepancies ) Your Company is in clear violation of : FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term " consumer report '' does not include ( b ) Any Authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have sent letters to Equifax, XXXX and XXXX about these false negative accounts on my credit report last XXXX XXXX, 2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. These report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under XXXX5 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I have had a Bank of America Mastercard for 20 plus years. On XX/XX/XXXX I called in to dispute a charge and close the account. Instead of closing the account they sent out a new card that I didn't authorize. 

On XX/XX/XXXX I received a letter saying that the disputed charges were credited to my account. I never received a closing statement or any additional bills. 

Then apparently they allowed some additional charges after XX/XX/XXXX even though I had closed the account. 

On XX/XX/XXXX I checked my online account to see what was going on and saw they had processed additional charges after I had closed the account and on top of that were trying to charge late fee 's of XXXX. I immediately called and spoke to an agent and they said I had to pay the XXXX in late fee 's. I agreed to pay the charges they put through but not the late fee. They claim I'm responsible for the late fee 's which is incorrect.

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 2021-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: One Source Technology
State: OR

Complaint narrative:
I have NEVER used the last names, XXXX or XXXX. I have ALWAYS used the last name XXXX. Please discontinue listing XXXX and XXXX as names I have used. I never had any ID or documents using the last names XXXX or XXXX. My driver 's license and passport have always listed me as XXXX. For every job and credit, I have used XXXX. 

In XXXX my traffic speeding ticket was listed as a TRAFFIC VIOLATION REPORT. 
Why is this listed in XXXX AND XXXX as a XXXX  REPORT? This overstates and alarms people. Can you reflect this is a XXXX VIOLATION? 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation