vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I received an offer in the mail from citibank. They offered {$1500.00} for opening a checking account and depositing at least {$200000.00}. I opened an account at the local branch in XXXX XXXX. I deposited more than {$200000.00}. Also signed up for electronic statements. Now almost a year later I have not received any bonus. I am unable to get through with anyone on the phone. In an online chat they said I would receive it in XXXX XXXX. That did not happen.

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 2022-08-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
My bank account was compromised via identity theft on XX/XX/2022 and a fraudulent transfer was made from my bank account via XXXX in the amount of {$3200.00} at XXXX, Citibank alerted me through my Fraud Alert Prevention of this " suspicious transaction '' via email at XXXX and declined the Online/Mobile P2P Transfer. 
Subsequently 2 other Citibank email 's was sent at XXXX that they've blocked my Online banking account User ID for my security which was to prevent the fraud from occurring. 

At XXXX, i was alerted via Citibank Text Alerts about the Fraudulent XXXX and if I had authorized it. Since I was driving to Kentucky with my son, I hit both # 1 and # 2 on my phone at XXXX in response. 

They texted me back the following 2 texts at XXXX Free Msg Citi : Your transaction was declined. Please retry. Your account is ready to use. 

And a second similar text message to contact the Citi Fraud department at XXXX. 

I logged into my account via the Citibank App on the road traveling to Kentucky ; approximately in Ohio. 

I saw the transaction as " pending '' and called the Fraud department approximately XXXX and was transferred to several agents as the call lasted exactly an hour and five minutes and 44 seconds. 

After I got off the phone with Citibank, I saw an email from Citibank at : XXXX stating that " I, sent {$3200.00} to XXXX XXXX after repeated communications they declined to authorize the transaction related to suspicious activity of what they claimed had come from an IP address from Florida and/or Virginia of which was never authorized and to whom I have no idea of such person. 

At XXXX ; I received an email from Citibank stating that the " Payee ( s ) on my account was updated and under it it said " Removed '' however their was " NO Name '' of anyone that was removed ''. 

I would have also received a prior email from Citibank, of which I DID NOT, adding this person " XXXX XXXX '' to my bank account ending in XXXX as a payee of which I don't have nor have I authorized. 

It's currently pending investigation under XXXX. My identity and my funds were stolen and I would like to hold all parties responsible for their actions or lack of actions as it is a criminal offense. 

Subsequently, on XX/XX/2022 I receive another email alert from CitiXXXX at XXXX stating that they to have have " identified and flagged this as possible suspicious activity on my checking account. 
Yet the funds were released and processed by Citibank, hence it was their internal fraud protocols that failed them and I should be fully re-imbursed for {$3200.00} of what was stolen out of my checking 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 monetary relief
Consumer complaint received 2022-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2022, Wells Fargo Bank failed to notify me about an on-line Transfer from my Savings Account to my Checking Acct in the amount of {$100000.00} which I did not do. The money was then used by the Fraudster " XXXX from XXXX XXXX '' to claim that I '' stole {$100000.00} from XXXX XXXX  '' when I responded to an email from XXXX XXXX XXXX XXXX that the payment for my subscription of {$390.00} was successful. I explained that I did not ask for any subscription and " Employee XXXX '' told me to fill up an application for Refund from XXXX XXXX, bank that handles XXXX XXXX, which I did and it back to him. 
I was threatened by " XXXX '' that if I don't return back the money, he will call the Police to come get me! '' which made me really scared and trembling! I told him to just reverse the money then, but he said it has to by wire Transfer which I have not done before. He then sent me the Instructions of how to do it. I checked my XXXX  Checking Account and I did see " Deposit from XXXX XXXX  {$100000.00} ''! I then went to Wells Fargo Bank and gave the paper to the Banker and did the Transfer right away without any questions. 
When I got home, that XXXX called me again to check if I did the Transfer and to picture the receipt to send him. Then he said, " Let 's just this keep this to ourselves, ok? '' That's when I realized I got defrauded and had tried to call the Bank but they were answering the phone, so I went back to the Bank within the hour! XXXX tried to call the number on the receipt but no answer. The Banker also reported it to their Fraud Dept. I then asked to talked to the Chief Banker and complained HOW COME NOBODY NOTIFIED ME ABOUT THE ON-LINE TRANSFER FROM MY SAVINGS TO MY CHECKING ACCOUNT? THAT SHOULD HAVE ALERTED ME THAT IT WAS MY OWN MONEY THAT I WAS WIRE TRANSFERRING! Besides I did not have enough money in my SAvings to make the {$100000.00}! I told the Banker that was really NEGLIGENCE on their part! Then we found out that {$15000.00} came from daughter 's Acct ( Educational Savings for my Granddaughter )! The next day, I received in my email the warning about the on-line Transfer of {$100000.00} WHICH IS TOO LATE! I made a complaint Letter to the Bank about their Negligence and they wrote me back after 2 weeks denying my 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 2022-08-03 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: MO

Complaint narrative:
after sending disupute letters to each bureau, certified mail XX/XX/2022. I waited for a response of the investigation and i have still yet to receive anything from either bureau. 

i take my credit very seriously and the number of violations and inaccurasies on my report is costing so much more money and im preparing for legal action to seek damages from failure to comply with FCRA laws due to blatant disregard for following the laws in place. 

under 15 usc 1681 e b- accuracy of a report, it is the CRA to report 100 % maximum possible accurate information on a consumer, so these accounts are in violation of that law and need to be deleted from my credit report immediately : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX as, XXXX XXXX, mo child support, these accounts are either or all closed, the dates reported dont match along with the remarks made from each bureau causing me to have all different credit scores. They are held responsible for reporting accurate info and they failed to do so causing inaccurate reports which is law violation and a reason why I can seek damages for this inconnviennce. 

under 15 1602 p- unauthorized use of my information, i have never given any written consent for any of this plus these inquiries to be reported to my credit report, ive called and asked the creditors to send me the document showing my hand written signature they couldnt do it, so this is fraud and no consent is fraud so i also demand these items to be removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX bank all of this is what I stated in my dispute letters, I dont beleive in threatening a law suit but this is just a XXXX poor job of them not properly doing an investigation and upholding the fcra/fdcpa laws and im ready pursue legally at the maximum extent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
after sending disupute letters to each bureau, certified mail XX/XX/2022. I waited for a response of the investigation and i have still yet to receive anything from either bureau. 

i take my credit very seriously and the number of violations and inaccurasies on my report is costing so much more money and im preparing for legal action to seek damages from failure to comply with FCRA laws due to blatant disregard for following the laws in place. 

under 15 usc 1681 e b- accuracy of a report, it is the CRA to report 100 % maximum possible accurate information on a consumer, so these accounts are in violation of that law and need to be deleted from my credit report immediately : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, mo child support, these accounts are either or all closed, the dates reported dont match along with the remarks made from each bureau causing me to have all different credit scores. They are held responsible for reporting accurate info and they failed to do so causing inaccurate reports which is law violation and a reason why I can seek damages for this inconnviennce. 

under 15 1602 p- unauthorized use of my information, i have never given any written consent for any of this plus these inquiries to be reported to my credit report, ive called and asked the creditors to send me the document showing my hand written signature they couldnt do it, so this is fraud and no consent is fraud so i also demand these items to be removed immediately : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX bank all of this is what I stated in my dispute letters, I dont beleive in threatening a law suit but this is just a XXXX poor job of them not properly doing an investigation and upholding the fcra/fdcpa laws and im ready pursue legally at the maximum extent.

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 2022-08-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TD BANK US HOLDING COMPANY
State: ME

Complaint narrative:
I have spoken with XXXX XXXX about the debt they purchased and have asked them to stop calling me multiple times as I am not interested in working with them. They have called me on two different phone numbers and also continue to send me mail. They are very aggressive on the phone when I explain that I am not working with them, I have worked with the creditor directly for resolution and have asked multiple times for them to stop contacting me. I receive multiple calls per week from restricted and unrestricted numbers, as well as mail disguised as other types of mail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-03 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: FL

Complaint narrative:
Only on my Equifax report -they have my date of birth as XX/XX/1899 as well as my name. In the pass I did have my military id stolen and fraud did appear on all three of the credit reporting agency. I have submitted my driver License online and even online on their website. 

my name is XXXX XXXX XXXX and my date of birth is XX/XX/1978

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, and XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

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 2022-08-03 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX # XXXX, and XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XX/XX/XXXX & XX/XX/XXXX I mailed a dispute letter to XXXX and TransUnion advising that the pay status and remark section of my credit reports were incorrect. I received no response from XXXX and TransUnion advised that based on their " investigation '' the info was correct. I submitted a complaint with the XXXX  on XXXX trying to have the payment status and remarks corrected and received the response from XXXX that I am in an active XXXX. My active BK was filed XX/XX/XXXX and never in question as I am the filer, just the statuses and remarks posted against my non included accounts. 

This car loan was refinanced with the sole purpose of NOT entering it into BK. There was a claim for payment submitted against my BK petition on XX/XX/XXXX by XXXX on behalf of XXXX. As you will see in the uploaded docs a copy of the canceled payoff check that XXXX cashed on XX/XX/XXXX from XXXX which is not apart of the XXXX XXXX XXXX Bankruptcy XXXX. 

You will also notice that on XXXX XXXX mailed me a PIF doc. Also during this time I disputed the the payment status and remark sections of both TransUnion and XXXX Credit Bureaus to no avail. 

Also after my XXXX  dispute on XXXX, XXXX on behalf of XXXX filed an amendment to have their claim removed as the account had been PIF via XXXX for months. 

I recently emailed the CEO of XXXX and received a letter advising that they are " researching '' my recent correspondence regarding my concerns.

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 2022-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On XX/XX/XXXX & XX/XX/XXXX I mailed a dispute letter to XXXX and XXXX advising that the pay status and remark section of my credit reports were incorrect. I received no response from XXXX and XXXX advised that based on their " investigation '' the info was correct. I submitted a complaint with the XXXX on XXXX trying to have the payment status and remarks corrected and received the response from XXXX that I am in an active XXXX. My active BK was filed XX/XX/XXXX and never in question as I am the filer, just the statuses and remarks posted against my non included accounts. 

This car loan was refinanced with the sole purpose of NOT entering it into BK. There was a claim for payment submitted against my BK petition on XX/XX/XXXX by XXXX on behalf of XXXX. As you will see in the uploaded docs a copy of the canceled payoff check that XXXX cashed on XX/XX/XXXX from XXXX which is not apart of the XXXX XXXX XXXX Bankruptcy XXXX. 

You will also notice that on XXXXXXXX XXXX mailed me a PIF doc. Also during this time I disputed the the payment status and remark sections of both XXXX and Experian Credit Bureaus to no avail. 

Also after my XXXX  dispute on XXXX, XXXX on behalf of XXXX filed an amendment to have their claim removed as the account had been PIF via XXXX for months. 

I recently emailed the CEO of XXXX and received a letter advising that they are " researching '' my recent correspondence regarding my concerns.

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 2022-08-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
XXXX XXXX XXXX ( XXXX ) is the insurer for Chase Sapphire Reserve. I made a claim to them for an airline delay that caused me to miss a connecting flight in an amount exceeding {$1600.00}. They required me to get a " Common Carrier Statement of Delay '' from the airline. 

I called XXXX 3 times over the past 6 weeks and used their chat feature once to make the request. I was told every time that they would provide me the form within 5-10 business days. I have never received it. I am going to lose {$1600.00} unless they provide me the statement of delay. 

I told XXXX  that XXXX will not provide it, but did however provide other proof that the flight was delayed by more than 8  hours ( screenshots from XXXX app showing delay ; flight aware tracking ; and XXXX 's webpage showing the delay. ) I requested that they consider this as proof and process my claim which they have declined to do.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-03 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: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2022, I paid off 2 mortgages, totaling over {$450000.00} with XXXX Bank in XXXX, XXXX Equifax and the other credit agencies do not show these mortgages as paid in full, causing my debt to income ratio to be 244 %. In fact, ironically these mortgages just showed up for the very first time after this closing and had never been on my credit report. Also, criteria shows that I " do not have a mortgage '' lowering my credit score, when I had a substantial mortgage in good standing. These payments were nearly {$3000.00} for years and " paid as agreed. '' I am trying to purchase a small home, and can only get a subprime interest rate of 9.25 %, because my credit score is barely over 600. I live in XXXXXXXX XXXX, in a very small town and there are very few homes for sale, and I do not want to keep paying rent. I can not purchase any home without a ridiculous credit score, despite working for over 50 years. I have written the companies and the more I inquire it seems the worse it gets. This is grossly unfair. I see where this has happened all over the United States, and I find it concerning. What is going on with the credit bureaus? Are they intentionally trying to skew the credit reports to keep people in debt?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. I have never give any written instructions or consent to have my information published publicly.

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 2022-08-03 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. I have never give any written instructions or consent to have my information published publicly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
XXXX BANK OF AMERICA {$100.00} deposit, {$25.00} {$25.00} {$50.00} XXXX XXXX XXXX XXXX Lost deposit {$180.00} {$100.00} {$75.00} {$60.00} {$40.00} {$50.00} {$120.00} {$80.00} {$70.00} {$170.00} XXXX XXXX XXXX Account number XXXX Routing number XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Social security XXXX XXXX Submit Complaint Top Right

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