vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-03 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
On XX/XX/2020 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2021-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
I opened an online checking and saving wiIth SunTrus bank in XX/XX/2020, then I used their APP to deposit a bank check issued to me by XXXX XXXX  with an amount of {$3400.00} ... ..within few days the the online account showed me that the check has been cashed and money was available to my use. 

2 week later I added an external bank through Suntrust and they verified that bank through depositing 2 small amounts to it .... 

I tried to transfer part of that money to the external account so I can have access to the funds since Suntrus never sent me a debit card to use even after i called them few times to do so.but instead they closed my account and removed my access to the account with no known reason to me, when I called them to investigate they said they would mail me info on why they closed the account, but they never didi. 

I called them 3 times to have them mail me a check of the funds that are still in the account, one time they said they would send it in a week, in another call they said tow weeks, and never did. I called them multiple times after that they started saying that the bank who issued those check that I have already deposited and appeared on my account as available funds put a hold on the funds after they have been cashed!!! 
I called the Issuer bank ( XXXX ), they assured me they never put a hold on the checks, they also mailed me a copy of those checks as per my request. 
in my last call to SunTrust they said they wouldn't send me my money and the issuer bank need to recall the money, I called the issuer bank and they said they cant do it because they dont have the money and there is no hold. 

SunTrut refused to call XXXX nor to send me any statement about the issue and the funds nor they allow me to talk to any manager, when I asked about a time frame for my issue to be resolved they said they don't know, it could take months and without the XXXX XXXX recalling the money that SunTrut have already they wouldn't do anything and my money could stay there indefinitely!!!

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 2021-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have had XXXX on my credit report since 2012. Its been closed but some collections company is trying to reopen the account by just changing the date on the report. Ive contacted them telling them they cant do that. and transunion wont take it off because from whAT they see it was opened recently but its almost ten years old. I need this taken off my transunion account its affecting me still and its not fair its not supposed to be on my credit info anymore

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 2021-02-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
American Express Charge Interest {$160.00} on a balance of {$10000.00} shown on statement can't prove how the total balance of {$10000.00} come from. 
According to the current billing statement due at XXXX XXXX, 2021 & XXXX XXXX, 2021, there is no over due balance of {$10000.00} subject to APR 18.24 % for the interest charge of {$160.00}. 
As a card holder of me has been contacted to Customer Service at XXXX XXXX. XXXX, and still can't get any info. from American Express about the balance of {$10000.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I received a new Capital One Quicksilver card in XXXX. After one use, the card was restricted without explanation ( unable to use and unable to apply the contractually promised {$300.00} rewards cash I have already earned ). I had to call in, which triggered a request for identity documents, still without explanation. After providing a passport, social security card, and live ( on phone ) bank address verification with a Capital One and a XXXX agent, Ive still been asked to provide a state ID, which I simply dont have ( and won't be going out of my way to get any time soon given the state of the world ). I was told I would be called back confirming the possibility of unrestriction without state ID, which I wasn't. Calling in again weeks later on XX/XX/XXXX, I was told that in some cases a passport is sufficient, but in my case it is not. I stated that at no point in applying for the card did Capital One stipulate that holding a state ID is a requirement ( to which the agent, in her personal capacity, offered that having a state ID is obviously a good idea ). All this without any explanation and after Ive leveraged 70 % of the credit line - a bit too late if I was in fact a fraudulent a user, which is presumably the suspicion. ( While not trusting that I am who I say I am, Capital One of course requests my payment, seemingly unaware of that irony ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: Conduent Incorporated
State: GA

Complaint narrative:
I was approved for 39 weeks of XXXX benefits and only received my 11 weeks of payments, or 11 deposits, on my card. My XXXX benefits went into effect on XX/XX/2020 and I havent received a payment since XX/XX/2020. I was also approved for LWA assistance payments which were only 3 I was eligible for but it added up to over {$900.00} and I cant find that money anywhere. They said that it was direct deposited to my account that I had listed on my profile but all my XXXX payments were rejected and had to be reprocessed and put on my go program card but I still havent received any payments of any kind since mid XXXX and I have tried to call the department of labor and I would be put on hold sometimes for 4 or 5 hours just to be disconnected and Ive repeatedly emailed them to no avail always getting the same response of for me to send my info and confirmation number and they would look into it but then I wouldnt hear anything for 2 or more weeks and then Id get the same preprogrammed message. Im so frustrated and almost dead broke and my bills are pilling up and Im slowly losing XXXX XXXX  I started for the ground up. Please tell me what I can do to get my back payments and who I need to talk to about it if youre unable to help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I submitted a complaint to Experian about incorrect information being reported about me on my file. I have been in dispute for ONE item for the past XXXX months. The dispute is for a late payment that happened back in 2018. After speaking with the original creditor, XXXX XXXX, has applied the payment to the following month instead of the month that I was making the payment for, causing the late reporting. Well shockingly enough XXXXXXXX XXXX can not update the information on their end .... as a creditor I find this to be lazy and just unacceptable. If you, the creditor, were able to report the wrong information, you should be report the correct information, especially when it was the creditors fault. I digress. 
Upon many supervisors telling me the same thing, I submit a dispute with Experian, with proof of statements with the XXXX letterhead about the error. Experian, has conducted a terrible investigation because it completely disregarded the statements and said the information was verified. ( Being late ) How can you verify something without showing me WHY it's verified, who you spoke with and when, and what documents did you show me that you have received from XXXX verifying that I was late? Because I have sent YOU ( Experian XXXX the documents supporting that I was not late. 

I am not the only one who is having issues with this. I'm sure if enough people came together about the neglect for this terrible system, multiple class action lawsuits would come from this. 

My only anger is that I'm providing proof about the matter and not pulling a lie out of thin air.

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 2021-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
TO : CHASE XXXX XXXX XXXX  XXXX XXXX XXXX TEXAS, XXXX FROM : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX SUBJECT : UNAUTHORIZED TRANSACTION BY CHASE for {$1000.00} This letter is for Consumer Financial Protection Bureau to please do an investigation on my account ending : XXXX JP Morgan, Chase, where I had been taken from my account without authorization the amount of {$1000.00} on XX/XX/2020 paying a Company that was already paid in full. ( See Attachments ) On XX/XX/2020 : I asked for a Loan with XXXX XXXX XXXX XXXX XXXX XXXX for the amount of {$1000.00} finding out that this company the payments were too high. 

On XX/XX/2020 : I paid the loan off for the amount of {$1000.00} ( See Attachment ).

On XX/XX/2020 : An Error occurred with a REVERSAL action for the amount of {$1000.00} done by Chase giving {$1000.00} back again. ( See Attachment ). I contacted the XXXX XXXX immediately, they told me that the account was paid in full and for the amount of {$1000.00} and once they close the account, they can not receive any more funds or money. 

I will like that Chase return my money, because I already send letters to their main office, SEE ABOVE ADDRESS with no respond. When I go to their bank at XXXX XXXX Florida, they immediately start saying that is not true. When I have proof that this amount was taken from my account. Please return to me a check for the amount of {$1000.00} owe to me. XXXX FDIC XXXX. This is the first time that a Bank take money from me. 


For any questions, please contact me via XXXX mail XXXX Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
My travels were cancelled by a cruise company due to covid. I paid for this travel XX/XX/2020. The cruise company refunded the credit card I used leaving me with a {$5600.00} credit on my credit card and {$750.00} on another. Since last friday I have been trying to get someone at Bank of America to transfer my money to my checking account with them. No one will act! After about 1.5 hours of playing with their pathetic phone system i contacted the Fraud Department knowing i would reach a live person there, she transferred me to a CSR named XXXX ... .she began to do the transfer and then disconnected on me -- Never called me back! After another 1.5 hours I finally got some guy on the phone " XXXX '' i think, and he said he would do it BUT HE ONLY DID THE {$750.00} and NOT the {$5600.00} even though he was smug about my questioning why i couldn't get confirmation that he did that transfers. Seems i was right knowing that BOA CSR 's are not well trained. Well I am still today waiting for Bank Of America to refund my {$5600.00} to my credit card. I have written to them 4 times ... they sent me a form letter stating " we've been trying to reach you '' which is a LIE. So know bank of america is a liar and thief! They have not reached out, they want me to call and go round and round on their phone system. It is my money, i want it NOW!!!!!!!!!!!!!!!!!!!!!!!!!!!!! 

Here is the real irony! XXXX XXXX had my flight refund of {$3100.00} on my credit card with them. That same friday morning i called them, got a person on the phone almost immediately. They processed the credit the same day AND THAT AMOUNT WAS CREDITED TO MY BANK OF AMERICA ACCOUNT YESTERDAY! 

So another company not affiliated with Bank of America can get my money to a Bank of America account FASTER thank Bank of America can simply transfer into another of their own accounts. How pathetic is that! 

I want my money transferred today!

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 2021-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
TransUnion needs to remove this random " XXXX XXXX XXXX '' account off my report. It seems to be a force within the credit bureau where they often have other peoples accounts and information mixed up from time to time with variety of history recorded in court districts and many customers reporting the same issue going on. This account was removed from my report with XXXX based on an error which also should be done a same timely done manner with TransUnion as purposed addressed to be the issue. They need to remove this XXXX  account off the report that'll be a " fair resolution '' hurting peoples credit report is all fun in games when you have children and big responsibilities to take care of especially when it comes to mortgage being rejected cause of this one account, appsolutely.

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 2021-02-03 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
***Pursuant with H.R.5332 - Protecting Your Credit Score Act of 2020 Transunion has not established a central portal for consumers to dispute errors*** I called Transunion onXX/XX/21 to dispute a medical collections added to my credit report from XXXX XXXX XXXX . After explaining this was a medical collections ( HIPPA violation ) and that this should have never went to collections as it was suppose to be written off by the original creditor the due to the global pandemic COVID-19 ( I have documentation to support my position ) The rep took by dispute and assigned file # XXXX I explained I had supporting documentation and the rep advised me to mail it in ( again they don't have a central portal for consumers to dispute. 

I sent a first class package by certified mail to Transunion on XX/XX/21which was delivered XX/XX/21 ( tracking # XXXX ) Included in the package was all of my supporting documentation. 

I received dispute results by mail ( Letter dated XX/XX/21 received by me on XX/XX/21 ) Indicating the debt was verified as accurate and the date was updated. 

Transunion did not properly investigate this error, nor did they wait to review my supporting documentation which clearly supports my position. They simply did some type of electronic " validation '' no real investigation. I called them on XX/XX/21and their investigation response was dated XX/XX/21( 3 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 explanation
Consumer complaint received 2021-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have two CitiCards. An Awards ( ... XXXX ) card and a CitiAdvantage Card ( ... XXXX ) Sometime in early 2020, before XXXX, my card ending in XXXX, that I had not used for over 5 years was paid off complete. 

Payments were being made automatically to both accounts from my XXXX XXXX Checking Account. For some reason after the paying off my card ending in XXXX, my payments to card XXXX ( CitiAdvantage ) were being applied to my XXXX card. I discovered this error and contacted Citi, who promised to move the credit in XXXX to XXXX and update my payment history accordingly. Citi moved the credit to XXXX on XX/XX/2020, or thereabouts, but never updated my payment history as promised. As a result I immediately received a 60-90 past due on my credit report, which I did not know of until recently. 

Furthermore, my card ending in XXXX had received activity that was fraudulent after the XXXX correction. I never received a statement or notification in the mail about any activity. The disputed amount was reported to the credit agencies as still past due as recently as XX/XX/2021, however upon notifying Citi, their fraud department and customer service departments tell me that I have a negative {$35.00} balance ( credit ). 

On XX/XX/XXXX, I received two letters from Citi ( attached ) stating that my credit information is correct and that I need to contact the credit agencies to let them know I'm disputing the information. 

I spoke with Citi again, XXXX - XXXX PST on XX/XX/2021 and was sent from department to department speaking to representatives in their fraud and customer services department only to be disconnected without resolution. 

I fear this really indicates Citi 's lack of security protocols and their inability to have any oversight to their credit card billing and management systems. Their lack of knowledge about their own processes is grossly expressed as their representatives appear to be mouthpieces to only drive their customers to give up due to their corporate direction of not really caring about their clients concerns. I am sure that I am not the only one going through this exhaustive process to right the wrong due to their negligence. 

I hope this is enough information to start this investigation. 

I plan on re-calling them as soon as send out this statement. 

All of the above can be confirmed if Citi releases all phone recordings and transcripts of my discussions and actions with them since XX/XX/2020. 

I can offer a copy of my credit report if needed. Every other creditor reports exceptional payment history except Citi. 

Best Regards ... ... ..

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 2021-02-03 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Automatic Data Processing, Inc.
State: NM

Complaint narrative:
I was issued this card when I was working for the XXXX XXXX XXXX. 
The company that issued it was ADP. 
When I quit I figured I'd just keep the card and use it to as a prepaid card. 

When I was using it, I hardly ever loaded cash onto it. 

Not until Unemployment was available differently I start to receive deposits. 
Then the whole website changed. 
I remember it was spelled XXXX. Then it changed to XXXX. 

I tried closing this account and was told by the CSR that I spoke to that I COULD NOT CLOSE THE ACCOUNT. 
I was also told that there were 3 other card numbers listed on my account. 

I asked for statements first all 3 card accounts and was told that was not possible.

Company response to consumer: Closed with explanation