vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
On the XXXX of XX/XX/2020 SunTrust now known as truist bank restricted my online banking and restricted me from withdrawing from my bank account because I initiated a XXXX  transfer of about XXXX $ to my family member... 
I called the customer service and was told to walk into a branch branch to resolve my bank issue .... 
I visited the local bank branch in XXXX GA where I live and I was told my account is closed because I violated the terms and condition and that my account will be closed and my funds mailed to me in 90 day over a {$10.00} XXXX transfer????? I was shocked .... 
I kept getting notification of my daily balance on my email address and still kept seeing my available balance, I had {$11000.00} in my account and they kept notifying me of it daily ... then on day I noticed the available balance was {$0.00} and finally I was excited my check had been mailed out and then I noticed at a point again my account balance was & XXXX, I was surprised the account I was told was closed was still active and still getting emails but then one day I stopped recieveing emails .... 
And after waiting for almost 2 years now I am still yet to get my {$11000.00} I had in my account when it was closed

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 2022-11-28 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:
XXXX XXXX Account NumberXXXX, has violated my rights. 

15 U.S.C 1681 Section 602A.

I have rights 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.

15 U.S.C. 168 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-11-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: IL

Complaint narrative:
The consumer is here to dispute any alleged claims that you are now listing as a consumer debt on the consumer 's credit report as a federally protected consumer. 
In accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), the Consumer is asking you for validation ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
The collection agency Genesis Credit Manag DBA Columbia Debt Recovery has reported past due debt of {$950.00} Acct # XXXX under XXXX, XXXX and XXXX 18 USC 1028A : Aggravated identity theft a ) Offenses.- ( 1 ) In general.-Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/XXXX I deposited a check for {$97000.00} at my local branch. The funds were held and I was given no indication in writing was to when they funds would be available, how much or when I could have access. I called multiple times and was told when the funds would be available and why they were held. No one would put anything in writing or help me find the funds or when they would be available. I still have not received the funds. I have attached the information sheet that the bank left blank and would not send me info.

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 2022-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
XXXX XX/XX/XXXX Chase Bank {$4300.00} was debited from our checking account. It was noted as a " Debit DDA Check Charge ''. 
I immediately called the bank and spent an hour or so being shuffled from one person to another. I received no answers to what the issue was due to their being an absence of any dialogue associated with the charge. 
I made several phone calls over the next few days. On XXXX, XX/XX/XXXX, I was informed an email was sent to the " compliance '' dept and that I would receive a response within 24 hours. That did not happen. 
XXXX XX/XX/XXXX I called this morning to follow up and was told, once again that an email will be sent to the " research '' dept and it will take 2-3 business days for them to even respond with what may have happened. I am not allowed to even be CC 'd on the correspondence.

There was never any correspondence stating that there would be a charge to our account. They just took it.

The only thing we think may have happened was my niece was recently scammed and filed a fraud complaint. There were 12 checks cashed within one week. The only connection we have to that is that my mother is on both accounts. 
My niece received a letter on the XXXX stating the situation was resolved and no further action would be taken. This is, however, only speculation as there are no notes associated with the {$4300.00} charge. 

We have excellent credit, no outstanding debt and have been in good standing with them for 20 years. 

I am worried that we will not get our money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-11-28 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: FL

Complaint narrative:
They are incorrectly reporting as " Paid out of collateral ''. There was never any collateral and there was never any money lent to me. This was supposed to be a savings account- for which they kept the money ( I was told would be returned ) and never provided me with a loan or any kind of service. I made multiple written requests for them to validate the debt or provide evidence of the collateral in question for which they have ignored for more than 60 days now.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 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: FL

Complaint narrative:
They are incorrectly reporting as " Paid out of collateral ''. There was never any collateral and there was never any money lent to me. This was supposed to be a savings account- for which they kept the money ( I was told would be returned ) and never provided me with a loan or any kind of service. I made multiple written requests for them to validate the debt or provide evidence of the collateral in question for which they have ignored for more than 60 days now.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 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: EQUIFAX, INC.
State: FL

Complaint narrative:
They are incorrectly reporting as " Paid out of collateral ''. There was never any collateral and there was never any money lent to me. This was supposed to be a savings account- for which they kept the money ( I was told would be returned ) and never provided me with a loan or any kind of service. I made multiple written requests for them to validate the debt or provide evidence of the collateral in question for which they have ignored for more than 60 days now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
I opened a Citi Accelerate High-Yield Savings on XX/XX/XXXX. I opened this account for a promotion that gives the consumer a cash bonus offer based on the amount of funds in the account. According to the confirmation email I received on XX/XX/XXXX for enrolling in the Citi Accelerate High-Yield Savings Tiered Bonus Offer, the promotion provides a cash bonus based on depositing " New-to-Citibank Funds into your new savings account within 20 days of account opening. The balance on the XXXX calendar day after you open your account will determine your maximum cash bonus ''. My email confirmation for enrolling also states " your Cash Bonus will be paid to your Savings Account within 90 days after you successfully complete all required activities. '' After not receiving the cash bonus, I called Citibank customer service on XX/XX/XXXX and the representative ( XXXX ) confirmed that I am entitled to receive a {$500.00} cash bonus and confirmed that all the requirements have been met. He said I should receive the bonus no later than XX/XX/XXXX and if I do not receive the funds by then, they would file a promotional dispute. He also provided me with a promotional code. 

After not receiving the funds by XX/XX/XXXX I called again on XX/XX/XXXX. The representative notified me that the code the previous representative provided did not work on their end and there was nothing else they could do for me to receive my promotion. Please note that the confirmation email I received after enrolling did not have a code- the only code I had was provided by the CitiBank representative on XX/XX/XXXX. I then talked to an account supervisor ( XXXX ) who notified me that she sent in a request for the bonus, however I have received no confirmation information or timeframe on when this might be resolved. I have still not received the funds and would this matter is resolved as soon as possible, as I can not access all my funds in my account while this is in dispute.

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 2022-11-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BlockFi Inc
State: FL

Complaint narrative:
BlockFi has frozen withdrawals from their platform since XX/XX/XXXX, citing their Terms of Service. While it may be the case that they have within their ToS that withdrawals can be paused, they are operating as a marketplace enforcing rules arbitrarily and to the benefit of their selected winners. 

They are custodians of assets owned by me. These assets are virtual currencies that are liquid in other marketplaces. Their decision to limit my ability to withdraw my own assets is anti-market behavior. Meanwhile, news sources report that select individuals and organizations have been able to withdraw their assets. This is selective enforcement. 

I am unable to take possession of, transfer, and change the denomination of these assets owned by me solely because of BlockFi 's decision to pause these activities in the name of shoring up their own business. This is against the public interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2022 with follow XXXX  disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, their is not excuses of why i am been ignored on my requests, by law they have the obligation to look into this inaccuracies informations. Please see attache and help to resolve this matter soon as possible..

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 2022-11-28 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: NY

Complaint narrative:
I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2022 with follow XXXX disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, their is not excuses of why i am been ignored on my requests, by law they have the obligation to look into this inaccuracies informations. Please see attache and help to resolve this matter soon as possible..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: TN

Complaint narrative:
On XX/XX/XXXX, I filed a chargeback dispute with my bank XXXX XXXX, for around {$3000.00}, for debit card transactions to XXXX XXXX fraudulently tricked me into believing it was a secure service to secure my assets. Under XX/XX/XXXX changes to Reg E that are documented on CFPB 's website here : https : //www.consumerfinance.govXXXX XXXX XXXX 

" A consumer who is fraudulently induced into providing account information has not furnished an access device under Regulation E. As explained above in Electronic Fund Transfers Error Resolution : Unauthorized EFTs 3, 4, and 5, EFTs initiated using account access information obtained through fraud or robbery fall within the Regulation E definition of unauthorized EFT. See Comment 1005.2 ( m ) -3. '' " Regulation E sets forth the conditions in which consumers may be held liable for unauthorized transfers, and its commentary expressly states that negligence by the consumer can not be used as the basis for imposing greater liability than is permissible under Regulation E. 12 CFR 1005.6 '' " Similarly, when a consumer is fraudulently induced into sharing account access information with a third party, and a third party uses that information to make an EFT from the consumers account, the transfer is an unauthorized EFT under Regulation E. 

I contacted the bank on XX/XX/XXXX, and they tried to use a loophole to decline my dispute ( that loophole was closed by the XX/XX/XXXX updates to Reg E ). I am currently pursuing all avenues to hold them accountable. The debit card dispute is from a card offering by BNY Mellon, and they are violating Reg E

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX and 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 2022-11-28 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:
You can see my the attached document that XXXX XXXX XXXX is using an unlawful document containing unlawful phi and has submitted this to this portal and has broken the law!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Navy federal did not notify me that my account was past due before submitting a negative report of late payments on my credit account. When I received their collection letter, I immediately paid the account in full. When I spoke with their staff, they initially said they did not submit any late payment report but when I checked my credit score it had dropped drastically and it was due to their late payment report. Three different people advised that an advanced payment specialist could remove the negative report from my credit report but when I spoke with credit card supervisor she said that information was incorrect and their policy was not to remove it. They should remove it and they should not be able to drop a person 's credit score so drastically and then tell you there's nothing they can do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Hello, I recently have encountered an issue with Citi bank here, I recently had my direct deposit hit on XX/XX/18 I had enough funds to cover my payment to XXXX XXXX for XXXX however Citibank decided to return payment because my dispute was closed.which is not fair my credit dropped XXXX points thanks a lot Citi bank.

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 2022-11-28 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: BlockFi Inc
State: ID

Complaint narrative:
I have a credit card with BlockFi, which issues rewards via XXXX XXXX Since using the card, I've accumulated XXXX XXXX or ~ {$640.00} in rewards. Per the terms, these rewards become my asset/ I have individual ownership once issued. 

The problem is, BlockFi recently stopped all withdrawals and has now filed XXXX XXXX -- I can not collect my rewards. They say this meets their terms, but if I own the rewarded XXXX, aren't they breaking those terms by refusing to relinquish my asset? 

Since they won't let me withdraw my rewards and I believe are breaking the agreed terms, what protection do I have? I owe {$5700.00} on the card and have removed automatic payment. Can I legally stop payments without penalty while disputing this issue? If I do need to continue making payments, can I leave the equivalent reward balance unpaid on the credit card without penalty? 

What protections do I have here?

Company response to consumer: Closed with explanation