vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I had previously submitted a complaint regarding my citibank checking # XXXX account about a year ago. They had closed my account which they told me was because I had business funds deposited into a personal account. But it was later discovered that they reported the closure as fraud and now i am unable to open another bank account else where. This was shocking and outrageous to me as I had submitted numerous documents proving that the business and the funds deposited from sba did in fact belong to me. Those documents were submitted with my last complaint. The reason for this new complaint is because after about 8 months of waiting for the balance on my account at the time of citibank 's closure to be refunded to me, I still had not received the monies or any communication from citibsnk, I reached out to them again requesting information on the whereabouts of the {$4300.00} balance in my closed checking account. They informed me that they needed me to provide my schedule c from a previous year, which I would find and email to them. When i emailed again asking the status the balance to due me since i provided them with the information they had requested from me to be able to release the funds to me, they informed me that they will not accept my schedule c, which is in fact the document they requested to be able to refund my balance to me. They gave me no explanation as to why they would not accept the document that they had requested and also informed me that they would no longer respond to my inquiries regarding this matter. I have no idea how a financial institution can legally withhold the balance of an account that THEY closed without ever even informing me that they were going to close, or giving me any opportunity to withdrawal my money before closure.

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 2022-09-29 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: Loan Science, LLC
State: GA

Complaint narrative:
Acount number # XXXX ( XXXX I've submitted a letter to all three bureaus no response and nothing was done- on the credit report reinvestigation is in progress this has been since XX/XX/2021. I requested contract paperwork with my signature regarding this student loan, again I have no idea who this company is etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
On XX/XX/2022, I opened an account with Bank of America. There was a {$300.00} bonus advertised. I made sure too meet all the requirements to qualify for this offer. Bank of America only deposited {$220.00}. I proceeded to make several inquiries over the phone. I had a difficult time getting help on the phone with someone who cold help me in regard my inquiry. Several Bank of America representatives were attempting to get me to conform with accepting that I had received a {$220.00} bonus with no explanation as to why the varying amounts. Several others transferred from one place to the other. 

The first time I made a successful inquiry was on XX/XX/2022, close to a month of attempting to get help. The second time I made an inquiry was on XX/XX/2022, and I was told that there was a case and I would receive notification either via secure message or through the mail. There was no notification. On XX/XX/2022 I made another inquiry via Online Banking, and I was told no notification was sent, and no error resolution happened. I was told the reason why the amount varied was due to " taxes, '' and the conversation was abruptly cut. 

This does not comply with Reg E error resolution timeframes, which state that the Financial institution must investigate within 10 banking days, and if the Financial institution is not able to resolve the error, that provisional credit is to be granted to the consumer while the time for the Financial Institution to investigate the case gets extended to 45 calendar days from the date of the inquiry. 

Not only Bank of America is in non-compliance with Reg E, but they have also violated the UDAAP, as what they advertised is Deceptive, their practices to get in contact with them are Abusive.

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 2022-09-29 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXXXXXX : # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years, 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer lo 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 2022-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC.
State: TX

Complaint narrative:
Hi, I need to dispute 5 transactions made with my debit card due " merchandize not received ''. I tried to reach the merchant several times ( last one XX/XX/XXXX ) to ask about the shipments but they never replied. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All these purchases must be delivered on XX/XX/XXXX, but the seller never sent the shipment and never provided a tracking number. 
Also they are not answering the emails I sent to them asking the status.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Ive identified accounts and inquiries on my consumer report as a result of identity theft. These items are not related to any transactions made by me. Ive tried to contact the companies directly to no avail. Attached you will find the FTC report, my consumer statement, and my identification proving my identity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
CBNA called me 4 times within 4 days to verify if I was trying to open up an account. I told them this was not me and they told me I would not be penalized for the inquiries and they would be removed right away. They were not.

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 2022-09-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I checked my credit using XXXX on XXXX. I noticed that my credit points dropped significantly. I then noticed that I have a new account opened, opened in XXXX. I have not opened any new accounts since before the pandemic. I noticed that XXXX dollars was charged. I called Target and I Talked to a team member on the Fraud department and she said that two charges were done on this new account : XX/XX/2022 for XXXX and XX/XX/2022 for XXXX. 
I did not open nor make these charges on the Target Credit Card that was recently opened on my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Credit Karma, LLC
State: WA

Complaint narrative:
My phone and purse with my ID and social security card was stolen I had just received my income taxes and they sent it through credit karma all my account info was in my phone when this happened on the XXXX of XXXX I immediately called credit karma and told them my phone and purse wallet was stolen to close the account I then asked them the last transaction and at that time there had been no unauthorized transactions made yet all my money was still there {$6800.00} about so that was good news and made me feel a little better knowing they didnt spend my money because that was all the money I had to get a place for me and my son because we just lost our house that day anyways the next day I was able to get into my phone log to see who they were calling and I saw this XXXX  number on there multiple times like 10 calls made back and forth so I called it and it was the fraud department to credit karma I then found out they let them back into my account and was calling my phone which they acted like me and authorized all the transactions they were making I tell the fraud department what was going on that they should of never authorized any transactions because I told credit karma to close the account and send me a check well the people who stolen my phone changed my whole account to there phone number there email so credit karma would not let me access my account without verifying who I was so I sent them a picture of my ID I had on my computer and my social security card with a picture of myself holding the time and date with my social security number but that wasnt good enough I had to send the back of my ID which was stolen with everything else and I was waiting for my new ID in the mail which was going to take 7 to 14 business days but they wouldnt let me access my own account until then so that whole time Im telling them to close the account send me a check this was all the money I have for a place to live now me and my son are on the streets they were still letting these thieves spend all my money credit karma even hung up on me a couple times cuz I was going back and forth with them crying wondering why there doing this to me the minute I called and told them to close the account that all my stuff have been stolen to just send a check why would they let these thieves back in my account it does not make sense there phone calls are all recorded and every store or atm or however they pulled money off my account should have cameras and its obviously not me I made a police report and everything and credit karma still denied my disputes when I have waited way over however days they said it took to get my money back and the whole time me and my son are XXXX have no where to go no money for food because credit karma let someone else spend my money this is not right

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I dont recognize inquiries on my credit report, I did not authorize any inquiries. 

XXXX XXXX XXXX CAPITAL ONE XXXX XXXX CAPITAL ONE XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-29 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name XXXX # XXXX Account Name XXXX XXXX XXXX  # XXXX Account Name XXXX XXXX XXXX XXXX Account Name U S Dept of EDXXXX XXXX XXXX XXXX Dept of EDXXXX XXXX XXXX have 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that 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 2022-09-29 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name XXXX # XXXX Account Name XXXX XXXX XXXX # XXXX Account Name XXXX XXXX XXXX XXXX Account Name U S Dept of EDXXXX XXXX XXXX XXXX Dept of EDXXXX XXXX XXXX have 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
NOTICE OF COMPLAINT To : Transunion Consumer Fraud Division XXXX XXXX XXXX XXXX, GA XXXX Take due notice that this letter is a formal written complaint is a demand for the following items on my credit report to be Removed immediately as they are in violation of 15 U.S.C 1681 ( b ), whereas the following unauthorized inquires are indeed inaccurate and did not obtain my oral or written permission to report such unauthorized inquires and has done so by way of FRAUD! Each unauthorize inquiry calculates up to {$1000.00}.

15 U.S.C 1681 ( b ) PERMISSIBLE PURPOSE OF CONSUMER CREDIT ( 2 ) ( A ) ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person. 
( B ) ( ii ) the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person. 

UNAUTHORIZED INQUIRES CREDITOR DATE FEES XXXX  XXXX XX/XX/2022 {$1000.00} XXXX  XXXX XX/XX/2022 {$1000.00XXXX XXXX XXXX XXXX XX/XX/2022 {$1000.00} XXXX XXXX XXXX XX/XX/2022 {$1000.00} XXXX  XXXX XX/XX/2022 {$1000.00} Total {$5000.00} In result of these unauthorized inquires, complainant shall be entitled to the calculation of {$5000.00} in remedy for fraudulent reporting of each inquiry on said credit report as it has caused an effect to my credit score.

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 2022-09-29 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX was transferred on XX/XX/XXXX to XXXX in the amount of {$8000.00}. 
On XX/XX/XXXX I paid XXXX {$4000.00} and the remaining balance of {$4000.00} on XXXX. 
To date the {$8000.00} is still reflected on my credit report as being owed to XXXX. I spoke to XXXX XXXX several times with the latest being on XX/XX/XXXX and was advised that once XXXX reports that the balance will fall off my report. However, I last spoke to XXXX on XX/XX/XXXX and was advised that them reporting would have no impact on the XXXX  XXXX balance. 

I have also disputed this balance 3 times as wrote to XXXX and every time they send back that the balance is correct with documentation that shows that I owe {$0.00} on my prior loans with them. The credit bureaus stated there is nothing they can do because the investigation and findings are from the company I am disputing and that the company does not have to show proof to the credit Bureau. 

I am stuck between these companies and need help resolving.

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 2022-09-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ocwen Financial Corporation
State: ID

Complaint narrative:
XXXX of 2022 I went through the process of requesting to remove PMI from my mortgage loan through the provided avenues that PHH outlined. To date, XX/XX/2022 they have yet to provide an appraisal to determine my PMI eligibility and continue to provide false promises of escalation to managers, lied about an appraiser being assigned to the account and refuse to provide any resources to speak to the PMI department. I paid a fee of {$150.00} for this service that was cashed on XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
I have submitted 2 disputes through my bank in XXXX and Paypal received those disputes on XXXX XXXX i immediately called to cancel the disputes on PayPals end and called my bank to have the disputed cancelled. I was advised that my bank needs to reach out to PayPal to have the disputes closed. When i called my bank they informed me the dispute was closed and that they have contacted PayPal that the matter was resolved. PayPal refuses to cancel the dispute on their end after me calling in with my bank to confirm closure, me sending in emails to provide proof the dispute was cancelled on the banks end and also me speaking to multiple supervisors to have this matter " escalated ''. When asked when the escalations were done I was advised on XX/XX/XXXX and XXXX. The agent informed me that the " backoffice '' team did not respond to them and will not close the case until XX/XX/XXXX. I have done EVERYTHING PayPal has asked and they are sitting on the information that was received months ago until the last day. I was also advised that the " backoffice '' team did not begin investigation in this matter until a few weeks ago. This case has been open for months and they have refused to handle this matter in a speedy amount of time regardless of my request. Also they refuse to close my account since the disputes remain open. I have asked countless times to close my Paypal account per my wishes and have been informed until Paypal decides to close the dispute they will not close my account. I want my resolution to this matter resolved immediately and also my account closed immediately as is my right!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
I have had log money in my account and they over charge me and took my money and I just said not banking with them no more that dont make no sense

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 2022-09-29 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I was sent an email XXXX and they had a ton of accredited attachments below like ( XXXX  ) they had even sent me documents for this loan which is 2000 $ I talked to them on the phone XXXX ( XXXX ) XXXX everything was fine till I signed it sent them my information and etc. They now wont answer my email or calls and they texted me I told them I needed confirmation on this being a real loan company they said to contact my lawyer.

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