vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
NOTE- '' What type of problem? or " What best describes your problem ''? do not contain the reason for my problem, which is related to my private and personal information. We suggest to include other choices such as " Private Information '' or " Other Problem ''. 


What Happened : On XX/XX/2019 ( Attachment 1 ), we wrote to MsXXXX XXXX XXXX, Citibank CEO-NA, requesting to delete from Citibank records all the information we provided with applications we submitted for a savings and checking accounts. We were never informed of the decision made about our applications and, therefore, had opened a savings account in another bank. 


As the reply from XXXX XXXX of XX/XX/2019 ( Attachment 2 ) did not address our request to delete all our information from Citibank records, and on XX/XX/2019 ( Attachment 3 ) we requested again the removal of our information from their records. On XX/XX/2019 ( Attachment 4 ) we received a reply stating that the information we provided Quote was supplied voluntarily by you to open Citibank Online Savings account and can not be removed. Unquote. We agree that we provided voluntarily the information required to complete the applications to get a savings account. However, the full property of this information is ours and, therefore, it is our prerogative to decide how to dispose of it in line with the legal provisions governing the ownership of personal and private information. 


In view of the above, we are herewith submitting a complaint against Citibank for refusing to comply with our request to delete from their records all our information we provided in applications for savings/checking accounts. In line with the provisions of the CFPB concerning Consumer Protection, which include the right and prerogative of the consumers to protect their information and dispose of it as they see fit, we expect that CFPB will compel Citibank to comply fully with our request. 

Contact in Citibank : XXXX ( CEO CitiBank N.A. )

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 2020-01-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am giving you one warning, because i will SUE. Remove an alias ( old last name ) off of this report.i want it off now, ive told you several times on the phone you are all LIARS telling me you took it off. im suing you and transunion, because i asked you to take it off due to a stalking incident and instead you left it on there and i have been located. if anything happens, you and transunion will be held accountable.i will be contacting a lawyer if i see my old alias still there. i am serious. 

the old last name needs to be taken off!!!! 
old last name : XXXX. 
no longer my last name!!!! 

a correct alias will be XXXX now that i have REMARRIED

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 2020-01-17 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Sky Group USA, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX Sky Cash USA was sent revocation of Ach and Power of Attorney on my behalf by XXXX XXXX XXXX. They have ignored this request taking {$90.00} out of my account on XX/XX/XXXX a day early. Payment was not suppose to be taken until XX/XX/XXXX. Sky Cash then took a payment out of my account again on XX/XX/XXXX, I had luckily paid {$32.00} to my bank for a stop payment. Hopefully that payment will be returned to me. I am already making payments to XXXX XXXX XXXX in an effort to pay this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc.
State: FL

Complaint narrative:
I start a process of loan modification, in XX/XX/2019 I went to the mediation the lawyer from Caliber denied the modification alleging that my income was to low, but they didn't want to use my income from my main job ( XXXX XXXX ) in this job I get XXXX per year if they don't use this income it's the best excuse to denied a modification. My feeling is that they are discriminating. I work very hard I have three jobs XXXX XXXX, XXXX XXXX  XXXX XXXX and small own business XXXX XXXX, beside my sons work and support me financially, we present all this information and documents to Caliber ( income tax returns, banks statement, payroll, letter of employed, etc. ) but they are acting very unfair. We are desperate they don't care about the people, We been sending to the trustee during one year {$1500.00} We are not living for free and we need to keep the house XXXX is very expensive and they probably want to pull me out just because I'm XXXX and not rich XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: AVANTE
State: FL

Complaint narrative:
THIS IS MY THIRD TIME CONTACTING XXXX ABOUT THIS COMPANY REPORT ERRONEOUS INFORMATION ON MY CREDIT REPORT! I will be working with my attorney to make sure that AVANTE USA Will cease these deceptive strategies. This company AVANTE USA is reporting NEGATIVE and INVALID information on my credit report and is severely affecting my credit score. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS and MY HIPPA RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service. 2. What services I am being charged for. 3. What the cost of each service I am being charged for. Furthermore, AVANTE USA did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX SSN : XXXX XXXX XXXX : XX/XX/1994

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: AVANTE
State: FL

Complaint narrative:
THIS IS MY THIRD TIME CONTACTING XXXX  ABOUT THIS COMPANY REPORT ERRONEOUS INFORMATION ON MY CREDIT REPORT! I will be working with my attorney to make sure that AVANTE USA Will cease these deceptive strategies. This company AVANTE USA is reporting NEGATIVE and INVALID information on my credit report and is severely affecting my credit scorXXXX. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS and MY HIPPA RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service. 2. What services I am being charged for. 3. What the cost of each service I am being charged for. Furthermore, AVANTE USA did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX SSN : XXXX XXXX XXXX : XX/XX/1994

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
My loan number with Honda financial services is XXXX social security number is XXXX XXXX XXXX is my name my date of birth is XX/XX/XXXX. I have 9 payment s remaining and my balance is XXXX I told Honda customer service that I'll be late for the XXXX payment and ask them if they can change my due date or get me an extension. Their refuse to grant Ethier one or other. I've been a good customer and my loan is almost pay off. Can you please ask them to help me in good faith thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: WA

Complaint narrative:
I received a letter on XX/XX/2020 from I.C. System, Inc claiming to collect a debt of {$67.00} from XXXX XXXX XXXX that does not exist. I have contacted XXXX XXXX XXXX and they have confirmed that a XXXX  balance exists. I would like I.C. System to stop harassing me over a debt that does not exist.

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 2020-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
My account had a balance of {$650.00} after a transfer on XX/XX/XXXX at XXXX XXXX. Later the same afternoon I received a push notification on my cell phone about two unauthorized transactions : 1 ) XXXX XXXX XXXX XXXX, MA ) - initiated on Wednesday, XX/XX/2020 at XXXX XXXX  - Amount : {$130.00} 2 ) XXXX XXXX ( XXXX, IA ) - initiated on Wednesday, XX/XX/2020 at XXXX XXXX  - Amount {$130.00} Both transactions are listed as Cash Card transactions ( card ending in XXXX ). The cash card has been in my possession the entire time so I do not understand how it was used for transactions in two different U.S. states within minutes of one another. I do not know or recognize these vendors. I did not initiate these transactions. I have since disconnected the card associated with this account. There have been a number of declined attempts to use the card even after I disabled the physical cashcard that was connected to the account ( unauthorized attempts from XXXX in XXXX, NY XXXX XXXX XXXX XXXX XXXX in XXXX, WI XXXX. My cashcard has been compromised and my funds were stolen. I thankfully was able to cash out my remaining balance of {$370.00} and disable the card before the most recent attempts went through. 

I am asking to be refunded {$270.00} for both unauthorized and counterfeit transactions that I did not initiate and was not aware of. 

Cash App has not been helpful. I have provided all of the information I was asked for and have not received any confirmation that my funds will be refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Hello, I was advised to reach out to you all regarding some items on my credit that are not mine. This has become very frustrating to get this handled. This is my second time going dealing with someone using my identity. I was informed a couple of months ago of a car that I did not purchase that was registered to me and was involved in a police chase. This has become ridiculous at this point. I have attached a copy of the police report and FTC complaint

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc.
State: GA

Complaint narrative:
I made several attempts to clear up this matter, every time I think its cleared up, its gets passed to another collection agency, who in turns reports it as a new account with incorrect dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17 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: GA

Complaint narrative:
Hello, I was advised to reach out to you all regarding some items on my credit that are not mine. This has become very frustrating to get this handled. This is my second time going dealing with someone using my identity. I was informed a couple of months ago of a car that I did not purchase that was registered to me and was involved in a police chase. This has become ridiculous at this point. I have attached a copy of the police report and FTC complaint

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 2020-01-17 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Hello, I was advised to reach out to you all regarding some items on my credit that are not mine. This has become very frustrating to get this handled. This is my second time going dealing with someone using my identity. I was informed a couple of months ago of a car that I did not purchase that was registered to me and was involved in a police chase. This has become ridiculous at this point. I have attached a copy of the police report and FTC complaint

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 2020-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
On XX/XX/20 I tried to access my Transunion online account to unlock a credit freeze. It said it couldn't find my account so I created a new account and it asked for my credit card for some reason. I didn't realize that it was signing me up for a credit monitoring service. 

All I wanted to do was unfreeze my credit, but instead I was auto-billed for a subscription service. There was no mention on the website that that was what it was going to do with my credit card information. 

I was able to cancel the subscription on their website, but there isn't a way to remove my credit card information or get my {$24.00} refunded.

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 2020-01-17 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1.  XXXX/XXXX with ACCT # XXXX opened on XX/XX/2019 with a credit limit of {$3000.00} -This is not my 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 non-monetary relief
Consumer complaint received 2020-01-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX with ACCT # XXXX opened onXX/XX/2019 with a credit limit of {$3000.00} -This is not my 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 explanation
Consumer complaint received 2020-01-17 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: EQUIFAX, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C.  1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1.  XXXX/XXXX with ACCT # XXXX opened on XX/XX/2019 with a credit limit of {$3000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
On XX/XX/XXXX I got a call from Someone from the financial review team of American express. He told me that my card is will be out under financial review due to an additional cardholder laying a XXXX with my credit card account. I was stunned I immediately shut down my additional cardholder due to the lack of responsibility. 
The representative informed me that my account was put on hold and I had till XX/XX/XXXX to submit my documentation. He sent me a link to upload my documents. On XX/XX/XXXX I tried to submit my documentation through the link but it wasn't working. I called American Express and spoke to someone in the same department and she informed me that my account wasn't under financial review and I was good to go, no further action was required. I even made a purchase on XX/XX/XXXX contradictory to what the representative told me that my account was on hold and I wasn't able to purchase anything. I randomly logged into my account on XX/XX/XXXX and I see that my account is suspended and contrary to what the agent told me on XX/XX/XXXX my account was still under financial review. I was frantic and called American express demanding an explanation for this confusion. I spoke to a senior analyst and she told me that this was a mistake on the representative 's behalf and you are still under review. This was a clear misguidance of the financial review team causing me great grief and confusion. ( I ended up staying a long period of time on the phone calling my financial institution since I was traveling and was unable to send the documentation properly ) The agent ended up slashing my credit to ridicules amount and when I told what could you do for me regarding this whole mess your team financial review caused me. She responded nothing she could only apologize. I also spoke to a supervisor and he also told me he is unwilling to help me. American express clearly misguided me through this whole procedure it unethical to give false information to a customer. I have been an immaculate customer for almost 13 years, unfortunately, this is how American express treats its customers. My friend made a mistake and I paid the price because of their policy. Well, the first policy should be not to give false information to customers. Especially in a case so sensitive. It's now time to step up to pay the price to satisfy their customer. It's a 2-way relationship. I could give probably prepared myself better had this not happened.

Company response to consumer: Closed with explanation