vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
On XX/XX/year>, I transferred {$26000.00} to my savings account at Citibank. Following a prolonged and arduous ordeal with Citibank, they opted to close my accounts, citing business activity in personal accounts as the reason. However, they have chosen to segregate the funds transferred from XXXX in XXXX into a subledger. They have instructed me to contact XXXX to initiate a hold harmless claim against Citibank to retrieve my funds back to my XXXX account. Currently, I've asked XXXX to initiate a hold harmless claim on my behalf for {$24000.00}, or alternatively, to provide guidance on the subsequent steps. This issue has persisted since XXXX. The entire ordeal of account closure and fund release has been incredibly troublesome, and now Citibank refuses to issue a check for the remaining funds. They have no justification for withholding my funds without cause. This process has been draining and burdensome. I'm considering whether I should hire a lawyer to pursue legal action against Citibank. They have no grounds to retain my funds unjustly. It's not my responsibility that their compliance department lacks understanding of proper investigation protocols and fails to accurately assess risk. Moreover, Citibank shouldn't detain clients ' funds due to the incompetence of its employees during an investigation. With two decades of experience in banking, particularly in compliance, I assert that Citibank has no grounds to withhold my funds for five months.

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 2024-05-20 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: Incomm Holdings Inc.
State: TX

Complaint narrative:
I purchased a Vanilla Visa Gift card in XXXX with {$400.00} of funds on it from a XXXX XXXX grocery store, which was then mailed via USPS to a recipient as a gift. The recipient never received the parcel via mail, and on XX/XX/XXXX, I immediately reported the gift card as missing to Vanilla Visa Gift Card customer services. Per their automated message, website and FAQs, if a gift card is lost or stolen they will void the lost card in order to preserve the funds and provide a replacement to ensure the funds are not stolen. I've had about 7 phone calls with the team, where I've sent my receipts, license and proof of address to the client services email ( and received confirmation of receipt of email ) at least 5 times, however, each time I call Vanilla Visa, their team claims that they haven't received the documents, can not access the email that I send the docs too ( as it is managed by a middle office team that they claim to not have contact with ) and keep closing my case. I was also told that the case would be resolved in no more than 30 days, and it is now over a month since I reported my card missing and the team has not addressed my case, nor have they followed up with me once to provide a status update.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
There was multiple accounts in my name with Navy federal that I did not open that was fraudulent. The total balance for all the accounts was {$4000.00}. I noticed this on my credit report and every time. that I disputed with Navy federal they want to take so long getting the job done that they reported back to the Credit borough of being in mines so they can have more time with it because the three credit Credit Bureau Only allow 30 days and they dont allow any more time which is fine with the company Navy federal they taking longer to do the investigation and reporting back to the creditors that the account is mine because it need more time. I just want this removed off of me, mess up and things like that.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Paramount GR Holdings, LLC
State: TX

Complaint narrative:
In XX/XX/year> I was solicited at my home by a XXXX / XXXX salesman, whose job was to sell solar panels. I was initially denied for financing of solar panels, and I was fine with that. The sale agent persistently tried to obtain financing for me, and not at my request. 

The XXXX / XXXX salesman specifically told me that if I was approved for solar panels, not only would my energy bills be reduced considerably, and in addition, that I would in fact receive a rebate check in the amount of {$10000.00} from the company. The salesman said that once I received those funds, I should apply them to the loan balance, thereby reducing the payments and loan balance. 

Two years later, and after the salesperson went to great lengths to sell me the panels and get me approved for financing, the following has happened : - I have received XXXX dollars in the form of a rebate from anyone - My energy bills went through the roof last year - My solar bill payment has increased and I am struggling to pay the bill I believe that I was misled by untoward sales practices and now I have lien against my homestead that I am having much difficulty paying. 

I never would have agreed to the solar panel installation if I had not been promised a {$10000.00} rebate in the form of a check which could've been applied to the loan. 

I believe that I have been lied to and I am seeking resolution either in the form of removal of the solar panels and cancellation of the debt, as the sales practices were deceptive, or a complete restructure of the loan to make it more affordable. 

The solar panels were dishonestly sold to me by XXXX / XXXX and are now being financed by a company called GOODLEAP.

I want the solar panels removed and the Goodleap debt canceled, and the lien removed from my property.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Consumers placed a hard inquiry on my credit and now it's keeping me from purchasing anything has it like a derogatory comment but I never purchased anything from the company to have anything reported negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ). Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/XXXX, I became aware that approximately {$6300.00} was charged to my credit card account between XX/XX/XXXX and XX/XX/XXXX when I went online to make a payment on my Citi Flex Loan as I had not used the credit card in several months. I immediately contacted Citibank. I confirmed that none of these charges were authorized by me. I also confirmed I was always in possession of my card and had not authorized anyone else to use it. I was told they would open an investigation. Even after canceling my card, I noticed charges from XXXX. I called Citibank again and was told that I had to call XXXX to remove the card from their app, which I did. Those charges have since been credited. 
I received a letter dated XX/XX/XXXX stating that the investigation and dispute were closed. I called back to reopen the dispute. I then received an email from Citibank dated XX/XX/XXXX that they had heard back from a merchant asking me to confirm whether or not a transaction was authorized. It was a food and beverage charge in the amount of {$25.00} XXXX at the XXXX XXXX XXXX XXXX. I responded via email on XXXX XXXX. The receipt provided shows that it was charged to room XXXX with arrival date of XX/XX/XXXX through XX/XX/XXXX. The signature is clearly not mine. This charge was credited. I was also credited {$85.00} on XX/XX/XXXX, which I am guessing is the charge for that XXXX night. Then, he must have checked in again on XX/XX/XXXX through XX/XX/XXXX and there is a charge of {$390.00} which was not credited. On this same email, I included an Incident from the XXXX Police Department regarding a deceased person found at the XXXX XXXX XXXX. The case was still being investigated so they couldnt provide any further information at that time. I didnt hear anything further, so I sent an email to the attention of XXXX XXXX XXXX XXXX XXXX and XXXX. I included the above information/attachments as well as the incident number ( XXXX ) for the police report I filed with the XXXX XXXXXXXX Police Department . I received a phone call on XX/XX/XXXX from the XXXX office at Citibank ( phone number ( XXXX ). They were going to send the dispute back to the investigative team. On XX/XX/XXXX, I received a phone call from the same number stating that there wasnt anything further they could do for me. I asked to speak to the investigative team and was told that was not possible. To date, they have credited {$1400.00} but there are still outstanding charges of {$4800.00} plus interest and fees

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 2024-05-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA
State: TX

Complaint narrative:
HYUNDAI motor finance is inaccurately reporting a charge off on my account. Hyundai did not provide me with notice that the account would be charged off. Hyundai was submitting electronic documents to the HYUNDAI motor finance portal that I no longer had access to due to them limiting my portal access when the vehicle was stolen and paid by insurance. I have sent several emails to the VP of Hyundai as well as calling customer service and disputing with the credit reporting agencies. Hyundai did not give me sufficient notice that this account was going to be charged off thus lowering my credit due to their error. They have not tried to resolve this issue.

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 2024-05-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
As of XX/XX/XXXX all three of my credit reports are reflecting an open/past due account with Midland credit managemen. It states that this account was opened on XX/XX/XXXX and the account balance was updated on XX/XX/XXXX. 0 % has been paid to date. The total past due amount reflects {$750.00}. Ive researched said company with XXXX and it shows NO matches for this collection company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NH

Complaint narrative:
I am writing to formally dispute the reappearance of an item that was previously deleted from my credit report. The item in question pertains to XXXX XXXX accounts # XXXX and # XXXX This item was deleted from my credit report on XX/XX/year> after a successful dispute. However, upon reviewing my recent credit report dated XX/XX/year>, I have noticed that the item has been reinserted. 

As per the Fair Credit Reporting Act ( FCRA ), specifically under Section 611, the credit bureau is required to notify the consumer within five business days of re-reporting a previously deleted item. I have not received any notification regarding the reinsertion of this item. Therefore, I am requesting the immediate re-deletion of this item from my credit report. 

For your reference, I have included copies of the following documents : XXXX. The response letter from XXXX confirming the deletion of the items dated XX/XX/year> XXXX. The response letter from XXXX XXXX  confirming the deletion of the items dated XX/XX/year> XXXX. A copy of my recent credit report showing the reinserted item dated XX/XX/year> Please conduct a thorough investigation and provide written confirmation of the actions taken regarding this dispute. Additionally, I request that you provide a copy of my updated credit report reflecting the removal of this incorrect information. 

I appreciate your prompt attention to this matter and look forward to your response. 

Sincerely,

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 2024-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA
State: TX

Complaint narrative:
I request that Hyundai investigates my case and removes incorrect information that was noted on my credit scores. Hyundai claims that my payments were not made on time and the account was noted as a loss with a " Chargeoff '' and " Repossession '' - all my payments were made ahead of schedule as shown in documentation provided and statements issued by Hyundai that show no outstanding balance or late fees. In fact, Hyundai just issued me a refund on XXXX for the sell of the car which shows that my account was not at a loss. Also, on calls with XXXX from the Hyundai 's XXXX Department, she confirmed that Hyundai issued repossession due to internal paperwork ; not because I defaulted on my account. Hyundai was aware of the ongoing issues with the party at fault not responding to damages of my totaled car and was aware of the separate lawsuit that was filed. While the lawsuit with the party at fault was ongoing, Hyundai asked to pick up the totaled car from storage to auction it off and the sale price would be credited to my account- the agreement was for Hyundai to pick up the car and I would continue to make my payments so that Hyundai would not report anything to the credit bureaus ( as noted in total loss statement from Hyundai and provided in documentation ). I did not default on this promise and HyundaXXXX has not kept their word and instead issued negative derogatory marks on my credit scores. XXXX from Hyundai has not responded in writing to my XX/XX/16 email ( email provided in documentation ). Hyundai has misled me and has not held their end in following their due diligence. They need to own up to what they agreed to on phone calls and remove all negative derogatory marks on my credit scores.

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 2024-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am writing to file a formal complaint against XXXX regarding their failure to address multiple dispute letters I have submitted concerning inaccuracies in my credit report. Despite my repeated attempts to resolve these issues directly with XXXX, they have consistently ignored my correspondence and failed to correct the errors in my credit report. Details of the Dispute : XXXX XXXX XXXX Account number : XXXX, Clarify the payment status, comments, balance and account number as I think they are erroneous. If you can not prove any of the information mentioned in the past credit report data that I contested with, I demand this account be deleted from my credit report. 

XXXX : Account number : XXXX, I dont understand how you are continuously able to verify this account! I dont recall ever being associated with this company that is unknown to me. Remove this extremely damaging inaccurate information immediately from my credit report. 

XXXX XXXX : Account number : XXXX, I already demanded a proof of how you dealt with the information that you indicated in my credit report. Again, you can not prove any of the information mentioned in the past credit report data that I contested with, please remove them on my credit history. ". 

XXXX XXXX : Account number : XXXX, There's no way you can update an account that I have no recollection of ever belonging to me. You need to remove this inaccurate information immediately from my credit report. 

I respectfully request that the CFPB investigate this matter and take appropriate action to ensure that XXXX complies with the Fair Credit Reporting Act ( FCRA ) requirements. I am seeking the correction of the inaccuracies in my credit report and a formal acknowledgment from XXXX regarding the resolution of my 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 non-monetary relief
Consumer complaint received 2024-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I would like to dispute an inaccurate, untrue, incomplete, untimely, not compliant, and/or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report. While studying my report, I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, Metro 2 Format compliant or else wise compliant to every single one even each any and all of the regulations applicable laws and/or applicable standards of reporting of which you are undoubtedly mandated in your reporting obligation ( s ) to obey without default or deficiency of any sort.

The following challenged information is among such allegations of which each and one all require immediate deletion or removal from reporting otherwise. I demand rightfully that you do so today, even now and here! Below listed is the currently reported not yet proven valid nor demonstrated as being certifiably compliant reported allegation ( s ) of information that I mark as being in question.

Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Incorrect Name : - XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX Employer - XXXX XXXX XXXX Incorrect Name : - XXXX XXXX XXXX Incorrect DOB : - XXXX   Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged 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 Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.

Company response to consumer: Closed with non-monetary relief