vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-22 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: CITIBANK, N.A.
State: NY

Complaint narrative:
Dear Sir/Madam, Attached, please find the letter I sent to Citibank on XX/XX/2021, requesting for them to reimburse me for the loss of XXXX XXXX ( {$2500.00} ) in funds that were withdrawn from my savings/checking account without my authorization. 

Today as I write this letter, it is over two months ( 2 months ) since the funds were removed from my account and over one month ( 1-month ) since I requested to obtain all copies of the information used in their investigation. I am entitled to receive this information by law. Attached, please find a screenshot of half a page of a XXXX Investigation Commentary, which I will abbreviate as ( XXXX ). I also contacted XXXX and informed them of the fraudulent activity on my account. 

In reviewing this XXXX, it appears to me that : Citibank did not conduct a thorough investigation based on the half-page XXXX document that was provided. Indeed a thorough investigation would include things like other disputed transactions involving Citibank customers, XXXX, and the name of the " receiving bank. '' I am asking that Citibank look into that connection. 


Despite apparent authorization ( as they contend ), the transactions are unusual and out of character for my account, which has been at Citibank for thirty-nine ( 39 ) years. Therefore these transactions should have been flagged by Citibank as suspicious. 

Citibank does not identify the receiving bank. Why? This lack of disclosure indicates to me some bad faith effort on their part. 

If Citibank has records of multiple disputed transactions with other customers involving the receiving bank, they should have known there was a pattern of fraudulent transactions with that bank. 

Citibank has a fiduciary duty to protect its customers from fraudulent transactions. If they have pre-existing knowledge of problems with transfers to this existing bank, this will make them liable for failing to take steps to protect me and prevent this fraud. 

When I filed my claim with Citibank on XX/XX/2021, I also submitted a police report. Citibank states that they stand ready to provide full cooperation to law enforcement officials in any pending investigation. If this statement is sincere, they should be willing to give a list of all disputed transactions involving the receiving bank. 

I want to reiterate that Citibank states they are sensitive to my situation. If they are sensitive to my victimization, they should treat me as a valued customer and share all information gathered in their investigation. Failure to provide all information indicates that Citibank simply and arbitrarily is denying my claim for a refund. Meanwhile, their unwillingness to do so continues to inflict on me significant financial hardship and tremendous stress.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 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: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
After viewing my most recent credit report I notice that there is late payments, which I'd like to get removed as soon as possible. According to my research the federal law 15 USC 1605 ( a ) a finance charge is a " sum of all charges '' payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit so there should have no late payments in my credit report. In addition, the amended law Fair Credit Reporting Act ( 15 U.S.C. 1681s2 ( a ) ( 1 ) SEC. 4021. CREDIT PROTECTION DURING COVID19. States that you shall report the account as current the program regulations states that no late payments are to be reported to the financial credit bureau during the time of Covid forbearance period.

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 2021-04-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I have a XXXXusd amount here as my savings. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Monterey Financial Services LLC
State: NC

Complaint narrative:
Monterey financial loan issue on XX/XX/2021 XXXX XXXX XXXX XXXX contacted me. I was told that I was approved for a loan without knowing how much the loan was for. 
I tried to contact agent and loan company to stop any miscommunication pertaining to a loan that I didn't sign for. 
I do not want a school loan ... especially from any school that engages in deceptive, high pressured, manipulative tactics to recruit students in this way.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: TradeStation Group, Inc.

Complaint narrative:
My name is XXXX XXXX XXXX and I have been the victim of a phishing scam. 
I wanted to transfer money from my TRADESTATION broker account with TRADESTATION BUILDING XXXX XXXX XXXX XXXX, XXXX, FL, ZIP XXXX and XXXX XXXX account to open another account at XXXX XXXX in XXXX. 
The problem came because the criminal impersonated the identity of an XXXX XXXX sales agent and I made two transfers ( below and in the attached document I indicate dates and amounts ). At no point did I suspect because I have done this several times this, and everything seemed normal. 
First he told me to make a transfer to an intermediary bank whose details are : XXXX XXXX XXXX XXXX XXXX., MAIL XXXX XXXX XXXX XXXX XXXX, NEW YORK. XXXX - XXXX XXXX 
Then the money would go to an account in XXXX. The data of this entity are : XXXX XXXX XXXX XXXX XXXX. 

In any case, the money had to go through XXXX XXXX XXXX XXXX XXXX before reaching XXXX ( I'm not sure about this ). 

In my opinion, TradeStation should have correctly verified the details before confirming the transfer, as my name does not appear on the destination account. Nor did the name of any other person or entity appear in this destination account, only the initials XXXX XXXX as the owner and beneficiary of the money. Of course, I also take my share of responsibility for not being more vigilant. However, if TradeStation had been more diligent with the transfer, none of this would have happened. 

The transfers made and the dates are as follows : First transfer : Date : XX/XX/2021 XXXX : XXXX XXXX. 
Transfer method : Wire Transfer Origin Entity : TRADESTATION SECURITIES Destination entity : XXXX XXXX destination entity : XXXX XXXX XXXX XXXX : XXXX XXXX transfer : Date : XX/XX/2021 Amount : XXXX XXXX. 
Transfer method : Wire Transfer Origin Entity : TRADESTATION SECURITIES Intermediary bank : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX Account number at the intermediary bank : XXXX Account Title : XXXX XXXX Destination entity : XXXX XXXX destination entity : XXXX XXXX XXXX XXXX : XXXX  I attach screenshots of the transfers made and also of some emails where the bank details appear.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Netspend Corporation
State: SC

Complaint narrative:
My income tax stimulus payment was apply to my account through the IRS, and suddenly my account was frozen, without any warning, I never before had any problems with my card, I couldn't even call them to ask why? But I had another account with them with a debit card, only then I was able to get through and when I asked them why I couldn't withdraw my money, they replied that they couldn't discuss that with me, and that they will send me the {$2300.00}. that is in my account, but I don't believe them, please help me with this problem.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 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:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX XXXX- Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
7. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 9. EQUIFAX MTG on XX/XX/XXXX ( Reported Identity Theft ) 10. EQUIFAX MORTGAGE SERVI on XX/XX/XXXX ( Reported Identity Theft ) 11. EMS on XX/XX/XXXX ( Reported Identity Theft ) 12. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
On XX/XX/2021 I attempted to log into my PayPal account because my bill was due. Having issues I called to get help. After I was able to successfully reset my account, I logged in and noticed that my account balance was higher than it should have been. I immediately called costumer service again to report the fraud. I was later emailed that my fraud request was denied because the charges were " not unauthorized '' even though they were. I filed a report with IC3.gov giving my information because the local police department didn't help. I also called PayPal again to try to get an explanation ; no help. 

These are the dates and charges that I am disputing : XX/XX/2021 - a payment to " XXXX '' for {$500.00} XX/XX/2021 - a payment to " XXXX XXXX '' for {$200.00} XX/XX/2021 - a payment to " XXXX XXXX '' for {$50.00} XX/XX/2021 - a payment to " XXXX XXXX '' for {$10.00} XX/XX/2021 - a payment to " XXXX XXXX '' for {$30.00} XX/XX/2021 - a payment to " XXXX XXXX '' for {$500.00} XX/XX/2021 - a payment to " XXXX XXXX '' for {$240.00} XX/XX/2021 - a purchase from XXXX in the amount of {$340.00} None of these payments or charges are mine as I do not know a XXXX or XXXX XXXX ; I also thought my account was locked when I made the original claim on XX/XX/2021 but PayPal did not lock the account as requested as the obvious payments that took place after.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-22 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: PA

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/XXXX I called Capital One and discussed the situation with XXXX XXXX not opening on time and a Capital One representative and they said to cancel my trip and they credited my card for {$5300.00}. Subsequently, they recharged my card 4 times during the dispute process. On XX/XX/XXXX my card was rebilled for {$5300.00}. I never would have canceled my trip had Capital One not assured me that I would receive a full refund. 

Capital One has lied to me. I will personally pay a visit to XXXX XXXX and get this settled one way or another.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC
State: IL

Complaint narrative:
I had went to TitleMax in Illinois to get a title loan and I had brought them everything that they had asked for I was on unemployment at the time and my unemployment had ended well the GM at the Illinois store had seen that I had no income and I would have been fine with them telling me that I was not approved for the loan but she went about it her own way and head not told me what the interest rates were not told me how much the payments were going to be nor told me what the payoff would be after it was all said and done well 30 minutes after I left the business I called to the loan company TitleMax and had told them that I did not want the loan after I looked over paperwork online and she refused it and told me that I can not bring check back up there that she will not accept it and had made the remark by the way I love repoing vehicles I have contacted the company numerous of times and try to settle out with them and they won't accept the offer I feel like they took advantage of me knowing I did not have no income nor any way to pay my loan off and when I try to return the check they gave me they refused it I feel like they should be held accountable for all the illegal actions they took as in refusing to verify my income refusing to accept the payment back 30 minutes after I left the store refusing to settling out with me and charging me 134 % interest rate once again knowing I do not have the income to pay it back and I would have been fine with him telling me I'm sorry ma'am but you are not approved but instead they took advantage of me what legal actions can I do to hold them accountable for their actions

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 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: EdFinancial Services
State: VA

Complaint narrative:
I was admitted by XXXX XXXX ( XXXX XXXX XXXX ). I am still studying in XXXX XXXX ( Arizona State UniversityXXXX XXXX ( next the White House and the XXXX XXXX in XXXX DC as first XXXX American veteran ), President Joe Biden ordered DOE and Edfinance not to include student loan in credit report due to COVID pandemic situation. 

President Biden, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX plan for canceling XXXX dollars through executive order or legislation. 

Edfinance company and DOE should stop posting student loan in my credit report without my consent. As a single parent with XXXX kids, I try to buy a home in rural area, student loan information in credit report should be removed to apply FHA loan, VA loan and USDA loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 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:
I demand the deletion of the fraudulent inquiries and public record listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX  on XX/XX/XXXX XXXX Reported Identity Theft ) 2. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 4. DEPT OF ED on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 6. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft ) THE UNVERIFIED AND INCORRECT PUBLIC RECORD ITEMS BELOW SHOULD BE DELETED : 1. Chapter XXXX Bankruptcy Discharged. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Consumer Financial Protection Bureau XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, Ohio XXXX RE : ADVERSE EQUIFAX REPORTING / NO RESPONSE To Whom It May Concern ; Please find the following issues/complaints regarding Equifax Credit. After multiple attempts to contact Equifax with loss of time and resources to modify records still they are not responsible? 

Please find the following disputes and clarifications to my credit report as of XX/XX/XXXX. 
Addressess on Report ; 1. Name reported on the account is wrong. Correct name on account should be XXXX XXXX XXXX. 
2. Mailing and residence addresses ; I have never had a or had possession of ; XXXX XXXX XXXX, XXXX, OH XXXX mailing address. 
XXXX XXXX XXXX, XXXX, OH XXXX is incorrect and was a rental property. Never received any mail at that address. 
Phone Numbers on Report ; 1. All phone numbers listed are incorrect or old accounts that have been changed since inception. 
Incorrect Adverse Account Information ; 1. XXXX XXXX XXXX A # XXXX Automobile Loan PAID IN FULL, >Maximum Delinquency of 60 days in XX/XX/XXXX for {$260.00} 2. XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Paid by insurance, never received billing for minimal {$93.00}. Mis-reported/double billing, 3. XXXX XXXX # XXXX, Date Opened : XX/XX/XXXX, Divorce/Filing XXXX XXXX Card Used without approval, card not in my possession. 
4. XXXX DEPARTMENT STORE # XXXX >Maximum Delinquency of 120 days in XX/XX/XXXX .Divorce/Filing XXXX XXXX Card Used without approval, card not in my possession. 
5. XXXX XXXX XXXX XXXX # XXXX 'Date Opened : XX/XX/XXXX ; Divorce/Filing XXXX XXXX Card Used without approval, card not in my possession. 

The above reports are in error for the obvious reasons, Please review, adjust, delete or amend accounts from my report. Thank You for your time in this matter. 
XXXX XXXX XXXX EQUIFAX Online Delivery Unavailable

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 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: U.S. BANCORP
State: NY

Complaint narrative:
I owed U.S. Bank National Association D/B/A Elan Financial Services {$10000.00}. Three years ago I tried to settle with them, but was unsuccessful in reaching them. In XXXX of 2021, through XXXX XXXX XXXX, U.S. Bank National Association D/B/A Elan Financial Services and I entered into a settlement agreement for a one time payment of {$8700.00} to satisfy and settle the account. However, they have not held up there end of the settlement and have reported a balance owing on my credit report for {$2100.00}. I have tried to call them and they bounced me from person to person 4 times and was then on hold for a very long time so I left a call back number, but they did not return my call. I would like them to honor the settlement agreement and remove the balance they say I still owe them on my credit report.

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 2021-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Navy Federal received a non legal document from the NYS child support corporation stating that I have a judgement against me. I have written the NYS corporate and asked for proof of this debt or undertaking or signed judgment from an administrator. They have failed to provide me with that proof. I called the NYS corporation and asked is there a debt owed to the state of New York and they said no, that I dont owe the state any money for child support in fact I dont have a child that lives in that state of New York. I have asked Navy Federal to please send me a warrant or a signed judgment from a competent court house or administrator or judge to prove there is a debt. The document they received has no state seal or judges signature to seize my assets. Federal law is clear on the facts about child support. Navy Federal has closed my account and has taken my money, based on nothing but a piece of paper thats not a legal document.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation