vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I went to make a purchase using my debit card on XX/XX/XXXX, and it was declined even though I knew there was money in the account. Later that day, I tried making an ATM withdrawal to see if maybe it was the business ' terminal and was again declined. 
When I called CitiBank I was told a block was placed on my account and then it was determined to be frozen for closure. I asked why I was never notified or given a heads up and was repeatedly told " you will receive a letter in XXXX business days with an explanation of the decision. '' I have called several times since and spoken to the fraud team who said a special department is who placed the block and that they ( fraud team ) did not have access to any of the details regarding the matter. There is supposedly no direct line to that department either. When I called the main customer service line on approximately XX/XX/XXXX to file a formal complaint, the only thing they were able to tell me ( which was more than ANYONE had up to this point ) is that the case was closed on XX/XX/XXXX and suggested I give them XXXX more days for a letter to be received before calling again. 
When XX/XX/XXXX arrived and still no letter had been received, I called the fraud department again and demanded I speak to a supervisor after the agent told me that my account was " frozen for closure '' on XX/XX/XXXX. The agent said that talking to a supervisor was not going to result in more information or a different answer, and the supervisor confirmed that when he rudely spoke to me on the phone. 
I have now had no access to approximately {$1400.00} for a month... I am a XXXX  mother of XXXX XXXX  children, behind on bills, and barely make it getting paid twice a month. 
CitiBank continues to give me the run around and not providing any answers or solutions. The request was made by myself more than once to have my funds released and have been told " you will receive a letter and a check if anything is owed to you in XXXX days of closure. '' There are no physical, brick and mortar branches that I can go to and have this resolved or I would have already done that. I informed CitiBank that I would get a lawyer involved if I needed to, and again was told " you will receive a letter explaining the decision. ''

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 2022-10-08 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: MO

Complaint narrative:
I sent a letter on XX/XX/XXXX to XXXX credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Bankruptcy Reference # : XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Bankruptcy Reference XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy Reference XXXX XXXX XXXX ; U.S. Bankruptcy Court XXXX  XXXX Bankruptcy Reference XXXX : XXXX ; U.S. Bankruptcy Court XXXX XXXX Bankruptcy Reference # : XXXX XXXX Federal XXXX XXXX Bankruptcy Reference # : XXXX ; Federal XXXX XXXX Bankruptcy Reference # : XXXX ; Federal XXXX XXXX Bankruptcy Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX ; LA XXXX XXXX ; XXXX LA ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ;

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 2022-10-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/22, I deposited a check, in the amount of {$100000.00} at Chase Bank ( XXXX XXXX XXXX XXXX, XXXX, Florida XXXX ). The check was from XXXX XXXX XXXX XXXX regarding proceeds from the sale of a home. The check was accepted by the teller XXXX XXXX, XXXX # XXXX ). Subsequently, after reviewing my account, I discovered that the check for the full amount was placed on hold. I then checked my receipt, which included a notice on it stating that " Checks within this deposit may not be paid because of information received from the paying bank or due to information we have within our own systems. '' I reached out to Chase on XX/XX/22 and was transferred to their Fraud Department. I spoke to a representative who identified himself as XXXX. He informed me that they had suspected fraud, the check did not look real to them and that based upon my account history, I have never had any deposits that large in the past. He further stated that they will have to have to place the check on hold for 10 days, as they needed to verify that it is valid by taking it to XXXX XXXX in person to confirm that the issuing account had adequate funds to cover it. I informed him that I was aware that a large amount would not clear immediately, but that his explanation seemed irrational. I contacted XXXX XXXX XXXX XXXX and was informed that they did receive a call from XXXX after hours, but the caller did not leave a message. She explained that nothing was flagged in reference to the transaction nor were there any alerts received at their end. I have been a customer with XXXX for many years, including having mortgages and credit card accounts and have never had problems with my accounts regarding large or small deposits. Neither has there been any assigned late or overdraft fees. My current accounts can almost cover the prior mentioned deposit. 
I am respectfully requesting your assistance with resolving this matter and advising me of the outcome or how I may proceed. 
Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
during XXXX  I got very sick and needed help to pay my medical bills this is why I set up a paypal fundraiser. once I had received a few donations paypal did block my account. they stole the whole money! I was not able to get medical help because of this. they put me in a very bad situation and I did suffer a lot. in total the theft is {$3500.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-08 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: TX

Complaint narrative:
I am submitting this CFPB Complaint to follow up the recent CFPB Complaint I submitted to TransUnion Credit reporting Agency regarding the removal of the disputed fraudulent account from my Credit File. TransUnion is reporting a deleted information from the other Credit Bureaus and TransUnion has no rights to continue the reporting of the disputed account without proper verification. Under the Fair Credit Reporting Act, TransUnion is required to report accurate information only and have the disputed fraudulent accounts and information deleted completely from my Credit File. It makes me wonder if the Credit Bureaus did the same actions and seek verification from the Creditors, how come TransUnion is the only one reporting these items? If TransUnion claims that the disputed items are verified, I previously requested TransUnion to send me copies of proof of verification and or proof of ownership which TransUnion have failed to do so. TransUnion is required to remove the disputed items completely from my Credit File : TRANSUNION : XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX XXXXXX/XX/2022

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 2022-10-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

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. 

Here are the list of fraudulent inquiries on my report. 
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  15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows 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 2022-10-08 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This complaint is against XXXX XXXX XXXX, not sure if they go by other XXXX names. I spoke to Dept of Justice, Attorney Generals office, agent XXXX XXXX the other day and new developments have been made in this case. This creditor has been collecting from XXXX ( XXXX XXXX ). I was out of the country and missed my mails. Upon return I saw this comcast account been in Collections. I immediately called XXXX and the Executive Regional Team helped me with this account, she told me upon full payment, all credit collection activity will be removed. So I paid this in full. However, couple weeks later till date, this account still appears on my credit report. 
I called Collections company today, spoke to agent named XXXX XXXX, I told him that XXXX XXXX has authorized this account to be removed and deleted, he laughed and said why would he do that. I also told him that I spoke to XXXX agent and I was informed another name this Collections company go by, he told me he does not care about XXXX  or any letter received from XXXX  or XXXX XXXX XXXX complaints. He abruptly hang up on me. 
XXXX XXXX XXXX  are a corporate group offering Accounts Receivable Management ( ARM ) and Business Process Outsourcing ( BPO ) services. XXXX has received many consumer complaints alleging violations of the Fair Debt Collections Practices Act ( FDCPA ) such as failing to provide verification of a debt. If you have been contacted by XXXX, make sure you know your rights before responding. 

I pray and request if your office can help me bring any Justice from this Collections company abuse and disrespectful behavior of their employees, such a disrespect and unethical way of conducting business, XXXX there are numerous complaints filed against XXXX with XXXX XXXX XXXX. I would like this Credit Collection to be removed from all 3 credit bureaus, this is affecting tremondously financially and inability to get any loans. Here is the email from Comcast Vice President. Should your office need further info, pls kindly let me know. 

Respectfully XXXX XXXX

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 2022-10-08 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: CITIZENS FINANCIAL GROUP, INC.
State: MD

Complaint narrative:
This is a follow-up to a complaint filed in XXXX, 2022, Case Number : XXXX ) for Loan No. : XXXX. Although Citizens Bank did respond by recapturing the steps in this case from XXXX through XX/XX/2022, when the loan modification was finally approved, the letter did not discuss what steps, if any, would be taken to remove the delinquent information from my credit report. The attached documentation discusses the reasons why I believe the negative reporting was totally unjustified, as I was told that customers would not be penalized pending a loan modification, and to continue making the monthly payments. I also received letters stating only the balloon payment will be accepted. 
Not one delinquency letter stated I had to make the balloon payment in the amount of {$85000.00} or this loan would be considered delinquent. It was stated in the XX/XX/XXXX letter that the total amount would be due on XX/XX/XXXX unless alternative arrangements had been made -- which I did by applying for a loan modification. The foreclosure letter dated XX/XX/XXXX, stated I needed to send {$1500.00} to cover XXXX and XXXX 's payment by XX/XX/2022, to prevent foreclosure. Yet, my credit reports show I'm 120 days late paying this account for a total amount of {$3100.00} which represents {$770.00} for XXXX, XXXX, XXXX and XXXX -- -- -payments they did not accept. Why I should I be penalized for monthly payments I consistently tried to pay, but they could not accept? I was probably one of their best customers -- -never over 30 days late in 15 years. Why should they be allowed to ruin my credit when I complied with every request in a timely fashion. Unfortunately, it took almost 6 months for Citizens to receive a 3rd party valuation, that I even offered to get and pay for, but of course that was not allowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
paypal is advertising their fundraiser option, so I was thinking its a good idea to start a fundraiser in order to collect donations towards my art gallery project.

my fundraiser was approved by paypal, after receiving donations I got a weird email saying that the transactions are high risk and that I will get my money paid in 180 days. however I am still not able to access the funds and I believe paypal is a scam. my paypal balance is {$2400.00} and I can not withdraw the donations. please help me. thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I entered into a hardship payment plan with XXXXXXXX in XX/XX/XXXXXXXX agreeing to pay {$98.00} per month, I was told this would satisfy the account which at that time was past due less than 3 months related to covid and a job loss. The payments were auto debited from my checking account and I have never missed a payment. However, XXXX is now saying I owed more than {$98.00} per month and that is why it was " late ''. I was never informed when the hardship agreement was made of additional money due, in fact I was told, the agreement brings the account current, to begin the hardship plan, for the {$98.00} per month. It makes zero sense to enter into a {$98.00} per month payment plan, if it essentially leaves your account still behind. It was hard enough losing my job and having to call for a payment plan, the woman told me the {$98.00} was all I needed to pay per month for the plan. I was never told there would be any " additional '' amounts due, so once the auto debit was set up I assumed the account had been satisfied. However, my credit report now reflects I paid late every month I paid the auto debited {$98.00} agreed upon payment plan. This is because there apparently was additional money XXXX  wanted outside of the hardship plan, or the plan was not processed correctly, I am not sure what the issue is on their end, but I know I was NEVER told anything else was due, when the agree was initiated and in the agreement document. In the beginning in XXXX of XXXX XXXX " charged off '' the account, all while I continued to pay {$98.00} per month as agreed upon. I have also never received any communications from them about the " charge off '' or who now holds the debt, although my checking account is still debited every month for {$98.00}. 

I filed a dispute through Experian explaining all of this with documentation and nothing changed, XXXX has put " Charge Off '' on my credit report for the last 8 months in a row, even though I have paid every month as agreed upon beginning in XX/XX/XXXX.

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 2022-10-08 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Climb Credit Inc.
State: NY

Complaint narrative:
I have tried multiple times to get onto a repayment plan after defaulting on my loan. My loan was given to a collection service, however, because the loan was distributed in the statement New York the collection service cant legally collect. Now I have no way of actually paying my loan and kept being told some one will contact me about getting my loan to be payable. Every time Im told to wait a few but no one ever gets back to me. My loan is damaging my credit and my co signers dreading because its going unpaid and they have not offered any solution after months of trying to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08 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: IN

Complaint narrative:
This is my ANOTHER endeavor to tell XXXX CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX AV B XXXX, IL XXXX XXXX XXXX XXXX AV XXXX XXXX XXXX IL XXXX XXXX XXXX Balance : {$370.00} XXXX XXXX  XXXX Balance : {$5100.00} XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX

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 2022-10-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSWORLD SYSTEMS INC
State: MI

Complaint narrative:
I reached out on Monday, XX/XX/XXXX to XXXX to correct my enrollment and loan status. It is Friday, XX/XX/XXXX. I am currently enrolled full time in a graduate program and have been consecutively since XXXX XXXX ( and prior to the Fall XXXX semester, I was enrolled consecutively from XX/XX/XXXX to XXXX XXXX ). I have been receiving emails imploring me to complete exit interviews for a loan for the last several months. I am enrolled full time and provided the enrollment verification form upon request, via email, on XX/XX/XXXX. Several days afterwards my credit score dropped significantly ; upon providing proof of my enrollment my status should have immediately been put on deferral until it was verified by an account specialist. At the time of writing this complaint, after reaching out to UAS multiple times, via email and phone, I presently still owe a payment on their portal. My status has not been adequately adjusted to reflect my enrollment, it has had a significant impact on my credit score, and it will continue to affect me. When I reached out by phone I was not given any time frame as to when my status would be corrected. 

My loan status has been corrected and deferred until XX/XX/XXXX, however : 1. My graduate date us XX/XX/XXXX, not XX/XX/XXXX. The deferment should go until 6 months after graduation, which is XX/XX/XXXX. 
2. The incorrect status on my credit report has STILL not been corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08 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: GA

Complaint narrative:
in accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Secation 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instruction.

15 USC 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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