vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I opened a Citibank accelerated savings account in XX/XX/XXXX and deposited a total of {$10000.00} in two electronic transfers from my originating bank. These transfers were {$2000.00} on XX/XX/XXXX and {$8000.00} on XX/XX/XXXX ( see transactions attached ). On XX/XX/XXXX, I received an email from Citi saying that my account would be closed due to " violating the terms of your account ''. I have attached that email. In the email Citi said, " we will send any funds belonging to you to this address, once the account is closed ''. The email also said to call Citi 's fraud department for any questions. 

I have called Citi multiple times asking why the account was closed and when I would get the money sent back to me and if they could send back the money sooner than the 60 days the email said. It has now been 91 days since the email notification that my account will be closed. I have never received any mail regarding the issue despite their fraud department, when I call them, saying that I would get a letter. 

I have received a lot of conflicting information when contacting Citibank. They initially kept saying that a check would be mailed to me. However, they have also been saying that if I want to receive the funds back electronically, that I should contact my originating bank to " file a claim to release the funds that was deposited to my Citibank account ''. Those are the words of a Citibank fraud dept. representative. When I contact my originating bank, they say there is nothing they can do because my money was successfully deposited and it is up to Citibank to now resolve the issue. Whenever I ask Citibank to send the money back to my original bank they say it can not be done. So, I am getting conflicting information from both these banks. 

I also recently contacted Citibank 's executive response unit and they said they would look into the issue and it would take approximately 15 business days to receive a response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account # XXXX XXXXXXXX XXXX XXXX has violated my rights.The address information is inaccurate and needs to be deleted from my credit report. 
XXXX XXXX XXXX account # XXXX has also violated my rights. The late payments for XXXX and XX/XX/XXXX are inaccurate and needs to be deleted from my credit report. The account open dates are all different and last reporting dates on credit reports also. 
XXXX XXXXXXXX account # XXXX has violated my rights. The late payments XX/XX/XXXX and XX/XX/XXXX are inaccurate and needs to be deleted from my credit report. Last reporting dates are all different on credit reports. 
The following inquiries need to be deleted off my credit report also. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following addresses need to be deleted from credit report also XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NH XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX 15 U.S.C 1681 section 602 A. states I have the right to privacy 15 U.S.C 1681 section 604 A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681 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 non-monetary relief
Consumer complaint received 2022-09-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Today XX/XX/2022 I was spoke with XXXX a Senior Account Manager at Capital One. Her ID # : XXXX, XXXX wouldn't give up her last name when I asked for it. We spoke about Capital One Agreement and Credit Reporting. When opening up both of my account I was told that I had to opt in credit reporting and that there is no option in opting out of credit reporting. Capital have violated 15 USC 6802 ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section XXXX of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

Durin the phone conversation I kept asking why was I never informed on how to exercise this option and XXXX kept implying there is no option and that I was stuck with this and that I have no privacy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-30 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: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
XX/XX/2018 {$1100.00} XXXX XXXX XXXX XXXX XXXX ID # XXXX XX/XX/2018 {$1000.00} XXXX XXXX XXXX XXXX XXXX ID # XXXX I never signed any credit card agreement to pay the company this amount they charged, but they forged my name on their charges they submitted. I never would have agreed to charges of these amounts, The company provide me no written contract or agreement and then tried to charge extreme amounts other than quoted. They verbally quoted about XXXX XXXX dollars to take to another location. They threw possessions in the truck which caused significant damage to total loss, stole many possessions, broke multiple possessions, and stole funds by falsifying charges from the verbal quote. They had the credit card number so just charged what they wanted without any written agreement, additional verbal agreement, and far greater than what i would have ever agreed. After the incident I had received very bad information about this company and that they intentionally steal from parties of whom they are moving or storing. 

I tried to follow this matter with the merchant and they were actually frightening and intimidating as to what they would do to me if I ever contacted them again. The owner and his men working were most abusive, scary, intimidating and frightening, as they used foul language to me repeatedly. They threatened harmful actions if I reported anything against them. They were very mean to me and argued against any proper consideration and treatment of me as I tried to ask of them. 

WF again mishandled the claim and did not follow through. We raised it repeatedly, filed Reconsiderations and I completed other forms for WF, but WF never even considered handling it again as they lost their time frame so did nothing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-30 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: SANTANDER HOLDINGS USA, INC.
State: NV

Complaint narrative:
BEFORE COVID 19 I HAVE ALSO BEEN INFORMED THAT I AM A VICTIM OF IDENTITY THEFT IN WHICH SANTANDER CONSUMER U XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX REPORTING A NEGATIVE BALANCE OF {$22000.00} AUTO LOAN THAT IS NOT ME AND THE XXXX DATA BREACH ALSO CONFIRMED I WAS VICTIMIZED. AND TO FILE A CLAIM, US DEPT. OF EDUCATION HAS A SCHOOL LOAN THAT DOES NOT BELONG TO ME WITH A BALANCE OF {$12000.00} XXXX XXXX XXXX  IS REPORTING A BALANCE OF {$460.00} THAT DOES NOT BELONG TO ME. 

PER TITLE 15 SUBSECTION 1628 A THROUGH Z FCRA I AM A VICTIM OF IDENTITY THEFT AND TO PLEASE REMOVE THESE NEGATIVE ITEMS AND INQUIRIES BECAUSE MY CREDIT REPUTATION HAS BEEN DAMAGED AND CAUSING ME GRIEF TO NOT BE ABLE TO OBTAIN ANY FORM OF CREDIT IN MY NAME.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: NV

Complaint narrative:
Well approximately the date was XXXX was on my phone talking to my sister on XXXX  got a email notifying me that someone had logged into my bank account account at XXXXXXXX XXXX. that day and shortly afterwards about XXXX they had transferred {$370.00} from my credit card to my checking account and took out {$400.00} I am a XXXX woman on XXXX that was my XXXX money that they took all that I have left was {$10.00} in my account please help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: MoneyLion Inc.
State: CA

Complaint narrative:
On XX/XX/22 I received an alert on my XXXX report for a fraudulent new account with the company moneylion for a loan totaling XXXX XXXX I contacted moneylion to have the account removed and have sent in documentation proving identity theft. I have also reported the identity theft to the FTC. The company has not helpful in removing the account at all

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-30 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: NY

Complaint narrative:
Company is refusing to be in compliance and repeatedly as for documents and details that have already been furnished.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Someone opened up a JPMorganChase Card in my name and obtained a credit line of {$5700.00} on XX/XX/2022. I contacted Chase and they told me they would close the account, and I would not be responsible for any charges made on the card. I thought that the matter was closed until I went this week to apply for a car loan and found that my credit score was in the XXXX due to this account now on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am noticing inaccurate information on my consumer credit report regarding XXXX XXXX. XXXX is reporting the account as OPEN with a {$910.00} balance. In the remarks section XXXX is reporting Consumer disputes-reinvestigation in progress with 30-59 days late. I have not received any written notification of this investigation. 
TransUnion is reporting XXXX XXXX  as CLOSED with a {$1000.00} balance. In the remarks section TransUnion is reporting Canceled by credit grantor with 120-149 days late. 
XXXX is reporting XXXX XXXX  as CLOSED for {$1000.00} balance. In the remarks section XXXX is reporting Account closed at credit grantors request with 150 days past due. 
Consumer reporting agencies have a duty to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual while being fair and equitable to the consumer and shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am noticing inaccurate information on my consumer credit report regarding XXXX XXXX. XXXX is reporting the account as OPEN with a {$910.00} balance. In the remarks section XXXX is reporting Consumer disputes-reinvestigation in progress with 30-59 days late. I have not received any written notification of this investigation. 
XXXX is reporting XXXX XXXX  as CLOSED with a {$1000.00} balance. In the remarks section XXXX is reporting Canceled by credit grantor with 120-149 days late. 
Experian is reporting XXXX XXXX  as CLOSED for {$1000.00} balance. In the remarks section Experian is reporting Account closed at credit grantors request with 150 days past due. 
Consumer reporting agencies have a duty to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual while being fair and equitable to the consumer and shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 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: OK

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Accounts XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, DEPTEDXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-30 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: Experian Information Solutions Inc.
State: OK

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Accounts XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, DEPTEDXXXX XXXXXXXX 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 XXXXXXXX, XXXX XXXX XXXX  XXXX, DEPT OF EDXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-30 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
HARASSMENT : I have several dispute trying to remedy your mistakes in my Credit Report about my Bankruptcy. My Bankruptcy is more than 10 years old. This mistake has been impacting my financial status, causing irreparable damage in my economy. The investigation conducted by Experian Company and XXXX about the time of my bankruptcy took less than one week. I contacted the United States Bankruptcy Court XXXX XXXX to get more information about my bankruptcy and the response was they do not report at any Credit Bureau XXXX I contacted the XXXX XXXX XXXX XXXX too and I received from them an email saying that they need information about myself. So if they don't have my information, in this case how can the company report any information. Otherwise, XXXX XXXX made the same investigation about my issues with my Credit Report and took my case seriously and Deleted it from my Credit Report. 
Then, why does Experian and XXXX doesn't take my dispute seriously, I am taking this flippancy as Harassment, just because I am 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 2022-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I opened an account with TD bank and never received the debit card in the mail... Having waited 6-8 weeks with XXXX  once recovering I called them to ask them to resend the debit card so I could access the {$10000.00} that was direct deposited into that account over the 6-8 weeks.

They couldn't generate any authentication questions to verify me, and then refused to find a resolution that didn't require me to drive an hour to a branch to rectify the issue in person.

I opened the account online, but now can no longer access any money or support for that account unless I go to a branch, which are not local. 

They refused to offer other solutions or remediate the problem, refused to generate verification questions. 

I opened the account with a promo bonus and they haven't verified that the bonus is active either. 

Very poor customer service, no ability to access my account, no trackability of my bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Reached to capital one auto finance back in XX/XX/2021 and made a one time settlement payment in the amount of {$1300.00} to be relieved from this debt in addition to an agreed " deletion '' across all credit bureaus. Capital One Auto Finance did not fulfill agreement after over XXXX since settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
I feel Regions Bank has repeatedly charged my overdraft fees gratuitously and fraudulently.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 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: Navient Solutions, LLC.
State: NV

Complaint narrative:
BEFORE XXXX XXXX  I HAVE ALSO BEEN INFORMED THAT I AM A VICTIM OF IDENTITY THEFT IN WHICH XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX IS REPORTING A NEGATIVE BALANCE OF {$22000.00} AUTO LOAN THAT IS NOT ME AND THE XXXX XXXX XXXX ALSO CONFIRMED I WAS VICTIMIZED. AND TO FILE A CLAIM, US DEPT. OF EDUCATION HAS A SCHOOL LOAN THAT DOES NOT BELONG TO ME WITH A BALANCE OF {$12000.00} XXXX XXXX XXXX IS REPORTING A BALANCE OF {$460.00} THAT DOES NOT BELONG TO ME. 

PER TITLE 15 SUBSECTION 1628 A THROUGH Z FCRA I AM A VICTIM OF IDENTITY THEFT AND TO PLEASE REMOVE THESE NEGATIVE ITEMS AND INQUIRIES BECAUSE MY CREDIT REPUTATION HAS BEEN DAMAGED AND CAUSING ME GRIEF TO NOT BE ABLE TO OBTAIN ANY FORM OF CREDIT IN MY NAME.

Company response to consumer: Closed with explanation