vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
In XXXX of XXXX I received an invitation offer to open a Citibank checking account and maintain a deposit of {$15000.00} for their minimum period and receive a cash bonus of {$400.00}. It indicated this was an exclusive cardmember bonus and referenced my Citibank credit card number that I have had with them since XXXX. The offer was good through XX/XX/XXXX. On XX/XX/XXXX I did open a Citibank checking account by phone in the name of XXXX and XXXX XXXX ( acct ending in # XXXX ) and per the instructions did verify it was for their Tiered Bonus Checking Offer. In the subsequent days I did deposit a total of {$15000.00} into that account and have maintained that amount for their required period and have met all the qualifying criteria the offer has described. 

In XXXX I called to check on the status of my bonus and the agent verified I had met all their criteria and that my bonus payment would be made no later than XX/XX/XXXX. On XX/XX/XXXX I called again since I had not received the bonus. I was told it would be deposited into my account within two days. When that didnt happen, I called the next week and was told again that my payment was being processed. I got upset and asked to speak with a supervisor and after a 20-minute hold was told by the supervisor that I was not getting the bonus because I did not qualify. She indicated the denial reason was that I was not given a direct offer for this promotion. She said that the notes in the file indicated that a letter was sent to me that explained their denial. She said the letter reference number was : XXXX. I have not ever received that letter. 

Attached is a copy of the direct offer that I received from Citibank that was addressed directly to me. 

Additionally frustrating was that I was told there was no one else I could talk with and there was no email contact to use. 

I asked to speak with a manager and was told they can only make a request to have a manager call me back within 24 to 48 hours. After 3 days and no call back, I called again to request for a manager call back. I have still not received any call. 

I am in the XXXX area and Citi does not have any local branch here. My concern besides the {$400.00} bonus is a fear of having a bigger problem with my account without having a representative with authority to speak with and no means to resolve an issue in a short reasonable 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 monetary relief
Consumer complaint received 2022-08-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Im not sure when but my mother opened a credit card account with capitol one under my social security number and XXXX XXXX for {$500.00} with out my knowledge or consent {$400.00} was spent and now my credit is rapidly declining due to the facts she hasnt made payments Ive been trying to despite the charges since XX/XX/2022 when I found out she opened a credit card and nothing has been done except referrals to different places to help dispute the charges

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-05 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: LEXISNEXIS
State: UT

Complaint narrative:
About 60 days ago I sent a request to XXXX / LexisNexis To verify some information on my report I have yet to receive any type of a response from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 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: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
I have filed a cease and desist against portfolio recovery associates for defaming my character on my consumer report. Cease and desist communication means communication across all mediums. My consumer report is a medium and your company communicating information about my debt is a violation of a cease and desist order. Also, your company claims I am a customer of yours. Please provide a copy of a certified letter that proves I received communication from your company within 5 days of your company reporting anything without my written consent or permission. Your purchasing of an account does not make me a customer of yours. That is a lie and a direct violation of my right to privacy. Failure to cease communication will result in legal action being taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
XX/XX/2022 {$500.00} I told the bank that I was cheated by XXXX  agent scam and want to withdraw the payment. They told me that they can not do that while transaction is still pending at that moment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
To Whom It May Concern, Starting in XX/XX/2022, I have sent multiple letters to Equifax, XXXX, and XXXX regarding an incorrect name on my reports. Nearly 6 months later and that name has not been removed. 

If any erroneous and/or derogatory accounts are added to my reports under this name, it will have a massive impact on my credit scores. For this very reason I have been trying to resolve this directly with the bureaus, with no luck and NO RESPONSE. 

I find this completely unacceptable and may result in pursuing legal action if this is not remedied IMMEDIATELY. I have attached a screenshot of the personal information on my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To Whom It May Concern, Starting in XX/XX/2022, I have sent multiple letters to XXXX, Experian, and XXXX regarding an incorrect name on my reports. Nearly 6 months later and that name has not been removed. 

If any erroneous and/or derogatory accounts are added to my reports under this name, it will have a massive impact on my credit scores. For this very reason I have been trying to resolve this directly with the bureaus, with no luck and NO RESPONSE. 

I find this completely unacceptable and may result in pursuing legal action if this is not remedied IMMEDIATELY. I have attached a screenshot of the personal information on my reports.

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 2022-08-05 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: MS

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2022-08-05 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: MS

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
Opened Saving Account at Ally Bank ( online ) set up a transfer from XXXX XXXX  ( aka XXXX ) of {$100000.00} on XX/XX/XXXX. I gave Ally my Routing and Account Numbers, the next day the Funds disappeared from XXXX. That same day XX/XX/XXXX I got am Email from whet appeared to be Ally banking instructed be to contact them which I did. I was concerned using a number from an unsolicited email but a representative from their Fraud prevention depart questioned me in a rather aggressive way if that was my money and demanded I fill out forms with personal information to attest to it. I reaction to this by saying cancel everything which in hide sight was a mistake. She canceled/closed my account on XX/XX/XXXX, the funds that they removed from my XXXX Account were never deposited in the ALLY account. I was told by this representative that they would be returned to my XXXX account XXXX as of today they have not. Called XX/XX/XXXX and was told by the same Dept the funds were statused as rejected on XX/XX/XXXX and the funds should be in my bank account, again which they were not. I contacted my Financial advisor at XXXX and we called ALLY together on XXXX hours on hold multiple cold transfers and we end up back at the same Fraud department with the original rep who closed the account. She claims the transfer never went through but they were removed from my XXXX Account. I was told by ALLY to file a claim with XXXX which I did. I was told by my Advisor that was rejected because XXXX as never received the funds. I called ALLY again on XXXX, multiple cold transfer repeating the same Information to them and ended back up at the same department to the same person that cold transferred me to from the beginningt. One lady in the middle of transfers told me my case had been closed and I was in a Fraud Profile. Which essentially means to me they must be holding my money. This Lady named XXXX said she reopened my case, she reportedly conversed with the XXXX team and reported back to me to file a claim with XXXX ( which again was done on XX/XX/XXXX ) I was eventually transfer back to my original representative in the Fraud Depart " XXXX '' Maybe. this time he was argumentative since I recognized his voice and remarked on being cold transferred so many times. I asked for him to remove the Fraud profile on my file that XXXX instructed that I do but he rudely refused. I asked to be transferred to a supervisor and he said some undiscernable words I got a voice mail of a " XXXX '' ( phone sound quality was very poor ) long story short here ALLY pulled money from my bank account and it is now now where to be found I can supply a case reference number

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 2022-08-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Ive open an capital one debit card to learn I also had a credit card that was being used I called in numerous times about this account when I open a XXXX XXXX  account I also learned that that same capital one credit card balance was on my credit report I never had use this card and I am being held responsible for a card I never had any knowledge of

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-05 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: AL

Complaint narrative:
XX/XX/20XXXX XXXX XXXXXXXX XXXX- {$470.00} n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
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

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 2022-08-05 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: AL

Complaint narrative:
XX/XX/20XXXX XXXX XXXXXXXX XXXX- {$470.00} n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
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

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 2022-08-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
MIDLAND CREDIT MANAGEMENT is furnishing an account to my consumer report without providing me with prior consent via certified mail giving me the opportunity to dispute the debt or opt out of any relationship with their company. This is a violation of my consumer rights. I demand MIDLAND CREDIT MANAGEMENT cease and desist all communication regarding this alleged debt through ANY medium ( including my consumer report ). Failure to comply will result in legal action being taken.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-05 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: DISCOVER BANK
State: TN

Complaint narrative:
I called Discover Bank @ XXXX ( XXXX ) XXXX on XX/XX/XXXX spoke to XXXX about payments are not reflecting on my credit reports he said the account was closed XX/XX/XXXX which is not true. Monthly payments are made to Discover every month on time which is not reporting on my credit report. XXXX, show recent payment XXXX ( XXXX ) and reported that the account was closed XX/XX/XXXX as of today it still show closed .XXXX  XXXX XXXX XXXX and XXXX reporting inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I never gave consent for Equifax to share/make/furnish a credit report for me. 
They assumed the responsibility on reporting without my consent. 
I never gave permission or consent. They didnt hold their grave responsibility. This violates my consumer privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I just discovered a billing problem when I checked my credit record. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on this account because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. These are unquestionably billing concerns, and I demand to see specific bank account documentation showing that I failed to pay and was subsequently labeled past due. Below is a list of the disputed accounts. 
XXXX XXXX XXXXXXXX XXXX XXXX : {$210.00}

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 2022-08-05 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: AZ

Complaint narrative:
I'm glad to see that my report has been improved in numerous ways, including the deletion of certain accounts that I had previously disputed. However, there are a few accounts on my report that are fraudulent and the result of identity theft. I'd like to ask for your assistance in getting rid of the remaining few items on my report. According to FCRA section 605b, credit bureaus are required to remove or block any accounts that have been listed on an identity theft report. To prevent fraudulent information from being submitted in my report, I've included a few papers. 
XXXX  XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$0.00}

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 2022-08-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: GA

Complaint narrative:
In XXXX of XXXX my husband and I went into forbearance due to COVID related issues. My husband stopped working so that he could stay home with my oldest child when he wasnt able to go to school. In XXXX of XXXX we came out of the forbearance and started a load modification process with the lender. We have a VA loan with freedom mortgage as our loan servicer. We were approved for a loan modification pending three trial payments of a fixed amount. At the end of this trial period I received a letter stating that we had not been approved for the load modification because we had not made all our payments on time. We in fact, did make all our payments on time, and now, month to month we keep getting a run around on what is happening next with our loan. Every month when I call into speak with someone regarding the monthly payment, or the loan modification, I sit on hold for nearly an hour at a time and wait for the representative to read through all the notes, to then escalate the problem to someone else. This has been on-going since XXXX XXXX, as I started making my trial payments XXXX XXXX, XXXX. Ever since then, no one has any idea what is going on with my loan, and it just keeps getting escalated. The reason this is really becoming an issue is that we are now trying to refinance our home with a new lender, but we are stuck because we have to have made 6 payments after doing a loan modification and it seems like we cant even get into one.

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 2022-08-05 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Kikoff Inc.
State: CA

Complaint narrative:
I was under the impression that I can use the kickoff card anywhere. But now I see I can only use it at the kickoff store. I do not like what I see. I am requesting my {$5.00} back along with you closing my account as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I deposited 3 checks from my employer, Bank of America placed delayed hold on the the largest amount amount of {$1000.00}. If they believed that check was forgilent than why didn't they place delayed hold on all 3 checks? These were Bank of America checks also from XXXX XXXX. When I finally got though to department who place delay on check I was informed reason was that I hadn't deposited anything this large in past month! This falls under the {$5000.00} threshold. When I informed Gentleman that this was now causing me financial difficulties as I will now be late with my rent, he lied to me telling me since I still had paper check I could go cash it while it was still processing though the account. From what I read on their XXXX page this happens regularly that they place delayed holds on wage checks. Seems that they are targeting middle income families. I have received checks from XXXX for over 13 year to said account and have been a XXXX account holder for 23 years.

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 2022-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
My complaint is about my personal information. I have contacted the credit bureaus several times about updating my personal information. Putting the correct address as Current and removing all other addresses that doesn't contain to me. 

They are not my addresses and I do not want to mix and merge my files or want the wrong information being sent to those addresses they have on file which I do not want no one to have any of my information because of all the scam and Fruad stuff that's going on. 

Please update my correct address on file and remove all others which they are not mine and never lived at those addresses. 

I also contacted the company by phone XX/XX/2022 as well as writing a letter like they told me and still haven't fixed the 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