vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
My caregiver trapped me in the bathroom and then used my cell phone to send multiple withdrawals from my Citibank account to herself via XXXX without my authorization. She then went to the Citibank ATM and emptied my checking account, again fraudulently. I am totally XXXX and live alone in a seniors building. Citibank honored the ATM withdrawals as fraudulent, but has ignored my numerous appeals to do the same with the XXXX withdrawals nor have they ever sent an explanation for their denials. Please help.

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 2023-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
XXXX XXXX via mobile phone and XXXX Complaint XXXX date XX/XX/2021 Police Officer XXXX XXXX Withdrawl  Date XX/XX/2021 {$710.00} Despite an arrest  and prosecution, Citibank XXXX Outright " refused to return my money. Fortunately, I now have a way to hold the bank accountable for replacing my hard earned income.

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 2023-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: MD

Complaint narrative:
I never had an account with the original creditor. I have no knowledge of this debit or the creditor. I believe that someone has stolen my identity. This account was opened in another state.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Please note, THIS NOT A DUPLICATE COMPLAINT, I'm sending this complaint because of new evidence and because Transunion Credit Bureau has rejected my dispute as I found out today on XX/XX/XXXX  by phone call to Transunion. 
I been told that my personal information is incorrect or not matching with my proof of address or my FTC report, So FIRST I want to as Transunion to update my personal information on my report : I'm providing my proof of address as well and my current address is : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, FL XXXX. 
Also there is one hard inquiry on my report that I have never authorized and I have filed FTC report for that matter, I believe I'm a victim of Identity theft and that hard inquiry is the result of fraud. This is not a factual data and must be removed from my report as soon as possible. My report number is : XXXX. 
Please update my personal information on my report and remove that fraud inquiry from my report immediately.

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 2023-03-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Bureau of the Hudson Valley, Inc.
State: FL

Complaint narrative:
XXXX, a cable and internet provider, had supplied service to my prior residence located at XXXX XXXX XXXX, XXXX XXXX, XXXX. I moved on XX/XX/2022. I terminated service on XX/XX/2022 and all equipment was surrendered. Enclosed is a copy of the receipt they provided which specifically acknowledges that all services were terminated and all equipment was surrendered. Weeks after the move, XXXX rendered a bill for services beginning on XX/XX/2022. I sent a letter to the company dated XX/XX/2022, together with a copy of their receipt showing that all services were terminated and all equipment was surrendered and they called my cell phone several days later to state that my letter was received, an error was made and no monies were due. I asked them to acknowlege this in writing. They refused. They said that I would receive another invoice showing a XXXX balance. The writing which they promised never arrived- all mail was forwarded by USPS to my new address. 

Today, I received notice from a third party debt collector, CBHV, claiming that I am in arrears for failing to pay the precise amount that was described in my letter of XX/XX/2022 - which XXXX claimed was not due.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 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: NY

Complaint narrative:
Re : XXXX Account Under the Fair Credit Reporting Act 15 USC 1681 this disputed item may not appear on my credit report if it can not be supported by any evidence.I have sent two letters to Creditors and Credit Reporting Agencies to produce evidence ( signed contract, billing statements, payment history ) that the debt is mind and they have not been able to do so. 

Contacted Creditor asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me therefore you are reporting misleading false account. 

I have also submitted my credit card statement where the alleged amount owed was paid and the account closed therefore it is misleading to continue to report fraudulent information 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 2023-03-06 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Re : XXXX Account Under the Fair Credit Reporting Act 15 USC 1681 this disputed item may not appear on my credit report if it can not be supported by any evidence.I have sent two letters to Creditors and Credit Reporting Agencies to produce evidence ( signed contract, billing statements, payment history ) that the debt is mind and they have not been able to do so.

Contacted Creditor asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me therefore you are reporting misleading false account. 

I have also submitted my credit card statement where the alleged amount owed was paid and the account closed therefore it is misleading to continue to report fraudulent information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 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:
I have a XXXX XXXX XXXX partial acct # XXXX which I voluntarily CLOSED which acct is listed as CLOSED on its web page but my acct is still inaccurately reported as OPEN on my Experian, XXXX and XXXX XXXX credit reports despite my CFPB disputes. In fact, on XX/XX/2023, Experian sent me a report stating XXXX XXXX XXXXXXXX XXXXOutcome : Remains - The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. My account is CLOSED and continual reporting of my account inaccurately as OPEN and false certifications constitutes willful violations of the FCRA and Metro 2 compliance protocols subjecting violators to {$1000.00} statutory damages per willful violation. Kindly reinvestigate and either promptly report my account as CLOSED at consumers request or permanently delete my account and block access to the violating furnisher. The FCRA and Metro 2 protocols require prompt and immediate mid cycle reporting an account as Closed when requested by the consumer by phone or otherwise. False certifications and sloppy investigations shall not be tolerated. Similarly, as if XX/XX/2023, my XXXX and XXXX XXXX reports continue to inaccurately report my account as OPEN.

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 2023-03-06 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC
State: CO

Complaint narrative:
On or about XX/XX/2023 ERC, XXXX XXXX XXXX, XXXX FL, made an offer to settle a XXXX debt of {$110.00} for a one-time payment of {$72.00}, however after making the payment they are refusing to honor the terms we agreed to and have been contacting me daily about paying the remaining {$39.00} even though our agreement was to settle the debt. ERC reference # XXXX and XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CMI Group, Inc.
State: TN

Complaint narrative:
This company is trying to collect a debt thats already owned by a different debt collector which is against the law and is trying to charge a different amount which is against the law as well

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-06 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: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
Notice to all, I am that I am, the consumer in fact, natural person, creditor, lender, executor, administrator, holder in due course of any and all derivatives thereof for the Surname/given name XXXX XXXX XXXX XXXX and have been appointed and accept being the executor both public and private for all matter proceeding, and I hereby claim that I will D/B/A XXXX XXXX XXXX and autograph as the agent, attorney in fact, so be it ; 1. It is a Fact that XXXX  is the only natural person with rsthand competent knowledge of the facts of this transaction. 2. It is a Fact that XXXX  is a consumer as dened in the Fair Debt Collection Practices Act specically, Title 15 USC 1692a ( 3 ) because XXXX  is a natural person. I am writing in regards to the XXXX data breach & the subsequent compromise of my personal information. Pursuant to Title 15 USC 1681 ( a ) ( 4 ) your company failed to ensure that the information on my consumer report was accurate failed to exercise their responsibility with fairness & impartiality. Upon reviewing my report, I discovered fraudulent account opened using my personal information which is a result of the data breach any legal means, including power of attorney fraud. I demand immediate action to secure my information & prevent further identity theft in accordance with the FDCPA is protection of my privacy I demand that all fraudulent information be removed from my report within four business days, per FCRA section 605B & title 15 USC 1681 C2. I do not give consent for any information to be furnished without my authorization per title 15 USC 1681 604 ( A ) ( 2 ). I expect any violations on my consumer rights to be a dress with fairness and impartiality. With all these violations listed and fraud found I may start the administrative process. However, I will give your company the ability to settle out of court or you will be held liable for all damages. Conduct yourselves accordingly. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I got approved for a loan for Solar installation from XXXX XXXX, via Maryland-based XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX. I completed all the paperwork and have been waiting for installation that's been scheduled for XX/XX/XXXX I received an email from XXXX XXXX  on XX/XX/XXXX, stating that they have cancelled my loan. I called the company on XX/XX/XXXX and spoke to someone who identified themself as XXXX. She gave me the following reasons why the loan was cancelled : Documents not signed Proof of ownership verified on XX/XX/XXXX Insufficient credit history Inactivity on the account After each reason, I explained how that did not make sense since that reason did not apply - and explained why and provided the evidence. XXXX then said I have to wait for a letter they mailed to me. I explained that I needed to know now what was happening as my installation is fast approaching. I asked to speak to a manager and she hang up. 

I finally got the letter electronically on Wednesday, XX/XX/XXXX, and it states the loan is cancelled because of insufficient credit history. This is interesting given the loan was approved with my same credit history and a lower credit score back in XX/XX/XXXX. 

At no point before the cancelation notice did I receive any request for from XXXX  or XXXX XXXX XXXX for additional documents or information that I failed to provide. XXXX XXXX  decision to cancel the loan feels off and discriminatory. The reason they provide makes no sense. Please look into this for me. Attached is a copy of my contract with them. Thank you.

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 2023-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I got approved for a loan for Solar installation from XXXX XXXX, via Maryland-based XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX. I completed all the paperwork and have been waiting for installation that's been scheduled for XX/XX/XXXX I received an email from XXXX XXXX on XX/XX/XXXX, stating that they have cancelled my loan. I called the company on XX/XX/XXXX and spoke to someone who identified themself as XXXX. She gave me the following reasons why the loan was cancelled : Documents not signed Proof of ownership verified on XX/XX/XXXX Insufficient credit history Inactivity on the account After each reason, I explained how that did not make sense since that reason did not apply - and explained why and provided the evidence. XXXX then said I have to wait for a letter they mailed to me. I explained that I needed to know now what was happening as my installation is fast approaching. I asked to speak to a manager and she hang up. 

I finally got the letter electronically on Wednesday, XX/XX/XXXX, and it states the loan is cancelled because of insufficient credit history. This is interesting given the loan was approved with my same credit history and a lower credit score back in XX/XX/XXXX. 

At no point before the cancelation notice did I receive any request for from XXXX  or XXXX XXXX XXXX for additional documents or information that I failed to provide. XXXX  's decision to cancel the loan feels off and discriminatory. The reason they provide makes no sense. Please look into this for me. Attached is a copy of my contract with them. Thank you.

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 2023-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
Im trying to make a mobile deposit, but the app is not allowing. When I take the photo doesnt allow to continue, also doesnt allow to writte de amount. 
I tried to fix the issue with customer service, they said I need to reinstall the app. I did it but the issue still there. 
I need to have this fixed asap. 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I am a natural person, I am a living human being. I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. They violated my rights numerous of times I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts Accounts- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Transunion is in direct violation of The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq. I previously disputed a matter concerning XXXX XXXX XXXX XXXX, where I disputed a business auto loan appearing on my personal credit report for the specific XXXX XXXX XXXX XXXX account. This account should not be appearing on my personal consumer credit report because the vehicle was registered in the name of a business and the account is a business account, not an individual account. 

I should have only one XXXX XXXXXXXX XXXX XXXX account appearing on my personal consumer credit report, the account I am disputing is a business account. Where the account I am disputing is an XXXX XXXXXXXX XXXX XXXX account established in the name of a business and not individual person. Wherefore, I request that this matter be investigated and removed from my personal consumer credit report. 

Transunion failed to address my dispute or investigate. Even provided me with incorrect dispute verification information. I received notice from Transunion that the " XXXX XXXX XXXX-VERIFIED AS REPORTED. '' I didn't dispute the XXXX XXXX account, it appears that Transunion never investigated my disputes for the XXXX XXXX XXXX XXXX  as I was provided only verification for XXXX XXXX account which I never disputed in the first place.

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 2023-03-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: CT

Complaint narrative:
I made a payment of {$14000.00} to my Barclays Credit card via cashier 's check. Barclays cashed the check but did not credit my account for the payment. I contacted Barclays regarding the issue. They stated it takes 24 to 48 hours for the payment to post to my account. After waiting 3 days, I contacted Barclays again regarding the issue. I was then informed that it takes 7 days instead of 48 hours for the payment to clear. Today is day 8, and still, no payment posted to the account. Again I contacted Barclays to request an email where I can submit a copy of the canceled check, and after being on the phone for an hour+ I was told that it might take 2 billing cycles for them to finish the investigation I started on XX/XX/XXXX. I requested an email or a supervisor above the person whom I spoke to she apologized and said there is no one above her and put me on hold, after a couple of minutes the called was dropped.

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