vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
To whom it my concern Thank you so much for helping me first. I think Citibank is violating banking laws and robbed my money. Here is what happened to me at Citibank. 

I opened a new checking account and a new saving account in XXXX 2022 at Citibank. 
Then I transferred total {$50000.00} dollars to my new checking account at Citibank from my own account at XXXX XXXX  and I transferred total {$10000.00} dollars to my new saving account at Citibank from my own account at XXXX XXXX XXXX. 

On XXXX2022, I received a written notice from Citibank that all my accounts, both checking and saving at Citibank are closed and I will get all the money back which is total {$60000.00} by check in mail with 30-60 days. The 60th day is XX/XX/2022. 

Today is XXXX2022, clearly the 60 days have already passed, and I didn't receive any money back till now. I called Citibank several times, they said the money on my account will not be given back to me and Citibank don't owe me any money. Citibank said the money does not belong to me anymore. 

Citibank said if I want to get my money back, the only solution is to go to XXXX and XXXX XXXX XXXX to file a claim and reverse the transaction because Citibank will not give me any money back. Then I went to XXXX and XXXX XXXXXXXX XXXX and told them what Citibank have told me. However, both XXXX and XXXX XXXX XXXXXXXX said all the transactions are valid since it is me who sent the money and all the transactions have been finalized and the Citibank has confirmed the money is received. All XXXX and XXXX XXXX  XXXX can do is to provide me bank statements which will proof the money sent out is my money. 

I am really hopeless right now since there is no way I can get my own hard earned money back from Citibank by myself. and I think I am robbed by Citibank. I have recored all the phone call with Citibank as evidence. And I have other evidence like my Citibank debit card, my Citibank account paper check, my Citibank account related email etc. 

Here are the dates and amount of the transaction for your reference. 
My XXXX XXXX  checking account to my Citibank checking account : ( XXXX ) on XXXXXXXX2022, {$25.00} dollars. 
( XXXX ) on XXXX2022, {$970.00} dollars. 
( XXXX ) on XXXX2022, {$1000.00} dollars. 
( XXXX ) on XX/XX/2022, {$25000.00} dollars. 
( XXXX ) on XX/XX/2022, {$23000.00} dollars. 
My XXXX XXXX XXXX checking account to my Citibank saving account : ( XXXX ) XX/XX/2022, {$10000.00} dollars. 

Thank you so much for helping me again! Hope to hear you back from you soon! 

Sincerely

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 2022-08-13 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: EQUIFAX, INC.
State: CA

Complaint narrative:
A couple of months ago, I received a note of change on my FICO score ( at the XXXX XXXX XXXX XXXX ). XXXX said the FICO score is provided by Equifax. They decreased the FICO score from 770 to 699. This decrease affect my credit, when I am planning to buy a car. 
I contacted XXXX, they tell me to contact Equifax. 
I emailed, call and wrote comments in their facebook site. Finally got a hold of an equifax rep ( named XXXX XXXX, and she looked and took about 30 min to find more information and tells me that there is nothing derogatory in my credit. There is NOTHING that would trigger a decrease in my FICO score.

I asked about the error in computing the scores that Equifax had to fix not too long ago ( ruining many scores ). The represenative explained that my credit report doesn't show any negative mark to justify a lower FICO number. She tells me it is XXXX or FICO and they can't fix anything. 

I do not know where to contact. I have maintained an outstanding credit, and having the score lowered by almos 100 points is negatively affecting me. 
Equifax is not taking responsibility for their accions. 

This is Equifax Dispute number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13 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: WI

Complaint narrative:
Saturday, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Wisconsin XXXX SSN : XXXX | XXXX : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX PA XXXX I recently reviewed my credit report and found unauthorized inquiries. 

I have already contacted the creditors below and they have not provided me with any proof that I initiated such inquiries, nor provided me with written authorization or any permissible purpose. Since they do not have my authorization, written nor verbal, I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

As you know, according to Section 604 of the Fair Credit Reporting Act, Permissible Purposes of Consumer Reports 15 U.S. Code 1681b, Subsection ( a ), the below creditors have not demonstrated any allowable permissible purpose - and any consumer reporting agency XXXX furnish a consumer report under those circumstances and no other. 

The following inquiries are unauthorized, and I ask that you DELETE them : Creditor Name : XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX  XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry

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 2022-08-13 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
Saturday, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Wisconsin XXXX SSN : XXXX | XXXX : XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX TX XXXX I recently reviewed my credit report and found unauthorized inquiries. 

I have already contacted the creditors below and they have not provided me with any proof that I initiated such inquiries, nor provided me with written authorization or any permissible purpose. Since they do not have my authorization, written nor verbal, I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

As you know, according to Section 604 of the Fair Credit Reporting Act, Permissible Purposes of Consumer Reports 15 U.S. Code 1681b, Subsection ( a ), the below creditors have not demonstrated any allowable permissible purpose - and any consumer reporting agency may furnish a consumer report under those circumstances and no other. 

The following inquiries are unauthorized, and I ask that you DELETE them : Creditor Name : XXXX XXXXXXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry XXXX XXXX XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXXXXXX XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry

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 2022-08-13 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: GA

Complaint narrative:
Regular Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX : XX/XX/XXXX These inquiries should not be on my Consumer 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 explanation
Consumer complaint received 2022-08-13 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:
I have applied for credit twice, But loan XXXX aren't being transparent.. When I've asked which Agency they pull from.. They lead me to believe only XXXX they pull, I real time it ends up being XXXX agencies..

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 2022-08-13 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: AR

Complaint narrative:
I have been working to have the Three Agencies XXXX, Transunion and XXXX to remove and delete fraud accounts from my credit report and they either have been busy or ignoring my request. Ive sent letters on my behalf and have not received and adequate response. The accounts in reference are the ones below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts are needed further investigation and removal by the 3 bureaus XXXX XXXX Transunion

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 2022-08-13 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: AR

Complaint narrative:
I have been working to have the Three Agencies XXXX, XXXX and Equifax to remove and delete fraud accounts from my credit report and they either have been busy or ignoring my request. Ive sent letters on my behalf and have not received and adequate response. The accounts in reference are the ones below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts are needed further investigation and removal by the 3 bureaus XXXX Equifax XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I recently re-ordered checks for my checking account of 27 years with Bank of America. When I received my check order, the checks included " POD and one of my beneficiaries ' names ''. I never authorized the information to be included on the checks nor would I have ever authorized only one of my beneficiaries to appear on the check and not the other. Bank of America informed me that this is a new policy. I was not informed via mail or email that this was going to be a new policy effective XXXX XXXX was also informed that the missing beneficiary was an " error '' after being informed by another representative that there was only one beneficiary on the account. I also asked for a copy of a letter or notification regarding the new policy. A supervisor from financial services transferred me to the " check department '' and they were unable to provide me with a copy of the new policy. Personal financial information such as beneficiaries should not be required to be listed on checks which are written to utility companies, businesses, etc. nor for anyone to see other than the bank.

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 2022-08-13 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: CIG FINANCIAL LLC
State: AZ

Complaint narrative:
I had a vehicle financed through CIG Financial. The vehicle was totaled in an accident but the balance owed was paid off by XXXX XXXX XXXX XXXX. I am attempting to get the account on my 3 credit reports taken off because theyre reporting it as a charge off & as a collections. Additionally, they are reporting different information to the 3 credit bureaus ; which I attached a screen shot of all 3 reports. ( 1 ) My XXXX report shows a derogatory mark but that doesnt show on the other two reports. ( 2 ) One shows a charge off and no payment, and ( 3 ) one shows collections ; which did NOT happen, and isnt reported on the other 2 reports.

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 2022-08-13 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
In late XXXX of XXXX I elected to purchase a trip to XXXX in XX/XX/XXXX offered by XXXX XXXX ( XXXX, XXXX ) and I paid {$1200.00} on my mastercard from Bank of America. I was not able to take vacation in XXXX because of mistakes made on invitation letters ( twice!! ) required for visa and visa didn't arrive in time to get on plane. When I contacted XXXX to tell them of horrible experience they didn't respond so I waited a month and filed a dispute with Bank of America over charge. Upon realizing I was disputing charge XXXX contacted me in XXXX to apologize for their actions and I inquired about getting my money back. They begged me to try them again and offered voucher for any vacation taken within 18 months but only if I agreed to cancel my dispute through credit card. In good faith I said yes and in late XXXX I contacted Bank of America to say merchant has offered to resolve dispute.I saw on my XXXX statement that charge was taken off but 2 weeks later it was put back on ( enclosed ). One year later I decided to take a trip since Covid was slowly not an issue only to learn XXXX would not honor the voucher. They told me I had won my dispute so they didn't owe me anything and I told them that wasn't the case because I paid balance in XXXX of XXXX and sent my statements. I called Bank of America who said they did pay XXXX but I asked for an escalation, Bank Of america put $ back on my card and I hoped that was end of it, but 3 months later they charged me back on XX/XX/XXXX statement and couldn't provide any written proof of it by email or regular mail. The escalation said they forced payment through third party XXXX  in late XXXX. XXXX and it was finally accepted on XX/XX/XXXX. It is now a year later and XXXX will not accept this finding and is calling it an internal bank error by bank of america. I have spent over 20 hours on this matter and only way to resolve this is if bank of America can show XXXX the findings of audit as XXXX has refused to call back office of B of A. Please help end the madness as I deserve this money and shouldn't have been subjected to this.

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 2022-08-13 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: AR

Complaint narrative:
I have been working to have the Three Agencies Experian, XXXX and XXXX to remove and delete fraud accounts from my credit report and they either have been busy or ignoring my request. Ive sent letters on my behalf and have not received and adequate response. The accounts in reference are the ones below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts are needed further investigation and removal by the 3 bureaus Experian 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 explanation
Consumer complaint received 2022-08-13 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: EQUIFAX, INC.
State: WI

Complaint narrative:
Saturday, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Wisconsin XXXX SSN : XXXX | XXXX : XX/XX/XXXX Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX I recently reviewed my credit report and found unauthorized inquiries. 

I have already contacted the creditors below and they have not provided me with any proof that I initiated such inquiries, nor provided me with written authorization or any permissible purpose. Since they do not have my authorization, written nor verbal, I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

As you know, according to Section 604 of the Fair Credit Reporting Act, Permissible Purposes of Consumer Reports 15 U.S. Code 1681b, Subsection ( a ), the below creditors have not demonstrated any allowable permissible purpose - and any consumer reporting agency may furnish a consumer report under those circumstances and no other. 

The following inquiries are unauthorized, and I ask that you DELETE them : Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13 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: TX

Complaint narrative:
To Whom It May Concern : I Consumer XXXX am writing this letter in an effort to remove inaccurate information that has been falsely placed upon my credit report. The following information placed on my file has seriously burdened my consumer credit worthiness, credit standing, credit capacity, character, general reputation and personal characteristic. Pursuant to the Fair Credit Reporting Act,15 U. S. C. 1681 ( b ) it is imperative that credit bureaus maintain and report accurate information. The above account was classified as a discharge, therefore XXXX XXXX was compensated for the alleged loss through tax credits. Thus, this information should be removed IMMEDIATELY. In addition, XXXX XXXX has violated the FDCPA by sending incomplete debt collection validation information. Alleged Creditor : 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 : N/A Violations : The above account does NOT follow the FDCPA 12 CFR 1006.34 ( c ) ( 1 ), FDCPA 12 CFR 1006.34 ( c ) ( 2 ) ( i ) - ( v ) :34 ( c ) ( 2 ) ( ix ), FDCPA 12 CFR 1006.34 ( c ) ( 3 ), FDCPA 12 CFR 1006.34 ( c ) ( 4 ) and is in violation. By the provisions of the Fair Credit Reporting Act, I demand that this item be investigated and removed from my credit report. In addition, please send an updated/revised credit report to me after these accounts have been deleted. Your prompt attention to this matter is greatly appreciated. Sincerely, XXXX 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 explanation
Consumer complaint received 2022-08-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
Paid off my principle in full and now the mortgage company keep after me for me to sell off my home. I've not asked for a pay-off. They are doing everything on their own including force pay off amounts made for 25 % total sell of home stating that the amount they should receive is over {$57000.00} or I need to make arrangements to pay them this amount??? It sounds like a threat to myself and others who is aware of this on going problem now for greater than several years. It appears this company has no consideration for moral / legal business practice or consideration for what emotional or physical problems they might be creating or contributing to based on unnecessary stress. I'm XXXX  and on a fixed income and doing the best I can with what I have. It's the same mortgage company but the name and hands has changed maybe three times over the 15-20 years. I requesting assistance asap. I'm upset with this continued abuse and seeking help at this time. I've reached out many times and because they out source no one seems to be able to assist. They seem to do as they please. Treating folks like they have NO rights. Thank you for any help!

Company response to consumer: Closed with explanation