vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-09 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: NJ

Complaint narrative:
I opened a Citi priority checking account on XX/XX/XXXX. And I transfer {$10000.00} from XXXX XXXX  to this Citi checking account. Then my citi checking account was closed on XX/XX/XXXX. 

I submit the complaint through CFPB, and the Citi respond me on XX/XX/XXXX said they will issue me an official check to refund me. But on XX/XX/XXXX, they send me another letter said that we can not verify the funds in the account. They asked me to contact the sending institution and have them debit the account via an Automated Clearing House ( ACH ) transaction. 

I asked the XXXX XXXX, they said the transaction is already finished. They can't do anything about it. I just want Citi to give my money back.

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 2022-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
I opened up a dispute for {$2700.00} for a XXXX XXXX XXXX charge. I signed up for commercial auto insurance through this company and had problems from the initial sign-up. Navy Federal asked me for a copy of the correspondence with the company and any additional correspondence showing they did not fulfill their side of the obligations. I uploaded those documents on time through their portal. Navy Federal never called me for additional verification or with any questions, they just canceled out the temp credit, and now my account is negative for {$2700.00}. I have contacted Navy Federal, and I am not getting many answers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-09 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Global Lending Services LLC
State: AL

Complaint narrative:
I have submitted a compliant with this office on XX/XX/2022 about several accounts on my credit report that are inaccurate and not mines. I have sense then checked my credit report and its states the items were verified so I reached out and asked for some information on when where and who were spoken too. I have not received a response I have an account with all three companies and each has different information. Global lending services which says a repossession and on XXXX it states open and on time I request that all unverified items be removed from my credit report immediately this has been more stressful than dealing with XXXX. Which I have been a victim of 2 times causing me to loose pay and have a XXXX and now to top it all off I have inaccurate items on my credit which is affecting me to purchase a home. I also want to complain on the CFBP for not assuring and communicating with me in response to my issues I am owed a fair and accurate credit report by FCRA code 809b and 610a.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CLGF Holdco 1, LLC
State: GA

Complaint narrative:
I made a payment in full to clear my account balance. I received a confirmation of my payment and a statement in the mail thanking me for my payment along with the statement showing that i clearly had a 0 balance and my full available credit limit. My credit report shows my account is paid in full and has a 0 balance but i can not swipe the card to make a purchase. The funds are well processed from my bank and verified as paid per the information they have provided. I have gotten various dates for release from customer service representatives including tomorrow, or friday and I'm pretty much confirming that this isn't any verification that's needed as much as it is me paying for a product and not allowed to use it until Milestone credit card company gets ready.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
I was notified of a new item reflecting on my credit report by XXXX credit reporting agency. When I logged into review I saw that Capital One my auto loan was reporting incorrect information. 
I filed XXXX XXXX last year however the auto loan was not included with that and Capital One reaffirmed my loan. 
On the credit report they are showing this included in the XXXX and are reflecting no payments of any sort on my account. I have contacted my attorney and I was informed and verified this was reaffirmed. 
XX/XX/XXXX I filed a dispute through XXXX stating the information reporting was incorrect. XXXX notified me the same day that the dispute was resolved. I again filed a dispute for the XXXX time on XX/XX/XXXX stating the balance, payment and reporting this as included in XXXX was incorrect. XX/XX/XXXX they completed the dispute again nothing updated by my lender still stating included in XXXX  XXXX but now with a balance and no payment. 
I called Capital One XX/XX/08 and spoke to lady we will call ID XXXX was not able to understand her name after asking for her to slow down a couple times. Anyway, I asked to speak to someone about the account not reporting correctly. I was told she can not help me with that i have to do this in writing or by fax. I asked again for her to explain why and she stated that department will assist in Bankruptcy questions. As I explained my account was reaffirmed she gave me the information to fax my concerns to. 
XX/XX/XXXX I faxed capital one a copy of the reaffirmation agreement, copy of my timely payments made all prior to due date, copy of email from my attorney to them regarding the affirmation as well as copy of the dispute findings. 

I was not contacted nor have I received any emails to my request. I am done trying to get them to respond and ignore my plea to correct this information error on my account i have in good standing is reporting correct. I also informed them i have not received any statements for that account and i asked to have them start to mail me copies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc
State: SC

Complaint narrative:
On XX/XX/2022 XXXX XXXX XXXXXXXX by Hunter Warfield flagged my credit files with inaccurate/unverified collection information. Their account was updated XX/XX/2022 Please be advised that Hunter Warfield are not Holders in Due Course ; no services or good were received from Hunter Warfield and I have not agreed to pay/tender anything to Hunter Warfield on behalf of anyone for any reason. Hunter Warfield have not provided any documents or itemized statements VIA MAIL proving I owe a debt to them. 
Proper documentation from Hunter Warfield was NOT provided to me to allow Hunter Warfield to verify the accuracy of their data before placing their accounts with the credit bureaus for collection. This proves DEBT COLLECTOR is not an honorable/honest business.

I have not provided signed wet-ink releases of my private living arrangements to Hunter Warfield .

Hunter Warfield do not have my permission to contact me on my private line attempting to collect on debts that do not belong to me. I will reply VIA MAIL and I can only be contacted via mail. Hunter Warfields reply outside of the CFPBs portal, must be delivered via the postal service. If the envelope is not properly stamped by the postmaster ; it will be returned to sender due to mail fraud. Please abide by all mail codes. All calls are recorded for my safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 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: MI

Complaint narrative:
This complaint to Experian result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed or corrected from my credit reports. Now, I would like to ask for your help to get rid of these items or have Experian get back to me with regards to the issue. Here are the items that concern me :

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 2022-03-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: DE

Complaint narrative:
On, XX/XX/22, I attempted to complete a transaction on Cashapp. The transaction was denied stating my bank denied it. I then looked into the linked account in my app. My linked account is from my XXXX XXXX accout, but Cashapp has a XXXX account listed. This would not update nomatter how many times I tried. I called my bank to see if the money was pulling from my account, they had no record of the attemted transaction. I called cashapp, their phone line disconnects your call no matter what time a day. I got on the chat portal to resolve my issue. The chat advocate did not understand and refused to connect me to a different advocate or management like I asked. I told them there. My account shows my bank account as the linked account, but has the money I am trying to send pulling from someone elses XXXX account. They refused to help me fix this issue. No my account is linked to a mystery XXXX  account and I can't unlink it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Add-on products and services
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
I had got a BestBuy credit card and signed up for auto payment and e-statement for each month I was getting my statements, but they did not show any charges. I just got the Your XXXX Annual Account Summary report from BestBuy and seen over past year there was around 700 dollars worth of charges around 110 dollars each month for some debt protection fees. I never would have signed up for this if I was properly informed about it and the fact that it was not showing up as charges each month is looking like unfair practices to me. I called the XXXX number and got redirected three times before I got someone who cancelled the program. I asked for proof that I was informed and signed up for this program and was told it could take 30 days before I am sent anything. I think sense I was not shown each month this charge was happening I should be allowed to receive a refund of these charges as I did not even see this until the summary report came out and I seen this in it. 

Miscellaneous XX/XX/XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Seeing this report and looking into it I have seen I have also been charged for XXXX and XXXX of XXXX so far as well XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX I have looked online and seen that Citybank has already been forced to pay back money for Deceptive Marketing from this debt protection stuff. 

I made a big purchase in XXXX but before that I have almost always payed off the card sense I had it and never seen these charges before.

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 2022-03-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: U.S. BANCORP
State: WA

Complaint narrative:
I have tried multiple times to contact U.S. Bank regarding my credit card. I have been unable to log into my account for 6-8 weeks. I have a new phone number, which I had updated, but they did not make a change to using it as account recovery. Therefore, when I try to reset my password it will not allow me. I have not had access to my account to review any charges, verify accuracy of my bill, or make an online payment. I have called them via phone in XXXX, XXXX, and again today XX/XX/XXXX. Today, I learned that they did not update my account properly and that I will take 3 business days to correct. I requested to speak to someone in their credit department as I wanted to request they remove the negative remarks since it was their error that did not allow me to view or pay my bill online. I spent 54 minutes on the phone but was disconnected. I called back, spent another 5-10minutes on the phone and was disconnected. I called a 3rd time and was told no one would help me unless I paid my bill and when I requested a supervisor the call was again disconnected. I do not think I should be at fault when U.S. Bank has not provided me with the ability to view and pay my bill online. I can bring my account current once I finally gain access to my account ( supposedly on XX/XX/XXXX yet my next billing date is XX/XX/XXXX so they will report me for a 3rd month ).

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 2022-03-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am XXXX XXXX, Capital One Bank customer from XXXX. I havenever seen such terrible service from this bank like thesedays. 
The whole story : On XX/XX/XXXX my account was locked because of suspiciousactivities. I was trying to make {$500.00} transaction with XXXX XXXX. I spent 1.5 hours confirming my identity, uploading my driver 's license. The account was unlocked finally, but when I tried to use it again it was locked againand Customer service advised me to replace a card.I received a newcard in 3days, and I was able to make one transaction for {$500.00} on XX/XX/XXXX. Then the second transaction for {$200.00} to the same XXXX XXXX XX/XX/XXXX failed, and the accountwas locked again.Today I spent XXXX hours on a phonewith Customer service, and as a result, I was requested to submit 3 more documents to verify my identity. And this time, verification will take up to 10 businessdays. Moreover, I could not submit thosedocuments because the upload link provided by email is not working consistently. I called Customer service again and got an answer that they could not help me with thisissue.On my question, if I have a locked account again would I need to submit another set of documents, I got theanswer that it is unpredictable.As of now, I spent4 hours already trying to resolve the simple issue and I am thinking if I need such service inthe future. Just imagine if I was abroad, and I have to pay for something urgently!!! I understand their concern about fraud activities, but I think it is unreasonableto make customers suffer from the unprofessional way of doingbusiness.As an example, the same kind of verification in XXXX took me 10 min last year. And today I used my XXXX card to make the same transaction with no issues.I am working in the banking industry for almost 20 years and I have never seen such negligence in treating customers. I think they owe me an apology for treating me as a thief. I can not teach them how to do business, but the way they are doing it is unacceptable. People do not have to spend 1 month to make verification in order to use their card account. Now it can be done within minutes, if required. I can tell you this as a professional in this area.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-09 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: NJ

Complaint narrative:
XX/XX/XXXX a XXXX XXXX  account was open in my name for XXXX. This XXXX jewelry account is inaccurate its not mines and I didnt open it.I lost my wallet in XXXX also my info is on the dark web according to experian. They couldnt have used my current ID because I have it if an ID was even used because I have a fraud alert on my account and didnt even receive a call to my telephone number before they ran my credit. I paid a few payments simply because I did not want it to effect my credit score. I thought this would be resolved by XXXX but it isnt. I contacted my credit bureau and still nothing they arent assisting me because XXXX is stating the information is accurate, this been going on for a year. I need some assistance. I have never been late on a payment ever this fraudulent account is coming into my livelihood. I shouldnt be responsible for a fraudulent account.

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 2022-03-09 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: NV

Complaint narrative:
I happened to check out what was going on with my credit report. I noticed an inquiry that does not belong to me. Please remove this from my credit report immediately as this is poor judgment with on my credit worthiness. 

XXXX XXXX XXXX XXXX XXXX Federal Government Inquiry date : XXXX XXXX, XXXX XXXX  Specialty Clothing Store Inquiry date : XX/XX/XXXX XXXX XXXX Tenant Screeners ( Reseller ) Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Tenant Screeners ( Reseller ) Inquiry date : XX/XX/XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX XXXX XXXX ( Bank XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/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 2022-03-09 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: NV

Complaint narrative:
I happened to check out what was going on with my credit report. I noticed an inquiry that does not belong to me. Please remove this from my credit report immediately as this is poor judgment with on my credit worthiness. 

XXXX XXXX XXXX XXXX XXXX Federal Government Inquiry date : XXXX XXXX, XXXX XXXX  Specialty Clothing Store Inquiry date : XX/XX/XXXX XXXX XXXX Tenant Screeners ( Reseller ) Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Tenant Screeners ( Reseller ) Inquiry date : XX/XX/XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX XXXX XXXX ( Bank XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  ( Miscellaneous ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 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: Sunbit, Inc.
State: IL

Complaint narrative:
I have been in contact with SUNBIT since XXXX 2022 in regards to two accounts showing on my credit report. I have tried disputing this with them directly to get it removed pursuant 15 USC 1681b ( a ) ( 2 ). There is no law that states SUNBIT is able to or required to furnish a consumer report in my name without my permission. It is a violation of my federally protected consumer rights. Pursuant 15 USC 1681b ( a ) ( 2 ) of the FCRA states, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. I did not give SUNBIT or its affiliates written permission to furnish a consumer report. These accounts have put a negative look on my credit report and is affecting my reputation as a federally protected consumer.

Additionally, 15 USC 1681 ( 602 ) of the FCRA states, " It is the purpose of this title to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this title. '' It is clear that the FCRA is protecting the consumer and not the consumer reporting agencies by stating " reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer ''. SUBITS 's procedures are not fair and equitable to me as a consumer. Also their procedures are not confidential or proper and they are not in compliance with the requirements of this title if they have not received written instruction from me pursuant 15 USC 1681b ( a ) ( 2 ) ( 604 ). In order for SUNBIT to be in full compliance with the FCRA, they need my permission pursuant 15 USC 1681b ( a ) ( 2 ) ( 604 ), to furnish a consumer report. 15 USC 1681 ( 602 ) does not give permission to furnish a report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
XXXX dollar debt was charged to XXXX  XXXX bank, that was not account I did not open. I have filed a report with the fraud department as well

Company response to consumer: Closed with explanation