vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
XXXX and XXXX XXXX and Capitol one the number on the credit card was stolen I was notified by C/O of this they cancelled out the number were supposed to send a new card never did continue to pay amount on bill then C/O stop accepting payment then they blow the amount to {$5700.00} dollars you try to explain the situation then the finger pointing starts with C/O and XXXX XXXX XXXX XXXX and I'm caught in the middle all they have to do is look in there computer and they will see it but again neither one will do that my wages are garnished now which is wrong they dropped the ball not me.you can't talk to neither of these idiots right now

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Hello, I was laid off last early-spring and as a result, my account balance was quite low. I had a Wells Fargo checking account ( ending in XXXX ) that I stopped using for purchases as a result. On XX/XX/2022 my account had an available balance of {$11.00}. A {$6.00} credit posted on and my balance posted at {$17.00}. Two ETF debits then posted and the acount balance went negative to $ XXXX. Then Wells Fargo allowed several more ETF 's to occur and brought my account down to $ XXXX. Of that amount, $ XXXX was ETF and the remaining amount was overdraft fees. I stopped using ym debit card and they continued to allow funds to be withdrawn and rack up fees. When I didn't pay the fees and asked for a review of the account activity, they told me that I needed to pay them and closed the account. I'm currently on a checking account watch list as a result. I've reached out to the bank to discuss the situation, but they have provided me little more than the 'account disclosures ' associated with this account. This has to predatory.

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 2022-11-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aargon Agency, Inc.
State: CA

Complaint narrative:
Company has repeatedly had to remove and keeps re adding debt someone uses my social security number at hospital and defrauded me. This is not my debt and they are harassing everyone In my family daily, sometimes a foreign guy is threatening to come kick my 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 2022-11-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I went online on a website XXXX XXXX XXXX XXXX XXXX. I received a text from a contact form I filled out. We talked by text, and then by phone. We agreed on sell of a kitten. {$550.00} on XX/XX/2022. I used XXXX through my bank, Capital One. The money was transferred. I set up a time to pick up the kitten and went to pick up the kitten. The person did not show and stopped responding to texts or calls. This individual tried to scam me again by asking to ship the animal for another amount before they stopped responding at all. I contacted my bank immediately. Reported the incident as fraud, gave all the texts and information about the transaction. Capital One, which is XXXX of the XXXX large banks that own XXXX XXXX XXXX which owns XXXX. Capital One is trying to deny refunding my bank account for the {$550.00} by saying it wasn't a fraudulent charge since I was the one who made the transaction. This is not what was questioned to begin with. This transaction, and however many more this person has been allowed to make through XXXX with other people, are scams. They are taking people 's money and the banks are doing nothing about it. And, then the banks refuse to refund the money. I want Capital One to return my {$550.00} that was sent, and I want Capital One and the other banks to start investigating and tracing down the people they are allowing to scam people through their banking systems.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
In XX/XX/2021 my Amazon CHASE CARD, was hacked. I immediately called Chase and closed the card. Chase Bank not only did NOT close the account but issued new accounts to the fraudsters in California-I live in Florida enabling the thievery to continue. The Fraudsters continued to charge up to XXXX dollars-with statements sent to CA so I was unaware they did not close the account. After no joke-over XXXX phone calls and the phone run around it can not get this resolved. 
I went to file and Police report, and they requested the statements from XXXX XXXX. After giving them my correct address-they sent the statements to the Fraudsters in California as well a fraud paperwork I was to fill out-not once but TWICE. 
As of yesterday I was unaware Chase kept an account STILL OPEN under my name. 

I have been lied to " we don't have a legal department, '' " I closed the account, '' " I mailed you the statements. '' CHASE BANK is RESPONSIBLE FOR NOT CLOSING THE ACCOUNT, ISSUING COUNTLESS ACCOUNT AND ENABLING THIS TO CONTINUE FOR ALMOST XXXX YEARS. I HAVE CONTACTED LEGAL COUNCIL AND AM READY TO SUE FOR NEGLIGENCE, HARASSMENT, SHARING MY PRIVATE INFORMATION, LYING, AND XXXX YEARS OF STRESS AND ANXIETY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: MI

Complaint narrative:
This company is acting as a debt collector, and I do not recall giving them permission to contact me ( which they have NOT ) But, under more scurinty they have placed this public debt on my records to XXXX  and degrade my character as if I do not pay debts owed to me. 
I request for admissions XXXX. The original wet blue ink contract with this XXXX. Consent I have given to you to contact me and put this alleged debt on a public record? 
XXXX where do private people have public debt? 
XXXX. What law says that private people are debtors XXXX. Do you operate under Title 12?

I am a private living soul, discharged from my mother 's waters and I know private people can not have public debt, so there is nothing to. There's nothing to " discharge '' or to discharge with. This alleged debt, is causing an interference with my pursuit to enjoyment of livelihood refraining me from access to housing for my child, therefore interfering with my children 's well life and pursuit of happiness. 

If by any chance you can not answer all questions, that would be deemed as incomplete, and result in admission and default to the solution offered. If unanswered I will move forward with the filings of a 42 USC 1983 suit. 

WITH MUCH LOVE, WITHOUT RECOURSE WITHOUT PREJUDICE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 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: Global Lending Services LLC
State: TX

Complaint narrative:
ACCORDING TO 15 U.S. CODE 6803-DISCLOSURE OF INSTITUTION PRIVACY POLICY, AND ACCORDING TO U.S. CODE 6802- OBLIGATIONS WITH RESPECT TO DISCLOSURES OF PERSONAL INFORMATION. ( b ) OPT OUT ( 1 ) IN GENERAL A FINANCIAL INSTITUTION MAY NOT DISCLOSE NONPUBLIC PERSONAL INFORMATION TO A NONAFFILIATED THIRD PARTY ( XXXX, XXXX, AND XXXX. ) UNLESS- ( A ) SUCH FINANCIAL INSTITUTION CLEARLY AND CONSPICUOUSLY DISCLOSES TO THE CONSUMER, IN WRITING OR IN ELECTRONIC FORM OR OTHER FORM PERMITTED BY THE REGULATIONS PRESCRIBED UNDER SECTION 6804 OF THIS TITLE. ALSO ACCORDING TO THE " GRAMM-LEACH-BLILEY ACT XXXX', FINANCIAL INSTITUTIONS MUST TELL THEIR CUSTOMERS ABOUT THEIR INFORMATION-SHARING PRACTICES AND EXPLAIN TO CUSTOMERS THEIR RIGHT TO " OPT OUT '' IF THEY DON'T WANT THEIR INFORMATION SHARED WITH CERTAIN THIRD PARTIES. UNDER THE FDCPA, A COLLECTOR MUST PROVIDE YOU WITH INFORMATION ABOUT THE DEBT IN ITS INITIAL COMMUNICATION OR WITHIN FIVE DAYS AFTER THE INITIAL COMMUNICATION. ALSO, THE FDCPA STATES, " YOU CAN NOT ATTEMPT TO COLLECT AN DEBT WHILE A PERSON ( THE CONSUMER ) SUPRESS VALIDATION. XXXX, XXXX, XXXX, AND THE ACCOUNTS LISTED BELOW HAVE CLEARLY VIOLATED MY RIGHTS : XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX  ACCOUNT # XXXX FAILURE TO RESPOND SATISFACTORILY WITH DELETIONS OF ALL THE ABOVE ACCOUNTS WILL RESULT IN LEGAL ACTIONS BEING TAKEN AGAINST, XXXX, XXXX, XXXX, WHICH I'LL BE SEEKING A {$1000.00} PER VIOLATION FOR DEFAMATION OF CHARACTER ( PER SE ) NEGLIGENT ENABLEMENT OF IDENTITY FRAUD. 15 USC 1681 VIOLATIONS FOR WILLFUL NONCOMPLIANCE-616 CIVIL LIABILITY FOR WILLFUL NONCOPLIANCE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Sent to Consumer Finance on XXXX at XXXX XXXX  : ANOTHER THEFT OMITTED WITHDRAWAL : XXXX at about XXXX XXXX  Amount : {$3.00} OTHER THEFTS : XXXX XXXX United States of America XXXX : XXXX XXXX XXXX XXXX XXXX : Citibank Citibank admitted to omitting transactions out of my account in the amount of : $ XXXX ; $ XXXX and XXXX -- -- Representative XXXX never returned call as expected to discuss the THEFT or issue refund on XXXX. 

Conversation Details : Theft is by creating duplicate for purchases to hide omissions and Citibank will tell the client " I do not see the transaction! '' Blind transactions -- -- money taken out via a loophole affecting audit yield. 

Representative XXXX is conducting 'research ' on my Citibank account as per his statement today XXXX ; XXXX stated that he will call me during his night shift : Advisor : XXXX XXXX Citibank ID : XXXX ) at about XXXX XXXX  today XXXX ; XXXX XXXX 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 2022-11-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I incurred an interest charge for paying my XXXX balance statement on XX/XX/22 instead of the due date on XX/XX/22. Since I paid my following balance statement ( XXXX ) in full and on time ( XX/XX/22 ), I should have not accrued any further interest. However, I received a second interest charge for almost identical amounts without any valid explanation. The first interest was charged on XX/XX/22 for {$64.00} while the second one was on XX/XX/22 for {$65.00}. 

After failing to receive proper customer service on the matter, I submitted a dispute which was not resolved on my favor without any further communication or discussion. I am still unaware of the reasons for the second interest charge and confused as to why the bank refuses to contact me directly with a valid and acceptable explanation. Their communication and assistance has been poor at best.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
AtXXXX XXXX  Wednesday XXXX XXXX texting with ( XXXX ) XXXX ( sms/mms ). 
Yesterday I got a text message on my phone ( XXXX XXXX saying that I sent a payment to XXXX XXXX from PayPal Amount:XXXX XXXX reference ID : XXXX if not me? XXXX to dispute. 
So I called, some XXXX  answered and the put over to his supervisor XXXX XXXX another XXXX  voice. He told me they would have to go to my PayPal account, but I have a hard time with computers and phones so he directed me to my XXXX XXXX account. He told me to touch them clock symbol so I did then to touch home symbol then the add cash then go to my profile then to my debit card. Then I xed out of that page and went to then touch the XXXX dots I did then punch in XXXX and hit add cash and to confirm it. I did this a number of times with different amounts XXXX. All those amounts failed except XXXX this money went to some person called XXXX XXXX. So that person has XXXX of my money. $ XXXX. Then I said wait a minute you just took my money, he kept saying that I would get it back. Now he tells me to go to XXXX, XXXX or anywhere that I could get a XXXX gift card from XXXX or XXXX, or XXXX. He said to purchase it and give him the numbers. I didn't do it cause I don't have that kind of money and don't want to lose another XXXX. I'm on XXXX retirement He said I would get it all back. I was thinking XXXX no. He kept saying it was for security reasons. 
Is all of this sounding liget to you. It doesn't to me. Please get my XXXX ASAP. This person sent me a E mail saying he works at Consumer Financial Protection Bereau.Said he's liget I still don't believe it. As nd gave me a ref : XXXX reason has been given due to Identity theft as per PayPal XXXX. Signed XXXX XXXX Consumer Financial Protection Bereau. If this is legit please let me know. Cause doesn't sound like it to me. Thank you, XXXX XXXX XXXX E mail is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 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: TX

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below. 

I have already disputed these items below, but the bureaus have not removed them or proved validation. 

Sec. 602 State, I have a right to privacy. 

XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  XXXX XXXX  Account Number : XXXX XXXX XXXX  XXXX Account XXXX : XXXX XXXX Account Number XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 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: Conn's, Inc.
State: TX

Complaint narrative:
ACCORDING TO 15 U.S. CODE 6803-DISCLOSURE OF INSTITUTION PRIVACY POLICY, AND ACCORDING TO U.S. CODE 6802- OBLIGATIONS WITH RESPECT TO DISCLOSURES OF PERSONAL INFORMATION. ( b ) OPT OUT ( 1 ) IN GENERAL A FINANCIAL INSTITUTION MAY NOT DISCLOSE NONPUBLIC PERSONAL INFORMATION TO A NONAFFILIATED THIRD PARTY ( XXXX, XXXX, AND XXXX. ) UNLESS- ( A ) SUCH FINANCIAL INSTITUTION CLEARLY AND CONSPICUOUSLY DISCLOSES TO THE CONSUMER, IN WRITING OR IN ELECTRONIC FORM OR OTHER FORM PERMITTED BY THE REGULATIONS PRESCRIBED UNDER SECTION 6804 OF THIS TITLE. ALSO ACCORDING TO THE " GRAMM-LEACH-BLILEY ACT '', FINANCIAL INSTITUTIONS MUST TELL THEIR CUSTOMERS ABOUT THEIR INFORMATION-SHARING PRACTICES AND EXPLAIN TO CUSTOMERS THEIR RIGHT TO " OPT OUT '' IF THEY DON'T WANT THEIR INFORMATION SHARED WITH CERTAIN THIRD PARTIES. UNDER THE FDCPA, A COLLECTOR MUST PROVIDE YOU WITH INFORMATION ABOUT THE DEBT IN ITS INITIAL COMMUNICATION OR WITHIN FIVE DAYS AFTER THE INITIAL COMMUNICATION. ALSO, THE FDCPA STATES, " YOU CAN NOT ATTEMPT TO COLLECT AN DEBT WHILE A PERSON ( THE CONSUMER ) SUPRESS VALIDATION. XXXX, XXXX, XXXX, AND THE ACCOUNTS LISTED BELOW HAVE CLEARLY VIOLATED MY RIGHTS : CONNS APPLIANCES INC ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  ACCOUNT XXXX XXXX  ACCOUNT # XXXX FAILURE TO RESPOND SATISFACTORILY WITH DELETIONS OF ALL THE ABOVE ACCOUNTS WILL RESULT IN LEGAL ACTIONS BEING TAKEN AGAINST, XXXX, XXXX, XXXX, WHICH I'LL BE SEEKING A {$1000.00} PER VIOLATION FOR DEFAMATION OF CHARACTER ( PER SE ) NEGLIGENT ENABLEMENT OF IDENTITY FRAUD. 15 USC 1681 VIOLATIONS FOR WILLFUL NONCOMPLIANCE-616 CIVIL LIABILITY FOR WILLFUL NONCOPLIANCE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 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: Mid-Atlantic Finance Co., Inc.
State: TX

Complaint narrative:
ACCORDING TO 15 U.S. CODE 6803-DISCLOSURE OF INSTITUTION PRIVACY POLICY, AND ACCORDING TO U.S. CODE 6802- OBLIGATIONS WITH RESPECT TO DISCLOSURES OF PERSONAL INFORMATION. ( b ) OPT OUT ( 1 ) IN GENERAL A FINANCIAL INSTITUTION MAY NOT DISCLOSE NONPUBLIC PERSONAL INFORMATION TO A NONAFFILIATED THIRD PARTY ( XXXX, XXXX, AND XXXX. ) UNLESS- ( A ) SUCH FINANCIAL INSTITUTION CLEARLY AND CONSPICUOUSLY DISCLOSES TO THE CONSUMER, IN WRITING OR IN ELECTRONIC FORM OR OTHER FORM PERMITTED BY THE REGULATIONS PRESCRIBED UNDER SECTION 6804 OF THIS TITLE. ALSO ACCORDING TO THE " GRAMM-LEACH-BLILEY ACT XXXX, FINANCIAL INSTITUTIONS MUST TELL THEIR CUSTOMERS ABOUT THEIR INFORMATION-SHARING PRACTICES AND EXPLAIN TO CUSTOMERS THEIR RIGHT TO " OPT OUT '' IF THEY DON'T WANT THEIR INFORMATION SHARED WITH CERTAIN THIRD PARTIES. UNDER THE FDCPA, A COLLECTOR MUST PROVIDE YOU WITH INFORMATION ABOUT THE DEBT IN ITS INITIAL COMMUNICATION OR WITHIN FIVE DAYS AFTER THE INITIAL COMMUNICATION. ALSO, THE FDCPA STATES, " YOU CAN NOT ATTEMPT TO COLLECT AN DEBT WHILE A PERSON ( THE CONSUMER ) SUPRESS VALIDATION. XXXX, XXXX, XXXX, AND THE ACCOUNTS LISTED BELOW HAVE CLEARLY VIOLATED MY RIGHTS : XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX ACCOUNT # XXXX FAILURE TO RESPOND SATISFACTORILY WITH DELETIONS OF ALL THE ABOVE ACCOUNTS WILL RESULT IN LEGAL ACTIONS BEING TAKEN AGAINST, XXXX, XXXX, XXXX, WHICH I'LL BE SEEKING A {$1000.00} PER VIOLATION FOR DEFAMATION OF CHARACTER ( PER SE ) NEGLIGENT ENABLEMENT OF IDENTITY FRAUD. XXXX5 USC 1681 VIOLATIONS FOR WILLFUL NONCOMPLIANCE-616 CIVIL LIABILITY FOR WILLFUL NONCOPLIANCE

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Deposit {$3000.00} but atm only showed {$600.00} so I hit cancel to return my money but it only gave me {$1000.00} and kept the other {$2000.00}

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 2022-11-10 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 — Card was charged for something you did not purchase with the card
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
I had fraud charges hit my Vystar debit and credit card in XXXX this year. I immediately reported the fraud the same hour. I asked them to stop all transactions, All but XXXX of these transactions were still pending when I contacted Vystar. 

Vystar reimbursed me on my Debit Card XXXX and my Credit card XXXX These charges were from XXXX, I believe they were from XXXX XXXX, XXXX After 30 days Vystar reversed the XXXX credit on my debit card saying I gave access to my computer and therefore the IP address. I explained to Vystar that I was led to believe it was a legitimate streaming service and it was a technician helping me with a problem on my streaming service and gave access to my computer under false pretense. 

They then refunded me the XXXX charge once again Then 60 days later Vystar took back the XXXX credit they had given me on my credit card for the same reason. 

Again, I explained to them what happened but the fraud manager refused to give me back the credit and then froze my debit and credit card stating I was a security threat. 

This happened one time and over 3 months ago and now they chose this action on me. 

I simply want to be refunded the XXXX they initially credited to me 3 months ago They refused to work with me on this matter. Not only is their a wrongful XXXX in charges on my credit card but I am getting hit with huge interested charges on it. 

Thank you and I hope you can help me deal with this 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
Consumer complaint received 2022-11-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southern Management Systems Inc.
State: NJ

Complaint narrative:
Hello, I received a debt collection letter ( via XXXX mail ) from : Southern Management Systems , Inc XXXX XXXX XXXX XXXX XXXX, Fl XXXX ( XXXX ) XXXX XXXX Amount : {$100.00} Date : Between XX/XX/2022 and XX/XX/2022 I don't know what this is about as no other correspondence, bill or details have ever been sent to me. I have tried calling them during business hours but there is no voice mail box and no one picked the call. 

I need help as I don't have any other way to contact them. 

Thanks you,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 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: CITIBANK, N.A.
State: WA

Complaint narrative:
On XX/XX/XXXX. A hard inquiry was done for a CITI Costco card which was approved and sent to me. I did not apply for this. On the day it came in, I called CITI and they cancelled the card. On XX/XX/XXXX I received a letter from CITI asking for clarification of a suspicious purchase. I called in and found that while the card had been cancelled, the account itself was still active. It is now closed. I did receive the information that there was a name of XXXX XXXX attached to the account. ( I do not know this person ) I called XXXX to have the inquiry removed from my credit report and that is where I am at now.

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