vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I opened a checking and a saving account at citibank in XX/XX/XXXX and funded both accounts. With no explanation or communication, citi blocked my access to my funds. After numerous calls, the reason ( still not made clear to me ) is they speculated there's some sort of fraud associated with how the account application was from two addresses. I receive mail at two homes, which can not be that uncommon. 

I've spent HOURS and called citi over two dozen times in the past 6 months, trying to satisfy odd requests for documentation, receiving no communication whatsoever from citi after their review of the documentation. 

Finally, on XX/XX/XXXX I again called and was told " the accounts were being processed for closure. '' I confirmed that the check was to be mailed to one of my addresses. On XX/XX/XXXX having not received the check I called again and was then told it might take up to 30 days to receive the check. 

On XX/XX/XXXX, I called again and was told the accounts were STILL being processed for closure, but now they told me it would take 30 to 60 days! 

It is XX/XX/XXXX and now over 60 days from when they said they were closing the accounts and still I have no check. The accounts are still blocked. The funds are still in the accounts and I can not get access to my own money. It is tantamount to theft that citi has MY money and will not release it.

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 2021-07-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
This debt collector no longer has the account. When I went to the website it says I owe XXXX dollars. When I contacted them about it they informed me they no longer had the debt. I asked them to remove the account and they said they wouldnt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-04 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NE

Complaint narrative:
on XX/XX/XXXX I was a victim of an armed robbery In XXXX XXXX My wallet and my phone were taken from me. The police were called but did not show up and I got on the plane to fly home, the credit cards were used and all but Bank of America credited the charges back. They sent me a letter because the chip was verified I was responsible It a total of 6 charges for {$860.00}. 
I even sent them a copy of my airline ticket that shows I was in Nebraska when the cards were used and they still denied my claim

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 2021-07-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I hope all is well, I just want to say thank you very much for allowing me to have a credit card with Capital One. I do apologize I was late XX/XX/2020 due to the pandemic I was having a hard time that month. Can you please remove the late on all three credit bureaus I really do apologize it wont happen again. Thank you for your time. Have a wonderful day and please be safe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-04 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: MD

Complaint narrative:
On XX/XX/2021, I'd applied for a one bedroom apartment with XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX, OH XXXX. On XX/XX/2021, community managers XXXX XXXX and XXXX XXXX sent an email notification to inform me that my application was denied. When I did not hear back from XXXX XXXX XXXX about the return of my security deposit in the amount of XXXX XXXX XXXX dollars, I'd ask my bank to dispute the amount of my security deposit. On XX/XX/2021, my bank credited my account with the security deposit in the amount of XXXX XXXX XXXX dollars. XXXX XXXX XXXX opened a collection account against me with National Credit Systems by creating a balance of XXXX XXXX XXXX XXXX dollars that I do not owe. National Credit Systems threatened that the balance with XXXX XXXX XXXX will damage my credit if I did not pay it. I do not owe this balance. My concern is not only for myself. XXXX XXXX XXXX  may be in the practice of charging prospective apartment renters for the money for security deposits that they never return to applicants who are denied rental apartments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF THE WEST
State: CA

Complaint narrative:
On XX/XX/XXXX, I opened my Premier Checking Account and my Choice Money Market Savings Account with the {$600.00} bonus offer. I went into the XXXX XXXX Branch on XX/XX/XXXX and made the qualifying deposits to satisfy the bonus requirements. The banker confirmed on that day that I was eligible for the {$600.00} bonus after the qualifying activities. 

However, on XX/XX/XXXX, the online service agent XXXX  XXXX declined the bonus without telling me the specific reason. Then on XX/XX/XXXX, XXXX XXXX asked me to contact the branch. Upon checking my account history, I have only received a bonus when previously residing at XXXX XXXX XXXX. I also received confirmation for successfully enrolling in this offer on XX/XX/XXXX. So I should have been qualified for this {$600.00} bonus offer. Since I am no longer in the XXXX  area, I am unable to go into the branch to ask them to investigate this offer. Would you mind checking it again and make the bonus available for me? Thanks.

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 2021-07-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I have sent out a letter to Capital One concerning my credit report. Due to suspicious activity on my credit report. I simply asked Capital One to validate and verify the information with ACCOUNT NUMBER : XXXX AMOUNT:XXXX  and ACCOUNT NUMBER : XXXX AMOUNT : XXXX, that they have on file concerning collections accounts and Hard inquiries that they are reporting on my credit report. They have failed to send me anything that validates or verifies what they are reporting. With failure to do so, this matter doesn't just affect me it effects my family too. I am unable to apply and get approved for a home, a vehicle for transportation, and getting a good job. I would like to be rectified of this matter immediately. I have been trying to get this matter under controlled but got nowhere after 30 days and then a second letter sent another 20 days so 50 days of waiting on a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/2021 I mailed a certified letter to Experian requesting that they update spelling of my name and correct my address on file. The post office tracking number shows that the letter was received on XX/XX/2021 by Experian. They never responded to my request.

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 2021-07-04 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: SC

Complaint narrative:
XXXX XXXX, 2020 Mr. XXXX XXXX XXXX noticed that his XXXX  Credit Report contained fraudulent information from the Credit card section of the report. This illegal illegal activity occurred without Mr. XXXX giving his permission or authorization and allowed me to contact Law Enforcement ( FBI and Secret Service ) in the XXXX XXXX, Texas jurisdiction that is the physical address of USAA Federal Savings Bank. 
The company ( USAA ) is not cooperating with the police investigation and recently was notified that the Consumer Financial Protection Agency was also involved with Law Enforcement on multiple accounts opened in my name and I require a written response from the President and CEOi about what the immediate action to stop this harassment by criminals that do not care about my 30 year membership and exceptional credit rating that is being destroyed without my permission. 
I want answers to this distasteful message from USAA and investigation with Impunity that will give much needed closure and Cash Settlement!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-04 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: LA

Complaint narrative:
I've been disputing my credit file with XXXX, Experian and XXXX to correct the errors found on my credit file that they disseminate. The 3 credit reporting agencies have received my certified letters and have not corrected the inaccurate accounts listed in this complaint. XXXX  comments in the creditor remarks that Consumer Disputes after resolution when in fact the account is still inaccurate ... .The 3 credit bureaus reports inaccurate accounts that has either not been investigated, no notice of dispute recorded, verified but still reports inaccurately, duplicate collection accounts, Re-Aged accounts, {$0.00} Balance closed accounts reporting a delinquent payment status, {$0.00} Balance closed accounts reporting an open account status, missing fields of closed dates, High Balance lower than Balance Owed, collection accounts that reports an open account status and past due amounts. This is unlawful reporting! After a year of disputing the credit bureaus remain in non-compliance and blatantly records negatively, this is damaging to my credit score and report ... ..Moreover the open accounts Payment data history does not coincide on any accounts, Revolving accounts creditor remarks reports amount in H/C column is credit limit. Revolving account high balance does not coincide, XXXX reports {$0.00} HighBalance on all my revolving accounts. XXXX Last payment does not coincide with XXXX payment data history, XXXX does not report my monthly payments made in the historical payment data history on any of my accounts. This type of recording is negative and damaging to my credit score and report and is in violation.

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 2021-07-04 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: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
On XX/XX/2021 I had a pre-approved letter from XXXX  XXXX XXXX for a autoloan. XXXX did not honor this request initially and I had to escalate to corporate before it was resolved. XXXX claimed they were not a pre-approved dealer by XXXX XXXX XXXX when they were. As a result I had multiple inquiries from unknown sources on my credit report that I did not authorize. Wish to have this inquiry removed.

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 2021-07-04 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: MD

Complaint narrative:
I am in disagreement with the items listed which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies and Misleading False Reporting are highly injurious to my credit rating.

All was Disputed on XX/XX/2021 No was not Taken

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 2021-07-04 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: MD

Complaint narrative:
I am in disagreement with the items listed which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies and Misleading False Reporting are highly injurious to my credit rating.

All was Disputed on XX/XX/2021 No was not Taken

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-04 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Ive called Bank of America several times over the past 10 years or so about this issue and the core has not been resolved. 

When making a credit card payment, they do not limit the payment to the remaining statement balance. The result is that if Ive received a refund or credit on my credit card during the month, that is not removed from the autopay amount, and my credit card ends up with a negative balance. The overpayment can lead to margin interest being charged at the other brokerage, or worse, an overdraft. 

Because the solution is so incredibly simple from an engineering perspective ( limit credit card payment to remaining statement balance ), Im convinced they are doing this to benefit themselves. I imagine that people are more likely to spend that debit away rather than ask for a transfer of the overpayment back to the account it was paid from. I know this happens frequently since the representatives I speak to know exactly what to do when I describe my problem.

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 2021-07-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Hi, Portfolio Recovery Associates, XXXX Claims they have sent me letters for a debt I owned 2 years ago. I never received any communication for them informing me of this debt. No mail no phone call no nothing from them. A few days ago I received a notification from XXXX XXXX stating that my credit had dropped by 28 points due to Portfolio. Once I logged in I saw Portfolio and I got very confused cause I've never heard of this business before and neither have I ever spoken to them. I'm extremely upset about this because Portfolio didn't even notify me of this matter and I got attacked on credit score for it. I had to call myself to verify what the debt is about and what the debt is once my credit report got updated. I had to be the one to reach out to figure out what the report on my credit score was. One we figured out I settled the account and I paid it off and now it's all clear and settled but it's still showing on my credit report. It's a closed matter but for whatever reason they still didn't updated my credit. 

I tried contacting the company all day and no response and no pick up. I left an email with all the info for the payment that has been made and hopefully I'll get to hear about it then but I doubt it cause this seems to be a pattern with portfolio not just with me but other clients who I have read negative reviews on different reporting sites. I want this payment and the closed matter updated on my credit score especially since they are totally messed up for not even notifying me of this debt. 

I only found out about this debt in XX/XX/XXXX and it's XX/XX/XXXX now and It's already paid off and we settled it. I was on top of this and I need them to be on top of this also. I called last week to ask to speak to a manager and I asked him why I've never received communication about the debt weather its phone or mail and he couldn't ' even answer me as to why that happened and went to on to continue talking about totally something else disregarding whatever I had asked. I will be visiting legal options for this fraudulent activity. I do believe creditors need to notify you as soon as the debt is owned by them and I've never received such notification from Portfolio. 

I want my credit report to be updated since I have paid the full amount we settled all at once and this account is now closed. The final payment has been made. Debt creditors usually buy debts for pennies for dollar and they still don't do things right now. I didn't even receive an apology for never notifying me and they couldn't give me an expiation as to why this happened. I reach a bunch of reviews online from different costumers experiencing the same issue. 

THE BALANCE AS BEEN PAID OFF IN MY END AND I WANT THIS REMOVED FROM MY CREDIT ASAP. THIS DEBT IS PAID OFF. UPDATE MY CREDIT RIGHT AWAY THIS MATTER IS CLOSED AND SETTLED.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-04 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BTH Management
State: NC

Complaint narrative:
Plaza service called me on the phone in XXXX of XXXX wanting my personal information to verify a debt from XXXX XXXX XXXX XXXX. They stated XXXX XXXX hired them to collect the debt. I refused to give my personal information to them. A week later plaza services put the debt on my XXXX XXXX report for {$3600.00}. They never validated the date. I sent them a certified validation letter on XX/XX/XXXX asking them to validate the debt. In XX/XX/XXXX plaza services had a company to call me and threatened to file a judgement against me. I never received anything in writing from them. They only called me on the phone. XXXX XXXX XXXX  is also on my XXXX  report. If you look at what plaza service is reporting and XXXX is reporting the dates of when the account was opened do not match and when the last payment was made do not match. I have also been disputing this account for a while with XXXX  because I am a victim of identity theft. Plaza services did not list on the credit report that I have disputed the account with them as well. I hired a credit repair company XXXX XXXX to dispute the account. Ive never made a payment on the account. On the credit report it reads that the account was paid on but it was not by me. In the validated letter mailed to plaza service I asked them to provide what bank account was used because it definitely isnt my bank account. The account is from XXXX which is when I misplaced my social security card and driver license. I would like you to help me to get this account removed from my credit and stop plaza services from harassment/threatening me to file a judgement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-04 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: SC

Complaint narrative:
OnXX/XX/XXXX Mr. XXXX XXXX XXXX noticed that his XX/XX/XXXX Credit Report contained fraudulent information from the Credit card section of the report. This illegal illegal activity occurred without Mr. XXXX giving his permission or authorization and allowed me to contact Law Enforcement ( FBI and Secret Service ) in the XXXX XXXX, Texas jurisdiction that is the physical address of XXXX XXXX XXXX XX/XX/XXXX. 
The company ( XXXX ) is not cooperating with the police investigation and recently was notified that the Consumer Financial Protection Agency was also involved with Law Enforcement on multiple accounts opened in my name and I require a written response from the President and CEOi about what the immediate action to stop this harassment by criminals that do not care about my 30 year membership and exceptional credit rating that is being destroyed without my permission. 
I want answers to this distasteful message from XXXX and investigation with Impunity that will give much needed closure and Cash Settlement!

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