vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
Citi Bank called me XXXX on XXXX/XXXXXXXX2021. This is for a debt I owe to Macy 's. They called me at XXXX. They called me on XX/XX/2021 at XXXX XXXX  and then at XXXX. I have told them to not to call me and they called me twice today which is a violation of the fair debt collection practices act. They have called me more then once on the same number more then once a day for XXXX months. I have told them not to call that number. THEY CALLED XXXX AND 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 2021-12-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
I made purchases of {$2200.00} through homedepot.com using a Home Depot store card on XX/XX/2021 due to the promotional APR of 0 % offered by Home Depot. However, I see a statement appears to have diverted {$160.00} or more to a XXXX Balance with an unknown interest rate. I am disappointed that I am having to spend more of my unpaid time getting Home Depot to honor the promotional balance when I made a single purchase of {$2200.00} through the website in XXXX distinct purchasing transaction on XX/XX/2021. On XX/XX/2021, I called the customer service number at XXXX to resolve the problem. I spoke with a supervisor named XXXX XXXX XXXX XXXX  that attempted to resolve the diverted amount of {$160.00}. However, XXXX started reading a long legal description for individual transaction amounts -- instead of the approximately {$160.00}. I initially agreed to one amount. I was hesitant on subsequent amounts since the legal description was not in writing. I requested the terms in writing. XXXX refused. I restated my request that I have a XXXX & was having difficulty following, so I need the legal description in writing. XXXX refused again & claimed because I gave prior consent that I could not revoke that consent. I restated my position & stated I would have to follow up with a regulatory complaint because there is no reason I should have to resolve individual transactions from XX/XX/2021 due to Home Depot 's error. I ended the call due to the XXXX 's refusal to provide the legal description of the verbal terms stated on the phone call. From XX/XX/XXXX through XXXX, 2021, I continued XXXX Home Depot 's card services through their website homedepot.com/mycard. Home Depot staff continued their refusal to resolve the error, continued their refusal to provide the the verbal terms from XX/XX/2021, and stated they " noted '' the problem but would not resolve it. I am submitting this complaint so that anyone else that makes a purchase through the website under the terms that it was under a 0 % promotional financing does not get deceived by Home Depot diverting their transaction from the 0 % promotional financing. Thank you for your time, 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 2021-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Here are the details of my claim again I made XXXX deposits XX/XX/XXXX in XXXX Texas at XXXX XXXX XXXX XXXX, XXXX, TX XXXX address of the Bank of America. The first deposit was a deposit of {$13000.00} and the second was {$6100.00}. I did not realize that the atm could only take XXXX bills at the time and thus my money was gone. The Transactions in my statement show that I deposited {$7600.00} and {$6100.00}. Bank of America claim they audited and could not find any record of cash or additional cash being deposited at the ATM for {$6300.00} between XX/XX/2021 and XX/XX/2021. This was stated on XX/XX/2021 then on XX/XX/2021 they had stated that We reviewed your claim as you requested, and have determined XXXX deposits were posted on XX/XX/2021, for {$7600.00} and {$6100.00}. 
As a result, this claim should have been for {$200.00} which we have located and will pay. We now consider this claim resolved. XX/XX/2021 I deposited at total of {$20000.00} and bank of Americas ATM machine only claims I deposited {$13000.00}. I would like to get the amount I deposited back from bank of America

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 2021-12-23 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
A transaction of {$3600.00} went through on XX/XX/2021. 
I called in in XXXX to report it as fraud. 
Chase refused to reimbursed it based on the fact that it has been too long.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23 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: FL

Complaint narrative:
On XX/XX/2021 XXXX XXXX XXXX  closed my account. 
On XX/XX/2021 XXXX XXXX XXXX send a written notification that " The account will be reported to the consumer reporting agencies as ACCOUNT CLOSED BY XXXX XXXX ''. 
I have NEVER EVER been late on this account, although XXXX XXXXXXXX XXXX updated by Consumer reporting agencies ( XXXX, XXXX, Transunion ) as CHARGEOFF. I have never ever been late and I am providing the written notification by XXXX XXXXXXXX XXXX stating that the account will be reported to the consumer reporting agencies as ACCOUNT CLOSED BY XXXX XXXX. 

THIS SEVERE SCANDALOUS ACTION by XXXX XXXXXXXX XXXX  is destroying my PERFECT payment history in my credit.

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 2021-12-23 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: FL

Complaint narrative:
On XX/XX/2021 XXXX XXXX XXXX  closed my account. 
On XX/XX/2021 XXXX XXXX XXXX send a written notification that " The account will be reported to the consumer reporting agencies as ACCOUNT CLOSED BY XXXX XXXX ''. 
I have NEVER EVER been late on this account, although XXXX XXXX XXXX updated by Consumer reporting agencies ( Equifax, XXXX, XXXX ) as CHARGEOFF. I have never ever been late and I am providing the written notification by XXXX XXXX XXXX  stating that the account will be reported to the consumer reporting agencies as ACCOUNT CLOSED BY XXXX XXXX. 

THIS SEVERE SCANDALOUS ACTION by XXXX XXXXXXXX XXXX is destroying my PERFECT payment history in my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/2021 XXXX XXXXXXXX XXXX closed my account. 
On XX/XX/2021 XXXX XXXX XXXX send a written notification that " The account will be reported to the consumer reporting agencies as ACCOUNT CLOSED BY XXXX XXXX ''. 
I have NEVER EVER been late on this account, although XXXX XXXXXXXX XXXX updated by Consumer reporting agencies ( XXXX, Experian, XXXX ) as CHARGEOFF. I have never ever been late and I am providing the written notification by XXXX XXXX XXXX stating that the account will be reported to the consumer reporting agencies as ACCOUNT CLOSED BY XXXX XXXX. 

THIS SEVERE SCANDALOUS ACTION by XXXX XXXXXXXX XXXX is destroying my PERFECT payment history in my credit.

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 2021-12-23 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: NY

Complaint narrative:
XXXX ) XXXX XXXXXXXX XXXX Account XXXX Must be deleted XXXX ) XXXX XXXX XXXX XXXX Account XXXX Must be deleted These are Fraudulent accounts are reporting on my Equifax credit report for more than Ten years. By law, credit bureaus are only allowed to list negative items for only 7 years. These accounts Must be DELETED NOW.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
{$34.00} Debit card was used to purchase tickets without permission Called company and they will not refund money. 

Called bank and they will not refund the money

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/XXXX, at XXXX XXXX received a phone call with caller ID " Wells Fargo. '' The call was to verify an ATM {$300.00} withdraw transaction that happened in XXXX, TX. What was supposed to be a Wells Fargo fraud prevention agent, claimed to have cancelled my debit card and mailed me a new one. He also tried to " verify '' my card number and the three digits on the back of my card. He then sent a pin to my phone so he could have accessed to handle everything. He then said he changed my password and I need to reset it. I went by my day and two hours later I get a notification from my bank that I've reach my total withdraw limit from bank account. 
At this time I had not yet created a new password, I manage to login to see that two transfers were made from my checking # 2 to my main checking account, one for {$5000.00} and {$1000.00}. My main checking account had a total of 11 transactions made from atms and XXXX  around XXXX, TX that accounted for a total {$5600.00}. I live in XXXX, TX, and have not been in XXXX in lover 10 years. 
I filed a fraud claim with my bank and their final decision was to deny my claim due to what they think " insufficient evidence. '' Since I had my physical card with me, they claim that those transactions were made by when they weren't. The whole day I was trying to get rest for my 12 hour night shift while this was happening. I did not authorized any of these transaction and my bank refused to refund my total amount of money.

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 2021-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION
State: CO

Complaint narrative:
I was incarcerated from XX/XX/XXXX through XX/XX/XXXX and designated to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

During the time of my incarceration I experienced credit card and debit card fraud : I was advised by Navy Federal Credit Union that there has been {$13000.00} in debit card fraud and $ XXXX in credit card fraud. 

I did not make any charges nor did I authorize anyone to do so. Due to my location, it was physically impossible to charge or check my accounts since there is no internet access and we were a Covid Red institution so we were on modified lockdown for extended periods. You are not allowed to make toll-free calls either. There was no way for me to have noticed anything was amiss with my accounts. 

In XXXX, I authorized my elderly mother to use funds from my account to move into a home and thats when I was alerted to the fraud. I went to my camp counselor, XXXX XXXX and made a 1-time emergency phone call to Navy Federal Credit Union . I was advised that fraudulent charges had been occurring since XX/XX/XXXX. I was distraught wondering how the charges could have continued if Ive never used my debit account in that manner & wondered why I was never contacted to determine if the charges were mine? The fraud rep advised me that I was contacted 3 times and I confirmed each time that the charges were valid. This is an even bigger red flag because that was physically impossible since I was in the custody of the XXXX XXXX XXXX XXXX and my phone password was not utilized. All of my cards and accounts have Zero Liability policies against fraud like this. I closed all compromised accounts and cards then opened up fraud claims. 

On XX/XX/XXXX when I contacted Navy Federal Credit Union to receive copies of the fraudulent charges so that I may file a police report, I was given the great news that both claims for the debit card charges of {$13000.00} and the credit cards charges of $ XXXX were won. My money was deposited back onto my credit card back in XXXX and they told me that my debit card claim was won on XX/XX/XXXX. 

I had my access reinstated to my accounts today ( XX/XX/XXXX ) and saw that my money is not there. After several attempts at calls to Navy Federal Credit Union ( with several calls with agents coincidentally disconnected even though Im on a home phone ) and multiple different departments looking through my accounts, no one could tell me where my money is. Since the compromised account was closed in XXXX, the money should have been put into the new account but no one can locate it. The fraud rep advised me that there are notes in the system saying the claim was won back on XXXX but no notes saying the money was deposited back. This is absolutely absurd.

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 2021-12-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Greetings i am making this complaint on my own accord and will. No third party is involved in the creation of this complaint. 

I XXXX XXXX, consumer, natural person, and original creditor of an open end credit plan, was harmed by TransUnion a Credit Reporting Agency via invasion of my right of privacy. I was informed of this trespassing against my rights specifically 15 U.S.C. 1681 - Fair Credit Reporting Act by TransUnion a credit reporting agency on XX/XX/2021. According to 15 U.S.C. 1681a definitions of the Fair Credit Reporting Act, I as a natural person possessing an open end credit plan was harmed by TransUnion with the invasion of my privacy by furnishing accounts labelled as exclusions to a consumer report under 15 U.S.C 1681a ( d ) ( 2 ) ( B ), in addition my credit information was given out without my consent resulting in a numerous amount of inquiries now present on my consumer report not attached to accounts further invading my right to privacy as a consumer. Pursuit to 15 U.S.C. 1681n TransUnion is now Civilly Liable to pay me for the damages as well as the hardship caused by the damage caused to my reputation as a consumer in the value of ( {$1000.00} ) per inquiries not attached to an account as well as ( {$1000.00} ) per account furnished by invasion of privacy and inaccuracy as an exclusion from a consumer 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 2021-12-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank credit card, Costco Anywhere Visa Card by Citi, has not been honoring one of its benefits. It falsely advertised that it extends the warranty of purchases to 2 years. I filed claims 4 times : 3 times via email, 1 time on the web portal, using the following contact Return this form and all supporting information required within 180 days of the item failure. 
By mail XXXX XXXX XXXXXXXX XXXX fax XXXX By email XXXX Need our help? 
Call the Citi card benefit servicing center, seven days a week. XXXX In summer 2021, I went to a Citibank branch to check on my claim. The banker said Citibank does not process claims, but the claims are handled through Citibank forms and contacts. I was told that it takes 2 weeks to process the claim. My first claim was filed email on XX/XX/2021, then again on XX/XX/2021, then XX/XX/2021, and it was still not processed.

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 2021-12-23 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: CA

Complaint narrative:
This is a Direct Dispute for the Data furnisher of the information on my consumer report. On XX/XX/2021 I audited my Identity IQ report and found numerous discrepancies on it. Based on the information on my credit report I was never sent any fascimile advising of any of bills due or of the negative reporting. I challenge the ACCURACY and INTEGRITY of the information furnished on my credit report by the data furnisher XXXX XXXX. They have not provided proof of receipt of all bills and notifications sent. 
Pursuant to 12 CFR 1022.41 Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : ( 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer.

Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account. 

Because of the carelessness of XXXX XXXX I have been denied credit based on their furnished information which is materially misleading in evaluating my creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living. All of which have been defamed because of the corporations lack of attention to this matter. 
This company has not contacted me nor provided any information through any mediums. They have not provided Reasonable policies and procedures concerning the accuracy and integrity of furnished information.

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 2021-12-23 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is a Direct Dispute for the Data furnisher of the information on my consumer report. On XX/XX/2021 I audited my Identity IQ report and found numerous discrepancies on it. Based on the information on my credit report I was never sent any fascimile advising of any of bills due or of the negative reporting. I challenge the ACCURACY and INTEGRITY of the information furnished on my credit report by the data furnisher XXXX XXXX. They have not provided proof of receipt of all bills and notifications sent. 
Pursuant to 12 CFR 1022.41 Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : ( 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer.

Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account. 

Because of the carelessness of XXXXXXXX XXXX I have been denied credit based on their furnished information which is materially misleading in evaluating my creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living. All of which have been defamed because of the corporations lack of attention to this matter. 
This company has not contacted me nor provided any information through any mediums. They have not provided Reasonable policies and procedures concerning the accuracy and integrity of furnished information.

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 2021-12-23 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
On XX/XX/XXXX I submitted a fraud report with XXXX for the accounts XXXX XXXX, XXXX and Bank of America. These accounts were charged off and placed as derogatory due to an incident of identity theft back in XX/XX/XXXX. Pursuant to Section 605b, these accounts need to be 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