vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On or about XX/XX/XXXX, I opened a new Citi Priority checking account online with Citibank under a new account opening promotion that will give the new account holder cash back ( either {$300.00}, {$700.00}, or {$1500.00} ). My initial deposit was {$52000.00} on XXXX XXXX, XXXX, to make sure I met the requirements to earn the {$700.00} cash back. As part of my normal banking operations, I will, at least on a monthly occasion, attempt to deposit checks through the mobile app feature - Mobile Check Deposit ( " MCD '' ). This feature was advertised as being available under the Citi Priority checking account benefits at the time of account opening and continues to be advertised as such. The checks I usually deposit via MCD range between {$200.00} - {$400.00} dollars each. On XXXX XXXX, XXXX, I was able to deposit a {$200.00} check via MCD. On XXXX XXXX, XXXX, I deposited a {$59.00} check via MCD. However, on or about XX/XX/XXXX, I was unable to deposit a {$300.00} check via MCD and was forced to deposit it at the local branch via drive thru. Likewise, on or about XX/XX/XXXX, I attempted to deposit a {$200.00} check via MCD and was again denied. I was also forced to deposit the check at the branch. On these last two MCD deposit attempts via the app, I was notified of the following error message after the deposits were denied : " Hmmm ... looks like we're having some technical issues right now. Please try again later. - MFA_DENY '' After several calls with customer service, the fraud department, and the local branch 's customer service agent, I was notified that some customers who opened a new account online will not be able to continue to use the MCD feature. I was never previously notified of this change. Moreover, the feature is still available in my Citibank app and the message I receive when attempting to deposit a check via MCD is that there are technical difficulties and to try again later, not that the service is no longer available. 

Therefore, I would like a clear and precise explanation as to why this feature was removed and for the feature to be restored.

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 2022-01-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/2021 I submitted a dispute letter to all three major bureaus ( XXXX, Transunion, XXXX  due to some erroneous negative entries on my credit report As a result, this caused a lot of headaches to my livelihood I'm not being able to properly use my credit when needed. I have been denied access to Loans, Credit, Mortgages because of this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I have a excellent track record with this card. I pay on time and has no issues. When I make a payment, even though the transaction has cleared and they clearly have the money, they refuse to apply it as available credit, causing my reoccurring payments to decline. They told me they will hold my money and not increase the available credit for 8 days. They are basically floating the money they are getting form me. 

They also ask me my salary level every time I call customer service although they have never increased my credit level. This is annoying.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I have been trying to fix the charge off and account balance on my credit report I have requested validation as well as prove to the original contract and have not received any information all it states its updated I will like the account to be validate and the original contract I have asked if it couldnt be validate to please remove and for the last 6 months I havent received original contract car was total insurance company paid balance off

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 2022-01-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
YOU BROKE THE LAW!! 


To whom this may concern, I XXXX XXXX Attempted to do business with your agency unfortunately your agency was not able to accept doing business with me because of them violating my consumer rights! Due to insufficient credit history as well as lack of funds to make a down payment as you are well aware youve broke the law & discriminated against me due to the reports you pulled from third party agencies Let me explain to you.. 15 usc 1681 ( a ) ( c ) ( i ) following 15 usc 1681 ( 2 ) ( b ) Youve committed FRAUD following 15 usc 1692 ( a ) ( i ) Pursuant to 1681 ( g ) ( h ) Disclosure to consumers, following 15 usc 1681 ( m ) Duties of users taking ADVERSE ACTION Following 15 usc 1611 Criminal liability 15 usc 1681 ( a ) ( 8 ) Authorization or Approval of a specific Extension of Credit directly or indirectly by the issuer of a credit or similar device should be excluded from a consumer report, When you ran my credit there was a finance charge involved and which ever agency in charge got paid but i was still denied & still with out a vehicle so with me explaining how you have violated me as a federal protected consumer! As my right Following 15 usc 1635 I wish to rescind on any & all contracts! 

I DEMAND YOU TAKE ACCOUNTABILITY FOR YOUR ACTIONS!

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 2022-01-27 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
YOU BROKE THE LAW!! 


To whom this may concern, I XXXX XXXX Attempted to do business with your agency unfortunately your agency was not able to accept doing business with me because of them violating my consumer rights! Due to insufficient credit history as well as lack of funds to make a down payment as you are well aware youve broke the law & discriminated against me due to the reports you pulled from third party agencies Let me explain to you.. 15 usc 1681 ( a ) ( c ) ( i ) following 15 usc 1681 ( XXXX ) ( b ) Youve committed FRAUD following 15 usc 1692 ( a ) ( i ) Pursuant to 1681 ( g ) ( h ) Disclosure to consumers, following 15 usc 1681 ( m ) Duties of users taking ADVERSE ACTION Following 15 usc 1611 Criminal liability 15 usc 1681 ( a ) ( XXXX ) Authorization or Approval of a specific Extension of Credit directly or indirectly by the issuer of a credit or similar device should be excluded from a consumer report, When you ran my credit there was a finance charge involved and which ever agency in charge got paid but i was still denied & still with out a vehicle so with me explaining how you have violated me as a federal protected consumer! As my right Following 15 usc 1635 I wish to rescind on any & all contracts! 

I DEMAND YOU TAKE ACCOUNTABILITY FOR YOUR ACTIONS!

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 2022-01-27 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: ID Analytics, Inc.
State: PA

Complaint narrative:
YOU BROKE THE LAW!! 


To whom this may concern, I XXXX XXXX Attempted to do business with your agency unfortunately your agency was not able to accept doing business with me because of them violating my consumer rights! Due to insufficient credit history as well as lack of funds to make a down payment as you are well aware youve broke the law & discriminated against me due to the reports you pulled from third party agencies Let me explain to you.. 15 usc 1681 ( a ) ( c ) ( i ) following 15 usc 1681 ( 2 ) ( b ) Youve committed FRAUD following 15 usc 1692 ( a ) ( i ) Pursuant to 1681 ( g ) ( h ) Disclosure to consumers, following 15 usc 1681 ( m ) Duties of users taking ADVERSE ACTION Following 15 usc 1611 Criminal liability 15 usc 1681 ( a ) ( 8 ) Authorization or Approval of a specific Extension of Credit directly or indirectly by the issuer of a credit or similar device should be excluded from a consumer report, When you ran my credit there was a finance charge involved and which ever agency in charge got paid but i was still denied & still with out a vehicle so with me explaining how you have violated me as a federal protected consumer! As my right Following 15 usc 1635 I wish to rescind on any & all contracts! 

I DEMAND YOU TAKE ACCOUNTABILITY FOR YOUR ACTIONS!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: NV

Complaint narrative:
I have an account with this bank. They do not have a in person branch or atm location in XXXX XXXX Nevada or anywhere near within XXXX XXXX. 

I have to transfer money from a different account to this account via XXXX.On XX/XX/2022 I transferred {$240.00} into this account which showed up XXXX minutes late into the account and they have charged me two separate items of {$36.00} over draft fee totaling {$72.00} It is impossible to get anyone on the phone with this bank..wait times are over XXXX minutes and system automatically hangs up on you. the chat version is impossible to talk to someone and it says someone will call you in XXXX hours but to no avail. 

I need someone from CFPB to assist so this company can respond. This is XXXX bank or tourist now. I want them to remove the fees as my funds were in the bank within XXXX minutes delay of the cut off time on that day.

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 2022-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I have continuously disputed fraudulent/not mine inquiries on my credit report and Equifax refusing to remove them. They come back as " factual '' without a full investigation or evidence that they belong to me. This dies NOT adhere Under theFair Credit Reporting Act, the information provider has 30 days to report back to the credit bureau with proof that I authorized the credit inquiry. Also, in accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ). Below is my Equifax Dispute information. 

Confirmation number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 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: MN

Complaint narrative:
I have attempted to resolve this issue with TRANSUNION multiple times. Do to a language barrier with all TRANSUNION representatives this is nearly impossible. 
I am requesting the following inquiries be removed. These are not mine. 

( XXXX XX/XX/2021 ) ( XX/XX/XXXX XX/XX/2021 ) ( XXXX XXXX XXXX XX/XX/2021 )

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 2022-01-27 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: BARCLAYS BANK DELAWARE
State: MI

Complaint narrative:
I called Barclays earlier this month to at least, change the credit card from Wyndham to a different card they offer like XXXX XXXX XXXX or the XXXX XXXX XXXX they offered, but was told no my the representative. This contradicts what I was told by XXXX XXXX in early XXXX, when this all started. 

I asked, at least, if im stuck with a credit card I was lied about apply for, could I change it to some other credit card barclays offers. I was told yes to some degree. 

Then I recieve ANOTHER response today, of Barclays telling me that I'm XXXX because I already added a bill to said credit card, so I clearly didn't want it removed and would not honor my request. 

The only reason I gave up on even getting the card removed ( by barclays, on their end, not by me ) because I was told by reps that wasn't possible. THEN i tried to make it better for my whole situation by at least using the line of credit to help my own score by adding a small bill to pay off every month. 

Only for this to some how be used as evidence for all the more reason for mt complaint to be ignored. 

My complaint is now, that customer service will lie to you. That people from the " Office of the President '' will ignore your emails and also lie to you, and then use your responses to lies against you. 

That timeshare reps will lie to you, and tell you, you need to sign these documents to prove that you will not come to Wyndham time shares anymore, and then pull your credit. Then tell people at the Offfice of the President that they actually don't say that, when I know several people who have had the same thing happen to them. 

My boyfriend and I saved up a lot of money for a trip to XXXX. We got covid tests, isolated and were excited to go. We didn't expect to come home and a week later for our credit scores to plummet, and ruin ( his more than mine ) our chances at making any big purchases any time soon.

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 2022-01-27 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: NC

Complaint narrative:
After looking over my own credit report I have found a few accounts that I believe are reporting in error. I have requested multiple times proof of ink signature documents according to section XXXX ( a ) ( XXXX ) ( A ) and section XXXX ( a ) ( XXXX ) ( A ) of the Fair Crediting Reporting Act showing that these accounts are indeed verified and belong to me and I am not aware of them. The accounts still haven't been verified legally to standard but continue to be reported on my credit report after months of request to have them removed. 
I am seeking the removal of these negative accounts that are reporting on my credit file or legal verification showing that these accounts belong to me. Please see below the accounts information in question. 

Account XXXX # XXXX Balance : {$20000.00} UNVERIFIED ( past XXXX yrs old )

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 2022-01-27 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: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
I recently receive an email from Wells Fargo today XX/XX/22 advising I open a new checking account witch I did not. I do have a checking and savings accounts with Wells Fargo but did not open anything any up as of XX/XX/22 I reported this matter to the bank and they closed the account but will not release any info pertaining to the application are were the card is being mailed I am currently on edge right now I do not have problems like this was it someone I know? Maybe neighbor? I do know know I need this info to provide to. my local police department to investigate

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 2022-01-27 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: NV

Complaint narrative:
The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. All items listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : XXXX XXXX XXXX XX/XX/XXXX {$0.00}, XXXX XXXX XX/XX/XXXX {$1500.00}, XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX {$1200.00}, XXXX XXXX XX/XX/XXXX {$0.00}, XXXX XXXX  XXXX XX/XX/XXXX {$2000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I just received a copy of my 3 credit report and noticed I have 3 different credit card accounts that I previously deleted with all three credit bureau. I would like these account removed as soon as possible.

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 2022-01-27 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/2021 I sent dispute letters to each bureau for investigations into inaccuracies on my consumer report. I am writing to the Consumer Financial Protection Bureau seeking help in matters regarding my consumer report. I have sent letters to XXXX, Transunion and XXXX in reference to this false information several times and have not received a response. I have included in my letters to the bureaus that I have concerns and that they are in violation under 15 US code 1681 and 15 US code 1681 ( b ) ( FCRA ). 
I am aware that they each have 30 days to investigate my disputes and report their findings back to me. At this point I am feeling ignored and taken advantage of. In your definitions XXXX regulation ( V ), you clearly state what accuracy ( a ) and integrity ( d ) are. I know that there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. My right to privacy has been violated. 
I would like for you to investigate these inaccurate and false accounts on my consumer report and have them removed immediately. Please send an updated consumer report upon completion.

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 2022-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I sent TransUnion a dispute letter via certified mail in XXXX of last year. The dispute was received by TransUnion and was confirmed through signature of receipt from a TransUnion employee. I called and inquired about the results of my investigation today XX/XX/XXXX and was told by a TransUnion employee that they didn't receive my dispute letter until XX/XX/XXXX and the investigation wasn't started until XX/XX/XXXX despite my receipt stating otherwise. Now according to the FCRA they had 30 days from the time of receipt to investigate my dispute and it is passed that 30 day window. So now they are in violation of my consumer rights per the FCRA and FDCPA. Not only did they not do their due diligence an investigate my disputes but the disputes is still ongoing and they claim they are waiting on the creditors to respond and the investigation won't be complete until XX/XX/XXXX. Now if they received my dispute letter on XX/XX/XXXX and after XX/XX/XXXX the investigation is still not complete after 30 days how are they allowed until XX/XX/XXXX to complete my investigation? According to federal law if a consumers dispute is not investigated and verified after 30 days it must be DELETED FROM MY CONSUMER REPORT IMMEDIATELY!!!! A consumer does not have to wait any longer than 30 days for an investigation to be done for any reason. Per FCRA any unverified account must DELETED from my consumer report and if TransUnion can't show me verifiable proof of any account in question has to be DELETED from my consumer report IMMEDIATELY!!!!! 



I'VE ATTACHED PROOF THAT TRANSUNION RECEIVED MY DISPUTE LETTER OVER 30 DAYS AGO AND HAVE FAILED TO COMPLY WITH FEDERAL LAW PERSUANT TO FCRA 611 ( a ) ( 1 ) ( A ) PROCEDURE IN CASE OF DISPUTED ACCURACY.

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