vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
Dear Sir/Madam, I am writing to file a formal complaint against Citibank for a Cash Bonus promotion issue. Both my wife and I opened Citibank accounts in XX/XX/2023, depositing {$75000.00} each, as per the promotion 's terms. However, we have not received the promised Cash Bonus of {$1000.00} each account on XX/XX/XXXX, despite multiple unsuccessful attempts to resolve this with Citibank 's customer service. 

Citibank representatives claim there's no record of the promotion on our accounts, even though we followed all necessary steps during setup. This situation has left us frustrated, feeling misled, and questioning Citibank 's integrity. 

We request a CFPB investigation to secure the Cash Bonus and fair compensation for our inconvenience, financial loss, and time spent on this matter. 

Thank you for your prompt attention to our concerns. 

Sincerely, 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 2023-09-16 00:00:00
Product: Credit reporting 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: GA

Complaint narrative:
These credit reporting companies are reporting information to the public without my permission causing significant dignitary harm as they have not verified anything they report. When I create disputes and request validation of the debts they are reporting, they do not have valid evidence or proof that any debt belongs to me, was created by me, billable to me, correctly billed, or authorized by me in any manner. 

They are uninterested and unauthorized third parties presenting themselves to be a secure system of empirical data reporting when there is no way for them to provide substantial proof that they are reporting accurate information with permission from all parties involved. 

In accordance with the fair credit reporting act this creditor has violated my rights. Under 15 USC 1681 Section 602, I have the right to privacy. Under 15 USC 1681 Section 604 ( a ) ( 2 ), no consumer reporting agency can furnish any report for any account without my written instructions. 15 USC1666b also states that a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

I have not provided any written instructions for any consumer reporting agency to provide my private data to anyone. My credit worthiness and ability to pay is not limited to scores by any private reporting agency as I have equitable interest in my security agreements/instruments, ( notes, coupons, and guarantees ) having nothing to do with these reports. 

Any delinquent account is to be construed as a billing error resulting from an inability to endorse these instruments for credit to be properly applied to my accounts. There is no benefit to me for any Consumer reporting agency to give negative information to creditors when my applications are requesting credit as an endorser. The credit score has absolutely nothing to do with that. All of these denials are substantial evidence of me being restrained from trade, deprived of my rights, and discrimination against me for being scored low when I have a right to endorse for payment using income from equitable interest in secured investment property and not limited to compensation from labor.

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 2023-09-16 00:00:00
Product: Credit reporting 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: GA

Complaint narrative:
These credit reporting companies are reporting information to the public without my permission causing significant dignitary harm as they have not verified anything they report. When I create disputes and request validation of the debts they are reporting, they do not have valid evidence or proof that any debt belongs to me, was created by me, billable to me, correctly billed, or authorized by me in any manner. 

They are uninterested and unauthorized third parties presenting themselves to be a secure system of empirical data reporting when there is no way for them to provide substantial proof that they are reporting accurate information with permission from all parties involved. 

In accordance with the fair credit reporting act this creditor has violated my rights. Under 15 USC 1681 Section 602, I have the right to privacy. Under 15 USC 1681 Section 604 ( a ) ( 2 ), no consumer reporting agency can furnish any report for any account without my written instructions. 15 USC1666b also states that a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

I have not provided any written instructions for any consumer reporting agency to provide my private data to anyone. My credit worthiness and ability to pay is not limited to scores by any private reporting agency as I have equitable interest in my security agreements/instruments, ( notes, coupons, and guarantees ) having nothing to do with these reports. 

Any delinquent account is to be construed as a billing error resulting from an inability to endorse these instruments for credit to be properly applied to my accounts. There is no benefit to me for any Consumer reporting agency to give negative information to creditors when my applications are requesting credit as an endorser. The credit score has absolutely nothing to do with that. All of these denials are substantial evidence of me being restrained from trade, deprived of my rights, and discrimination against me for being scored low when I have a right to endorse for payment using income from equitable interest in secured investment property and not limited to compensation from labor.

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 2023-09-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I received an alert of a potentially fraudulent charge of {$2100.00} in XXXX of 2023 on my Citi card. I immediately reported it as a fraudulent charge. The charge was removed in XX/XX/2023. In XX/XX/2023, Citi wrote to me and advised that they had reversed the charges because of paper documentation provided by the entity and Citi confirmed it was a valid charge to my card by XXXX XXXX XXXX XXXX 

I contacted Citi and advised them that the person who made the charge, XXXX XXXX, was not an authorized user of my card and I did not authorize the charge to my card. I have complained to them telephonically several times and they still have not removed the charge. I submitted a written complaint to them in XX/XX/2023 and they still have not removed the charge. 

I want the charge and any associated interest removed from my credit card.

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 2023-09-16 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: IL

Complaint narrative:
I received a letter of collections from NCS two years after I moved out of an apartment. I did sign the lease for the year in question, however, never received any notice of anything as i had left and my ex stayed in the house. Upon this notice I proceeded to request via call on XX/XX/XXXX of XXXX  a validation of the debt as I never received notice and had no knowledge of what the debt was. I proceeded to send a letter as well to come to a common ground. On XXXX XXXX XXXX I received a breakdown of charges all addressed to the primary lease holder and not myself, which only validated XXXX of the XXXX they are trying to collect on. On XX/XX/XXXX of XXXX  I received a return call from NCS on which I proceeded to inform them I only received 2 pages of the original contract and only see about XXXX of validated charges. I requested the full lease and for them to validate the other charges. XXXX ( the rep ) proceeded to ask me to leave a voicemail for his XXXX in which he would call me back. With no response, I then received a letter in the mail on XX/XX/XXXX of 2023, informing me that due to lack of contact they will be reporting me unless I reach back out. I feel this is incomplete validation of debt. We are going on almost 2 months of not being able to provide me with full validation of the debt. I also feel that I am being threatened during this dispute as I have not received contact upon request. Please help me understand my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Atlanticus Services Corporation
State: GA

Complaint narrative:
I am writing to formally dispute an issue I have encountered with XXXXXXXXFORTIVA, regarding their failure to remove a late payment entry from my credit report, which I believe is in violation of the Fair Credit Reporting Act ( FCRA ). I am seeking your assistance in rectifying this matter. 

I contacted XXXXXXXXFortiva in writing, requesting the removal of a late payment entry on my credit report, which was inaccurately reported. I provided supporting documentation demonstrating that this late payment was erroneous and should be corrected immediately. Under the FCRA, creditors are obliged to investigate disputes and correct any inaccuracies promptly.

However, to date, XXXXFORTIVA has not taken any action to correct this error on my credit report, despite the ample evidence I provided. This has had a detrimental impact on my credit score and financial standing, which is causing me significant distress. 

I kindly request that the Consumer Financial Protection Bureau intervenes in this matter to ensure that XXXXFORTIVA complies with federal law by promptly investigating and correcting this inaccurate reporting on my credit file. I believe this is a clear violation of the FCRA, which mandates that accurate information be reported and that disputes be resolved in a timely manner. 

I trust that the CFPB will take appropriate measures to address this issue promptly. 

I appreciate your attention to this matter and look forward to a resolution that ensures the accuracy of my credit report as required by law. 

Thank you for your assistance in rectifying this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16 00:00:00
Product: Credit reporting 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: OH

Complaint narrative:
I currently have Three accounts and inquiries appearing on my credit report. 

Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report to this day over 36 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 36 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the extreme amount of stress you caused me. My information has been impacted by the recent XXXX data breach and XXXX have gotten compromised.

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 2023-09-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: WV

Complaint narrative:
I use a Chime card for my direct deposit of my pay. I was waiting on a new card to come in the mail and had a virtual card on my app to use. Which this was the XXXX time I had to get a new card from them because of my card being compromised. While i was waiting on the XXXX new card someone used the virtual card in XXXX Florida and spent XXXX at XXXX XXXX grocery store.I live in West Virginia and I called and reported it.They said they would investigate it. Then later that day I received a call from XXXX that came up on my phone as Chime Financial and I answered it. The man on the phone said he was from Chimes dispute department. I talked to him for an hour and he had me typing in codes he said was going to protect my account. I then realized he was a scammer and I got off the phone with him. I called Chime myself and told them this and in the end I was still denied my money back. I called and had them reopen my dispute and before XXXX hours had passed they already denied it again. Ive called many times to try to resolve this and ever time Im asked to provide them with documentation to help my case. Ive told them I dont have any information on who hacked my account from Florida and that Ive never even been there but still no help from them. I dont understand how it can be denied when it happened so far away from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
My civil rights have been violated by XXXX XXXX and wells fargo. There was no legal justification to close my checking account only to harass and abuse me. Wells fargo falsely claims it did everything lawfully and appropriately. Which isn't true. They had to close my original account to cause this trouble for me. Wells fargo has never acknowledged that XXXX XXXX called the police on me. 

I lost my checking account at wells fargo. Due to XXXX XXXX falsely accusing me of harassing her. They just automatically took her side and done me dirty. Which is why she started to be a banker to harass me and to use her position to influence people against me and pay them off as she did with the police. I was done dirty. I did nothing wrong to deserve this type of treatment. 

Why did wells fargo allow me to have the new checking account to begin with. 

I was falsely accused by XXXX XXXX of harassing her. While I was at the bank opening my new account. This was downright dirty what was done to me by XXXX XXXX and other wells fargo employees who assisted her. XXXX XXXX is a mentally crazy unstable person. Wells fargo thinks their smart by not mentioning the real reason why my checking account was closed. My new checking account was only open for a month when they closed it. XXXX XXXX befriends everybody in my neighborhood to get them against me and everyone else in town also. They are all scum of the earth to think by befriending other neighbors around here and having them cut their grass will torment me because people like them for some reason. It's a sickness they have. XXXX XXXX just doesn't know when to stop because wells fargo believed her side of the story and not mine. This incident happens at the bank not outside it like how they so loudly try to explain in their replies. To protect XXXX and XXXX XXXX. This is how XXXX XXXX gets people on her side against me. This is what happen when wells fargo wrongfully closed my checking account. I did nothing to deserve this type of treatment from wells fargo. Wells fargo had malice against me when they closed my checking account. It was personal not because they claim they have a right to close my account. 

Why did wells fargo allow my first account to remain open from XXXX XXXX XXXX made a false call to the police telling them I was harassing her. This is CORRUPTION if the other wells fargo employees went along with this lie. The police didn't see XXXX XXXX any where near me. She intentionally came around me to cause me trouble. I am owed in compensation for my checking account being wrongfully closed due to XXXX XXXX slandering me. Even though wells fargo falsely states I wasn't slandered to defend XXXX XXXX and their wrongful actions in closing my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
On XX/XX/2023 I was charged a maintenance fee of {$15.00} dollars on my checking account. I have been seeing this charge and other fees more often on my account even though I comply with requirements. My checking account is free of charges as long as I keep a minimum of {$100.00} dollars. On XX/XX/2023 I went overdraft on my account due to a merchant processing a payment late. I was charged an overdrawn fee of {$35.00}. But there is grace period to avoid the fee of {$35.00} if you make a deposit which i did same day. The overdraft fee was reversed of {$35.00} and I complied. But on XX/XX/2023 I was charged a maintenance fee of {$15.00} even though I complied with the requirements of maintaining my account above {$100.00} within the grace period of same day bringing the account to good standing. These fees are misleading and deceptive that TD Bank is charging because even though you comply with the requirements, they still charge a fee later of hoping that you will not notice. These fees are deceptive and even though I complied by making a deposit and avoiding the overdraft fee of {$35.00} and low balance fee of {$15.00} I was still charged at the beginning of the month the {$15.00} dollars. I feel that if I complied and kept my account in good standing that I should not be charged any fees. But TD Bank has a tricky system that will still charge you the fees even though you are within the guidelines. Please see an email I got regarding " grace period '' guidelines that I did follow but was till charged the fees. There has been other feed added overtime such as ATM fees, balance inquiry fee, ect. Most of these fees are bogus ATM 'S that automatically process without you even asking for a balance and not my request of fault.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Sunbit, Inc.
State: MA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16 00:00:00
Product: Credit reporting 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: TX

Complaint narrative:
i went to get a new car and the dealership put too many inquiries on my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
I always paid on time, and this giving me anxiety, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
My name is XXXX XXXX. I A victim of identity theft a long time ago. After that incident there were incorrect and inaccurate items that appeared in my report. Please delete all of the following ACCOUNTS and INQUIRIES from my credit report immediately. Besides these items, also delete the incorrect names and addresses that I did not live in and names I do not go by. They are all a result of ID theft. Please remove these items which are not as soon as possible. Please see attached IDENTITY THEFT 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