vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
I am writing to file a complaint against Citibank related to a recent issue concerning an Automatic Clearing House ( ACH ) deposit and subsequent account closure. 

On XX/XX/2023, an ACH payment was initiated to be deposited into my Citibank account. Due to the holiday period, the deposit was scheduled to be credited on XX/XX/2023. However, I encountered issues with my account over the weekend of XX/XX/2023, when I was unable to view my account upon logging into Citibank 's online portal. 

Upon contacting Citibank, I was informed that my account was to be closed due to a mobile check deposit I had made while instructing a family member on the process of check deposit. This was a genuine misunderstanding and not intended as a fraudulent activity. 

Despite explaining my situation and the forthcoming ACH deposit to Citibank, I was informed that the account closure would proceed, and my funds, including the yet to be deposited ACH payment, would be returned via a check in the mail within 30 to 60 days. 

Given the significant amount of the deposit and the circumstances leading to the account closure, I believe the process is unfair and distressing. 

I have tried to address this issue through direct communication with Citibank and by attempting to reverse the ACH payment through the payment processor. I have also opened a new account with Citibank to provide a potential alternative for depositing the funds. 

Despite these steps, I am concerned that my funds are stuck in limbo and that I have been put into a situation with a potential 60-day wait for my own money, through no real fault of my own. 

I kindly request your assistance in investigating and resolving this matter.

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 2023-07-05 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: NC

Complaint narrative:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

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 2023-07-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I placed a previous complaint with about Citibank ; in that complaint CitiBank addressed my XXXX XXXX XXXX account that has nothing to do with the Macys Department Store account I asked about and was never addressed. Effective with my XXXX billing CitiBank went up to 31.74 % interest. Thy have retroactively added {$650.00} to my account on a purchased made in XXXX. I have not made a Macys purchase since XX/XX/XXXX, when the interest rate was 30.24 %. 

There is no justification for XXXX interest rate to continue climbing when I pay my bill every month on the XXXX and the amount is debited from my checking account the minimum amount plus {$200.00} per month. I have not missed a payment neither have i ever been late on a payment since receiving this card in XXXX. 

There is never been ever a letter telling me my interest is increased not giving me an opt-out option. As you can see from the billing statements uploaded I have never missed a payment on my Department Store Account> Citibank must be investigated for retroactively adding previously purchased items to get a large interest rate that isnt unjust and against consumer regulations. 

As a result of this complaint, I ask that CitiBank com into compliance with consumer regulations and roll back the 31.74 % interest as I have not made any purchases from Macys Department store account. I will pay them off but how can I when they keep increasing my interest rate unjustly and charging me for purchases made in 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 2023-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
For months, I occasionally get something in the mail from a company known as XXXX. It says I owe XXXX over {$5000.00} for some account. I honestly can't even find the XXXX sheets anymore because I trashed months ago ( thinking this was over ). When I brought to the XXXX store XXXX XXXX XXXX, XXXX XXXX, VA XXXX ( and numerous phone calls ), they said that the account numbers I gave them show nothing, they knew nothing of a XXXX, and it looked like a Fraud Scam to them ( that is when I trashed ). 

Now, TransUnion has decreased my credit XXXX points about some XXXX account. 

Also, I called Transition this morning, I recorded a full video of the conversation. They told me that they would report fraud on their end and that I needed to report something with you all, then call them back with a report # that you give me ( which is RIDICULOUS ). After persistently requesting official documentation that she was submitting a report as she offered, I was instead hung upon on ( I have this fully documented ). 

Transunion is a SCAM credit reporting service. I wouldn't be surprised if they opened a fraud XXXX account under my name. My credit score is FROZEN and has been for a while. Enough is enough.

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 2023-07-05 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: OneMain Finance Corporation
State: SC

Complaint narrative:
One Main loan company is giving me a run around and I have paid off but they keep adding fees. I had loss of income during Covid in 2020 and they have done nothing but add on more and more fees and bashed my credit. Yes there were months I couldn't pay the full amount of the monthly payments but there are many many months I paid extra or double payments. I have kept a spreadsheet and all my monthly or weekly payments for 3 years. i don't owe them anything else but they will not send me my title.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these inquiries deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: VA

Complaint narrative:
I made a complaint against XXXX today already on this. Months ago, I was occasionally receiving mail from a company known as Convergent ( I think it is a debt collection ) showing I owed XXXX over {$5500.00}. I honestly already threw them out because I thought this was all over. I went to my local XXXX store at XXXX XXXX XXXX, XXXX XXXX, VA XXXX and had numerous phone calls with XXXX. 

I was told that the letter looked like a fraud scam to them and the account numbers shown in the letter showed nothing in theirs for an account for me. 

After I called XXXX today, they were incredibly rude and after I kept asking for documentation on a dispute that she claimed she was filing for me ( but kept telling me to come here .... ). I recorded the entire conversation on video. 

XXXX decreased my credit by XXXX  points recently because of some XXXX account. I have no XXXX account that I don't already spend monthly expenses on.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CITIZENS FINANCIAL GROUP, INC.
State: GA

Complaint narrative:
On XX/XX/23 at XXXX I received an email that a Citizens Access, Checking account was opened in my name at the Citizens Bank XXXX This account was opened without my knowledge and consent. An initial deposit of {$1.00} was made from account ending XXXX. After calling Citizens Bank, I was told that the account address is in Florida. I do not live in Florida. Citizens Bank has agreed to immediately close the account and report to the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I financed a new car through XXXX XXXX XXXX. I entered instructions for the first payment with my Huntington National Bank checking account through XXXX XXXX a month in advance. On XX/XX/2023, my bank sent the following message : This message is to notify you that your XX/XX/2023 payment to XXXX XXXX XXXX XXXX XXXX has been delayed ( or future-dated ). This item has been identified as a possible fraudulent item and is being investigated. Please contact us at XXXX. The bank representative said that I needed a " case number '' that I should have received through an email. I explained that I didn't get the email. The representative walked me through searching for the needed information. That did not work. After several similar phone calls and requests to verify information, the bank refused to help me set up payments. The payment on my car is now past due.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-05 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: NH

Complaint narrative:
Purchased a Secure Spend prepaid XXXX gc for my son to use on a field trip. 

Card was repeatedly declined despite verifying after purchase it had funds of {$100.00}. 

After multiple unsuccessful calls to their customer service number and 45 minutes on hold was told the card has XXXX left due to transactions for online purchases at XXXX XXXX  originating XXXX  miles away. Told them I did not authorize those transactions. Was given a case number and told to email copy of card front and back, receipt, proof of legal address, phone and email. 

Since this began I have been inundated with spam texts to my cell phone and have not received any resolution. 

This card should not be for sale since I have read hundreds of similar complaints. Can't understand why it has not been shut down.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
XXXX I was only recently made aware of the XXXX XXXX vs Wells Fargo settlement. 
I can only credit my own self search regarding other financial matters did I become aware of said class action or anything in regards to being denied mortgage modification opportunities that myself any family could have greatly benefitted from, and Wells Fargo denied at every opportunity. 
Just today on contacting thought the phone number provided on a random website did I contact and was told that I was indeed on the list of borrowers. 
After my prior ( XXXX ) complaints and having no resolution I'm thoroughly stressed to my limit, they still are reluctant to fully supply information and I have received XXXX correspondence or documentation on this matter from Wells Fargo, however they missedaling a small local tax payment ( {$6.00} ) to my city tax account, and had me in collections for that! 
( Yes it has since been resolved ) due to my own due diligence.

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 2023-07-05 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: EQUIFAX, INC.
State: NV

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list if accounts below has violated my federally protected. consumer rights to privacy and confidentiality under 15 USC1681. 

Account Name : XXXXXXXX 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 : Has violated my rights ; 15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U ; S ; C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions, 15 U ; S ; C 1681c, ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U, S, C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-05 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: UPGRADE, INC.
State: MS

Complaint narrative:
I have been trying to get paper bills on a personal line of credit, Paper statements requested every month ( Via XXXX XXXX XXXX ), for account # XXXX to no avail. I don't have access to internet all the time so I can not receive online bills all the time. I need them to send me paper bills " Each month '' so as to be able to set up payment source to send them payment each month. They refuse to do so and it is " MY RIGHT '' as an " XXXX XXXX '' to receive paper bills. I ask the Upgrade Representative to send me email to confirm ( They won't send paper bills ), she refused and said ; quote '' We don't send emails ''. NO where in the " TIL document '' or the " Loan Agreement Document '' does it say I can't receive paper bills each month. I need them in order to send them payment every month in a check. ( See attachment ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05 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: TX

Complaint narrative:
Hi this is my second Complaint regarding the Credit Reporting Agencies and their improper furnishing of inaccurate information on my credit reports after they claim they investigated. To date i have no verified proof nor names of the persons that allege in writing a verified debt. Federal and state laws in Texas state that what i am going through as a protected class of consumer is against the law. Please see Attached Identity theft report the listed accounts violate my right to privacy and confidentiality under 15 USC 1681. I have the right to privacy and under 15 USC 1681 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. In addition, 15 USC 1681c ( a ) ( 5 ) states No Consumer reporting agency may make any consumer report containing any of the following items of information, any other ADVERSE item of information, other than records of convictions of crimes which antedates the report by more than seven years. And lastly under 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reason to believe that the information is inaccurate. Accounts for deletion : N/A XXXX reported XX/XX/XXXX Past due {$2400.00}, Accounts for deletion : XXXX XXXXXXXX reported XX/XX/XXXX {$4000.00} Accounts for deletion : N/A XXXX reported XX/XX/XXXX Account for deletion : N/A XXXX reported XX/XX/XXXX {$700.00} Accounts for deletion : XXXX XXXX ACCOUNT FOR DELETION : XXXX XXXX REPORTED XX/XX/XXXX {$590.00} ACCOUNTS FOR DELETION : XXXXXXXX XXXX XXXX reported XX/XX/XXXX {$18000.00} Accounts for deletion : 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 non-monetary relief
Consumer complaint received 2023-07-05 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: TX

Complaint narrative:
Hi this is my second Complaint regarding the Credit Reporting Agencies and their improper furnishing of inaccurate information on my credit reports after they claim they investigated. To date i have no verified proof nor names of the persons that allege in writing a verified debt. Federal and state laws in Texas state that what i am going through as a protected class of consumer is against the law. Please see Attached Identity theft report the listed accounts violate my right to privacy and confidentiality under 15 USC 1681. I have the right to privacy and under 15 USC 1681 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. In addition, 15 USC 1681c ( a ) ( 5 ) states No Consumer reporting agency may make any consumer report containing any of the following items of information, any other ADVERSE item of information, other than records of convictions of crimes which antedates the report by more than seven years. And lastly under 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reason to believe that the information is inaccurate. Accounts for deletion : N/A 733472B06940 reported 3/23 Past due {$2400.00}, Accounts for deletion : XXXX  XXXX reported XX/XX/XXXX {$4000.00} Accounts for deletion : N/A XXXX reported XX/XX/XXXX Account for deletion : N/A XXXX reported XX/XX/XXXX {$700.00} Accounts for deletion : XXXX XXXX ACCOUNT FOR DELETION : XXXX XXXX REPORTED XX/XX/XXXX {$590.00} ACCOUNTS FOR DELETION : XXXXXXXX XXXX XXXX reported XX/XX/XXXX {$18000.00} Accounts for deletion : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Today I received an email an account was attempted to be open in my name at Bank of America. It was for a Bank of America Advantage SafeBalance Banking Account. 

This is the second attempt is less than a year. The first attempt was XX/XX/XXXX. The second attempt was today XX/XX/XXXX. 

I do not wish to bank with Bank of America and I continue to have issues with fraudulent attempts to open accounts in my name with them. 

When I try to call I have no account info so Bank of America will NOT assist in confirming accounts with my name and info are NOT opened or in use.

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 2023-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Eastpoint Recovery Group, Inc
State: CA

Complaint narrative:
On XX/XX/3023, I discovered an inquiry on my XXXX consumer file from EAST POINT RECOVERY GROUP. I have no account with them so this is an unauthorized inquiry on my consumer report. They have no permissible purpose to access my consumer file under the Fair Credit Reporting Act and the California Consumer Privacy Act. I have attached the inquiry section of my XXXX Credit report dated XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
DELETE FRAUD ALERTS AND EXDTENDED FRAUD ALERTS XXXX # XXXX # XXXX EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACC Experian XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

XXXX FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.

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 2023-07-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CHERRY TECHNOLOGIES INC.
State: NC

Complaint narrative:
Did not receive said service in which cherry technology was used for. Being billed for a service I did not receive.

Company response to consumer: Closed with monetary relief