vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I signed up for a checking account that had a tiered bonus structure. My plan was to deposit $ XXXX so I could get a {$700.00} bonus. I confirmed with them that I could make XXXX transfers into the account to reach the Citi Priority level since my current bank ( like Citi itself ) limits daily transfers to {$25000.00}. All told, I had {$51000.00} deposited into the Citi Account. I was supposed to get the bonus on XX/XX/XXXX but called on XX/XX/XXXX when it was not deposited in my account. The next day, a {$400.00} bonus was deposited into my account. Today, I learned they set up my account as a Citi account and not a Citi Priority so I was only entitled to a {$400.00} bonus ( for accounts of {$15000.00} to {$49000.00} ). They confirmed I had in over {$50000.00} which makes it THEIR mistake, not mine. They refuse to honor my {$700.00} bonus. This is deceptive business/advertising practices. I am closing my account with the bank. 
I have an email with the offer but no files I can upload to this site.

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 2021-12-20 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: GA

Complaint narrative:
I have several accounts that I did not consent to be on my consumer credit file. I've sent in several requests to remove unauthorized information on my consumer credit file to this company directly. Instead of removing the accounts, they've chosen to simply " parrot '' verification from untrustworthy sources. Since then, they have even allowed more accounts to report on my file. They have willfully chosen not to comply with my demands. I have attached a document detailing my dispute.

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 2021-12-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
I reached out to Medical Data Systems on XXXX XXXX in response to the claim that I owe {$530.00}. I requested a validation of debt so that I can get additional clarity on this claim. Medical Data Systems did not respond with any of the information I requested. The response was " Based on our investigation of your dispute, it is our position we have identified you as the correct consumer for this account ''. 

Medical Data Systems continues to report negative information on my credit report even though this claim is disputed and they have failed to send the requested information to substantiate the claim under the Fair Debt collection Practices Act. 

I did not request verification or proof of my mailing address but a request for validation. 

I informed Medical Data Systems on XX/XX/2021 that they are in violation of the FDCPA.

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 2021-12-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Rausch Sturm LLP
State: UT

Complaint narrative:
He starts out by saying he is representing an Attorney, I believe this was stated to intimidate me. They call 5 or 6 times a day. I told him to take my number add it to the do not call list, and to send mail. I don't know who this company is. Normal Attorney 's don't call incessantly. They try intimidation by insinuating you are being sued. When all they are is a debt collector with shady dealing.

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 2021-12-20 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
1/ On XX/XX/XXXX, a purchase of {$4000.00} was made on my Amex XXXX XXXX for a month-long stay at a long-term rental in XXXX XXXX. 

2/ At the time, I was in XXXX XXXX and I did not make this charge. I also did not have access to the card as I had requested a new, different card that had updated styling ( rose gold as opposed to gold card ). The charge was made without my knowledge and I did not have possession of the card at the time the charge took place according to records. 

3/ I was unaware that I was not liable for fraudulent charges, so I reached out to the merchant asking for a refund. They explained to me that the charge was made for a non-refundable room. They would not make any exceptions given that I did not make the charge, and encouraged me to reach out to my credit card company. 

4/ Given how shocked I was at this charge ( which is 3x my monthly income ), I tried to dispute the charge as opposed to requesting a fraud investigation. I was unaware that these were wholly separate processes. Given that it was a dispute, and that it was an " unrefundable account, '' I claimed that I had gotten a XXXX XXXXXXXX and due to force majure, I would not be able to attend the booking, seeking some type of protection. 

5/ It was not until I called one of the American-based representatives explaining the situation that they explained that this was not a dispute case, but a fraudulent case, but that because I had disputed it initially, it would be difficult for me to process my case in my favor. 

6/ The merchant 's supporting documents show my correspondence with them, but they also include an invoice. This invoice only has my correct first and last name, but does not include my correct email address, mailing address, IP address, or phone number. This should be adequate evidence to put the case in my favor as a fraudulent charge. The address and IP listed a residence and country code of XXXX. 

American Express is choosing to side with the merchant. It has been roughly 9 months since the original charge, and I am seeking government help to recitify this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 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: FC HoldCo LLC
State: FL

Complaint narrative:
Spoke to a customer service representative on XX/XX/XXXX about removing hard inquiries that were unauthorized/put on my account without my knowledge or permission. They argued they cant remove it. Not satisfied as a customer as they should be willing to remove inquiries that the consumer knows nothing about.

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 2021-12-20 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
A few days ago, I applied for a credit card. They did a credit check and immediately granted me a card with {$3000.00} line of credit. this small amount is meaningless to me and not worth having another company accessing my credit. Now, I don't even know what my card number is. I can't access them on the phone without a card number. I need to contact me about this credit limit and have no way of doing so. They accessed my credit information and now I have nothing in return. A {$3000.00} line of credit is meaningless.

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 2021-12-20 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: Kriya Capital, LLC
State: LA

Complaint narrative:
Credence put collection in the amount of {$700.00} on my credit reports without my knowledge ; in doing so Credence RM violated the FDCPA Collection Practice by placing a collection account on my credit report without sending a letter to me. I request the following information be verified : Full original account number date original account was opened written agreement between myself & original creditor stating the debt is owed Full account summary & itemized calculation of alleged debt Date of the first delinquency Dates and times of any phone calls made in attempt to contact me concerning the alleged debt and to what phone number, before it was reported to Credence RM ( proving that these calls were made in the times governed by FDCPA law ). 

If Credence RM is unable to provide the account information, this account must be deleted from all credit reporting agencies. I have filed a dispute with XXXX which is pending investigation ( tentative date of results is XX/XX/2022 ). Credence RM failed to follow FDCPA by not sending me a letter allowing me time to dispute or validate the alleged debt within the allowed time XXXX time frame that is allowed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Im an active customer of Bank of America. I had held the credit card account for about XXXX years. I had a balance on the account which was paid off in full. My account was then later closed for inactivity. I attempted to resolved the issue with the bank. They told me its nothing they can do because it was closed already in the system. My credit was effected by this decision negatively. My account was always in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Good Afternoon On XX/XX/XXXX I Received a call from a so called Process Server claiming they had Court Papers in my name that need to be served to me. She claimed that she didn't have much information on this Debt  as the documents were sealed, and she asked if she could deliver them to me at around XXXX on that Friday, and I said no I won't be around. She then stated that I need to call this toll free number and reference this Case # to them. So, once I hung up I reached out to them. I got someone that picked up and said Law Firm and his name. I tried to ask the gentleman that i was talking to questions and he was very nasty and was getting loud with me and was claiming I owed 15,000 on a charge for a XXXX. I tried to get names and information on this debt and he couldn't tell me. I then hung up and called the police, and the police department stated that this sounds like fraud. He gave me some information on what I should do and I hung up with the officer. I then tried to call back a second time to that debt collect. When I called was the same thing. He said Law Firm and his name. So, I proceed to say may I get the name of your Facility and a address so I can send some information to you to get a better understanding on this so called debit I owed and I am going to the police. At, that point he started to yell at me and scream at me that I keep charging and charging on a credit and never paid it back and you can go to the police and tell the police department the card XXXX. I said I want to figure this out and understand what we are talking about I said I am not trying to fight with you but your getting nasty with me. HE then transferred me to another guy who was a little more calm but very abrupt with me. He stated that i am being Sued for a credit card about of 15,000. I asked him who the debt collector was and all he could say was First USA Bank / Chase. He then said that I was paying on this card back in XXXX and I stopped and then it went to collection which hes said that they attempted to send me notifications on this but Ignored it and it was sent to Fraud. I said how is that possible there is no such thing to do that. So, he then started talking over me getting more abrupt that he will now just send this to a Judge and they will garnish my pay and bank accounts. I tried to ask to get a phone number and a address of the person that is pursuing this debt and said I didn't need that it wasn't necessary and I said what address was the collection letter send to in XXXX and he could tell me that either. I said then serve me paper

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
On XX/XX/2021 I received a Wells Fargo text message telling me someone was trying to XXXX XXXX dollars out of my account and do I authorize this yes or no I responded no within XXXX I received a phone call a rep. stating he was calling from Wells Fargo and he was calling to stop the transaction and that it was someone from XXXX bank trying to take money from my account they told me they put a hold on the transfer but in order for me to completely stop the transfer I would need to download the app and put the same amount to reverse the transfer and go through XXXX to do it, ( Now ) in the middle of rep talking to me I muted the call and called the number that he called me from XXXX just to make sure and the number connected me to a Wells Fargo branch and it did, so I believed the person. I did the first transfer in the amount of XXXX dollars but when I seen the money leave my account I became worried but the rep reassured me the money would go back into my account, but when my account wouldn't let me do the second transfer that's when my red flag went up the rep said it must be a system problem and he will put a hold on my account and call me back tomorrow same time. I called the bank immediately after the call from the number he called me from the rep told me it was a fraud call and she would have to write up a claim, Wells Fargo closed my case after 10 days but noted my file that it was fraud but since I did the transaction then I am responsible but they will try to get my money back from XXXX, but could not guarantee me anything. You gave advice to woman in XXXX who ended up on the news, I am asking for help XXXX dollars is a lot of money me, please help me.

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 2021-12-20 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: Experian Information Solutions Inc.
State: KS

Complaint narrative:
Please i need someone to help me here. I sent out my first dispute letter to Experian on XX/XX/2021 and again every single month up to XXXX and to this day i have never received any information on the investigation status, deletion status or even verified. There are 2 inaccurate accounts on my Experian report and they are listed bellow yet Experian or The companies have yet to verify these accounts. I am completely in the dark and it has been well over 30 days. 120 days to be exact and this is really stressing me out. They are reporting unverified inaccurate information and it is really hurting my credit score. How can i get them to remove the unverified information from my report? This is crazy how they can just drag me through the mud like this. They are in violation of 15 united states code 1681 ( a ) and at this point i think it's deliberate bc i have asked them to investigate over 4 times and still nothing.

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 2021-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On Tuesday, XXXX XXXX I contacted chase to inform and inquire them about a large deposit of 5000 dollars that was going to be deposited in my account and i wanted to know when the funds would be available. I was informed that the funds would be available immediately. I transferred the money into my account that evening, 2000  from XXXX and 3000 from XXXX  The next day my account was closed and the money disappeared. I was told on several different occasions the money was returned to me, that the money never hit my account and that i should see the money any day. As of today XXXX XXXX1i still do not have my money returned to me. I have contacted XXXX  and XXXX XXXXustomer service and neither of them sees any transaction from chase on the money coming back to me. They will not do any investigations just repeating the money was returned.and that the money never hit my account no one knows anything as to where my funds have gone and no one at chase is willing to put any effort on helping me trace where my funds have gone. I have uploaded correspondence from both XXXX and XXXX showing that the money was transferred into that account successfully. My account was closed without any notification or reason as to why but a couple days later i was told i could reopen the account which i refused. I would appreciate your immediate response to this complaint. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX : Account number : XXXX, 15 U.S.Code 1666b ( a ). 

XXXX XXXX XXXX Account number : XXXX, 15 USC 1692a ( 4 ). 

XXXX XXXX : Account number : XXXX, 15 USC 1692a ( 4 ). 

XXXX XXXX XXXX  ( Original XXXX XXXX XXXX BY XXXX ) : Account number : XXXX, 15 USC 1692a ( 4 ). 

XXXX XXXX XXXX ( Original XXXX XXXX XXXX ) : Account number : XXXX, 15 USC 1692a ( 4 ). 

XXXX XXXX XXXX ( Original XXXX XXXX XXXX ) : Account number : XXXX, 15 USC 1692a ( 4 ). 

I have reached out to Experian and followed the proper protocols that were required of me but no satisfactory results were given to me. Please VALIDATE, NOT VERIFY these accounts

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 2021-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that I recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time.

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 2021-12-20 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: FL

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE REMOVE THIS ACCOUNT FROM MY CREDIT REPORT : 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 non-monetary relief