vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
To this day I have not received a written response from Citibank in regards to the Unauthorized Wire Transfers from my account. 

I have asked for months for Citibank to review my account for Fraud. Within their VERBAL response they have said that the fraudulent activity was my fault. That is not true. Someone hacked into my Citibank account and changed the password without my knowledge. I did my due diligence and called the Bank immediately to advise of the unauthorized activity. 

Citibank failed to protect my account. They were advised of the fraudulent activity within minutes of it occurring. On XXXX but Citibank failed to do anything to try and research or recover the funds until XXXX. Their failure to respond in a timely manner to my call of unauthorized wire transfers caused the funds to be unrecoverable.

Citibanks Fraud department did not begin its research until XX/XX/2021 at which time they mailed me affidavit of unauthorized wire transfer. I completed the form and returned it within the required time. But there review was already 2 months after the person gained unauthorized access to my account and made the unauthorized wire transfers. 

Regulation E provides protection to the consumer against unauthorized wire transfers and it explains the responsibility of the bank.

Citibank failed to meet any of the requirements of Regulation E in the treatment of my unauthorized wire transfers.

1. They Failed to respond in a timely fashion and investigate the unauthorized wire transfers.

2. They failed to send a written explanation of their finds from the review.

3. Failed to advise me of my rights to request documentation explaining what was done and how they came to their conclusion. I have asked for the name of the person who committed the unauthorized transfers and the bank info in which it was sent. But nothing has been provide. Without this information I am unable to seek legal actions against the person.

Citibank failed to research in a timely fashion causing my Savings and Checking accounts to be emptied and prevented the recovery from the thief. 

After multiple calls to have the hold removed from my checking account and to have my funds issued to me I have not received them. Their letter says to call the fraud department but even those calls has not resulted in the funds being released to me. So they are still illegally holding my money after the fraud investigation has been resolved. 

Money from the IRS and from my Employer as a payroll deposit. 

I am still seeking assistance in recovering my funds and obtaining the releases of my money from account now that the fraud claim has been closed.

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 2021-09-30 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I purchased an Ebook online for {$18.00} and when I checked my bank statement, there were two charges on my card for {$18.00} and {$27.00}. The charge descriptions on the statement says that both charges are for the same order # XXXX. However, my receipt shows that there should only be one charge for {$18.00}. I explained the situation to Wells Fargo and provided the receipt as proof but my dispute was denied.

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 2021-09-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
TRANSWORLD SYSTEM INC/ Original creditor : XXXX {$1200.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Paid off : 0 % Balance on XX/XX/XXXX Original balance {$1200.00} {$1200.00} Payment Info Original balance {$1200.00} Balance {$1200.00} Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status date XX/XX/XXXX I have never heard of this company until today when I reached out to XXXX to settle past due balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
THIS File is reporting twice on the reports with XXXX. called them and spoke with an XXXX speaking person, hardly understand, but he threatened me to pay immediately with a demanding voice. this should be a violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
I have been disputing this account for some time now with AD ASTRA RECOVERY. I sent an initial dispute letter asking for verification of this account because I am not familiar with this account and they have not responded. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. My letter was delivered on XX/XX/XXXX, and here is the tracking number XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
Like many people, my family and I were impacted financially by Covid 19. In XXXX of XXXX I was laid off from my position of eight years because of the effects of the pandemic. This caused financial hardship for me and unfortunately caused me to become past due a few payments with my Capital One Credit card ending in XXXX, and one payment on my Capital One Auto Loan ending in XXXX. 

Fortunately things are starting to get back on track now. I have completed a payment plan with Capital One on my credit card mentioned above that has now brought me current, and also have brought my Auto Loan current. I reached out to Capital One in regards to removing these late payments since they were caused by a natural disaster, and I have been told that my Credit Card is marked as restricted. The only way to lift this restriction is too make the next three months minimum payment on time, even though the account is current. This was not stated in my Terms and Conditions when setting up this payment plan to bring the account current. Because of this restricted status, their Account Resolutions Department is unable to help me with removing the late payment from my credit report. 

I take great pride in my credit as it was over a 700 prior to the financial impact of Covid 19. 

I am requesting that Capital One lift the restricted status of my Credit Card ending in XXXX and also remove the late payments for this card for XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and any others that have not reflected for this account yet. I am also requesting they remove the late payment for my Auto Loan account ending in XXXX for XX/XX/XXXX. By viewing my accounts with Capital One and my years and years of being a customer, it is obvious that all best efforts were made to keep my accounts current, and that my payment history was flawless many years prior to the Pandemic. 

I have attached two files to this message. One is my notice of separation from the company I worked for when the pandemic hit, the other is the terms and conditions I received when my payment plan was set up with Capital One to bring my payments current. Nowhere does it state that my account will be restricted or that I will have to make an additional three months consecutive payments to lift this restricting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ResidentCollect, Inc.
State: TX

Complaint narrative:
I have been disputing this account for some time now with INNOVATIVE RECOVERY. I sent an initial dispute letter asking for verification of this account because I am not familiar with this account and they have not responded. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. My letter was delivered on XX/XX/XXXX, and here is the tracking number XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The 3 Credit Bureaus are reporting inaccurate information on XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: NOVAD Management Consulting, LLC
State: WA

Complaint narrative:
I am the real estate agent trying to sell the home for an estate in probate located in Washington State. The amount owed on the home plus the compounding interest from the reverse mortgage far exceeds the current market value. I have submitted requests to Novad for approval of a short sale. Emails regarding the short sale were sent on XX/XX/2021, XX/XX/2021, XX/XX/2021, and XX/XX/2021. I have tried calling the service center at XXXX several times and have not been able to talk to an actual person. The recording says hold time is 0 minutes. On XX/XX/2021, at XXXX XXXX PST I sat on hold for 38 minutes and left a message. On the same day, I called again at XXXX and sat on hold for 2 hours and 8 minutes. There is nobody to escalate my emails/phone calls to and need clear direction for resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have attempted to disputed the information on my credit report several times asking for an investigation into the matter on XXXX, XX/XX/XXXX, XX/XX/XXXX. 

Per TransUnion they investigated the dispute RESULT : Disputed information was verified as accurate TransUnion investigated your dispute but did not change your information. 

The account is in collections from a company I have never heard of which is XXXX XXXX XXXX XXXX which also lists XXXX XXXX  Original creditor - XXXX -called them and they confimed no knowledge of the account and also that had received numerous other calls about XXXX XXXX XXXX XXXX  - date of first call XX/XX/XXXX I do not owe this debit. TransUnions procedures in validating this information is questionable as on XX/XX/XXXX The Department of Financial Protection and Innovation -California issued a Desist and Refrain XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX & XXXX ) is a California corporation formed on or around XX/XX/XXXX, with a last known business address at XXXX California XXXX XXXX XXXX XXXX, XXXX , California XXXX TransUnion however continues to allow this company to place this collection account onto my credit report and refuse to remove it through the dispute process. It has cost me financially and effect my ability to find housing

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 2021-09-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
this about my apple card, I received an email about 3 weeks ago that a new card has been sent to me, but i never received the card. Today I got another email to activate my card, which i never got and was not supposed to get a new card because my Apple card is working and not expired yet. I have contacted Apple card support right when I got the first email about a card been sent to me, also today to notify them of the second email I got today. I was told by Apple card rep. to notify you as well. 


Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
The Chase Sapphire Reserve credit card ran a " No Interest, No Monthly Fee '' promotion on their " My Chase Plan '' program that ended on XX/XX/2021. I took advantage of their promotion by purchasing 2 travel vacations, one at XXXX XXXX XXXX for {$6700.00} on XX/XX/2021, and another deposit at XXXX XXXX on a second trip for {$400.00} on XX/XX/2021. Both purchases were within the parameters of the Chase promotional period. When I went to sign on to take advantage of the " My Chase Plan '' promotion, I was told on a Chase website pop-up that my purchases did not qualify for said promotion. On XX/XX/2021, I tried again to put both those purchases on the Plan and both purchases were now eligible, but there would be a monthly fee for doing so. On 3 or 4 calls to Chase, they declined to remove the monthly fees that I was now being charged. Chase has declined to honor their own promotion and I have been charged fees that were not in existence when I made my travel purchases in accordance with their Plan promotion. I am requesting those current and future monthly fees be removed from " My Chase Plan '' and Chase honors their own promotion. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-30 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: FL

Complaint narrative:
I reached out to XXXX XXXX XXXX XXXX and XXXX XXXX XXXX via certified mail in regard to an auto loan account that is involved in an ongoing XXXX case. 
In the later part of XXXX or early part of XXXX, I was considered XXXX due to a work injury, which XXXX XXXX was made aware of the XXXX case and deemed XXXX XXXX XXXX responsible for taking over my payments and submitting them to XXXX  on my behalf. Since this agreement went into effect, I now have more than 10 late payments being reported to the credit reporting agencies; dropping my credit scores tremendously ; and leaving my credit profile damaged because of the number of late payments Prior to this, I have always had an outstanding relationship with XXXX and made every attempt to pay my bills on time. Therefore, due to the nature of the issues being that it was a XXXX case and their insurance company, I reached out to XXXX on XX/XX/XXXX by phone to discuss my concerns regarding this matter and was told that " they could not help me and that I would have to reach out to the credit bureaus to dispute it ''. I even went to the extent of paying the final payment bring the account to a XXXX balance in hope that this would be resolved. 

I do not understand how XXXX was not able to help me resolve this when they are the one who reports the account status to the credit reporting agencies. This matter has caused a great amount of stress from being denied for credit and now my character has been questioned as if I don't pay my bills on time. 

I respectfully ask, due to the nature of the issue stemming from a XXXX case that they DELETE the account from being reported to XXXX XXXX, XXXX, XXXX and Transunion or update all the late payments on this account to paid on time and as agreed. If this is not or I will have to seek legal counsel. 

Please see the attached letter of the certified tracking numbers for letters that was sent out

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 2021-09-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I was checking my credit report and I got shocked from what I saw Its impossible to believe that you reported negative account which is not mine. I never had it so because of you I have low credit score what means I'm not able to buy apartment for my family.

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 2021-09-30 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: FL

Complaint narrative:
I was checking my credit report and I got shocked from what I saw Its impossible to believe that you reported negative account which is not mine. I never had it so because of you I have low credit score what means I'm not able to buy apartment for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: IN

Complaint narrative:
I started a dispute with National Credit systems on XX/XX/2021 and I was told 30 business days for a decision and update to be made. The date for it to be due was XX/XX/2021 and I have not received any updates regarding the dispute or a confirmation of the results. I have contacted them and they have been reluctant to provide additional information. They attempted to collect money from me while the dispute is open and the collection representative stated information about having law experience when I told them they were not following the guidelines put in place to protect consumers. They are not filling dispute guideline or the Fair Credit Reporting Act. I have been patient during this process but, I am currently in the process of applying for housing and this agency in reporting incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on LVNVFUNDG. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve.Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Reports : XXXX XXXX-Date of Inquiry XX/XX/2021 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 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: NV

Complaint narrative:
After 9 years with company they restricted my card and require documents from my authorized users. I do not have those documents and offered to remove them from the account. They replied that they would not be able to release the account unless I provided this information. This was never agreed at the time of adding the users. The company also never informed me this would be happening. User was declined while making a food purchase for {$20.00}. Additionally they said I would need this information for people that have been removed from the card.

Company response to consumer: Closed with explanation