vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
On or around XX/XX/2022 Citibank blocked a standard ACH funding deposit and then claimed it was fraudulent. The bank holding the funds is a standard XXXX bank that I dealt with for years and is reputable. 

The Citibank Fraud department hung up on me repeatedly, then 1 individual there refused to tell me the nature of the problem, only that " it was under investigation and no other information was available. '' She promised a Supervisor would call me and I never heard from them. 

Now, after 50 years of perfect credit I can't open a bank account since this " fraud " report. I can't find the reason or source of the problem despite many calls and current reports from banking reporting companies eg XXXX systems etc., all showing a clean record. 

FYI, Citibank has hundreds of complaints of this nature on its XXXX page and on XXXX sites. 
This bank is engaging in fraudulent and slanderous behavior that is causing many problems for no known reason.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Acct # XXXX -has violated my rights XXXX XXXX XXXX  acct # XXXX -has violated my rights XXXX XXXX XXXX acct # XXXX -has violated my rights XXXX XXXX  XXXX act # 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 an account without my written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I stopped receiving notifications from Capital One via email as well as on the XXXX app. The app was also deleted from my phone, so I was not receiving notifications. I did NOT delete the app. I did not know a payment was dude, plus I keep a very low balance on that card. Typically less than {$65.00}. 

I have never missed a payment, ever. 

I spoke to an agent at Capital One : Name : XXXX - ID XXXX Date : XX/XX/22 Time : XXXX I am in good standing with a XXXX balance. 

Please do a one-time good will gesture to remove the late payment reporting. 

The negative item is preventing me from getting a home loan. My credit is in excellent standing otherwise. This one small missed payment caused by the lack of notifications is affecting my credit negatively. 

Thank you so much. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Monterey Financial Services LLC
State: FL

Complaint narrative:
First of all, I have three companies ( Monterey financial services, XXXX and XXXX XXXX ) writing, emailing and call me for the same account. Each of them have different account numbers but Monterey financial services have me list on the credit bureaus as being late. I called XXXX XXXX who I was making payments to about my account they told me they do not put anyone on the credit bureau. I asked them then who is Monterey financial services. I called them and I was switched to the collection department. i asked why did they put me on the credit bureau and they said I missed a payment. I never missed a payment to XXXX XXXXt but they said I missed in XX/XX/2021 which the payments were taken out automatic each month. I called my credit card company and they said a payment was never taken out but two payments were taken out the following month. I offered to pay this account out full if they would remove the information from my credit because it was not my fault and I don't know who Monterey financial is and they have report inaccurate information to the credit bureau. they said they could not remove it and they would file a dispute and get back with me. No-one from that company did not get back with me and they continued to call, email and harass me along with the other two companies.. I wrote three letters to Monterey financial and they have not responded to any of them. They have continued to ruin my credit reporting late payments inaccurate information and they have not prove the account is mine which is information I requested..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-30 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
secure american express employees have been holding over five hundred dollars of my money now for over a month and every time i try to call them i get hung up or placed on hold and when i finally get someone on the phone they say they have not gotten my documents when i have emailed them to them twice and faxed it once and also had technical support upload them once for me yet they continue to say they have not recieved them. and when i originally contacted them about the issue when the charges were still pending they wouldnt stop the charges from going through and now im struggling to get my money back and keep being mistreated and ignored and lied to by the staff.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
I sold my Florida property on XX/XX/2022. The mortgage was serviced by XXXX XXXX XXXX XXXXNationstar Mortgage XXXX . I received the correct closing proceeds from the XXXX XXXXl title company the same day on XX/XX/2022. Several weeks later on XX/XX/2022 I received a bank wire to my checking account from XXXX XXXX for the amount of {XXXX}. I contacted XXXX XXXX on XX/XX/2022 to ensure this was correct. Per the attached memo the transaction was correct. I called XXXX XXXX XXXX XXXXNationstar Mortgage XXXX to verify as well. The mortgage company stated the transaction is correct and the funds were mines to keep. I emailed XXXX XXXX XXXX XXXXNationstar Mortgage XXXX XXXX XX/XX/2022 to address the issue and was given the same response to keep the funds. I followed up again XX/XX/2022 and received a response on XX/XX/2022 that they will review my account. Followed up again on XX/XX/2022 and the mortgage company stated to return the funds and did not provide details why to return the funds. I did not use any of the funds due to the nature of this issue.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
I called the company to see what loan was taken out with my information. I received a letter in the mail stating that I had a loan that needed to be paid back, I did not apply for a loan in the amount of {$930.00}. They confirmed that my information was used, I asked for the email on the file, which they refused to give it to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I received a debit card from Citibank on XX/XX/2022. I called Citibank to report that I did not request a debit card and do not have an account with them. After being transferred three times, no one could seem to help me. I reported to the XXXX XXXX XXXX, and put a fraud alert on my credit report. I could see that they ran a credit check through XXXX. Today, XX/XX/2022, I received a book of checks. I called Citibank again. This time, I was connected to the fraud department. The gentleman on the phone refused to give me any information, but did state that they would open a fraud investigation. I still have no information about how or when this account was opened.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I am a longstanding Citibank customer. There was fraudulent activity on my debit card/checking account today. While I was on phone for 90 MINUTES with Citibank fraud department, someone changed my banking password and entered four fraudulent XXXX transactions as well as a transfer out of my checking account. The Citibank fraud department cut off my access to account, but allowed several of the fraudulent transactions to go through. When I complained and told them to stop the XXXX transactions, I was told they could not stop them, and they had to be reviewed in 45 day fraud investigation. 

This is an outrageous security breach. Citibank personel were absolutely incompetent at getting to bottom of the problem and did nothing while fraudulent activity continued to be posted to 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 monetary relief
Consumer complaint received 2022-03-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I have two XXXX Synchrony Bank credit accounts for which I have been making payments for the past four years and have noticed that the balance has not decreased or has increased and I have not made any purchases on the account. I initially thought it was the interest that I was being charged however upon discovery it appears that it was due to fees specifically a security fee of more than {$100.00} per month and my minimum payment is {$62.00}. I also noticed that my interest rate was 0 % so this fee was increasing the balance and causing the account balance not to decrease.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-30 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have noticed many inaccurate accounts appeared in my report. And I have already files the proper documentation for these accounts and have sent it to the bureaus but they did not correct them. Kindy see attached documents for these account I am complaining.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-30 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: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
Chexsystems and XXXX ( XXXX ) are in violation of federal law pursuant to 15 U.S. Code 1692c ( a ) ( c ) - Communication in connection with debt collection ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.

( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt Communication is defined as ( 15 U.S. Code 1692a ( 2 ) ) ( 2 ) The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. 

I the consumer have never given explicit written consent for XXXX ( XXXX ) to " communicate '' or chexsystems to furnish an alleged debt on my consumer report. Consumer report is considered a " medium '' where information is furnished. 

I demand Chexsystems and XXXX ( XXXX ) cease and desist pursuant to federal law 15 usc 1692c ( c ). XXXX ( XXXX ) and Chexsystems are in violation if the account is continuing to report and XXXX ( XXXX ) and Chexsystems do not have permissible purpose to report this account pursuant to XXXX XXXX XXXX. 


Immediately remove the XXXXXXXX XXXX with account # XXXX with a balance of {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 2022-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-30 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
A hard inquiry was made by XXXX  XXXX XXXX on XX/XX/2022 that was not requested by me and it is now showing on my credit report. The bank said that no card was issued so that they couldn't doing anything else on their end and suggested I work with the credit reporting agency. I am working with the credit reporting agency to get the inquiry removed but they said I would need a confirmation that I have filed a formal complaint with the government in order to ensure that this gets resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: MA

Complaint narrative:
I have been on the phone for 25 minute trying to catch my mortgage up to date. I removed money from my 403 k plan to pay back past 6 months of missed. freedom mortgage is refusing to take the money and I had asked to fill out a modification several times in the past few months and they said no I can't because I'm behind. I also told them it takes about 30 days for my money to come from my retirement and the last time they had me request the wrong amount and than charged an enormous late fee. I took out extra this time but really need a modification I was out of work due to an injury late in the summer refereeing hockey game at my part time job. The lady at Freedom just refused to take the payment and told me I could only apply for a forebearance

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA
State: CO

Complaint narrative:
On my credit report it shows that I've missed payments to one of my lenders AES/NAVIENT and that my balance has went up, presumably from missing payments, interest, and possible penalties, though student loan payments are suspended until XX/XX/2022. AES/NAVIENT has never mailed me a statement, either.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 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: GA

Complaint narrative:
On XX/XX/XXXX a fraudulent inquiry was placed on my Transunion report. I contacted the bank XXXX and Transunion to have it removed. I filed a FTC report and mailed letter twice to Transunion with info they requested. I also have called XXXX 3 times each time they tell me they are or have sent information to Transunion to have it removed. To this date XX/XX/XXXX its still on my report. Pleas help me get this removed. Thanks

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have noticed many inaccurate accounts appeared in my report. And I have already files the proper documentation for these accounts and have sent it to the bureaus but they did not correct them. Kindy see attached documents for these account I am complaining.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 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: CLGF Holdco 1, LLC
State: CO

Complaint narrative:
I used the credit card that you issued to me under Milestone MasterCard on the following charge to the XXXX hotel for XXXX rooms for our reservation for a total amount of {$590.00}. 

Reference Number Date Date Description of Transaction or Credit Amount XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$290.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$290.00} Total Balance {$680.00} due date XX/XX/XXXX Payment {$150.00} Total Balance {$540.00} due date XX/XX/XXXX Payment {$50.00} Total Balance {$630.00} due date XX/XX/XXXX Payment {$150.00} No XXXX statement Total Balance {$230.00} due date XX/XX/XXXX Payment {$290.00} XXXX cancelled my room reservations and received a refund back to the card from the XXXX hotel which was done in XXXX and is listed on the transactions below resulting in a credit of {$590.00} on the card with a XXXX balance. 

Reference Number Date Date Description of Transaction or Credit Amount XXXX XX/XX/XXXX XX/XX/XXXX THE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$290.00} XXXX Total Balance $ XXXX due date XX/XX/XXXX I contacted your card company at that time and requested that my credit be issued to me and was told that I would be issued a check. Since that time I have called every month asking where the check is. There was a cash advance done against my card see the reference number below showing where you took the money off my card. I have never received a check. The last time I called was XX/XX/XXXX and was told that the supervisor was doing an investigation and I would hear within XXXX to XXXX business day the results of the investigation and I would have a check in hand by XX/XX/XXXX. None of that happened. I contacted your company again today and spent XXXX minutes on the phone most of which was just being placed on hold and then eventually I just hung up because nobody was picking up the phone anymore with the same excuses and platitudes. I need to have action on this immediately. 

Reference Number Date Date Description of Transaction or Credit Amount XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX {$590.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have noticed many inaccurate accounts appeared in my report. And I have already files the proper documentation for these accounts and have sent it to the bureaus but they did not correct them. Kindy see attached documents for these account I am complaining.

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