vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I completed all requirements for Citibank 's " Citi XXXX Account Package '' {$700.00} checking promotion, however I did not receive the advertised bonus. On XX/XX/21, I opened the account on their website via the promotion 's landing page. Eligibility confirmed by providing zip code. On XX/XX/21, I deposited {$51000.00}. Per the bank 's terms, I maintained a balance greater than {$50000.00} for 60 days ( XX/XX/21 to XX/XX/21 ). The {$700.00} bonus is supposed to post within 90 days of meeting those requirements per their terms. Thus, I am supposed to have received the bonus by today ( XX/XX/21 ). Additionally, I maintained a non-XXXX balance of {$25.00} in the linked savings account attached to the account. " The terms stated : " Earn {$700.00} when you open a new checking and savings account in the Citi XXXX Account Package and complete the following requirements : Within 30 days of opening your account deposit {$50000.00} new-to-Citibank funds into the checking or savings account. Both checking & savings accounts need a non XXXX  balance. Maintain a minimum balance of {$50000.00} in your eligible linked checking and savings account for 60 days. ''

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 2021-11-11 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: Comerica
State: NY

Complaint narrative:
On XXXX XXXX 2021 at XXXXXXXX XXXX I paid XXXX XXXX {$150.00} on account ending in XXXX. Direct Express has no record of me paying this bill. I have a confirmation number from XXXX XXXX -- XXXX. A confirmation number means Payment Confirmation means a transaction document that can be part of a receipt, which shows a payment was issued or proof, evidence, approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 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: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. I want an answer immediately.

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 2021-11-11 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:
XXXX XXXX Does not have the authority to report any information to the credit Bureaus during an open CFBP / Arbitration case. They are breaking code 12 CFR 1026. They are also not allowing the process to be completed.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 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: Radius Global Solutions LLC
State: VA

Complaint narrative:
I received a notice that I owed {$200.00} for an unpaid XXXX XXXX bill from Radius Global Solutions LLC. After hours of attempting to contact XXXX XXXX I finally was informed that not only was I fully up to date on paying their bills, but the account number that was on the collection notice did not match my account number. I called the number printed on the collection notice and they said I had to submit a complaint in the mail and wait 30 days while they reviewed my case. I informed them that the notice was in error, but they insisted that this would move forward and that I would have to take this up with XXXX XXXX. Of course I had already contacted them and they disavowed any knowledge of Radius Global Solutions LLC. I asked if my credit score would be affected and they said " we will have to wait and see. '' I feel like sending them {$200.00} just to make this go away since I have a small business that can't afford any negatives on my credit score. However, this is exactly what this scam is all about so I am reporting it to you.

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 2021-11-11 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: PA

Complaint narrative:
This is XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX  XXXX XXXX XXXX XXXX  Balance {$79.00} XXXX  XXXX  XXXX XXXX XXXX XXXX  Balance {$530.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I have been a member of navy federal for a while and have repeatedly been denied for an auto loan preapproval. I have appealed the decision and never get any explination. Im aware of other people who have been pre-approved with much worse credit and lower income so I feel as though I am being discriminated against chich is a violation of the Equal Credit Opportunity Act ( ECOA ) 12 CFR Part 1002. Navy federal claims they could not verify my employment yet they never attempted to

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 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: PA

Complaint narrative:
I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, XXXX and Equifax to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX Enclosures : Social, ID, Identity Theft report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I called and spoke with A supervisor who was rude, disrespectful anx hung up in my face by the name of XXXX agent ID numbe - XXXX. I have expressed I have been unable to get my credit report or see any of my information and she stated I had to submit my drivers license which I have done prior. I explained to her I have completed that process and this company has refused to resolve the issue. This has been going on for over A year now! I informed them my last name was no longer XXXX and had been changed to XXXX and I provided my drivers license as proof. They have not updated any information in their system and instead keep asking me to resend the same Drivers license I have already sent now 3 times! I was A victim of fraud and need to have access to my credit report to go over. I have been unable to access it threw my XXXX XXXX  i have been unable to access three myequifax profile. And I am out of options.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 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: PA

Complaint narrative:
This is XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXXXXXX XXXX XXXX Balance {$530.00} XXXX XXXX XXXX XXXX XXXX Balance {$79.00} XXXX XXXX XXXX, XXXX XXXX Balance {$160.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: KEYCORP
State: PA

Complaint narrative:
CFPB case # XXXX KEYBANK case XXXX XXXX ( Prior case # XXXX ) I read KEYBANK reply to my complaint where I confirmed that previous refund of {$170.00} was made to account, as a gesture of goodwill. It happened after I completed manager 's request to provide an evidence where were bank error verified and confirmed. 
In regret the frustrating experience I have had I share this practice which needs to be an investigated. 

1. Picture # 1 from account statements on XX/XX/2021. 
On the picture you may see that account balance wasn't negative, but was charged with the overdraft fees {$38.00}. 

If this charge will be returned, account balance wouldn't be negative after all transactions including international fees. 
" Charge off '' is an accounting function, where overdraft fees is bank ambitions and makes balance negative {$260.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 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: IL

Complaint narrative:
I did not consent to, authorize nor benefit from any of the following accounts. Ive been a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I was notified by Bank of America on XX/XX/2021 that may email change needed to be confirmed. I have never had an account with Bank of America. I tried to call, but since I did not have an account number I could not access their voice system. 

One XX/XX/2021 I received an email from USPS notifying me of a change of address from my home of 20+ years to a new address. I did not submit this request. On XX/XX/2021 I received a paper notification from USPS. One XX/XX/2021 I went to the post office to find out how to correct this. In the process I learned that someone requested my address be changed to XXXX XXXX XXXX in XXXX, VA XXXX. I reported this with the US Postal Inspection Service. Service Request # XXXX. 

On XX/XX/2021 I received via USPS a credit card from Bank of America with a cash withdrawal limit of {$16000.00}. I NEVER opened this account. I contacted Bank of America at XXXX. XXXX in Fraud closed the account and asked me to destroy the card. He said he would request the original application for credit card but this could take up to 10 days. 

I then checked with the credit reporting agencies. I have freezes on all my credit as I was notified over the past several years of data breaches. It seems XXXX received the credit inquiry. I have requested a Fraud Alert from all 3 credit report bureaus. I would like to request a 7-year Fraud Alert but they need some kind of documentation stating I was a victim of identity theft. I have tried to speak with someone at XXXX by phone but their telephone system does not allow this. 

I also contacted the police in XXXX, VA notifying them of the address. I was told by Officer XXXX on XX/XX/2021 that she would take my information but the best course of action was through US Postal Inspection Service as this is a federal crime. 

I also contacted the owner of the apartment at XXXX XXXX XXXX in XXXX, VA. They got me in contact with the property manager. I spoke with her by phone on XX/XX/2021 notifying her that she has a potential federal criminal at this address ( XXXX XXXX, Regional Manager | XXXX XXXX | XXXX XXXX XXXX | XXXX XXXX | XXXX | Virginia | XXXX | ( o ) XXXX x XXXX | ( f ) XXXX ). 

Property Owner of Street Address:XXXX XXXX XXXX XXXX XXXX VA XXXX Owner : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mailing Address:XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, WASHINGTON, DC  XXXX Subdivision Name : XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I have submitted a pervious complaint in regards to this matter, now on top of the XXXX they initially took, my account is now overdrawn by {$160.00}. I would like my account to be refunded the overdraft fees they have charged me. this is ridiculous. They continue to charge me overdraft fees, when they are the reason my account is overdraft. This is ridiculous. I am attaching the screenshots of my account to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 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: Experian Information Solutions Inc.
State: SD

Complaint narrative:
I was sent an alert on XX/XX/21 indicating that an account with XXXX XXXX  was potentially negative. I was told by a XXXXExperian representative that the account is being reported as an open account and the account was closed with no balance. the information being reported is not accurate. there is also an account with XXXX  XXXX XXXX XXXX that is being reported as an open account through experianXXXX XXXXnd the account was closed years ago and has a XXXX balance ; it was paid in full. also, i have never had an account with XXXX XXXX in XXXX, XXXX  XXXX ; i was provided a letter from the bank indicating that no such account ever existed and that it would be removed and this was provided to the credit bureaus and it is still sitting on my credit report as an account that belong to me and it never has. the XXXX XXXX  account was paid n full and that is not reflecting accurate information. also, the balance on the XXXX/XXXX  account is incorrect ; it is being reported incorrectly and i was told that XXXX no longer has the account so the creditor information is not correct. the balance was a lot less than what is being reported by experian.

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 2021-11-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I received the overly verbose letter enumerating in detail why I was assessed the {$29.00} fee and why I was late unmaking the payments in the first place. 
There was no mentioned of the fact the the Post Office box on the pre-printed statement is the incorrect address for payments. 
Also, after calling the payment method indicate in the letter by phone, I just called that number, and was unable to make a payment because my only phone number ( XXXX ) was not recognized by the automated system, there fore that payment option was not a good one. 
I want to pay off the full amount, without any difficulties. ( Of course, with continued difficulties, the bank would continue to make money on fees. ) I am going to make a final payment in the balance due via a transfer from a credit card. 
Please allow me to make this final payment effortlessly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: IN

Complaint narrative:
XXXX XXXX XXXX # XXXX was helping us with a cash out refinance and after we paid for the appraisal we decided to cancel and not move forward with the entire process. ( I attached the documentation when I let XXXX know twice and even called XXXX ) I never received a response from XXXX and because of that they went ahead and contingently approve the loan which means they were never told this loan was withdrawn at our discretion. XXXX never let anyone else in XXXX department know as they confirmed they were not aware. XXXX is breaking XXXX agreement with having an NMLS and not doing what the consumer wants and truthfully it seems XXXX proceeded with the loan to collect gains, as in maybe XXXX receives incentive kind of like XXXX XXXX. I am extremely disappointed and upset over this situation with XXXX and the company and XXXX needs to be watched as XXXX is not aware of how lending works and how important having an XXXX really is

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Lakeside Recovery Solutions
State: FL

Complaint narrative:
I got a call from Lakeside Recovery Solutions on XX/XX/2021, They stated I owed a debt that I had no recollection of I asked the guy there to send me proof of debt and he said they cant send it anymore because they have sent it as many times as he can. I have never received anything from them and he began to tell me I am being a narcissist and that since I am a business owner I should have no problem paying the debt. He began to say that he didn't care if I paid or not because the Lawyers were going to sue me and take even more money from me. He then said he is there to answer questions but when I began asking questions he started saying that I am just trying to get out of paying and one of the questions I asked he stated he answered the question when he first answered the phone and was extremely rude about it. I told the guy on the phone that they had rules as debt collectors that they needed to follow and he told me that he has been doing this longer then I have been alive and that I dont know what I am talking about. He also told me to go detail cars to go make more money. I believe this company is a scam, if they were willing to help people they wouldn't treat people the way the do. I would like a copy of the call transcripts from every conversation I had with them yesterday. First call was at XXXX second call at XXXX third call at XXXX and 4th call at XXXX. All calls took place on XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 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: MA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 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: NY

Complaint narrative:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 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: PA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the account that is still reporting on my account : XXXX XXXX XXXX Balance {$710.00} Opened Date XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation