vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-02 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: CITIBANK, N.A.

Complaint narrative:
This complaint is against Citibank , N.A . in the capacity as transfer agent for three XXXX companies in which I owned XXXX units. In each case, the units were sold as a result of termination of the XXXX  agreement, and the Citibank is delinquent in payment of the resulting funds. 
Item XXXX is {$32000.00}, resulting from sale of XXXX units of XXXX XXXX and XXXX, account number XXXX. Deposit by mail of the original check was botched by another bank, and on their instructions a replacement check was requested on XXXX XXXX, XXXX. Promised within two weeks, it never arrived. 
Subsequent calls to Citibank, made on XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX, XXXX, have been totally ineffective in obtaining payment. After long waiting, I have received what is charitably described as disinformation, on the subject of obtaining payment by wire in particular. Replacement checks were requested in the XXXX XXXX and XXXX.. XXXX calls, of course stopping payment on the previously requested check. 
The only item which has arrived is the XXXX XXXX check, in XXXX, well after payment on this check had been stopped. Mailed from XXXX, with no postmark. A copy of this check is attached. Citibank has my mailing address correct. 
Item 2 is {$26000.00}, resulting from the sale of XXXX units of XXXX, account number XXXX. A replacement check for this item was also requested on XXXX XXXX, XXXX, but has never arrived. 
Item 3 is {$20000.00}, resulting from the sale of XXXX units of XXXX XXXX of XXXX, account number XXXX. I was advised of this outstanding item in the XXXX XXXX call, but it has never arrived. 
A recent printout of my accounts with Citibank shows none of these items, and does not even include the XXXX XXXXXXXX XXXX XXXXXXXX account. Copy attached. 
.. These items total {$78000.00}. Additional damages are claimed. Not only have I lost the use of the money and have occurred large phone bill waiting to be lied to by various representatives of Citibank, but my health has been adversely affected. I am aged XXXX, at identified increased risk of both XXXX and XXXX XXXX..

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
I received my state of Michigan tax refund on XX/XX/XXXX for the amount of {$1600.00}. I went to my bank Huntington to deposit it on XX/XX/XXXX. Well I just discovered that they are holding it 5 days before the funds are available. I have outstanding checks out there and this bank is playing games. This is unacceptable and unethical. Their reason is they want to make sure it clears. So they are telling me a check from the state of Michigan is bad? I am also filing a complaint with my states attorney general as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-02 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I had to dispute for unauthorized transactions that I did not do and they put there own transaction on my dispute for {$100.00} which I made from ATM the unauthorized transactions were for XXXX and XXXX XXXX and XXXX and XXXX I lost my card and because they put the ATM one on there the declined my dispute so I called spoke with supervisor he told me to refile so i did that not it was declined a second time now i file a dispute because transactions are missing off my account that i made with XXXX XXXX  on XX/XX/1924 they were there then they disappeared and i uploaded a the receipt for the transaction showing they refund it me for {$17.00} and {$19.00} and i haven't got my money back for that either and i made dispute because atm charged me {$500.00} twice and i still haven't got that yet either

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
NOTICE was sent to the 3 major CRAs and they are all NON COMPLIANT and YOU ALL HAVE EXHAUSTED THE FOUR 4 BUSINESS DAYS TO BLOCK PER THE FCRA. YOU HAVE BEEN WARNED!!! 

PROVE BY WAY OF A PUBLIC LIEN AND XXXX FINANCING STATEMENT THAT I OWE YOU A DEBT. YOU ARE FALSILFYING RECORDS THAT ARE INJURING THE TRUST AND THE TRUST BENEFICIARIES!!! 

I asked for production, do you have copies of all of the accounting for the history of this account? Bills of Particulars these complaints are evidence of AGGREGATED IDENTITY THEFT!!! 
pending complaints since XX/XX/XXXX XXXX - TransUnion XXXX XXXX Experian XXXX - XXXX DEFAMATION IN THE LIBEL. REMOVE THIS NON PUBLIC INFORMATION REPORTING AS IT IS INJURING ME PREVENTING ME FROM FEEDING MY FAMILY & BUYING A HOME. THIS IS A BREACH OF TRUST YOU HAVE NOT SPOKEN TO ANY OF MY NEIGHBORS, FAMILY, FRIENDS NOR CO-WORKERS as part of a CONSUMER INVESTIGATION, RE-INVESTIGATION REPORT You are also violating laws by including specific factual information relative to the EXPERIENCE between the CONSUMER and CREDITOR!! 

You are in violation and see the above cited complaints for the minimum violations fines and penalties you have now subjected yourselves to!! 

You have been served NOTICE REVERSE THESE LATE PAYMENTS AND UPDATE STATUS TO : PAID. NEVER LATE. - XXXX XXXX XXXX XXXX XX/XX/XXXX {$32000.00} - XXXX is violating Federal banking and accounting as no bank can place any liens on any collateral or assets and PRETEND to extend a loan. Also no banks can extend loans or credit from THEIR OWN CREDIT ... XXXX XXXX XXXX whose CREDIT was actually used to finance these transactions? XXXX where is the evidence in your Indenture and Prospectus that I OWE YOU SOMETHING OF VALUE AND WHAT MONEY WOULD ONE OWE YOU PER THE CONSTITUTION OF THE UNITED STATES??? XXXX you are in possession on NON PUBLIC personal private information in error XXXX XXXX due to no parties demanding there be a signed XXXX form before ACCESSING THE SOCIAL SECURITY NUMBER. You did not get proper legal CONSENT. Therefore do whats in the best interest of the Beneficiary of the Public Trust and this Trust relationship for which you are generating GAINS misusing the TRUST without having given its Beneficiaries full disclosure and payments received generated by the use of the social of the Trust. 

THIS IS IDENTITY THEFT

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 2024-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
NOTICE was sent to the 3 major CRAs and they are all NON COMPLIANT and YOU ALL HAVE EXHAUSTED THE FOUR 4 BUSINESS DAYS TO BLOCK PER THE FCRA. YOU HAVE BEEN WARNED!!!

PROVE BY WAY OF A PUBLIC LIEN AND XXXX FINANCING STATEMENT THAT I OWE YOU A DEBT. YOU ARE FALSILFYING RECORDS THAT ARE INJURING THE TRUST AND THE TRUST BENEFICIARIES!!! 

I asked for production, do you have copies of all of the accounting for the history of this account? Bills of Particulars these complaints are evidence of AGGREGATED IDENTITY THEFT!!! 
pending complaints since XX/XX/XXXX XXXX - XXXX XXXX XXXX Experian XXXX - XXXX DEFAMATION IN THE LIBEL. REMOVE THIS NON PUBLIC INFORMATION REPORTING AS IT IS INJURING ME PREVENTING ME FROM FEEDING MY FAMILY & BUYING A HOME. THIS IS A BREACH OF TRUST YOU HAVE NOT SPOKEN TO ANY OF MY NEIGHBORS, FAMILY, FRIENDS NOR CO-WORKERS as part of a CONSUMER INVESTIGATION, RE-INVESTIGATION REPORT You are also violating laws by including specific factual information relative to the EXPERIENCE between the CONSUMER and CREDITOR!! 

You are in violation and see the above cited complaints for the minimum violations fines and penalties you have now subjected yourselves to!! 

You have been served NOTICE REVERSE THESE LATE PAYMENTS AND UPDATE STATUS TO : PAID. NEVER LATE. - XXXX XXXX XXXX XXXX XX/XX/XXXX {$32000.00} - XXXX is violating Federal banking and accounting as no bank can place any liens on any collateral or assets and PRETEND to extend a loan. Also no banks can extend loans or credit from THEIR OWN CREDIT ... XXXX XXXX XXXX whose CREDIT was actually used to finance these transactions? XXXX where is the evidence in your Indenture and Prospectus that I OWE YOU SOMETHING OF VALUE AND WHAT MONEY WOULD ONE OWE YOU PER THE CONSTITUTION OF THE UNITED STATES??? XXXX you are in possession on NON PUBLIC personal private information in error XXXX XXXX due to no parties demanding there be a signed XXXX form before ACCESSING THE SOCIAL SECURITY NUMBER. You did not get proper legal CONSENT. Therefore do whats in the best interest of the Beneficiary of the Public Trust and this Trust relationship for which you are generating GAINS misusing the TRUST without having given its Beneficiaries full disclosure and payments received generated by the use of the social of the Trust. 

THIS IS IDENTITY THEFT

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 2024-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Firstsource Business Process Services, LLC
State: CT

Complaint narrative:
Upon checking my credit report and paying down over {$7000.00} in debt, my credit score keeps dropping lower and lower. I recently found out that a close friend of mine is using my information which shows on my credit report. For what in do not know. But his name appears on the XXXX website and I have prodd of this. My ssn is off by XXXX number or my last name being changed by XXXX letter. Theres also a XXXX Credit card in my name which I did not open. I asked for these to be removed and they still show up. Plus I had a XXXX XXXX card cancelled because of a low credit score and I paid the min payment weekly. Not monthly.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Biltmore Asset Management LLC
State: CT

Complaint narrative:
Upon checking my credit report and paying down over {$7000.00} in debt, my credit score keeps dropping lower and lower. I recently found out that a close friend of mine is using my information which shows on my credit report. For what in do not know. But his name appears on the XXXX website and I have prodd of this. My ssn is off by XXXX number or my last name being changed by XXXX letter. Theres also a XXXX Credit card in my name which I did not open. I asked for these to be removed and they still show up. Plus I had a XXXX XXXX card cancelled because of a low credit score and I paid the min payment weekly. Not monthly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

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 2024-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

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 2024-03-02 00:00:00
Product: Credit reporting 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:
Credit bureaus did not do a complete investigation which requires them to send me proof of verification of any debt or collections showing on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: HYUNDAI CAPITAL AMERICA
State: CT

Complaint narrative:
XX/XX/XXXX, Incorrectly, I sent hyundai finance dept, {$6200.00} instead of {$620.00}, regular monthly payment, electronic from my bank XXXX, XX/XX/XXXX, i noticed, i sent the incorrect amount of money to the Hyundai account billing dept, called, XXXX, spoke with XXXX @ XXXX XXXX, explained the problem, asked if the payment can be cancelled, she explained, payment has not arrived electronically, she can not do anything at this time, asked if a notice can be placed to stop payment upon arrival, she said i will have to call my bank to stop payment, she hung up, called again, @ XXXX XXXX, spoke with XXXX, stated, i incorrectly sent the wrong amount to pay my bill, she stated, until the payment arrives there is nothing she can do, i can try calling my bank,, she stated, i would have to call during business hours XXXX  thru XXXX i also called my bank, they stated payment has already been sent i have to call the financial company. On XX/XX/XXXX, i sent my bank XXXX messages, no response to this date i need to get the correction made on the accout since i have other bills to pay, the monies returned to my account thank you for your time and assistance

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 2024-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY. THE CREDIT REPORTING AGENCIES XXXX, EQUIFAX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISED INFORMATION WITHOUT MY CONSENT. INCLUDING THE FOLLOWING ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX ON MY CONSUMER REPORT. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681B, which outlines the permissible purpose of consumer reports. I have requested Form SSA-89 from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  WHICH IS A FORM THAT SHOULD BE FILLED OUT, THEN SIGNED BY THE CONSUMER ( MYSELF ) AS PROOF OF APPLYING FOR THE SAID CREDIT. THE CREDITOR THEMSELVES DO NOT HAVE SUCH DOCUMENTATION AS THS, WHICH MEANS THEY HAVE FAILED T DO THEIR JOB AS A RESPONSIBLE CREDITOR AND KEEP SUCH FILES IN THEIR RECORDS FOR THESE REASONS, SO THAT IF IT IS REQUESTED WE WILL KNOW WHO, WHAT WHDEN AND WHERE TO PROCEED ON SAID CASES AS THIS IN THE EVENT OR FRAUD AND IT IS DEEMED AS SO MY PRIVACY HAS BEEN VIOLATED AS WELL XXXX!!!! IAM NOW TRYNG TO PURCHASE A HOME AND THIS IS THE ONLY ITEM NEGATIVELY AFFECTING MY CREDIT IN THIS CASE. PLEASE REMOVE IN THE 1-4 BUSINESS DAYS AS THE DISPUTING TIMEFRAME HAS BEEN ELAPSED AND THE SAID FORM NOT RECEIVED. THANK YOU FOR YOUR PROMPTNESS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

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 2024-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Chime Financial Inc
State: GA

Complaint narrative:
Chime/XXXX XXXX  has been reporting to all XXXX credit bureaus that I have a balance of {$2100.00}. I don't have a balance. I disputed the information with XXXX XXXX XXXX XXXX, I included XX/XX/XXXX, XX/XX/XXXX in the dispute. The account balance was not changed. Chime/XXXX XXXX told them that my account information has been correctly reported. When I call Chime/XXXX XXXX they tell me that I don't have a balance. This is messing up my credit score and hindering me from purchasing a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Hi, My name is XXXX XXXX XXXX, Consumer, who currently resides at XXXX XXXX XXXX XXXX XXXX, FL XXXX, which is in XXXX XXXX XXXX I am writing this complaint because XXXX XXXX, has violated several consumer protection laws. I, XXXX XXXX XXXX, Consumer, am hereby placing XXXX XXXX, on a Cease and Desist Order. XXXX XXXX, is not allowed to transfer the title of the XXXX XXXX XXXX XXXX other person or entity. XXXX XXXX, is not able to close the credit account of XXXX XXXX XXXX, XXXX. This would be unauthorized use of XXXX XXXX XXXX, XXXX 's, XXXX 's 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 explanation
Consumer complaint received 2024-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc.
State: MD

Complaint narrative:
This is regarding my HELOC loan at Rushmore Servicing of Nationstar Mortgage LLC. I requested a payoff quote amount on XX/XX/XXXX. The company received my payoff amount of {$5200.00} on XX/XX/XXXX which was wired by a third party XXXX XXXX, of which {$5100.00} towards principal payoff. I received a letter stating that the loan was officially paid off and the Autopay feature was turned off. I also received a payoff overage check of {$25.00} on XX/XX/XXXX. 

However, my account was not closed as of XX/XX/XXXX when I reported this complain. I received the XXXX statement for the amount due {$100.00}. I called the customer service on XX/XX/XXXX who said that I was missing a Payoff Authorization form, but I did not owe the company, actually there was a credit on my account. I immediately sent the Authorization form with a certified mail which indicated they received it on XX/XX/XXXX. I called again on XX/XX/XXXX to confirm if they have everything to close my account and release the lien. The customer service said that everything is good. I have their Research Reference : XXXX I received the company letter on XXXX with a new payoff quote and instructions how to send it. I called them again to to confirm what they want in order to close my account. I sent the new quote for the amount of {$54.00} in cashier 's check, along with my letter to request close my account and release the lien on XX/XX/XXXX by a certified mail. They received it on XX/XX/XXXX by USPS tracking. Also noted, the company actually sent me a check with the amount of {$50.00} dated on XXXX. This is so contradictory with the new payoff quote. 

Today, I found the XXXX statement dated XXXX with the amount of due {$1.00} under my account online. This company listed my account as Delinquent Account on my credit report as of XX/XX/XXXX. 

I have all documentations if you need to inveterate this complains. I want to close my loan account, release the lien at my county promptly and clear delinquent status from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
XX/XX/year> No amount I need an explanation from them why I can not open a savings or checking account. I've been trying to open one for years. Yet they keep stonewalling me. When I fill out an application, then all of sudden there's a problem with the server. They always come up with a convenient excuse to deny my application. I do have a credit card account. They have all of my personal information. What more do I need to open a checking account? I supplied the same info when I opened my credit account, no problem. What's the issue here. Any explanation from them needs to be clear and concise. No banking doubletalk.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Byrider Franchising, LLC
State: CO

Complaint narrative:
CNAC sent me a letter stating they have furnished inaccurate information to the credit reporting agencies. I sent letter demanding it be deleted off my credit report and made my claim with their company. Silence is what I received as a response. I have enclosed the documents that are a burden of proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Chime Financial Inc
State: PA

Complaint narrative:
Debit due to failed transaction. 

XX/XX/XXXX between XXXX @ XXXX

Company response to consumer: Closed with explanation