vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
I am writing to dispute inaccurate information on my consumer report that is being provided by XXXX XXXX and early warning solutions. This misinformation is hindering my ability to open a bank account, and I request its immediate removal. Additionally, I request that XXXX XXXX and early warning solutions provide proof of the accuracy of the disputed information in accordance with the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2024-01-04 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
Subject : Inability to Utilize American Express Gift Cards and Lack of Customer Service Resolution Complaint Description : I, XXXX XXXX, currently residing in XXXX, NV, and serving as the XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX wish to file a formal complaint regarding the issues I've encountered with American Express ( AMEX ) gift cards. 

Issue Overview : Duration of the Issue : Since late XXXX to early XXXX. 
Nature of the Problem : Received multiple AMEX virtual gift cards from my employer, which were initially functional but are now universally declined both online and at physical locations ( including restaurants, grocery stores, and when attempting to add to XXXX XXXX ). 

Attempts at Resolution : Customer Service Interaction : Upon contacting AMEX customer service, no viable solution was provided. The representatives were unable to : Suggest locations for card usage despite AMEX 's claim of universal acceptance wherever AMEX cards are accepted. 
Transfer balances from the virtual cards to a physical card. 
Issue a refund or convert the balance to cash or check. 

Additional Limitations Noted : The cards do not permit partial payments. 
Restrictions on charging amounts close to the total card balance. 

Primary Concerns : Inaccessibility of Funds : The current status renders the money on these cards inaccessible for over a year. 
Misleading Advertising : AMEXs claims of universal acceptance of their gift cards are proving to be false in my experience. 
Potential Consumer Impact : This situation seems to be a broader issue potentially affecting numerous consumers, suggesting a systemic problem with AMEXs gift card policies and functionality. 

Resolution Sought : I am seeking the total balance on my four unusable virtual cards in the form of cash or check. 
My intent is to gain access to the funds rightfully owed to me and ensure that AMEX addresses these significant service shortcomings for all consumers. 

I trust that the CFPB will take this matter seriously and aid in resolving this issue effectively. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I have had an account for over 25 years with Citibank. 

From XXXX XXXX XXXX I made a lot of cash transactions from the account ( withdrawing cash from ATM, teller, cash advances, etc ). I verified my identity every time I was asked about it. 

On XX/XX/2023 I couldn't access the account. I called and wasn't able to contact them since the account or ssn didn't exist ( any longer ). Walked to a Citibank branch, and was provided a different number to call. I realized the branch was completely helpless and couldn't even access my account information. 

Called the Bank Fraud and Security and they stated " the account has been refereed for closing, the review last 30-60 days, and there is not more information ''. They hang up on me XXXX. 

I requested : 1- Unblock the account, let me withdraw my funds from a branch where you can verify my identity XXXX more time, I can close the account myself since you have made a decision not to service it. 

2- I told them I had my payroll direct deposited that day- which would serve for paying rent, Holiday expenses, food, etc. I needed the funds for day to day operations. 

3- To accelerate the closing of the account. You can't block my funds for 30-60 days as stated by the Security personnel .

It has been almost a week, and they haven't released my funds. They have blocked my payroll direct deposit. Basically, they are keeping my money with no authorization. If they have decided not to service my account any longer, I am fine with the decision, but I want my funds delivered to me on a fashionably manner. With the level of technology that exists today, the 30-60 days they give you- which is not acceptable. After all this is not a credit card or a loan. This is my money!

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 2024-01-04 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: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: IN

Complaint narrative:
I received and email this morning from XXXX XXXX that I had a late payment that was reported to them from Mountain America CU. It was for a missing payment for a credit card or account that was opened in XXXX of 2023. It said I had missed a payment and I was late anywhere from XXXX days. The balance on XXXX XXXX  says {$750.00} with a credit limit of {$9000.00}. I immediately called the credit union and spoke to their fraud department who verified my information and that this appeared to be a fraudulent account. They then gave me instructions on where to go from here, filing a report and reaching out to the credit bureaus to freeze my accounts for reporting until this suspected identity theft is resolved. I was instructed by the company to email them my information and this case number so they can proceed with resolving this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Sarma
State: FL

Complaint narrative:
I had applied for Solar Panels with XXXX XXXX XXXX  which was approved on XX/XX/XXXX. However, there is a second hard inquiry from XXXX XXXX XXXX on XX/XX/XXXX which results in an increase of the hard inquiries on my account. 

Same for SarmaXXXX there was one inquiry on XX/XX/XXXX and another one on XX/XX/XXXX. I only authorized 1 inquiry same for XXXX. Inquiry date XX/XX/XXXX and another one on XX/XX/XXXX all the above are duplicated and have a negative impact on my inquiry count.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CORELOGIC INC
State: FL

Complaint narrative:
I had applied for Solar Panels with XXXX XXXX XXXX which was approved on XX/XX/XXXX. However, there is a second hard inquiry from XXXX XXXX XXXX on XX/XX/XXXX which results in an increase of the hard inquiries on my account. 

Same for XXXX there was one inquiry on XX/XX/XXXX and another one on XX/XX/XXXX. I only authorized 1 inquiry same for Credco. Inquiry date XX/XX/XXXX and another one on XX/XX/XXXX all the above are duplicated and have a negative impact on my inquiry count.

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 2024-01-04 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I just obtained and reviewed the copy of my credit reports. It seems that the Bureaus are reporting Inaccurate information resulting to lower my credit scores. 

Please see the attached PDF file on this complaint. These are the letters I submitted to the involved Bureaus and my personal documents attached to it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-04 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Confusing or missing disclosures — 
Company: TransferWise Ltd

Complaint narrative:
XXXX XXXX XXXX XXXX ' wise account experienced an unforeseen freeze, rendering it incapable of making or receiving payments for two weeks. Following the resolution of this issue, my personal Wise account, which was directly associated with the management of XXXX finances, was abruptly shut down without a clear explanation or justification. 

Account Closure Date : XX/XX/XXXX Amount in Wise Account : {$4200.00} USD Role and Responsibilities : As the XXXX XXXX XXXX XXXX XXXX XXXX I had authorized access to manage payments on the company 's Wise account. 
Initial Contact with Wise : XX/XX/XXXX - Upon discovering the account closure, I immediately contacted Wise for clarification on the reason behind the closure. 
Communication Attempts : Despite multiple attempts via phone and email, Wise failed to provide a satisfactory explanation for the account closure. 
Refund Denial Email : XX/XX/XXXX - I received an email from Wise indicating the refusal to refund the funds held in my account without clear justification. 
Financial Impact : The closure has caused financial distress, affecting my ability to receive my salary and fulfill personal and professional financial obligations. 
Professional Consequences : The closure has disrupted my professional responsibilities at XXXX XXXX, leading to delayed payments to employees, freelancers, and partners. 
Emotional Stress : The lack of transparency and refusal to refund have caused significant emotional stress and uncertainty. 

My disagreement with Wise 's handling of this matter stems from the lack of transparency, the refusal to provide a clear explanation, and the unjust denial of a refund. 

I request your assistance in sending these comments to Wise and exploring legal avenues to address the financial and emotional distress caused by their actions. I am prepared to provide any additional information or documentation required to support my case. 

Thank you for your support in pursuing a fair resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Weber & Olcese, PLC
State: MI

Complaint narrative:
I received a summons in the mail on XX/XX/XXXX saying that I had outstanding amount with a company I have never heard of in regards to an old account I had. The person delivering the summons specifically said that I dont have to do anything in regards to the summons and all I had to do was call the number listed. After attempting to reach out to the company via multiple phone numbers listed and getting no response, I did my research. I am now realizing that I have to respond to the summons mentioned above. Thankfully I am still within the 21 day timeframe to respond to the summons. However, this experience was horrible I had received zero communications and received no proof of debt from this company. I was also told not to respond to the summons that was sent, which I have learnt, leads to an immediately decision made against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XX/XX/2023 Experian Deleted my XXXX card account from my file because I disputed the balance.

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 2024-01-04 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
Dear Synchrony Bank Dispute Resolution Department, Attn : Three Major Credit Bureaus I am writing in response to your recent correspondence concerning the status of my Lowe 's account ending in XXXX. I am compelled to address the erroneous claim of a delinquent or derogatory status on my real estate secured loan, as stated in your letter. This claim is inaccurate and has unjustly impacted my credit score and financial standing. 

For over 10 years, my Lowe 's account has been diligently managed with automatic scheduled payments. The assertion in your correspondence regarding delinquency on my real estate loan is not only incorrect but also contradicts my credit report and financial records. 

Furthermore, I would like to highlight that I currently hold two real estate loans, both of which are up-to-date and without any issues. Enclosed, please find the following documents substantiating my claim : A copy of my most recent yearly credit report from XXXX. This report clearly shows that there are no delinquencies or derogatory marks on any real estate-secured loans under my name. 

Bank statements and canceled checks from XXXX XXXX XXXX, demonstrating timely payments for the periods in question for both real estate loans. 

Documentation for both real estate loans, confirming their current status and my consistent adherence to the payment schedules. 

Given this evidence, I respectfully request an immediate review and correction of the records pertaining to my Lowe 's account. 

Specifically, I ask that you : Conduct a thorough investigation into the reported delinquent status and rectify any inaccuracies in your records. 

Update the information reported to the credit bureaus to reflect the accurate status of my financial obligations. 

Reopen my Lowe 's account, considering the closure appears to have been based on incorrect information. 

The erroneous reporting has caused significant inconvenience and distress, and I trust that Synchrony Bank will address this matter with the urgency and seriousness it deserves. I value a fair and accurate representation of my credit history and believe that rectifying this error will benefit both parties. 

I appreciate your prompt attention to this issue and await a positive resolution. Should you require further information or clarification, please do not hesitate to contact me. 

I also humbly request the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience. 

Thank you for your time and understanding. 

Sincerely, 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 2024-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nc XXXX To whom it may concern : I was just looking over my credit report and found some addresses thatappear to be incorrect. I enclosed documentation providing proof of mycurrent address, as instructed to do on your website. To make your process ofdeletion easier, here is a list of the incorrect addresses that I am currentlyseeing listed ( which I would like removed please ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There should only be one address listed on my report, which is XXXX XXXX XXXX XXXX XXXX Nc, XXXXXXXX XXXX XXXXXXXX I also noticed that my name appears to be misspelled on my credit report. Myname only has one correct spelling, and there should be no variations listedbecause my name has no variations. My photo ID is enclosed to show thecorrect spelling. Once again, in order to make the process of deletion easier, here are the incorrect spellings I see listed : ( Incorrect Names ) XXXXXXXX XXXX XXXXXXXX XXXX XXXX 

Please remove inaccurate employers as well as listed belowXXXX. XXXX XXXX XXXX. 


Once you have deleted the inaccurate names and addresses from my creditreport, please send me a copy of my updated report. 
Thank you, 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 2024-01-04 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: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
I've started an investigation with Chrysler capital, did everything they ask even hired a lawyer to help me in this process. I don't won't to sue due to that cost more but I will if necessary this is my last attempt to make this right. 

I am XXXX XXXX I never had any connection with Chrysler capital I am victim of identity theft. 

I started the fraud investigation with you all but you guys stated it was no fraud found when I submitted signatures and it was notarized. 

My lawyer spoke to your team over XXXX times and you guys just keep pushing it backs Please help me this isn't my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
On XX/XX/XXXX someone got into my XXXX account with Citizens Bank and hacked my cell phone. They opened a XXXX XXXX. I had that card cancelled right away with XXXX XXXX. I called Citizens and filed a fraud complaint. I was getting calls from Citizens and they had me on hold for sometime. This was a scam to transfer the money. {$2300.00}. My phone is still hacked and XXXX is working on that. I filed a police report and with Identity Theft.gov. Citizens has informed me that they will NOT refund my money. The banks money is insured, why isnt my money insured.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Capital One can not speak to anyone and am told to email XXXX. Told it can take 7-10 days without access to her funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
My federal income tax refund in the amount of {$1700.00}, direct deposited on XX/XX/, and my state income tax refund in the amount of {$390.00}, direct deposited on XX/XX/, were deposited into the wrong account at my bank ( Huntington Bank ). XXXX of my account numbers, XXXX, got reversed and my refunds were directed deposited into someone else 's account who had almost the same account number with the exception of the XXXX numbers XXXX. The person into whose bank account my refunds were deposited, withdrew all the funds. The bank says there is nothing they can do since there is no longer any money in the account into which my funds were deposited. Huntington bank verified that the direct deposits were put into the wrong account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FIRST PORTFOLIO SERVICING INC
State: CA

Complaint narrative:
hey XXXX XXXX it appears that this item on my credit report has turned into a charge off but I noticed you never sent me a XXXX would you be so kind to send me a XXXX for a cancellation of debt of this item due to my financial hardship I would greatly appreciate it I've gone through a serious financial hardship and this would help me with my credit in the future thank you so much

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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