vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-27 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: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/2020 I was hacked, a victim of bank fraud. A woman took over my computer and transferred money ( 4 ) XXXX XXXX XXXX and a wireless transfer from my checking account ending in XXXX from my Citibank Checking account. The amount of money withdrawn was {$11000.00}. 

I immediately recognized the transaction ( COMPLETED WITHOUT MY AUTHORIZATION ) meaning I RECEIVED NO SECURITY ALERTS. The thief was also trying to withdraw funds from my XXXX account at the same time in which I received a TEXT MESSAGE from XXXX asking if I authorized this transaction. I immediately replied " NO '' and the transaction was CANCELLED. I have documentation to prove this. 
I immediately called Citibank Fraud Detection Unit, was transferred around to several different people, spent over 2 hours on the phone with them trying to recover my money. The Fraud Unit told me the 4 XXXX funds were ( a total of {$1900.00}, one for {$490.00}, {$490.00}, {$480.00}, and {$450.00} ) the wireless transfer was {$9900.00} + {$25.00} service charge ) were gone and couldnt trace them to anywhere. A few weeks later Citibank did return the wireless transfer but I am still fighting with them to get the {$1900.00} returned ( The 4 XXXX transfers ). Mind you, the wireless and XXXX transfers were all done at the same time on XXXX/XXXX/2020. They are telling me in 2 letters I received that the XXXX transfers were AUTHORIZED PAYMENTS and will not return the money. I don't understand HOW THEY DON'T SEE THIS? I NEED HELP WITH GETTING MY MONEY RETURNED. I HAVE THE XXXX POLICE WORKING ON THIS CASE # XXXX AND THERE IS CURRENTLY A COURT ORDER IN WITH CITIBANK LEGAL DEPT DATED XX/XX/2020  BY THE XXXX POLICE BUT NOTHING IS MOVING FORWARD. I NEED HELP WITH THIS!! PLEASE. NO BANK SHOULD BE ABLE TO GET AWAY WITH 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
Consumer complaint received 2020-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have submitted numerous disputes with all three major credit reporting agency about XXXX XXXX XXXX. Back in XX/XX/2019, I lost my card and reported it. So instead of XXXX XXXX XXXX  just giving me a new card and combining the data on the credit reports. They choose to enter the information as if this new card was a new account and that account had late payments when in fact there were never late payments on that card or for the dates stated. In addition, the account was close by me shortly after.

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 2020-11-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: WELLS FARGO & COMPANY

Complaint narrative:
I claimed Fraud on My Credit Card with Wells Fargo on purchases in XX/XX/2020. 

Wells Fargo Issued a new card but never arrived to my address. 

On that new card there was a XXXX  charge for XXXX and XX/XX/2020. 

I claimed Fraud on those XXXX  charges and told wells fargo to shut down my account in XX/XX/2020. 

I have been unable to close the card and have contacted wells fargo In 3-4 times and have been promised it would be closed and the fraud balance would be taken care of. I have spoke with Disputes, Fraud, Collections and Card Services and they have all told me that they would take card of it but it still hasnt happened. 



My Credit Card is XXXX and I need support with closing my Wells Fargo Credit Card for good.

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 2020-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
ALL 3 " CRA '' CONTINUE TO VIOLATE " FCRA '' WITH REPORTING MEDICAL PRIVACY ACT INFORMATION IN WHICH VIOLATED " HIPAA '', NOT MY ACCOUNT, ID FRAUD

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
ALL 3 " CRA '' CONTINUE TO VIOLATE " FCRA '' WITH REPORTING MEDICAL PRIVACY ACT INFORMATION IN WHICH VIOLATED " HIPAA '', NOT MY ACCOUNT, ID FRAUD

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 2020-11-27 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: CITIBANK, N.A.
State: AZ

Complaint narrative:
I filed 3 disputes with Citibank for charges made by the same merchant, XXXX XXXX XXXX XXXX XXXX, headquartered in XXXX, Arizona. All 3 disputes were denied and rejected by Citibank. I believe these denials were unfair based on the facts of the situation, I have tried to communicate and work with both Citibank and XXXX XXXX to resolve this matter both to no avail. In matter of fact, I have been met with outright hostility and scorn. 
On XX/XX/2020, my car would not start. I got it over to XXXX XXXX, XXXX # XXXX in XXXX, AZ. Based on their testing and recommendation, they said they could fix my problem for {$650.00}. I agreed and was charged on my Citibank credit card. 
The next day, XX/XX/2020 again my car would not start. I got it back over to XXXX XXXX. They said oops to get my car fixed and starting properly, it would cost me another {$590.00}. I had a car that would not start. I could not drive it somewhere else, At that point in time, I did not know where to have it towed to anyway. I had no choice in my mind but to agree. 
I was charged twice to fix the exact same problem. My consent to the first charge was based solely on their testing and recommendation and direct communication to me that it would fix the starting problem with my car. The second charge emanated from the " hostage '' situation I was in. 
Obviously Citibank has not been helpful to me in resolving this matter. 
Thank you for your help and consideration in this matter.

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 2020-11-27 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: MD

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me.

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 2020-11-27 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: MD

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me.

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 2020-11-27 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/2020, JPMCB CARD add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, JPMCB CARD add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-27 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: AMERICAN ADVISORS GROUP
State: TX

Complaint narrative:
AAG dodges a simple question which does not lend credibility to a company who claims to be professional. The question is very simple, Where is it stated in in FCRA Section 604, that allows for verbal permission to access credit? In AAGs attached reply to my complaint, they claim they had appropriate permissible purpose under FCRA Section 604, per recorded verbal approval to complete the credit inquiry. AAG also claims their process has been thoroughly vetted and meets all applicable Federal and State requirements. AAG further claims my desired outcome of the application was the reason I am filing the complaint. This is not true. But AAG dodges the question and refuses to answer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Bait and Switch -- Chase Bank took advantage of COVID-19 I had a dispute charged on my Chase credit card with a merchant due to its price gouging for essential items to combat COVID-19. 

Chase bank decided to against me in the dispute, however, it agreed to suspend the payment for three months offered by an employee of Chase executive office. However, at the end of the first month of payment suspension, Chase decided to collet payment. Chase also charge hefty interest rate to the suspended payment. I questioned Chase 's ethics, it didn't respond. I didn't make payment since it was within three months payment suspension. During the second month of payment suspension, Chase bank continued to charge hefty interest on my credit card account, then added late payment fee.

I wrote to its CEO, XXXX XXXX, then, Chase closed my other credit cards with Chase. It is retaliation. Before COVID-19, I never missed any payment for all chase credit cards. As a matter of fact, all my credit cards were on auto payment.

I consider Chase is unethical ; take advantage of COVID-19, promote itself as a corporate citizen which offers COVID-19 relief whereas, it charges hefty interest rate and fees within payment suspension period.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I closed my Citi XXXX XXXX credit card account in XXXX and disposed of the card. For an investigation unrelated to Citi in XXXX XXXX, I accessed my account to request historical statements. When I was notified in XXXX XXXX that the historical statements were available, I was unable to login with my usual credentials. I tried to reset my password but because I do not have the card number -- I threw away the closed card -- Citi refuses to work with me to get my password reset so I can access my online account. I have been more than willing to provide SSN and other information to confirm my identity but Citi has refused. I don't even care what the account number is ; I have my username and just want to reset my password and Citi has refused to help me whatsoever.

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 2020-11-27 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Harley Davidson Financial Services Inc
State: FL

Complaint narrative:
On XXXX XX/XX/2016, i had a loan and my balance Amount was {$11000.00} thru Harley Davidson Co. I voluntary surrender my vehicle due to financial hardship as XXXX veteran. The company sent my account to 3 credit bureaus as bad debt, charge off the comments was Profit and loss write off. It's unfair for me, of not getting approved to get an apartment because the credit bureaus refuse to delete my account because is verified and accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Hello, I have some issues with my bank that I believe may be against the law.After I was scammed an account I opened was compromised. I reported the incident to the banks fraud department and to the XXXX County Sherriff 's department. I had information to lead them to the source of the fraud. No one did anything. This was 2 years ago. 

Last week the bank claimed a deposit and my account was left at XXXX. I tried to submit money to cover any withdrawals. I was not able to do this. Now there is a continuation of compounded overdraft charges that I have no way to submit money to cover, and the bank will not allow me to close the account. 
. 
What is the best way for me to report and proceed? 

Thank you. 
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 2020-11-27 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: WI

Complaint narrative:
On XX/XX/2020 I filed a dispute for unknown and inaccurate account that I found on my credit report. Its over 30 Days now and I haven't receive any response. I was a victim of XXXX  Data Breach and I demand to Remove immediately those unknown and inaccurate account on my credit report or I will file a litigation.

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 2020-11-27 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: WI

Complaint narrative:
On XX/XX/2020 I filed a dispute for unknown and inaccurate account that I found on my credit report. Its over 30 Days now and I haven't receive any response. I was a victim of XXXX  Data Breach and I demand to Remove immediately those unknown and inaccurate account on my credit report or I will file a litigation.

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 2020-11-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: LA

Complaint narrative:
In XXXX XXXX, I was a victim of identity theft, where my information was used to open or try to open multiple energy accounts with various companies across the State of Texas. XXXX XXXX allowed someone to open 2 accounts in my name with one account accruing {$700.00} in charges and the other accruing {$690.00}. When the accounts were not paid they were sent to Transworld Systems Inc, which reported them to the various credit agencies. On XX/XX/XXXX, was when I was informed of the collections through XXXX. I contacted Transworld Systems Inc and informed them that this was identity theft and that I had previously filed a police report and FTC report regarding my information being used to open energy accounts in Texas. Transworld Systems Inc informed me to submit the reports, along with any other information to them regarding identity theft. I submitted all documents to Transworld Systems Inc on XX/XX/XXXX, along with copies being certified mailed to them. I contacted Transworld Systems Inc the following week to inquire about the accounts and solutions and their response was that their hands are tied until XXXX XXXX can look into the matter. I explained to them that they keep reporting these collections weekly to the credit agencies causing my credit score to keep going down. At the end of XXXX, my credit score was XXXX and now my credit score is XXXX and continues to fall due to weekly reporting of this collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27 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: TX

Complaint narrative:
Good Day, My name is XXXX XXXX XXXX and I am writing to complain on Equifax for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. I have filed a police report and identity theft report ( XXXX ) and still refuse to help. 

The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have a collection with XXXX  XXXX ( Account number XXXX ) in the amount of {$930.00} for XXXX XXXX XXXX. I provided the proper notice at the end of my lease and had the apartment professionally cleaned. 

Since XX/XX/XXXX, I have been trying to get XXXX  to provide a breakdown of what XXXX claims I owe. They have not provided it. The FCRA provides that a consumer may contact the data provider about a dispute ... that data provider must adhere to the same 30 day time frame for responding or delete the item that the bureaus must adhere to. ( Section 623 FCRA ).

I demand that this item be removed from my file due to a clear violation of both Innovative AND this credit bureau with regard to following the FCRA guidelines.

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 2020-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Requested to have credit reports sent to me, but TransUnion sent a reply via mail stating they can not send me a report since I have had one within the last 12 months. As it is stated that due to COVID-19 I should be offered free weekly online reports until XX/XX/2021. TransUnion declined and told me I would have to pay {$11.00} for it.

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 2020-11-27 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/2020, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with non-monetary relief