vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I opened a Citibank Priority account on XX/XX/XXXX. In order to receive the offered bonus as well as avoid account fees we transferred {$50000.00} into the saving account. On XX/XX/XXXX I realized that our checking account is marked as closed. I had a phone conversation with an agent, who was unaware of the reason of the closure, and told me that she submitted the complaint and someone would contact me within 48 hours. Four days later I have not received any communication from Citi and upon checking my account I found out that ALL of my money - {$50000.00} - were withdrawn by " Other ''. The phone agent XXXX told me that it was Citibank itself that withdrew my funds, marked my Saving account for closure and would mail me the check. She said she did not see why they closed the account. She could not give me any other information. She also refused to give me any written confirmation of what she said. I did not receive any notification of this withdrawal. I had then talked to an agent on Citi website live chat : the chat agent somewhat contradicted the information, stating that she saw both accounts as fully active, and the check WAS mailed to me on XX/XX/XXXX. She could not provide me neither with tracking information, or any other information regarding how this withdrawal happened. She also refused to say what would happen if I do not receive the check, just like I have never received Citi Debit card, which they, as it turned out, never sent. It is outrageous that they simply withdrew this huge amount of money I trusted to this bank without any notice, and refuse to give me any guarantee of when I will get my funds back. I have no reason to believe that the check was mailed, and I have to time to wait because I need my money to be available to pay my bills.

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 2020-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX Last reported XX/XX/2020 {$180.00} XXXX XXXX XXXX Last reported XX/XX/2020 {$640.00} Reported balance This is NOT my account. This account belongs solely to XXXX XXXX, XXXX. 
I have addressed this issue with all 3 credit bureaus and would like the information removed.

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 2020-08-15 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: NC

Complaint narrative:
I have 2 accounts XXXX, reporting as open with a balance ; however the loans are both paid full. My Experian report needs to be updated.

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 2020-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX Last reported XX/XX/2020 {$180.00} XXXX XXXX XXXX Last reported XX/XX/2020 {$640.00} Reported balance This is NOT my account. This account belongs solely to XXXX XXXX, XXXX. 
I have addressed this issue with all 3 credit bureaus and would like the information removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX Last reported XX/XX/2020 {$180.00} XXXX XXXX XXXX Last reported XX/XX/2020 {$640.00} Reported balance This is NOT my account. This account belongs solely to XXXX XXXX, XXXX. 
I have addressed this issue with all 3 credit bureaus and would like the information removed.

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 2020-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Please Remove these accounts from my credit and remove these addresses and inquiries from my credit too. These are not mine.

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 2020-08-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I agreed some time ago to go paperless with Chase who holds my home mortgage and with whom I also have a credit card. I handle everything online and I have automatic payments for both coming out of my checking account. Access to my online accounts is the only way that I can obtain copies of my statement, check the mortgage balance, insure my payment posted and see what transactions are on my credit card and the amount due, or dispute an amount. 
On XX/XX/2020, I attempted to log into Chase and after entering my user ID and password, I received a popup that blocked me from entering the website stating I had to read and sign two statements and I must agree to both statement or access to my accounts is denied. The two agreements are an Electronic Disclosure Consent and Digital Service Agreement. This constitutes extorsion. Read and sign you agree ( no matter what the statement says or whether I agree ) or you will never have access to your accounts again. Where does that leave me? 
If an agreement is mandatory, why I am I being told to sign that I agree because not agreeing is not an option as the result is the same, I will be denied access. I need access to my accounts without having to read and sign anything. Chase should have emailed the agreements to me and advised me that I would be required to sign them ( state a timeframe ) and if I did not do so or did not agree with the statements, I would have to log in before the end of that timeframe and change my options to return to receiving paper statements and no longer have online access. Instead, they know customers who do not get paper statements must access their accounts online so they block the customer and state, sign and agree to this or else you will never be able to access your accounts again ever. 
I can't even access my accounts to change to paper statements. They are preventing me from reviewing my credit card statement to know if the charges are valid before they withdraw the money from my account. I can't dispute what I don't know. This is the definition of extorsion and I should have some credit protection from a heavy-handed company blocking all access to my accounts after soliciting me to go paperless and not advising me that doing so Chase has the right to shut down all access to my accounts anytime they wish for any reason. 
Chase should be fined for their extorsion tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15 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: CA

Complaint narrative:
Please Remove these accounts from my credit and remove these addresses and inquiries from my credit too. These are not mine.

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 2020-08-15 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: CA

Complaint narrative:
Please Remove these accounts from my credit and remove these addresses and inquiries from my credit too. These are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16 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:
To whom it may concern, I have made multiple attempts to reach out to Equifax to dispute several accounts that are inaccurate and unverifiable. I've attached the dispute letter which has received no response for over 60 days. Due to this delay and neglect, Equifax has failed to follow federal laws as outlined by the FCRA. These negative accounts have caused me much personal grief and I have attached my demand to comply letter which has also been ignored. I have proof of my letters being delivered on time through USPS certified mail. 
There is absolutely no valid excuse as to why Equifax has refused to respond. I would appreciate your help in resolving this issue and making Equifax comply with the federal laws made to protect consumers such as myself. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16 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: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

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 2020-08-16 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: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

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 2020-08-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I would like to begin by stating that I absolutely love my AMEX Gold Delta Skymiles account. However, I feel that the interest charge on my account was a usury violation. 

My XX/XX/2020 AMEX bill, due XX/XX/2020 was {$15000.00}. I paid {$10000.00} towards that balance, knowing that I would incur an interest charge on the balance. When the interest posted, the amount seemed high for the balance which was left unpaid. 

My XX/XX/2020 AMEX bill, due XX/XX/2020 was {$10000.00} of which {$5200.00} was the remaining balance from the previous statement. On XX/XX/2020 I paid the entire statement balance. Yet on XX/XX/2020 I was charged {$130.00} additional interest. 

On XX/XX/2020 I called and spoke to XXXX ( ID # XXXX ) from the XXXX XXXX call center. He informed me that I was charged interest based on the TOTAL amount of the bill, regardless of how much I had paid towards the balance. He stated that regardless of the fact that I had paid $ XXXX towards the XXXX billing, on XX/XX/2020 I was charged interest of {$170.00} based on the TOTAL amount of the statement balance ( {$15000.00} ), not the ACTUAL balance remaining unpaid ( {$5200.00} ). The interest was for the period of XX/XX/2020 to XX/XX/2020. He further stated that even though I had paid off the entire balance of the XXXX bill by XX/XX/2020, I was still charged interest of {$130.00} on XX/XX/2020 based the entire statement balance ( {$10000.00} ) instead of the outstanding balance ( {$0.00} ).  The interest charged was for the period of XX/XX/2020 to XX/XX/2020. 

I told him that I can understand and agree that Amex is entitled to charge me interest on the UNPAID balance of {$5200.00} from the XXXX statement, but that I believed that charging me interest on amounts which were already paid is a usury violation and that I would need to report it to the FTC. 

I asked XXXX to please put in a dispute for the interest so that someone could review it to verify if what he had told me was correct. He refused and stated that they are not allowed to put in a dispute for interest charges. 

As I stated above, I am fully aware that I owed interest to AMEX for the {$5200.00} which was unpaid. However, I feel that overcharging, just because they believe no one will catch on or report it, constitutes unfair usury practices. 

By my calculations, based on AMEX 's interest rate of 22.74 % APR, the interest owed on the outstanding unpaid balance of {$5200.00} for the 48 days is only {$150.00} TOTAL. I calculated it as follows : 22.74 % APR translates to 0.062301369863 % per day. 
Time frame of XX/XX/2020 to XX/XX/2020 is 48 days. 
Outstanding balance remaining unpaid as of XX/XX/2020 {$5200.00}. 

{$5200.00} X 0.062301369863 % X 48 days = {$150.00} In total I was charged {$310.00} and am owed a refund of {$150.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16 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: OR

Complaint narrative:
The Experian report shows lates under XXXX XXXX that were removed almost a year ago. See screen shot XX/XX/2020 and XX/XX/2020 Experian re added lates that were removed by XXXX XXXX almost a year ago. You would thing after a late was removed it would not be added again. Doesnt Experian keep records so old information isnt added again. Im about to get a lawyer because this is ridiculous and XXXX and Experian are still correct with zero lates.

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 2020-08-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
On XX/XX/2020 I was made aware of fraud and a lawsuit from Santander Consumer USA in regards to the dealership that I bought my car from. In reading the court documents I was made aware that there are 2 unknown files that was submitted to the financial department at Santander and I am sure they are aware or have some dealings with this matter. I am asking for BOTH files with only the information I submitted and NOT tampered information that was falsely given to them. If this matter is not cleared within 30 business days, I will move forward with civil action also. Furthermore, Santander participated and defrauded me as well as millions of others by exposing me to unnecessarily high levels of risk through high loan-to-value ratios, insane interest rates, significant backed fees, and high payment-to-income ratios. Santander also participated in fraudulent activity with the dealership by turning a blind eye to dealer abuse and failing to meaningfully monitor dealer behavior to minimize the risk of receiving falsified information, including the amounts specified for consumers incomes and expenses. Nonetheless, due to fraudulent activity with the dealership and mishandling and deceptive servicing practices from BOTH parties my vehicle will be repossessed. I am asking Santander to release me from all financial and legal obligation for this deceptive servicing practices and DELETE all information from all consumer reporting agencies and three credit bureaus that has been sold and illegally reported to Third Parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
Capital One has failed to provide requested information showing a close out check was cashed by myself, funds received. Capital One rep by the name of XXXX replies by either stating check will not be reissued, despite the fact funds are still owed to me, conveniently twisting it around or marks the complaint as duplicate to avoid providing requested information.. The check in question was cashed by a third party without my consent or permission while I was on vacation, funds stolen. I've provided proof of whereabouts time check was cashed, check copes showing forged signature, statement from hotel where I stayed as well as statement from driver whom picked me up on XX/XX/2018 ... Capital One reps choose not to review this information, knowing it proves I did not cash check or receive funds. I request any information Capital One has with regard to cashing of check in question, any proof of receipt of funds. I suspect Capital One rep will do the same, mark complaint as duplicate or reply by stating check will not be reissued. If marked as duplicate, complaint will be resubmitted until information is provided as requested. The check amount is {$4200.00}, intercepted and cashed on or around XX/XX/2018, possibly XX/XX/2018. I was in XXXX XXXX from XX/XX/2018 to XX/XX/2018, did not receive check, sign or cash it. No refunds received from it

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The vehicle was returned at the end of the lease. NOT repossessed. I have asked both the car company and the credit bureau to correct this error on my credit report. This should not have a negative effect on my credit as it was not paid late and was returned as per contract. 


XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$0.00} Reported balance Highest balance {$17000.00} Nice! You've paid off 100 % of this loan OVERVIEW Highest balance {$17000.00} Monthly payment {$0.00} OpenedXX/XX/XXXX ( 3 yrs, 11 mos ) Term24 months ( 2 years ) PAYMENT HISTORY Last paymentXX/XX/XXXX Payment status -- Worst payment statusNo Info ACCOUNT DETAILS Account statusClosed TypeAuto lease ResponsibilityIndividual RemarksPayment after Repossession Paid repossession Times 30/60/90 days late0/0/0 ClosedXX/XX/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 2020-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
My name is XXXX XXXX XXXX, I have had some issues with unknown addresses on my credit file. My SS is XXXX, my DOB is XX/XX/XXXX. I have some misspelling of my name on file that are not accurate ( please remove XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ). The following addresses are not mine ,XXXX XXXX XXXX, XXXX OH, XXXX XXXX XXXX, XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX OH, XXXX. 
I have unknown inquires from the following companies : XXXX XXXX, XXXX/XXXX, XXXX/XXXX, 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 2020-08-16 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: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
XX/XX/XXXX purchased tickets to XXXX on XXXX XXXX. mid XXXX i try to reschedule or cancel with airlines told the flights will go. Dr suggest I do not travel to XXXX due to my age and XXXX. I contact airlines they refuse to help i am not able to understand options due to languaage barriers with some agents. I call chase they suggest dipute. I dispute and recieve a check in full late may..I am paperless, and due not check my statements until billing. I did not recieve notice on a reinstatement of these charges that WENT ON ACCOUNT XX/XX/XXXX. NOR DID I RECIEVE A STATEMENT FOR XXXX UNTIL XX/XX/XXXX, WHEN I SAW CHARGES CHASE SAID TOO LATE TO RE OPEN DISPUTE.??? I contacted XXXX  who cancelled my flight XX/XX/XXXX and refused to reissue a ticket and or my money. I have made 8 attempts via emails and calls to XXXX and chase all have refused me.

Company response to consumer: Closed with explanation