vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
XX/XX/XXXX around XXXX i was told by a custmer service rep from citi Bank that i would be able to recieve the remaining balance in my accounts 1 account totaling XXXX and another account with {$40.00}, when i arrived at the branch i was told that the fraud department has decided my money was fraudulant, i was also asked by employee XXXX XXXX who was XXXX baby i told her that was my display name on my XXXX  account and that i transfer money between my accounts. 

My problem is that the money in my account isnt fraudulant, i had recieved to direct deposit that caused my account to be flagged, but prior to that i had money in the account, my account was blocked on put on hold the begining of XX/XX/XXXX, during this time i had sent transferred money from my XXXX  to my bank which i can prove that my money in the XXXX came from me my XXXX  tag is XXXX XXXX  which is my govenment name, i also recieved a state deposit XX/XX/XXXX {$2500.00} that i had sitting in acct ending XXXX i recieved my direct deposit from the federal govt XX/XX/XXXX {$1100.00} and XX/XX/XXXX {$910.00}, between those dates i also sent money from my cashapp numerous time labeled XXXX XXXX XXXX*cash out as a XXXX  of XXXX  XXXX i keep my money in more than XXXX place i even have money hidden in a coffee pot in my kitchen incase i cant reach my bank cards, all this money in my account is being held {$8200.00} is alot of money to be holding with doing deep investigation, if the bank felt my activity was fraud related then all the money from the transfer should have been returned to its sender which in my case the money would have returned back to my XXXX. 

i reached out to cashapp they said " if money was sent to a closed aqccount the bank will hold the money, reach out to the bank '' which i have. 
i have attached a copy of my XXXX  info showing my XXXX   display name is XXXX baby but the account belongs to me and the address on file with my XXXX is my previous address with the bank my address changed because i moved from a dv shelter to a new home. i also attached my citibank statement to show my activity of my transfer and on my account. 

the bank only allowed my to recieve XXXX since my account has been closed they owe me money, im running out of food and rent is due im working part time i need help someone to listen to me im not a bad person i made one mitake by allowing someone to deposit money in my account which toataled XXXX those deposit have been returned but my money is still being held, if its fraudlant return it to its sender the state, the federal govt, XXXX  and they will rightful give me my money back.

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 2020-09-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Ive contact the credit card company back in XX/XX/2020. Ive ask them to close my account several time because it was an old account. I stated that needed to clean my account because i was purchasing a home and needed fix my credit. They stated that they will send me a letter with a response about my account and could not help me at that time. Months later when i look at my credit score the only account i see that is delinquent and still no closed it this one which has rendered my credit and my plans of home buying. Ive never owed them anything and kept adding charges to this account. Which has really butchered my credit for no reason.

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 2020-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
This is not a duplicate complaint. The following amount was not included in the previous complaint I used XXXX to book a vacation. The first payment was taken in the amount of XXXX on XX/XX/XXXX. On XX/XX/XXXX due to Coronavirus ( COVID-19 ) threat XXXX cancelled my trip, and advised that i will need to speak to my debit card 's issuing bank for your options as a cardholder. I did as advised to no positive conclusion. My card issuing bank just keeps telling me to resolve the matter directly with the merchant. The following statement directly from the merchant Please note : BookIt.com paused operations on XX/XX/XXXX as this crisis was unfolding. As we are currently unable to process refunds to you, please contact your bank for options available to you as a cardholder. I've submitted the cancellation letter provided to me by the merchant, I've also submitted the flight and hotel information, to help with a positive outcome. Again they denied my claim. Several people that had used the same merchant disputed successfully with their credit card bank and recieved their money back. This situation is going on since the end of XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Portfolio Recovery Associates, LLC
State: KY

Complaint narrative:
Recently I contacted portfolio recovery to pay an old account off to have removed off my credit report. When paying it they told me it would be removed off my credit report. Still showing on my report and it been over 10 business days since Ive paid this off. Remove please but while I was talking to her she kept referring to another account that I told her wasnt mine and she kept trying to get me to agree to paying an account that wasnt/isnt mine. Now there is a new account being reported on my credit report for an amount of $ 1000+. Not my account and have no documentation of this account. I need this removed immediately along with the other account that I paid {$380.00}. Remove!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
XX/XX/2020 XXXX XXXX, AZ Branch of Bank of America ( There is only one ). Wanted to pay off an auto loan. Brought in XXXX cash. Wanted to combine the cash with the payoff amount from my checking in the form of a cashiers check. Teller took cash behind wall and had a machine count the money. I could not see Teller 's hands or machine tally. She stated that the amount was {$80.00} short of $ XXXX. I counted that stack twice at home, and live alone, so there was no way I could be {$80.00} short. Either machine was off, or she slipped a few twenties to the side. She never offered to count this by hand with me. I came back to the bank an hour later and reported this problem to the Bank Manager after  repeatedly trying to call them an no one picked up the phone. I was able to explain the issue to the Female Bank manager, and she said she would put in a ticket to review the video log and get back to me. I also told her that it was unacceptable that I couldn't see the teller hands handling my money. It's hypocrisy if they have cameras watching them, but don't allow a customer to watch their own money being handled/mishandled. They should have offered to count a size-able amount like this in a room separate from the general public. I don't like people standing behind me I don't know and I can't see what they are up to. For all I know they could grab my stack and run out the bank and who could stop them. They all have masks on. It's not insured it if 's not deposited. Seems like a big security flaw to me. It's been weeks and no one called me back about this issue. No communication of any kind. I filed a report with the XXXX, and they seemed to be able to get in  contact with the North Carolina Bank of America Branch that handles this, but no resolution of any kind, no contact with me of any kind, just a bunch of empty promises about a website tracking the complain that wasn't even active yet. Seems like the Fox Managing the Hen House Scenario, just hoping I will give up trying to file a complaint on being scammed by the teller or a faulty machine. So now I am contacting you to see if I can get some traction on a resolution. I still thing there was some wrongdoing involved at the bank, but I am more angered at how the bank has handled this after I brought it to their attention. Much Appreciated.

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 2020-09-16 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
company reported a 30 day late on my account in XX/XX/XXXX during the pandemic in error, they did apologize for the mistake and fixed my 3 credit bureaus, but today XX/XX/XXXX i logged into my account and they changed my account credit limit from {$5900.00} to {$750.00}! Even though they recognized they messed up and cleared it, they reduced my credit limit as if I was a delinquent client.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY 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 explanation
Consumer complaint received 2020-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
I deposited my payroll check in XXXX atm on XX/XX/XXXX for {$570.00} and it cleared and was deposited on XXXX XXXXXXXX.i spent the {$570.00}. Then XXXX I deposited my payroll check for XXXX and it cleared and was deposited on XXXX. Then XXXX my payroll was direct deposited into my account and was cleared.i paid bills and was lefted with {$330.00} in my account on XXXX, on XXXX my account was overdrawn by {$810.00} when I called to see what was going on, they told me they placed a 10 day hold on both of the ATM deposits.after calling 4 different departments and locations one of them let it slip that no one picked the checks up from the ATM till XXXX so my first deposit was lefted in the ATM for 14 days and now I have to wait another 10 days to access the money that is already spent because it was cleared 24 days before I will be able to access it. On top of that I have to put a stop to my direct deposit coming on XXXX for {$520.00} because they will put that towards the overdrawn amount of {$810.00} still leaving me negative {$290.00}. I wont be able to access my money till XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
applied for small business credit card was denied, no phone number to call and find out reason. I have personal credit score of XXXX no late payments, my business credit score is XXXX and financial risk stability is XXXX which is perfect. I got denied with explanation which is false delinquent accounts. I have no delinquent accounts my application number is 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 2020-09-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I have reached out by letter and phone to the credit reporting agencies about updating my personal information. and so far they have not complied, there are still addresses and names that shouldn't be on there, and I fear my identity has been compromised because of 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 2020-09-16 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: MS

Complaint narrative:
I have reached out by letter and phone to the credit reporting agencies about updating my personal information. and so far they have not complied, there are still addresses and names that shouldn't be on there, and I fear my identity has been compromised because of 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 2020-09-16 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
I disputed a charge on line but made a mistake on amount ) $ value. ) So I withdrew the dispute and could no longer dispute on line. I tried to dispute through their chat service and after 2 days and multiple chats they told me they could not help. So I called the credit card company and after speaking with 5 different people they did not help with dispute. I finally asked to speak to someone about canceling my card ( after 1 hour of trying to resolve ) so they tried to transfer me but hung up and canceled my card without my authority. I never said cancel the card I asked to speak to someone about canceling hoping for help with my dispute. I use the card for over {$100000.00} a year in purchases and pay on time 100 percent of the time. I have an excellent credit score. Citi was my credit card bank. Never again will I use any Citi card.

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 2020-09-16 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:
XXXX and transunion have not sent me validation of the account on my credit report XXXX XXXX auto finance. XXXX has deleted the account from my credit report because they did not receive validation of the account. i have not received any validation from XXXX  or transunion they just keep updating my account. i am requesting account validation that this account is mine and if they can not provide account validation per FCRA i am requesting this account be deleted from my credit reports.On XX/XX/2020 i sent out a letter requesting validation my response was the account was updated. The date opened is inconsistent on my Transunion and XXXX  Credit report. If all three bureaus receive the same information from the creditor there should be no inconstancies in my reports. XXXX  could not verify this account and removed it from my credit report. The Date of last activity is inconsistent on my Transunion and XXXX  Credit report. If all three bureaus receive the same information from the creditor there should be no inconstancies in my reports. XXXX  could not verify this account and removed it from my credit report. I have attached proof of these inaccuracies and the letter i sent out on XX/XX/2020 asking for account verification

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 2020-09-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: LTD Financial Services, L.P.
State: IL

Complaint narrative:
On XX/XX/2020 I received a letter from LTD Financial Service XXXX XXXX regarding a debt owed to XXXX. I subsequently sent them a debt validation Letter on XX/XX/2020. On XX/XX/2020 at I received a call at which time I informed them that I sent in a letter requesting debt validation and told them not to call me until they received and responded to the request. On XX/XX/2020 at XXXXXXXX XXXX and XX/XX/2020 at XXXXXXXX XXXX   I received calls regarding the debt and the individual was very rude on the phone. In addition to the above mentioned calls, I received another call on XX/XX/2020 at XXXX. This violates multiple sections of the Fair Debt Collection Practices act. Specifically calling after they have been asked to stop and also attempting to collect a debt until they have satisfied my request for debt validation. LTD has been repeatedly sued for violations of the FDCPA with these exact practices. I am entitled to request in writing debt validation under the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: OK

Complaint narrative:
Our home was sold in XXXX of 2020 and our escrow refund has yet to be received. First roundpoint mortgage claimed they sent it to the wrong address and would resend. That was in XXXX and we still have not receive a check. I can not get a response from this company.

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 2020-09-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Lending Club Corp
State: MD

Complaint narrative:
This is and update to my original complaint. In review of my account, this company continues to apply MORE money towards the interest on the account that they should. Even after my payments were restored, they are STILL stealing money from me and this needs to be stopped. My interest payment should be going DOWN, yet for TWO months they stole my entire payment and applied it towards interest and on the THIRD month they continued to take nearly 80 % of my payment and apply it towards interest and that is NOT the intention of the deferment. HOW are you going to let them get away with this? If they are stealing from me, they are stealing from everyone else and SOMETHING has to be done about this. This is crazy that you allow this type of predatory lending practices. And on top of stealing my money up front, you are going to charge me interest AGAIN on the back end. BUYER BEWARE!! LendingClub is a predatory lender, they will steal from you in your face to line their own pockets and they could care LESS about the consumer. They should be sanctioned and shut down for taken financial advantage of people.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 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 — Problem with personal statement of dispute
Company: ARVEST BANK GROUP, INC.
State: OK

Complaint narrative:
Arvest reported me to XXXX   for overdrafts. Those overdrafts were not my fault. It's not my fault I was scammed and receive fraudulent checks. The overdrafts were caused by those bad checks. I have paid them the amount I owe so they need to remove me from XXXX. Remove me from 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 2020-09-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: HI

Complaint narrative:
For the past 14 years they have known my school loans were taken from a school that was closed due to fraud. I contacted them several times to discharge my loan and they never once told me about borrowers defense. 
They have continued to charge me interest, even when my loans have not supposed to be charged interest.

Company response to consumer: Closed with explanation