vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-03 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I have tried to close account multiple times with PayPal as I had unauthorized charges on my account. I paid some of the unauthorized charges before I noticed that someone was charging on my account. I opened a complaint and closed my account. I continue to get harassed by the company and it appears they opened another account in my name or someone has. I am so tired of calling this company and getting the run around.

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 2022-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
So I was expecting my tax return to deposited into my account on XXXX XXXX and the day before on XXXX XXXX my account was blocked because I was negative- {$4.00} for about a week. So I called and they told me that all deposits would be sent back. So I waited and checked the Citibank app again on XXXX XXXX and had a positive balance of {$1700.00}. I called and asked them to unblock the account and they said they cant and it will take 60 days to receive my money in the mail and they could give me no further details and hung up on me. I just think this is ridiculous and I need that money as soon as possible.

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 2022-03-03 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: FL

Complaint narrative:
I UPDATE MY CREDIT REPORT. THERE ARE SOME ACCOUNTS WHICH IS NEVER BELONG TO ME. THE INFORMATION IS NOT RELATED TO ANY TRANSACTIONS MADE BY ME. IT LOOKS LIKE SOMEONE HACKED MY PERSONAL INFORMATION. THESE ACCOUNTS ARE FROUD

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 2022-03-03 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: CREDIT ACCEPTANCE CORPORATION
State: LA

Complaint narrative:
To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. CREDIT ACCEPTANCE CO The creditor replied they would remove the disputed item but the bureau is still reporting the information.

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 2022-03-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Im unable to open a bank account anywhere even after paying off the debt that I did not owe. I called the branch that I had the account with and they blamed me! Nothing has been done. All of my information was stolen from me my freshman/sophomore year in college and was used to put fake checks into my account. Ive been trying for the past four years to get another bank account and or credit Union and it wont work. I need a bank account it is now 2022 and this is out of hand. I feel lost and uninformed on what to do to fix this so that banks can stop denying me! I have a copy of my reports but I dont know what to do with the information. 

I have done everything to try and clear my XXXX XXXX XXXX, reached out to all of the banks and they say my name is cleared yet I am STILL Unable to open up a bank account with anyone!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
After selling my house XX/XX/2021, I reached out for a mortgage loan. I have no experience with credit cards and know little how loans and credit work. My house loan was under my ex fiance because of my little credit ( school loans, medical loans ). I found out there was a " charge off '' under my credit score through Capital one. I never opened a credit card on my own. After speaking with capital one, the credit card was opened XX/XX/2021 and now charged off for {$440.00}. I asked for the representative to verify the address on file in which he could not. I gave my address to where my fiance and I lived which differed from the one on file. My brother recently had theft for {$30000.00} recently occur from an address we lived at 5 years ago when we first moved to NC. I remembered that and told the representative the old address. He confirmed that was correct. I have attempted to speak with capital one regarding this. I even attempted to pay off the balance. Even so, the representative told me the email on file belonged to a " XXXX ''. This email is not mine. I was then told it would not matter if I tried to take the balance off. I am now unable to even be approved for a small apartment due to this matter. It is truly saddening this has occurred, although not {$30000.00}, this has affected my means of living.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Bank inquiry XXXX XXXX  dated XX/XX/2020 is over two years old and Experian has not deleted it in accordance with the FCRA

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 2022-03-03 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: MD

Complaint narrative:
I have been reaching out to TransUnion, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from TransUnion and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : Personal Information : 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 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

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 2022-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS)
State: MS

Complaint narrative:
XX/XX/2022 XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX. I called the XXXX XXXX, i also called Chexsystems about the Reported balance of {$190.00}. Im unable to open up a checking account because of this negative balance being reported in the chexsystem.

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 2022-03-03 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2022-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I opened at CitiBank XXXX account on XXXX XXXX, XXXX for the sole purpose of getting the {$1500.00} bonus they offered if I kept {$200000.00} in the account for 60 consecutive calendar days. You then had to keep the acct open for 90 more days waiting for the bonus to fund. I did this. The bonus funded in XXXX, but it was for {$700.00} instead of {$1500.00}. I was then told when I called that the requirements stated that the 60 days began after day 20, thus meaning you had to keep the {$200000.00} in for 80 days. This bonus is still being offered, and the language now clearly states that the 60 day count begins after day 20. However, that wording was not present when I opened the account. Clearly, CitiBank realized at some point that this wording was missing, and added it later. 
I called CitiBank multiple times last fall to check on this 60 day ruling. I opened my account with a {$200000.00} deposit. I asked when do I start counting the 60 days. Is it from the date of opening? Or is it from the date you actually receive the money? Is it calendar days or business days? I was told over and over again that I would meet the obligation at the end of XXXX. I kept the {$200000.00} in the account for about 10 more days just to be on the safe side. I moved {$150000.00} out of the account in early XXXX, keeping {$50000.00} in the account to avoid a service fee until the {$1500.00} bonus funded.I actually have it in writing from a Citibank employee that I contacted via the app that I indeed would meet the requirements as of XXXX XXXX as long as I kept the account open for 90 more days. 

I have contacted Citibank many times about this to no avail. The last letter I got from them sounds like they do acknowledge that I should've gotten an additional {$800.00} but because I closed my account In XXXX, they can not fund it. This is just wrong. I closed the account at the end of XXXX because when I called to ask why I only received {$700.00} instead of {$1500.00}, I was told that I didn't meet the requirements for the {$1500.00} and that I would NOT be getting the additional {$800.00}. That is why I closed the account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-03 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: MD

Complaint narrative:
Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$9600.00} XXXX XXXX XXXX Balance : {$150.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Ive been a chase costumer for 4 yrs now. Never have an issue. On XX/XX/22 I received a check from school. I did an online deposit. Received a msg that check is been processing. On XX/XX/22, I check the acct and funds were available. I try to sent a pymt and the act didnt work. I thought it was a technical issue. My surprise came when received a msg that tell me that my acct was on hold and gon na be close for missing documentation. I call the bank. They told it was a problem with check verification. That if I received notice that a check will be mail to me. I didnt have it with me at the time. Later I found all the info from the school and I call back. They verified that the check was sent to me. The representative told me ok XXXX gon na email to lift the restrictions. I was on hold for about 40 min and she reach back to me and told me that some office did a second review and decided to close my acct. I ask to call that office and she told me that what she could do is transfer me to her supervisor. The supervisor, name XXXX, told me the same as the other representative. And that I sign the agreement that they could close my acct without any notice. I told her that I want an explanation. And her reply was you do not understand anything? You sign for this. I said, I want to speak with whoever made that decision and she replied that those people never answer to no one. No even them. I was in the phone for an hour without a good response, who made her think that I would mind to wait 3or 4 hours to get a response. Now I have to wait 2 weeks for them to mail me a check with my founds. Meanwhile my bills will be unpaid. I dont care to have a checking acct with them anymore, but I think I deserved an explanation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Account Name XXXX XXXX XXXX XXXX XXXX ( CLOSED ) Account Number XXXX In accordance with the Uniform Commercial Code Article 9-210 I am requesting accounting of the alleged debt.

This information has has violated my rights under the FCRA. This has caused XXXX XXXX, loss of opportunities, Credit loss to say the least. I am unable to purchase a home for my family. 

By the provisions of the consumer protection laws, I demand that if unable to do so or lacking proof, update my payment history, remove negative remarks and change to PAANL status ( Paid as Agreed, Never Late ).

I will be seeking { {$5000.00} } in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 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: MD

Complaint narrative:
Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

XXXX XXXX XXXX  XXXX XXXX Balance : {$9600.00} XXXX XXXX XXXX Balance : {$150.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}

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 2022-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo continuously declines on purchases I attempt with my debit card! Regardless of the fact that I submit the correct pin which is the security

measure! I have plenty in the account to cover the purchase, but they still decline! I am using the process of providing my card and pin, YET THEY ALWAYS DECLINE! They state it is for security purpose, but that is nonsense since the security requirement of card and pin had been met! It has been absolutely debilitating be stranded without fuel and other life destroying circumstance that they create not honoring my purchases that I am attempting with MY MONEY! They do it to illegally retain our money as asset base for their benefit. I have complained over 40 times to them a
bout stopping this felonious behavior. They have not and will not change this thievery! They seem to have some shield against being charged and prosecuted for this felony they

keep perpetrating on US citizens! I have complained here many times to no avail! Your response is sheltering them from these criminal charges, as well! Your lack of action makes you responsible for them continuing to perpetrate these crimes! Even though you receive thousands of complaints against them exactly in this nature! This means you are effectively assisting them to injure US citizens financially! Wells Fargo is a criminal institution, and YOU KNOW IT! DO something about it! Or, the FTC might as well not exist! It wouldn't be hard to have Congress cut your existence from the budget! Especially since you do nothing to protect citizens from
unlawful banking institutions!

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 2022-03-03 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: Experian Information Solutions Inc.
State: DC

Complaint narrative:
Im not happy with Experian Customer Service. They didnt get update in my account since XX/XX/XXXX. Im complaining to ask them because its rude on me. My negative accounts keep to stay within 10 years but my debts has paid off and XXXX balance from XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX. 

Remove off 1. XXXX XX/XX/XXXX. 
2. XXXX - XX/XX/XXXX. 
3. XXXX XXXXXXXX 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 2022-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
I received a check for rental assistance provided through my State government ( Oregon ) and deposited it into my account. I was alerted that my check was accepted and the funds would be available to me on XX/XX/2022 after the check was processed. Capital One then froze both my Checking Account and my Savings Account and stated " Your funds are not available for withdrawal. Please call us at XXXX. '' I called, waited on hold for 25 minutes only to be told that they need to call someone to verify that the check is real. I continued to wait on hold while they called someone and they could not get ahold of them. They then told me that I will not have access to my money or to my paycheck which is supposed to be deposited today ( XX/XX/2022 ) because they couldn't talk to someone. I could not purchase gas for my car and therefore was unable to go to work because of my accounts being frozen.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-03 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: GA

Complaint narrative:
I lost a wallet with all my personal information ID, SS Card, Bank Cards etc. I canceled the bank cards the next day so those were no issue but some months later I started noticing items on my credit I had no knowledge about and at that time I didn't put 2 and 2 together about losing my wallet so I would just dispute the charge to no avail. Later when trying to purchase a home I seen where it listed on my credit that I had a balance from an apartment when during that time I lived at XXXX XXXX XXXX, XXXX in a house not an apartment. I can't do anything with these items on my credit. I have been going back and fourth with with that all the accounts opened up in my name and I just need this to be over. I have collection accounts from XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX I have over 10 Inquiries from places I have no idea about. Credit card closed accounts theres 2.

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