vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
To whom it may concern, My name XXXX XXXX. My husband has a repayment agreement with CitiBank to repay a loan I took This was forced on him because I filed for bankruptcy and he was forced to agree to repay the loan with a fixed interest rate of 7 % and a fixed payment amount. I have been making payments because he has almost no income, and payments have been made on time and for the correct amounts, but for the second time, CitiBank is trying to scam my account by reversing the payments I make to them, despite the fact that the payments are first accepted and the account which payment is made from always has the sufficient amount to make the payment. 
This issue has come up once again, I made a payment over the phone on XX/XX/XXXX, on a Checking Plus line of credit, # XXXX, which my husband has a repayment agreement with CitiBank at a rate of 7 %. I was told that the payment will be processed on XX/XX/XXXX. On XX/XX/XXXX, I called to ask if the payment was processed. I tried to make a payment for the second time and I was told that everything was fine and the payment was processed. 

However, XX/XX/XXXX, I received a bill stating that no payment had been made. I called immediately to fix it and made an ADDITIONAL payment of {$100.00}, calling the Citibank number XXXX. Representative XXXX, said everything is fine and the account is in good standing. 

Today, XX/XX/XXXX, I received a letter from CitiBank that they can not find anything about my account and that I should contact the bankruptcy department. I called today, and spoke with representative XXXX. I gave them my social security, my account number, my address, but representative XXXX refused to speak with me unless I give him the exact date that my account was opened. I do not recall this date because it was so long ago, and I do not understand why this is needed when I had already provided A ) An account number B ) Social Security Number C ) Address D ) My full name All possible information was provided. I do not understand why CitiBank is unable to access my information without the date the account was opened. I strongly suspect that this is made to defraud me and prevent me from making payments or discussing my issues with CitiBank. There is no other reasonable explanation.

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 2023-01-30 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Siggi LLC
State: SC

Complaint narrative:
Omni Financial has taken out funds by Allotment. According to the law they are not to do so since I am in the military as an XXXX member of the XXXX XXXX. They loss a lawsuit recently about the military pay act alongside other laws that makes this illegal. At this time Omni Financial is still taking out {$400.00} by allotment every month from my XXXX XXXX pay.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
This original debt was from XXXX XXXXXXXX XXXX XXXX It is now reporting as debt with NCB Management as a debt that is from XXXX  this false and all is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 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: EOS Holdings, Inc.
State: FL

Complaint narrative:
on XXXX my credit report show a collection.They said I owned XXXX XXXX dollars for an account in XXXXfor an address XXXX XXXX XXXX XXXX XXXX XXXX.I never lived or owned this property.I 've been living in XXXX since XXXXThey also have the persons name as XXXX. I never went by the name XXXX.This same collection was once removed from my credit report once before around two years ago. After XXXX had no account for me, and that collection was from a different collection company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: AXOS FINANCIAL, INC.
State: FL

Complaint narrative:
I was discriminately by AxosBank -- Loan-Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with no reason. i was deny a loan all documentation was provided My credit history which is attach on complaint is excellent- I will forward this to the state attorney, FBI XXXX DEPARMENT OF TREUSURY and the related to put out there this bank fraudulent behavior

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 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: TX

Complaint narrative:
This is XXXX XXXX XXXX XXXX is reporting a false and inaccurate credit information reported and it is a violation of 15 U.S.Code 1692e ( 8 ).

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 2023-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was sent a fake check, it redeemed and sent money but it returned chargedback a day after I sent the money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries Creditor Name Type of Business Date of inquiry Credit Bureau XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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  Experian XXXX XXXX XXXX XXXX XXXX XXXX Experian has violated my rights . 

15U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting ag
ency can not furnish a account without my written instructions

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 2023-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I have a been a banking client with Bank of America for the past 18 years. I only have a credit card with them. Its been that way for the past few years. Today, I log onto my online banking and see a checking account that was opened. This account was NEVER authorized by me to be opened. I called into customer service, there was a bit of a wait time, so I had to hang up as I had a meeting I had to be in. After my meeting I called back and spoke with the fraud department. The representative was very kind and she closed the account, said someone must have stolen my identity. I understand hackers and how they can steal your information. Ive gone through all the steps to protect my identity. All of my credit reports are locked down. I use strong passwords. I dont click on any outside links that Im not expecting. Not saying it cant be done, but its harder to get me than some of my peers. 

The representative told me that the account was opened online. That means someone would have to know my user name and password. I was baffled at this. How could someone open a checking account in my name at a bank where I have an existing relationship and that bank not as much send me an email to say you have a new account. The account that was opened happened to be opened using an old address. Still nothing from Bank of America to say hey your address was changed in our system. Im not sure if you keep old addresses on file, but that old address is my Mothers address. Im still baffled by this, now why would someone who was trying to steal my identity and for some odd reason open an account in my name at an institution that I have an existing relationship with use my mothers address. 

So now Im thinking this has to be an inside job. Is there a banker somewhere trying to reach a goal and is opening up accounts fraudulently? It said the account was open on XX/XX/2023. Banks were closed. That was a Sunday. No one logged into my online banking. Below is a screenshot of my logins per online banking. There was no login on using my id and password. There was no type of transactional activity that took place on the account. I hope you sincerely look into this being done by an employee. I know you may say, no way an employee would do this type of thing, but remember the same thing happened to XXXX XXXX years ago.

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 2023-01-30 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Radius Global Solutions LLC
State: PA

Complaint narrative:
On XX/XX/XXXX I had contacted Radius Global to pay off a collection account in full. As I'm a veteran, I have been in a process of being able to get approved for a VA home loan. Upon speaking with the financing company, it was plainly stated that the only element stopping me was the collection account from Radius Global. 

The account was sent to them from the XXXX XXXX XXXX, in the amount of {$410.00}. I had spent a year in battle between the property management company, and the XXXX XXXX XXXX trying to resolve the issue. 

In XX/XX/XXXX I had to relocate from my apartment in XXXX back to XXXX. Upon my move-out, around XXXX I was informed that there would be no technicians available to get a meter reading as they were short staffed because of the XXXX pandemic. The property stated that everything was okay and they would be in communication to ensure the electric service would be reverted back to them. THEY NEVER FOLLOWED THROUGH. It was months until anything changed- until a new tenant set up service. So all heating through the winter, electricity used when they were doing any improvements or even showing the unit WAS AT MY EXPENSE.

I'd requested that Radius Global delete the account in return for my payment so I can simply move on with my life. A representative transferred me to a manager, for him to say " we don't do that '' and that he could forward a request to the " department '' in charge of credit reporting. But in his opinion, my reason for the request was based on " want '' and not " need ''. 

This is a disgusting practice, as I've been wronged by a total of 3 different business throughout the entire endeavor. I was offering payment on a silver platter, and after telling my story I was told it was my fault because I should have told them to shut off the electric service. The man cared nothing more than making himself feel superior because I suppose he's never had to fight so much to pay for something he never even utilized just to simply use a benefit he's entitled to. 

There is absolutely NO REASON for a company who never had anything to do with the debt other than buying it from someone else to keep something like that on a report. I suppose I'll live in my apartment in a progressively more unsafe area forever because a company is lazy. So much for utilizing the benefits I sacrificed years of my life for.

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 2023-01-30 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Lendmark Financial Services
State: PA

Complaint narrative:
it began XX/XX/2022. I applied for a stove at carmines appliances. I was sent to Lendmark and they took my information over the phone. I waited over thirty days to find out if I was approved. I went to the store, and they said that I would have to call Lendmark. I made that call to find out that I was not approved because I needed my sister 's income because mine was not high enough. I did not give my sister permission to use my identity or my income.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX. I did not authorize these accounts. These accounts are fraudulent.

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 2023-01-30 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
During the last decade, account was charged for not having a minimum amount. Account was finally adjusted to avoid charges. Account was also breached by unknown party using stolen identity. Account was adjusted and finally all accounts were closed.

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 2023-01-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XX/XX/2023, I checked XXXX XXXX XXXX in XXXX XXXX and found that XXXX XXXX Card filed legal paperwork with the county on XXXX. This company never contacted me. This company never gave me a chance to respond in court.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 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: Lewis, McDonnell & Associates
State: TX

Complaint narrative:
This is LEWIS MCDONNELL & ASSOCIATES is reporting a false and inaccurate credit information reported and it is a violation of 15 U.S.Code 1692e ( 8 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Credit International Corporation
State: WA

Complaint narrative:
I received a notice of garnishment for a debt that is XXXX XXXX XXXX with no notification at all. The collection agency is Credit International Corp on behalf of XXXX XXXX and XXXX XXXX. I have never received any information from these people or this company. On the face of the writ it states its from XX/XX/2014

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 2023-01-30 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
1. Bank of America would not release my CD to me. It matured XXXX. They told me it was because it was being held to secure the business credit card.

2. Bank of America promise they would use the CD to pay off the account, close the card account, and mail me a check.

3. Bank of America then : renewed my CD without my approval, did NOT pay any amount towards the credit card account, and have not sent me the balance.

4. Bank of America now sends me a letter telling me that they will continue to renew the CD until the credit card account is paid off.

In short, Bank of America is holding my {$1000.00} CD monies ( that already matured, and I should have authority to demand redemption of ) paying .03 % interest, while charging me 26 % interest on a {$810.00} balance that I could more than pay off with the CD proceeds.

THIS SHOULD BE ILLEGAL!

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 2023-01-30 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: CA

Complaint narrative:
This company is reporting inaccuracies on my consumer report. I have tired to resolve this issue with the company mentioned in this complaint. They are continuing to report late payments on the fallowing account. 

ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The company on mentioned is violating my rights under 15 U.S. Code 1666b - Timing of payments & 15 U.S. Code 1605 - Determination of finance charge Ive attached a copy my consumer report with these inaccuracies below with my ID, bank Statement and tax return Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Called Comenity Bank regarding a XXXX yearly fee for a card they administer for XXXX XXXX XXXX XXXXXXXX. I called approximately XXXX weeks before the due date ( XX/XX/23 ) to request that the card be canceled. 
I subsequently received a letter from Comenity bank stating that the XXXX XXXX XXXX XXXX XXXX had been closed. They also state in this letter that my current balance is XXXX, and you will continue to receive monthly billing statements until any balance is paid in full. 
This is an annual fee for a card that is now closed. They basically threaten to ruin my credit- listing all the credit reporting agencies as intimidation. 
Please keep in mind that I canceled the card prior to the due date on my statement.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-30 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: WESTERN UNION COMPANY, THE
State: NC

Complaint narrative:
We are working on entity license and payment transmitted with mortgage lenders and credit bureau and contact the credit bureau with investigation on the report ans send a notice of the foreclosure and bank statement regarding the issue in concern and keep relevant contact with the complaint submitted to XXXX concerning the data breach and concerns regarding the difficulty in supplying the dispute with the mortgage of the property and update the company with the XXXX and XXXX XXXX from the payment voucher and attorney information from the support group.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: CO

Complaint narrative:
I filed for a reissue of my student loan refund on XXXX XXXX XXXX XXXX  and was told it would take 4-6 weeks. Once that occurred and no check was reissued I was given a new time frame of 8-10 weeks. It has been now 11 weeks, and was now told there is no time frame and it is unclear when my check will be reissued.

Company response to consumer: Closed with explanation