vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
It is almost another month passed by, this is still not resolved. 
We did receive a letter stating a {$7000.00} check is included but the check was not included. It is the letter only. We called the Fraud department again to ask them reissue the check, but they had no clue what was going- they stated that they would do some research and get back to us but 5 days passed by, and no one has got back to us. 

Our account that lost {$15000.00} is still in trouble and we could be charged interest because the account shows we own that amount. We opened another account and put a deposit on- it is our daily used primary account but the deposit takes 15 days to get money into the account which makes us no cards to use to have daily purchases. 

Our over withdrawal protection account is still locked with the account that has faud on so we can not have any withdrawal protection on our new account opened. 

Is citi bank this bad that could not solve the problem for 2 months?

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 2024-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: WI

Complaint narrative:
On XX/XX/XXXX, my friend sent me {$300.00} through Venmo. There was no purchase. She simply sent me the {$300.00} and texted me, asking me to send the {$300.00} back to her. At the time she stated that she had to verify that her Venmo account was legitimate. Therefore, I sent back the {$300.00} within 5 minutes of her sending it to me. This exchange and request was captured in my text messages. I thought nothing of it. I had been transacting with her for over a year by that time, and she sometimes provided my kids with horse riding lessons. I would pay her back for her time with Venmo. 

At that time, my personal Venmo account had a balance of {$180.00}. 

Then, on XX/XX/XXXX, Venmo deducted {$300.00} from my account. This froze my account, and displayed that I owe Venmo {$110.00}, because I had less than {$300.00} in my account at the time. Venmo stated that my friend 's bank had opened a dispute with Venmo, stating that I owed her {$300.00}. Therefore, Venmo took out {$300.00} from my balance, showed a debit on my account and froze it. 

Despite the fact that I submitted a request to Venmo to get rid of the erroneous {$300.00} debit, I received no reply. You can see by the transaction screenshot that there was no {$300.00} owed. 
My friend said that she was trying to explain to her bank that she was NOT disputing the {$300.00}, and that I owed her nothing. She said that they would have to take like 72-90 days to clear everything up. 

When I called Venmo on XX/XX/XXXX ( by the way, its almost impossible to find a way to call them ), the representative told me he could not help me, and that I would need to talk with my friend and her bank. HOWEVER, Venmo is the one holding my money!! 

I have text messages, Venmo Balance screenshots, and a statement from her bank stating they are closing their dispute. However, my Venmo account is still frozen. Venmo is still showing that I owe them money. When truthfully, they owe me {$300.00}!. 

This is a terrible company to work with. I am at my wits end. Please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: AL

Complaint narrative:
I finance a car in XXXX with Hyundai Motor Finance and paid off the loan in full in XXXX. I never received a lien release at that time and thought it would be sent, but it never was. Now I would like to trade in the vehicle but there is still a lien on it. I contacted the company last week, and they said they would send a lien release, but I still have not received it. I called again this morning and they said their computers were down and could not do anything. The Title services section of their website does not function. This situation is blocking me getting my new tag/title for the transaction involving the trade in.

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 2024-03-11 00:00:00
Product: Credit reporting 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: GA

Complaint narrative:
There are some fraudulent inquiries on my credit 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 2024-03-11 00:00:00
Product: Credit reporting 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 am writing to dispute unauthorized accounts on my credit report. I did not initiate these accounts, and I strongly suspect them to be the result of identity theft. I kindly request that you thoroughly investigate these accounts and promptly remove them from my credit 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 non-monetary relief
Consumer complaint received 2024-03-11 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ALLIANT CREDIT UNION
State: MI

Complaint narrative:
Alliant still refuses to accommodate my XXXX. Sunday I returned from NJ to find a XXXX XXXX envelope in the snow in front of my home. It was wet and the letter was fading. It is telling me about my password and wants me to reset it. I dont want to change or reset my password. It was the XXXX who blocked me from using my own password. They have tried to change my email and are now trying to change my password against my will. They provide a number on the letter but it is not available during normal XXXX hours and is limited and not toll free. They continue to destroy my credit due to the lack of accommodation under the ADA so I could manage my account. There a pending civil rights complaints against them with the State of IL and the XXXX XXXX XXXX for refusal to accommodate my XXXX. The XXXX also left a letter about my mental health outside in FL and refused to retrieve it. ( See photo ) I have USPS mailbox that is safe from weather, I hold or forward my mail when needed. Using XXXX XXXX  to leave notices outside in the weather compromises my security. Lastly their requests for me to call go against medical advice since each time I had called in the past they were not prepared to discuss any accommodation under the ADA an only triggered my XXXX. They have never contacted me about any ADA process at their company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: McCarthy, Burgess & Wolff, Inc.
State: MD

Complaint narrative:
XX/XX/2024 they repeatedly calling me & family members after being informed to only contact via written letters

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to dispute an inaccurate late payment entry on my credit report. I have consistently made payments on time for this account, and it is causing me immense stress to see this incorrect late payment entry. I have never faltered in my commitment to timely payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: TN

Complaint narrative:
On Sunday XX/XX/year>, I notified Chime Bank XXXX XXXX unauthorized transactions that occurred on my Chime Debit Card totaling {$3900.00}. Chime Bank falls under Banking services provided by XXXX XXXX XXXX  XXXX. or XXXX XXXX XXXXXXXX, XXXX FDIC. The Chime XXXX XXXX XXXX is issued by XXXX XXXX XXXX or XXXX XXXX pursuant to a license from XXXX XXXX XXXX and may be used everywhere XXXX XXXX XXXX are accepted. Please see back of your Card for its issuing bank. 

I found out that the transactions that occurred were made to XXXX XXXX XXXX XXXX a payment processor for XXXX XXXX XXXX XXXX. I notified the merchant to close the account and reported the unauthorized charges and sending all the requested information to the merchant. 

On XX/XX/year> I received an email for Chime Bank stating : " This letter is to inform you that we have made a final determination regarding the claim referenced above. As part of our investigation, a review of our systems was performed in addition to information provided during the claim filing process. As applicable, we coordinate with other financial institutions, merchants, and networks as part of the claim review. 

Based on our investigation, we have concluded no error occurred. Therefore, no funds will be credited to your account and this claim is considered closed '' I have requested a copy of the documents that Chime Bank stated was used in determining the final outcome of the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NE

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

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 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 00:00:00
Product: Credit reporting 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: NC

Complaint narrative:
I sent letters to the credit bureaus to get the following inquiries removed: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
TRANSUNION: 
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 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and XXXX XXXX XXXX XXXX XXXX Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Please promptly remove the public record currently appearing on my credit report. I have provided supporting documents for my request and appreciate your swift attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I have XXXX inquiries on my credit report that I did not authorize. Someone else added me as an authorized user to a credit card, I did not authorize this, nor had any knowledge of this. Now theres XXXX inquiries bringing down my score that I did not authorize. 
I contacted XXXX and had my name removed from the account, but the inquiries remained? It should not have been there in the first place. This is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
PORTFOLIO RECOVERY A ( Original Creditor : XXXX XXXX XXXX ), it appears that there are some inconsistencies and incomplete information among the XXXX major credit bureaus ( XXXX, XXXX, and Equifax ) : Account Number : XXXX and XXXX do not provide an account number. Equifax reports an account number that is partially masked as " XXXX. '' Account Type : All XXXX  bureaus report an " Open Account '' as the account type. Account Type - Detail : All XXXX  bureaus report " Open Account '' as the account type detail. Bureau Code : All XXXX  bureaus report " Individual Account '' as the bureau code. Account Status : Equifax reports " Notsatisfying XXXX '' as the account status, which is not reported by the other bureaus. Monthly Payment : Equifax reports a monthly payment of " {$0.00}, '' while XXXX and XXXX do not provide this information. Date Opened : Equifax reports a date opened of " XX/XX/XXXX, '' while XXXX and XXXX do not provide this information. Balance : Equifax reports a balance of " {$2000.00}, '' while XXXX and XXXX do not provide this information. High Credit : Equifax reports a high credit of " {$2600.00}, '' while XXXX and XXXX do not provide this information. Credit Limit : Equifax does not report a credit limit, while XXXX and XXXX do not provide this information. Past Due : None of the bureaus report past due information. Payment Status : Equifax reports " At least XXXX  days or more than XXXX payments past due '' as the payment status, which is not reported by the other bureaus. Last Reported : Equifax reports a " Last Reported '' date of " XX/XX/XXXX, '' while XXXX and XXXX do not provide this information. Date Last Active : Equifax reports a " Date Last Active '' of " XX/XX/XXXX, '' while XXXX and XXXX do not provide this information. Date of Last Payment : None of the bureaus report a date of the last payment. XXXX Payment History : Equifax reports `` OK '' for most months, with XXXX instance of " CO '' ( which typically means charge-off ). XXXX and XXXX do not provide this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I saw my credit report and noticed that there are inaccurate accounts I needed to report and correct by your 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 non-monetary relief
Consumer complaint received 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

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 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX XXXX Account number XXXX XXXX Account name : XXXXXXXX XXXX XXXXXXXX Account number : XXXX Account XXXX : XXXX XXXX Account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX ( XXXX yrs., XXXX mos This vehicle was repossessed by ( XXXX XXXX XXXX ) in the State of ( Florida ) on or about, XXXX XXXX and resold on or about XXXX XXXX Under the laws of the State of Florida UCC 9.506 and State XXXX  and XXXX statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. I requested them to provide proof within XXXX  days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. I have not yet received the proof have not been provided of the GAP insurance value, And the resold on the Auction. This had been over XXXX  years me requesting from them. Additionally, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and UCC remedies. 

The vehicle begins to have engine problems, which I was finance extra into my loan to cover engine and transmission. I had the car less that XXXX  days I brought the car to the approve repair show that they provided. They advised me that it was engine issue that they would need to open the to repair. They put in several claims to the warranty to the company so they could repair the car. They then raised my car payment from {$450.00} to {$890.00} per month. I was ahead on the payments XXXX  months going back and forth with the claims of this company being without out this car. I then was told I could then get another car, but only from the same dealer as I had already had issues with the first car. The car was left at the dealer repair shop. I put down {$5000.00} they increased my car payments so that I could no longer afford them. Then removed the car from the car repair shop.

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 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to dispute unauthorizedaccounts on my credit report. I did not initiate these accounts, and I strongly suspect them to be the result of identity theft. I kindly request that you thoroughly investigate these accounts and promptly remove them from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.

Complaint narrative:
Unable to withdraw money from coinbase and move it to my wallets

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.

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 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Synchrony Bank ( XXXX XXXX XXXX ) has been paid in full on my account XXXX as of XX/XX/year>. I disputed the charge with XXXX, and XXXX is reporting as of XX/XX/year> that my balance owed is {$3800.00} when, in fact, my balance on this account is XXXX dollars.

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