vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
This complaint is against CITIBANK ONLINE banking services. I have an Accelerated Savings ACCOUNT with CITIBANK ONLINE. Since XX/XX/2022 I have been trying to get my {$100000.00} out of the CitiBank, and close the account. I have spoken to at least 10 CITIBANK employees, all of whom are in the XXXX and all of them gave me wrong information. I opened a CITI checking account SPECIFICALLY to transfer my money to my XXXX XXXX XXXX ACCOUNT, via XXXX. I did everything they told me. XXXX transfer limit is {$25000.00} : how am I going to transfer {$100000.00}, {$2500.00} at a time. The telephone employees told me I would receive checks and an ATM CARD : I never received any checks or ATM. For 2 months, I called CITIBANK every week. I CALLED several times, getting different information every time, but they would not offer me any other way to get my money wired. 
Finally on XX/XX/2022, I was able to wire {$50000.00} from my CITIBANK ACCELERATED SAVINGS account to my XXXX XXXX XXXX checking account. 
Then on XX/XX/2022 I submitted a wire request for {$50000.00}. 
It is XX/XX/2022, and I received an email from CITIBANK stating : Your wire transfer is on hold Please call us to verify your information. 
Hi, XXXX. We previously tried to contact you about some information we need to complete the following wire transfer from your SAVINGS account. Since we were unable to reach you, it's currently on hold- please call us as soon as possible at XXXX. For TTY : Use XXXX or other XXXX XXXX. If we don't hear from you by XX/XX/2022, we will have to cancel this transfer. 
Wire Transfer Details Amount XXXXXXXX XXXX  XXXX XXXXXXXX XXXX  Date XX/XX/2022 Transfer Type Domestic I called CITIBANK ONLINE 3 times : no one could tell me what information is needed. So there is nothing more I can do, except wait. They state in this email that they will cancel this wire transfer if I dont contact them today. I did contact them. No one knew anything about more information they needed for the wire transfer to go through. So, again, I can not access my money. This is fraudulent. Every Citibank employee misinformed me. I got NO ACCURATE, HONEST NOR COMPLETE resolution.

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 2022-11-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, XXXX & XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX XXXXXXXX, and XXXX XXXX have violated my rights. 

15 U.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 agency can not furnish an 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 non-monetary relief
Consumer complaint received 2022-11-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: PNC Bank N.A.
State: NC

Complaint narrative:
When I made the complaint to you about what PNC had done to me they took revenge on me by freezing BOTH of my accounts ( my business and personal ) so I could not get access to any of my money causing me a great hardship. My mother was on my persoal account too which caused her financial problems also. 

I was not able to pay any bills and including the death of a pet because they withheld my money without any reason or explanation. Nobody could help me nor could anyone find out why they were doing this to us even though they apologized profusely, acted like they were trying to help, then stabbed me in the back anyway. 
The people they directed to so call investigate and resolve the matter lied to me at every turn. The whole ordeal was a farce. 
They destroyed me financially and emotionally. I was a loyal client for over 15 years until they turned on me this XXXX XXXX through XXXX XXXX. 

We feared for our lives every single time we went into one of their banking establishments praying they would not call the police and have us executed under the guise of them fearing for their lives that we were trying to rob their banks, etc. 

They refused to give me any explanations as to why they were ruining me financially after 15 years of banking with them. 
Then they just closed my account down altogether and told me I only had a short window to get my money out. Even after that, they still would not let me in to retrieve those funds until the last moment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo filed a claim on my account. Which they wont fix. I never filed claim on my account. Wells Fargo made a fraud on my account!

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 2022-11-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: TD BANK US HOLDING COMPANY
State: MO

Complaint narrative:
Nordstrom.com and a XXXX by the name of XXXX, who claims to be in financial services, has canceled and blocked all online orders made by me or a family member to my address on file. Her reasoning was that I was upset and cursed at here over an order that was clearly tampered with when received. Instead of fixing the solution, she took it upon herself to block my usage and then in an email told me to not shop with Nordstrom. When advised to escalate and that she didn't have that authority she stated she could do whatever she wanted. This is causing me to not use my nordstrom card, who has stated there is nothing wrong with my credit account. XXXX is clearly vindictive over a customer being upset and is retaliating against me and my family over an issue that should have been resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I have the Chase Sapphire XXXX card and pay a hefty annual fee for benefits like the travel protection. I have spent 7 months supplying every document XXXX XXXX XXXX  ( the 3rd party used by Chase ) requested to prove my travel claim. Every time they told me they had everything they needed, 2 weeks later they would ask for additional documents and sometimes just a different version of an already submitted document. I talked to the examiner and they even admitted that I actually didnt need the additional documentation that was requested because I had already provided it. Clearly, they didnt even review the documentation they requested. This continued on for many months of submitting more documents and having more phone calls. Around the 5 month mark they told me they would approve the claim and several more weeks go by with no update and when I call back they tell me again that I need even more documentation. Every time you call them with an issue, they request more from you and tell you itll take longer. Finally, the claim examiner left a voicemail ( which I kept as proof ) saying that all is good and that they have submitted the claim for payment and that I will receive more information in the mail. Well, more weeks go by and I call again and they tell me once again, my claim needs more information. It is clear that XXXX XXXX XXXX ( owned by XXXX XXXX ) is trying to delay paying out my claim to bully me into giving up and thus allow them to not pay out. It is clear that this falls into Unreasonable Claim Delay.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-23 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, XXXX & XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX, XXXXXXXX XXXX XXXX XXXX, XXXX XXXXXXXX, and XXXX XXXX have violated my rights. 

15 U.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 agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23 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: MD

Complaint narrative:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act 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 have violated my rights. 

15 U.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 agency can not furnish an 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 2022-11-23 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Bridgecrest Acceptance Corporation
State: VT

Complaint narrative:
My complaint is about the bridge crest auto financing company.in XXXX my husband and I had a vehicle rom them our second one may I add because we yad perfect credir wirh them. But we were in a total loss accident the other ladies insurance was Deemed responsible to pay the total loss I had spoken to her insurance company several different times and they stated that they would be paying for the loss of the vehicle the last time anybody was spoken to through bridgecrest was in XXXX they spoke to my husband and apparently told him that we would still owe the payment but then I spoke to them a couple days later and explained what was going on and had an insurance company talk to them or whatever letting them know that the payment was going to be paid directly to them the lady I spoke to then said that she was gon na go ahead and have the payment deferred and wait until they received the payment from the other party 's insurance for the total loss of the vehicle. I had not heard anything from the company in over 4 years and then all of a sudden I'm in the process of buying a house to find out that there was a charge off from this company On my credit report so I called the experience they explain that I needed to call bridgecrest so I called bridgecrest and the lady was extremely rude telling us that they could not contact me because they didn't have a phone number my phone number has been the same since I was XXXX XXXX XXXX I am XXXX XXXX XXXX and there is nothing that has changed except for my address and I told them that so nobody had ever tried to contact me they just automatically charged this account off which is now screwing up my chance to get my house that I'm supposed to be buying in less than 2 months They refuse to want to work with me I finally told them that if I have to off I'll bankruptcy or file a complaint since I thoug that they were supposed to notify me if they didn't get paid or notify me if the defirmate was done and give me a Chance to pay the debt but they didn't they just automatically charged off without notifying anybody and at this point I hope I told the lady it's it's like a covid disaster there's no way I can pay it I've been out of work it's covid and I'm in the process of trying to buy a house through the FHA program in Vermont But I always thought a charge off was supposed to be they contacted somebody several several several times before just charging something off we were not contacted once past that initial communication that we had in XXXX where they told myself and my wife that they were going to defer the payments to the hardship and the fact that the other ladies insurance company was going to be paying for the total loss this company is truly a scam.. the amount of the charge off is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
A safe deposit box fee of {$100.00} was charged to my checking account on XX/XX/XXXX. I did not authorize the charge and was previously told in XXXX by a bank officer that there would be no charge for this box since I was grandfathered in as a free safe deposit box rental for more than 20 years. At the time I agreed to rent another larger box for an annual fee of {$130.00} which was charged to my checking account in XX/XX/XXXX. If not for the promised free rental for the smaller box, I would have cancelled and closed it at that time in XXXX. 

The bank claims a notice was sent in XX/XX/XXXX that the free box would now be subject to an annual charge. I do not recall seeing the notice and would have no reason to even look for one since I was promised the smaller box would remain free. 
As soon as the charge appeared, I closed the box and requested a credit to my checking account, but the bank refused, even though there was 11 months remaining on the rental. The bank said they did not have the ability to credit back the charge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kinum, Inc., Indianapolis, IN Branch
State: MI

Complaint narrative:
They called me and I asked how to dispute this because my insurance was billed incorrectly and I was told that I signed something with them to pay it and I HAVE TO PAY IT and ask to be refunded. There was no option of figuring out how to dispute it or go back I was told that I signed something ( I did not and received no notice of collections ) and that I had to pay it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2022 with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, their is not excuses of why i am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter 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 2022-11-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have violated my rights. 

15 U.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 agency can not furnish an 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 2022-11-23 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have violated my rights.

15 U.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 agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23 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:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have violated my rights. 

15 U.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 agency can not furnish an 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 2022-11-23 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:
I am writing the delete the following information in my file. The items I need deleted are listed in my report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal trade commission and I also have enclosed copies of the Federal trade commission 's identity theft affidavit. Please delete the items as soon as possible this is really affecting my credit report which is stopping me from many opportunities. Also this will be my third time submitting these documents.

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 2022-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing the delete the following information in my file. The items I need deleted are listed in my report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal trade commission and I also have enclosed copies of the Federal trade commission 's identity theft affidavit. Please delete the items as soon as possible this is really affecting my credit report which is stopping me from many opportunities. Also this will be my third time submitting these documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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