vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I went to Citibank on XX/XX/22 to deposit my 401k check of XXXX and a week later the check was never cleared in my bank account. I called Citibank customer service on XX/XX/22 and they informed me that they have no trace of the check being deposited and that they were going to open an investigation to see what happened. I called on Friday XX/XX/22 and they said they were still trying to communicate with branch that I deposited the check to and will call me back within the same day. At the end of that same day, I didn't received any calls so I called back and they said they are still waiting and recommended for me to fax a copy of my transaction receipt to fax # XXXX. No idea who this fax belongs to but when I called Citibank back on XX/XX/22 they said they never received the receipt that I faxed on XX/XX/22. On that same day, they said my only option left is to go to the branch where I deposited the check. Now, I live in Connecticut, XXXX hours away from this bank. I just started a new job and I had to take off today XX/XX/22 to go to this branch, bring in my transaction receipt to figure out what happened with the check that I need at this moment badly because I need a new car and been renting cars to get around. I went to the branch and all they said was that there is no records of the deposit in my account, that there is no records of the check and that there is nothing they can do except for me to contact my 401k office and have them re-issued the check. So where did the check go? The teller did confirmed I was there and the check was deposited on that day. So many questions unanswered and all they recommended was call the manager on Tuesday XX/XX/22 because he's on vacation. Now who is going to give back all the time and money I have taken to deal with this situation. Now I have to wait another 3-4wks to get the new check delivered to my apartment in Ny, need to rent a car for another month and then I will have to take another day off from work to go to NY and pick up and deposit the check. This is the worst experience I've ever had with a bank. A bank that I have been using for more than 5 years and a bank that I trusted on!

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 2022-09-01 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: FCI Lender Services Inc.
State: CA

Complaint narrative:
I have a private loan to finance a renovation on an investment property -- FCI is the servicer for this loan. On XX/XX/22, as part of a transaction for a 1031 exchange, I sent in a wire transfer of {$31000.00} to FCI, with instructions to apply this towards the principal of the loan. Instead, they applied this as a series of interest-only prepayments. I have called in numerous times to request that this be corrected, and that the payment be correctly applied towards the principal. Each time, I have been put off and told that the payment servicing department will handle this, but as of XX/XX/22, this is still not corrected. Now that it is the first of a new month, I am concerned that the automatic ACH debits set up to pay for this loan are going to be adversely affected, causing me further inconvenience and potentially increasing the amount I end up paying on this loan.

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 2022-09-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I have been sending disputed about my credit report to all CRAs XXXX, XXXX, & Transuion, about a couple accounts on my credit report. 

They have failed to conduct a reasonable investigation and failed to provide me the completeness and methods of verification for these accounts. 

XXXX XXXX - Charge off Acceptance Now - Charge offs I am now Demanding that the removed both accounts and any inquiries associated with these accounts from all CRAs immediately

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 2022-09-01 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Recently I have noticed some incorrect information on my credit report. I have reached out to Experian, XXXX, and XXXX for more information but sadly have not received any response at all. It has been more than 45 days since I originally wrote them.

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 2022-09-01 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: CA

Complaint narrative:
XXXX XXXX is reporting a late payment on my credit profile and has not complied with the dispute and documents provided to show account was paid with thirty day time period from due date. I have disputed with XXXX directly also and have not heard anything from them.

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 2022-09-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I sent in a dispute letter on XX/XX/2022 in regards to the account XXXX XXXX XXXX  # XXXX being reported by Experian. I did not receive any type of correspondence which validated the account. I do not owe this debt not to mention I never authorized anyone to use my information to obtain this alleged debt.

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 2022-09-01 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: MN

Complaint narrative:
There was a transaction on my card that I did not authorize. The Charge was for {$740.00}. I called the customer service filed a dispute, closed the card and was issued a new one. The card company closed the dispute case and did not find error. I did not authorize this transaction, I pay for cc protection and a monthly fee and they did nothing to get my money back. There was fraud on my card they made me pay to get a new one expedited because my paycheck was deposited the next day so I needed the money but i had to pay {$25.00}, My info was used without my consent and I had to pay {$25.00} to get a new card that is insane. They told me to write a written response to get a provisionary credit to my account for the unauthorized amount and I did so that never happened. The case is closed now and all they keep saying is wait XXXX business days to get the investigation summary sent to my email.

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 2022-09-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
Since XX/XX/XXXX I have been unable to access my Citibank Online Banking. After several calls to the Call Center they told me that my account was under review and after 60 days they were going to send me a letter stating the reason for closure and a check with the funds in the account. The review began on XX/XX/XXXX. After the 60 days I contacted them almost every day, but they do not give me an answer and the operator tells me " I have no info to give you, I will proceed to end the call ''. In some calls, I was told that I would receive the check within 5 days, but it never arrived. In other calls, I was told that they had sent me a wire transfer to the account from where I sent the funds to citibank, but it never arrived. 
My personal banker does not answer my emails and does not answer the phone. 
On XX/XX/XXXX I received an account statement saying that the checking account was closed since XX/XX/XXXX, the same day that a debit was made for " Other Withdrawal ''. The Savings account is not closed, but has a debit with the same date " Other Withdrawal ''. 
In the Checking account I had {$20000.00} and in the XXXX account {$7000.00}. 
I opened the account in XX/XX/XXXX at Citibank in XXXX, XXXX XXXX. The branch at XXXX XXXX XXXX. 
I understand that Citibank can close my account, but what I don't understand is why they won't give me back the funds I had in 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 2022-09-01 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Recently I have noticed some incorrect information on my credit report. I have reached out to XXXX, XXXX, and Equifax for more information but sadly have not received any response at all. It has been more than 45 days since I originally wrote them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
I purchase this car thinking its only XXXX I was so excited Im getting my car but I was rushed to sign due to them prolonging the hours then said I have to hurry up and sign because they about to close I signed thinking I only have to pay XXXX I already but a XXXX down payment. My payments monthly is {$450.00} I asked how much payment I have left I was told XXXX Im so confused of how my car went from XXXX to XXXX and have left XXXX when its only valued at 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 2022-09-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Reliable Credit Association, Inc.
State: AZ

Complaint narrative:
I've been working for the last few months to join the XXXX. my vehicle was repossessed on XX/XX/XXXX, I signed my active military orders on XX/XX/XXXX. The finance company is asking me to pay half of the balance XXXX out of XXXX to reinstate the vehicle and then they will set the account up on scra. According to everything I am reading on your website the account either qualifies for scra or it doesnt, the finance company admitted it does qualify for scra but they wont treat it as scra unless XXXX dollars is paid to them first. This is abusive and unfair practices on behalf of the lienholder. I have requested that they release the vehicle back to me and set it up on XXXX and I will bring the account current and continue to make my payments but they refuse and say I still have to pay the XXXX dollars before they will treat it as scra account. Also they are saying that the vehicle can or may have already been sold at the auction. They are refusing to place a hold on the sale pending the outcome of this complaint.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: TRUIST FINANCIAL CORPORATION
State: MO

Complaint narrative:
A few weeks ago I had an notification email from XXXX saying there was a change to my credit file. I went on there site and found out there was a new account added that I did not apply for. It was from Truist Bank saying I had applied and been approved for a credit card with a {$9000.00} limit. At that time there was a XXXX balance on that account. I immediately disputed that account with them and contacted the bank. I filed a report with them and I asked if that card would be blocked to keep from getting any charges. I was told only that the report would be turned over to the correct department and I would be getting a letter from them also that my SSN had been jeopardized. I have never received anything from this bank. A few days later I was once again notified of a credit change. I went to XXXX website and right away noticed my credit score had dropped by XXXX points and there was an increase in my credit balance. I looked and the individual that got that card had charged over {$1900.00}. I contacted the XXXX and they contacted them and they sent me notification they contacted Truist Bank and that concluded there part. I was notified today that XXXX concluded the dispute and shows supposedly that the information from Truist Bank was correct. I also contacted XXXX today with identity theft concerns and was advised to file a report with the FTC.

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 2022-09-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: SC

Complaint narrative:
Requested refund on student loans payment through cares act. Was told 180 days for refund. Edfinancial is the only servicer saying it will take this long. 180 days is unacceptable!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I made a complaint to Citibank about unauthorized transactions using my card information ( XX/XX/XXXX ). The original complaint included the amount of times I had contacted the company about the unauthorized transactions ( 12 times ) and nothing was done. On XX/XX/XXXX I received a letter from Citibank and the complaint had not been fully resolved in my favor due to the representative leaving important details out. Citibank had declined my request to credit me for the 8 unauthorized charges from XXXX XXXX XXXX totaling {$230.00} because it was from the same mobile wallet used in previous transactions. I had told the representative that during that time I had lost my phone as well as my wallet while I was out. I don't know if the representative heard me but had left out important details about my phone being stolen causing my mobile wallet to be at risk. I managed to call every other card company to fix my issues but Citibank was the only company giving me a hard time. I had not attended any event at XXXX XXXX during that time. I recently have gotten a new phone as my old phone is either lost or stolen. I did not authorize ANY purchases using any phone during that time. As I mentioned in my previous complained I called Citibank to fix this issue and nothing was done for almost an entire month. I do not want to pay for ANY of these unauthorized transactions. 

XX/XX/XXXX {$52.00} XX/XX/XXXX {$16.00} XX/XX/XXXX {$23.00} XX/XX/XXXX {$23.00} XX/XX/XXXX {$54.00} XX/XX/XXXX {$15.00} XX/XX/XXXX {$20.00} XX/XX/XXXX {$24.00}

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 monetary relief
Consumer complaint received 2022-09-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HUNTINGTON NATIONAL BANK, THE
State: MN

Complaint narrative:
I opened an XXXX XXXX Checking in XXXX when there was a {$150.00} bonus promotion after depositing {$1000.00} into the account. Please see attached screenshot. 

Fine print from bank : Open a new XXXX  Checking account using the link below. 
Within 60 days, make deposits totaling {$1000.00}. 
Keep your account open for 90 days. 
Bonus will be deposited to your new account within 14 days of meeting the requirements. 


I met the terms. But still did not get the bonus. So, on XX/XX/22, I contacted the bank. The agent told me that the {$1000.00} deposit has to be in direct deposit. So, they refused the bonus. 
XXXX 's terms are deceptive and they just want to deny me the bonus. The terms say make deposits and no mention of direct deposit. See attached screenshot and the fine print above. 

Please issue the {$150.00} bonus as promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: CNG FINANCIAL CORPORATION
State: SC

Complaint narrative:
On XX/XX/XXXX @ XXXX pm- Called the store and asked what kind of options I have as I have found myself unable to make upcoming payments. Lady ( I think I spoke with XXXX XXXX said there were no grace periods and she didn't know what to suggest. I told her I would try to figure it out. 
On XXXX XXXX I missed their call at XXXX, but called them back at XXXX. My payment was due on this day. Again told the lady there was no way I could make the payment, told her I had one more option I was going to try with hopes of finding out that evening, which I couldn't. I told the lady not to draft my account as it was already in the negative so they didn't need to run any drafts and cause me more unnecessary fees. 

My account is set up for me to manually make my payments, not to draft. 

Monday morning ( XX/XX/XXXX ) I got an alert that my acct had been drafted and upon logging on, I noticed the payment from Check n Go. 

I have no intentions of letting this loan go completely, but I have expressed more than once that I am unable to pay right now. They were told more than once during the phone conversation on XX/XX/XXXX NOT to draft my acct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Alliance One, Inc.
State: AZ

Complaint narrative:
I received a call from AllianceOne, on Tuesday XX/XX/2022 at XXXX am XXXX time, they told me I was in collections with XXXX XXXX XXXX, XXXX which is my XXXX XXXX XXXX. I had not received any notice in the mail and I wasn't sure who this AllianceOne is. I have XXXX XXXX and this was causing me XXXX. They said I needed to make a payment. I said that I would like to settle. The lady said let me check. She said I could settle for {$290.00} XXXX told her I could only afford {$170.00}. I said that I was going to be going bankrupt soon but was trying to settle as many of my debits as possible before that. I gave her a credit card and it was my understanding that I would settle for {$170.00}. I now find out that I was just making a payment. I called back and told my that I have special needs and that I have mental illness and that I was taken advantage of. They said I was never offered a settlement. I then pressed and they said yes the lady did say {$290.00} but that I was not allowed to do that. I feel taken so I requested to talk with supervisor and I got the same lies and that I was never approved for a settlement. Please help me if you can. I thank you. I called XXXX XXXX card and they said it was a payment not a settlement. So I closed the account. They took advantage of a person with special needs.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-01 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: FL

Complaint narrative:
I have contacted the credit bureaus to asked them to do a good review of my credit reports to make sure all reporting to my credit is actually good, they did that, but i did research after they said they did and i found things that are not consistent and also things that does not belong to me. 
Account numbers XXXX, XXXX, XXXX, XXXX in accordance with the fair credit reporting act XXXX the account numbers listed have violated my right 15.u.sc1681 section 602A. section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. I also read on a online information by a lawyer said the credit reporting agency have 30 days to respond or the accounts must be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 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: FL

Complaint narrative:
I have contacted the credit bureaus to asked them to do a good review of my credit reports to make sure all reporting to my credit is actually good, they did that, but i did research after they said they did and i found things that are not consistent and also things that does not belong to me. 
Account numbers XXXX, XXXX, XXXX, XXXX in accordance with the fair credit reporting act XXXX the account numbers listed have violated my right 15.u.sc1681 section 602A. section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. I also read on a online information by a lawyer said the credit reporting agency have 30 days to respond or the accounts must be deleted 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