vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-04 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: GA

Complaint narrative:
CitiBank stopped granting me access to my account late XX/XX/2020. They closed the account on XX/XX/2020. When I called after the closure, an agent said Citibank would be sending a check out to me. Meanwhile I was never told why my account was closed. Ten business days passed, I still didnt get this check. I called agin, and also complained about not knowing why my account was even closed. I was then told that a letter as to why my account was closed will be sent out to me within 1-3 months. I asked if the check will be included, the representative couldnt say. I was like okay, the check might be included in the reason they will be sending. 3 months passed, I didnt get a letter nor a check. I called again, they said its been sent out to the address they had on file which was surely my right address. I said I didnt get nothing. They said theyll re-issue another one and should get it within 7-10 business days. The days passed again, and I still didnt get nothing. I called and this lady on the phone then said the account was closed because of the information they have on the account is not right that Id have to come to Florida to get it, because I live in Georgia and there is no Citibank branch here. COVID-19 was still on a rapid increase rate at this time. I was like it would be difficult to travel at this time. The person said they would file a claim and then get a check sent out to me. Basically, for the past 7 months Citibank has not given me my money and I kept on getting posted and posted. Now, I would like to take this up legally because Im fed up.

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 2020-09-04 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
American Express is restarting the reporting clock on an account in my name unlawfully. American Express canceled said account in XXXX of XXXX after not receiving a payment since XXXX of XXXX. They charged off this account in XXXX, but they re-reported it as a charge off in XXXX of XXXX and that has restarted the reporting clock with the three credit bureaus. They acknowledge the debt is very old because in the last quarter of XXXX, they began sending letters to my address stating that this account is so old that they can not legally sue me for the account that is in my name. I have not had any contact with them regarding this account in any way shape or form. I do not, nor have I acknowledged this debt belongs to me with them. I have documentation showing that they have not received any payments since XX/XX/XXXX, so therefore that started the clock for the first delinquency because they have never received any form of payment, nor have they had any communication with me since then. The amount that they are still reporting has not changed for years as well, thus also proving that they have not received any payments on this account to lead them to restart the clock as well. I do not acknowledge that this is my debt. I am solely writing this to make a complaint against American Express and to show that they are inaccurately reporting information to the three credit bureaus. I have been denied a housing loan because of this. When they started to report that this account was recently charged off, as opposed to the truth, being that it was charged off in XXXX, it made my credit score drop dramatically. I have disputed this information with the three credit bureaus and they have all stated that American Express  has verified this information. I have plenty of documentation showing that they are falsely reporting delinquency and charge off dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I am supposed to have fraud protection with my credit card with Bank of America. I noticed 3 charges on my credit card on XX/XX/XXXX. One said it was for {$10.00} from XXXX on XX/XX/XXXX, which I did not make and two were for {$75.00} each from XXXX on XX/XX/XXXX in XXXX, TX ( a town over 6 hours from where I live which I have never heard of ). My credit card has been in my possession the whole time. I immediately filed a fraud claim and requested a new card ( which I have never received ). I have since requested another card, which I have also not received. A few days later, I noticed on my statement the charges were credited to my account, but also the  {$10.00} description was changed from XXXX to XXXX XXXX and I realized I did do that charged so I called and asked for that charged to be removed from the fraud claim, which was done. Therefore, the fraud claim is only for {$150.00}. I just checked the mail this morning, XX/XX/XXXX, and received a letter stating that my fraud claim was denied because my chip from my card was used for these charges. I called Bank of America to tell them that is impossible as I have proof that I was in XXXX, TX over 6 hours away at a Dr. appointment that day, and my iphone 's Location Services shows that I was at home the rest of the day. And I had my card in my possession the whole time. A simple google search can tell you how easy it is for people to clone credit cards. The entire purpose of fraud protection is to protect you from having to pay charges when people do things like that.They  said they did not care, and that was not enough proof. I told them to cancel my account since they have not sent me my new credit card anyway, but I still have to pay the {$150.00} balance, which is unacceptable. This also hurts my credit having to close this account as I have had it for 15+ years, which looks good, but since they would never send me a new credit card to use, I need to find a new service anyway. I think they don't like that I pay off my card every month and they don't make any money off of me.

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 2020-09-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CULLEN/FROST BANKERS, INC.
State: FL

Complaint narrative:
This was due to an over drawn back account was on my credit report for over 4 years with the same amount owed of {$4100.00} This amount was given on Cashier ; s Check with Restrictive Endorsement that the bank agreed with by cashing the check and not returning it! After the payment the bank slapped other {$2200.00} and did not live up to the agreement of the Restrictive endorsement that they signed and cashed, When I called the Bank the bank told me to talk to the Attorneys office on this matter? The bank had the attorneys office call me I explained too two different individuals at the law firm that they already Settled the case by casing the Restrictive Endorsement the Attorneys office said OH we have to reach out to the bank? The Attorneys office emailed be Back with this  Statement? 
Thank you, sir. 



I appreciate your briefing. However, the bank disagrees with your position. We are open to settling the remainder of the claim for {$3300.00} due by XX/XX/2020. You will have to forward payment to our office, not the bank, but payable to Frost Bank. 



Respectfully yours

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am an international student and I received my Social Security Number in USA in XX/XX/XXXX and in XX/XX/XXXX I misplaced my Social Security Card, after which, some suspicious activity was reported on my CREDIT REPORT : FRAUDULENT OPENING OF XXXX  XXXX XXXX XXXX  ACCOUNT.I am a victim of identity fraudulent activity as I did not open this account. I am requesting that the account to be removed from my credit report and that I receive an accurate statement. I had disputed this issue with XXXX XXXX bureau and the investigation says that the information on the account is VERIFIED AS ACCURATE. The account is visible on my CREDIT REPORT which are impacting my credit score a lot. As i am an International student, it is getting very difficult for me to apply for loans, get a car and an appropriate insurance as my credit score is being majorly affected by this Fraudulent activity. I am requesting that these items be removed from my CREDIT REPORT to correct the information. Please investigate this matter and provide me with an Federal Trade Commission Report so i can send it to the bureau in order to remove the accounts on my credit report as soon as possible Thank you, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am an international student and I received my Social Security Number in USA in XX/XX/XXXX and in XX/XX/XXXX I misplaced my Social Security Card, after which, some suspicious activity was reported on my CREDIT REPORT : FRAUDULENT OPENING OF XXXX  XXXX XXXX XXXX ACCOUNT.I am a victim of identity fraudulent activity as I did not open this account. I am requesting that the account to be removed from my credit report and that I receive an accurate statement. I had disputed this issue with XXXX XXXX XXXX and the investigation says that the information on the account is VERIFIED AS ACCURATE. The account is visible on my CREDIT REPORT which are impacting my credit score a lot. As i am an International student, it is getting very difficult for me to apply for loans, get a car and an appropriate insurance as my credit score is  being majorly affected by this Fraudulent activity. I am requesting that these items be removed from my CREDIT REPORT to correct the information. Please investigate this matter and provide me with an Federal Trade Commission Report so i can send it to the bureau in order to remove the accounts on my credit report as soon as possible Thank you, 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 explanation
Consumer complaint received 2020-09-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
On Monday XX/XX/2020 I requested my bank ( XXXX XXXX XXXX XXXX  ) to wire transfer {$10000.00} to my account with XXXX/Wells Fargo ( see attached wire conformation ) and the money never made it to my account. Both XXXX and XXXX XXXX XXXX XXXX and my self have been trying to get Wells Fargo to respond and or return my {$10000.00} with no luck. Wells Fargo has refused to talk to any of us when we have called them. Wells Fargo has not returned any of our phone calls, email or by wire communication back to XXXX XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04 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: NJ

Complaint narrative:
I have attached copies of my file from XX/XX/XXXX and XX/XX/XXXX of this year. XXXX XXXX had reported the account as being 30 days late one time in XX/XX/XXXX ( on the XX/XX/XXXX report ). But as you can see on the XX/XX/XXXX report, the account now shows a series of delinquency from XXXX through present with the existing status of 120 days delinquent. The report date of the item in question is XX/XX/XXXX and XX/XX/XXXX respectively. 

I disputed this with the bureaus who sent it to XXXX XXXX. XXXX XXXX   provided the attached letter indicating that indeed the account was only late in XXXX and that is how they reported it to the bureaus. 

I spoke to a credit bureau representative who provided the standard : " We are not arbitrators. If XXXX XXXX sends us the data, we report it ''. 

I am stuck in a loop on this. The error ( either at XXXX XXXX XXXX  reporting or on the bureau level ) is costing me thousands of dollars in financing fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My identity was stolen, and an account was opened with XXXX using my Social Security Number, my middle Initial and my Second Surname, I received a Notice dated XX/XX/XXXX from a collection agency claiming that I owe over {$2400.00} to XXXX. The Notice shows my first name, and my Second Surname ( without showing my legal Last Name ), and without disclosing the creditor 's account number. 

XXXX Credit Report dated XX/XX/XXXX, shows the XXXX XXXX credit inquiry on XX/XX/XXXX. 

TRANSUNION Credit Report dated XX/XX/XXXX was issued in two names : 1 ) my full legal name, and 2 ) my first name, my middle initial, and my Second Surname ( without showing my legal Last Name. ). IT SHOULD BE NOTED THAT MY SECOND SURNAME WAS REMOVED FROM MY FULL NAME OVER 51 YEARS AGO, ON XX/XX/XXXX BY THE US DISTRICT COURT IN XXXX, NY. The Credit Report also shows that XXXX opened an account using the Second Surname on XX/XX/XXXX ; the account was closed on XX/XX/XXXX and is in collection. 

As I am a senior citizen ( almost XXXX years old ) and seldom use credit, I tried to protect myself against this type of fraud by placing Security Freezes with XXXX  on XX/XX/XXXX and with TRANSUNION on XX/XX/XXXX, which I never lifted. 

I am a victim of financial fraud. I have been financially harmed because my credit information was negligently released on XX/XX/XXXX to XXXX, WITH WHOM I DID NOT HAVE AN EXISTING ACCOUNT. This was done without my consent and without regard to the Security Freezes that I placed over 13 years ago on all my credit files. 

I have informed XXXX, TRANSUNION, and XXXX of the above and have filed an Identity Theft Report with the Federal Trade Commission.

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 2020-09-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
To Whom It May Concern : On XX/XX/2020, XXXX, TransUnion, and XXXX  are reporting inaccurate and unverifiable information on my credit report. Please see accounts and its details below that are deemed incorrect on my credit files. 

FOR XXXX  1. you are reporting 3 different dates of last activity/Date of last payment/and Date Open XXXX XXXX   Account Number : XXXX Delete this account for reporting inaccurate information. 
2. I was never late on this account XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
3. the date 's of last activity are inaccurate XXXX XXXX XXXX   Account Number : XXXX Please remove this inaccurate information from my credit report. 
4. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

FOR XXXX  1. you are reporting 3 different dates of last activity/Date of last payment/and Date Open XXXX XXXX   Account Number : XXXX Delete this account for reporting inaccurate information. 
2. I was never late on this account XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
3. the date 's of last activity are inaccurate XXXX XXXX XXXX   Account Number : XXXX Please remove this inaccurate information from my credit report. 
4. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

FOR TransUnion 1. you are reporting 3 different dates of last activity/Date of last payment/and Date Open XXXX XXXX   Account Number : XXXX Delete this account for reporting inaccurate information. 
2. I was never late on this account XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
3. Validate Account XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item.

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 2020-09-04 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: GA

Complaint narrative:
To Whom It May Concern : On XX/XX/2020, XXXX, XXXX, and Experian are reporting inaccurate and unverifiable information on my credit report. Please see accounts and its details below that are deemed incorrect on my credit files. 

FOR XXXX  1. you are reporting 3 different dates of last activity/Date of last payment/and Date Open XXXX XXXX   Account Number : XXXX Delete this account for reporting inaccurate information. 
2. I was never late on this account XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
3. the date 's of last activity are inaccurate XXXX XXXX XXXX   Account Number : XXXX Please remove this inaccurate information from my credit report. 
4. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

FOR Experian 1. you are reporting 3 different dates of last activity/Date of last payment/and Date Open XXXX XXXX  Account Number : XXXX Delete this account for reporting inaccurate information. 
2. I was never late on this account XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
3. the date 's of last activity are inaccurate XXXX XXXX XXXX   Account Number : XXXX Please remove this inaccurate information from my credit report. 
4. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

FOR XXXX  1. you are reporting 3 different dates of last activity/Date of last payment/and Date Open XXXX XXXX   Account Number : XXXX Delete this account for reporting inaccurate information. 
2. I was never late on this account XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
3. Validate Account XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item.

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 2020-09-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
THIS COMPLAINT IS NOT DONE BY ANY THIRD PARTY AS YOU SAID IN MY LAST COMPLAINT. IT IS DONE BY ME, XXXX XXXX XXXX and Experian are fraudulents on my accounts : XXXX   XXXX  is fraudulent on my credit Account # XXXX XXXX  is fraudulent on my credit Account # XXXX XXXX/XXXX  is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX/XXXX/XXXX  is fraudulent on my credit Account # XXXX XXXX XXXX XXXX  XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # 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 2020-09-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have attached copies of my file from XX/XX/XXXX and XX/XX/XXXX of this year. XXXX XXXX had reported the account as being 30 days late one time in XX/XX/XXXX ( on the XX/XX/XXXX report ). But as you can see on the XX/XX/XXXX report, the account now shows a series of delinquency from XXXX through present with the existing status of 120 days delinquent. The report date of the item in question is XX/XX/XXXX and XX/XX/XXXX respectively. 

I disputed this with the bureaus who sent it to XXXX XXXX. XXXX XXXX   provided the attached letter indicating that indeed the account was only late in XXXX and that is how they reported it to the bureaus. 

I spoke to a credit bureau representative who provided the standard : " We are not arbitrators. If XXXX XXXX sends us the data, we report it ''. 

I am stuck in a loop on this. The error ( either at XXXX XXXX 's reporting or on the bureau level ) is costing me thousands of dollars in financing fees.

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