vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
My complaint is for Citibank, and this is my first complaint in 17 years after happily using multiple bank services. 

XXXX ) I opened my business account with Citibank sometime in XXXX or XXXX because of their promotion for new business accounts. 
XXXX ) I never used this account regularly. In XX/XX/XXXX, I needed all the money I could get and thought about closing this account with Citibank and withdrawing my funds. 
XXXX ) I tried using XXXX to transfer my funds out of this account, and at that point, Citibank removed my access online because of the fraud alert. They never contacted me to check this alert and help me with it. 
XXXX ) So I called them in XX/XX/XXXX to close my account ; while I did not get statements, do not have my account number since my online access was taken away. They looked it up with my SSN and said they had sent the request, and I will get the check to my mailing address, and the account will be closed in 7-10 business days. 
XXXX ) I kept waiting and calling them every month and hearing that the request was cancelled for some reason, but they would never communicate this. 
XXXX ) On top of all these, they started charging me from XX/XX/XXXX a {$40.00} maintenance fee, and I was told that I changed my account type to a higher performance account, which is why I see these charges - absurd, ridiculous at this point. 
XXXX ) Agent said approx, on XX/XX/XXXX, call that she could only reverse 2 charges but made sure she would call me personally if I didn't get the check-in in 14 days and the account was not closed. She also confirmed that I would not get the {$40.00} charge anymore, which was wrong in the first place. Not sure who authorized them to change my account type or start charging me. 
XXXX ) On XX/XX/XXXX, I again saw that {$40.00} was debited for the maintenance fees and today, XX/XX/XXXX, I am still waiting to hear back from Citi, get my money after 10 months of back and forth with them, and my account is still open. 
XXXX ) I have spent 15+ hours talking to Citi about this, and I am tired now. I do not have any branches in my city and can not stop by and discuss it with a branch manager. 
XXXX ) I felt to create my account on cfpb today and report this so that I and many like me can get help and banks do not take our money and accounts lightly. 

I hope to get some help and get this resolved soon.

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 2022-11-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Trident Asset Management, L.L.C.
State: LA

Complaint narrative:
I have been requesting this company provide me with validation of this alleged debt for clarification but I have not yet gotten any information as yet. I want to know what information your company obtained to see if it's legit. I never authorized anyone to share my information especially when it's regarding my medical information so please send me validation and send by attaching them to your response. please note that I don't ask for verification but a validation containing the information listed in the letter

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmerAssist A/R Solutions, Inc.
State: IL

Complaint narrative:
The consumer is here to dispute any alleged claims that you are currently listing as a consumer debt on the consumer 's credit report as a federally protected consumer. 
In accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), the Consumer is asking you for validation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I financed a car. I tried several times to get the dealership to fix the car. They put it in the shop XXXX times and didnt fix the problem. I broke down in the car so I had it towed to a XXXX dealership where they told me that the car needed a timing chain. I bought the extended warranty at the dealership when I signed the loan. The warranty company refused to fix the car with the excuse that I didnt have an oil change receipt but the fact is I only put a total of XXXX miles on the car and the dealership supposedly did an oil change on the car when I bought it. The car did get repossessed but I feel the dealership and the warranty company were and still are using fraudulent tactics

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX  has 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 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: AL

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 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 2022-11-10 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:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 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 2022-11-10 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Click n' Close, Inc.
State: AK

Complaint narrative:
1st Tribal Lending denied my COVID HUD Forbearance application because I didn't send in an extra copy of the application. Then in XXXX of 2021 we had water damage and our insurance sent them a check and we paid the contractor out of pocket because we " thought '' the funds they received from our insurance claim would be added to our mortgage balance due because we could not pay our mortgage due to XXXX. Then we were/are approved for XXXX funds and they will not respond to our XXXX representative when she told them we have $ XXXX in funds available. They denied us for their mortgage assistance program and now we are in Foreclosure. I don't understand how they can hold on to our insurance money, deny us assistance, and deny XXXX funds on our behalf. I work for a housing authority and this is unheard of!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I am requesting an updated address and name information on all three credit bureaus.I 've contacted each credit bureau individually via phone and postal mail services with no resolution. The inaccurate information has caused a financial blockage which has added additional stress to my day-to-day life post-pandemic. With limited access to resources, I am currently living house to house with loved ones as I attempt to survive.

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 2022-11-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FISERV FINXACT CORE
State: PA

Complaint narrative:
I received multiple calls and computer speaks about this {$40.00} bill. then they hang up. I receive a letter today XX/XX/2022 after 2 weeks of the ongoing phone computer calls. It says XXXX XXXX. I have no Idea who this is. I have no recognition what this company does or where they are. I filed bankruptcy in XXXX. So, I am Disputing this crazy bill. It is not mine.

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 2022-11-10 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: TX

Complaint narrative:
On XX/XX/XXXX Equifax and on XX/XX/XXXX XXXX reported that i had a missed payment from XXXX  XXXX XXXX  Which caused me to lose XXXX points. XXXX XXXX XXXX  has sent the proof that i never received any late payment but its still on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: IL

Complaint narrative:
The consumer is here to dispute any alleged claims that you are now listing as a consumer debt on the consumer 's credit report as a federally protected consumer. 
In accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), the Consumer is asking you for validation ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 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: AL

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

FOR XXXX XXXX - XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX FOR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX FOR TRANSUNION XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.

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 2022-11-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAC Financial Corp
State: NM

Complaint narrative:
Debt collector : CAC Fincial Corp., XXXX, XXXX XXXX  # XXXX, XXXX XXXX, OK. XXXX ( XXXX ) XXXX XXXX. 

This appears to be a scam ; as the company ( XXXX XXXX ) it is representing does not do business in NM, I had no medical appts much less radiology. {$11.00}. 

I do not want to answer them to avoid furtherance of their scam. False dates : bill acrued on XX/XX/22 ; Sent out for collection XX/XX/22 for {$11.00}. Acct # : XXXX They make these small claims to many to make their money ; as they expect people to pay versus the alternative. How many NM citizens have received this??? 
Thank you for your attn to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I received a charge with {$80.00} purchase from XXXX thats reflected in my Capital One Account from Ohio. 
I live in Florida and I have never visited Ohio. 

I called Capital One, they state that the chip was used and theres no way they will pay those {$80.00} because it was made from my credit card. 

This is super unfair and I just- I have not purchased anything from XXXX and not even in Ohio

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-10 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: PA

Complaint narrative:
XXXX has removed an late payment that was in error from my closed account however stated they can not report the updated report to credit bureau

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 2022-11-10 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
There were XXXX transactions totaling {$2400.00} on my account between XX/XX/XXXX and XX/XX/XXXX, using XXXX, XXXX, and XXXX. 

As soon as I found out those transactions I notified to the bank immediately and closed the card sent me a new one. 

After 2 month they denied my dispute. 

First the bank didnt notified me when they see all that crazy transaction, that called unusual transactions. 

Secondly, they let the fraudulent to use the account over the limit. Who does that? 

Third they messed up my credit for over usages.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: VW Credit
State: FL

Complaint narrative:
In XXXX of 2020 I purchased XXXX vehicles from volkswagen of XXXX XXXX XXXX.On this date this company was in violation of 15 usc 1605 ( a ) 1-5.Definition of finance charge.This finance charge was never explained nor used as it should be, and I as a creditor extending my credit and as a consumer was violated according to this law.truth In lending act was never followed and this company committed fraud in accordance to 15 usc 1605 1-5 ( finance charge ) and 15 11611 1-3. ( willlful and knowing violation ) .15 usc 1605 ( a ) states, '' the finance charge shall not include charges of a type payable in a comparable cash transaction '' .this company has been charging me and took a down-payment when I bought the vehicles when my extension of credit has already purchased the vehicle according to law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 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: GA

Complaint narrative:
In Accordance with the Fair Credit Reporting Act. The list of accounts below have violated my Consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XXXX ( Bank ) XX/XX/XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX 1681 Section 602 A States I have the right to privacy. 15 U.S.C. 1681 Section 604 A ( Section 2 ) States A consumer reporting agency can not furnish an account without written permission. 15 U.S.C. 1681c. ( a ) ( 5 ) States that as a consumer reporting agency you can not furnish a consumer report containing any adverse information other than records of conviction of crimes in which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.

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 2022-11-10 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
My mother died XX/XX/2022. 
I and my brother are the sole named beneficiaries in the will to inherit the house that has a Home mortgage note of about {$45000.00} and a Prime Equity note of about {$180000.00} held by Wells Fargo Bank , N.A . 

I have sent all Death Certificates, Wills, Affidavit of next of kin and requisite information to Wells Fargo yet they refuse to recognize me as the term they use " confirmed successor in interest ''. 

My rights to assume the mortgage by the XXXX XXXX XXXX XXXX are being denied and I will soon pursue litigation should they not be immediately recognized. 

My rights under the Truth in Lending Act and Real Estate Settlement Procedures Act are likewise ignored. 

This is a clear pattern of systemic fraud on behalf of Wells Fargo of pretending to attend to your rights as a beneficiary while in parallel foreclosing on a home.

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 2022-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
See ATTACHED reponse from me on the matter below ase number : XXXX Account number ending in : XXXX Dear XXXX XXXX XXXX : Thank you for your patience while we looked into your concerns. Weve completed our research and are ready to share our findings. 

Upon receipt of your inquiry, the Consumer and Small Business Executive Office also reviewed this dispute. While it is disappointing to learn that you may have been the victim of a fraud scheme, we agree with the decision previously communicated to you by our Claims Assistance Center. Because the transaction was made by you we are not able to follow up with the merchant on your behalf. We recommend you contact the merchant directly to resolve the issue.

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 2022-11-10 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: CA

Complaint narrative:
In proper use of my credit reporting 1. 15 usc 1681 section 6028 states I have the right to privacy. 2. 15 usc 1681 section 604 section 2 I also state a consumer reporting agency can not furnish your account without out my written permission. 3. In accordance with the fair credit report act XXXX account number has violate my rights.

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