vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Veem  Inc.

Complaint narrative:
I had a terrible experience with the customer service and found the platform unreliable. I faced issues with every transaction : first, I couldn't send an invoice, and second, my money {$320.00} USD - XXXX XXXX, XXXX didn't reflect in the account despite it showing as completed and deposited. I communicated with XXXX via email, but her responses were unclear. Additionally, the advertised 24/7 support is misleading. Their chat kept saying that support is not available during weekend even when obviously its weekdays and their hotline is just bot.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
The credit furnishers and creditors are replying back the information is verified. After I submitted my complete and accurate identity theft report, IRS identity theft affidavit, someone filed taxes in my name. A copy of the police complaint. If someone has stolen my identity then my information can verify. Where is my protection as a consumer?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
On behalf of case # XXXX. I was denied credit for certain reasons. The reason for my denial was because of inaccurate information on my consumer credit report from XXXX XXXX . I disputed the inaccurate information. I was denied because of to many inquiries. My updated consumer report shows my accurate up to date information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally lodge a complaint regarding the inaccurate reporting of account XXXX on my credit reports, which is in clear violation of the Fair Credit Reporting Act ( FCRA ). It has come to my attention that TransUnion is reporting an account that was to be removed XX/XX/2023 and the creditor has confirmed this. This discrepancy not only undermines the credibility of the information but also violates my consumer right to have a fair and accurate credit report. Furthermore, I must highlight that XXXX and XXXX have already deleted this account from my credit report. Therefore, the inclusion of this account by TransUnion constitutes false reporting. As such, its continued presence on my credit report is not only erroneous but also damaging to my creditworthiness and financial reputation. Should you persist in your non-compliance and failure to rectify this situation promptly, please be advised that I am prepared to take legal action to seek relief and monetary damages under FCRA Sections 616 and 617. I am diligently documenting all communications and actions taken in this matter for this purpose. I hereby demand the immediate removal of account XXXX from my credit reports maintained by TransUnion and XXXX. I expect confirmation of this action within 7-10 days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
WHY MY 12-DIGIT HOME LOAN NUMBER WERE CANCELLED OUT AND IMPROPERLY DIGITALIZED FROM XXXX TO XXXX THEN TO XXXX JUST DOING A REFINANCE THEN TO A LOAN NUMBER XXXX AS A CONVENTIONAL LOAN? VA LOAN GIVEN BY THE VA HAS UNIQUE LOAN NUMBERS FOR PROCESSING LOANS TO LENDERS. LETTING THEM KNOW THAT IT`S A SPECIAL LOAN FOR STANDALONE PROCESSING. LIKE GIVING A SECRET CLEARANCE TO A PERSON IN THE GOVERNMENT. AND THAT NUMBER STAYS WITH THAT INDIVIDUAL FOR LIFE AND CAN NOT BE TAKEN AWAY. MY VETERAN PREFERENCE IS FOR ME TO HAVE THIS BENEFIT. AND YOU AS A LENDER JUST TOOK THAT AWAY FROM ME CAUSE I WANT A HOME FOR MY FAMILY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 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: CA

Complaint narrative:
I had a checking and saving account in Citi Bank. Citi closed my these two accounts on XX/XX/. But, up to now, I have not received any funds from these two accounts. I called Citi Bank several times where is my funds. But, no any response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
TransUnion has lied to me numerous of times stating they did not receive any of my documents, when I have been submitting the documents through the Cfpb, this is my last attempt to resolve these matters about the unauthorized inquiries on my consumer file, TransUnion has been negligent to comply with the fair credit reporting act and does not have permissible purpose to furnish such information including the XXXX inquiries. ( Please see ALL supporting documentation to resolve these matters ) I have spoken with a specialist from transunion name XXXX who stated transunion did NOT receive my complaint submitted XX/XX/XXXX regarding the inquiries on my consumer file, when they actually responded to the complaint. Transunion has not been telling the truth and I shall seek punitive and statutory damages regarding the failure to comply with the fair credit reporting act and failure to resolve these matters ( SEE ALL ATTACHMENTS )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
on XX/XX/2024 navy federal closed my account no text, call or email was sent prior to the event at hand. there was one email saying the account was closed temporarily. but upon calling the account was closed permanently. initially i was shocked and stressed because I have a good relationship with this bank my office space rent comes out of my account each month along with other things. I speak highly of them especially helping clients build credit. Now I was unaware that this bank was not 1099 friendly. on XXXX XXXX XXXX XXXX XXXX XXXX sent me a XXXX  of XXXX ( which did not deposit ) into my account the intent for this was for promo and marketing. which is just XXXX of the many duties i have there I am a XXXX 1099 employee with this company which is only a seasonal gig XXXX - XXXX XXXX & XXXX are busy for this company due to benefits ending and then starting right back up XX/XX/2024. I've reached XXXX  transaction many times before with this company and now its the reason my account closed. I spoke with the manger over payments and they said everything good on there end nothing was flagged they offer to make a statement on my behalf.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
Subject : Dispute of Unauthorized Credit Inquiries To Whom It May Concern, I am writing to dispute certain inquiries listed on my credit report. Upon reviewing my credit report, I noticed several inquiries that I did not authorize or recognize. The inquiries are as follows : Bureau : Transunion Creditor/Furnisher : XXXX XXXX Status : In Dispute Bureau XXXX Transunion Creditor/Furnisher XXXX XXXX XXXX Status : In Dispute Bureau : Transunion Creditor/Furnisher XXXX XXXX XXXX Status : In Dispute Bureau : Transunion Creditor/Furnisher : XXXX XXXX Status : In Dispute Bureau : Transunion Creditor/Furnisher : XXXX Status : In Dispute Bureau : Transunion Creditor/Furnisher : XXXX XXXX Status : In Dispute Bureau : Transunion Creditor/Furnisher : XXXX XXXX  Status : In Dispute Bureau : Transunion Creditor/Furnisher : XXXX XXXX Status XXXX In Dispute Bureau : Transunion Creditor/Furnisher : XXXX XXXX : In Dispute Bureau : Transunion Creditor/Furnisher : XXXX XXXX Status : In Dispute

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
On or about XX/XX/XXXX I went into a local Chase Bank branch to open up a business checking account, for my newly formed XXXX. The XXXX was formed in the state of Connecticut named XXXX, XXXX. The XXXX uses a DBA of XXXX XXXXXXXX XXXX. 

The IRS registration forms showed the XXXX had a DBA of XXXX XXXX XXXX Shortly after opening the account, Chase contacted me saying they needed a trade certificate name for the DBA. I reviewed Connecticut statutes and followed instructions, showing the DBA had to be filed in the town of which the business resided in. Chase gave me until the end of XXXX to supply this document and on XX/XX/XXXX I submitted the Certified, notarized and filed trade certificate name document to them.

I did not hear anything from Chase Bank until I went to use my account on XX/XX/XXXX and found my account frozen. I contacted Chase and they told me my account was frozen because they thought the trade certificate name was filled out incorrectly. I contacted my town in which I certified, notarized and filed the document, and they confirmed the document was completed correctly. I contacted Chase Bank again and they now informed me that I needed to do an assumed name certificate with the state of Connecticut. I then contacted the state of Connecticut to find out the normal procedure in the state of Connecticut is to file a trade certificate name with the town in which the business is located in. Which is exactly what was done. There are no assumed name certificates filed on the state level.

I contacted Chase Bank again and this time I was told that the trade certificate name was not signed or notarized correctly and they were closing my account and if I wanted to reapply for another account I would have to wait 10 to 14 days. 

It seems theyre compliance department is completely incompetent and unfamiliar with state laws in Connecticut XXXX They have caused hardship and aggravation and a lot of my time to apparently be coming up with excuses as to why they would not release my funds to be used in the account. 

It took me weeks to open the account, set up vendors, bill pay and establish all the normal business connections with this account, simply for them to freeze my account, and then close it on me for no good apparent reason.

Im looking to not only have this complaint go on record for their unprofessionalism, but would like to be compensated for my time, aggravation and effort that was not necessary due to their shortcomings and lack of professionalism.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I, XXXX, XXXX XXXX, federally protected consumer, has placed numerous complaints with Experian Information Solutions throughout the year via CFPB about the inaccurate reporting of non-public information.As a federally protected consumer, I have a right to privacy. The continuous sharing of inaccurate, non-public information to my consumer credit report without my expressed written consent to my consumer credit report has been ruining my reputation and is identity theft.

According to 15 U.S.Code 1681c-2, this is my official statement that all the listed accounts have been reported without my expressed written consent and therefore is a result of identity theft and must be removed. These accounts are not related to any transaction made by me, the consumer.

Please See Attached Documents which include the following : Exhibit A : Affidavit of Truth/ Cease and Desist Copy of Experian consumer report Opt Out Confirmation ( s ) Identity theft report Passport Card ( Identification )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Transunion is displaying inaccurate and fraudulent information on my credit report. I have disputed the items and asked to be provided with validation letters with my signature. I have also contacted the other parties requesting debt validation and nothing has happened. 

My only Name is and has been XXXX XXXX XXXX my ONLY address is XXXX XXXX XXXX XXXX XXXX in XXXX TransUnion is reporting XXXX XXXX XXXX XXXX on my report. Also, they have failed to provide my accurate and Only information on my report. again my only name is the showed above and i have provided legal documents showing my one and only name along with my one and only address. they have 3 different names on my report and neither names match the name provided my XXXX XXXX XXXX XXXX 

All of this companies have failed to validate produce any information signed by me with my only name that I already provided. it has been more than 90 days since I requested this information and they have yet to provide it. they claim that the information comes back as " VALIDATED '' but again I have yet to see a paper with my signature that I owe any of the creditors mentioned above.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-29 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: GA

Complaint narrative:
On the morning of XX/XX/24, we tried to have money wired from Citibank to an attorney 's office for closing on a house. Why had originally planned to use another institution for this, due to Citibank 's reputation, however the night before, without notification, Citibank chose to invalidate a check to our other bank, hours before it would have cleared, despite having had six days to process it. No explanation was ever given as to why Citibank clawed back these funds from our other bank account. The amount of money we needed to transfer was in excess of the {$50000.00} wire limit and when we called to try to bypass this limit we were told that the only way to do so would be to upgrade our account to one with a higher minimum balance requirement. We were, however, assured that the transfer would be completed by XXXX XXXX  that day if we did so. This is still an excessive amount of time for a wire transfer, considering that just that morning XXXX XXXX had been able to do a wire in under an hour. 

When we subsequently called to try to check on the status of the transfer, we were told that it would take " four to eight hours '' ( later we were told 24-48 hours, which is probably what was meant originally, but the call center in XXXX had XXXX call quality ) and there was no way to speed this up whatsoever. We were given no explanation as to why an alternative timeline way given. Upon escalating the call we were told they would prioritize our transfer but still given the same timeline and no explanation as to why the timeline had changed. The Citibank representatives suggested we could use a check, XXXX, or ACH transfer to move the money sooner, which is not how closing on a house works in the US, though I do have sympathy as the laws and customs are likely different in XXXX, where the representatives live. 

We are writing this more than 24 business hours later ( plus a weekend ) and the prioritization seems to likely have been a lie as the funds are still in the " pending '' stage, apparently not having even begun processing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To Whom It May Concern : I recently received a copy of my credit report. The credit report showed unfair credits acts by companies that I do not recall authorizing. I understand that they shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit 16 CFR 313 433. 2, 16 CFR 313 433.3, 16 CFR 433.1. Par the FCRCA as a federal protect consumer I am now opt-out of any and all authorization I the consumer may have given you written unwritten verbal and nonverbal and it is infective immediately and indefinitely stop reporting the utilization but keep it usage on the report par 15 U.S.C. 6802, 15 U.S.C. 6803, 15 U.S.C. 6804, 15 U.S.C. 6805 I've listed the third party companies names They are a third party companies, It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. I want to be compensated for the violations {$1000.00} per violation and Pain And Suffering, Humiliation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Albert Corporation
State: NM

Complaint narrative:
I never intended to use this account for savings, I wanted to use it as a short term loan. They didnt offer me a loan. However, with {$80.00} in my bank account their genius felt like I was in a good position to invest money. They took {$11.00} from my checking account. Getting it back has been a horror. It took 5 days for it to clear once initiated - but they initiate with no delay, it is getting the money back that they prevent. I initiated a withdrawal on XX/XX/XXXX with a few hours before it should have been batch processed through the ACH and sent to my bank at XXXX XXXX Eastern time on XX/XX/XXXX. However they did not initiate it. I asked them via chat several times ( because they dont have call in support ) - it took several hours to get responses. They keep saying it takes 2-3 days to clear- which is true- but this is AFTER INITIATION. 
It is now Monday XX/XX/XXXX at XXXX XXXX Eastern time and they STILL HAVE NOT INITIATED the withdrawal. 
Again my text to support has resulted in waiting HOURS FOR A REPLY and getting the same generic 2-3 business days for a withdrawal completely ignoring that this is AFTER INITIATION. 

To cancel the account there must be a {$0.00} balance and no pending transfer. It is my contention that Albert illegally delays withdrawals/ transfers to : 1. Illegally profit off of the interest ; 2. Precent people from closing their account when they would like to, thus forcing a {$14.00} a month payment Many things they are doing are illegal and this company should not be allowed to operate. I am waiting currently HOURS again for a text response which Im sure will be that withdrawals take 2-3 days completely ignoring my question of why it hasnt been intitiated I will pursue a class action Please see my attachment- the withdrawal I initiated at XXXX XXXX Eastern time on Friday XX/XX/scrub>XX/XX/XXXX still has not been initiated by Albert as of XXXX XXXX on Monday XX/XX/XXXX It should have been batches through ACH at XXXX XXXX eastern on XX/XX/XXXX. It was not. It should have then been initiated at XXXX XXXX on XX/XX/XXXX and it was not. This is nothing short of THEFT

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
Region Bank fail to provide full and clear evidence disclosing the transaction details of the determination upon the claims apart of the dispute notice. XXXX XXXX  provided transaction details that didn't carry out full procedure of properly handling an investigation in accordance to The Electronic Fund Transfer Act of the notice of error of the dispute. 

1. Violation of the Electronic Funds Transfer Act, Regulation E ( 12 C.F.R. 205 ), Unauthorized Transactions 2. Violation of the Electronic Funds Transfer Act, Regulation E ( 12 C.F.R. 205 ), Explanation of Findings Bank is also in violation for breach of contract for selling consumer banking transactions to third parties.

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