vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
XXXX deposited a check for just over {$1100.00} in my Citibank account. They then notify me that the check is fraudulentand they close my account. 
THEY THEN CASHED MY CHECK and wont speak to me about getting the funds returned. My legal representative calledthey wont speak to her either. 
SO HOW DO I GET MY MONEY BACK AFTER CITIBANK FRAUDULENTLY CASHED MY CHECK AND WONT RETURN MY MONEY?!!?

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 2022-06-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
My credit card account was closed by American Express after I filed a consumer complaint. Initial complaint took place after unsuccessful resolution in stopping some minor unauthorized charges and fees from being posting to my account. American Express did bring account to positive {$0.00} balance, but closed the account immediately without my consent. I contacted American Express and was told to file another consumer complaint if I want my account restored. So here I am : - ). Unfortunately closing this card costs me credit history in addition to unfair treatment. Any assistance would be great appreciated. Kind Regards, XXXX acct # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18 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: FL

Complaint narrative:
after a check of my credit report i ask the credit bureaus to do a detailed verification of these accounts, all came back verified. after checking, i find multiple inconsistencies and errors with these accounts after they claimed to have did their checks, i also did not authorise in writing that these accounts be posted. 

in accordance to the fair credit reporting act XXXX  account has violated my rights. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. also states a consumer reporting agency can not furnish a 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 2022-06-18 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Acct 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

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 2022-06-18 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Acct 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I made an international wire transfer ( XXXX euro ) with Chase on XX/XX/XXXX, and it says the transaction was completed on XX/XX/XXXX. However, it never arrives at another account. 

On XX/XX/XXXX, I called them and informed them I made a wire transfer, but the other party didnt receive it. 

On XX/XX/XXXX, I sent a secured message, and they were saying they would investigate and help me to recall my funds On XX/XX/XXXX, I went to Bank, and reported my situation, Im hoping everything could sort it out. 

But still, I didnt hear anything from anyone. 
I only want to know where is this money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Acct # XXXX XX/XX/2018 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

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 2022-06-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Back in Nov.of 2011, I used a trial of XXXX XXXX on XXXX. I cancelled the trial through the Tv and screen confirmed. I noticed that the charge kept recurring, along with a XXXX XXXX charge I had disputed. I called both places. XXXX XXXX stated that they had no subscription or monies coming in for me. I tried to get in touch with XXXX, but this can only be done by signing up for a service. It states that the money can be refunded if you cancel the service, but this seems like opening ANOTHER can of worms. I tried again XXXX going to the XXXX XXXX app on my TV, but it states that there is no subscription, so Im not sure who is getting the money. As for XXXX XXXX, its a CA number and after trying repeatedly, I can get no one to answer the phone. I have been trying for months to close this Capital One card via letter, online chat and email. They all said that XXXX cant because of the outstanding dispute. In the meantime, the dispute with XXXX XXXX was resolved and the charges dropped. However, they said I had to wait XXXX days for the origin of the charge for the XXXX to respond. Meanwhile, my annual fee was added to my charges. I called about that and they said to pay it and when the XXXX charge was dropped ( I was assured it would be ) that this would be refunded. I did pay. I was assured XXXX in long phone calls that the charges after XXXX would be dropped and my card would be closed. Now we are almost into XXXX and not only have they not closed my account they say they are still waiting to hear from the origin of the charge for the XXXX, who, by the way, they cant identify!! Of course, I am also being charged a late fee. I am very frustrated. Every time I call I am reassured everything is taken care of, then I get another bill and spend another hour on the phone. Please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-18 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Acct XXXX XXXX XX/XX/2018 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

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 2022-06-18 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Acct XXXX XXXX XX/XX/2018 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
I currently have a Coinbase account in which an unauthorized transaction was made on XX/XX/2022 at XXXX. {$540.00} was taken out of my stored USD Coin which is attached to my Coinbase Visa card. It says it was spent by my Coinbase card but there is no history or merchant that processed this transaction. I submitted a ticket with Coinbase and still have no resolution. Ticket # XXXX. Spent XXXX minutes on the phone with Coinbase support on XX/XX/XXXX where they placed this ticket. They had no explanation or resolution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-18 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: CT

Complaint narrative:
I spoke to an Equifax dispute rep today as well as a supervisor about an account that are still reporting inaccurately on my consumer report. I also explained that the accounts should be deleted as they are inaccurate. Account # XXXX - XXXX XXXX XXXX let me know they could not verify the debt so they requested to delete the trade-line. XXXX and XXXX have deleted XXXX XXXX XXXX. Yet, Equifax has not. Also, while on the phone with a supervisor explaining this at Equifax, I was hung up on. This is far from okay and I will be seeking out a lawyer to address the violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I have contacted Citi Bank on several attempts to try to withdraw my money. A wire transfer was sent to my account to assist me in paying bills. After several attempts trying to connect my ATM card to XXXX of my other mobile apps to make transfers I was denied by the bank. I contacted the bank to let them know that it was not fraud that it was me trying to utilize my ATM card to my XXXX and my cash app. I then went to the ATM machine and was successful to make a few withdrawals but I still needed the rest of my funds in order to complete my bills. So I contacted Citi Bank again to inquire why I was unable to do so. I was informed on my first call that my account is on hold on my second call I was informed its in review on my third call I was informed my count was closed and in 30 days I would receive a letter I called back and inquired about the balance that remain in my account for {$3900.00} I was informed in 30 to 60 days I would get a check and a letter. I called again because I did not receive a check or a letter and I was hung up on. I finally made a call after 63 days and I was inform that I will not be getting the balance that was left in my account of {$3900.00} and no letter was sent.

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 2022-06-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: IA

Complaint narrative:
I was just released from prison on XXXX from the Iowa Department of Corrections. I was incarcerated from XX/XX/2020 until then. During that time my economic stimulus payments were deposited into a account I held with Chime Financial , Inc. During my incarceration I sent written correspondence to XXXX XXXX XXXX, XXXX XXXX XXXX CA requesting access to my funds but never got a response. I then was also provided a address of PO Since being released I have come to find out all my account info has been changed and they say that they closed my account. I then was provided a address of XXXX XXXX XXXX, XXXX XXXX, CA which when I wrote the correspondence came back return to sender - unable to forward. After being released I have been getting nothing but a run around from them and they refuse to give me access to my funds. They keep saying to email XXXX, which they just keep saying send pictures holding IDs which I've done several times and even sent them my proof of being incarcerated. I have requested them to call me and they refuse to do so. I need my funds back as I had deaths in the family and we have no money after that.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Account Management Services, Inc.
State: CA

Complaint narrative:
Date XXXX Account # XXXX Amount XXXX. XXXX XXXX XXXX XXXX. XXXX, due to inconsistencies of dates and information. In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights 15 U S C 1681 Section 602 A States I have a 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.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
According to 15 U.S.C. 1681n ( a ) ( 1 ) any damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; Capital One Auto is in violation of the FCRA, an account can not be reported as " paid in full '' while also reported as a collection/charge-off account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account # 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.

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 2022-06-18 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: AES/PHEAA
State: MI

Complaint narrative:
I have a Consolidation Loan that is serviced by AES. The loan has a subsidized portion and an unsubsidized portion. I am ahead on my monthly payments. I usually make monthly payments of {$460.00} in the middle of the month. Prior XX/XX/2022, AES would apply my monthly payment to both the subsidized and unsubsidized portions of the Consolidation Loan. However, starting XX/XX/2022, AES now only applies my monthly payments to the unsubsidized portion. On XX/XX/2022, I called AES because I noticed that the new method of applying my payments is resulting in a much smaller portion of each payment going toward principal and a much larger portion of each payment going toward interest. I spoke with a customer service representative ( XXXX # XXXX ) who acknowledged the issue and agreed to put in a request to have the allocations from XX/XX/2022 reversed and reapplied using the old method. She also told me that, in order to avoid this from happening again, I could email AES with " standing payment instructions '' to apply my payments the way they were applied prior to XX/XX/2022. I followed her suggestion and emailed AES. AES emailed me back saying I needed to " submit detailed instructions ''. ( An email string showing my email to AES and AES 's response is attached. ) I don't know how to make my instructions any more detailed than the ones that were contained in my original email.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-18 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian, XXXX, XXXX Hard inquiriesXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, this was all pulled and added to my credit bureau without my wrighten consent and has violated my rights of privacy.

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 2022-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
According to my FCRA rights based on 15 U.S.C 1681 Section 602A and 15 U.S.C 1681 Section 604 Section 2, I have a right to my privacy and any consumer reporting agency can not furnish an account without my written instructions and the following have violated my legal rights based upon FCRA. 

XXXX Account # XXXX Dept Of EdXXXX Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXXXXX Chapter XXXX bankruptcy discharged Case # XXXXXXXX XXXX XXXX  Account 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 non-monetary relief
Consumer complaint received 2022-06-18 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: MN

Complaint narrative:
I am requesting the immediate removal of the unauthorized inquiry on my credit report. These do not belong to me. If these are to remain you must provide me proof that these are Factual.

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 2022-06-18 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: Professional Debt Mediation, Inc.
State: CT

Complaint narrative:
I spoke to an XXXX dispute rep today as well as a supervisor about an account that are still reporting inaccurately on my consumer report. I also explained that the accounts should be deleted as they are inaccurate. Account # XXXX - Prof Debt Mediation let me know they could not verify the debt so they requested to delete the trade-line. XXXX and XXXX have deleted Professional Debt Mediation. Yet, XXXX has not. Also, while on the phone with a supervisor explaining this at XXXX, I was hung up on. This is far from okay and I will be seeking out a lawyer to address the violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: IL

Complaint narrative:
I closed a US bank Cash+ Visa secured card on XX/XX/2022. I was told that I should get back my security deposit in the amount of {$1000.00} within 30days. Then I received a account closure confirmation letter from US Bank, showing the account would be fully closed on XX/XX/2022 and the security deposit will be issued. 
Also, I called again to US Bank to make sure this secured card is now fully closed and the security deposit check should be issued and delivered soon. 

However, as of today XX/XX/2022, I do still see negative balance on my US Bank secured card account, because I had return change deposited back to that card and the security deposit check has not been issued yet.

I dont understand why it should take so long EVEN AFTER it passed more than one billing cycle! Please give my security deposit back.

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