vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
There is no proper category. 

I am Citi bank Accelerated savings account. Number for last 4 digits as XXXX. Name XXXX XXXX. They had a promotion code and now they do not honor the terms of the marketing promotion. Promotion XXXX. account was opened on XX/XX/21. I talked to them on different dates to find when XXXX XXXX ( remaining XXXX miles ) will be credited to my XXXX  account. No 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 non-monetary relief
Consumer complaint received 2022-04-18 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of account inquiries below have violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXXXXXX XXXX date XX/XX/XXXX and XX/XX/XXXX XXXX  date XX/XX/XXXX XXXX XXXX date XX/XX/XXXX 15 USC 1681 Section 602 A States I have the right to privacy 15 USC 1681 Section 2 : It also states a consumer reporting agency can not furnish an account without written consent.

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 2022-04-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
Citi Bank should have closed my savings account in XXXX when requested. It is still open and they are charging service 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 explanation
Consumer complaint received 2022-04-18 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
On XX/XX/2022, I received a notification from Experian that my email address has been modified. Following that email I tried to log into my Experian account and received an error message that my log in credentials has changed. 

I've contacted Experian and was not able to resolve this issue. I can no longer get into my account and there is no way to reach a specialist according to their automated system.

Experian I believe are involved or hacked into.

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 2022-04-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FRESNO CREDIT BUREAU
State: CA

Complaint narrative:
There is an item on my credit report under the company Creditors Bureau USA. This item is showing a balance of {$750.00} and a date opened of XX/XX/XXXX. I have made multiple attempts to contact this company to the address listed on my credit report XXXX XXXX XXXX XXXX, CA XXXX. I am not clear as to what this account is for, I have not received any verification documents from the original creditor, and I also do not know whether or not this debt collector is licensed, or has applied for a license, per the Debt Collection Licensing Act that took into effect XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On my credit reports, there are multiple names, phone numbers, and house addresses that do not belong to me. I have tried to get the items removed to better my credit, but I was unable to. I called transition, XXXX and XXXX. Neither one of those companies obliged.

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 2022-04-18 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: GA

Complaint narrative:
On my credit reports, there are multiple names, phone numbers, and house addresses that do not belong to me. I have tried to get the items removed to better my credit, but I was unable to. I called XXXX, XXXX and Experian. Neither one of those companies obliged.

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 2022-04-18 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Diverse Funding Associates LLC
State: CA

Complaint narrative:
Phone harassment Photos/videos stalking house and family Sending outdated documents to bee served

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. 
[ Dept of EDXXXX XXXX ( account # XXXX ) Balance XXXX ] Fraud Account ] [ XXXXXXXX XXXX XXXX ( account # XXXX ) Balance XXXX ] Fraud Account ] [ XXXX XXXX ( account # XXXX Balance XXXX ] Fraud Account ] [ XXXX XXXX ( account # XXXX Balance XXXX ) Account never late please remove negative information. ] [ XXXX XXXX  ( account # XXXX Balance XXXX ) Account never late please remove negative information. ]

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 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: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
On XX/XX/2022 i paid Synchrony bank collections a settlement in the amount of {$860.00} so satisfy my loan for a sleep number bed and close the account. Per bank statement the balance was removed 0n or about XX/XX/2022. on XX/XX/2022 I spoke again with the bank in reference to why they where still reporting a negative balance and they responded they do not have a settlement for this account. On XX/XX/2022 i again called Synchrony bank to attempt to resolve this issue, but they again are un willing to assist and bounce between recovery and customer service.

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 2022-04-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Southwest Business Corporation
State: FL

Complaint narrative:
I received a Notice of Expiration of Flood Insurance from XXXX XXXX XXXX. It turns out that SWBC Mortgage erroneously paid {$1100.00} the wrong flood insurance company, XXXX XXXX XXXX XXXX XXXX XXXX XXXX out of my escrow account. When my broker contacted them they in turn took an additional {$1100.00} out of my escrow, the cost of my my yearly premium and paid the correct company, neglecting to credit back my escrow account and remedy their error, causing me to now have an escrow shortage. After dozens of phone calls to their Customer Service department to get fixed, here we are 3 months later and nothing done, although told each time I call that a work order has been created to fix. I have been disconnected, hung up on, spent hours and hours on hold, lied to throughout the past few months. The majority of the reps I speak with do not even know what an escrow account is, my call just gets passed around until it's disconnected by someone on their end. I have never seen anything like it. One of the " escalation '' reps who was one of many told me a work order would be put in to fix ( this literally was the 5th time someone told me this ) and, yet again, never completed. I was also told by a rep to try and get the money from erroneously paid company my self. I was told they didn't have the money back from the company, and I was told that same day they did. No one is consistent and nobody knows what they are talking about or how to handle this. I decided last night was going to be my last phone call to try to fix this and called Customer Service again to advise work order was not complete. Again I spoke with a rep named XXXX who again had no idea what I was talking about and transferred me to escalation department. I spoke with an escalation rep who surprisingly could not help me and again had no clue as to how to help me. He said he had to transfer me to SWBC corporate office and speak with a manager. At this point I was on hold for over 45 mins. Finally a rep named XXXX answered it was not a manager but a Customer Service rep. Again no idea what I was talking about. Again transferred to escalation department where I sat on hold for almost an hour and then, at XXXX eastern standard time, the call was conveniently disconnectedafter waiting on hold a total of 2 hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 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: TX

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX  and Account # XXXX XXXX XXXX  XXXX XXXX have 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 2022-04-18 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: TX

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX and Account # XXXX XXXX XXXX XXXX XXXX have 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 2022-04-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I opend an account with truist bank and they freezed my account its been 3 months and they wont return my deposits nor tell me anything

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 2022-04-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: eMortgage Funding LLC
State: FL

Complaint narrative:
XX/XX/2022 - Got a call after numerous times of telling them I do not want calls and registering with the do not call list about refinancing my mortgage. 
It was from E- Mortgage XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: PA

Complaint narrative:
Discover credit card has a voluntary closed account shown on my credit report as an active credit card balance which is affecting my credit usage and is showing a usage of 80 % on my credit report. Before my Discover credit card was closed years ago, my credit limit was {$7000.00} and I was placed on a hardship payment plan of $ 65 monthly and Discover informed me that the account will not be listed on my credit report. The Discover account is also not listed on my XXXX XXXX XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 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: VA

Complaint narrative:
On XX/XX/2022, initiated a dispute for an airfare ticket, after not having received a response from the airline in regards to my cancellation request sent to airline on XX/XX/2022. Emailed cancellation request was sent to airline following an attempt to cancel on the booking portal that directed me to cancel the ticket by direct contact with the airline. 

On XX/XX/2022, I received notification from Capital One that my dispute was being declined and soon thereafter I received some correspondence from Capital One requesting proof of cancellation. 

On XX/XX/2022, I provided via U.S. postal mail the following four documents as proof of my cancellation request. 
1. Correspondence to the airline, in this case XXXX, as indicated when the dispute was submitted, is enclosed herewith, and dated XX/XX/2022. 
2. Attempts to change/cancel the flight via the Capital One portal directed me to the Airlines Website. Please see enclosed screenshot indicating same 3. In addition, please see enclosed screenshot from the Airlines website indicating the ability to receive flight credit for cancelled flights. 
4. Finally, please note that I have no relationship with nor do I know any individual named XXXX XXXX XXXX, who is alleged to have supplied payment, as indicated on the enclosed booking confirmation email. 

On XX/XX/2022, I received an electronic letter from Capital One indicating there was nothing further they could do with regards to the dispute and directing me back to the non-responsive merchant in order to resolve the case. Please note, to date, I have not heard back from the merchant with regards to my cancellation request of XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX I traded in My XXXX XXXX XXXX and it was paid off. Currently of my XXXX credit Report it is showing the Balance of {$12000.00} and the last date reported is XX/XX/XXXX. Also it is currently showing past due and I have not made a payment since XXXX which is incorrect. I never missed a payment and it was paid in full on XX/XX/XXXX. Please see attach letter

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-18 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Equifax furnished me with my credit report which included several inaccuracies and missing information. I initiated disputes, based on these inaccuracies. 

Equifax did not investigate my dispute requests. 

I want them to fix the following accounts : XXXX XXXX XXXX Account # XXXX : Delete because you did not update or correct the date of last of activity. 
XXXX XXXX Account XXXX : Delete because the date of last activity has not been updated or corrected XXXX XXXX XXXX Account # XXXX : Delete for unknown collection XXXX XXXX XXXX  XXXX Account XXXX XXXX : Delete this account, because of inaccurate date of last payment ( XXXX ). Account was closed XXXX. 
XXXX  Account XXXX XXXX : Delete account, because the date of last activity is missing XXXX XXXX XXXX Account # XXXX : Delete account, because you are reporting a balance when there is none. 
XXXX Account # XXXX : Delete account, for missing date of last activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
On XX/XX/17 received e/mail stating a e-card frm macys was transacting a purchase via paypal. Transaction # XXXX. Notified XXXX. It was I believe {$25000.00}. I trashed the e-mail.

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 2022-04-18 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Dear Equifax In reviewing my credit report from Equifax, I found unauthorized addresses. I made numerous attempts to resolve this matter via Equifax automated service, however I had no success by phone. The following inquires are unauthorized. 1. XXXX XXXX XXXX XXXX GA XXXX 2. XXXX XXXX XXXX XXXX GA XXXX 3. XXXX XXXX XXXX XXXX GA XXXX 4. XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX 5. XXXX XXXX XXXX XXXX GA XXXX 6. XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall. ( i ) promptly delete

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. 
[ Dept of ED/ XXXX ( account # XXXX ) Balance XXXX ] Fraud Account ] [ XXXX XXXX  XXXX  XXXX account # XXXX ) Balance XXXX ] Fraud Account ] [ XXXX XXXX XXXX account # XXXX Balance XXXX ] Fraud Account ] [ XXXX  XXXX ( account # XXXX Balance XXXX ) Account never late please remove negative information. ] [ XXXX XXXX  ( account # XXXX Balance XXXX ) Account never late please remove negative information. ]

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 2022-04-18 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2022-04-18 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2022-04-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Social Finance, Inc.
State: PA

Complaint narrative:
My mortgage has fallen below 78 % XXXX and SoFi continues to take mortgage insurance payments. 

XX/XX/XXXX : I emailed SoFi requesting that my XXXX be canceled since the XXXX had fallen below 80 %. 
XX/XX/XXXX : I received an email from SoFi outlining that I would need to receive an appraisal to remove the PMI, however, the company indicated the XXXX would automatically be dropped on XX/XX/XXXX as the mortgage would fall below 78 % XXXX. 
XX/XX/XXXX : I emailed SoFi requesting that my XXXX  be canceled since the mortgage had fallen below 78 % XXXX. 
XX/XX/XXXX : SoFi disbursed a mortgage insurance payment.

Company response to consumer: Closed with explanation