vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Claim number:XXXX  Dear Wells Fargo Customer Service XXXX I trust this letter finds you well. I am writing to express my deep concern and disagreement with the recent denial of my dispute regarding unauthorized transactions on my Wells Fargo account. 

As my husband informed me that he had lost his wallet, which unfortunately contained not only his ID but also my Wells Fargo debit card. Disturbingly, someone gained access to the wallet and attempted to drain funds from various cards, including my Wells Fargo debit card. 

As a responsible account holder, I promptly contacted your customer service upon noticing these unauthorized transactions while they were still pending. Our immediate goal was to dispute the charges and prevent any further financial loss. 

This situation has added a layer of complexity and urgency due to the involvement of my Wells Fargo debit card. I believe the bank has a significant responsibility to protect its customers from fraudulent activities, especially when circumstances involve the loss of personal items like wallets. 

The unauthorized use of our funds has significantly impacted our financial stability, and we had hoped that Wells Fargo would take the necessary steps to rectify the situation. As I refuse to pay out of my pocket for the fraud I had done nothing. Thats not the kind of service I expected from the bank I trust with my financial and its not the kind of service any bank should be provide. I kindly request a thorough reconsideration of our dispute, considering the circumstances surrounding the loss of the wallet, the unauthorized transactions, and the urgency with which we reported them. 

We are fully committed to cooperating and providing any necessary information to support our case. Your prompt attention to this matter is crucial, and we trust that Wells Fargo will uphold its commitment to ensuring the financial security of its customers. 

Thank you for your understanding and cooperation.

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 2024-01-22 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: OH

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. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : Account : # XXXX Account : # XXXX, Account : # XXXX, Account : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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 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 2024-01-22 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: EQUIFAX, INC.
State: OH

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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : Account : # XXXX Account : # XXXX, Account : # XXXX, Account : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 non-monetary relief
Consumer complaint received 2024-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Affirm Holdings, Inc
State: VA

Complaint narrative:
My credit line was reduced back and the totally eliminated in late XXXX of XXXX because AFFIRM claim that I had a credit freeze on XXXX. I lifted the credit freeze byt they still claim is showing up. They also allege my personal information on XXXX does not match what they have on file. I did verify with XXXX and was able to clean up old information and altercations of my name. I checked my credit report with XXXX on XX/XX/XXXX and all the information is correct. 
However, AFFIRM continues to allege that there is a credit freeze and that the information that they have on file does not match XXXX. 
In addition, they will not share whatever information they do have with me. I continue to get emails from them to verify my account and now they are saying they cant find it. This has happen several times with different agents when I have called in. Today I received an email stating the same thing. 

I also have an open account with them that I am making payments on and with the correct information. This loan was given to me back in XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act Convergent account XXXX XXXX XXXX XXXXXXXX, 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 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 2024-01-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: FIRST CITIZENS BANCSHARES, INC.
State: CA

Complaint narrative:
Hello, I am writing to request your immediate attention and assistance regarding my home loan application process with First Citizens Bank, which commenced with an opening of escrow on XX/XX/XXXX. Despite satisfying all contingencies associated with the application, I have encountered significant obstacles and lack of clarity, specifically concerning the final and critical loan contingency. 

My journey with First Citizens Bank 's first-time home buyer program started promisingly, with an initial pre-approval. However, the ensuing process has been marked by inefficiency and a lack of transparency, leading to considerable distress. A recurring issue has been the repeated requests for documentation that had already been submitted, highlighting a concerning disconnect in communication between my loan officer and the underwriting team. 

The loan, necessitating detailed scrutiny, has been delayed significantly, particularly regarding an inquiry into my past payday loansa debt category I have responsibly cleared. The anticipated closing date of XX/XX/XXXX has passed without any definitive update on my loan 's status. Despite my proactive efforts to communicate with both the loan officer and their manager, I have been met with evasive responses and no concrete information regarding the underwriting decision. 

Moreover, the discovery that the loan is now deemed unwarrantable came as a shock, especially after incurring expenses of nearly {$2000.00} on inspections and appraisals. This revelation is alarming, considering all other aspects of my application have been satisfactory. It raises serious questions about the banks due diligence and the integrity of their process. 

This experience has left me with undue stress and XXXX. Therefore, I am seeking the CFPB 's intervention to facilitate a prompt and transparent review of my application. I respectfully request a clear and detailed update on my qualification status, and if there are grounds for disqualification, I ask for a comprehensive explanation consistent with First Citizens Bank 's official policies and procedures. 

Your intervention is crucial in ensuring that my consumer rights are upheld and that the principles of fairness and transparency in the home loan application process are maintained. I trust that the CFPB will address this matter with the seriousness it warrants. 

Thank you for your prompt attention to this pressing issue. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 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: EQUIFAX, INC.
State: MD

Complaint narrative:
On XX/XX/ Equifax, XXXX, XXXX and XXXX reported bankruptcy on my credit report and file. The agencies listed above needs to remove the inaccuracies of reporting and its a violation of METRO 2 Compliance. I have uploaded the FTC report I have filed and documentation from the US Bankruptcy Court showing that they do not provide information to 3rd parties. I did NOT consent to anything being posted on my credit report or file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I ordered a Citibank American Airlines card a couple of years ago. They opened an account for me and sent a card, but it's not the AA card, it's a different one. So I applied for the CitiAA card again. They did the same thing to me TWICE more- kept sending me a different card than I had applied for. Now I have 4 Citibank cards. Because of my income and credit, I had high credit limits, i.e. up to $ XXXX. Then they sent me a couple of 0 % balance transfer offers, on a couple of those cards. I took advantage of these, and did not max out those accounts when I did so. I still had plenty of available credit. I did not use those cards at all, and paid much more than the minimum payments on all accounts, well before due dates, while the 0 % interest rate was in effect. My credit report shows I have always paid as agreed. Nevertheless, Citi arbitrarily reduced my credit limits on JUST THOSE CARDS to just a couple of XXXX dollars above the balance, thereby causing my credit score to drop. I know this, because the amount of unused credit on a card has an effect on your XXXX score, and I was in the process of refinancing a property I own when they did this. Citi 's actions caused my credit score to drop, which in turn caused me to have to pay a higher interest rate on the mortgage. I called Citi and spoke with a couple of people about it who said there was nothing they could do. The refinance paid off these cards, and then I received ANOTHER balance transfer opportunity ( 0 % interest for 12 months again ) on a different Citi card. I took advantage of this, and then almost immediately Citi reduced the available credit to just a couple of XXXX dollars over the balance, causing a hit to my credit score AGAIN. This time I have proof of the change. I don't have proof from the 1st time. Please see the attached documentation. Citi should STOP the practice of arbitrarily reducing credit limits on the public when someone takes advantage of the XXXX percent balance transfers. Also, they should send you the card you applied for, the FIRST time. This appears to be almost a mercenary practice, potentially harming people 's credit scores just so Citi can show that they carry a lot of accounts, and have more capability of profiting when the 0 % interest rate expires. Once that interest rate expires, the new interest rate is 29.99 %. THIS SEEMS LIKE USURY TO ME. They try to trap the 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 explanation
Consumer complaint received 2024-01-22 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: CA

Complaint narrative:
Over 60 days ago I have been contacting these consumer reporting agencies as they are accessing and reporting and furnishing information that I NEVER authorized. I demand the following inquiries hard and soft be removed immediately as they are reporting and furnishing information that i NEVER authorized. They are causing me damage, harm, and illegally reporting and furnishing information without my consent. They owe me violation fees for illegal use of my Credit file. I need you CFPB to make sure they get these inquiries that I never consented to removed and deleted immediately. They are not complying and I am suffering from stress and harmful XXXX  caused by these non affiliated corporations and they are abusing me and my information. 

I need the following inquiries to be deleted and removed from my credit file and I need my file updated as I have instructed below. I am tired of the abuse of these corporations and companies violating me and my rights. This is against the LAW. 

Delete NOW!!! 
I NEVER CONSENTED TO ANY OF THESE INQUIRIES. MY information and informed use of credit has been illegally accessed. BY law Every single PERSON Must have my Written consent and permissible purpose and my signature from me allowing these reportings and transactions, which I NEVER gave them. They MUST send me a copy of ALL the transactions and letters proving that I consented to XXXX, XXXX, and Transunion. They Must provide me a copy of ALL transactions accompanied with my written letter and my written consent to furnish my information. If they do not have a copy then they are in breach of contract, committing securities fraud, and I will check my file and if they are not removed as i have requested, I will also be notifying the IRS for their illegal and bad business practices : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Done in good faith, Without prejudice By : XXXX : XXXX, Beneficiary/ Agent For : XXXX XXXX Principal Without recourse . All Rights Reserved

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 2024-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I saw a credit card offer from my American express credit card that if I spent {$300.00} or more in one or more purchases in booking XXXXXXXX XXXX US locations, before XX/XX/XXXX, I would receive {$75.00} back ( screenshot of the offer attached ). I used the offer on XX/XX/XXXX to book two rooms in XXXX XXXX ( reservation attached ), there were two transactions of {$36.00} and {$260.00} each on my Amex credit card on XX/XX/XXXX. However, Amex did not honor this offer and credit me back {$75.00}. When I inquired customer service on XX/XX/XXXX, the first representative claimed that the hotel I booked was not included in this offer. I told here I did check the list of hotels in the offer and XXXX XXXX was included. She then came back and told me the offer require spending {$300.00} in a single transaction, not two transactions. I explained to her the offer explicitly says " {$300.00} or more in one or more purchases '', the " one or more purchases '' means it can be one transactions or multiple transactions. But she still denied that. I escalated to her supervisor but she insisted that the offer only allows single transaction, while the offer terms I saw and screenshot clearly says one or more purchase. I feel this marketing offer is very confusing and misleading. I would not have booked intercontinental hotel without seeing this offer, but the credit card company would not honor what they marketed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
please reverse all late payments with all my credit cards to be on time and paid as agreed. 
I was very sick with a XXXX XXXX XXXX. 

please forgive me for being late and in the future i promise to be on time

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 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc.
State: GA

Complaint narrative:
i used self lender to help build my credit and paid it on time every month to completion. someone then used my account to order on XXXX which was found to be fraud. i was unaware my account was being used and the company credited the account back the amounts that were fraudulently charged. XXXX, they then marked me as having a 30 day late payment on my account for the amounts fraudulently charged. I was never 30 days late because I never owed them anything at that time they said my payments were late and my account was paid in full. This continually hurts my credit every month and I have asked for goodwill removals as well as asked them to correct the late payment by removing it but they keep it instead of looking into it as being their own error not mine. I shouldnt be punished and keep losing points on my credit every month for their continued reporting in error. please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Shellpoint Partners, LLC
State: AZ

Complaint narrative:
New Rez informed me by mail that I did not have proof of insurance. I did have a landlord policy in place by XXXX, but there was a mortgage transfer between Ditech and New Rez and XXXX of them dropped the ball and did not check for proof of insurance. I had XXXX ( allied ) insurance send over a declaration page so I did not get hit with a lender placed policy. 
After the work I put in to make sure that they got the proof of insurance, my mortgage was hit with a lender placed policy anyhow and the next year my mortgage was reassessed and my bill doubled what I had been paying. I talked to New Rez about paying what I could while the situation was under investigation as to not go as unpaid, they assured me it would be okay and that it would still place late fees but to just pay the normal amount until it was figured out, and during that time I found evidence that I had coverage the whole time while they had put a lender placed policy on my account. They were at fault and the situation was corrected, they refunded me money for their mistake and I concluded that all was well. Come to find out they gave me negative marks on my credit score for 2 months of no payment. I did pay into those 2 months but I told them i couldn't pay the new amounts that they had reassessed, I would be paying the original amount until they figured out what was going on. 
After sending a dispute to them through their website, they concluded that it was within their right to give me negative marks on my credit. 
This has severely impacted my credit and my borrowing privileges. It has been nothing but a headache and honestly has made things really hard in regaurds to barrowing etc. I am hopeful something can be done. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
Following me filing a billing dispute for duplicate payments my monthly payment was attempted to be withdrawn from a saved account I had not selected for payment. After the second attempt I confirmed with my credit union that the payment scheduled on XX/XX/XXXX was never presented for payment as instructed using the customer portal. 
On XX/XX/XXXX I phoned Synchrony to find out why the provisional credit was reversed from my account and the agent informed me that my account had been closed due to returned payments. 
I used this account daily ; I paid the balance off monthly. After filing one claim for a debit which was processed twice my payment instructions were ignored and payments were attempted to be withdrawn from another account.

I have never missed a payment, carried large monthly balance which was paid off monthly. I believe there is a problem with your portal not retaining customer selections on which account to withdraw funds from. Instead of calling a loyal customer you close my account without notice leaving me embarrassed as I am told my transaction is declined. I still have no information on the claim I filed or indication what the final outcome was.

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