vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-30 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person.

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 2021-12-31 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have been in contact with XXXX for almost 3 yrs now trying to correct information reporting on my credit that is inaccurate. I have sent at least 10 letters trying to correct the matter. It is flat out fraudulent. There are 11 accounts that are reporting that I never had. I have requested these accounts be removed. XXXX has done nothing but claim they are accurate. This is false. I have sent numerous letters explaining that I was a victim of identity theft twice. Once in XXXX and again in XXXX. I have a list of the accounts in question. 

XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX  # XXXXXXXX XXXX XXXX- # XXXX XXXX- # XXXX XXXX XXXX- # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX XXXX XXXX- # XXXX XXXX XXXX XXXX # XXXX I have since taken measures to pay for XXXX, which alerts me when something is going on with my credit, and any breach with my personal information. 

I don't know what else to do except sue XXXX for violating the fair credit reporting act. 

But before I proceed, I wanted to give them this last chance to respond before I go public and retain counsel.

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 2021-12-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/2021, I applied for the Citi Custom Cash credit card directly through the Citibank website ( as I feel it's more secure that way ) after seeing an advertisement for it on XXXX XXXX. The advertisement on XXXX XXXX read and still reads that you will receive {$300.00} worth of points after spending {$1000.00} in the first three months. I reasonably assumed this would be the same offer I would receive after applying directly through the Citibank website. After being approved and receiving the card, I found out that Citibank had changed the terms of what they had shown in their advertisement and reduced the promotion to only {$200.00} worth of points after spending {$750.00} in the first three months. I chatted with and called Citi support and was told nothing could be done to change the promotion to the one which was shown in the advertisement for no reason except that they're " unable to. '' I even elevated my request to a supervisor and was told the same thing. This is a classic bait-and-switch and Citi should be disciplined for this, especially since they are refusing to make good on their advertisement.

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 2021-12-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
On XX/XX/XXXX my wife and I notified Capital One via two separate phone calls that we were victims of wire fraud and that we wired funds from each of our Capital One accounts to a fraudulent account at XXXX XXXX ( {$130000.00} from my wifes account and {$130000.00} from my account ). Starting on this day and going forward Capital One grossly mishandled the situation. The person I spoke with on XX/XX/XXXX did not know what to do and how to handle the wire fraud situation. I was on hold off and on for hours. The representative could not get a form to work in order to report the situation appropriately and stated that nothing could be done until Monday, three business days later. This delay undoubtedly had negative impacts on the ability to recover our funds. 

We called back the next day since the wire team was no longer available after trying to work with that representative for so long. It took many escalations to get to a representative who had any idea what to do. After that day, we continued to have to call and spend hours on hold and escalating to get information on the case and to try to ensure that the situation was being handled appropriately. We were forced to call back many times and each time got nowhere. Calls were placed on XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, and XX/XX/XXXX. We were told we would get a call back several times but it never happened. At no point was Capital One treating the situation with the immediacy and seriousness it called for. 

Eventually, a portion of our money was returned to my wifes Capital One account by XXXX XXXX ( {$120000.00} ). Capital One could not even provide any information when this occurred. They never followed up with XXXX XXXX. 

The case was closed only after I continued to call and insist someone follow up with XXXX XXXX to see if we would get the rest of our money back. Call after call I asked them to confirm that this was being treated seriously, believing that a so called investigation was ongoing and was told so. It became clear as time went on that the only thing that was done was a wire return request sent in early XXXX and resent in XXXX, over three months after the fact. 

The entire situation was so grossly mishandled by Capital One. Time is of the essence in wire fraud cases and Capital One failed to do their part to engage the proper teams and parties involved when they should have. Capital One was continually negligent in their responsibilities. Because of this, we lost {$140000.00} of our life savings.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: IL

Complaint narrative:
I have contacted Convergent Outsourcing on several occasions, asking for the alleged account from XXXX XXXX for {$860.00} to be properly validated. I was sent billing statements on XX/XX/21 which does not show that I opened this account. My last validation request was sent to Convergent Outsourcing on XX/XX/21 and has not been responded to at all within the 30 days given. This alleged account has not been validated and its now against the law for this account to remain on my credit.

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 2021-12-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The credit bureaus continue to report my payment history inaccurately after several attempts to get them to correct it. I have sent several disputes and complained over the phone several times. 
The accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( 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 2021-12-31 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: MARINER FINANCE, LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX Texas branch reported my loan account 30 day late. It is reporting on CRA for XX/XX/2021 as 30 days delinquent. XXXX XXXX is branch manager at XXXX XXXX Texas location. I spoke to her today XX/XX/2021 at XXXX in regard to Fair Credit Reporting Act statue - Duty to Provide Notice to Customer, Timing of Notice and Format of Notice. I asked XXXX XXXX if they notified me in writing no later than 30 days after furnishing the negative information to CRA. She replied XXXX. She stated No notice was mailed to me regarding this negative information reported. She also stated she was not familiar with fair credit reporting act and stated she would not remove negative information even after learning she violated the FCRA. In accordance to FCRA she has violated my rights by failing to uphold the Duty to Provide Notice to Customer, by not adhering to Timing of Notice and Format of the Notice and this has caused me harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
On XX/XX/2021, I received a text from Wells Fargo that there was " unusual activity '' on my account with a corresponding link. I clicked the link, but was asked for my credit or debit card info. I assumed this was a scam and exited out. Person B also received a similar text on XX/XX/2021. Person B also clicked the link but assumed it was a scam and did not enter any information. My Wells Fargo bank account did not demonstrate any unusual activity, so I did not pursue the issue further at this time. 

Later on XX/XX/2021, I had received an email that I had sent {$3400.00} via XXXX from my Wells Fargo bank account to a XXXX account belonging to Person B. Person B claims to not have a XXXX account and did not receive the funds. I filed an official Fraud Claim with Wells Fargo to refund my stolen funds. However, on XX/XX/2021, I received a letter from Wells Fargo denying my fraud claim and stating that the {$3400.00} transaction was made by me or someone with my authorization. This is false, and I did not make this transaction nor did I authorize anyone to make this transaction. 

On XX/XX/2021, I called the Wells Fargo fraud department to request copies of documents that Wells Fargo relied upon in making their decision and also to escalate this claim to a supervisor, as Wells Fargo 's conclusion is false. I have this conversation recorded as well. The Wells Fargo employee refused to give us a complaint number and simply told us that we should wait for a return phone call in 10 business days. The Wells Fargo employee also hung up on us prematurely without giving us an opportunity to clarify other information. We have the name of this employee, but have withheld it as no personal information should be entered in this box. We have no official documentation to verify that we have escalated our claim or that we have requested the aforementioned documents. 

Our bank account log in information and account numbers have been changed to prevent further fraudulent activity.

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 2021-12-30 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I am a XXXX XXXX XXXX who lives on a fixed income. I logged into my BofA bank account only to notice that I was missing {$3500.00}. This was very disturbing as I did not authorize this transaction. Below is synopsis of what happened the steps I took to recoup my stolen money. 

* On XX/XX/2021 an electronic draft of {$3500.00} was deducted from my Bank of America checking account without my authorization. 

* I fell victim to a scam. I received a call from someone who said that they were with XXXX XXXX. I was walked through a series of steps to supposedly update my info to thwart of this security hack. Unbeknownst to me at the time that this was a hoax. 

* I contacted BoFa fraud department to find a resolution to this matter. They in no uncertain terms tried to assist me. Instead, they deemed it my fault and would not remit the funds back to my account. Claim # XXXX * I also contacted XXXX of which I am a customer. Again, they were of no assistance. Ref # XXXX XX/XX/2021 ). 

* I also filed a complaint with the FTC. Report number XXXX. 

* I also filed a police report in the state of NY on XX/XX/2021. Incident # XXXX * I initiated a fraud alert to XXXX as well. 

* As I was embarrassed, I did not inform my son until recently. He recommended that I work with the CFPB to determine a fair and equitable resolution.

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 2021-12-30 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
an ex girlfriend used my card while i was out of town and spent all my money toaling in XXXX and bank of america is not doing anything to make this right. Not only have i submitted all the facts and details showing i was out of town while the charges occured and a police report along with the detectives card with contact info there still treating the matter as if my money dont matter. ive been hung up on by multiple reps and lied to by bank of america and yet they still just dont care to even make my sittuation right. please help me get my money back ive gone homless because of this and im currently living in a 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 2021-12-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
To whom it may concern, Thanks in advance for your help with this.

I have a mortgage with SunTrust Bank and have entered the Covid-19 forbearance program in XXXX of XXXX. In XXXX of XXXX I've inquired about the possibilities of exiting forbearance and it was recommended to me to do an application for a loan modification. I received the paperwork for my loan modification midXXXX and e-mailed it back within 2 days of receiving it. A few days later I spoke to a representative that made me aware of a missing document, which I then submitted on XX/XX/XXXX via email. On XX/XX/XXXX a representative confirmed with me via phone call that they've received everything they needed and were processing my application. 

A few weeks later a representative told me that they would extend my forbearance to give the application a little more time to be processed. Since then I've been following up every 2 weeks with them via phone and have been repeatedly told to just wait and that the application is still processing. 

I still haven't received any paperwork outlining my trial payments or any other details regarding my loan modification. My most recent phone call with them was on XX/XX/XXXX and the representative reached out to the processing department via email to try to speed things up. 

Any help with this would be really appreciated and I would be very grateful if this whole process could come to an end at some point soon.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
on XX/XX/2021 A Deer ran infront and top of my car my car was totalled as soon as I got home I started calling insurance to start claim process. Well found out I was not covered with car rental. So I called where I finance loan like around the XXXX to see if insurance had contacted them they stated no I gave them information of claim adjuster and name and number. They said okay they would put it on the account. Called back on the XX/XX/2021 Because I received an email from claim adjuster stating they waiting on letter of gurantee and title they had already cut a check for them just waiting on those items. So I call Ally Financial and they never wrote the information on when I called and they had not information from the insurance I asked for Total Loss Department and got tossed around to another Customer Service Representative. They do not have a Total Loss Department they tell me to tell insurance to call back at XXXX for Total Loss that is same number I called for Customer Service Number. I am frustrated and stressed they are not getting this done and on their web page there is no other numbers to contact just finance number, no legal department number, no total loss number. Nothing is being accomplished. At this time it is all a cat and mouse game. I have not documents on calls. Their calls are suppose to be recorded. This company claims to be number one and has all this awards they are falsefying. They need auditing by the government because they are not doing their job. Why as a customers should I be doing their leg work and why are they not noting any information down and who is the person to speak to when their is a serious issue with a damaged or wrecked car their is no 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 explanation
Consumer complaint received 2021-12-31 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person.

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 2021-12-31 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax Credit Agency committing intentional identity fraud without thoroughly investigating. I received a XXXX XXXX Notice for someone who is not me and is using my information for a personal unsecured loan that I closed and paid in full without no late payments. The fraudster 's name is XXXX XXXX XXXX, phone # XXXX. I do not know this person at all. This lady is fraudulently claiming and using my U.S. XXXX XXXX that I am paying for on a monthly basis and I have proven documents to show that the XXXX XXXX belongs to me- XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX is a fraudster who is trying to steal my identity behind the scenes claiming that my XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX belongs to her. Equifax did not thoroughly conduct an investigation and have listed my XXXX XXXX information on the above fraudster 's Equifax profile. I am going to file charges against XXXX XXXX XXXX XXXX and the bureau for intentionally allowing this thief to use my XXXX XXXX information without getting legitimate proof. I would like to file a complaint against Equifax. I have a monthly subscription with Equifax to prevent this issue from happening with XXXX XXXX. I am very upset!

Company response to consumer: Closed with explanation