vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XX/XX/22 my Citibank debit card was declined. I tried to check my balance at a bank ATM, and was unable to log on and was given a number to call and a code to refer to. I called the number and could not get any information about why my account was down, but after three separate individuals failed to get any information was given a number and option to use for answers.

Since that point I have tried many times to reach this department. The wait time is always stated as " over thirty minutes '', and every call has been disconnected at around 15-20 minutes. I have tried speaking with supervisors over the phone. Attempts to use the Citibank website to contact anyone have failed as no information or contact is available unless you log on, and my logon has ALSO been locked. 

I finally found contact emails through third party websites. This morning ( XXXX ) I spoke with an individual who confirmed that a ) yes, my account is locked, b ) they can't give me any info about why or whether I am at further risk, c ) they have literally no other way to find out than to call the same number and option that I am using, and d ) because THEIR time is valuable they can't wait the half hour plus to find out. 

I am locked out of my account. One rep slipped up and said that this is usually because of " fraud ''. I have tried everything short of going directly to the bank branch that started my account, and even though I have been told over the phone this will not do anything I'm going to try it anyway. This is insane.

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 2022-08-04 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Claim number : XXXX Never in my life I have seen such a bad, useless customer care service and a department for Fraud & Dispute which does not know its work.

After 3 days of trying to get hold of fraud team and after numerous call holds for 2 -3 hours each finally on XX/XX/2022 - XXXX XXXX  I was able to speak to someone from Fraud and Dispute team. ( I wish I could have spoken to someone more knowledgable on subject ) Cust Rep Name : XXXX Team : Fraud & Dispute I told her reason for the call, asking her reason on why my dispute claim was rejected. She said I should submit a police complaint and they will help me get money back. I asked why we have fraud/ dispute team then, she said I dont know. I told her about " FCBA '' and asked about points mentioned in " https : //consumer.ftc.govXXXX XXXX XXXX XXXX FTC for which she said she is not aware and put me on mute. I was shouting/ asking questions on call, but she went somewhere and later I could only hear keyboard noice and finally she disconnected me. 
If this is kind of team you have with such kind of persons, then BOFA is a bigger fraud and their banking license must be cancelled.

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 2022-08-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: OR

Complaint narrative:
My divorce was final in XXXX of 2021. My ex-wife who was awarded this house took a forbearance without my knowledge. I am the primary signature on the loan with my ex-wife being the secondary. I got phone notifications from Rocket Mortgage that I needed to contact them but when I called they would tell me that everything was fine. Once the forbearance passed the 120-day mark my credit was severely affected. I contacted Rocket Mortgage and they then informed me of the forbearance. They informed me that the decision to get a forbearance only needed to be communicated to them by one person on the loan and my signature was not needed to make the adjustment. So now because of an adjustment made to the loan without my approval, my credit score has tanked and made it so the home can not be refinanced, they want me to participate in documentation to get the loan on track but signing accepts that I was a part of the decision. On top of it all, I am experiencing financial issues related to my horrible credit score. I have supplied the document showing the general judgment of dissolution of marriage and details that the home was to be sold if not refinanced in 90 days. I understand that technically we are both on the loan but they allowed the change to happen without my consent which then negatively affected my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Chase Freedom Card : I am being charged late fees on waived late fees. It is a rip off and despite speaking with a Chase supervisor, they contend that waived late fees form non waived balances due. In other words, they mislead card holders into compounded new late fees. 

It is what XXXX and day lenders do to run up debt. I hope you can look into this practice and issue them a reprimand or embarrass the company to stop this practice. 

I have been a Chase account holder for decades. This behavior is causing me to rethink my former loyalty and wonder what low income families must be doing when they are faced with similar circumstances. 

Thank you in advance for your potential assistance. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Trouble using the card — Trouble getting information about the card
Company: U.S. BANCORP
State: MI

Complaint narrative:
On XX/XX/2022 - XX/XX/2022 I was unable to access my account to see my balance because I have an old phone number on my account which I do not use anymore. And now I can not login to my account

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 2022-08-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Synergetic Communication Inc
State: SC

Complaint narrative:
The place is called SUNEEGETIC COMMMUNICATION INC THE AMOUNT SHOWS {$480.00} date XX/XX/21 placed on credit report its not mine

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 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: MA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account TransUnion reporting XXXX Account # XXXX Bal Date XX/XX/22 has violated my rights. 30 day late reporting is incorrectly appearing on the report. 

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 non-monetary relief
Consumer complaint received 2022-08-04 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: GA

Complaint narrative:
Did not excersise its grave responsibility. 
You were unfair and partial and did not respect my right to privacy. 
I never instructed them to furnish on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
This company is sending threatening emails of Warrant for arrest in addition email contains all my personal information including my SSN, DOB This debt is from XXXX 2015 XXXX- The attached is a copy of the email- IT has formerly be 7 years. 
Texas and Federal Law Texas Constitution, Article 1, Section 18 This provision in the Texas Constitution ensures that no person shall ever be imprisoned for debt.

Texas Finance Code Chapter 392, Subchapter D These sections of Texas law outline deceptive, threatening, and abusive behavior that debt collectors and original creditors can not engage in. These behaviors include : falsely accusing you of a crime, using profane or obscene language, using a false name, misrepresenting that their communications are coming from an official government source.

Sections 1692d ( 1 ) and 1692d ( 2 ) in Title 15 of the U.S. Code Under the FDCPA, third-party debt collectors can not use profane or obscene language. They can not threaten you with violence or other criminal acts.

Section 1692e in Title 15 of the U.S. Code This section of the federal Fair Debt Collection Practices Act lists false or deceptive statements that a third-party debt collector is prohibited from using.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
THIS IS NOT A DISPUTE. EQUIFAX BROKE THE LAW AND REPORTED UN-AUTHORIZED INQUIRIES ON MY CONSUMER REPORT WITHOUT A PERMISSIBLE PURPOSE PER 15 USC 1681b ( a ) ( 2 ). I NEVER GAVE EQUIFAX ANY WRITTEN INSTRUCTIONS, OR CONSENT TO FURNISH, OR REPORT ANYTHING ON MY CONSUMER REPORT. NO CONSENT IS IDENTITY THEFT, AND AN INFRINGEMENT UPON MY RIGHT TO PRIVACY. I HAVE ATTACHED A COPY OF THE FTC IDENTITY THEFT REPORT. I DEMAND THAT THE UN-AUTHORIZED INQUIRIES ATTACHED BE DELETED IMMEDIATELY WITHIN 4 DAYS PER 15 USC 1681c-2 ( a ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: DISCOVER BANK
State: CT

Complaint narrative:
On XX/XX/22, Discover lowered my credit limit from {$30000.00} to {$900.00}. I called Discover on XX/XX/22, at XXXX XXXX. XXXX, the representative, advised that a soft pull was done on my XXXX consumer report which I did not expressly authorize in writing, pursuant to 15 U.S. Code 1681b ( a ) ( 2 ). I advised her that Discover had violated my federally protected consumer rights.

Discover 's actions in reducing my credit card limit from {$30000.00} to {$900.00} is discriminatory and in violation of federal law. Specifically : 15 USC 1602 ( f ), 15 USC 1602 ( p ), 15 USC 1691 ( a ) ( 3 ), and 15 USC 1681b ( a ) ( 2 ). 

XXXX said promised that a supervisor would call me back within 24-48 hours. It has been 72+ hours and I have not heard back from Discover. My rights have been violated and nobody has tried to assist from Discover. I have suffered harm, injury, and emotional distress from this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 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, a Consumer, have been a victim of the Equifax data breach, and have been recently affected by the false and inaccurate information on my credit report. Pursuant to 15 U.S. Code 1681 ( b ) I demand that my consumer report accurately reflect proper information. I have previously disputed the inaccurate accounts reported by Equifax in collections as of XX/XX/2022 from XXXX XXXX XXXX in the amount of {$1600.00} and XXXX XXXX XXXX in the amount of {$800.00} which are also reported as closed but have not been removed and are still reflected on my consumer credit report. There are two inaccurate charged off accounts with XXXX XXXX XXXX in the amount of {$800.00} and XXXX XXXX in the amount of {$570.00} reflecting which I have also previously disputed with Equifax. There are also inaccurate addresses reflecting that I did not consent to. These inaccurate reports have been damaging to my reputation and confidence as a Consumer. Equifax has failed to exercise their grave responsibilities in assembling and evaluating consumer credit and other information on consumers with fairness, impartiality, and a respect for the consumers right to privacy. There are numerous soft inquiries inaccurately reported that I did not give Equifax permission to furnish on my report and directly violates my right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
Hello, For over a year now, I have been trying to trace a check or international wire transfer, coming from XXXX to my US Wells Fargo account between Fall XXXX XX/XX/2006, for an amount between {$10000.00} and {$15000.00}. 
I have filed 3 inquiries with Wells Fargo. None were followed trough or resolved.

I understand an archival search, for which I am ready to pay for, is necessary. But I can not get Wells Fargo to do it.

Can you help, please?

Looking forward to your reply.

Thank you.

Regards

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 2022-08-05 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: AR

Complaint narrative:
This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$15000.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX Inquiry Date XX/XX/2021 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 2022-08-05 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: AR

Complaint narrative:
This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$15000.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX Inquiry Date XX/XX/2021 XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My checking account - Bank of America # XXXX was closed back in XX/XX/XXXX. The ATM debit card ending in XXXX was the associated debit card to this checking account. 

On XX/XX/XXXX, XXXX XXXX issued a refund on a cancelled flight in the amount of {$370.00} and I was advised to contact Bank of America. I contacted Bank of America and they said they had " no where to post the money '', so they issued a refund back to XXXX XXXX and that I would have to contact them. I contacted XXXX XXXX and they said they have never received any refunds back from Bank of America. 

XXXX XXXX gave me XXXX XXXX XXXXXXXX ( I do not know what this number is for ) Last Dept I spoke with was Bank of America # XXXX Dept- Recovery Bank of America has my money and has done nothing to cooperate in investigating the issue of my refund

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 2022-08-04 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: NE

Complaint narrative:
Equifax is still reporting inaccurate information on my credit profile. i have submitted factual based information with the accuracy reporting on said accounts and they still have not removed these accounts. All accounts come back verified as belonging to me yet no investigation was completed on Equifax end. I demand Equifax to do a complete investigation on these accounts and to verify that they are 100 percent accurate and belong to me. my credit report has many inaccurate reporting items from Equifax on such said accounts. 

XXXX XXXX # XXXX ( date of last activity inaccurate ) XXXX XXXX ' XXXX # XXXX ( date of last activity inaccurate ) XXXX  XXXX # XXXX ( date of last activity inaccurate ) I have included my 3 Bureau report with this complaint outlining the inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 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: EQUIFAX, INC.
State: MA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account EQUIFAX reporting XXXX  Account # XXXX Bal Date XX/XX/22 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 response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: MN

Complaint narrative:
on XX/XX/XXXX I received a phone call asking for someone. I said No, I was not that person and was in the middle of asking " Who am I speaking to? '' hung up on. I immediately called back and found out it was for my wife from XXXX but it was something that was already resolved. So I disputed it with the rep there. Fast forward to today, XX/XX/XXXX, and the same thing happened. I got a call, they hung up. I called back but this time, the rep that answered the phone was trying to belittle me and was being very rude to me like I was the one doing something wrong. First, I already disputed it with them and they are already calling me back not even 2 weeks later. Second, how the rep treated me was not right either. She was told me that I was arguing with her instead of giving her the info that she was asking for. I asked for a supervisor and was transferred. I have attached screen shots of my call log proving this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was the victim of a scam. I am a XXXX XXXX XXXX mom that needs to make money. I looked online and found someone offering a job I could easily do. They offered to pay me before the work. I looked them up Online, their company, even their home address. Everything seemed legitimate. They told me they would cut the check through their work, XXXX, and not to worry about the endorsement on the back. I submitted that to my bank and there was an instant hold. I wasnt surprised to the amount. Then I noticed I no longer had access to my account to deposit or withdraw. I called boa and they said that the check was a bad check and that I was now a liability to the bank. Id been banking there for over 30 years and now Im a liability? I spent hours on the phone trying to get it fixed. I was passed along from person to person who treated me like a criminal. They all just said oh well and youll have yo appeal with the fraud department thats not with Bank of America. Here we are 3 weeks later and my account is opened and refunds are being submitted but the account is being closed and I cant open another account because Ive been flagged as a liability

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