vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank is currently taking advantage of customers by allowing a monthly service fee to trigger and overdraft fee charge. Banks that need to find predatory ways to gouge money from customers like this should be sued and fined for those practices. XXXX XXXX, XXXX XXXX, and XXXX  XXXX XXXX no longer do this because they have been sued over it. Even though we're still dealing with the pandemic they haven't adjusted any of their business practices. My concern doesn't just sit with me its the concern there are those whom can be harmed just like me. The error in my situation was the banks fault and they tried to blame me and write off the lack of integrity a bank would need to have to allow their own charges to trigger other charges. I want others to be safe and understand that Citibank 's style of business is predatory and they shouldn't bank with an institution like this.

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 2022-03-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: CA

Complaint narrative:
On XX/XX/2022 around XXXX I got a transaction of {$3400.00} on Cashapp from a friend and wanted to transfer it into my bank account. My phone number changed recently and I was unable to transfer it because I needed to verify my identiy, however, the only method my bank had to do so was with my old phone number. Since it was XXXX, I couldn't call my bank to change my number. At XXXX the next morning, I called and asked to fix it. 

I went back to my Cashapp, and it was logged out. I tried to sign back in, but again, the only way I could sign in was through my deactivated phone number. 
I tried to sign in using the other methods provided, such as verifying my identity with the card on file for that account, but I was still denied. 

I contacted support, gave my last SSN digits, my full name, my birthday, and still I was denied. It seemed as though they were satisfied with what I gave as identification because they said they were going to " attempt '' to release the account back to me, but then when I did the steps to sign back in they said it was denied. 

When asked to simply transfer the funds to my bank account that was already linked, the only thing they would say to me were " We use variety of security measures to protect your account. We review multiple data points in real-time to determine whether we can grant access to another account or balance. If anything appears out of the ordinary, we won't be able to complete the action. I can't manually override this decision or provide additional details, and no further action can be taken. If there's anything else you need today, feel free to reach back out anytime ; we're here to help from XXXX to XXXX ET. '' When asked to try again, I got the same response. 
I asked " I don't understand. If it's due to security reasons what is it securing if you won't even let the owner access it? '' In which the response was " I don't have any new info to provide on this issue. For questions or concerns outside of this, I'm more than happy to help. If there's anything else you need today, feel free to reach back out anytime ; we're here to help. '' They essentially told me that my {$3000.00} was stuck in an account that I can't access due to security reasons although I've given all the information they've asked for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
Was paid in full on XX/XX/2017 by insurance company and title was sent to insurance company. Ally financial continued to report unpaid debt and false reporting to credit bureaus. Continues to be on my credit report as unpaid debt/charge off which is incorrect and should show paid in full.

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 2022-03-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R & B Corporation of Virginia
State: CA

Complaint narrative:
I have never had an account with these companies, I have never lived at the location they gave the service to, someone opened an account in my name at those locations and then never paid. I've been trying to remove it for 4 years now. When I last talked to the companies and told them this debt is not mine they told me I still needed to pay it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I was told Bank of America was not able to obtain my XXXX tax transcript I called the IRS on XX/XX/XXXX and spoke to XXXX XXXX XXXX ext XXXX ) who confirmed my XXXX tax returned was filed and the transcript is in the system but her computer was not allowing her to send a copy to me so she said to call back to get someone else, I called 5 times that day but could not get through because call volume was too busy. 

I called the IRS again on XX/XX/XXXX and spoke to XXXX XXXX ( ext XXXX ) who confirmed my XXXX tax returned was filed and was in the system and she could mail a copy to me. She could not fax or email A bank of America representative was on the phone with me and heard the IRS lady confirm and I asked her to note my file and escalate that confirmation. 

Please clear the issue of unverifiable income from the XXXX tax return issue when bank of America was alleging I did not file it but provided it to Bank of America causing a discrepancy Please contact the IRS to confirm and request a tax transcript, as soon as the paper copy arrives I will send it right away to Bank of America I filed a CFPB complaint and Bank of America assigned my loan to XXXX XXXX who was very helpful. She was working on clearing a quality control issue regarding my income where they kept stopping me from being reviewed for assistance. 

The other issue is per the CFPB all mortgage servicers are required to review everyone who was in the COVID forbearance for assistance to be brought current. Bank of America never reviewed me because of their own policy with the unverifiable income flag on my account which was and is in error verified by the IRS She called me and said the foreclosure was put on hold and there was not sale date to give them time to work on clearing this issue since my income is from VA military XXXX and social security only and is very easily verifiable. 

This was confirmed as far back as XX/XX/XXXX and they gave me my case number and her direct fax As of today there is still a foreclosure sale date and it should be canceled per XXXX XXXX communication

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 2022-03-28 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: GA

Complaint narrative:
In Accordance with the Fair Credit Reporting Act : XXXXXXXX XXXX  Account # XXXX Has violated my rights. 
15 U.S.C 1681 Section 602 A States : I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 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 2022-03-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Winklevoss Exchange LLC
State: NJ

Complaint narrative:
I have an active account with Gemini www.gemini.com. they have had the account for over a year and they always are able to withdraw from my XXXX account. Went to make a withdraw and surprisingly they are not compatible to send money to my XXXX account. Wrote to customer service and they provided a code for me to issue a wire to them. Called XXXX as i had never heard of a wire transfer to receive money. They agreed. An ACH Collections account could be provided, but i would need their banking routing and related information according to XXXX. They asked for my bank statement which i provided but makes no rational sense as well as my checking information to attempt to facilitate the withdraw. Provided my telephone number as they do not have one! HELP!!!! THESE PEOPLE SHOULD NOT BE IN BUSINESS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 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:
XX/XX/XXXX {$10000.00} XXXX XXXX XXXX  XX/XX/XXXX {$500.00} XXXX XXXX XXXX  XXXX XX/XX/XXXX {$3000.00} XXXX XXXX / XXXX XX/XX/XXXX {$17000.00} XXXX XXXX XXXX In accordance with FaIr Credit Reporting act these accounts has violated my rights. 
15 U.S. Code 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 2022-03-28 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:
XX/XX/XXXX {$10000.00} XXXX XXXX XXXX  XX/XX/XXXX {$500.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$3000.00} XXXX XXXX / XXXX  XX/XX/XXXX {$17000.00} XXXX XXXX XXXX In accordance with FaIr Credit Reporting act these accounts has violated my rights. 
15 U.S. Code 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 2022-03-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRUIST FINANCIAL CORPORATION
State: IN

Complaint narrative:
On XX/XX/XXXX, I received a letter/statement from Truist Bank , alleging it was servicing an account of which I have no knowledge of, attempting to collect an " Overdrawn Balance '' of {$110.00}. The account number referenced in the letter from Truist Bank is # XXXX. Truist Bank apparently operates out of XXXXXXXX XXXX XXXX. I am a resident of the state of XXXX and have never lived in, banked in, or contracted with any company for credit or services within the state of XXXX XXXX. An attempt was made to steal my identity, along with my wife 's identity, in XXXX, involving BB & T Banking. In that matter, the XXXX XXXX, XXXX Sheriff 's Department made an incident report, and that bank closed XXXX ( XXXX ) accounts that were fraudulently opened under our names thru Internet Banking services BB & T provides.

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 2022-03-28 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: TX

Complaint narrative:
After speaking with XXXX Bank, new information has come to light on their reflecting late payments to their company. Their claim is that I purchased an XXXX at XXXX in XXXX of 2021. As earlier reported, I gave my son permission to purchase the system via XXXX XXXX. I have found the receipts and the proof that he purchased the system months later using out XXXX XXXX card at XXXX XXXX. XXXX, we have a case of identity theft. We did not make this charge, it should be removed from my credit report. Further, I paid the invoice because I wanted to stop the negative information. I would like to be reimbursed for the amount I paid. 

Note also that the purchase was made and picked up in XXXX area. 

I have the receipts, serial numbers, etc of our purchase. 

Please help me resolve this with XXXX Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-28 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: HYUNDAI CAPITAL AMERICA
State: GA

Complaint narrative:
I sent every company letters disputing all the alleged debts and delinquent accounts. According to the Fair Credit Reporting Act section 609 and 611 all of these accounts should be removed.

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 2022-03-28 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: Lending Club Corp
State: NC

Complaint narrative:
I sent an FTC report to all 3 credit bureaus. XXXX and XXXX removed my fraudulent account. On XX/XX/2022, XXXX removed my fraudulent Lending Club account from my credit file. Then again on XX/XX/2022 and again on XX/XX/2022 and again on XX/XX/2022. On four different occasions within a three week span. I don't know why this is continuing to happen and who's breaking the law. But I'm overwhelmed by what's going on and would like to have this fraudulent account from Lending Club removed from my credit file and report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 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: CA

Complaint narrative:
I have previously contacted XXXX about an item on my credit report that had stemmed from identity theft. I have not been notified about any results and the item remains on my credit report. According to 15 U.S. Code 1681c-2 ( a ) a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. Please refer to the attached documents.

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 2022-03-28 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: CA

Complaint narrative:
I have previously contacted XXXX about an item on my credit report that had stemmed from identity theft. I have not been notified about any results and the item remains on my credit report. According to 15 U.S. Code 1681c-2 ( a ) a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. Please refer to the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Last year I called all three credit Bureaus regarding the inquiries thats been reporting on my credit report. I informed them that Ive contacted the companies and that they aggressively to remove them but hasnt the credit bureaus transfer me to the fraud department and I was told that the matter would be taken care of and now I still see these inquiries on my report including more. Ive been trying to get a Mortgage loan and when I see my report I see more inquiries reporting on my credit from this year XXXX. I have the MyFICO app which told me that my personal information is on the desk web. The inquiries thats listed on XXXX : is XXXX XXXX  XXXX XXXX and XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX TRANSUNION Inquiries : 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 sXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. XXXX Inquiries : 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 XXXXXXXX. 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 2022-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Last year I called all three credit Bureaus regarding the inquiries thats been reporting on my credit report. I informed them that Ive contacted the companies and that they aggressively to remove them but hasnt the credit bureaus transfer me to the fraud department and I was told that the matter would be taken care of and now I still see these inquiries on my report including more. Ive been trying to get a Mortgage loan and when I see my report I see more inquiries reporting on my credit from this year XXXX. I have the MyFICO app which told me that my personal information is on the desk web. The inquiries thats listed on EQUIFAX : is XXXX XXXX XXXX XXXXXXXX and XXXX XXXX. XXXXXXXX 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 XXXXXXXX XXXX XXXX. XXXX Inquiries : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 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 — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
On XX/XX/XXXX, XXXX of my credit cards were stolen from my car. It happened at the XXXX XXXX parking area of the XXXX XXXX XXXX XXXX sometime between XXXX and XXXX AM. Shortly after, all XXXX  cards were used multiple times at multiple XXXX XXXX The other cards detected the fraud almost immediately and denied all but one or two of the charges. The XXXX XXXX card, managed by Synchrony, allowed 7 fraudulent transactions, all just over {$2000.00}, across three different stored within a matter of an hour or two. We reported the card stolen and the company mailed a new card. We then called on XX/XX/XXXX and talked to service who said they would remove the charges. We also submitted a written dispute. 

Now, over a week after the incident, the charges are still on the account and Synchrony is reporting an over limit balance of {$15000.00} to the credit bureaus. Worse, on XX/XX/XXXX, AFTER the card was reported stolen, it appears they may have allowed a balance transfer from another card. I need these charges removed.

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 2022-03-28 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 recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, experian and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

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