vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CITIZENS FINANCIAL GROUP, INC.
State: NM

Complaint narrative:
I spoke with XXXX XXXX of Citizen 's Bank yesterday about unresolved complaints I have submitted concerning the escrow account. In speaking with her, she disclosed that a representative with Citizen 's contacted the XXXX XXXX XXXX tax department and was informed that there is a balance of {$630.00} in unpaid property tax for the property from XXXX. XXXX XXXX told me that the XXXX XXXX XXXX tax department told the Citizen 's representative that the tax bill was sent to me directly. I told XXXX XXXX that I never received any bill from the City. I requested that XXXX XXXX provide me with all bills that Citizen 's was given by the XXXX. She told me that she could not do that because this information could not be extracted from their system. 

After speaking with XXXX XXXX, I contacted the XXXX XXXX XXXXXXXX tax department by phone and by email. I spoke to an employee with the department who told me that the {$630.00} tax bill was not sent to me. It was sent to a Citizen 's Bank in Texas and then re-routed to a Citizen 's Bank in XXXX XXXX because the bank in Texas informed the taxing authority that is where the tax bills needed to be sent. The bill has never been paid by Citizens via my escrow. When I closed on the property on XX/XX/XXXX, I deposited {$1000.00} into escrow at closing and I paid {$340.00} per month into escrow thereafter during XXXX. I was refunded {$520.00} at the end of the year of XXXX. I have no idea how the refund was calculated. I have requested of XXXX XXXX to provide an accounting of this. I have also requested verification of taxes paid in XXXX as reflected on form 1098 issued to me by the bank. This form reflects that I paid {$7900.00} in real estate taxes but the escrow account does not reflect this. 
In short, this is a hot mess due to Citizen 's Bank ineptitude and indifference they have exhibited towards me since day one of my contact with the loan officer who was absolutely awful in processing this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 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: ALLY FINANCIAL INC.
State: MS

Complaint narrative:
In accordance with the Fair Credit Reporting Act, these purported creditors have violated my rights. 
Under 15 USC 1681, section 602 my right to privacy is insured. Also, Under 15 USC 1681, Section 604A, subsection 2 it is also stated that a consumer reporting agency can not furnish an account without my written instructions. 
Under 15 USC 1666B, a creditor may NOT treat a payment on a credit card account under an open and consumer credit plan as late for any reason. 
I demand that these unauthorized recording be removed from my credit record immediately.

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 2023-10-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XX/XX/XXXX received text message at XXXX informing a charge in the amount of {$180.00} with XXXX and {$180.00} with XXXX as well. I am in possession of this credit card and it has not been activated. This is the 3rd time XXXX / Wells Fargo issues a new number and new fraud happens. This time the credit card has been removed from my online profile which doesn't allow to monitor any activity. Wells Fargo repeatedly has been failing on their fraud prevention and clearly has a glitch that allows the fraudsters to obtain the information as soon as a number has been issued.

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 2023-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Payactiv, Inc.
State: CT

Complaint narrative:
Monday, XX/XX/2023, I received a XXXX XXXX card in the mail from Payactiv. I did not request this card nor did I open an account with them. I believe this was fraudulently opened in my name. I contacted Payactiv to report the fraud and close the account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 00:00:00
Product: Credit 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: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
I filed multiple disputes with my credit card company Apple in the amounts of : {$40.00} on XXXX won in my favor {$25.00} on XXXX won in my favor {$25.00} on XXXX won in my favor All these amounts were unauthorized and I am happy with the above amounts won in my favor. I am however filing this complaint because my credit card was on file with this company " XXXX '', so " XXXX '' fraudulently billed my Apple credit card in the amount of {$500.00} on XXXX for filing a chargeback with my credit card company Apple. I closed out my credit card with Apple immediately, and filed a dispute against this {$500.00} amount.XXXX tried to charge me an additional {$500.00} on XXXX but my Apple card had already been closed out. 
Today XXXX I get a response back from Apple saying XXXX won the chargeback against me for this " Dispute Fee ''. How can this be though when the 3 above only charges were wiped away because they were won in my favor. So this makes it where I never did any business with " XXXX ''. You can not charge me a chargeback fee, when I never did any business with this company " XXXX ''.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian has fraudulently put a derogatory remark on my credit profile listed as XXXX XXXX XXXX. As I have contacted Experian to resolve the fraud with dispute XXXX XXXX they had told me no verification of debt was needed and that their client also does not need to verify the debt violating numerous laws. Once I stated I needed to speak to the supervisor or fraud department to resolve the issue they refused to transfer me. The number I called was XXXX XXXXXXXX I got XXXX, XXXX, XXXX and XXXX each time I called they hung up during the transfer to a supervisor and refused to transfer my call to the fraud department. When I disputed this in the past, I have made a complaint to CFPB to investigate the activities at Experian with regard to this matter file XXXX  XXXX. As you see Experian responded to you with a LIE saying they were working on the dispute, when in fact they have closed the dispute without any verification of the debt AGAIN and have given no further information on the validation of the debt since. Experian is conducting fraudulent business practices hurting the public, lying to regulatory authority and breaking federal laws.

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 2023-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Credit Karma, LLC
State: FL

Complaint narrative:
My employment checks was deposited in to credit karma/ MVP banking, I had notified them that some one keep changing my address and phone number, then they had frozen my account, I had to summit many documents proving who I am, it's been over two weeks, and they still refuse to give me my funds. I spoke to the private investigator, he told me that they have the ip address of the person who did it. And that he promise that they was going to release my money. As of today I still haven't had no luck with retrieving my funds. They are treating me as if I'm the bad guy. When I'm the victim... I've XXXX many emails and all they do is ignores my emails.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-31 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: NJ

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 U.S.C 1681. 
Account Name... XXXX XXXX XXXX... Account # XXXX ... Account Name.. XXXX XXXX XXXX.. XXXXXXXX XXXX.. Account Name XXXX XXXXXXXX XXXX XXXX.. Account Name... Experian XXXX XXXX... 
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..

15 u.s.c 1681c. ( A ) ( 5 ) section states : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years..

15 u.s.c 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a 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 explanation
Consumer complaint received 2023-10-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-10-31 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: FC HoldCo LLC
State: IL

Complaint narrative:
XXXX XXXX XXXX 1 year 5 months Inquiry Date : XXXX They have checked my credit 4vtimes in the past 2 years. Do not know who they are

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 2023-10-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
On XX/XX/2022 an unauthorized transaction occurred on my account. A guest in my home, while I was sleeping, had taken XXXX of XXXX cell phones that I owned at the time. And sent himself XXXX $ from My account. After he stole money from me he attempted to change personal info on my cash app account which he was not 100 % successful in doing. This all occurred around XXXX and upon my waking up and realizing my phone and my guest were gone, I immediately checked my other phone and noticed there missing funds and immediately told cash app about the incident and explained to them that who they were talking to in the chat earlier was not me. I verified myself and then made my complaint. Cash app came to the conclusion that the transaction was authorized by me. I explained again that, no I am the verified owner of the account and it was not authorized. Still after countless dialogue with them I have never been able to recoup those funds. On XX/XX/2022 an unauthorized transaction occurred on my account. A guest in my home, while I was sleeping, had taken XXXX of XXXX cell phones that I owned at the time. And sent himself XXXX $ from My account. After he stole money from me he attempted to change personal info on my cash app account which he was not 100 % successful in doing. This all occurred around XXXX and upon my waking up and realizing my phone and my guest were gone, I immediately checked my other phone and noticed there missing funds and immediately told cash app about the incident and explained to them that who they were talking to in the chat earlier was not me. I verified myself and then made my complaint. Cash app came to the conclusion that the transaction was authorized by me. I explained again that, no I am the verified owner of the account and it was not authorized. Still after countless dialogue with them I have never been able to recoup those funds. Case numbers are XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Someone tried to apply for a credit card in my name with Chase Bank. I contacted chase right away to let them know this was not me. They said they would not approve the card and remove the inquiry. this happened XXXX they still have not removed the inquiry and its XXXX XXXX. I have contacted chase XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

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. 

Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX  Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States :
no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 2023-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
See attached documents, the personal information you are reporting are not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IA

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. 

Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 2023-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IA

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. 

Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 explanation
Consumer complaint received 2023-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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. 

has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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 2023-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have several inaccurate and inconsistencies on my credit report. XXXX, Experian, and XXXX have been contacted via phone and mail about any and all errors on my reports, but have not corrected or provided me with proof of a true investigation for my disputes. 
I have attached my trimerge report provided by XXXX and my credit report from XXXX, A dispute response from XXXX. Here is a list of things that are missing, inaccurate, and inconsistent on my credit reports. 

Experian Report : My name is XXXX XXXX XXXX, but is reported as XXXX XXXX and many other variations. 
My address is XXXX XXXX XXXX XXXX FL XXXX, but there are 3 extra addresses on my report. 
They're reporting 2 late payments for XX/XX/2017 on my XXXX XXXX acct XXXX XXXXXXXX ... and acct XXXX XXXX, which are incorrect. I've never been late. 

XXXX Report : They're reporting 1 late payment for XX/XX/2017 on my XXXX XXXX Acct XXXX XXXXXXXX. I've never been late. 

XXXX Report : My name is XXXX XXXX XXXX and they're reporting it as XXXX XXXX and other variations.

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 2023-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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. 

Account Name XXXX XXXX Account Number:XXXX Account Name : XXXXXXXX XXXX  Account Number:XXXX Account Name : XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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