vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
On XX/XX/2024, I received a text message that looked like it was from my bank saying someone tried to purchase something in XXXX from a game stop. They asked me if it was me and I responded no. Shortly after I got a call from XXXXclaimworker facetime audio. The individual on the other end said she was with citizens  and someone was trying to get money from me in the amount of XXXX and XXXX. The person who identified herself has XXXX and provided an ID number said in order stop the people trying to transfer money out of my account we had to do the same transaction to get it back. I was hesitate and multiple times said this sounds like a scam. Unfortunately she was able to talk me into it. The first transaction I was told to go to XXXX on my citizens bank mobile XXXX I had never used XXXX before but the person directed how to get there and walked me through what I had to do. I unfortunately did it and was told to send the money to claim worker XXXX XXXX. The individual then walked me through another one through XXXX XXXX. When the call was complete she said I would get a phone call tomorrow to confirm everything worked out and we hung up. When we hung up I immediately called Citizens Bank asking if this is something they would do and they said no. They immediately opened up a claim with Citizens and I was told with XXXX as well. I was able to stop the XXXX XXXX payment so I did not lose the XXXX dollars but not XXXX. I was advised to close my accounts and open new ones which I did the very next day. When I was at the Citizens Bank XXXX they advised that I would get the money back. I recently got a letter that I am not getting the money back because I authorized the money being sent via XXXX. I don't disagree but I was being scammed. I called to escalate and was told the decision was final. I was not told if they spoke to XXXX or anything. I have been with this bank for over XXXX  years and never had this happen. I am not sure they did a full investigation as they never took down the name XXXX XXXX and i have no confirmation they talked to XXXX as well. This is a tremendous learning experience for me but also a big hardship as the money was for something.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-25 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: MI

Complaint narrative:
Please see attached documents. Do not close this complaint stating it is not me. I am a natural person and a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 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: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I opened my business bank account with Wells Fargo under the name XXXX XXXXXXXX XXXX  and described it as a XXXX  company. A XXXX is for XXXX XXXX, and other professionals to use as a limited liability company. 

On XX/XX/24, I attempted to deposit a check at a Wells Fargo atm. The check was made out to XXXX XXXX XXXX XXXX. Two days later I found out that wells fargo had refused to deposit the check and removed {$12.00} from my account. 

I did not consent to the {$12.00} being removed from my account. I consider this to be theft. They have access to my money in their bank, and they removed {$12.00} without my permission. 

There is no excuse for them refusing to deposit this check, and taking money out of my account without my consent. I called 3 times asking them why the check was not deposited, and demanding they put the {$12.00} back in the account. The last time I called I spoke to XXXX ( Employee ID XXXX ). I demanded they return the {$12.00} since it was removed without my consent. 

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 explanation
Consumer complaint received 2024-04-25 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my credit report. Please remove these accounts from my report, they are hurting my ability to obtain 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 2024-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history. I implore you to promptly rectify 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 non-monetary relief
Consumer complaint received 2024-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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: TX

Complaint narrative:
The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history. I implore you to promptly rectify 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 2024-04-25 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: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-25 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:
There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked or deleted. MY REQUEST TO BLOCK IS NOT BEING MADE IN ERROR ; NOR IS MY REQUEST TO BLOCK BEING MADE ON THE BASIS OF MATERIAL REPRESENTATION OF FACT BY ME RELEVANT TO THE REQUEST TO BLOCK THE IDENTIFIED TRANSACTIONS, NOR DID I RECEIVE POSSESSION OF GOODS, SERVICES, OR MONEY. I AM NOT A THIRD PARTY OR CREDIT REPAIR SERVICE. The identified transactions are not information related to any transaction by me the consumer. DELETE OR BLOCK THE FOLLOWING ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX. DELETE THE FOLLOWING INQUIRIES : XXXX XXXX, XXXX 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 2024-04-25 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: DE

Complaint narrative:
On XX/XX/XXXX, I called USAA to report fraudulent transfers on my checking account resulting in XXXXXXXX XXXXXXXX dollars. They opened an investigation and claimed no fraud was detected. I called again two weeks later and found I was completely locked out of my account and my username, password, phone number, address, email, social security number was changed and the USAA representative had to help me log back into my account and change my information back, also discovered three accounts opened in my name a checkings, a Savings and a credit card. They reopened the investigation and claimed no fraud again. I called again on XX/XX/XXXX and talked to the CEO department, the department claimed to not know what the disconnect was because we live in XXXX and the charges are being made in central california, as well as all my personal information being changed and the addition of a person to the account, they had to reopen the investigation again and denied the claim again.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-25 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Property Receivables, Corp
State: FL

Complaint narrative:
Property receivable has placed me in collection for apartment complex that was not signed by me. 
Im requesting all documentations from this debt collector such as contract agreement with my information. I have not signed any contract with XXXX XXXX nor I lived in XXXX. 
I want property receivable to remove this debt from my credit report immediately or I will file a lawsuit in their county.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX {$400.00} XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

XXXX XXXX {$350.00} XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX {$460.00} XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Recently checked my credit report and noticed some inaccurate accounts reporting. Ive disputed via certified mail. 

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late payment for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: SELECT PORTFOLIO SERVICING, INC.
State: MI

Complaint narrative:
I sold my home and closed on it at the Title Company who paid the loan balance in full by wire payment on XX/XX/2024. The amount paid was based on the payoff letter provided by SPS Servicing who collects payments on behalf of the mortgage lender. On Saturday, XX/XX/2024, SPS Servicing called me to collect on the balance due on the mortgage. I told the representative that the loan was paid in full by wire payment the day before on XX/XX/XXXX, XXXXI was told that SPS would take XXXX business days to apply the payment with no reason given as to why it takes that long. 
I have called SPS Servicing daily from XX/XX/2024 through XX/XX/2024 to inquire as to why they have not applied the complete loan payment made by wire for amount due per their payoff letter. In each of these phone calls the customer service representative told me that they will be applying the payment at a later date but then back dating it to XX/XX/2024. On XX/XX/2024 the customer service representative for SPS Servicing informed me that they will take XXXX business days to apply the payment. On XX/XX/XXXX, another representative for SPS Servicing told me that they can take up to XXXX  days following receipt of the payment to apply the payment and prepare a release of lien. 
On XX/XX/2024 the SPS customer service representative told me that they see that I informed the Ombudsman for SPS to escalate the issue and apply the payment. He made no excuse or reason for not applying the payment other than to say that they can take up to XXXX  days to prepare the release of lien and he thinks that I owe SPS servicing more money but could not quantify the dollar amount. XX/XX/2024 is day XXXX of SPS servicing receiving the payment in full for the lien on my property and have not provided any information as to why the payment was not applied in the past week or if they think I owe more money that what was on the payoff letter they provided to me which took the interest out to XX/XX/2024. The other lien holder on the property applied the payment on the same day they received it on XX/XX/2024.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section XXXX ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-25 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: CA

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXXXXXX XXXXDate of Inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/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 2024-04-25 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.

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 2024-04-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: PA

Complaint narrative:
On XX/XX/XXXX I received a notification from Credit Karma about a pending charge from XXXXXXXX XXXX or phone for XXXX asking me if this was a legitimate transaction. I responded that it was not. Within a matter of minutes my phone was pinging non-stop. I got a notification that my phone number was changed on my account, and an email that my email address was being changed on my account. I immediately called credit karma spend while this was happening an they put me on hold for 40 minutes, while my account was being drained of funds. Then they get on the phone and after giving them all the information they tell me they don't have an account with my phone number or email. Which is what I just explained to them. All of these transactions out of my account were through a XXXX XXXX to someone in Ca. I am not in Ca., nor do I know anyone in Ca. Now they are investigating it. Over the weekend they required me to send in a copy of my license and me holding my license. Telling me they are still investigating. I tried to follow up two times after that and was told it is being handled in the investigations dept. Now I get an email that they have closed my account. Canceled my Karma card and my money is just gone. That they can no longer serve my financial needs? This took me months to save that money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I show a bankruptcy on my credit report. I contacted the court and they said they didn't furnish any information to the bureaus. It is clear they do not report to you or any credit bureau for that matter ; therefore the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted 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 2024-04-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-25 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: TX

Complaint narrative:
The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is XXXX. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my XXXX XXXX, disrupting my XXXX and XXXX XXXX XXXX  With utmost respect, I urgently request the immediate correction of my account, stressing the urgency of this matter.

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