vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I have a Best Buy VISA card with Citi. I need to access my most recent statement in PDF form because my mortgage lender has requested it in advance of closing on a house this week. The XXXX statement closed two weeks ago but it's not available online. When clicking on the " view statement '' link, nothing comes up, just a refresh of the account home page. When clicking on the " statements '' header in the top menu, it pulls up the ability to pull an XXXX file of the transactions, but not the actual statement. 

I have tried on multiple devices and multiple browsers, with and without cookies, and with all the potential security/privacy features turned off ( i.e., popups allowed, etc. ). It's not a technical problem on my end. 

I have sent repeated requests to Citi about the problem but they refuse to actually review my question and simply repeat variations of the same basic technical issues ( only use this browser, try logging in and out, etc. ) or other generic information about how it takes 2-3 days after a statement close for it to become available. Literally, over and over, they send these insanely stupid responses that don't show any sense of reading comprehension. It's insulting, infuriating and intensely problematic for securing final approval of my loan. Hopefully my lender 's underwriting department is ok with a screengrab, but this is just nuts and could really hurt other people in similar situations. 

All I want is my statement, but they have a XXXX website, a XXXX customer support team and no interest in even hearing customer concerns. This company is anti-consumer.

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 2023-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

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 2023-08-02 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: CA

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-02 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: TX

Complaint narrative:
I have reached out to all three credit bureaus to let them know that I was a victim of identity theft and I have no knowledge of these accounts that are reporting. I have also asked for verification of all accounts which they have failed to do. My identity theft report from the federal trade commission is also attached to this report. 

XXXX XXXX  XX/XX/XXXX {$8100.00} XXXX XXXX XX/XX/XXXX {$7800.00} XXXX  XX/XX/XXXX {$1500.00}

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 2023-08-02 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: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have made a payment before the 30 day late payment deadline every month since XXXX  All of the sudden they are reporting my account 30 days late. 

The website mysteriously is saying I missed a payment in XXXX which is not the case!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some personal information. I have no knowledge of this and All is being investigated by the FTC.

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 2023-08-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: MA

Complaint narrative:
PNC bank bought and services two 20 year loans on two seperate homes. First mortgages on both. They have been collecting escrow monies on both and not paying my town. they also don't show the money back into my account for weeks at a time so I don't even get interest. I have been force to pay the town directly myself even though PNC has been collect to. they now have over XXXX dollars of my money. I have paid fees for paying direct and I think late charges and demand charges from my town. sent three different times signed papers for them to stop collect escrow. I also faxed. I have called them many times more than 10. I have been cold dropped. I have been hung up on. I have been transferred I was treated badly and rued even. They keep telling me they will call me back. I have received one message once and the other time they didnt say they would fix. I want to bring legal action against the abuse. I still have to pay the mortgage with escrow or they will not apply it to my balance and they will not count it as a payment. This is hard. I have XXXXXXXX XXXX and on in XXXX. I have three houses to pay for and my wife lost her job after 22 years and now makes XXXX the income. this is financially hurting me. carrying balances because they are not doing the right thing. this all started about 4 months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
XXXX XXXX was the executrix and sole heir of XXXX XXXX estate. XXXX XXXX passed away on XX/XX/XXXX. She had no children and did not leave a will. As her common law husband of 49 years, I am her sole surviving heir and a successor in interest. 

My completed loss mitigation application, submitted on XX/XX/XXXX, included a copy of the deed conveying the property from my wife to me. The attorney for the servicer requested additional documents ( death certificate for my wife and hardship letter ), which I submitted on XX/XX/XXXX. The complete loss mitigation application constituted a written request to be confirmed as a successor in interest. 

On XX/XX/XXXX, I contacted Citizens regarding the status of my loss mitigation application. The representative I spoke with said there was no application pending, even though Citizens counsel confirmed there was. By refusing to communicate with me about the status of my request to be confirmed as a successor in interest, Citizens failed to comply with federal law. 

On XX/XX/XXXX, Citizens requested documentation proving that either XXXX XXXX or I am a relative of XXXX XXXX. This request is unreasonable and unnecessary. XXXX XXXX was the executrix and sole heir of XXXX XXXX estate, and Citizens had previously recognized her as the successor in interest its XXXX complaint against her. The Complaint filed in XXXX included a deed granting title from XXXX XXXX XXXX to my wife, XXXX XXXX, and it included the letters testamentary granted to my wife over XXXX XXXX XXXX. 

Furthermore, on XX/XX/XXXX, I sent a Notice of Error outlining the above allegations. Citizens has still not responded to my Notice of Error, even though federal law requires a response within five business days. 

Citizens should immediately confirm me as a successor in interest to XXXX XXXX and communicate with me regarding my complete loss mitigation application.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clearly stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I went to the free annual report site and attempted to obtain all three of my credit reports. I was able to print, view or download XXXX and XXXX. But, Transunion denied my request. This was today : XX/XX/2023. 

I have reported this issue with Transunion on at least two previous occasions ; however, the CFPB has been ineffective in forcing Transunion to provide my credit report, which is by Federal Law mandates it to do so. Thus, I am submitting another complaint to the CFPB, to encourage it to fulfill Its responsibility as a federally-mandated watchdog over consumer issues, such as is outlined under the Fair Credit Reporting Act ( FCRA ).

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 2023-08-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: 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 2023-08-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
Navient did not email me the loan was due. I am not late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing this personal statement to address the presence of inaccurate personal information on my credit report. It has come to my attention that certain items listed on my report are not reflective of my financial history, and I strongly believe they are a result of errors or identity theft. As a responsible consumer, I regularly monitor my credit report to ensure its accuracy and to protect myself from any potential fraudulent activity. Upon reviewing my recent credit report, I noticed discrepancies that do not align with my financial behavior. I have no knowledge of the accounts mentioned, and I firmly dispute their validity. As a victim of XXXX, transunion and the dark web, I am being impacted with misspellings of my name, fraudulent inquiries, addresses that is causing me issues in keeping my reports and my name credible. Anything I've not authorized, or approved, even what is incorrect is fraudulent with my information being exposed by the Credit Bureaus.

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 2023-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing this personal statement to address the presence of inaccurate personal information on my credit report. It has come to my attention that certain items listed on my report are not reflective of my financial history, and I strongly believe they are a result of errors or identity theft. As a responsible consumer, I regularly monitor my credit report to ensure its accuracy and to protect myself from any potential fraudulent activity. Upon reviewing my recent credit report, I noticed discrepancies that do not align with my financial behavior. I have no knowledge of the accounts mentioned, and I firmly dispute their validity. As a victim of equifax, XXXX and the dark web, I am being impacted with misspellings of my name, fraudulent inquiries, addresses that is causing me issues in keeping my reports and my name credible. Anything I've not authorized, or approved, even what is incorrect is fraudulent with my information being exposed by the Credit Bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY
State: MI

Complaint narrative:
Check my credit seen an account i was a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
See proof attached. 
Over 30 days has past. 
Paid for deletion, yet account still reports, and reports derogatory. 
I have written proof that if paid, account will be removed from my report. As well as proof that it is paid.

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 2023-08-02 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: CORELOGIC INC
State: SC

Complaint narrative:
PLEASE REMOVE UNLAWFUL, HARMFUL, AND FRAUDULENT INFORMATION FROM THIS THIRD PARTY CREDIT REPORT. IT IS FRAUDULENT AND NEEDS TO 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 2023-08-02 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: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
On XX/XX/XXXX, I noticed significant fraudulent activity on my Chase debit card, I found that there were over 200 transactions totaling {$26000.00} from XXXX and their subsidiaries ( XXXX, XXXX XXXX  XXXX, XXXX XXXX and XXXX XXXX ). I reached out to Chase immediately to stop payment and close my card. As we could not get a hold of anyone at XXXX, we filed a complaint with the XXXX  on XX/XX/XXXX. On XX/XX/XXXX, XXXX XXXX, from XXXX contacted me. In our discussions with him, we learned that 61 accounts were opened with XXXX ( and their subsidiaries ). The transactions started on XX/XX/XXXX and ended when we closed the card on XX/XX/XXXX. XXXX also told us that only a valid US credit card is needed to open an account and they dont authenticate the card owner. At no point during this time period did Chase report suspicious activity with these transactions and vendors we had not done business with before. We also filed a police report with our local Police Department on XX/XX/XXXX. 

We also noted fraudulent accounts were opened with XXXX and XXXX. This activity, XXXX transactions, occurred between XX/XX/XXXX and XX/XX/XXXX for a total {$220.00}. Neither of these companies will share information with me. However, on an electronic communication with XXXX they said the email associated with the fraudulent account set up with my debit card was, XXXX. XXXX told me the email looks fraudulent as it only contains random numbers and letters. 

Even though the nature, scope, activity and dollar amount are significantly different, Chase has linked these claims together. Their final decision is that as we did not notify them of the XXXX activity within 60 days of the first transaction on our statement none of the fraudulent charges will be reversed. Including all of the {$26000.00} XXXX transactions. 

We do not know the identity of the person who stole my debit card number. We have been talking to XXXX, but they will not share account information with me and will only provide it to Chase or Law enforcement. To date, no one from Chase has reached out to XXXX. Chase will not refund me the stolen funds. Total amount is XXXX $ {$26000.00}, XXXX {$220.00}, so a total loss for us of {$27000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 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: CA

Complaint narrative:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report 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 2023-08-02 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: Experian Information Solutions Inc.
State: DE

Complaint narrative:
My ex fianc open up accounts in my name without my knowledge. I been trying to dispute the accounts on my credit report for the last two years and they keep saying the accounts are verified, I put a freeze on at core logic ( company that keep supplying the same info ) so I dont know how they are investigating the matter. My ex fianc also is willing to write and accept responsibility for what he did. Experian, 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 explanation
Consumer complaint received 2023-08-02 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: PA

Complaint narrative:
I wrote to XXXX and Equifax requesting an investigation of the following inaccurate accounts reporting on my credit report 30 days ago. The credit bureaus claimed that they have completed a reasonable investigation with the furnisher of the account and verified 100 % that the accounts listed below are accurate. However, the credit bureaus could not provide any documentation on any the accuracy of the accounts, the accounts are continuing to report errors on my credit profile, which is causing damage to my credit score. 

Accounts Below Equifax : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief