vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have as a Shell gas card issued by Citibank for several years now and have always been able to configure and receive account alerts upon specific events. One very important alert I have always had was instant notification when I or any of my authorized users make a purchase using my account.

Over a month ago my son 's authorized user card was compromised and the number used fraudulently. Citibank then cancelled his card and issued a new card with a new card number. As soon as that new card was received and activated, the alert function ceased to work. I have reset the alert several times and have gone through trouble shooting steps with Citibank customer service representatives, but the alert when my card is used will no longer function. I consider that alert extremely important and Citibank, acting incompetently, does absolutely nothing to fix their technical issues leaving my account very vulnerable.

Yet another issue I have with my Shel gas card issued by Citibank is trying to reach customer service via telephone. When I call the number on the back of my card, I am asked for my credit card number to pass their phone verification system. If the number is not entered or entered incorrectly, Citibank aborts the call. The problem is that the number on the front of my card will *NEVER* pass the phone verification system. Citibank customer service representatives have stated that my account number os not really the number embossed on my card and I am expected to remember a different account number so that I can call Citibank. This is the most idiotic concept ever invented. When I need to reach Citibank for an urgent matter, I can not rely on the information on my credit card and must remember yet another account number at all times.

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 2022-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Comerica
State: MI

Complaint narrative:
Comerica bank, whom which I have had a business account with for 17 years allowed entities ( some known and some unknown ) to use my business tax ID XXXX under various ghost/shell companies and attached a book-keeping software to my account without my authorization. In XXXX of XXXX, I noticed that XXXX XXXX XXXX XXXX XXXX ) was making deposits into a checking account with only the name of Life Span Counseling with a different account number. I was not a XXXX provider, and discovered that the money was going into another account through Comerica Bank using my tax ID. After I discovered the aggregated data book-keeping software linked to my account, it was suggested by a web-banking representative that I change my business account number. After doing so in XXXX, the Book keeping data was reattached to my account for a brief period of time. I have only one business legal entity name registered at Federal and State which is XXXX XXXX XXXX XXXX XXXX. Some of these ghost companies invaded my account with other dba ( XXXX ) i.e., XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. ( See attachments of banking statement name change and an office manager changing my company name illegally for XXXX payments ). Although I received the second draw of XXXX loan in XX/XX/XXXX for {$2700.00}, my attempt to obtain the first draw of a XXXX loan was denied in XXXX XXXX with no reasonable explanation. It is my belief that one of the ghost companies obtained the first draw loan. I had discovered that the bank internally somehow changed my business address to other mailing addresses including an address that I have not lived at in over 17 years on XXXX XXXX XXXX Michigan XXXX. 
I have spoken with several bank managers, reported my concerns to Quality risk, fraud department, and filed police reports, with no resolution and lack of transparency I would like to know who obtained the first draw XXXX loan using my business tax ID XXXX and soc security number XXXX XXXX XXXX and why cant I get clear answers to all of the proof I have shown. I want to know all the dba ( XXXX ) used with my TIN and the amount of money deposited using those dba ( XXXX ) under via Electronic Funds Transfer with various health insurances. When, how, the amount, and who received of the first draw XXXX loan in XXXX. It also appears that there were at least on or other credit cards linked to another account that was not my account. 
Please see exhibits showing the variations of different DBAs

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Continental Finance Company, LLC
State: LA

Complaint narrative:
On XX/XX/2022 I emailed the documentation in regards to the SCRA Act for service members and there families. I faxed over the enlistment documentation for my husband showing his military status and I asked them too lower the interest rate accordingly and also to retro back the fees that was accrued doing the time before the documentation was submitted. Every other credit card company, loan, and even mortgage adhere to the law and I received the 6 % rate with all the fees retro back to me. Every time I called this company I talked to 3 different customer relations managers. There names were XXXX, XXXX, and XXXX. XXXX and XXXX were very helpful but XXXX was arrogant, rude, and snobby! 

I've called them over the last 3 weeks and they keep giving me excuses as to why I cant or shouldn't receive retro pay.

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 2022-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I was just going over my file I saw a few addresses that do not belong to me on my credit report. I was looking into getting a Government Job when I noticed the errors in my personal information. My address is XXXX XXXX XXXX XXXX XXXX OH, XXXX. I have been at this for over 5 years. The following addresses do not belong to me. I XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX # XXXX XXXX OH, XXXX XXXX XXXX XXXX CT XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, 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 2022-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: OH

Complaint narrative:
I was just going over my file I saw a few addresses that do not belong to me on my credit report. I was looking into getting a Government Job when I noticed the errors in my personal information. My address is XXXX XXXX XXXX XXXX XXXX OH, XXXX. I have been at this for over 5 years. The following addresses do not belong to me. I XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX # XXXX XXXX OH, XXXX XXXX XXXX XXXX CT XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
XXXX misapplied payment of {$1600.00} for XX/XX/XXXX error : statement shows XX/XX/XXXX on both XXXX & XXXX monthly mortgage statements correction : credit should be for XX/XX/XXXX XXXX XX/XX/XXXX was already applied on XX/XX/XXXX in the amount of {$1600.00} error : statement shows XX/XX/XXXX on both XXXX & XXXX monthly mortgage statements

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 2022-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
My address : XXXX XXXX XXXX XXXX, Sc XXXX My name to : XXXX XXXX XXXX My social security number is : XXXX My correct date of birth is : XXXX As proof of my identity, I have included copies of my drivers license and a utility bill. I have also included a copy of my credit report with the information I am requesting to be verified and deleted. 

Address XXXX XXXX SQ XXXX SC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 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: AL

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. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : 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 explanation
Consumer complaint received 2022-10-17 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have repeatedly sent disputes about negative items on my credit report.Some items are over seven years old I do not recognize some of the negative items.In XX/XX/2022 after many online disputes i sent certified letters with copies of my identification along with letters being notorized requesting validation of all debts reported on my credit reports with the original signed by me copies of the agreements sent to me or to have these items immediatly removed from my credit reports.I have not received any responce from XXXX, XXXX, or experian.The XXXX  account on my report shows to be past due and unpaid however if you check the accuracy you will find i pay them XXXX every week and can prove this.I also have been paying on that account for 22 years if you look at it.By XXXX 's on records i can prove i have paid XXXX in interest alone on that account.I am also a victim of credit karma letting a company called XXXX XXXX pull multiple hard credit pulls on me that were not authorized.I have disputed this many times with no results.My credit reports are not correct with multiple innaccuracies easily seen.I am wanting these incorrect items removed immediatly as it is hinduring my ability to live and function properly.Thank you

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 2022-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
My only identifying information is as follows : My address : XXXX XXXX XXXX XXXX, Sc XXXX My name to : XXXX XXXX XXXX My social security number is : XXXX My correct date of birth is : XXXX As proof of my identity, I have included copies of my drivers license and a utility bill. I have also included a copy of my credit report with the information I am requesting to be verified and deleted. 

Address XXXX XXXX XXXX XXXX XXXX XXXX, SC, XXXX XXXX XXXX XXXX, XXXX, SC, 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 2022-10-17 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: AL

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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : 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 2022-10-17 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. 15 USC 1681 ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the accounts listed below. These accounts are not accurate or correct. I would also like for the bureaus to provide the procedure used to verify these inaccurate items. 

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 XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: RI

Complaint narrative:
I have been charged {$510.00} in overdraft and sustained overdraft fees for XXXX XXXX transactions from XXXX. 
{$290.00}, {$240.00}, {$190.00} and {$190.00}. 
Citizens Bank sent me no notifications of any kind, but between XXXX and XX/XX/XXXX they recharged the same {$140.00} overdraft and {$30.00} sustained overdraft charges every three days for the same items. Despite the fact that they never paid them. 
My account is now overdrawn {$500.00} - all overdraft fees. 
I called customer service on Saturday XX/XX/XXXX at XXXX and was told I would get a supervisor callback. No one called me that night despite being open until XXXX. 
Today they claim they can do nothing to reverse any of these charges. 
Can someone please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I was away on Military duty in XXXX XXXX, LA since XXXX and someone stole my identity back in XX/XX/2022. I put a freeze on my credit report. But some how someone applied for XXXX different credit card that hit my credit report on XX/XX/2022. I call all three credit card company and none are willing to report this inaccurate information from my consumer report. 

XXXX XXXX XXXX  XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX I was out in the field training and did not have access to nothing to applied for this credit cards. 

All was access through XXXX credit agency. I requested all Three Main credit report agency that my someone stole my identity and alert too. 


I'm still waiting for all three companies to remove this inaccurate inquiries from my credit file. Yes I put alert in CFPB too Help please

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 2022-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Equifax has not updated my XXXXXXXX XXXX XXXX payment history or balance since XX/XX/2022. The other two credit bureaus are updated to XX/XX/2022 information. This is possible effecting my credit score because the credit availability is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 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: NJ

Complaint narrative:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX XXXX and I am the one filing this complaint not some company or not any other 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 accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 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: LA

Complaint narrative:
It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, XXXX, TransUnion credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -XXXX XXXX XXXX XXXXXXXX M XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX NEGATIVE ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

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 2022-10-17 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: LA

Complaint narrative:
It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, Experian, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/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 XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX NEGATIVE ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

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