vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
On XX/XX/2023 my Citi Custom Cash credit card was stolen while I was shopping at XXXX XXXX in XXXX, WA XXXX. Shortly thereafter, the card was used for the following fraudulent charges : XX/XX/2023 : XXXX XXXX - {$61.00} XX/XX/2023 : XXXX # XXXX - {$33.00} XXXX # XXXX - {$12.00} XXXX XXXX  # XXXX - {$9.00} XXXX  # XXXX - {$16.00} XXXX XXXXXXXX XXXX - {$0.00} XXXX XXXX # XXXX - {$170.00} XXXX # XXXX - {$49.00} XXXX XXXX XXXX XXXX - {$33.00XXXX XXXX XXXX - {$13.00} XXXX XXXX XXXX XXXX - {$30.00} After these purchases were made, Citi automatically flagged my card and disabled it with the correct assumption that my card had been stolen. I immediately contacted Citi to have the card canceled and the charges disputed, and they sent me a new card. 

However, despite the charges being credited to my card and a fraud investigation successfully being opened, the charges were *reversed* and *re-applied* to my card sometime in XXXX and the disputes were closed with the following message : Your dispute is resolved and no credit has been issued Our investigation is complete and a fraud credit will not be issued to your account. We recommend that you review your transaction history to see if the merchant already posted a credit for the transaction before reaching out to us for any questions. If you still need more information on the decision, you can contact us at XXXX ( XXXX XXXXXXXX ). 

Legally speaking, I am not allowed to be held liable for fraudulent charges made on my credit card, and Citi is violating consumer finance regulations by attempting to hold me liable for these fraudulent charges made on my credit card. I have contacted them twice since the credits were reversed to have them re-credit me for the fraudulent transactions, however, they have not done so either time despite the customer service representative reassuring me that the charges would be credited to me, and I believe that Citi intends to continue trying to illegally hold me responsible for these fraudulent charges.

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 2023-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On Saturday, XX/XX/2023, I deposited four checks at a Wells Fargo Bank totaling {$17.00}, XXXX. These checks included a check for {$5000.00} drawn from the XXXX XXXX XXXX and another check for {$12000.00} from a different credit union. On XX/XX/XXXX, the checks cleared and the money was withdrawn from the respective credit unions. On XX/XX/2023, a hold was placed on my Wells Fargo account which does not allow me to access the money deposited until XX/XX/XXXX. I need the money on the 10th. I contacted Wells Fargo today XX/XX/XXXX. The first two people I spoke to ( one was the manager of the first ) told me that the money was on hold. The manager told me that the hold was due to the credit unions ' request due suspicious activity. She was unprofessional in her interaction with me. I told her it did not make sense my account showed that the credit unions had released the money on XX/XX/XXXX. Moreover, neither credit union had informed me of any suspicious activity. She was adamant that was nothing she could do. I was transferred to a third person to file a complaint. She told me that Wells Fargo had the money but that the hold was placed nevertheless due the large deposit being suspicious. I told her that I have banked with them for over 20 years and have made large deposits before. I asked her that if making two deposits instead of one or making a series of deposits different days totaling the same amount would have made a difference. 
She did not know what criteria was used or what is typically used since that is not her department. She said there was nothing she could do as the policies are in place to protect me. The deposits were drawn from accounts in my name and I have made deposits from those credit unions to Wells Fargo in the past.

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 2023-04-07 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: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
Ally financial and XXXX XXXX XXXX is reporting fraudulent accounts to my credit file. A police report and an FTC identity theft affidavit was submitted and the credit reporting agencies refuse to remove the fraudulent accounts after receiving proof the accounts are fraudulent. I ask that the credit reporting agencies cease and desist from reporting fraudulent transactions without true verification. Police report and FTC Report attached

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 2023-04-07 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: NY

Complaint narrative:
XXXX XXXX and XXXX XXXX XXXX is reporting fraudulent accounts to my credit file. A police report and an FTC identity theft affidavit was submitted and the credit reporting agencies refuse to remove the fraudulent accounts after receiving proof the accounts are fraudulent. I ask that the credit reporting agencies cease and desist from reporting fraudulent transactions without true verification. Police report and FTC Report attached

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 2023-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have sent the credit bureau copies of my full name, address, social security number, and copies of documents for my personal information. I have requested them to remove misspelled names, addresses that are not mine, and that is not correct. I wish to get this resolved 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 non-monetary relief
Consumer complaint received 2023-04-07 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: SYNCHRONY FINANCIAL
State: MS

Complaint narrative:
PayPal locked my PayPal account and will not unlock it until I pay XXXX because they said I had a negative balance. In the meantime PayPal credit took XXXX out of my bank account and I cant get into my account to even change payment or anything. I feel as though I am being distorted out of money because Im not able to make any decisions on my account and they are making decisions without my knowledge.

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 2023-04-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: AXOS FINANCIAL, INC.
State: CA

Complaint narrative:
On XX/XX/2022, I opened a self-directed trading brokerage account with Axos Bank XXXX I signed up with a promotion whereby I would receive {$200.00} if I deposit {$2000.00} within 60 days, maintain that balance for at least 90 days, and conduct two trades of min. {$25.00} each. I deposited the $ XXXX funds in XXXX and held it more than 90 days. I also conducted two trades of at least {$25.00} back in XXXX. I contacted Axos several weeks ago via phone, and they said they would post the {$200.00} within the next few days, but they never did. Please post the {$200.00} bonus immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 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: FL

Complaint narrative:
I'm submitting a complaint to you today to inform you that I was a victim of identity theft. I search on how to remove the fraudulent accounts in my report and found that I need to visit FEDEDAL TRADR COMMISSION or https : //ww.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to removed /block any accounts listed o. ID theft report. Please find the attached documents to assist in the blocking of the erroneous information which is being posted yo my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1500.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$770.00}, XXXX XXXX Date Reported : XX/XX/XXXX Balance Owed : {$2100.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1400.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1300.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$950.00}, ABS XXXX Date Opened : XX/XX/XXXX Balance Owed : {$710.00}, XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1500.00}, XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$3000.00},

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 2023-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I'm submitting a complaint to you today to inform you that I was a victim of identity theft. I search on how to remove the fraudulent accounts in my report and found that I need to visit FEDEDAL TRADR COMMISSION or https : //ww.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to removed /block any accounts listed o. ID theft report. Please find the attached documents to assist in the blocking of the erroneous information which is being posted yo my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1500.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$770.00}, XXXX XXXX Date Reported : XX/XX/XXXX Balance Owed : {$2100.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1400.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1300.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$950.00}, XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$710.00}, XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1500.00}, XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$3000.00},

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to learn I have been a victim of identity theft. This has been hurting me as I am in the process of buying a home for my family. Please remove from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
Hello, my name is XXXX XXXX, I am writing to delete the following information from my file. The items I need deleted are limited in the report. I am a victim of identity theft. and did not make the charge. I'm trying to get a new car and these items won't get me approved. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible Fraudulent Accounts : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX {$2700.00} CREDIT COLL XXXX XX/XX/XXXX {$530.00} CREDIT COLL XXXX XX/XX/XXXX {$160.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$890.00}

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This complaint is addressed to TRANSUNION. I wrote to them about the errors in my report, including dates of last activity, dates opened, dates reported, and payment status, among other things. They claimed to have conducted a thorough investigation, despite the fact that it took them more than 30 days to finish it. However, when I reviewed my report, I found that nothing had changed. The false information is still being reported. 

My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 instruction.

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 2023-04-07 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: AL

Complaint narrative:
I have been notified by my XXXX bank account that there appears to be dark web activity against my account. It states that I owe {$81.00} for a delinquent policy payment to XXXX XXXX insurance. The vehicle involved was a XXXX  XXXX XXXX, which I have never owned. The Credit Collection Service phone # XXXX. 
The account in question is for XXXX XXXX XXXX Co, reference # XXXX My contact information is ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: NY

Complaint narrative:
Truist Bank ( email : XXXX ) RE : Loan Modification Agreement # XXXX for XXXX XXXX XXXX, XXXX, Connecticut XXXX XXXX XXXX and XXXX XXXX XXXX On XXXX XXXX XXXX I informed the Truist Bank that I, XXXX XXXX XXXX, who is co-owner of the property XXXX XXXX XXXX, XXXX, Connecticut XXXX, I could not and would not sign for a Loan Modification Agreement XXXX XXXX had applied for without my prior knowledge until the Friday of that following Monday when the documents were due to be submitted. I personally called Truist Bank and informed them but to my surprise I just learned these past few days that XXXX XXXX admitted to having my forged my name and found an notary public who fraudulently witnessed and notarized the loan modification agreement which XXXX XXXX then submitted loan modification agreement to Truist Bank Mortgage Department. I believe the notary public is from the XXXX of Connecticut. I am making a complaint against Truist Bank, the XXXX XXXX Connecticut XXXX XXXX XXXX Department. This is criminal act, and we can not have individuals conducting criminal acts against individuals.

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 2023-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Fraudulent accounts and inquiries appearing on credit report. 


1. XXXX {$380.00} XXXX. XXXX XXXX  XXXX {$560.00} XXXX. XXXX XXXX XXXX  {$120.00} XXXX. XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX XXXX {$2000.00} Inquiries XXXXXXXX XXXX XXXX XXXX, 2XXXX 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 2023-04-07 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:
Fraudulent accounts and inquiries appearing on credit report. 


1. XXXX {$380.00} 2. XXXX XXXX  XXXX {$560.00} 3. XXXX XXXX XXXX  {$120.00} 4. XXXX XXXX XXXX {$180.00} 5. XXXX XXXX XXXX {$2000.00} Inquiries 1.XXXXXXXX XXXX XXXX XXXX, 2. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TN

Complaint narrative:
XXXX XXXX XXXX, 2023 CHILD SUPPORT GARNISHMENT MADE filed XXXX XXXX, 2023, pension check deposited into account and garnished XXXX XX/XX/2023, {$160.00} pension money garnishment removed money from account XXXX XXXX, 2023, {$80.00} fee for fund transfer XXXX XXXX, 2023, {$160.00} garnished pension money deposited XXXX XXXX, 2023, {$80.00} fee access without explanation. 
7-5th 3rd policy not to garnish Social Security or pension deposit and maybe state and federal law. 
8-Pension deposit on confiscated after completed transfer of fee {$80.00} and charge twice {$160.00} for same transfer XXXX Contacted Bank ever day starting Saturday XX/XX/2023, disputing activity and remind them of their policy on pension funds

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 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: EQUIFAX, INC.
State: NE

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 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: TX

Complaint narrative:
Hi CFDP, I sent the credit bureau a letter asking them to verify the debt on my report with certified mail ( certified mail slip attached ) Regarding account : XXXX XXXX XXXX XXXX They have responded stating that everything is verified correctly. The credit report is still showing inaccuracies so I would like this resolved with my rights protected by 15 U.S.C 1681s-2 ( A ) ( 1 ). 

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. 

Information completely inconsistent need to remove item from my reports.

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 2023-04-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
Citizen 's bank offered a money market account with a specific interest rate if you added a minimum amount of new money to an existing account. This was done and confirmed by the bank but the bank never gave me the new rate and after several conversations of promising to adjust the rate and to also credit me with the over 3 months interest they owe to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I opened a new account with synchrony bank. They accepted XXXX deposits totaling {$61000.00} ( XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX ) and then my account was marked " restricted '' and I was blocked from accessing these funds completely. On XX/XX/XXXX, I called to clear up the situation, and was told the restriction would be removed. After noticing that it was not removed I called back ( same day ) and was told it would tak 2-3 business days to resolve it. I waited 5 business days and contacted support via online chat. I was told it would still be 2-3 business days. I expressed my concern that this bank had accepted my funds and refused to allow me access to them, and was failing to follow through on their promise to resolve it in 2-3 business days, but they insisted there was nothing they could do but wait until it was relased by " the back office ''. This is unacceptable. I told them I would like to close my account and have the funds IMMEDIATELY transferred to my other bank, and they insisted that even if I close they account, they can't release the funds until the " back office '' removes the restriction.

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