vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
In XXXX  I applied for a covid hardship plan with Freedom Mortgage and we agreed of the payback amount before the contract was finished. MY payback amount was {$490.00} a month so, I asked could I start paying on it? I was told I could, so I started that very next month. I paid until I kept getting the run around of the contract, it was the same excuse all the time VA was backed up on their paperwork. I decided to get VA more directly involved and I was told I didn't have to pay them anything until the contract was complete. So, when I do finally get the contract it is totally different on the amount that we had agreed upon by over {$200.00}! I called Freedom Mortgage and they did acknowledge that it wasn ; t the original offer and told me, they would see if they could honor the first contract but, didn't never called me back. My VA Loan XXXX XXXX XXXX XXXX was on the phone with Freedom Mortgage last week and I was told over the phone what I need to summit to keep my home from going up for sale, I seent all three documents that their Liquidation Department. I called back on the XXXX as I was told to find oud that they sent me a letter out on the XXXX for the same documents? I'm a 100 % Protected XXXX XXXX  and they sold my home on XXXX and was served an illegal eviction notice from new owner?

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 2023-02-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: DE

Complaint narrative:
Citibank has locked me out of my account because I was transferring funds of the same amount from my savings account to my linked checking account. They now will not let me into my account because they say my phone number is not " verfied ''. I asked her how to " verify '' my phone number and she told me to XXXX it. Even though the number I gave her was the number she has listed, it is not " verified. '' The case has been escalated and they all give me the same answer with no directions on how to actually verify my number. All I want to do is to close 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 2023-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: VA

Complaint narrative:
On XX/XX/XXXX, I contacted CHIME bank which is XXXX XXXX since I opened an account a few years ago. 

I make XXXX online payment of {$75.00} every month or when the payee requests extra payment. On XX/XX/XXXX, the payee told me that he did not receive several payments on different dates and asked me to cancel those funds asap. I checked my statement and it shows that the checks were cashed so I called CHIME to get copies of the checks. 

I spent XXXX hour and a half waiting for someone who could help me to get a copy of the cashed checks but after several transfers from person to person no one helped me. 

Today is XX/XX/XXXX and I'm still waiting for copies of checks or these amounts to be returned to my account. CHIME keeps sending me emails that they are working on that but there is not solution and they do not care at all. When I call they do not have a clue about anything and is impossible to get an answer from anyone. This money disappeared from my account and they can't provide any proof of cashed checks. 

Someone needs to audit this bank because they are stealing money from their account holder and since it is an online bank you can't go to ant branch. 

Please help me to hold them accountable for deceiving customers. 

Thank you!

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

Complaint narrative:
XX/XX/XXXX I mailed an Opt Out Notice and validation request to XXXX. I requested that both accounts acct # XXXX be validated request listed below : Copy of my written consent to form a credit report on behalf of entity XXXX XXXX XXXX ; The amount they claim the Principal owes them ; A letter of explanation showing me how they have computed the amount ; Contract with both WET INK Signatures ; Copies of any document that prove I agree to pay the alleged amount ; Confirmation that the account has not reached the statute of limitation ( SOL ) period ; Evidence of your license numbers and your registered agent ; XXXX ignored my request and continued to report after I opted out and revoked my permission. They were informed of the privacy act of 1974 as well as all other violations below. 
XXXX never produced any of the requested information above including any such contract with both my wet signature or theirs. 
The privacy act of 1974 15 USC 6802 15 USC 1681 Violation of 15 USC 1681a ( 2 ) ( a ) ( 1 ) Violation of 15 USC 1681 ( a ) ( 2 ) Violation of 15 USC 1681 ( a ) ( 4 ) Violation of 15 USC 1681 ( b ) ( c ) Violation of 15 USC 1681 ( b ) Violation of 15 USC 1692 ( f ) Violation of 15 USC 1681n Violation of 15 USC 1681s-2 ( a ) ( B ) ( i ) ( ii ) Violation of the Fair Credit Reporting Act ( F.C.R.A. ) Violation of the F.D.C.P.A Defamation of character XXXX XXXX is in violation of multiple US Codes, Privacy Act of 1974 and FCRA. All XXXX accounts are to be removed from my credit report Per 15 USC 6802. XXXX has stated in their own privacy policy that I have the right to opt out of sharing to non-affiliate and they are not affiliated with any of the credit bureaus XXXX, XXXX XXXX, XXXX, Transunion, XXXX XXXX, XXXX XXXX XXXX etc.

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 2023-02-08 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: CCF Intermediate Holdings LLC
State: CA

Complaint narrative:
My last Payday loan was already paid off in person in XXXX XXXX CA. Check into Cash but about weeks later, the business took additional {$300.00} funds out of my account. Contacted the store and the corporate and they said they will reverse the fund but wasnt done after several business days : The General Manager never follow-through with email correspondence since last week and the staff said they cant do anything about it to reverse the funds when they were contacted. Thank you for your careful review and advocacy regarding this matter. 

With gratitude, XXXX XXXX

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

Complaint narrative:
In 2017 I had made reports by phone, e-mail, and by writing letters using the U.S. Postal Service to three credit agencies explaining that the accounts on my credit report were inaccurate. The three credit agencies I reported to are as follows ; XXXX, Equifax, and XXXX. The three agencies had informed me in order for them to take further action I would need to dispute the accounts with them and the companies that reported the accounts. I completed the requests they had made. Two weeks after doing what they had asked I came to no resolution with the problem. My report remains inaccurate and more accounts have been added since then. This has been an ongoing problem for me with no resolution. I had froze my accounts numerous times and had told them about the ongoing fraudulent activity only to be ignored. Due to the outcome of the many situations, I have been unable to obtain business loans, credit that I have needed, denied housing, and have been unable to obtain employment with the U.S. government. I feel that my hands are tied at this moment and the only way id be able to resolve the issue is to obtain legal counsel being that my family and I have dealt with this problem for six years straight. Thank you

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

Complaint narrative:
see document attached

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank Of America California XXXX XXXXt Department XXXX XXXX XXXX Account XXXX I have {$1000.00} in funds in my B of A - XXXX account, which were frozen by B of A. 

I communicated with the XXXX and they stated via email ( Attached ) that B of A had frozen the funds, because of outstanding debt relating to a line of credit, mortgage, credit card, or because of fraud. 

I have have never had any type of account with B of A, and am not being investigated for unemployment or any other type of fraud. 

Since this is not a traditional checking account, the account info noted on the next page is the XXXX XXXX XXXX # associated with the 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 2023-02-08 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 non-monetary relief
Consumer complaint received 2023-02-08 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: CA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 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 2023-02-08 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: Synovus Bank
State: FL

Complaint narrative:
THERE WAS AN ACCOUNT OPEN FRADULENT IN MY NAME I SENT ALL SUPPORTING DOCUMENTS TO HAVE THIS MATTER RESOLVE. I RECIEVED A LETTER FROM FIRST PROGRESS CARD AND A LETTER STATED THAT THEY DID An INVESTIGATION REGUARDING MY DISPUTE AND THE LETTER INFORMED ME THAT THIS MATTER IS RESOLVE IN MY FAVOR THERE WERE A CASE NUMBER # XXXX THAT WAS CREATED FROM THE COMPANY .AND THAT AN UPDATE WILL BE SENT TO THE CREDIT REPORTING AGENCIES AND An UPDATE TO REMOVE /UPDATE MY ACCOUNT TO ALL 3 CREDIT REPORTING AGENCIES. AS OF XXXX THIS COMPANY HAS REPORTING TWO OTHER ACCOUNTS ON MY CREDIT REPORT WHICH IS INACCURATE AND FRADULENT FROM THE COMPANY. I HAVE FILED ANOTHER DISPUTE XX/XX/. IM ALSO ATTACH COPIES OF MY CREDIT REORT WHICH IS SHOWING PROOF OF THE INACCURATE INFORMATION AND FRADULENT ON MY ACCOUNT. I THINK ITS UNFAIR TO TELL A CUSTOMER WHO IS A VICTIM OF IDENTITY THE MATTER WAS RESOLVE AND THE COMPANY GOES AND LIE AND STILL REPORT FRADLUENT ON MY CREDIT REPORTING.

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

Complaint narrative:
In accordance with the fair credit reporting act XXXX  Account XXXX  XXXX XXXX, XXXX XXXX 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 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
Consumer complaint received 2023-02-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A XXXX  PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 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 2023-02-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
Unable to access my accounts online due to a system upgrade done by the bank last Friday So far its been four days without access. No forecast as to how much longer.

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 2023-02-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
When I was struggling to pay my mortgage while I was in bankruptcy, I applied for a loan modification and was denied a couple of times. This denial took place around XXXX and 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 2023-02-08 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: FL

Complaint narrative:
XXXX XXXX is showing on my credit with a balance of over {$5000.00}. This was paid off back in XXXX of 2022 and has a XXXX balance. This is fraud that its showing on my credit and there is no balance and this needs to be removed 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 2023-02-08 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: CA

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
In XXXX of XXXX, I wrote out XXXX checks from my personal checking account at Citizens Bank : Check Date XX/XX/XXXX, Check # XXXX, Payee XXXX XXXX XXXX XXXX, Check Amount {$6300.00}. 

Check Date XX/XX/XXXX, Check # XXXX, XXXX XXXX XXXX XXXX XXXX, Check Amount {$6300.00}. 

Someone got a hold of these checks and created fraudulent checks with the exact same check # and amount. The only difference were the names the checks were made out to. 

Instead of XXXX XXXX Vacation Owners a check to XXXX XXXX was deposited for {$6300.00} and instead of XXXX XXXX and XXXX a check to XXXX XXXX was deposited. 

I reported this fraud to Citizens Bank in XX/XX/XXXX once we realized what had happened. They submitted a claim, but it was denied because we didnt notify them in time. 

I escalated this to a banking contact at Citizens Bank and was put us in touch with someone in their fraud department. I left multiple messages for the fraud department, but never heard back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: CA

Complaint narrative:
Over the last XXXX  years, I have experienced an extremely large amount of funds being debited to my account as " over draft fees ''. When going over statements, it is clear that the overdraft fees were most often taken prior to the actual transaction was to post and clear. 
This activity has been going on for years. I have complained to the bank on numerous occasions with the results continuing even thru this last week where XXXX charges totaling {$170.00} were withdrawn from my account. 
It is my belief that US Bank uses this form of theft in their normal business practices and would like to see it stopped.

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 2023-02-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Re : Complaint against XXXX XXXX  Account number ending in XXXX I am in distress! I log onto Experian to learn about credit, and I already have accounts that do not belong to me nor did I give anyone permission to use my information for credit. Well, I went through the dispute process that took about 30 days and the credit bureau said, the information came back as verified after sending a police report, and FTC report. I sent out a letter demanding proof from the creditor which was part of the disputing process that Experian told me. XXXX XXXX  sent a package to me with the supposed charges, on XXXX XXXX saying I owe them {$1600.00} now its {$1900.00}. I do not owe XXXX XXXX  anything because I never had a account with XXXX XXXX  and something needs to be done about this 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 2023-02-08 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: VA

Complaint narrative:
In accordance with the fair credit reporting act XXXX Account XXXX XXXX XXXX, XXXX XXXXhas 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 account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XXXX, a fraudulent charge of {$210.00} was applied to my Citibank debit card ending with XXXX from XXXX XXXX XXXX hotel in XXXX XXXX, CA. I have contacted Citibank to close the account, sent a report to XXXX XXXX XXXX XXXX XXXX reported the matter to my local police dpt. I last used the Citibank debit card at the XXXX XXXX XXXX hotel on XXXX where it was apparently hacked. This type of theft has happen several times before at a local business. Looks like there is absolutely no protection against this kind of theft for a consumer or card holder. I will be going with CASH from now onwards. 
Thank you for accepting this report, 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 2023-02-08 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: KS

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

Company response to consumer: Closed with explanation