vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-30 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Account opened without my consent or knowledge
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
I received an email on XX/XX/year> at XXXX stating that someone had set up an appointment for me to speak to XXXX XXXX XXXX at the XXXX XXXX  Citibank branch in XXXX DC regarding opening a new CD/Savings account. Upon reading this email and being located in CT with no charges or travel in the DC area for at least a year or XXXX, I tried to call the fraud department. A quick XXXX check would have confirmed no reason to think I needed to speak with a DC-based banker. 
I waited on their automated system for XXXX minutes before hanging up, unable to speak to a live person. At approximately XXXX minutes into my telephone hold, I logged into my account online to use the chat function. The representative confirmed that she would be unable to help me but will " take my feedback '', whatever that means, and said I would need to speak to the fraud team ... that I was already on hold with. I hung up from the call, and redialed the number, got through the automated system, only to be told by an automatic voice that there was no one to help me and I should call back another time. It then hung up on me. 
It is terribly frustrating and infuriating that I can not speak to a fraud representative when I am concerned about an ongoing fraud on my account and may not be able to stop it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
In XXXXXXXX XXXX, I fail behind in my mortgage payments. I requested a Loan Modification when I called. Apparently, I was placed on a TRIAL. I never agreed to the lates hitting my credit report. I did not make a payment in XXXX or XXXX. I was told that the payments would be added to the end of the loan. I did make a payment in XXXX, XXXX, XXXX and until the home was sold in XXXX. In XXXX, I called because the lates were on my credit. The Supervisor, said that it would be corrected. In XXXX, I was trying to purchase a home. I was told that the lates were on my credit. I called XXXX, several times in the course of two weeks. Each representative said I would receive a call back. Some stated it wasn't nothing they could do because the account was closed. I spoke to a supervisor he said the lates would stay and to dispute it with the Credit Bureaus. I disputed in twice and still I did not receive any action. The credit reports are not accurate it stated I was 90 days late in XXXX. A payment was received. Please help to remove this from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I sent of dispotes about inaccurate reporting on my report and i never received investigation results.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I sent of dispotes about inaccurate reporting on my report and i never received investigation results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Upon checking my credit report i noticed fraudulent address that do not belong to me. I am request that the following address be remove because they are not associated with me and i have never lived at any of these. 

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 2024-12-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
I've had a robinhood account for several years now. 

Recently I signed up for Robinhood XXXX for the savings account interest rate, we transferred our savings into it. 

I also trade stocks with Robinhood and invest in crypto. 

On XX/XX/year> the app said the account was restricted due to unusual activity however it's secured with 2 factor and a very strong password so I am confident it was their systems raising a false flag. There is NO unusual activity on the account. 

I requested a call back on the XXXX, that is the only means of communication they have available for customer support. 3 days later and I still have not received a call. 

I tried multiple times via chat, XXXX and reddit to reach them. Nothing has worked. I've provided multiple verification documents, photos, and more yet the account is still restricted. 

We desperately need access to our funds that are stored with Robinhood. I've lost a ton of money on the stocks due to this, now we cant even access our cash that is supposedly in a secure savings account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AZ

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. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AZ

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. PLEASE SEE ATTACHED LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: NC

Complaint narrative:
XXXX XXXXXXXX XXXX  has closed and charged off my account with the total amount of {$1300.00}. It shows 2 discrepancies in the dates of the charge-offs. Also the debt was sold to a debt collector - Jefferson Capital Systems at some point that I am not aware who are calling family members and continually harassing me with phone calls and emails even after I have asked them for debt validation according to 15 U.S. Code 1692c, which they have not provided, and then I told them to stop all forms of contact to me and my family members. They continue to keep changing the phone numbers they call from and they have also violated the law of calling more than the allowed seven times within the allowable seven-day period.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
On XX/XX/year> I noticed that my direct deposit payment was cut by {$500.00} because of XXXX unauthorized transactions on my account. 

I filed a police report and filed a fraud claim with ally bank

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Discovering inaccurate accounts on my credit report has been deeply frustrating. These mistakes are dragging down my score and have likely impacted opportunities Ive worked hard for.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
For years I had an account with TransUnion for managing my credit report and identify protection. I manually put a freeze on the account after I filed for XXXX XXXX XXXX  protection in XXXX. It's around that time that I cancelled the identity protection, and I didn't attempt to log into my TransUnion account again until earlier in XXXX when I was shopping for a car loan. When I logged in, TransUnion 's system said that I no longer had access to the account and needed to create a new account. I created a new account as instructed. IMMEDIATELY I was given an error screen telling me that my account was locked and needed to call a certain phone number. I tried calling numerous times to have my account unlocked and to unfreeze my credit. I wasn't successful at either, which caused my initial loan financing to fall through. I was made to come back to the dealership XXXX weeks later and sign for a different loan with worse APR and credit terms because of TransUnion 's negligence and inaction. I tried several times to get my account unlocked over the past few months, with TransUnion phone representatives hanging up on me or telling me conflicting information. I tried again today in an attempt to get a home improvement loan and spoke with three different reps, one of which who hung up on me, and another which failed to explain ANYTHING that was going on and lied about emailing me information. FINALLY, I called a third time and spoke to a rep who told me that because of so-called " fraudulent activity '' on my account that I would possibly NEVER be able to access my own credit account online ever again. In the meantime, I would have to supply copies of a birth certificate, legal documents, a utility bill, my state ID, and a bank statement and MAIL THEM TO A XXXX XXXX and that it would take anywhere from 1 month to a YEAR just to unfreeze my credit. And that I would need to specifically request in writing that I unfreeze my credit for a certain date range and that I be allowed to request it turned off and on over the phone. I can't even unfreeze my credit over the phone at this point! She said my SSN has been blacklisted for fraud, when I have NO ISSUE WHATSOEVER freezing and unfreezing and accessing my credit accounts with XXXX or XXXX. TransUnion 's phone system is frustrating, hold times are RIDICULOUS, and most of the reps I've spoken with have lied or misrepresented the issue or have no idea what they're talking about. This account lock/inability to unfreeze my credit has cost me money and hours upon hours of my time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Upon checking my credit report, I noticed multiple accounts that I did not authorize. I request immediate action to have them blocked and deleted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENOVA INTERNATIONAL, INC.
State: VA

Complaint narrative:
This collection agency has recently been reaching out to me regarding " my account '' and how to fix it. I do not have collections with this account, nor have I provided them with any personal information. They have sent numerous e-mails as well that are stating they are trying to collect money owed to NETCREDIT, however, according to my credit report ( all credit bureau 's ) the collections were not sold to this company nor was my permission for personal information ever given to this company. In these e-mail they give phone numbers to call and when searched, they have no affiliation with the company, they are spam numbers. In the e-mails they will attach a document with " your information '' but will not let you open the document until you enter the last 4 of you SSN, which seems very shady. They will call off of unknown number with your state 's area code to prompt you to answer and also harass your family members/work. I have blocked their e-mails but we have not had luck with their calls to stop. I have attached the most recent documents containing this information. 

Numbers they have contacted me/my family members at include : XXXX XXXX XXXX XXXX - contacted my mother and my work XXXX XXXX XXXX XXXX XXXX XXXX contacted me, my father, and my step mother XX/XX/year> ( most we have already deleted, but these are most recent ) Numbers they have left for contact : ( XXXX ) XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My credit report shows multiple accounts I did not consent to. I believe these are fraudulent, and I request their immediate removal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
{$6300.00} of unauthorized transactions was taken from my bank account from XXXX from XXXX. I have contacted my bank and the merchant and neither one says they can help me. Wells Fargo told me to reach out to XXXX that they denied my claim and will not pay it/ give me my money back. XXXXXXXX XXXX told me to reach out to my bank. I did not authorize these transactions from XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.

Don't close this complaint with a reason that I need to prove my identity because all necessary documents are all attached on the letters!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
After a business account was closed and the associated cards went delinquent while working out debt consolidation and payments. 

Chase periodically reevaluated my personal accounts while they are not or should not be tied to the business account outside of me being a guarantor my three personal cards were closed All three of these accounts were in good standing, on auto pay while they do have a high balance and high utilization currently, I typically follow a pattern of paying them off in XXXX. 

It seems incredibly predatory that my personal accounts would be tied to a business decision and that the entire relationship with Chase would impact my personal account accounts. 

The only resolution provided was that I apply for a reevaluation in six months, which would involve a hard credit pull however closing three accounts will be on a credit report for seven years so all of that is pretty much a moot point.

My three current accounts were in good standing and paid, but the accounts were closed. They will not make me any offer of reconciliation or payment unless I force them to go delinquent by not paying the accounts. However, as stated again, the accounts are closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
On XX/XX/year>, I deposited a {$200000.00} cashiers check to my joint account at Navy Federal Credit Union. The check was issued by XXXX XXXX XXXX XXXX and taken from my money market account at XXXX XXXX. This check cleared my account at XXXX XXXX on XX/XX/year>. At the time of deposit I was told by the Navy Federal teller that the funds would be available the next day. The check was placed on a 3 to 5 day hold instead. As of this date my funds at Navy Federal are still on hold. I have made several visits to my local Navy Federal in an attempt to clear this up. I have also made several phone calls Navy Federal member services, their fraud and security departments. Navy Federal requested a Hold Harmless letter from XXXX XXXX to release the funds. A Hold Harmless was prepared and faxed to Navy Federal on XX/XX/year>. I Delivered a copy to the Navy Federal branch on the same day. Since XX/XX/year> Navy Federal has received by email, fax and personal delivery at least 4 Hold Harmless letters. Every time I called Navy Federal for status I'm told it's being worked and it would 3 to 5 days. There is no reason for this to drag out this long. On a positive note the employees i spoke with were very professional.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.

Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly. Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
I demand the following accounts be verified or deleted immediately : 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