vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-24 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:
To whom it may concern : When I made the decision to use my rights under FCRA, it was with an eye on challenging any information found in credit reports that are not accurate. By ghting back against this injustice, I am ensuring that the information on my credit report is accurate and reliable.I have every right to challenge any inaccuracies in a manner compliant with federal law when they are negatively aecting me nancially because of their accuracy or completeness. This is just an allegation. There's no proof that I'm delinquent or derogatory, so how can you report this? With all due respect, the claims within my report are wrong! You have to follow proper procedures if these claims are in your system and to be used in my credit reports! I challenge the accuracy and fairness of your ndings by demanding evidence before you make any claims and take such drastic measures against my reputation.I know that you cant just decide which rules apply to your organization, so I won't let anyone report any false claims. it's important to make sure all of your claims are accurate and reported in the correct format- this is required by law ( FCRA ) as well as Metro 2 standards.For any negative account I demand documentation / proof proving why your company considers it delinquent or derogatory. You have yet to provide me records documenting how your company veried and validated these accounts/ claims. Your proof of each negative claim you placed on my credit report should also include proof of a permissible purpose for any inquiry into the account.It 's time for me to get my life back! I need you to send over some physical proof of what has been done and an updated credit report. Either conrm that this matter has been reported correctly or remove it from the report immediately. I am giving you 30 days to investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 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: NJ

Complaint narrative:
Experian is showing an account reporting to my consumer report that I have know knowledge of. Also they have my personal information incorrect. I have my dispute letter attached to my complaint along with my consumer report. I am aware of 15 U.S. Code 1681c2 - Block of information resulting from identity theft, SECTION ( a ).

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 2023-02-24 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Date opened for XXXX XXXX XXXX account # XXXX is incorrect.

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 2023-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CENTRAL BANCOMPANY, INC
State: MO

Complaint narrative:
The advertisement I responded to promised a {$300.00} credit if I opened a new account and kept it open for 90 days. I also had to fund the account with an initial deposit of {$50.00} and make two direct deposits within the first 90 days. I opened the account on XX/XX/XXXX and my first direct deposit was made on XX/XX/XXXX. On XX/XX/XXXX, my balance on the account showed {$56.00} and I made a credit card payment for that amount on XX/XX/XXXX. A day after the credit card payment cleared on XX/XX/XXXX the bank claimed an XXXX charge had cleared prior to that charge and put the account in a negative balance of {$55.00}. Prior to all of this, the XXXX shipment cleared on XX/XX/XXXX so it makes no sense the charge would disappear from the account and appear again when I had a XXXX balance to place me in overdraft. The account had been opened for 90 days on XX/XX/XXXX. The overdraft occurred on XX/XX/XXXX. They are now telling me I am ineligible for the {$300.00} bonus because their fine print indicates the account must be open for 90 days and be in good standing through the time it takes them to process the payment, no matter how long that is. This is extremely deceptive in my view both in the fact that a charge disappeared from my account and then suddenly reappeared the very day they were evaluating the account for the bonus and just happened to disqualify me. The postcard I received said no minimum balance was required. Offers like this must be clear and this was not clear at all.

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 2023-02-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: KY

Complaint narrative:
I'm a recently retired XXXX XXXXXXXX after 24 years with one employer. I received a large payment from my company 's retirement account. While I was trying to determine how to invest these funds, I decided to open a Citibank high yield savings account so that these funds could earn interest while I worked on my investment strategy. I opened the Citibank account on XX/XX/23 and funded it with an electronic transfer from my checking account with XXXX XXXX XXXX. I made two additional deposits on XX/XX/23 and XX/XX/23. My total deposits into the Citibank high yield savings account were {$220000.00}. 
After meeting with my investment advisor, we determined the best use for the funds. As such, I started moving funds back to my XXXX XXXX XXXX  checking account from the Citibank high yield savings account. I was able to move {$15000.00} by XX/XX/23. Then, on XX/XX/23, I received an email from Citibank informing me that my high yield savings account would close within 60 days due to a violation to the terms of my agreement. The message provided a phone number to call to get more information. I spent countless hours discussing the issue with Citi customer service. I was transferred numerous times to various teams, but nobody could tell me anything additional other than what the email contained. I asked on several occasions to speak with management. I was told each time that they were all in meetings and not available. One individual told me he would have a manager call me. That didn't happen. I was also hung up on during one call. I simply wanted an explanation as to what I did as I felt there had to be a misunderstanding by Citibank. I was never able to talk to someone that could help. 
Now, it's been several weeks and I haven't received any additional communications, nor do I have access to my funds. My online access has been blocked for all my Citibank products, including a credit card I've held for a decade. I would like someone to discuss the situation with me and provide an explanation for what happened, and more importantly at this point, send me my {$200000.00} in retirement funds. Each day that passes, I lose significant interest income and any upside I would have from the investment opportunities I identified with my financial advisor. I don't understand how Citibank can permit a large transfer of money into an account but not allow those funds to flow out when needed. This is a significant amount of money for my retirement that Citi is holding hostage while treating me like a criminal.

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 2023-02-24 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: AR

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arkansas XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing this letter to dispute several negative items that appear on my credit report. After reviewing my report, I found several inaccuracies regarding the following accounts : XXXX XXXX XXXX : This account is listed as a late payment. However, I have never missed a payment on this account. I request that this error be corrected immediately. 

XXXX XXXX : This account is listed as a charge-off, but I have no knowledge of this account. I request that you investigate this matter and provide me with more information on this account. 

XXXX XXXX XXXXXXXX : This account is listed as a charge-off, but I have never had an account with XXXX  XXXX  XXXX I request that you investigate this matter and provide me with more information on this account. 

XXXX XXXX XXXX  XXXX : This account is listed as a charge-off, but I have never had an account with XXXX  XXXX XXXX XXXX I request that you investigate this matter and provide me with more information on this account. 

XXXX XXXX XXXX : This account is listed as a collection account, but I have never had any business with XXXX XXXX. Furthermore, the original creditor is listed as " XXXX XXXX XXXX XXXX  XXXX XXXX, '' which I have never heard of. I request that you investigate this matter and provide me with more information on this account. 

XXXX XXXX  XXXX XXXX : This account is listed as a collection account, but I have never had any business with XXXX XXXX  XXXX or the original creditor, XXXX XXXX XXXX. I request that you investigate this matter and provide me with more information on this account. 

I believe that these items have been mistakenly reported, and they are harming my credit score. I am requesting that you investigate these items and take appropriate actions to correct these errors. As per my rights under the Fair Credit Reporting Act, I expect that you will respond to this letter within 30 days of receipt. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2023-02-24 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: AR

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arkansas XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing this letter to dispute several negative items that appear on my credit report. After reviewing my report, I found several inaccuracies regarding the following accounts : XXXX XXXX XXXX : This account is listed as a late payment. However, I have never missed a payment on this account. I request that this error be corrected immediately. 

XXXX XXXX : This account is listed as a charge-off, but I have no knowledge of this account. I request that you investigate this matter and provide me with more information on this account. 

XXXX XXXX XXXXXXXX : This account is listed as a charge-off, but I have never had an account with XXXX  XXXX  XXXX I request that you investigate this matter and provide me with more information on this account. 

XXXX XXXX XXXX XXXX : This account is listed as a charge-off, but I have never had an account with XXXX  XXXX XXXX  XXXX I request that you investigate this matter and provide me with more information on this account. 

XXXX XXXX XXXX : This account is listed as a collection account, but I have never had any business with XXXX XXXX. Furthermore, the original creditor is listed as " XXXX XXXX XXXX XXXX  XXXX XXXX, '' which I have never heard of. I request that you investigate this matter and provide me with more information on this account. 

XXXX XXXX  XXXX XXXX : This account is listed as a collection account, but I have never had any business with XXXX XXXX  XXXX or the original creditor, XXXX XXXX XXXX. I request that you investigate this matter and provide me with more information on this account. 

I believe that these items have been mistakenly reported, and they are harming my credit score. I am requesting that you investigate these items and take appropriate actions to correct these errors. As per my rights under the Fair Credit Reporting Act, I expect that you will respond to this letter within 30 days of receipt. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2023-02-24 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: FL

Complaint narrative:
I have reported to Experian that my XXXX is XX/XX/XXXX and not XX/XX/XXXX. I have not received any correspondence from them on my behalf. Additionally, they are reporting a collection account that is not mine. I have requested them to remove it after investigating it and they have failed to do so.

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 2023-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: SC

Complaint narrative:
I had several emails asking for proof of deposits from another bank and verify my identity from chime XXXX. When I called customer service they said do not answer that it is a scam we do not have anything called XXXX. This was not true it was XXXX wanting information and to verify my account. I do not know what suspicious activity they have Frozen my account because of I can not talk to anyone that has anything to do with this only customer service it says you'll have to wait we don't know anything and there's nobody you can talk to they only email. I am now Frozen out of a bank account with {$370.00} in it and a savings account with {$3800.00} in it it has been 3 weeks no one can tell me anything they just keep sending asking for more information or the same information to be sent over and over again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo is reporting inaccurate information and need to delete this from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ARVEST BANK GROUP, INC.
State: TX

Complaint narrative:
Two issues with Arvest Mortgage 1. They are slow-walking my escrow refund. The My original request was made in XXXX. They have requested forms to be signed and payments to be made. They claim to lose the forms and the checks. They are holding {$10000.00} of my money. I have asked repeatedly by phone, email, and letter. 
2. In early XXXX they promised to pay my property taxes in XX/XX/XXXX. Instead they paid them in XXXX, which cost my {$840.00} in extra federal income tax.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS
State: FL

Complaint narrative:
I am unsure how to go about dealing with this matter. I am awaiting a copy of my CLUE report from LexisNexis, which is being sent by mail, ordered a week ago, and could take another 1-2 weeks. 

There seems to be vast discrepancy with my credit score from the 3 credit reporting bureaus and my CLUE score from LexisNexis. I received a letter from my current home insurance carrier XXXX XXXX XXXX  regarding a CLUE report they obtained on XX/XX/2023, showing a score of XXXX  in a range of 200-997. 

My XXXX XXXX credit score is XXXX range 300-850 My XXXX XXXX score is XXXX range 300-850 I do not have my XXXX at this time , but it is in the similar top tier range of excellent credit. I do not understand why my CLUE score from LexisNexis is so low. Even worse, the letter I got from XXXX XXXX listing the primary factors affecting my insurance score, are all credit/finance related, which completely negates and opposes that of my actual credit score from credit monitoring bureaus. 

XXXX  Length of time sales finance accounts have been established XXXX  Insufficient information on department store accounts XXXX  Insufficient information on personal finance accounts XXXX # of accounts that have been established None of that has anything to do with insurance, and I fail to see how I am scored lower on financial accounts than anything to do with insurance on an insurance score. This has caused me to overpay for insurance due to a lower score, who knows for how long, likely many years, over a decade. I have no idea as to the amount this has cost me, and it has likely costed others. This matter is much larger than me, and I am unsure how to proceed. It seems ground for a class action lawsuit or something. 

Who regulates LexisNexis, like the credit monitoring bureaus are regulated? Why is a CLUE report not available online, and takes 2+ weeks to receive in physical mail? I have no idea what the dispute or resolution process there might be. 

How is LexisNexis able to have a monopoly on insurance score, who is their competition? Who else is verifying this information to ensure it is accurate, and fairly represents the consumer? 

It makes no sense that my insurance score is lower than my credit score based on financial credit based accounts. Something is very very wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio
State: MI

Complaint narrative:
I was checking my XXXX credit report and saw this collection.. 
XXXX XXXX XXXX XXXX ( XXXX XXXX ) Which I do not recognize and doesn't belong to me. 

This is Identity Theft. Please remove from my credit report asap..The account number is XXXX. Amount is {$600.00}. It was reported on XX/XX/2022. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
there are several late payments showing on my account innacuratly during the XXXX protection period.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK

Complaint narrative:
On XX/XX/XXXX contacted BOA due to fraudulent use of my debit card, asked that it be mailed to XXXX XXXX XXXX  XXXX XXXX TX XXXX. Contacted BOA on XX/XX/XXXX the card had not been sent to the accurate address and both the agent and manager were hostile unhelpful rude, insisted on charging me {$15.00} for expedited service even though the bank wax at fault for XXXX sending the card to the address promised to begin with. It appears that these customer service agents dont want consumers to have their debit cards.

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 2023-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: PNC Bank N.A.
State: NM

Complaint narrative:
Pnc not closing accounts as ordered failed to return {$5700.00} put check on hold for over 1 year without any due diligence or any attempt to validate or dishoner check in question. Then after Pnc closed my account In XXXXXXXX XXXX XXXX withholding my funds this entire time until complainant filed with Cpfb and FDIC then Pnc without my authorization reopened account and removed hold on check but froze account due to alleged suspicions on account wich I cleared that up and took full responsibility as it was out of pure necessity for my survival And if due diligence in investigating check ownership and contacting issuer for clarification or validation of my transaction under creation of remote checks law I was within my rights and authorized by all payees to reset a remote check for redirecting funds according to previous contract between landlord and mr XXXX XXXX who are both payees on instrument wich all documents official letters etc have been provided to Pnc at Louisiana branch in XXXX and executive customer relations team please enforce law on institution or forward to agency of authority Note******* ongoing issue NOT a DUPLICATE complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I was directed to this website in regards to a Wells Fargo settlement for customers who have had car loans between XXXX and XXXX. I am writing to see if I qualify for a potential payout since I had an auto loan through Wells Fargo during this time period.

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