vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XX/XX/2020 - I opened Checking and Savings accounts with Citibank. I transferred {$2000.00} to Checking account. 
XX/XX/2020 - Someone stole letters with a Citibank debit card and a pin code. 
XX/XX/2020 - Someone used the stolen debit card to make purchases in XXXX and XXXX in the amount of {$640.00}. 
XX/XX/2020 - I checked balance and found unauthorized transactions in my account. I locked the debit card immediately, called to Citibank and created a claim. 
XX/XX/2020 - XX/XX/2020 - During few months I tried to return my money from Citibank. It is second complaint about this issue. More details about my steps in the first complaint XXXX. 
XX/XX/2020 - I created first complaint in Consumer Financial Protection Bureau. 
XX/XX/2020 - I received a response from Citibank through CFPB that my claim for Checking account was reopened. First complaint was closed in that time. 
XX/XX/2020 - Citibank denied my claim for Checking account again in the third time. 

Additional details for investigation : - I had never received the debit card. I didn't authorize anyone to use my debit card. All transactions from the debit card were unauthorized. 
- Purchases happened XX/XX/2020 in XXXX XXXX, CA and XXXX, CA. I was in a trip in XXXX XXXX, CA from XX/XX/2020 to XX/XX/2020. You can check my Costco Anywhere Visa Card by Citi-XXXX which have transactions for the whole period of my trip as a prove. I attached the file with transactions. Also, I attached XXXX receipt for that time. I went to the trip together with my wife and my friends. They can be witnesses. So, I was physically out of town and I wasn't able to do that purchases. 
- I had never received letters with the debit card and pin code. Please check USPS tracking data when Citibank mails were delivered. I notified USPS Informed delivery service about missed mails for XX/XX/XXXX. Feel free to compare tracking data for Citibank letters with my missed letters. 
- My mailbox wasn't broken. I didn't share keys from mailbox with anyone. XXXX XXXX XXXX XXXX leasing office is aware of my problem and they changed the lock in my mailbox. 

Questions to Citibank : - My debit card has " Zero liability guarantees ''. I notified Citibank about fraud in few hours as soon as I found unauthorized transactions. In accordance with the law and my Citibank debit card agreement I should not be responsible for unauthorized transactions. I didn't authorize anyone to use my card. Should I provide any additional form to claim it? 
- Why debit card letter and pin code arrived at the same day. It is a big security flaw. Why should I pay for it? 

Note : Another claim for Citibank Savings account is still in progress. I sent " Signed Statement of Unauthorized Use Request '' form for Savings account XX/XX/2020 to Citibank.

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 2020-09-17 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: The CBE Group, Inc.
State: TX

Complaint narrative:
Please note that these folks at CBE Group XXXX may send you letters and call stating they are collecting a debt on behalf of DOD Department of Defense and then when pressed deny this and say it for  XXXX and then want to confirm you address. Watch out for these snakes scamming our military members. They tried to get me to pay by credit card to their XXXX XXXX in XXXX XXXX. Fraud is clearly what CBE Group they are about, shameful! FYI XXXX XXXX XXXX share tips about these sad persons gaining from the uninformed. I hope the CFPB shows some teeth to take these dishonest operator out of business. Just re-state there is no debt owed ; the DOD or XXXX will handle this with no 3rd party involvement! Please show some strength here to help others avoid this snake pit of dishonesty!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I contacted equifax, and XXXX regarding fraudulent inquiries on my credit report I sent equifax and XXXX copies of my identity theft report But still the fraudulent information remains on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX these are not my inquiries and they where not authorized and are unverifiable I have sent out certified mail XX/XX/XXXX and have called and they still are there and unverifiable.

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 2020-09-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/XXXX, I move to XXXX XXXX as my marriage is being dissolved. 
On XX/XX/XXXX, the house sells. 
On XX/XX/XXXX, I opened a Money Market account to hold my portion of the proceeds from the sale of my home and transfer money from my checking acct to the new account as a security measure. 
On XX/XX/XXXX, I transfer XXXX from the new account to the checking account for the initial deposit as I open an account in XXXX XXXX with XXXX. 
Within an hour, my Money Market account is frozen and I am locked out. 
Since XX/XX/XXXX, I have called to inquire about my account access. The issue has been escalated half a dozen times and I am told someone from the back office or XXXX will contact me. 
Today is XX/XX/XXXX, and I still have to hear from someone who can address this. Including the assigned XXXX banker named XXXX XXXX as I have been told. 
All I ask is to be given the chance to prove that I am who owns this account and the transactions have been legit.

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 2020-09-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
Did I asked you to update the report or delete the item from the tradeline? 
Send me proof in writing what did I want you to do with this account? You been reporting it as false since the account went close that erroneous information because you were to lazy to actual conduct a proper investigation is what this is all about. If you dont remove this account I will take legal actio under the FCRA you claim Wells Fargo must and shall report accurate information XXXX you didnt care about fair reporting when you were reporting inaccurate information leading up til XXXX of this year you didnt seem to give a XXXX then why now you just dont want to remove but you will and I wont be paying you. XXXX thing so help me I still need the requested information online for XX/XX/XXXX and XX/XX/XXXX per your Certification

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 2020-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
On XXXX XXXX at XXXX. I called Equifax to dispute two unauthorized credit inquiries. 

XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX The representative informed me that there was nothing on their end they can do to investigate or delete and I should file with the ftc for a deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: United Shore Financial Services, LLC
State: FL

Complaint narrative:
I was in the process of refinancing my house when the loan person told me there was a 30 day late noted from my mortgage company on my credit report. They will not proceed forward with my refinance until the mortgage company writes a letter acknowledging their error. My mortgage was sold to United Wholesale Mortgage immediately after closing, XX/XX/2019. 
The letter written to the mortgage company as well as the complete description is included in the attachment below.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: CA

Complaint narrative:
Credit Card : REI Co-op MasterCard Issued and administered by " US Bank '' XXXX. XXXX  XXXX XXXX XXXX, MO XXXX WebSite : https : //onlinebanking.usbank.com/Auth/Login Phone Number:XXXX Approximately two years ago we signed up for " REI Co-op '' MasterCard. The credit card is issued and the account is administered by US Bank ( Address : XXXX XXXX XXXX, XXXX XXXX, MO XXXX ). Almost immediately we noted problems with the billing services : the bank would NOT send a monthly statement, then add penalties, interest and fees to the next statement. This practice continues despite a number of complaints. The last conversation over the telephone with the " supervisor '' ( identified as " XXXX '' ) took place about 20 minutes ago. This time, despite the fact that we paid the complete outstanding amount of the bill, no statement confirming the payment was issued by US Bank, so I ended up spending inordinate amount of time waiting on hold to confirm that we are indeed up to date and I that do not need to make another ( duplicate ) payment. This attempt on the part of the bank to collect fees, interest, and duplicate payments because of duplicitous billing practices should be known to regulatory agencies and banking customers who consider doing business with REI Co-op and US 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 2020-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I contacted XXXX, and transunion regarding fraudulent inquiries on my credit report I sent XXXX and transunion copies of my identity theft report But still the fraudulent information remains on my credit report.

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 2020-09-17 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
XX/XX/2020 XXXX XX/XX/XXXXmountain standard XXXX arizona i am reporting a fraudelent attepmt to collect a debt that violates the Fair Debt Collection Practices Act i was notified by my mother that she revived a message on her voice mail .it plays as follows " hello this is XXXX from XXXX XXXX i have had an delivery agent out there to the property address on file and he was unsuccessful with getting some one to sign the documents today our contact is XXXX XXXX XXXX we will only be able to make 1 more attempt before we return your file as a failure to comply again our number is XXXX XXXX XXXX '' end of message from XXXX, the only word given when requesting the company name. 
i proceded to call the number and was requested to put in my moms phone number and the last 2 of my social. still no info on the company just a robot asking for personal information then i was connect to a person who request the same information and i was never told at this point it was a debt collection. i was currently concerned with how my social was obtained and she read me my first 5 digits i then proceed to ask who they were and she ignored that and told me she represents a law firm who is currently filling to courts for a 15 year old debit with wells Fargo. 
she asked if i knew anything about this and out of fear i said i remember an overdraft that was for XXXX dollars that never settled and disappeared. she said we are showing a balence of XXXX $ and we are reporting you to the bank chex system which will cost XXXX $ and placing you on a XXXX list to prevent you from opening accounts or having any check written. i said i need a lawyer and i would not answer any more questions i said this is a scam and i will not buy into it she affirmed me its not a scam how else would she have my social security number and told me shes send someone to have me sign documents and she cant just mail them i have to sign for them, which is wrong in my opinion, .i asked for the company name she replied pinnacle and her name was XXXX XXXX which seemed fake. i told her i do not approve you to do so and how will you send it if i haven't given you an address she read me an address that i didn't confirm to be mine and she insisted shes send some one out and hung up. i was never inform prior to call that this is an attempt to collect a debt or that i am being recorded i fell unsafe in my own house and fearful for my social security number being in someones hands like this i need help and i am very scared. this is so wrong for a debt collector to use such tactics to scare people

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 2020-09-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
Currently i have my mortgage with HSBC, but I decided to refinance, so I need some documents from HSBC to support it. But when i was reviewing the document, I noticed the property address on my payoff document is incorrect, my unit address should be unit XXXX and they typed unit XXXX unit XXXX ( see attached 1 ). Because unit XXXX is the number the builder identifies this building, and they assume its part of the address ( see attached # 2 ). Since the property address is wrong, the new lender will probably not accept it as a legit document. 

I contacted HSBC and explained this situation, I asked them to simply correct the mistake they made, but they refuse to cooperate, and said even if they do it they will not rush it, at least gon na take two weeks, I provided my property tax document which i got from the county and it includes my APN and correct property address, and they refuse to take it because it is not a legal document. Instead they are requesting something called XXXX address to verify my correct address is a real address, I talked to the USPS , County, City, no one knows what that is. If i don't close my new mortgage next week, it will generate penalties everyday.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/XXXX I received a letter from Wells Fargo Bank in reference to complaint number XXXX that filed with the CFPB ... In that letter Wells Fargo Denies having any record of correspondence sent to the wrong country ... I am attaching the evidence that my data was breached as was my personal signature that was sent to my old address in XXXX in the month of XX/XX/XXXX by Wells Fargo Bank ... Wells Fargo Bank states that they do not have an international address on file yet one of their requirements to open a new account is to provide an address history going back three years ... In order to that I had to provide Wells Fargo Bank with my previous address in XXXX which is where I lived for two years from the year XXXX - XXXX ... Correspondence was generated without the knowledge of the employee whose name is listed on that letter sent to my XXXX address ... XXXX send that letter back to Wells Fargo and the Wells Fargo South Dakota Bank forwarded that letter to me ... Attached are detailed photographs of the letter I got from the South Dakota Wells Fargo Bank that is used for rerouting mail that was sent to wrong addresses ... Also Wells Fargo offered a {$400.00} promotion online for new account holders ... I qualified but in order to fulfill the requirements I had to go to a local branch to complete my online account opening process ... One day my bank balance fell below XXXX dollar and because of that Wells Fargo said I was no longer eligible for the XXXX dollar incentive for new account holders ... I am attaching a photograph of a Cashiers Check that Wells Fargo Bank sent me after I was able to establish with Wells Fargo that this was false advertising filling new account holders like me with false hope of a reward that is not possible to get due to excessive requirements such as bank balance being less than XXXX dollar which I was never informed about ... I ask that Wells Fargo be held to account for making serious mistakes with where they sent my sensitive details ... Also for sending correspondence with an employees name on it and when I asked that employee at the local branch and she said that she had no knowledge this correspondence was sent to XXXX with her name on it ... This placed Wells Fargo 's on employee in a very awkward position which is not right ... I ask that this matter be investigated ... There are seven documents attached as evidence that Wells Fargo has not acted in the best interest of me their own bank account holder ... 

Respectfully Submitted by Ms. 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 2020-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/2020 XXXX XXXX reported to Equifax bureau a hard inquietud under my name that I did not authorized.I contacted both Equifax and XXXX XXXX to clarity this issue and to creat and aleart on the Equifax bureau. They assured me everything was going to be clarify and required from me to contacted XXXX XXXX to let them know I was victim of identity theft. They were supposed to send al letter to equifax explaining that I never applied for XXXX XXXX credit Card inquiry and to request removzing this inquiry from my credit report. Up to date nothing is being done and this hard inquiry remains on My Equifax credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
XXXX XXXX Account number XXXX, Paid before colections, paid as agreed, and current. PLEASE DELETE.

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 2020-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: U.S. BANCORP
State: LA

Complaint narrative:
I have a mortgage with US Bank, they have placed a forced flood policy on the house because it was rezoned into a high risk area. The home should be grandfathered into a low risk area. I have sent the paperwork to US Bank multiple times, but they will not acknowledge it. 

I have continued making my monthly payments of XXXX while attempting to resolve the issue with US Bank. US Bank has not applied my payments, and has started making reports of late payments to the credit companies. 

I have asked them to remove the negative reporting and work with me to resolve the issue, they have refused. 

I need help.

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 2020-09-17 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
XXXX P XXXX XXXX, XXXX has been reporting for a period of time that exceeds the FCRA timelines for deletion eligibility. The statute of limitations for this account has been met, and I am requesting that the data be removed 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 explanation
Consumer complaint received 2020-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: U.S. BANCORP
State: CA

Complaint narrative:
It was brought to my attention through XXXX and XXXX that US Bank is inaccurately reporting a debt. An origina student loan from 2008. They added this derogatory account and upon further research this account was paid and was never late. This account has been transferred and sold several times. According to the FCRA my rights have been violated. This company has a phone listed that is no longer in service. They have failed to validate such debt with my written signature.

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