vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
Two separate issues I have that need to be addressed. First, I signed up for the checking account with the stated bonus of XXXX XXXX XXXX miles after completing 2 Enhanced Direct Deposits combined of at least {$1000.00} and spending {$1000.00} on my debit card. The terms attached state that I have 90 days to complete the terms from account opening but then when all terms have been met the bonus will be deposited to my AA account within 30 calendar days from meeting the terms. I spoke with the chat team on two separate occasions which confirmed that I met the terms, and I should see the miles within the end of the week of XX/XX/XXXX. I completed all terms on XX/XX/2023, and the miles should have been deposited by XX/XX/XXXX. They did not appear by XX/XX/XXXX, which was quoted to me by two agents, so I called in. This time I was told it is 90 days + 30 which is not what the terms I have attached say at all. Citi is breaking their own agreement with me. 

Now the second issue has popped up right after I called in to complain about Citi not honoring the terms of the agreement we had about the miles. Now my account access is blocked, and I can not get into my account. Not one email or phone call from Citi to let me know anything was going on. I only found out about this because I had made a payment out of the account on XX/XX/XXXX that I was contacted by the merchant telling me it was refused, and I needed to make arrangements with them to cover the balance. So, I contacted Citi by phone on XX/XX/XXXX and was put into a conference call with the fraud department with an agent named XXXX. She only asked for my phone number on file which I gave, and she said they could not verify my account through that phone number and that she has no other options to verify me and then proceeded to hang up on me. Terrible customer service and now I am locked out of my account with no recourse. If they are not honoring the payments I have coming out of my account, I have a balance of {$1000.00} they are holding hostage. I have companies that are contacting me now to make good on payments that I have adequate funds for in this account and I am afraid if this isn't resolved I will be sent to collections when this wasn't my fault to begin with. On top of that, the terms for the checking bonus state that my account must remain in good standing to receive these miles and feel this is a way for Citi to try and have claim to deny what I have rightfully earned.

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 2023-08-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
An account I follow ( XXXX XXXX ) on XXXX raved about quick returns on XXXX  investment she did with ( XXXX XXXX  ) and I started a conversation with her to invest {$1000.00}. This person has a fake website with login & all. The received the money & confirmed that they have traded for XXXX- after about 12hrs they asked for more money {$500.00} to upgrade brokerage account so as I can withdraw profits out of it. I sent {$500.00} as a charge ti upgrade brokerage account. After couple of hours they were like, the trade they bought for me had low signal and would not actualize into profits if the signals not upgraded and I would lose the original {$1000.00} too. If I dont send additional {$3000.00}. I was like no way im sending {$3000.00}. Then the person on other side like okay you pay half & Ill take care of the rest. And after sone conversation I sent $ XXXX broken into {$800.00} & {$700.00} ( through XXXX XXXX XXXX  XXXX which has been refund ) payments. And post that they tried to hack my XXXX & I refused to use any link sent by them. 
Reported to the bank & Zelle within 2 days, the accounts were removed from Zelle but the amt hasn't been reversed- if XXXX  can reverse a XXXX XXXX XXXX payment seeing the case why can't zelle help? 

XXXX XXXX XXXX - website used by the scammers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2023-08-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: Exeter Finance, LLC.
State: MN

Complaint narrative:
Ive done everything in my power to prove this account is and was fraudulently opened a vehicle was obtained in my name as a co-signer I have a police report as well as a identity theft complaint affidavit which I provided however its been denied and theyre coming after me the victim for {$30.00} this is ridiculous Ive NEVER had a loan in my whole XXXX of life but they believe I would wake XXXX day and co-signed for a vehicle for someone else is insane!!! I need help and I need immediately please my children are effected by this we are getting denied housing because my once perfect credit score has been destroyed completely.!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
You have been reporting these accounts wrong for months now!!! To ensure your vigilance of compliance, the following accounts are reporting wrong even to the comments. I do not have these account numbers in my file. They are erroneous. How are you reporting this information wrong??? According to Compliance protocol you MUST delete immediately : NOTE : This is not for you to correct and not remove. Ive disputed this numerous times. You are mandated to remove these erroneous accounts!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I find it VERY strange that despite all the activities that took place on my credit report between XX/XX/2023 my FICO XXXX Score has remained the same and never changed. Since XX/XX/2023 to now XX/XX/2023 my FICOXXXX score have been XXXX. During that period I had a paid off auto loan, obtain a new mortgage loan, new credit card, paid off card balances, fluctuation on my credit limit utilization, Limit increases, limit decreases- yet my mortgage FICOXXXX  score remained unchanged at XXXX. All my other EXPERIAN FICO models have fluctuate except for my mortgage FICOXXXX. MY FICOXXXX is XXXX. 
Is there a glitch in your system thats causing this. It makes no sense that my FICOXXXX  remains unchanged for 7 months despite of all these activities.

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 2023-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
Inquiries made on report from companies that I am not aware of and its impacting my credit profile. I need these inquiries removed as I have filed and Identify Theft report with Identitytheft.gov

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-08-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Synovus Bank
State: ID

Complaint narrative:
i was charged tons of ridiculous fees and charged for credit to balance fee for {$48.00}, what is that and why was i charged for it and how can i get it refunded??

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
According to U.S. CODE 1681S-2 ( A ) ( 1 ) ( F ) Reporting Information During Covid-19 Pandemic. 
Responsibility of Furnishers to consumer reporting agencies. 

According to the Accommodation Clause agreement to defer, forbear, modify, partially pay, or get other assistance/ relief. 

All late payments, fees, penalties, etc. must be removed from consumer reporting agencies.

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 2023-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
According to U.S. CODE 1681S-2 ( A ) ( 1 ) ( F ) Reporting Information During Covid-19 Pandemic. 
Responsibility of Furnishers to consumer reporting agencies. 

According to the Accommodation Clause agreement to defer, forbear, modify, partially pay, or get other assistance/ relief. 

All late payments, fees, penalties, etc. must be removed from consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
According to U.S. CODE 1681S-2 ( A ) ( 1 ) ( F ) Reporting Information During Covid-19 Pandemic. 
Responsibility of Furnishers to consumer reporting agencies. 

According to the Accommodation Clause agreement to defer, forbear, modify, partially pay, or get other assistance/ relief. 

All late payments, fees, penalties, etc. must be removed from consumer reporting agencies.

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 2023-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has 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 a 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 2023-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I XXXX XXXX the president of XXXX XXXX diposited in my chase bank account {$100000.00}/ also recieved a zelle of {$30000.00} also diposited {$200.00} / chase closed the account for two months and the hold the money and not gave my back

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 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: VA

Complaint narrative:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2023-08-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
can you send copies front and back of check # XXXX for {$5000.00} XX/XX/2018 send proof that you paid the taxes in XX/XX/2018 for my property

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Credit Karma, LLC
State: CA

Complaint narrative:
On XX/XX/23 I logged into credit karma after checking an email stating I have new approvals offers for credit. I found that XXXX  XXXX XXXX  XXXX  was framed in people with a credit karma guarantee that XXXX get approved or they will pay me XXXX XXXX I applied for the. And and ultimately got denied, contacted credit karma via chat was on chat for extended period of time and got transferred to XXXX people or departments each stating theyre escalating my case and the next would be able to give me all I for needed to file claim for guarantee. None explained anything, the lady stating she was escalating my case to a department that only works with customers via email and now theyll give me the information needed, this was after they tried to tell me I logged into credit karma XXXX not us, I asked how I have the app I only use the app. Then after saying that she says oh I see then it shouldnt affect you then so youre telling me either youre lying or someone else logged into my account in XXXX? I didnt know you could have a credit karma XXXX XXXX XXXX the exact same credentials.. any company making you go through hoops for XXXX $ is scamming or perpetuating a fraud. I took the hit on my credit.. I have all the screenshots as proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Todd, Bremer & Lawson, Inc.
State: NC

Complaint narrative:
The debt collected called a high school friend in order to confirm my contact number. I am unsure how they got one of my friend 's phone numbers or why they were contacting a friend of mine about my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: PRESTIGE FINANCIAL SERVICES INC
State: TN

Complaint narrative:
Inquiries made on report from companies that I am not aware of and its impacting my credit profile. I need these inquiries removed as I have filed and Identify Theft report with Identitytheft.gov

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TIDEWATER FINANCE COMPANY, INC.
State: TN

Complaint narrative:
Inquiries made on report from companies that I am not aware of and its impacting my credit profile. I need these inquiries removed as I have filed and Identify Theft report with Identitytheft.gov

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 00:00:00
Product: Credit reporting 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: NJ

Complaint narrative:
Please see attached, I did not authorized any of these inquiries,

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 2023-08-30 00:00:00
Product: Credit reporting 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: IL

Complaint narrative:
Please know the information on my credit report is not correct. I've listed inquiries and accounts that do not belong to me. I need this fraudulent information removed immediately. Being a victim in the past I am trying my best to ensure my information is reporting accurately. Since I am not being heard with the institutions responsible for reporting accurate, complete and permissible information I am seeking help from a higher source. Please remove urgently.

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 2023-08-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANCFIRST CORPORATION
State: OK

Complaint narrative:
I went to my bank to do a wire transfer for a real estate transaction. I provided the wiring instructions to the CSR. No questions we're asked regarding this transfer, I was asked to verify the information and sign. Please know I was totally unaware of this wire fraud involving real estate. 
The money was to be sent to XXXX  XXXX XXXX in XXXX according to the instructions. Upon receiving a copy of the outgoing wire advise debit. It clearly states it went to XXXX  XXXX XXXX in XXXX!!! Which was not on the wire instructions. Perhaps if Bancfirst had CSR 's who they claim are experceived at detecting fraud, I would not be sending this message! I wired {$57000.00} which is my life savings and this carelessness has caused me to become homeless. I have sent Emails to the Presidents, ECO 'S and have no reply. Nor do I get returned calls from my bank manager when asked questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 00:00:00
Product: Credit reporting 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX has 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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