vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-10 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: TRUIST FINANCIAL CORPORATION
State: OH

Complaint narrative:
FROM XX/XX/2022 TO PRESENT I HAVE DISPUTED A FRAUDULENT BB & T/TRUIST CREDIT CARD ACCOUNT THAT SOMEONE OPENED IN MY NAME BY STEALING MY IDENTITY. I NOTIFIED ALL 3 CREDIT REPORTING AGENCIES AND BB & T/TRUIST ABOUT THIS FRAUD IN WRITING 3 TIMES, NOTHING HAS BEEN DONE TO CORRECT THE PROBLEM. THIS IS AFFECTING ME GETTING A JOB AND BEING APPROVED FOR HOUSING/APARTMENTS.

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 2022-08-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
To Whom It May Concern : My American Express credit card account statement ending in XXXX shows a payment, a balance of XXXX, that should have not been made. I am writing to tell you that the payments were unauthorized charges. Therefore, I am filing a complaint with the Consumer Financial Protection Bureau against American Express. Specifically, I authorized debits to a cosmetics company in Hawaii by the name of XXXX, in error, and under duress on XX/XX/2022, but revoked the authorization on XX/XX/2022. Immediately after I received the " product '' and realized that the company was charging me for unauthorized charges I sent the unopened product back via XXXX XXXX. I asked American Express to close my account and not accept any new charges. I paid the undisputed charges and no longer have any outstanding balances. Despite the fact that I have been a long-time customer with XXXX XXXX XXXXXXXX they refuse to support me in my position and are unfairly charging me these bogus and egregious amounts. The charges are in error because the items were refused, the company XXXX employed deceptive practices when I was " sold '' these items. I can provide XXXX  XXXX Proof of Delivery, tracking information, documentation of shipment with delivery dates, and copies of reviews from many customers showing they were defrauded with similar incidences as my situation. Furthermore, according to the Hawaii Unfair Deceptive Trade Practices Act, this is fraud. XXXX misinformed me about the product which was returned and the way the situation was dealt with was egregious. They pulled the wool over my eyes and did not inform me what I was signing. Their representative pulled me in off the street and delivered a high-pressure sales pitch. This is not buyers remorse, it is fraud. According to the attached reviews on XXXX and XXXX XXXX XXXX, this company has a pattern of deception and has scammed many other customers in a similar fashion. If the packages were returned to them unopened and I do not have the product, I do not see why XXXX, and American Express are charging me for a " product '' that I don't have. I am filing this complaint and requesting that the error be corrected with the credit card companies and that any finance charges will be waived. I will await confirmation that you will be reversing these unfair charges. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. # XXXX XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Back on XX/XX/XXXX citi bank allowed my account to be hacked and the email information as changed. When this was done the individual that hacked my account then enrolled my account in the wire transfer service and proceeded to transfer {$800.00} out of my checking 's and then another {$900.00} from my savings. I called Citi bank immediately and they advised that i had to do an affidavit in the branch and have it sent over to the investigative team. I did an affidavit for both account with a branch manager at their location near XXXX XXXX  off XXXX  and XXXX XXXX. She sent in the information and convinced me that opening a new account with them while the account was being investigated was my best bet in getting my money back sooner. I was told that the investigation would take 60 days. I got s letter then stating that the investigation was closed because I had never sent in the required affidavit which i watched her fax. So I went into another branch on XX/XX/XXXX and re opened and submitted the documents for both events. On XX/XX/XXXX I received a credit for the {$800.00} that was stolen from the checking 's but the {$900.00} from the saving 's is still in limbo. So i called the bank again and spoke to another rep and they stated that they saw that the information was identical to the one i was awarded and that he would re open it to have the funds reversed. And now today XX/XX/XXXX I a still waiting on a response from citi bank for an incident they told me should take no more than 60 days. I tried to get detailed notes from the rep that was helping me and she advised me she can only give me a first name. I asked for an employee ID and she stated she didnt have one. It wasn't until i stated that i needed detailed information for an attorney she found an employee ID. Its crazy that i took someone less than 10 minutes to steal from me but it has taken citi 17 months and counting to get the funds replaced

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 2022-08-10 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: MN

Complaint narrative:
I have a couple things going on. 

I went to a car XXXX dealership and was already approved by my bank and had the cashier check to pay for my car. XXXX said that can give me a better rate with XXXX if I finance with them. I was informed that they would only pull my credit once with XXXX and I was approved for a loan through XXXX but I realized that I had a lot more inquires on my report that I did not authorize or didn't know about. I called my sales rep and asked about the inquires and I was advised that they were looking the best rate even without my permission and they would consolidate into one inquire. I has been over a year and they are still there. 

XXXX Credit Report XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-08-10 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I have a couple things going on. 

I went to a car XXXX dealership and was already approved by my bank and had the cashier check to pay for my car. XXXX said that can give me a better rate with XXXX if I finance with them. I was informed that they would only pull my credit once with XXXX and I was approved for a loan through XXXX but I realized that I had a lot more inquires on my report that I did not authorize or didn't know about. I called my sales rep and asked about the inquires and I was advised that they were looking the best rate even without my permission and they would consolidate into one inquire. I has been over a year and they are still there. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-08-10 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: TX

Complaint narrative:
Around XX/XX/2022, i decided to trade in my old car for another vehicle at a Car dealership. I wanted to fund with XXXX XXXXXXXX, since i had an account there, or XXXX  or XXXX XXXX. I financed with XXXX XXXX for the purchase of this vehicle. I did not give consent for any other inquiries to be made, that which include six or so financial lenders requested without my consent, and made on behalf of the dealership without my knowing. I file this dispute to remove unauthorized inquiries that show on my credit report made on XX/XX/2022, by the exception of XXXX XXXX co.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Around XX/XX/2022, i decided to trade in my old car for another vehicle at a Car dealership. I wanted to fund with XXXX XXXXXXXX, since i had an account there, or XXXX XXXX XXXX XXXX I financed with XXXX  consumer for the purchase of this vehicle. I did not give consent for any other inquiries to be made, that which include six or so financial lenders requested without my consent, and made on behalf of the dealership without my knowing. I file this dispute to remove unauthorized inquiries that show on my credit report made on XX/XX/2022, by the exception of XXXX XXXXXXXX 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 2022-08-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: OK

Complaint narrative:
This is not my debt.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
account paid in full XX/XX/2022 sent three dispute to get account updated as paid report back accurate every time and credit report shows last payment in XX/XX/2022 and hasnt updated after that month

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 2022-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Called to do a skip a payment.. it was approved i paid the required fee and was told to sign a paper i would receive within 10 days.. never received the letter so i called and i was told i would have to resubmit the application and that i would not have to pay the fee again since i already paid it well 30 days later my credit gets hit with a late fee and my credit dropped dramatically i called them and XXXX  said that its because i never paid the XXXX that was due for the skip a payment because the old fee of XXXX was applied to my account but not to the skip a payment so now it put me as XXXX past due and it keeps putting me late.. they are supposedly looking for the conversion where their employee told me I wouldnt have to pay it again since i already did but the executive team ( who I cant for the life of me reach in any way ) told me their associate was wrong but they where gon na look for the conversation where their associate told me I didnt have to pay its been a little over 3 months and no resolve my credit has been affected very very badly due to this i need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION

Complaint narrative:
USAA allowed {$8000.00} to be fraudulently transferred from my savings account despite being warned fraudulent activities were being executed. I disputed the transactions and USAA returned part of the funds but not all. I am still missing {$1400.00} and once again no one has notified me that my accounts were compromised and offered any resolution or concern to the fraudulent activity. Its like they dont care or are not concerned about my account security.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian XXXX XXXX XXXX XXXX, TX XXXX I just got my report and I think it is wrong! I was told I have the right to have an investigation done. The XXXX XXXX Account depicts an old account as a charge off. I paid the account opened in XXXX off completely. I opened a new account in XXXX and XXXX XXXX reported I opened it in XXXX and charged off the new account. The account on my credit report is false. The Credit bureaus laws report that the bureaus report 100 % accurate credit history. Every step must be taken to assure that the information reported is completely accurate. The following information therefore needs to be reinvestigated. Please make sure everything pertaining to my credit report is correct. 

Please provide me with the following items : 1. Pay Off Disclosure 2. Interest Disclosure 3. Balance History 4. Payment History 5. Credit Insurance Validate Account XXXX XXXX Contract Closed ( 5 ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION.

( A ) IN GENERAL.If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

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 2022-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
As I checked my three credit reports from annualcreditreport.com, on XX/XX/20XXXX XXXX XXXX which is now in collections with XXXX XXXX has reported both accounts ( XXXX, XXXX ) in collections with XXXX and Transunion and not with XXXX. I'm requesting that this inaccuracy be deleted from XXXX and Transunion credit reports.

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 2022-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
As I checked my three credit reports from annualcreditreport.com, on XX/XX/2022 XXXX XXXX which is now in collections with XXXX XXXX has reported both accounts ( XXXX, XXXX ) in collections with Experian and XXXX and not with XXXX. I'm requesting that this inaccuracy be deleted from Experian and XXXX credit reports.

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 2022-08-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

1. XXXXXXXX XXXX Account Number : XXXX Bal : {$4800.00} 2. XXXX XXXX Account Number : XXXX Bal : {$840.00} 3. XXXX XXXX  Account Number : XXXX Bal : {$2800.00}

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 2022-08-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 

1. XXXXXXXX XXXX Account Number : XXXX Bal : {$4800.00} 2. XXXX XXXX Account Number : XXXX Bal : {$840.00} 3. XXXX XXXX Account Number : XXXX Bal : {$2800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 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: Portfolio Recovery Associates, LLC
State: OK

Complaint narrative:
I have told XXXX XXXX this not my card and I have told portfolio and they refuse

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: NM

Complaint narrative:
My problems and issue began immediately after my closing date. Rocket Mortgage along with my home owners insurance, XXXX, set my mortgage payments and escrow. Eight months after making payments, rocket mortgage ran an escrow analysis claiming I had a shortage of {$1800.00}. After further investigation, I found that my home insurance increased {$20.00} per month, however there was no change to my property taxes. 
I fought this escrow claim and asked Rocket Mortgage to look into it, they claimed everything looked well in their system. To date I paid between $ XXXX {$3200.00} to rocket mortgage and they refuse to assist with this matter. I canceled my insurance through XXXX as they were not helpful. I tried resolving with a supervisor from Rocket Mortgage and this person gave me the same answer and refused to look into my paperwork and/or documentation history.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Affirm Holdings, Inc
State: MA

Complaint narrative:
I ordered something on XXXX XXXX XXXX XXXX on XXXXXXXX XXXX from affirm company was a scam they took out 3 payments so i stopped the last payment and now affirm is sending me charge offs after i told them that i never received product and the company they have listed is a fraud scam i keep getting the run around with affirm they said they favored in the merchant after investigation i dont know how they could of if i never received anything and the merchant XXXX XXXX  website and phone number is now disconnected my credit is good and now with a charge off its ruining the chances of me trying to buy a house right now all they keep saying to me is pay the payment that is fraud ive been so stressed out over this. Wanted to know what my next step is i can do ive tryed a few thingsfrom calling the fbi fraud they are a joke

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
Equifax is in violation of 15 usc 1681 ( b ) ( a ) ( e ) ( 2 ), which states that a consumer reporting agency may furnish a consumer report but in accordance. I the consumer did not give them consent to report anything. No consent is identity theft. I demand equifax remove two collections accounts, late payment inquiries and hard inquiries from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: KEYCORP
State: NY

Complaint narrative:
Ex wife opened up bank account fraudulently in my name as a means of retaliation for ending our relationship. She knows my social security number as well as all other information, her maiden name is XXXX XXXX. Her last known residence to me is XXXX XXXX XXXX, XXXX XXXX, NY, XXXX. I believe this person has stolen my information and used it to open accounts fraudulently because she has made threats to do so in the past. First a key bank account was opened to commit unemployment fraud then an XXXX  checking out.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation