vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-19 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: CITIBANK, N.A.
State: WI

Complaint narrative:
Cbna XX/XX/2022 XXXX inquiry I have no acknowledgment of this account or even create discount, or try to fill out for anything with this account. I tried reaching out to them. They said they dont see me in your system.

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 2023-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
Additional bank and fees for my account? I'm authorized and changed without my knowledge or consent.

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 2023-04-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reported on my credit report. l received a copy of my credit report and to my surprise, I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXXXXXX XXXX  XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
4. 15 US-CODE 16921 ADMINISTRATIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
6. 15 US-CODE 1692E FALSE OR MISLEADING REPRESENTATIONS-XXXX XXXX XXXX XXXX XXXX XXXX Delete this account.

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 2023-04-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Creditor stated that late payments would be removed after account was paid. AUD was sent and you are still reporting late payments. I am demanding that Transunion update this account to paid as agreed, never late per the agreement that I had with the creditor. XXXX and XXXX are not reporting anything derogatory for this account. Please update XXXX XXXX  XXXX. The dispute letter which is dated and time stamped is attached. I highlighted the account in reference.

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 2023-04-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.
State: AR

Complaint narrative:
. I received a text stating a fraudulent charge of {$2400.00} from XXXX XXXX in XXXX had occurred. 
2. After hitting " No '' on the text which I thought came from Citi, I immediately got a phone call from someone claiming to be from Citibank fraud department asking to verify that activity. XXXX was number who called me. 
3. I then started getting texts of codes that I thought were from Citibank as the caller said and wanted me to read the numbers back to him to verify my account. 
4. Then I was given a new temporary password over the phone which I entered into my account.

5. The caller verified the last 5 transactions on my account so I thought I was talking to Citibank.

6. Then while still on the phone, I got another text asking me if I had just sent a XXXX to a XXXX XXXX. I was then under the impression further fraud was being attempted on my account. 
7. The caller told me the only way to stop the XXXX attempts was to " max out '' my XXXX amount for the day by sending it to a XXXX account in the Citi fraud department that would be set up as a new recipient with my name. See screenshot of the number that was put in by someone else as the Citibank account recipient. I was told I was " sending the money to myself '' as part of Citi 's fraud department attempt to secure my account. 
8. Caller told me to send {$2500.00} to this XXXX number where they had put my name. I do not know this number, nor did I set it up as a recipient. The hacker did this in my account and sent the money. 
I then became suspicious and hung up the call and called Citibank to report the fraudulent activity. 

I do not know the recipient of these stolen funds or do I have their number in any contacts on my phone. I was hacked into believing someone from Citi was on the phone with me.

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 2023-04-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I have been trying for months to open and fund an IRA account with Synchrony Bank. The account has been opened ( account # XXXX ) and my employer, XXXXXXXX XXXX XXXX, has already sent the check for approximately {$50000.00} to Synchrony ( XXXX XXXX XXXX  ), but the check has not been deposited, and Synchrony keeps asking me for the same forms which I have filled out multiple times, before they will fund the account. As of today, that check is in limbo, somewhere with Synchrony, waiting to be deposited.

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 2023-04-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: CA

Complaint narrative:
The last time I ever made a payment was XX/XX/2018. This was a childcare facility and no debt was owed. How can you even try to attempt to collect anything over 4 years later, which there was no balance. Please remove these false information from my report. I don't appreciate company 's trying to get money out of poor single mothers.

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 2023-04-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: U.S. BANCORP
State: MO

Complaint narrative:
I received 4 letters of denied credit card applications. I didn't apply for any of these. They all were done on the XXXX and XXXX of XXXX. I am speaking to the lenders and resolving as much as I can. 
XXXX XXXX, XXXX, XXXX XXXX and XXXX XXXX. 

I need these online applications traced back to who did this and I want to prosecute them. 

I don't know where to go from here. 
I am XXXX and on a fixed income.

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 2023-04-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I was never late on accounts listed above, please show me documentation showing proof of transactions showing I was ever late to support your inaccurate reporting on my account. If you can not supply this, please delete the alleged late payments from my credit report. This is an invalid late payment. The FCRA allows 30 days for this to be rectified.

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 2023-04-19 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: CA

Complaint narrative:
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX I was never late on accounts listed above, please show me documentation showing proof of transactions showing I was ever late to support your inaccurate reporting on my account. If you can not supply this, please delete the alleged late payments from my credit report. This is an invalid late payment. The FCRA allows 30 days for this to be rectified.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 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: AL

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 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: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
On XX/XX/XXXX I called a company called Resurgent and spoke with XXXX XXXX ( acct senior rep ) who informed me that I needed to speak with a different department and transferred me, I then spoke with XXXX XXXX whom claimed to be a supervisor in the secured loan servicing department and provided me with the account XXXX for LVNV Funding and said I am in the wrong department and said I needed to speak to a different department again. 

I was then transferred to another person named XXXX XXXX who confirmed that the company received my fraud dispute on XXXX XXXX from the credit bureaus along with supporting documents which included a police report and FTC complaint, however they couldn't complete my dispute because there was a fraud affidavit missing. 
I was never informed by LVNV Funding that they needed a fraud affidavit in order to process my request of Identity theft, although XXXX XXXX made herself personally responsible to send me a fraud affidavit on XX/XX/XXXX I am requesting this matter gets looked into deeper for violations of Federal law 15 U.S. Code 1681N - civil liability for willful noncompliance. I have made several attempts to have this matter resolved with LVNV funding and XXXX however have been unsuccessful. 
LVNV Funding is reporting invalidated fraudulent information to the credit bureaus and said action might constitute fraud under both Federal and State laws. Due to this fact this is my final attempt to have this matter resolved prior to contacting the National Association of Attorney General and seeking legal action. 
Attached I am sending a copy of my valid police report and case number along with the FTC complaint that I have already filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NV

Complaint narrative:
On XX/XX/2023 I submitted a claim with CashApp to return the funds that they took and my claim was denied on XX/XX/2023. It's unclear why CashApp decided to take my funds and deposit my money in their bank account. I made a reservation with XXXX XXXX on XX/XX/2023 to stay from XX/XX/XXXX, XXXX XXXXXXXX XXXX ( I used my CashApp card to hold the online reservation ) ; for unforeseen circumstances I had to cancel the reservation on XX/XX/2023 ( within the cancelation policy ) and on XX/XX/2023 I noticed that the CashApp card was charged {$200.00} ( XXXX night room and tax ) so I contacted XXXX XXXX ( Cancellation # XXXX ) regarding the charge and they ensured that they did not charge my Cash App card for any fees nor for the room- since I honored their cancellation policy. In addition, they sent me an email validating that they DID NOT place any charges on my Cash App card. ( I have the email if needed ). I contacted CasApp on XX/XX/2023 to submit a claim for the funds that CashApp took and deposit into their own bank account ( CashApp DID NOT deposit the {$200.00} to XXXX XXXX ). It's unclear why CashApp would take my money and keep it. They did not release the funds back to me ( on my card ) since this was a hold ; they did not deposit to XXXX XXXX and the denied my claim to refund my money. WHY? I'm trying to make sense of why they are keeping my money ( for NO REASON ) and enjoying a meal off of MY MONEY. There is NO REASON why they denied my claim and no reason to put MY MONEY into their bank account. I want my funds {$200.00} returned and an investigation into this matter. Something is fishy about this situation. 
CASHAPP info : Dispute denied. From : Cash App XXXX Date : XX/XX/2023 at XXXX AM PDT. Subject : Your dispute has been denied We reviewed your dispute with XXXX XXXX By XXXX for {$200.00}, and based on the details provided we determined that no error occurred. Therefore, we have denied your dispute. 
MY CASH APP CARD info : XXXX XXXX XXXXXXXX XXXX XXXX {$200.00} XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: VW Credit
State: MD

Complaint narrative:
Hello, I paid off my VW lease on the XXXX of XX/XX/2023. 

I was told that I would have my title within 10days of the payment. It is now XX/XX/XXXX and still no title. I even Paid extra to have the title sent faster to my home. 

I have since sold my vehicle and the party that it was sold to will not release funds until they have the title. 

This process has caused hardships for me since I cleared out my savings to payoff the balance and sell the vehicle. 

I am also requesting that VW pays me back for the last 2 months of payments due to this issue. I have also called VW and they told me that they are backed up with title issues and they can no do anything about it. That seems unfair to me since they already have taken my money and I do not have the title.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-19 00:00:00
Product: Credit reporting, credit repair services, 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: NJ

Complaint narrative:
Yes my name is XXXX XXXX XXXX in present date today is XX/XX/2023 I called Experian today at XXXX XXXX  and spoke with XXXX Representatives from different departments dispute Department and membership Department each kept throwing me back and forth saying it is the responsibility of the other department finally I got upset and told them I would report them there's some misinformation on my credit report that is not being shown they have my credit card usage at {$9200.00} of credit I have over XXXX worth of credit that's not being reported not as dead but as credit I could charge up I asked them to resolve this but they kept throwing me from person to person and not giving me a supervisor when I requested for a supervisor so finally I gave up and told him I would be reporting them now the information on my credit report should show that I have {$24000.00} of credit well they're only reporting 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 2023-04-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I do not recall opening an account with this creditor and they have failed to validate this account. I have asked for a contract bearing my signature along with a copy of my id and ssc, but nothing has been sent so how are you verifying this account as accurate. I was involved in XXXX data breach in 2017 and I do believe my information was compromised. You have failed to verify this account and proceed with reporting an account that may have been opened due to fraudulent activity. I am requesting that you remove this account one last time before I am forced to take legal action against you under the FCRA. Please remove account 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 2023-04-19 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
Notice of Intent to Accelerate, dated XX/XX/2023, which advised me the account was in default and if not cured by XX/XX/2023, they would exercise our rights under the law or we would repossess the vehicle. 
I was given this letter the thing is they can sell or give out my info to any 3rd party repossession company without my consent if they do if will be consider illegal I will sue for no more than XXXX XXXX for willful negligence. Payment has been sent for the late payments through a check when i got the bill statement in my mail a little later after XXXX XXXX. THIS IS MY LAST ATTEMPT to settle the inaccurate info reported to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: OneMain Finance Corporation
State: GA

Complaint narrative:
I applied and was approved for loan options with one main financial, upon completing what they say was required by uploading all documents asked for, I received a call by Branch Manager XXXX XXXX who asked for collateral info for my vehicle, upon the info, he said he would deny me based on the age and mileage of my car. This is indeed discrimination and adverse action. 

RE : Adverse Action I, XXXX XXXX, the consumer and natural person, was denied credit by ONE MAIN FINANCIAL when I applied for a personal loan. Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k. You are subject to criminally liability for violating 15 U.S.C 1691 as I have proof that i was discriminated against by ONE MAIN FINANCIAL due to the response I received.

ONE MAIN FINANCIAL is in violation of 15 U.S.C 1642.

U.S.C 1681m and 12 cfr 1002 because I, the consumer, made an application in good faith, but credit was not issued. Furthermore, because my social security number ( credit card ) was used and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of ONE MAIN FINANCIAL.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC
State: NY

Complaint narrative:
We were involved with the XXXX  XXXX XXXX XXXX in XXXX  which was the beginning of the problem. During that time XXXX  XXXX XXXX sold my mortgage to XXXX. A loan modification was completed. I was a single parent of young children and had some medical issues which kept me out of work. Mortgage sold again to XXXX. A loan modification was in process and I had already made the first payment. I was involved in a near fatal boat accident and spent 6 weeks in the hospital. Even after XXXX surgeries to save my arm I am permanently XXXX and was forced to medically retire. At the time when I got out of the hospital I immediately called and explained the situation. The mortgage company told me they already canceled the modification, and that they would not help or assist me further.

Mortgage sold again this time to Selene. Now I have a further reduction income due to XXXX and COVID-19. I hired an attorney to handle the modification however due to lack of IRS tax returns the attorney is demanding another {$3500.00} to start the modification process all over again.

Company response to consumer: Closed with explanation