vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Citi sent me an offer to open a credit card account in XX/XX/XXXX 
The invitation had a number : XXXX and the terms included a balance transfer fee of 3 %. I applied, an account was opened, I began a balance transfer but the BUT THE FEE WAS RAISED TO 5 %. I made numerous calls, spoke to numerous people over the course of 2 weeks but the fee always remained at 5 %. Subsequently I decided not to make the balance transfer. 
This was BAIT AND SWITCH.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
On XX/XX/2023, XXXX XXXX charged our debit card XXXX times in one night. I received an email saying that fraud charges were suspected from our bank, Wells Fargo. The following day, I tried to use my debit card for a purchase and it was denied. I went online to check my account and noticed numerous charges made to XXXX XXXX ( XXXX to be exact ), resulting in over {$1700.00}. I immediately called the bank and disputed the transactions. New cards were issued for both me & my husband since they had froze his card as well. The bank opened a claim and said it would be 10 business days before we heard anything back regarding the issue. 
The next day, I looked on my account and noticed that the banker hadn't caught all the transactions, so I added another claim. Meanwhile money was coming out from other bills and resulted in some overdraft fees. I didn't worry about it because I assumed that the bank would refund us the money once the claim was resolved. 
After awhile, since it was the holidays, I finally called to ask what was happening with our claim. The lady assisting me said that their investigator came to the conclusion that the charges in fact were not fraud and that they wouldn't be refunding the money. How can that possibly be? There's no way that we charged our XXXX  XXXX times XXXX night resulting in over {$1700.00}. I was angry, but the banker assistant couldn't help me anymore. I still have not received a letter or anything regarding the claim from Wells Fargo. It has been over XXXX now. 
We have been banking with Wells Fargo for at least XXXX years and never have had such a disturbing issue before. I have submitted fraudulent charges in the past and been refunded. I don't know why I am not this time. It is very upsetting to have money taken and then the bank not doing what they're supposed to be, protecting their customers.

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 2024-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

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 2024-01-05 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I have unauthorized Inquiries that I do not recognize. I ask that the Inquiries be removed from my Equifax credit profile. 

Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have also attached a copy of ITR along with my complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-05 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: TX

Complaint narrative:
In the course of reviewing my credit report, I spotted some inaccurate and fraudulent accounts that need reporting and correction through your company. 

Please see the attached PDF file on this complaint. These are the letters I submitted to the involved Bureaus and my personal documents attached to it.

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 2024-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-01-05 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: LA

Complaint narrative:
In the course of reviewing my credit report, I spotted some inaccurate and fraudulent accounts that need reporting and correction through your company. 

Please see the attached PDF file on this complaint. These are the letters I submitted to the involved Bureaus and my personal documents attached to it.

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 2024-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I have sent letters and disputed this account multiple times. They came back as " verified '' without any proof. I have received a letter from XXXX XXXX stating there is errors and the account must be removed. This is the final attempt before my lawyers will be involved.

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 2024-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have sent several letters asking for the removal of inaccurate information including personal information that is reported on my credit reports. I have in return, received letters stating that they can not verify my identity. I have sent in a copy of my id information.

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 2024-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have sent several letters asking for the removal of inaccurate information including personal information that is reported on my credit reports. I have in return, received letters stating that they can not verify my identity. I have sent in a copy of my id information.

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 2024-01-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
On XX/XX/ I filed a complaint with CFPB regarding my mortgage servicer, PHH Mortgage Services. CFPB reached out to PHH via an Ombudsman who was able to secure a repayment plan for me on XX/XX/XXXXXXXX XXXX My PHH Relationship Manager made it clear that CFPB was the reason my account was reviewed and approved for a repayment plan. I was offered a 50 % repayment on the balance due. Before they would confirm the repayment plan, PHH requested financial information including Profit & Loss statements, bank statements, social security statement and other income which I provided. I was assured that after they received this information, they would proceed with the repayment plan offer. Without telling me, they started foreclosure proceedings on XX/XX/XXXX, two days after the offer of a repayment plan was made. They did not notify me of their decision to proceed with foreclosure and they now demand a complete 100 % reinstatement of my arrears. PHH did not act in good faith after they replied to my complaint to CFPB. I have the funds for a 50 % repayment immediately as well as proof that my income has recovered and is more than adequate to continue making mortgage payments on time and in full as they demand. Because they did not notify me of the foreclosure, I want to reinstate the repayment plan with the private investor. Only CFPB was able to reach the private investor on my behalf. PHH will not disclose the identity of the private investor to me. It is unlikely that he changed his mind in 48 hours and more likely that PHH decided to foreclose on my house because of its increased value. 


This is not a repeat complaint but a new complaint based on false information that was supplied to me after PHH reviewed my CFPB complaint. I want to go forward with their offer. I am willing and able to go forward with the repayment plan 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 2024-01-05 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: CITIBANK, N.A.
State: AZ

Complaint narrative:
On XX/XX/2023, I purchased items from XXXX worth {$1700.00} and received my order on XX/XX/2023. In XXXX, upon inspecting the items, I found they were all defective because they weren't sewn properly, it's unsaleable. I contacted the merchant about the defects, informing them I could return the items as they offer a 30-day free return for defective items. The merchant ignored my request and insisted on remaking the items, but I declined, worried about a repeat issue. I took the matter to XXXX, but after almost a month, there's still no solution. I went to Citibank to dispute the charge. Despite providing all the necessary documents, Citibank credited me {$130.00}, which is not enough. I expect the full amount back, as I showed evidence of the defective products, evidence of the merchant ignoring my request to return the items, evidence that they offer a 30-day return, and more.

In Citibank 's first letter, they asked if I attempted to return the items, which I provided proof of my messages to the merchant that I want to return the items. However, I can't return the items if the merchant doesn't provide a return shipping label. How am I supposed to return them if I don't know where to ship them? 

Citibank 's last letter mentioned their attempt to resolve with the merchant, who still refuses to issue a credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Mobile device was stolen while out of the country, digital wallet was hacked and {$19000.00} was stolen from my Bank of America account overnight all through the digital wallet. Bank of America did require any verification for the XXXX to be transferred from my account while I was out of the country. I called Bank of America immediately within 24 hours of the funds being stolen and reported the fraud. They are now claiming that I authorized all transactions while my device was stolen, and that the amount lost is not outside of my normal spending pattern. I made a large check deposit to Bank of America made to my bank prior to my trip and they held the funds for 2 weeks claiming that the deposit amount was flagged as being more than what the account normally holds. I filed a police report and filed fraud with the FTC and provided Bank of America all of the information. They are refusing the claim and saying that they are unable to pay.

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 2024-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Indie Technology DBA Found
State: PA

Complaint narrative:
On XX/XX/23 my account at Found.com was breached without my knowledge, the people who committed the fraud, got into my online back account, all in the same day, they added a new payee to be able to send money in a way that i have never used before with the bank, changed the phone number so that i don't get any alerts, and wiped out all my money in the account, then closed the account. I contacted the bank the very next day and spoke with a female and advised her of what happened, she put the account on hold and sent it to the fraud department. The fraud department doesn't take calls and once its in this department no regular customer service person can help you but they are the only ones you can contact. The bank claims the did an investigation and said since the transactions were originated from my online bank account its nothing they can do. Sd that the code they send out to very actions on the account were verified. as i told them its a new number on the account and no emails were sent to us. I contacted them in enough time that they could have contact the receiving back and asked them to put the funds on hold due to potential fraud, they didn't do anything, i did my own research spoke with the person who stole my money by calling the number they had put on the account, i asked him if he was the one that stole my money, he laughed and said i got you. This bank due to its processed or lack of allowed this fraudster to steel all of my money over XXXX that is for my business. The bank didn't take the steps that any other bank would have, closed the account, give me a new account so that my business can continue to run, provide a provisional credit until the investigation is complete, after weeks of going back and forth with the bank, and i told them how any other bank would have handled this, they finally gave me a new bank account number, but by then i already moved to another bank because my business still needs to operate. I truly believe this was an inside job, because i chose a bank that people doesn't know about, and no-one knows that i bank with this bank. I asked for documentation of who changed the phone number, IP address at time of the transfers and phone number changes, the bank has not provide anything. I dont think this is a real bank because the way they handle this was not bank like.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I received an amex gift card from my boss a couple years ago for {$100.00}. I have saved it for an emergency and when I tried to use it- it was declined. I called and tried to check the balance and it said that there was a problem with the card, not anything about the balance. Transferred to a customer service person - who said they needed to look into my card. They asked me for a lot of information which was concerning to me - name, address, phone #, email. They said they needed to open a case and it would take 7-14 days which was also concerning because the whole reason I was trying to use this card for an emergency purchase. ( When that emergency purchase couldn't be made, I tried to use it for another purchase just to see if it was the previous vendor- but that transaction was declined as well. ) I asked to speak to a supervisor to see if I could get this taken care of any faster and when I balked at all the information they wanted, I was put on hold for an hour and half. I called again - and then the new guy said that all of sudden there was no balance on the card - only XXXX cents left. I almost feel like they went and used the card themselves since I had provided all the information. They came up with some charge in XXXX that the card was used for on paypal - I do not use XXXX - and that this card was depleted. Now they opened a fraud case and say it could take 45 days to reach a decision?! That seems outrageous. 
It is sad that a card I had saved to use for a much needed purchase wasn't able to be used. And even more sad - that a company I had thought of as having excellent customer service has now become a run around. I looked on reddit and this has happened to so many people. Does Amex know that their cards arent working? Does Amex get all that money when we can't use the cards? It seems very fishy. Or maybe the Amex employees are taking old cards and using them and then saying they are depleted. Its sad.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
In the course of reviewing my credit report, I spotted an inaccurate Public Information that need reporting and correction through your company. 

I have attached the copy of my dispute letters that were sent it to the Bureaus.

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 2024-01-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: U.S. BANCORP
State: MT

Complaint narrative:
I opened a business account with XXXX XXXX in XXXX montana. I asked her if there were any fees and she said no. I also asked for electronic communications. I have been charged XXXX $ XXXX for paper statements. I haven't done a thing with the account, no payments, checks, deposits or anything. I asked for my money back 3 times when I came into the bank 3 separate times. A banker closed my account this last time I was in the branch ( today XX/XX/24 ) without my consent. Now I am having an additional issue to reopen the account so I can get my XXXX XXXX I spoke with XXXX XXXX the first two times and nothing was done. I want to file a complaint because they didn't explain fees, lied about costs, and wasted 3 days of my time so far trying to get my money back and close my account. The manager XXXX XXXX was not knowledgeable about procedure and unwilling to offer any help. This is the worst bank I've ever dealt with!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
In reference to CFPB Dispute XXXX I called Equifax who claim they never received any request from XXXX XXXX XXXX 

Even though I received an email from The XXXX XXXX XXXX Credit Card ( CFPB is cced ) that " We've sent a request to Equifax to change the XX/XX/2023, inquiry to a non-display inquiry. ". This letter was dated XX/XX/2023. 

I have called XXXX at least 10 times to follow-up and they say they have sent the message and will send it again. 

Equifax mentioned that they will not search to see it was misplaced or not entered into the system and that it should just be resubmitted or mailed via USPS ( by me ) till it is received!! They have no electronic means of uploading any attached documents Also XXXX XXXX have resent for the fourth time ( to my knowledge ) ... but every time instead of looking into why the XX/XX/XXXX letter was not received, they reset the waiting period to 30 days!! BECAUSE IT IS CONSIDERED A NEW REQUEST ALL OVER, So the counter is reset

Company response to consumer: Closed with non-monetary relief