vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/XXXX, I contacted Citibank in reference to The charges below which were not Authorized by me, The card holder, XXXX XXXX. See XXXX transactions below. 
Unauthorized charges on my Citibank XXXX XXXX Totaling Amount {$6300.00} Ive contacted OHIO XXXX XXXX 3 times and no response. Phone # ( XXXX ) or ( XXXX ) XXXX XXXX. XX/XX/XXXX {$390.00} Ohio XXXX XXXX @ XXXX XXXX. XX/XX/XXXX {$390.00} Ohio XXXX XXXX @ XXXX XXXX. XX/XX/XXXX {$390.00} Ohio XXXX XXXX @ XXXX XXXX. XX/XX/XXXX {$390.00} Ohio XXXX XXXX @ XXXX XXXX. XX/XX/XXXX {$390.00} Ohio XXXX XXXX @ XXXX XXXX. XX/XX/XXXX {$390.00} Ohio XXXX XXXX @ XXXX XXXX. XX/XX/XXXX {$18.00} XXXX  online @ XXXX XXXX. XX/XX/XXXX {$41.00} XXXX  online @ XXXX XXXX. XX/XX/XXXX {$150.00} XXXX XXXX @ XXXX XXXX. XX/XX/XXXX {$10.00} XXXX  @ XXXX XXXX. XX/XX/XXXX {$10.00} XXXX  @ XXXX XXXX. XX/XX/XXXX {$450.00} XXXX XXXX @ XXXX XXXX. XX/XX/XXXX {$390.00} Ohio XXXX XXXX @ XXXX XXXX. XX/XX/XXXX {$390.00} Ohio  XXXX XXXX @ XXXX XXXX. XX/XX/XXXX {$390.00} Ohio XXXX XXXX @ XXXX XXXX  XXXX. XX/XX/XXXX {$390.00} Ohio XXXX XXXX @ XXXX XXXX. XX/XX/XXXX {$390.00} Ohio XXXX XXXX @ XXXX XXXX. XX/XX/XXXX {$390.00} Ohio XXXX XXXX @ XXXX XXXX. XX/XX/XXXX {$390.00} Ohio XXXX XXXX @ XXXX XXXX. XX/XX/XXXX {$390.00} Ohio XXXX XXXX @ XXXX XXXX. XX/XX/XXXX {$7.00} XXXX @ XXXX XXXX. XX/XX/XXXX {$10.00} XXXX  @ XXXX XXXX. XX/XX/XXXX {$10.00} XXXX  XXXX @ XXXX XXXX. XX/XX/XXXX {$27.00} 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 2022-11-16 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have been having trouble with this company there are several items that are clearly inaccurate and some of the collections are duplicates but they don't seem to be taking a look at this matter so I am seeking help from CFPB and XXXXXXXX XXXX XXXX XXXX XXXX to resolve this matter once in for all.

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 2022-11-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-16 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: NC

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 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: PA

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account # 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 section : it also states a consumer reporting agency can not furnish a account without my written instructions. XXXXXXXX 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 2022-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Hello, I am writing to request a investigation of the following information : - Received a letter on XX/XX/2022 from Bank of American - The letter that indicate that I have a XXXX XXXX  account, the last XXXX digits account number is XXXX- I have never authorized to open a account with Bank of American It is against Law that someone open an account with Bank of American and without my authorization. 

Look forward to hearing from you soon. 

Regards,

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 2022-11-16 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Collection Bureau of the Hudson Valley, Inc.
State: ME

Complaint narrative:
Once again this company has disrupted my day and called me during business hours when I have clearly told them to no call me from XXXX XXXX Constantly calling claiming I owe them 1000+ when I already settled it with the insurance agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Overdraft fees charged when deposits are made and money available to cover charges. 

Deposits made through XXXX not processed for over XXXX hours repeatedly allowing overdraft fees to be charged. 

Clearing purchases before deposits made before the purchases were.

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 2022-11-16 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: FL

Complaint narrative:
I am a natural person, i am a living human being, i have rights under 15 USC 1681. Equifax is govern by 15 USC 1681, and they violated my rights numerous of time. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 


Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Mountain Run Solutions, LLC
State: WA

Complaint narrative:
Alleged debt was incurred back in XXXX with a security monitoring company named XXXX. I was in military and moved in XXXX from property where alarm system was located. Now apparently the company sold debt which is over XXXX  years ago stating debt was in XXXX for {$540.00} Company name is MOUNTAIN RUN SOLUTIONS.. This company has also even calling and harassing and threatening me. In addition, they have reported this on my credit profile fraudulently and has caused significant harm to my life. My credit score dropped XXXX points preventing me from purchasing a home and high interest rates. They have now falsely reported on my credit report that account was opened in XX/XX/XXXX.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 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:
XX/XX/2022 went to XXXX XXXX in XXXX XXXX Texas and inquired about getting new car they specifically stated they will do a soft credit pull, but unfortunately they did a hard pull, then today XX/XX/2022 I get a report on all 3 credit bureaus about hard pulls on like 20 companies that I don't know off nor have heard them, contacted the companies and they don't have an account with me after not giving me an explanation on who authorized or when or why, called XXXX, called the credit bureaus, called everyone and no one has an answer no one is taking responsibility I'm now stuck with hard inquiries that will be in my credit report that I have no knowledge of

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Kohls I had only a XXXX credit line I didnt go over that but closed the account. They list in my report I am 195 % credit usage adding their fees above my XXXX limit as usage. Which is incorrect they have that my past due amount is {$580.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Upon reviewing my current credit report from your bureau, I came across the disputed account, and I don't think they are 100 % correct. Would you please UPDATE this account from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-16 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: NC

Complaint narrative:
Upon reviewing my current credit report from your bureau, I came across the disputed account, and I don't think they are 100 % correct. Would you please UPDATE this account from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
I applied for a loan modification last year in the month of XXXX, the company Freedom Mortgage after verifying that they received my documents never completed the process. I called the company over and over for the status of the modification in which they just never processed it. After a almost a year of waiting for them to do something, the delinquency reached a whooping {$15000.00}. Around this time I had to reach out to XXXX XXXX for assistance to save my property from foreclosure in which they assisted with the debt. Freedom Mortgage gave the city the wrong payoff amount to cure the problem thus leaving a remaining battle to become current. Again after receiving these monies they requested that my documents were missing and to apply for again with updated documents which I did. Up until this very date they still have not started the process of modification and the balance is again rising. The company has also sent me a demand letter for the past due payment and are threatning foreclosure. Freedom Mortgage has shown gross negligence in this process and I am looking to seek legal counsel to consider a lawsuit.

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 2022-11-16 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
My husband and I purchased a house by taking over the mortgage on property. This was done through a local bank. Years later, we pay property off, received closing paperwork and property title. We checked with our local county office and the property was recorded with previous owners. How to we get this corrected?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 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: Chime Financial Inc
State: TX

Complaint narrative:
So on Wednesday XX/XX/2022, I was at a allpoint ATM inside a XXXX because chime has it on their app as a " Fee free '' ATM. So I arrived around XXXX ish. I attempted to withdraw my money for rent and about XXXX transactions occured. XXXX were approved and XXXX were denied. The ones that were denied I have proof of no money being dispensed. My account was still deducted the amount my receipt said was " Denied '' by the ATM. So I contacted chime and on XXXX the XXXX my account had a " adjustment '' and they gave me a credit of XXXX back to my account. ( This is all happening with my pay check from work ) However, on Wednesday XXXX the XXXX 2022 they took that " credit '' back and so essentially again taking the money from my paycheck away. Desputes were filed and I was told they received an email claiming I the account holder requested to close the case. But everytime an attempt has been made to reopen every agent tells me they are making sure it's done. Then I'll call back and the next person will say " oh it doesn't look like anything has been applied to the account ''. With this back and forth eventually my pay check hit again and paid back the negative balance their actions caused.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 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: EQUIFAX, INC.
State: LA

Complaint narrative:
On XX/XX/22 I disputed the account XXXXXXXX XXXX XXXX XXXXXXXX as a result XXXX DELETED the account stating that the account was violating the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq and was removed from my XXXX and my XXXX. Equifax is still reporting this account on my credit report, and this is causing me hardship. This account has been deemed as violating my rights under the FCRA as a consumer, and I have disputed this account several times with Equifax they have removed this account and days later put the account back on my credit report. I have attached proof. Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: U.S. BANCORP
State: FL

Complaint narrative:
In XXXX and XXXX there were incomplete XXXX  XXXX bankruptcies filed on my behalf that never went to court because of the erroneous filing. 

After this my mortgage company US Bank stopped reporting my mortgage payment. The XXXX XXXX  were erroneous filing and that should not affect the reporting of an account that has a 30 year term. 

In XXXX XXXXXXXX, the liability on the mortgage is an exception. Heres the part of the Bankruptcy Code that excludes long term debt like mortgage.

Section 1328 says, ( a ) the court shall grant the debtor a discharge of all debts provided for by the plan, except any debt ( 1 ) provided for under section 1322 ( b ) ( 5 ) ; Section 1322 ( b ), defining the debts excepted from the discharge, says ( b ) Subject to subsections ( a ) and ( c ) of this section, the plan may ( 5 ) provide for the curing of any default within a reasonable time and maintenance of payments while the case is pending on any unsecured claim or secured claim on which the last payment is due after the date on which the final payment under the plan is due.

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 2022-11-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
So opened a New Bank Account In XX/XX/2022 in Citibank XXXX XXXX XXXXXXXX XXXX, XXXX  XXXX  NY XXXX Because my dad had past way in XX/XX/2022. He had XXXX Bank Accounts a saving and checking in Citibank. In the XXXX he put me As a beneficiary. So I open a new account under my name. I presented the Documentation that the bank ask me for like XXXX XXXX, his iDs, and my ID and my birth Certificate, and my Dads bank statements.. before I opened the account the Rep of Citibank had verified with their legal team before they handed over my dad funds. Which their legal team said I enough to prove to withdraw the funds which I did.and open the accounts Checking and savings account. When the funds got cleared I started withdrawing money from my account to pay funeral expenses, hotels, Documentation and travel expenses. My XXXX XXXX XXXX XXXXXXXX XXXX Around 20 days later Im having trouble taking out money from my account. I found out my that Citibank restricted my accounts checking and savings and their are closing my accounts within 60 days of the letter.. whatever funds that I had in account they will be mailed to me, but if I wanted my funds sooner I should call or go branch.. I called and went to branch.. they I had wait XXXX and XXXX hours that was XXXX weeks ago.. as well the letter said that fraud activity and need to get verified, I did that. They ask me how I did get the funds to fund account. I told I am XXXX on my XXXX savings account.. they told go back to branch that i open my account to speak with them. I went over there and they did speak with representative that open my accounts. Spoken to few Citibanks Representatives try to help me, tried escalate the matter, written XXXX emails and no response from person that is handling my case. Im getting the run around. Telling they cant do nothin only send email.. this is why I decided to file complaint to see if you get answers .. this adding to much on plate with my XXXX XXXX XXXX XXXX XXXX XXXX. It to much stress.. need to pay XXXX expenses and other things he left unpaid So please help me if need proof paper work, pictures or video, I would gladly send them to you.. I reported to FDIC but they told your institution supervised Citibank

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
Equifax has taken XXXX payments from my XXXX account unauthorized. I have called XXXX times and have been promised a full refund to just be hung up by the supervisor making the refund. On there site they do not allow me to cancel this unauthorized account. I am owed XXXX payments {$19.00}. Please help. I am so frustrated.

Company response to consumer: Closed with explanation