vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
A friend of mine phone was hacked and I received a message from her asking to send {$1000.00} to an email. I sent the {$1000.00} to XXXX. Hours later she tells me her phone was hacked and that was not her I called chase immediately but they told me I have to speak to someone tomorrow ( which is today ) when I spoke to a rep today they told that it is not there issue because I sent the money. How was i to know her phone got hacked and I was trying to help a friend? This was with chase bank. What happen to my money being FDIC insured.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Contacted XXXX, XXXX, and Equifax regarding inaccuracies in reported accounts contained on my credit files on XX/XX/2021, via certified mail. Submitted information indicating the inaccuracies, however, the credit bureaus failed to respond within the allotted 30 days time frame, and I have not received a response regarding a dispute I communicated with in writing to the credit bureaus listed above to this date after over 90 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I had a Citibank Credit card that they allowed multiple fraud transactions to go through in another state ranging from 40-70 each. Citibank failed to notify me and I only learned of their lack of security when I was declined. I called Citibank and was only them informed by them about fraud purchases. I went over with the rep most recent purchases and I disputed all fraud purchases all in another state that Citibank allowed while they declined me. I was told disputes would be started and they would close account and that a new card would be issued. Before I received and even activated the second card Citibank allowed more transactions on new cc. When I asked how this was possible I was told the new cc number was probably a recycled number more like inside job and lack of security. I still wasnt refunded my money and Citibank was giving me problems. I spent over and hour on the phone with multiple reps disputing the fraud charges repeatedly. Ive made 20-30 calls just to get through often times being hung up on, talked over, transferred to close departments or just flat out lied to. Citibank preys on their phone customers not having access to local branches by giving them the run around. After Citibank allowed purchases on a card I had yet to activate I told them I didnt want them to send me a third card, they lacked security and its too difficult to get a resolution or a knowledgeable person on the phone. After some time and more calls My credit account showed fraud charges were reversed but my total balance due never went down. How is that possible? Citibank manipulates the online posts to account. You can go in one day and it shows total different from the next, I have screen shots to prove this.

Also Citibank did not honor the credit card agreement and give me my rewards due based on my spending which usually equals at least a 50 statement credit. 
They also negatively impacted my credit report since all these problems began. Now my credit card has the highest interest rate possible and an amount that was never adjusted. I also successfully contacted the CEO XXXX XXXX via email regarding my credit card and checking account and received an email response from the Executive office saying someone would contact me but like Citibanks response to CFPB that was a lie.not only did I not get a response but when I called no one would help me and told one one person could help me and they werent available and would contact me, another lie. I only received phone calls after complaint to other agencies. It was 3 consecutive phone calls one day with no voicemail. Then they knocking send letters that include lies.

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 2021-09-02 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: VA

Complaint narrative:
i was informed through the courts that a company is reporting misleading information on my report tried to fix it please remove these incorrect items

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 2021-09-02 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: TX

Complaint narrative:
I am filing this complaint because Credit Bureaus ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA - they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you

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 2021-09-02 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: Credit Karma, LLC
State: CA

Complaint narrative:
I have been dealing with ongoing identity theft for the past year. A scammer/fraudster was able to pull my credit reports through Credit Karma using my data. The only way I had found out was reviewing my credit report as a result of an alert from credit inquiries. There was a soft inquiry from CreditKarma.com which was odd as I had no prior account with Credit Karma. 

The scammer had created a Credit Karma account online and had already pulled my credit reports using the account. When initially creating a Credit Karma account, you just have to answer simple personal history information. I suspect this scammer used my stolen data or data curated on other freely available network ( ie., XXXX  ). In order for me to deactivate the fraudulent account and create my own account, I had to send in my Driver 's license and bill to verify with Credit Karma. Shouldn't this be reversed, where you send in your data to be verified upon account creation? Credit Karma inappropriately exposes my data to a scammer/fraudster without proper identification. 

Even site such as annualcreditreport.com uses the same method. Since there is no account creation on their site. It is even more difficult to tell if any scammers were able to gain access to my credit report. 

I believe the existing system of using only historical data to verify a person 's identity is highly ineffective and poses a security concern to all consumers. The person 's identity should be verified using current bill, driver 's license or ID.me which the IRS currently uses.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I am in total disagreement with Credit Bureau investigation response. The fraud items listed below still appear on my credit report, even after their investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. 
1. Identity Theft XXXX XXXX XXXX Account Number : XXXX Please remove this account from my credit report immediately! 

2. The following information is outdated. I would like it removed from my credit history report XXXX XXXX XXXX Account Number : XXXX Please remove this account from my credit report immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: GA

Complaint narrative:
There was an account from XXXX on my credit report dated XX/XX/2021. The original collector was XXXX XXXX and there is an amount for {$8900.00}. I did not open this account and I do not owe {$8900.00}. There is also another collector by name of XXXX, and they are XXXX XXXX, I have reached out to them and they stated someone opened 3 accounts in my name at this bank. They told me they would open fraud investigation and have it removed but it is still on my report. I am looking to have these 2 issues removed from all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Western-Shamrock Corporation
State: TX

Complaint narrative:
The creditors were not able to provide any form of documentation to verify this specific account with me. If they are not able to verify this account with me - the alleged account holder - there is no way they were able to verify this! I have filed a complaint demanding a deletion for this unverifiable account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
The creditors were not able to provide any form of documentation to verify this specific account with me. If they are not able to verify this account with me - the alleged account holder - there is no way they were able to verify this! I have filed a complaint demanding a deletion for this unverifiable account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 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: NY

Complaint narrative:
On XXXX, I wrote to TransUnion requesting an investigation into items that I believed were inaccurate. 

Now as date of XXXX, TransUnion failed to provide any investigation result

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 2021-09-02 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: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX XXXX CAINE & WEINER ( XXXX  ) XXXX XXXX XXXX ; XXXX  ; XXXX ( XXXX  ) CAINE & WEINER COMPANY INC. ( XXXX ) XXXX XXXX XXXX XXXX XXXX, CA XXXX Contact : XXXX or XXXX Dear Sir or Madam : I am writing to dispute the following information in my credit report file. As of XXXX. XXXX. XXXX  it is still displayed on all three of my credit report files. 
Attached you will see the discrepancies the items I dispute on the attached copy of the report I received.The information on CAINE & WEINER with a balance of {$490.00} is inaccurate because I've been contacted by your company about a debt you allege I owe several times. I am instructing you not to contact me any further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately. 
Please reinvestigate this matter to have them delete the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate. 
This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
This rule is effective XX/XX/2021. Please reinvestigate this matter and delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX XXXX, Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ; XXXX  ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX ( EQUIFAX ) XXXX XXXX XXXX XXXX XXXX, CA XXXX Contact : XXXX or XXXX Dear Sir or Madam : I am writing to dispute the following information in my credit report file. As of XXXX. XXXX. XXXX  it is still displayed on all three of my credit report files. 
Attached you will see the discrepancies the items I dispute on the attached copy of the report I received.The information on XXXX XXXX XXXX with a balance of {$490.00} is inaccurate because I've been contacted by your company about a debt you allege I owe several times. I am instructing you not to contact me any further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately. 
Please reinvestigate this matter to have them delete the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate. 
This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
This rule is effective XX/XX/2021. Please reinvestigate this matter and delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX XXXX, Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 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: GA

Complaint narrative:
on XXXX XXXX, i sent transunion a document concerning inaccurate and incomplete items they are reporting on my credit report.it was sent out usps certified mail w/tracking # XXXX XXXX XXXX XXXX XXXX and was delivered on XXXX XXXX has been over a month and i have not heard anything from them concerning this matter, so they have violated the law by not reporting within the 30 days time period and i would like for the inaccurate items be deleted 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 explanation
Consumer complaint received 2021-09-02 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: CITIBANK, N.A.
State: IN

Complaint narrative:
XXXX XX/XX/XXXX someone was trying to take cash advance from my credit card and also applied for a loan in my name with Citi Bank. I called the bank immediately. When I logged into my account everything was pending. The bank cancelled the card and replaced it by a different number. I was assured that everything will drop and would not be processed. For a period of time I could not log into my account. when the new card arrived I had to register all over again and create an account. when I had access to my account I found three cash advances were posted to my account and a cash advance fee charged to the account. When I called the bank they told me they are investigating. 
If I alerted the bank that I was not the one who was taking the cash advance why they did not stop it and why two more were added? Everything was pending nothing was paid yet why they transferred the money to someone's XXXX account? I alerted them it was not me who was doing this. I closed the account but the balance is much higher than it was before XX/XX/XXXX when all this took place. I am only responsible for the balance before XX/XX/XXXX. It also worth mentioning that I have never activated any of the credit cards they sent me since I opened the account two years ago. I simply opened the account because of a promotion they had and I transferred a balance at 0 %. I was only paying off the balance and have never used the card in store or online. the history on the account would prove that. 

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 monetary relief
Consumer complaint received 2021-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
My mortgage was serviced by XXXX XXXX at the beginning of the COVID19 pandemic. A forbearance program was offered and I opted in. The mortgage was then transferred to XXXX XXXX ( XXXX ). 

XXXX XXXX assured me that all would be good. Despite their assurances, I received 2 hand delivered notices as well as incessant robo calls. When I would speak to anyone at XXXX XXXX, the would continue to assure me that all was good and things were on track for a loan modification. 

Approximately XX/XX/2021, I was notified by a credit monitoring agency that a significant event and change occurred on my credit report. Upon reviewing my credit report, XXXX ( d/b/a XXXX XXXX ) reported a delinquent account to credit reporting agencies. 

I am not clear how this is delinquent when I have been communicating with XXXX XXXX about the modification program since the loan was transferred and I have made 3 payments since the modification started.

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 2021-09-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: FULTON FINANCIAL CORPORATION
State: PA

Complaint narrative:
In Spring XXXX I initiated the process of refinancing my home through Fulton Bank, NA. The purpose was to reduce my monthly payment, reduce the interest rate, and obtain cash out. I worked primarily with Fulton Bank. XXXX XXXX XXXX was the titling company. On XX/XX/XXXX I signed a disclosure form outlining the monthly payment and terms of my mortgage. My monthly payment was {$870.00}. 

On or around XX/XX/XXXX, I received a letter from XXXX XXXX at Fulton Bank indicating that they did not account for city taxes when determining my escrow amount. The left this item out entirely. XXXX XXXX did not successfully provide the tax certification information to Fulton. With the addition of the city tax to the escrow amount, the change meant that my monthly mortgage increased by {$130.00}. One of the reasons I signed the disclosure was that my intention was to pay MORE each month by about {$130.00}. With the change in disclosure due to someone's negligence and oversight, I now have a higher monthly payment that renders my rationale void. I wouldn't have signed this updated disclosure form. 

I've reached out to XXXX XXXX and XXXX XXXX with Fulton Bank regarding this grievance and they have not been able to answer my questions or assist whatsoever. I've attached the correspondence between these individuals, the initial loan disclosure form, and the subsequent disclosure form with the increased monthly payment.

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