vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/XXXX XXXX XXXX  I received a phone call with caller ID from Citigroup. The representative told me that Citibank noticed some suspicious activities in my XXXX accounts. They have mentioned that they saw two transaction with {$500.00} and {$990.00}. I told them I did not authorize these transactions. 

The Citi rep then said he needs to transfer the call to XXXX to help. The call was transferred to a XXXX rep and he told me to set up payees name as XXXX then type in case ID XXXX then send {$500.00}. He said in this way, XXXX Supervisor will able to see the amount with case ID then reimburse me back. He asked me to do separate XXXX for the {$990.00} with {$390.00} and {$600.00} each. After I did that, he said he made a mistake and need to bring on his supervisor to fix. His supervisor asked me to send {$1400.00} which is XXXX. After that, he said it is over their daily limit and in order to get all money back, I need to split the payment into {$1600.00} and some other amounts. After I sent another {$1600.00}, I noticed all the money left my Citi accounts. I finally realize this may be a fraud. I called Citibank from another line and they told me this is a fraud while I was on the phone with XXXX. 

Citibank then started fraud investigation. 

On XX/XX/XXXX, Citi informed me that since I authorized these transactions, I need to contact the receipt to get money back. 

My understanding is such fraud is covered by Regulation E and I should get my money back except {$50.00}. 

Transaction Date Amount Transaction Type Transaction Description XX/XX/XXXX {$1600.00} XXXX XXXX XXXX ID XXXX XX/XX/XXXX {$1400.00} XXXX XXXX XXXX ID XXXX XX/XX/XXXX {$600.00} XXXX XXXX XXXX ID XXXX XXXXXX/XX/XXXX {$390.00} XXXX XXXX XXXX ID XXXX XX/XX/XXXX {$500.00} XXXX XXXX XXXX  ID XXXX Please help me with this fraud. You can see Citibank 's responses in the attached PDF. Thanks

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 2023-02-02 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Someone called and said they were from Bank of America and asked me did I give authorization from my credit card and I said no. I even gave them the proof and it was file on XX/XX/XXXX of XXXX XXXX and when I called Bank of America they say they gave me credit but they didnt. I had XXXX saved in that account. I worked hard that XXXX.I had credit protection. They keep giving me the runaround. I dont no know anywhere to go but I want my money.

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 2023-02-02 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with Fair Crediting Reports Act XXXX XXXX account ending in XXXX Financial has violated my rights 15 U.S.C 1681 section 602 A states I have the right to privacy Also 15 U.S.C 1681section 2 it also states a company reporting agency can not furnish a account without my written instruction.

15 U.S.C. 166B A creditor may not treat a payment under an open end consumer credit plan a late for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with Fair Crediting Reports Act XXXX XXXX account ending in XXXX XXXX  has violated my rights 15 U.S.C 1681 section 602 A states I have the right to privacy Also 15 U.S.C 1681section 2 it also states a company reporting agency can not furnish a account without my written instruction.

15 U.S.C. 166B A creditor may not treat a payment under an open end consumer credit plan a late for any reason.

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 2023-02-02 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: NY

Complaint narrative:
The unverified account indicated below continues to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to Equifax on XXXX but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 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: NY

Complaint narrative:
The unverified account indicated below continues to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to Transunion on XX/XX/2023, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 

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 2023-02-02 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: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
This contract with Ally financial has been rescission and should not be on my credit report. Please remove any derogatory statements from my credit report immediately. I have attached a copy of the rescission papers.

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 2023-02-02 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: CA

Complaint narrative:
I am worn-out of sending dispute letters to Equifax requesting that they correct this mistaken account being stated on my Credit File because they have been doing nothing! This complaint is to follow up my prior protests and letters I submitted on XX/XX/2023 and to notify them that I am halfway of taking lawful action and litigate Equifax for their headstrong nonfulfillment of the FCRA statute. Only if they took time to update and correct the account on my Credit report, then I may halt filing proceedings against Credit reporting agencies. The account that should be adjusted is : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 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: UT

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 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 XXXX XXXX XXXX XXXX XXXX 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 2023-02-02 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: Experian Information Solutions Inc.
State: UT

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I recently learned about the Wells Fargo settlement and I had a checking account and mortgage with them from XXXX. I have not received any communications from them and believe I was impacted by their poor decisions.

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 2023-02-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Account # XXXX .... I am writing to dispute a fraudulent charge on my account in the amount of {$5.00}, XXXX. I am a victim of identity theft, and I did not make or authorize this charge an account was placed under my name erroneously. Since then, XXXX XXXX XXXX has damaged my name, and my credit XXXX XXXX XXXX has entered derogatory information into my credit file. I should not be responsible for XXXX XXXX XXXX mistake. XXXX XXXX XXXX has resource to enable accurate information about the clients inquiring new services. XXXX XXXX XXXX allows an account to be placed under my name erroneously. XXXX XXXX XXXX should verify all information prior to approving any application 's for services.

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 2023-02-02 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Account # XXXX .... I am writing to dispute a fraudulent charge on my account in the amount of {$5.00}, XXXX. I am a victim of identity theft, and I did not make or authorize this charge an account was placed under my name erroneously. Since then, XXXX XXXX XXXX has damaged my name, and my credit XXXX XXXX XXXX has entered derogatory information into my credit file. I should not be responsible for XXXX XXXX XXXX mistake. XXXX XXXX XXXX has resource to enable accurate information about the clients inquiring new services. XXXX XXXX XXXX allows an account to be placed under my name erroneously. XXXX XXXX XXXX should verify all information prior to approving any application 's for services.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Account # XXXX .... I am writing to dispute a fraudulent charge on my account in the amount of {$5.00}, XXXX. I am a victim of identity theft, and I did not make or authorize this charge an account was placed under my name erroneously. Since then, XXXX XXXX XXXX has damaged my name, and my credit XXXX XXXX XXXX has entered derogatory information into my credit file. I should not be responsible for XXXX XXXX XXXX mistake. XXXX XXXX XXXX has resource to enable accurate information about the clients inquiring new services. XXXX XXXX XXXX allows an account to be placed under my name erroneously. XXXX XXXX XXXX should verify all information prior to approving any application 's for services.

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 2023-02-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-02-02 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-02-02 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: FinCo Services Inc DBA Current
State: MS

Complaint narrative:
Yes I submitted a dispute on XXXX XXXX dispute amount {$400.00} the transaction happened on XX/XX/XXXX as soon as I noticed the unauthorized transaction i immediately reported it fraudulent charges on my account. I was told to wait till they were posted I then waited to XX/XX/XXXX XXXX contacted them again and reported the charges? My phone was stolen cards were stolen and account & XXXX account was hacked yes I did provide them with all the support evidence to support this claim. Today XXXX XXXX I was told I was denied when I had more than enough evidence showing I did not make those transactions. I know no one by the name XXXX XXXX XXXX  they are the people who stole, hacked my account & phone

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-02-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: McCarthy, Burgess & Wolff, Inc.
State: AZ

Complaint narrative:
I purchase a cell phone and had service. After a few days I returned the phone canceled the service and was given a FULL refund. The account was closed and fully satisfied. Then I get get a notification that I'm being sent to collections for {$69.00} from XXXX. I went in to a local XXXX store and spoke to a XXXX who looked at the account and told me it was fully taken care of and this was an error on XXXX side but he couldn't do anything becouse it had already been sent to collections. I do not owe this debt and it is negatively affecting my XXXX XXXX. I want I resolved immediately please. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have a mortgage account for my property in XXXX XXXX with XXXXXXXX XXXX XXXX and have opened an Escrow Account with them. In XX/XX/XXXX, I closed my Escrow Account and the Customer Support at XXXX XXXX said they will return the remaining balance to me via a check, which amounts to {$9400.00}. XXXX XXXX have confirmed that the check have been mailed out since XX/XX/XXXX. On Monday XX/XX/XXXX, I called XXXX they informed me that my check was cashed to a JP Morgan Chase Bank Account. I never received the check hence I did not endorse it and cashed it in. 

XXXX XXXX said that someone may have stolen my mail, forged my endorsement and cashed my check to a Chase account. Chase was at fault for letting the fraudster to cash my check with forged signature. XXXX XXXX sent me a copies of the cashed check mentioned above. I took the check and went to a Chase Bank branch to inform them of this scam that has happened and to let them know that a scammer has an account at Chase bank and that they processed stolen property with a fraudulent endorsement. The Chase rep apologized, confirmed that indeed the fraudster 's account is processing the check, but said nothing they could do to cancel the check till XXXX XXXX filed a dispute. 

After a lot of effort working with XXXX XXXX, on XX/XX/XXXX, XXXX XXXX sent me a letter confirmed that they have filed a dispute with Chase, but the investigation might take after 9 months due to expected delay from Chase.

In my view, Chase allowed the fraudster to cash the check, did not block it timely, now they are taking a very long time ( 9 months ) for this simple investigation ( matching my signature with the fraudster or directly call the fraudster to confront them should be sufficient ). I went to the Chase branch with this information and call the customer service line multiple times explaining the situation, but got no help and these reps said there were nothing they can do to help. 

Another problem I faced with Chase is that since this is not happening with my own Chase account, but the unpermitted check cash-in the fraudster 's Chase account. Everybody I talked at Chase ( either from call center or at the branch ) refused to help, I have to repeat this nightmare each time I talked to a new person trying to get help, spending countless of hours. 

I need this money to be refunded as soon as possible. I can not imagine why a bank will let someone cash a check in my name without my approval and refuse to address the problem timely. This is straight illegal. 

Please look at the uploaded document for police report, fraudulent check with fake signature, and letter from XXXX XXXX

Company response to consumer: Closed with explanation