vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-03 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
My Citibank credit card was used fraudulently between XXXX for XXXX XXXX transactions totaling {$790.00}. Citi was contacted multi times via phone, email, chat, their website and US Postal service to have the above amount removed from my current balance. They have done nothing to investigate or remove these fraudulent charges from my current balance. A police report was also filed regarding the fraudulent use of my card. I have emails from Citi stating I am not responsible for fraudulent transactions. However, this experience says otherwise and believe they are out of compliance with CFPB and certainly misleading consumers based on their email communications. Evidence attached ( pg 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 2022-10-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: GreenSky, LLC
State: TX

Complaint narrative:
I applied for a home improvement loan from Greensky XXXX ( hereinforth referred to as " Greensky '' ) in XXXX or XX/XX/2022 ( I do not recall the exact date ). A hard inquiry from Greensky appeared on my consumer credit report. However, I received a letter shortly thereafter that stated that my application was denied because " my information could not be verified ''. 

I found this reason to be too vague and likely erroneous. Therefore, I decided to send a letter to Greensky on XX/XX/2022 to request clarification and to request that they move forward with the application. I enclosed a copy of my Texas Driver License and the letter from Greensky for reference. 

Unfortunately, I did not receive a response from Greensky. I re-sent the letter about a month later. I still did not receive a response. So far, Greensky has been completely unresponsive. I find this to be highly unethical. Greensky should not have initiated a hard credit inquiry if they had no intention of processing my application.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 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: MN

Complaint narrative:
I have contacted all 3 credit Bureaus multiple times. I have. Sent them police report showing and trying to prove that there are accounts in my credit that should not be there. There is a personal loan with XXXX XXXX  that was fraudulent there is 3 credit cards one from XXXX one from XXXX  XXXX and one from XXXX  XXXX  XXXX  that should not be there. There is an auto loan with XXXX XXXX and another company that should not be there.

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 2022-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: United Funding Logistics, LLC
State: TN

Complaint narrative:
I paid XXXX to united funding logistics for credit repair services. 
I have been a customer for going on XXXX months. I have yet to receive any response on anything that they have done. I havent received any updates, improvements, removals on credit reports. They claim to be a credit dispute company but they dont dispute any issues unless you pay for another service to provide them with reports. That information isnt told to you up front. They charge a fee then if you dont do leg work to send them all the information they do nothing for you after they take your money

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
I have had an on going problem with 5th 3rd Bank for 2 years now. I would receive notification that I missed a payment, which I had paid. I would take copies of my canceled checks to the local branch and they would compare my records with account. They told me on five different occasions that for some reason my payments would go into an account and placed on hold and not being applied to my mortgage. On the previous five occasions they would figure it out and within a month or two we would have to go through the process again. 

On Tuesday XX/XX/XXXX I had an appointment at XXXX XXXX XXXX in XXXX  XXXX Indiana with XXXX XXXX, because my payments were not being applied to my loan again. XXXX compared our records and stated he didn't understand why it was showing a non payment as he was looking at my canceled checks. She stated I needed to talk to his supervisor XXXX XXXX because he did not know how to fix it. XXXX was not in the office that day so I had to make another appointment for XX/XX/XXXX. 

XXXX got extremely aggravated when speaking to me and started belittling me. She stated my account was a mess and I'm missing payments. Her and I got into a verbal argument over this situation. I explained to her that this is ongoing and I didn't need to be talked down to, that I am the one leaving work early and wasting my time to resolve the problem. I made a complaint with 5th 3rd Bank due to her lack of professionalism. 

On Thursday XX/XX/XXXX XXXX XXXX contacted me and began to assist me in this matter. XXXX said I was missing three payments between XX/XX/XXXX and XX/XX/XXXX. I provided her with canceled checks from XX/XX/XXXX to XX/XX/XXXX and every month was accounted for. For unknown reasons XXXX quit contacting me and her voice mail stated she was out of the office. 

Around XX/XX/XXXX XXXX XXXX contacted me and stated she would be handling my case. She stated I didn't pay two month in XXXX ( which were different than XXXX stated ). I provided her with the same canceled checks showing my mortgage was paid. XXXX stated she spoke to her supervisor ( unknown name ) and they were turning my case over to the Mortgage Research Department. 

I have contacted XXXX several times since XXXX of XXXX trying to fine out the status on my account and she says it out of her hands. She stated they will contact me with information when it's available. The only number she provided me was an XXXX number that is nothing but a customer service number and I got to repeat this whole thing. 

My monthly statements are showing me 30 days late ever month with late fees. My credit is receiving negative marks for being late every month and I can not get anyone to help me. They all act like they want to help until I provided proof of payments for every month they request. Please help me resolve this, eliminate my late fees and fix my credit. 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AmeriHome Mortgage Company, LLC
State: OH

Complaint narrative:
We were solicited several times by Amerihome to refinance our mortgage and get cash back for home improvements at closing. After our appraisal, we did not refinance because it did not meet the amount we wanted back, BUT we were told by the loan officer that we would at least be able to drop PMI. He gave us contact info, we submitted our information along with the appraisal ordered by Amerihome we had just paid {$450.00} for. We have been checking on status getting strung along by the PMI department for two months, and received an email today, poorly written, saying our appraisal is only good 3 months after closing so we are denied to drop PMI???? What??? We applied to drop it right away months ago, we never closed on any refinance, and the loan to value is well within range. HELP!!! THIS IS WRONG!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 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: TX

Complaint narrative:
YOU ARE REPORTING INCORRECT AND INACCURATE INFORMATION. 15 U.S.C 1681s-2 ( a ) ( 1 ) ( B ).

Responsibilities of furnishers of information to consumer reporting agencies ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. In conclusion, I have shown you and you have been put on notice that you are reporting inaccurate information. The information is, in fact, inaccurate. The continued reporting of this information is in clear violation of the law pursuant to 15 USC 1681s-2 of your responsibilities as a furnisher of information. 
Furthermore, pursuant to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( Haw. 1980 ) providing a contract ( electronically signed by someone with a different name ) is not debt validation.

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 2022-10-03 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:
Experian is furnishing fraudulent information on my consumer report. XXXX XXXX XXXX Alleged account number XXXX. Ive brought this to their attention several times with no success, they have yet to furnish any supporting documentation that this belongs to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase bank paid a {$500.00} fraudulent check written on my account which had no signature on the front of the check. They said the check would not have been accepted if brought into a branch for cashing/deposit, but because the transaction was remote deposit capture no one looks at it and it gets paid automatically. They said the other bank was at fault for allowing the deposit to be initiated. It does not sound like they have sufficient controls to protect consumers from fraud for their remote deposit capture processing. It also seems unfair to admit the check would not have been accepted in person, but because it was paid via XXXX  I have no recourse. 

My fraud claim was denied by the bank because the check was stolen from my vehicle, but I dont believe the check should have been paid in the first place due to a lack of any signature on the front of the check.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: LA

Complaint narrative:
In late XXXX my relative sent me {$290.00} via cash app so I had a choice to instantly cash out or standard I chose standard so I would y have to pay a fee on XXXX XXXX was the date of deposit however they deposited it to an account that I know nothing about and its not mines so the investigation started on the XXXX of XXXX and I still havent received my money every time I call they tells me theyre investigating or it went to the wrong department Ive reached out several times through out the investigation only to find out nothing is being done they keep saying its still under investigation I called for the last time this morning and its the same thing I need my money its mines

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 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: TX

Complaint narrative:
Spoke to XXXX ( XXXX ) in the Office of Consumer Affairs with Equifax XXXX XXXX XXXX on XXXX XXXX at XXXX am. I also spoke with XXXX ( XXXX ), I also spoke XXXX as well and she provided her employee ID ( XXXX ). I have also spoken with XXXX ( XXXX, and unfortunately, none of the agents wanted to assist, even though I am assigned to this department. I provided account number of XXXX XXXX, ( that was deleted from my file in XXXX XXXX, and placed back on to the file in XXXX XXXX. I have spoken to Equifax Office of Consumer Affairs, until this date they have continued to violate my consumer protection rights as a consumer. They have issued my consumer report to a third part agency ( XXXX XXXX ) listing the items that are fraudulent on my credit report. All of the agents above have stated that they are not able to assist me, at this time over the phone, I have filed Mutiple complaints through the CFPB regarding the Equifax Office of Consumer Affairs, and nothing is done. Please help me to understand how an agency that is issuing consumer reports are able to not keep accurate information and continue to report fraudulent information to third parties regarding my consumer. Also, the calls are outsourced to foreign places outside of the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
On XX/XX/22, I called Amex customer service to request a potential upgrade for my Amex Hilton XXXX card. Upon communication, the customer service representative was able to confirm that I have this upgrade offer in my account, which is spending {$1000.00} in six months to get XXXX Hilton bonus points. So, I accepted the offer and upgraded to Amex Hilton aspire. 
The next day, I followed up with the customer service representative through Amex 's website chatting function. The representative said they needed to investigate my upgrade offer and see if I still qualify for it. A month later, when I followed up with Amex again as of XX/XX/22, they informed me that they had finalized the investigation. First of all, Amex has never reached out to me, neither by phone call, email, or letter, informing me that my case is finalized. Second, the customer service wrote to me ( see attached screenshot ) that " we know that you really wanted to get the upgrade offer and as we have validated thoroughly with the help of our investigation team and they found out - as they reviewed all of the accounts, there are no call request that can support the upgrade but they found out that the upgrade was placed online. '' The investigation is conducted based on inaccurate information then. I upgraded by calling Amex, not online.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 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: MN

Complaint narrative:
I have contacted all 3 credit Bureaus multiple times. I have. Sent them police report showing and trying to prove that there are accounts in my credit that should not be there. There is a personal loan with XXXX XXXX  that was fraudulent there is 3 credit cards one from XXXX one from XXXX  XXXX and one from XXXX  XXXX  XXXX  that should not be there. There is an auto loan with XXXX  XXXX  and another company that should not be there.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 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: MN

Complaint narrative:
I have contacted all 3 credit Bureaus multiple times. I have. Sent them police report showing and trying to prove that there are accounts in my credit that should not be there. There is a personal loan with XXXX XXXX that was fraudulent there is 3 credit cards one from XXXX one from XXXX XXXX and one from XXXX XXXX XXXX that should not be there. There is an auto loan with XXXX XXXX and another company that should not be there.

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 2022-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
Re : XXXX Reference complaint had to do with truest selling my information to a third party. I received another solicitation. This one has the Truist logo, being used by XXXX of XXXX, and the papers tell me they can deduct a monthly premium from my bank account, and it appears the third party XXXX of XXXX already has my bank account information. See attached photo.

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 2022-10-03 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: PA

Complaint narrative:
Experian is reporting a false account on my report. Which is a clear violation of my rights under the FCRA. As I have never done any buisness with XXXX XXXX XXXX XXXX whatsoever I have no verbal or written agreements with this entity and no Proof was ever garnished as 30 days have come and gone which is another clear violation under the FCRA I have a right to privacy and factual credit reporting as a tax paying consumer.

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 2022-10-03 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: OH

Complaint narrative:
My XXXX XXXX XXXX was totaled in an accident in XX/XX/XXXX. 
XXXX XXXX is the bank with which I had the loan from. 
XXXX XXXX XXXX XXXX XXXX XXXX off all of the pending dues to the bank and then there was a problem with 'XXXX XXXX XXXX, which was resoled by you folks, CFPB, after I wrote to you. 
Due to family tragedy, I Lost the document from your office stating I did not owe anything to XXXX XXXX. 
Trying to refinance a vehicle a few days ago, the dealer showed me a negative document from Transunion Credit report that shows XXXX XXXX still has falsely put the claim for $ {$14000.00} on me. 
This is a clear case of fraud and illegal business practice by XXXX XXXX. 

I am requesting your office to mail me ( and email also, just in case ) the document that you had sent me earlier which shows I do not owe any money to XXXX XXXX. 

Thanks and Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH 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 2022-10-03 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: OH

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX {$70.00}, XXXX XXXX XXXX  {$230.00}, XXXX XXXX XXXX {$1000.00}XXXX XXXX XXXX XXXX {$190.00}, XXXX XXXX XXXX {$120.00}, XXXX XXXX XXXX$2900.00}, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX CHARGE OFF, 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-10-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There are credit inquiries that I don't not recognize on my consumers report & I would like them to be removed immediately. These companies do not have my hand written consent to authorize any type of inquiry on my consumers report. 

I have called TRANSUNION about this matter and the representative gave no knowledge on the future steps.

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 2022-10-03 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
Mr. Cooper violated the Electronic Fund Transfer Act in misappropriation of my home payment of XX/XX/2022, and now they have violated state and federal law of having not refunded my escrow within 30 days of the loan payoff date

Company response to consumer: Closed with explanation