vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
XX/XX/XXXX signed into Citi account and found 8 fraudulent transactions. Called Citi Fraud, spoke with XXXX. She disabled that card and promised to overnight new cards, as we needed for upcoming purchase. 
XX/XX/XXXX new cards arrive. Login to Citi to activate, to find fraud alert. Talk to XXXX at Citi, who tells me that new cards had to be cancelled also, as 2 fraudulent transactions were posted on XX/XX/XXXX. Told her I thought those were part of the 8 original fraudulent transactions that likely were mistakenly transferred to new card, but to be safe, XXXX cancels card, and promises to XXXX  a second set of replacement cards. 
XX/XX/XXXX new cards haven't arrived. Call Citi, speaking to XXXX, then XXXX, then XXXX, all of whom seem to be confused and can't figure out if the first replacement card was ever cancelled, but they do seem clear that the ( second ) replacement cards promised by XXXX were NOT actually sent. I ask to be forwarded to someone in the XXXX, as the communications seem very scrambled. Speak to XXXX at Citi-XXXX  XXXX who says it looks like the first replacement cards are good. She puts us on hold to speak with her Security center to be absolutely sure ( would be embarrassing to us if she's wrong ), then comes back and tells us we are good to go. 
XX/XX/XXXX Login to Citi, and find that yet another card number has apparently been issued. Call and speak with XXXX. She says Citi records show that, after we spoke with XXXX on XX/XX/XXXX, my husband spoke with someone else at Citi and asked that the second replacement card be cancelled and replaced. This is ABSOLUTELY NOT TRUE ... this call never took place! Not sure who they talked to, but it wasn't my husband or me. XXXX tells us that another set of replacement cards were mailed on XX/XX/XXXX. 

This customer service group is so scrambled. They can not keep their facts straight, they give conflicting information, and cancelled the replacement cards and mailed new ones without giving us any notice, and after assuring us repeatedly that the first replacement card was good. And their records indicate they cancelled the first replacement card at my husband 's request, which is not true. Citi 's websites make it impossible to complain to anyone directly. All phone numbers lead to long wait times only to speak with people who try to help, but are relying on scrambled and inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Confusing or missing disclosures — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I had a credit card with Wells Fargo was trying to make arrangements to pay the card went into my checking account and remove {$4700.00} on their own without disclosing anything to me and then sued me for the other XXXX with interest through a debt collection XXXX and 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 2023-08-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CLGF Holdco 1, LLC
State: AR

Complaint narrative:
I opened this card in or around XX/XX/XXXX. I paid the balance off in full in XX/XX/XXXX. In XXXX I received a statement with {$17.00} interest charges. I called and spoke to a customer service rep and was told it was residual interest and the fee would be waived. I moved in XXXX and never heard anything since until last Friday when I got a notification my credit score dropped over XXXX points. Which is a huge impact to my financial situation as I am applying for a business loan. 

I never received any statements other then the one in XXXX. It appears that the fee did not get waived which caused late fees and more interest charges and then reported to the credit bureau for all these months. 

I placed a phone call immediately last Friday and spoke with XXXX a manager that promised me a call back before her shift ended at XXXX XXXX  that day. She advised this needed to be escalated to a unit manager. 

I never heard anything back. On Monday I called and spoke with XXXX and was told it was under review and her supervisor would give me a call back. Still havent received any call. 

Im hoping this issue can be resolved. As a {$17.00} fee could of been paid and resolved but instead I was mislead, or the representative didnt do her job.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-23 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:
I am writing to formally register a complaint against TransUnion due to potential infringements of the Fair Credit Reporting Act ( FCRA ) principles of accuracy and transparency. 

Background : On XX/XX/2022, I submitted an application for a {$10000.00} consolidation loan through XXXX XXXX XXXX Bank ). Despite a XXXX score of XXXX as reported by TransUnion, my application was denied due to an unfamiliar " Personal Loan Repayment Score '' ( PRLS ) recorded at XXXX. 

Key Concerns : Lack of Transparency and Dispute Mechanism : TransUnion did not make the PRLS available on my credit report, nor did they inform me of its existence until my loan denial. Compounding this issue, TransUnion 's website here ( https : //www.transunion.com/blog/credit-advice/how-to-dispute-your-credit-report ) explicitly states that credit scores can not be disputed, which denies me the right to challenge this score. 

Inaccessibility of Information : I found no available details regarding the XXXX 's calculation, methodology, or relevance, leaving me without understanding or recourse. 

Significant Discrepancy : The stark difference between my FICO score and the PRLS raises concerns about the accuracy and appropriateness of such scores and their impact on my financial standing.

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 2023-08-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
1. I can give you dates and number from which they called ; stated I owed money XX/XX/2023 XXXX caller id PFS LLC ( Phoenix Financial Services ) XX/XX/2023 XXXX caller id PFS LLC XX/XX/2023 XXXX caller id PFS LLC also called my son to convince me to pay debt XX/XX/XXXX XXXX ( twice ) caller id PFS 2. They have refused to send copy of debt, any documentation supporting debt.

3. on XX/XX/2023 they said the XXXX was down the street from my house and if I didn't pay now, I would be served and possibly arrested.

4. denied to give any information concerning the debt on phone calls 5. on XX/XX/2023 they called my son ( XXXX XXXXXXXX ) to convince me to pay the debt before they sent me to jail. 
6. all phone calls were threatening, demanding immediate payment or be arrested/sued.

7. I have checked all credit bureaus and I have no active bad debt listed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-23 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: HW Holding, Inc
State: SC

Complaint narrative:
Pursuant to 18 USC 8, i owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b company has also NO permission to report ANYTHING using my info pursuant to 15USC 1681 4

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Blackhawk Network Holdings Inc.
State: NC

Complaint narrative:
In XXXX I received a XXXX $ virtual card from XXXX because my identity was stolen. It was given to me through a website called My XXXX XXXX. I used the code and retrieved a card. 

This month they sent me an email reminding me about the card and explaining how to get the actual card number by clicking a link. I had difficulty even accessing it and there was only a po box for the site, no support number. The only support listed was for the specific credit card. So I called the XXXX phone number listed on the site, and went through the automated XXXX which often ended with a " goodbye '' when I couldn't find the right option. 

I was finally able to reach a live person who helped me get access. 

Imagine my surprise to discover there was less than XXXX $ on my card because XXXX / myPrepaidCenter had been charging me a " Dormancy Fee '' of {$5.00} EVERY MONTH- on a XXXX $ card. I still couldn't access the card. I was unable to load it into my wallet, so the fees would continue. What happens when the card is empty? Would they send me a bill every month? 

I called again, another round of XXXX and wait times. When I asked if they would continue to bill me every month even after the card was empty and even though I couldn't access, she couldn't answer. When I complained, the support person said they didn't work for XXXX or for the website. She was unaware of any XXXX fee. 

It took several phonecalls before I could find someone who would help me. I complained until my persistence paid off. I was finally told that this was a mistake - since I only retrieved the card number today, I should not have been charged. 
Even if I had retrieved the number 6 months ago, that fee is absurd!! They promised they would give me my money back and would mail me a plastic card ( at no fee. ) We shall see. 

So first I suffered identity theft through XXXX, and then I was robbed by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 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: TX

Complaint narrative:
The data furnisher failed to provide correct and accurate contact information on the consumer credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-23 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: LA

Complaint narrative:
I want these items fixed on my credit report XXXXXXXX XXXX  and 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 2023-08-23 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: LA

Complaint narrative:
I want these items fixed on my credit report XXXXXXXX XXXX  and 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 2023-08-23 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-23 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: NC

Complaint narrative:
I lost my purse awhile ago and I am in the process of buying a home and I got a copy of my credit report and notice items that was open is due to identity theft! XXXX XXXX and XXXX XXXX was open due to identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-23 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: NC

Complaint narrative:
I lost my purse awhile ago and I am in the process of buying a home and I got a copy of my credit report and notice items that was open is due to identity theft! XXXX XXXX and XXXX XXXX was open due to identity theft.

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 2023-08-23 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXX XXXX Date of Birth : XX/XX/XXXX SS # : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The inquiry was not authorized XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX SER Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The following account is not mine XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. The following account is not mine XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

6. The following account is not mine XXXX Account XXXX : XXXX Please remove it from my credit report. 

However, they stated everything was complete and accurate. How is that possible if the open date, date of the last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that arent reporting correctly.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other item of information, other than records of convictions of crimes, antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also, they arent even in compliance with metro 2 credit reporting. I have evidence to prove my case

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 2023-08-23 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXX XXXX Date of Birth : XX/XX/XXXX SS # : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The following account is not mine XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. The following account is not mine XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

6. The following account is not mine XXXX Account XXXX : XXXX Please remove it from my credit report. 

However, they stated everything was complete and accurate. How is that possible if the open date, date of the last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that arent reporting correctly.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other item of information, other than records of convictions of crimes, antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also, they arent even in compliance with metro 2 credit reporting. I have evidence to prove my case

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-23 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: LEXISNEXIS
State: TN

Complaint narrative:
On XX/XX/2023 I mailed a letter certified to the United States Bankruptcy Court XXXX XXXX XXXX Mississippi asking about reporting information to the reporting agencies and the letters that I received stated they do not report. With that being said how did these credit agencies verify this info as 100 %? Clearly they never did an actual investigation according to the USC 1681.

According to USC 1681 Section 603 ( 3 ) E states that the term " investigative consumer report '' means a consumer report or a portion thereof in which information on a consumer 's character, general reputation, personal characteristics and mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others he is acquainted or may not have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor or from the consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They violated my rights several time.

They violated my rights under 15 USC 1681.

According to 15 USC 1681 sec 602A I have the right to privacy.

According to 15 USC 1681 Sec 604A Sec 2 : It states that a consumer reporting agency can not furnish an account without my written instructions.

According to 15 USC 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or have reason to believe the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: OH

Complaint narrative:
On XX/XX/XXXX, Chime Financial , Inc placed a suspension on my account. They stated the reason for the suspension was to verify the source of funds. The deposit was from my XXXX Income tax. All documents that Chime Financial , Inc requested were provided on multiple occasions. After a couple of weeks of calling and sending the same documents every day, Chime Financial , Inc closed my account stating they could not verify, and no refund can be given. I am placing this complaint because I sent everything that was requested for verification with no resolution, resulting in me being months behind on my bills because I have lost the rights to my own money. 



Date Suspension was placed : XX/XX/XXXX. 

Amount of loss due to closure : ( Approximately ) {$11000.00}

Company response to consumer: Closed with explanation