vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-18 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: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
On XX/XX/XXXX agreed to PURCHASE, XXXX ACRES OF " TOTALLY, UNRESTRICTED LAND " from a company who is now a FRAUDELENT internet land sales company. Currently still on property, live in a XXXX XXXX tent The sales price is XXXX, a XXXX for paperwork. They only wanted a XXXX down making it, XXXX to even look at any contract I paid down, XXXX, XXXX + XXXX + XXXX. Debit card limit is XXXX daily. 

They sent contract electronically even though I told them, eyes bad can't read off phone I signed this doc, winter was here and had to hurry setting up camp site for snow coming I realized after signing and giving this company, XXXX, that there was something terribly wrong when I went to XXXX XXXX, XXXX and was immediately denied any account because the doc I had on phone did not give me ANY OWNERSHIP rights and in fact this XXXX XXXX person himself, is not the owner a bank was. 
XXXX XXXX is the person, " LOT OF FREEDOM " the land company. 
By the 3rd week of XXXX, XXXX another crashing blow, no permit capacity, no water or power! 
Contacted XXXX, told him I wanted money refunded including every penny I spent for clearing, camping equipment, fuel and more. 
His remark, ,your an angry man suffering BUYERS REMORSE!. 

FAST FORWARD. 

GOT ATTORNEY WITH THE ADVICE GIVEN BY XXXX XXXX, ASSESSOR, THEY DROPPED ME, THE WEST TN LEGAL AID, XXXX XXXX, ATTORNEY BECAUSE THIS ANTHONY GUY LIED TO HIM AND YET, TO THIS DAY CANT GET HIM ON PHONE TO EXPLAIN WHY MY CASE WAS DROPPED. 

WENT TO A TRUIST BANK AND FILED MY CLAIM FOR REDUND DUE TO FRAUD ON MY XXXX, NOT THE NEW XXXX SENT TO ME DUE TO, XXXXSUNTRUST , NOW, TRUIST, XXXX. 
I WANT MY XXXX OWED ME THROUGH LOT OF FREEDOMS FRAUD SELLING USING MY DEBIT CARD, NOW. 

Note, I had the bank manager read my reply to that info you requested, I did not take pic of completed doc sent where I wrote a note showed the ASSESSOR 'S REPORT WHERE land use # XXXX very clear and WORST OF ALL, NEVER COULD GET THEIR SECURITY TEAM TO CALL ME, TOTTALLY WRONG, I HAD ALL KINDS OF PROOF. ALSO, THE MERGER WAS TEERIBLE AND PROBABLY HAMPERED THEIR INVESTIGATIONS

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 2022-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I applied for a car then changed my mind I never give them permission to running my credit they keep tell me its factual but its not my next step is to contact my lawyer and file suit them inquiries need to be removed immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 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: Byrider Franchising, LLC
State: OH

Complaint narrative:
Placed credit inquiries on credit reports Didnt apply for credit with this company

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am glad to see some improvements to my report, including the removal of several accounts I had previously disputed. Yet, there are still some accounts on my report that are false and were resulted from identity theft. I am asking for your assistance in getting rid of the last few items on my report. Any account reported on an identity theft report must be removed or blocked by the credit bureaus in accordance with FCRA section 605b. In order to help stop false information from being submitted on my report, I have included a few papers. 
XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Owed XXXX {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX Balance Owed : {$0.00}

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 2022-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
The Following My report provides inaccurate personal information. The following credit report inquiries are also unauthorized : I have no contract obligations with these companies, have never required anything from them, and have never authorized these inquiries in any way. That indicates that the bureau has not complied with the Fair Credit Reporting Act law and has continued to report incorrect information on my credit report. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX  XXXX, NJ XXXX EMPLOYER : XXXX XXXX XXXX Date Updated : XX/XX/XXXX INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: CA

Complaint narrative:
Im a member with Chime bank and have been a victim of fraudulent activity. On Friday XX/XX/2022 there were 2 ATM withdrawals from my account for {$400.00} and {$120.00}, I called the bank immediately and told me they werent able to do anything at the moment due to the transactions still pending which made no sense because the funds were stolen from my account! I asked how could this happen and one representative even said scammers are duplicating cards ( an issue they seem to be aware of ) I asked what have they been doing to prevent these situations and no one was able to give me a clear understanding of how they process this all I was told was to open my dispute for them to investigate after the transactions have settled. Comes Sunday XX/XX/2022 and I open a dispute as soon as the transactions settled, a few hours later I receive an email saying my case was closed because they saw no error and came to the conclusion that the transactions were authorized, so I give them a call to state I did not agree and that something needed to be done because I was at work when these transactions were made, I did not authorize them, and I had possession of my card the whole time so how was this possible? I told them I had proof of being at work in the clock while this happened and I even sent an email of my time card. According to the representative this case is being re-investigated but honestly I dont trust or believe that. The whole company should be under investigation there is no reason why my money was easily stolen from an account I believed would be safe and secure. This is really devastating and very frustrating I hope no one else goes through this and if you bank with Chime its best you just close your account. Clearly they arent a competent bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 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: NJ

Complaint narrative:
I am glad to see some improvements to my report, including the removal of several accounts I had previously disputed. Yet, there are still some accounts on my report that are false and were resulted from identity theft. I am asking for your assistance in getting rid of the last few items on my report. Any account reported on an identity theft report must be removed or blocked by the credit bureaus in accordance with FCRA section 605b. In order to help stop false information from being submitted on my report, I have included a few papers. 
XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}

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 2022-07-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I could write a book about the nightmare that has been this mortgage process, but I will try to keep it short and stick to that main issues. We started this process on, or about XX/XX/2022, with a target closing date of XX/XX/2022. From the start, there was a serious lack of communication from and with the lender. She/they would just ignore our texts, emails, phone calls, and questions. I found out that I needed to be out of my residence at the time by XX/XX/XXXX, so my agent attempted to move the closing to XX/XX/XXXX and, despite the urgency of that request, once again, we were simply ignored. The became their way of doing thingsunless they initiated the conversation, we were just ignored. There were numerous times that we thought we were about ready to close, then the lack of any communication would happen again, as well as the well, we need this one more thing. I was told SEVERAL times that this is the last thing that we need and we will be ready, only to get the call, or text the next day, saying, well, the underwriter/processor want this one more thing. That has gone on for weeks, now, and again, they always wait until the XXXX hour at the end of the week, when it is too late to do anything about their requests. SO, finally on Monday, XX/XX/2022, I was told we were ready to close and received the Revised Closing Disclosures. I had asked, repeatedly, what the cash to close was going to be, as it had changed several times during this process. The disclosures I received showed that amount to be {$5100.00} and change. Well, 3 days later, when we went to the closing table on Thursday, XX/XX/2022, the cash to close had increased to almost $ XXXXwithout ANY notice from the lender! We were ALL floored, except the lender, who wasnt even there. Needless to say, we didnt close and all left just blown away by the turn of events. AND, to top it all off, I logged onto my Truist account on Sunday, for other reasons, to find that I have a mortgage with Truist!!! A mortgage that I never signed for, or have property for!!! How does that happen?! So, can you see why I am extremely frustrated and done with the whole process, 2 months later???

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 2022-07-18 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: CO

Complaint narrative:
I have been a victim of ID theft. Equifax is aware and does nothing. I have contacted them thru the Consumer Affairs division and with reps and supervisors. 
I filed fraud with Equifax and submitted ALL the requested documents for fraud. 
Equifax is violating my rights as well as others with their failed verification of debts and fraud accounts. I file FTC reports and fraud for fraud inquires. They refused to remove them stating they are " statements of facts ''. Thats incorrect when they are fraud and the vendor has no permissible purpose of legit purpose for pulling and for credit in which I didn't not lawfully apply for. 

Equifax failed to provide documents as requested asking how an account was verified, who verified it, and what methods were used. Nothing was provided and thats against FCRA Law. The fraud accounts in question go against Metro 2 guidelines.

The fraud alert listed on my file IS WRONG and they refuse to allow me to update. They advise me they can't verify my identity. Not sure how they can't being they have ID on file, SS Card, and FTC reports sent to them. They make it impossible to deal with and remove fraud info. Litigation is being sought against them and will seek damages as allowed per law. They have been sued previously for the exact same thing and they LOST. 

A fraud account that is list is Duvera Billing ACCT 57 and they show the same account and balance as a charge off 2 times. The creditor who reports this NEVER provided debt validation or verification to me in writing as requested. Equifax leaves a fraud account and says its verified. The creditor has no signature, no copy of ID, no payments made to the account. The payments made that the creditor verified to me were ACCOUNT UNABLE TO LOCATE/NOTHING FOUND. The creditor said they verified it is fraud and requested it to be removed, yet Equifax failed to do so. Equifax has no reps who understand FCRA laws and guidelines. They leave information to ensure they can collect monies from the reporting companies. XXXX XXXX and XXXX deemed accounts as fraud and blocked the information immediately as should EQUIFAX.. 

XXXX XXXX is also listed and the account is past the statue of limitations on reporting. It is fraud and was removed and blocked again by XXXX and XXXX XXXX ACCOUNT # XXXX ... I have a open and current account with them and they stated they asked for this to be removed, however EQUIFAX refused to do so. 

They need to remove the inquires from my report, as I have not applied for credit and they were notified of those that were fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: MD

Complaint narrative:
I made an international transfer, but the bank name I used was wrong. As such, the recipient never received the fund. I called Western Union for reimbursement they said they will put the fund back to my XXXX  XXXX XXXX debit card account with no avail. I tried to call my Bank to see if they can help me resolve the situation that did not work. This is the reason I seek your help on this matter. It's been three months since I made that transfer for {$330.00}. That is the exact approximated times I kept fighting to get this resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 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: Aargon Agency, Inc.
State: MD

Complaint narrative:
Wrote letters asking to remove several accounts. As of the XXXX and one account in XXXX. I was a XXXX XXXX. As of today I am trying to get my life on track. I also was so informed by the IRS someone in the state of California received benefits in my name... I have never lived in state nor ever went to the state. I have my results on my health and police report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I recently changed my checking account to pay for the regular monthly payment to American Express. However, an assailant or a criminal overdrafted a {$130.00} payment from my XXXX account to American Express. They caused me to overdraft the XXXX checking account. I think that someone at American Express, illegally, went online and accepted a payment of almost {$300.00} to ruin my checking account. Basically, they went online at American Express and authorized a large payment so that they would continue to ruin my account at XXXX and American Express. I was supposed to be in a payment plan at American Express and my normal payments would not go over {$40.00} per month.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Alpine Credit, Inc
State: CO

Complaint narrative:
XXXX XXXX XXXX tried to double bill us for a bill of {$19.00}. We made numerous phone calls each time giving them the transaction ID number. They pretend to see that the bill is already paid, but still send bills after these calls. 

We sent a hard copy of the payment transaction from our XXXX showing that they received the payment. Now they have sent us to collections for that bill plus interest.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: TX

Complaint narrative:
I used a promotion for US Bank and opened a business checking account using promotion code. As per the promotion - I was suppose to get {$300.00}. I fulfilled all the terms and conditions. But no {$300.00} cash back was provided even after the terms and conditions fulfilled. I called US Bank today and after being on the phone for XXXX minutes ... I was told some research/investigation needs to be done and then may be cash back bonus will be provided.

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 2022-07-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
This is my second complaint about the same problem. 

Fifth Third services my mortgages. Despite this issue having been " resolved '' by the previous CFPB complaint, it continues. 

A letter, dated XX/XX/XXXX, arrived in early XXXX claiming they " reached out '' to my insurance company but were unable to verify my insurance. 

On XX/XX/XXXX, I attempted to use their web-based form to provide this insurance, but got XXXX XXXX. On XX/XX/XXXX I was successful in submitting the information. 

Today, XX/XX/XXXX, I got two letters, one dated XX/XX/XXXX, saying they are going to force-place insurance, and a second letter, XX/XX/XXXX, with nonsensical claims about changing the mortgagee clause, even though the mortgagee clause is already as they requested. 

All of these letters make threats about force-placed insurance, and I believe Fifth Third intentionally and negligently maintains these dysfunctional systems intended to force me into an expensive and unnecessary insurance product.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 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: GFS II, LLC
State: OH

Complaint narrative:
Pulled credit application placed credit inquiries on credit reports I didnt apply for credit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
The following company have been reaching out several times by phone and email for the last XXXX years, I have been trying to remove the PMI in a home that I have more than XXXX  years already, they continue refusing to process this removal with the excuse of that I am late in my payments which is false, all payments are on times, and the only late payment were during covid 19 and they offer us to no made payments for XXXX year without penalties and credit remarks, all escrow payments was made and pay on time, this company have been refusing under any legal facts why they still refusing these legal right of consumer under mortgage policy and statutes, their answer is without credible grounds. I required intervention with this company, I pay taxes, I pay mortgage on time, I pay escrow, Insurance and still have no legal grounds for such refusal.

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 2022-07-18 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: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
Ran credit placed credit inquiries on credit reports I didnt apply for credit with company

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 2022-07-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: General Motors Financial Company, Inc.
State: PR

Complaint narrative:
THIS ACCOUNT ARE FRAUDULENT OPEN BY SOMEONE WHO STOLEN MY IDENTITY, FRAUD ACCOUNTS THE ACTION THAT WERE TAKING FTC.GOV REPORT AND A POLICE 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
My report 's list of information was inaccurate. I sent it to each credit bureau, asking them to investigate it and review my files. However, that information continues to be reported and has a negative effect on my credit. As a result, the credit bureau did nothing to get rid of the incorrect information listed below. 
PREVIOUS ADDRESS : XXXX XXXX XXXXXXXX XXXX  XXXX, WA XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX EMPLOYER : XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX Date Updated : XX/XX/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