vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: KY

Complaint narrative:
- I opened a Citi Gold Checking account with Citibank online on XX/XX/2022. 
- I deposited {$55000.00} via Citi plaid integration via an ACH from my XXXX Savings account on XX/XX/2022. 
- I deposited {$25000.00} via the Citi plaid integration via an ACH from my XXXX Checking account on XX/XX/2022. 
- On XX/XX/2022 my access was cut from the online Citi Gold portal. 
- On XX/XX/2022 I received a letter dated XX/XX/2022 that " We periodically review customer accounts to assess the suitability of their banking relationship with Citibank. Pursuant to a recent review, it has been determined that we can no longer service your account ending - xxxx and your other Citibank accounts .... and will be closed within XXXX days from the date of this letter... If there are funds the belong to you at the time of closure, Citibank will issue you an official check for that balance to the address on file. '' - As of XX/XX/XXXX, XXXX there was a balance of {$64000.00} in the account. 

Attempts to contact Citibank : - XX/XX/XXXX I contacted to inquire about my lack of access. I was read a script that my account was closed and that I would be sent a letter. 
- XX/XX/XXXX I contacted to inquire about the closure process, I was passed around, and hung up on. 
- Approximately XXXX times between XX/XX/XXXX and XX/XX/XXXX I attempted to make contact. 
- I was able to finally make contact with the CitiGold advisor that I had been assigned, XXXX XXXX XXXX from the XXXX XXXX office. He informed me that yes my account had been closed and that a check would be cut and my funds would be returned to me within the next 30 days ( est. end XXXX ). 
- On XX/XX/XXXX ( 60 days following the date of the letter ) I had not recieved funds and contacted Citibank. I was able to speak with another CitiGold advisor in the XXXX XXXX office, XXXX, who was able to look into the matter. 
- On XX/XX/XXXX I spoke with XXXX again - he indicated he had been attempting to get information regarding the status of the funds and confirmed that Citibank did have {$64000.00} of my funds custodied but that there was no resolution for reimbursement noted on the account- he had stated he assumed that meant they would be refunded via the original funding mechanism. 
- On XX/XX/XXXX, I spoke with XXXX again and he said he did not have an update and that he was working to get an update.

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 2022-10-01 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: KEYSTONE EQUIPMENT FINANCE CORP.
State: GA

Complaint narrative:
On XX/XX/2022, I received an alert of a hard inquiry pull on my credit report from Keystone Equipment Finance Corp . I called the company number, and I spoke to their XXXX XXXX, XXXX XXXX, who notified me that my ex-husband reached out to them asking if he can apply for financing for a truck for his logistics business. Previously, when we were married, my ex-husband financed a truck through the company and used me as a guarantor. He has since paid that truck off. General counsel explained to me that since the company had his previous application on file, they could expedite the financing process. The company nor my my ex-husband asked for my consent to be a guarantor again and ran my credit without my permission. Our divorce has been finalized since XX/XX/2022, so there should have been no reason for my name to be on this new application. Additionally, XXXX XXXX also informed me that my ex-husband forged my signature on the new application. I am requesting an investigation into this matter and the removal of this hard inquiry from my credit report. XXXX told me that he removed me as a guarantor on the new application and made a note in the file. I have also asked him several times for a copy of the application with my forged signature, which I have yet to receive.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XX/XX/2022 i sent the Consumer reporting Agency TransUnion and certified Letter TRACKING # XXXX with green return receipt. 

Letting TransUnion know, in accordance with the FAIR CREDIT REPORTING ACT, 15 U.S.C 1681c Section 605 reporting periods only run 7 or 10 years depending on the type of information. in my case, the information in question is OUTDATED and EXPIRED and needs to be deleted from my consumer report. 

Account name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : 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 2022-10-01 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: OH

Complaint narrative:
XXXX XXXX XXXX states they never purchased my vehicle contract and has been reporting on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-01 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: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX states they never purchased my vehicle contract and has been reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01 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: OH

Complaint narrative:
XXXX XXXX XXXX states they never purchased my vehicle contract and has been reporting on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-01 00:00:00
Product: Payday loan, title loan, or personal loan — Pawn loan
Issue: Charged fees or interest you didn't expect — 
Company: FirstCash, Inc.
State: TN

Complaint narrative:
I am a consumer who seeks or acquires goods or services for personal, family, or household use. I traded in my items ( property ) in exchange for a purchase money loan pursuant to 16 CFR 433.1 ( d ) at the designated location of XXXX XXXX XXXX, XXXX, TN XXXX. Your employees are charging me a " finance charge every month which is illegal pursuant to 15 USC 1605 ( a ) ; 12 CFR 1026.4 ( a ). The " finance charge '' in connection with any consumer credit transaction shall be determined as the sum of all charges, so why are you charging a finance charge every month when the finance charge is the sum of all charges? I never agreed to waived my rights pursuant to 15 USC 1693l, and 16 CFR 433.2! I want you to waive all charges and allow me the consumer to only pay the finance charge to get my items back before litigation. You can keep all the previous cash payments I submitted in the past which is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  account # XXXXXXXX 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 has violated my rights. 

15 U.S.C 1681 section 602A states I have the right to privacy 15 U.S.C 1681 section 604A 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 2022-10-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
For the past year and a half every time I've tried to gain access to my Savings Account at Synchrony Bank I have been prompted to undergo the XXXX step verification to verify my identity. The problem has been that the phone number associated with my account is an old phone number I no longer have access to. As a result for the past year and a half I have been going back and fourth with Synchrony Bank customer service to update my phone number and regain access to my account but every time I would call I have been told that I need to wait a couple of weeks for my new cellphone number to appear under my SSN for them to authorize the change. The firsts of these calls took place in XXXX of XXXX and I would call every XXXX months to try yet again. Finally in XXXX of XXXX I was able to call again to update my cellphone number to update the text verification number that was preventing me from accessing my account on all of my devices. When the change was done, I was told that it would take 60 days for my new phone number to be set up with the XXXX step verification ( so I still would not be able to access my account across all of my devices until the XXXX day mark ). This weekend was the XXXX day mark since my final call in XXXX. However when I tried to sign into my account yet again I was prompted with a XXXX step verification associated yet again with my old phone number. It has now been closer to 2 years since I first reported support with this issue and we are still in the same place. At this point I'd like just to close my account as soon as possible and move on from Synchrony Bank. I understand the need for rigorous verification processes to protect the money of consumers, but that should not come in exchange for accessibility. Until XXXX of XXXX I had no way to access my account, and the requirements and wait time needed to undergo any change ( days, weeks, month on end ) is ridiculous.

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 2022-10-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: PA

Complaint narrative:
Re : {$28000.00} Shellpoint Mortgage Discrepancy & Other Matters Loan # XXXX XXXX XXXX To Whom It May Concern : I received a Shell Point payoff notice, dated XX/XX/XXXX with a total payoff amount of {$100000.00}. Please see Exhibit A. The notice lists a Principal balance of {$79000.00} and Deferred Principal of {$28000.00}. I dispute the deferred principal balance of {$28000.00}. 

On or about XX/XX/XXXX, I received my XXXX Form 1098 ( Mortgage Interest Statement ) for the tax year ended XX/XX/XXXX. Please see Exhibit B. In box 2, the Outstanding Mortgage Principal is listed as {$80000.00}. This amount appears wrong. How did the principal balance increase by {$830.00} from {$79000.00} to {$80000.00} from XX/XX/XXXX to XX/XX/XXXX. It's my understanding the principal balance should decrease each month after a payment. Nevertheless, this is the document that was reported to the IRS and there is no Deferred Principal listed. Also, after making at least 2 more payments during XXXX, Shellpoint has not explained to me how my principal balance increased instead of decreasing for payments made in XX/XX/XXXX and XX/XX/XXXX respectively. 

Enclosed is a copy of my Mortgage Statement from Shellpoint, dated XX/XX/XXXX. Please see Exhibit XXXX The mortgage statement lists an Outstanding Principal of {$79000.00} and Deferred Balance of {$28000.00} ( total - {$100000.00} ). I again dispute the deferred principal balance of {$28000.00}. 

I need help in obtaining my true and correct mortgage balance from Shellpoint! 

If there are any questions, please call me. 

Sincerely, XXXX XXXX XXXX XXXX : XXXX XXXX : XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells fargo lost a class action lawsuit in which they opened accounts without consent of their clients. They continued the practice without letting their clients know. When asked about the fee they would just send a new debit card, but the fees would keep happening. This has been happening to me for 121 months. 

On around XX/XX/XXXX I called wells fargo to report a fraudulent transaction on my checking account and told the person that I see at least 8 of these fees happening once a month on every month. He said he took a more detailed look at it, and he found only 3 and that I would be reimbursed, the transactions will be blocked in the future, and they would send me a new debit card. Good enough for me but it does not stop here. 

On XX/XX/XXXX I notice the same fees happening every month and call again call again, I also tell the representative that this is the same thing I called about 10 months earlier. The person looked into the previous and was surprised that there was a record of the call but no notes on what happened and that was weird. They then opened a claim on this and sent me a new debit card. I smelled something fishy, so I looked at the statements myself. I finally deciphered the numbers and called the correct company that was making the charges, XXXX. They, inadvertently, were forthcoming with more information. This account was opened in XX/XX/XXXX and could have only been made in-front of a teller. They reimbursed me 16 transactions without my consent. 

Wells Fargo had opened an account without my consent or knowledge and slowly it was charging me under my nose. I changed debit cards multiple times in the 10 years of them applying this fraudulent charge but that did not make it stop. Losing a class lawsuit on this also did not make them stop. The only way it stopped is when I learned about it myself and researched the numbers in my statement. 

The Wells Fargo person who I first talked to in XX/XX/XXXX was lying about the fee and did not open an inquiry to resolve the issue. In XX/XX/XXXX a claim was opened but it was shuffled multiple times ( attached picture, ) they kept closing the claim and opening a new one. 

They finally sent me a notice stating that I opened this account, and they could only reimburse me for 60 days. Complete lies. The employees are deliberately continuing fraudulent actions at Wells Fargo and gave this a run around without using proper channels. They should be found and fired.

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 2022-10-01 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have Dispute at the brake pedal reporting on my credit numerous times for this amount and it has been affecting my credit for over four years now and this account has been discharged and canceled through the student loon loan forgiveness program as well as was already in for it was not never defaulted on and it was in forbearance and it was done on an income driven repayment plan and come to find out that this was a predatory lender and I have been forgiven of the student has been canceled since XXXX  acre still reporting an on my credit report and it has been negatively affecting my life

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 2022-10-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services
State: CA

Complaint narrative:
I have tried to contact Edfinancial twice over the end of XXXX and Mid XXXX to inquire about my student loan refund and have consistently received conflicting information. I have made it clear to them that my loan payments are to be refunded so I can cancel them. 

The first rept told me it would take XXXX  days, which is totally unacceptable. Then the later one told me they are not sure. They also refused to provide a paper trail such as email to prove that my refund is in process or that I called them I need my loans refunded soon because I 100 % qualify for the XXXX Loan Cancellation Program.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01 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: EdFinancial Services
State: OH

Complaint narrative:
All EdFinancial items are errors without consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Booked an international flight using the Chase Sapphire Reserve credit card. Part of the suite of protections advertised by Chase is delayed baggage insurance, which they've outsourced to a third party insurance company. A claim was submitted on XX/XX/22 and the automated response was that I would receive a response within XXXX business days. No such response has been received. An online search of the insurance company " eclaimsline '' shows a poor track record.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Hi, I have made late payments before with the following companies below : - XXXX  XXXX ( Vehicle Loan ) - XXXX XXXX XXXX ( Personal Credit ) - XXXX XXXX ( Personal Credit ) - XXXX ( Personal Credit ) - XXXX ( Personal Credit ) I admit that I have missed and late payments with them before, but I already paid them all off. To this day, even when Im doing better with my credit cards, old information from them still hurts my credit score. 

With XXXX XXXX, the full Vehicle Loan was to be paid within 6 years. I have paid it full, 2-3 years early ( XX/XX/2022 ). 

With XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX, and XXXX, I have paid them all off, before closing them. 

I couldnt find nor provide my Statement Accounts information from them, because as I said, all my accounts with them were already closed. 

Please do help me resolve this problem. 

Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Hi, I have made late payments before with the following companies below : - XXXX XXXX ( Vehicle Loan ) - XXXX XXXX XXXX ( Personal Credit ) - XXXX XXXX ( Personal Credit ) - XXXX ( Personal Credit ) - XXXX ( Personal Credit ) I admit that I have missed and late payments with them before, but I already paid them all off. To this day, even when Im doing better with my credit cards, old information from them still hurts my credit score. 

With XXXX XXXX, the full Vehicle Loan was to be paid within 6 years. I have paid it full, XXXX years early ( XX/XX/2022 ). 

With XXXX  XXXX XXXX, XXXX XXXX, XXXX, and XXXX, I have paid them all off, before closing them. 

I couldnt find nor provide my Statement Accounts information from them, because as I said, all my accounts with them were already closed. 

Please do help me resolve this problem. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Hi, I have made late payments before with the following companies below : - XXXX  XXXX ( Vehicle Loan ) - XXXX XXXXXXXX XXXX ( Personal Credit ) - XXXX XXXX ( Personal Credit ) - XXXX ( Personal Credit ) - XXXX ( Personal Credit ) I admit that I have missed and late payments with them before, but I already paid them all off. To this day, even when Im doing better with my credit cards, old information from them still hurts my credit score. 

With XXXX XXXX, the full Vehicle Loan was to be paid within 6 years. I have paid it full, XXXX years early ( XX/XX/2022 ). 

With XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX  and XXXX, I have paid them all off, before closing them. 

I couldnt find nor provide my Statement Accounts information from them, because as I said, all my accounts with them were already closed. 

Please do help me resolve this problem. 

Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief