vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/2022, I get a text that Citibank have transferred {$3000.00}. I did not have such amount of money. So I went to Citibank to ask what this text was, thinking it was not real. They then show me that my entire savings account got transferred to my checking account. Then they showed me that I had taken a {$14000.00} personal loan and then a {$3000.00} check plus loan. A total of {$23000.00} was wired out into an account in XXXX XXXX XXXX. I did not have any knowledge of this. And did not consent to any of the wire transfer. 

Citibank then opened an investigation but denied me twice that it is a fraudulent activity. They did not return the money. Citibank said that they are leaving messages with XXXX XXXX XXXX, where the wire transfer received the amount of money, to return the money. No response from XXXX XXXX XXXX. On XX/XX/2022, Citibank Loan Department said that it was under investigation for fraud activity and that we are not responsibility to paying for the loans ( total of {$17000.00} on loans ). Then on XX/XX/2022, Citibank did an autopayment on the loans. When we called, they said we can not dispute it and they can not change the autopayment and will be taking money from the account. 

Citibank has been telling us different things each time we call them and has not updated us on anything. We do not have any information about the loan or the wire transfer. No one can help us or have enough training to understand what to do. We only speak to the supervisors on the wire department and the loan department. Each time, they are surprised by the information, like it is their first time hearing about it. No one can help us follow up and each time, they contradict each other 's departments words.

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 2022-06-14 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: RockLoans Holdings LLC
State: GA

Complaint narrative:
On XX/XX/XXXX I received an email from Rocket Loans advising me that it was the last day to make my payment before my account would receive negative marks on my credit report. I rushed to log in and scheduled the payment which was not drafted until XX/XX/XXXX. Last week I received an alert from my credit monitoring service that my credit score dropped XXXX points due to the negative reporting from Rocket Loans. 

I've called and escalated this situation up to what they call their leadership team and have been unable to receive any kind of solution. They claim the email is automated, but that is very misleading to write an email that states if I don't make the payment on that date then I will receive negative credit reporting. I've spoken to over 3 people and they all refuse to assist me with this matter, it is not fair to me that I receive these negative markings due to their lack of communication. 

I would like someone to research this matter, as this is against Fair Credit Reporting laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/2022, Our Account at Chase Bank in XXXX Texas, on XXXX XXXX received a wire transfer from the XXXX XXXX  XXXX XXXX XXXX for XXXX, which cleared on that day. It then went into a pending transaction status which it is currently in now. We still have not received our funds, my business partner ( XXXX XXXX XXXX and I ). 
would like to Launch an investigation into Chase Bank, and receive the funds owed to us. 
CHASE BANK PENDING TRANSACTION : XXXX XXXX XXXX TRANSPORT BANK NAME : XXXX XXXX  XXXX XXXX XXXX ACCOUNT TYPE : ESCROW ACCOUNT NUMBER : XXXX ROUTING NUMBER : XXXX TRANSACTION TYPE : INTERNATIONAL WIRE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
XXXX is reporting unauthorized hard inquires on my credit report that I do not recognize. 
CAPITAL ONE BANK USA XX/XX/XXXX CAPITAL ONE BANK USA XX/XX/XXXX CAPITAL ONE BANK USA XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-14 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I, XXXX XXXX, am a federally protected consumer and I am filing this complaint against XXXX XXXX XXXX. XXXX XXXX XXXX  is in direct violation in regards to the information that is being furnished on my consumer report. I would like to state that XXXX XXXX XXXX is in violation of 15 USC 1681b ( a ) ( 2 ), which clearly states that information furnished must be in accordance with the written instructions of the consumer. I, the consumer, never gave XXXX XXXX XXXX  any written consent to report anything on my consumer report. NO CONSENT = IDENTITY THEFT. The following inquiry is being fraudulently furnished. I did not authorize, benefit from, nor consent to this inquiry and I demand it be removed from my consumer report immediately : XX/XX/2021 ( XX/XX/2021 ). If this inquiry is not removed, I will hold XXXX XXXX XXXX criminally liable for willful noncompliance and aggravated identity theft pursuant 15 USC 1681a ( q ) ( 3 ) since fraud is being committed using my identifying information. This negative item on my consumer report is preventing me from having a fair and equitable consumer report according to 15 USC 1681b. If XXXX XXXX can not provide to me a copy of when I sent a written permissible purpose to validate this inquiry, I demand for it to be deleted in 4 days. Enclosed is the FTC Identity Theft Report which states the above mentioned inquiry that is being fraudulently furnished.

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 2022-06-14 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I, XXXX XXXX, am a federally protected consumer and I am filing this complaint against XXXX XXXXXXXX XXXX XXXX XXXX XXXX  is in direct violation in regards to the information that is being furnished on my consumer report. I would like to state that XXXX XXXX XXXX is in violation of 15 USC 1681b ( a ) ( 2 ), which clearly states that information furnished must be in accordance with the written instructions of the consumer. I, the consumer, never gave XXXX XXXX XXXX any written consent to report anything on my consumer report. NO CONSENT = IDENTITY THEFT. The following inquiry is being fraudulently furnished. I did not authorize, benefit from, nor consent to this inquiry and I demand it be removed from my consumer report immediately : XX/XX/2021 ( XX/XX/2021 ). If this inquiry is not removed, I will hold XXXX XXXX XXXX criminally liable for willful noncompliance and aggravated identity theft pursuant 15 USC 1681a ( q ) ( 3 ) since fraud is being committed using my identifying information. This negative item on my consumer report is preventing me from having a fair and equitable consumer report according to 15 USC 1681b. If XXXX XXXX can not provide to me a copy of when I sent a written permissible purpose to validate this inquiry, I demand for it to be deleted in 4 days. Enclosed is the FTC Identity Theft Report which states the above mentioned inquiry that is being fraudulently furnished.

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 2022-06-14 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: FL

Complaint narrative:
The Credit Reporting agencies stated that these accounts were properly investigated and verified but this is impossible since all of the agencies are reporting different information. The account numbers, high balance, date of last activity, date reported, date opened, close date, account description, dispute status, creditor type, payment status, creditor remarks, last payment, are different and therefore reporting inaccurately. This Constitutes grounds for removal of these accounts. 

According to 15 USC {$1600.00} ( 2 ) Exclusions ( a ) ( i ) a " consumer report '' does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report. So why are these agencies reporting categories such as late payments, high utilization, chargeoffs, and others when then law specifically states that such private transactions and or experiences between a consumer and CRA 's are to be excluded from a consumer 's report? Each forbidden category reported is a violation of my rights. 

Under 15 U.S.C. 1681 Section 602 A4, Congress states that as a consumer I have a right to privacy and that right has been violated. 

My rights as a consumer has been violated under 15 U.S.C 1681 section 604 A section 2, which states that a consumer reporting agency may not furnish an account without written instructions from the consumer. I have never given written instructions to the credit reporting agencies to furnish these inaccurate accounts and therefore they must be deleted.

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 2022-06-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC
State: NJ

Complaint narrative:
Security credit services have failed to follow the fair credit reporting act. It has reported a {$6000.00} bill to the credit reporting bureaus that isnt owed. Please have the creditor delete this from my report. The charges are frivolous. More importantly, the mere failure to follow the correct procedures require the item to be removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, Account # XXXX, XXXX XXXX XXXX XXXX, Account # XXXX, XXXX XXXX XXXX Account # XXXX, and XXXX, Account # 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 2022-06-14 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, Account # XXXX, XXXX XXXX XXXX XXXX, Account # XXXX, XXXX XXXX XXXX, Account # XXXX, and XXXX, Account # 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 response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 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:
Equifax is reporting unauthorized hard inquires on my credit report that I do not recognize. 
XXXX XXXX BANK XXXX XX/XX/XXXX XXXX XXXX BANK XXXX XX/XX/XXXX XXXX XXXX BANK XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Foris DAX, Inc.
State: MN

Complaint narrative:
I opened an account with the Crypto.com app last fall to invest small amounts into cryptocurrency. I only purchased cryptocurrencies with about half of the money I deposited into the account through a bank ACH transfer. As the U.S. dollars are sitting there unused, I decided to transfer them back and put them to better use. When I tried to transfer back, the only option was to provide my bank username and password to a third party that says it will make the transfer for Crypto.com. There should only be a need for the routing number and account number but they refuse to send my funds back unless I provide the third party with my bank username and password. As they refuse, I have now asked to close my account and return any proceeds to me by check through the mail. They refuse to do so and say the only way for me to get my money back is to provide the third party with my bank account log-in information. I have communicated clearly through their chat function and email as there is no phone number I can call. 
To be clear, this isn't a complaint about cryptocurrency investing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I, XXXX XXXX, am a federally protected consumer and I am filing this complaint against XXXX XXXX Bank XXXX. XXXX XXXX Bank XXXX is in direct violation in regards to the information that is being furnished on my consumer report. I would like to state that XXXX XXXX Bank XXXX is in violation of 15 USC 1681b ( a ) ( 2 ), which clearly states that information furnished must be in accordance with the written instructions of the consumer. I, the consumer, never gave XXXX XXXX Bank XXXX any written consent to report anything on my consumer report. NO CONSENT = IDENTITY THEFT. The following inquiry is being fraudulently furnished. I did not authorize, benefit from, nor consent to this inquiry and I demand it be removed from my consumer report immediately : XX/XX/2021 ( XX/XX/2021 ). If this inquiry is not removed, I will hold XXXX XXXX Bank XXXX criminally liable for willful noncompliance and aggravated identity theft pursuant 15 USC 1681a ( q ) ( 3 ) since fraud is being committed using my identifying information. This negative item on my consumer report is preventing me from having a fair and equitable consumer report according to 15 USC 1681b. If XXXX XXXX Bank XXXX can not provide to me a copy of when I sent a written permissible purpose to validate this inquiry, I demand for it to be deleted in 4 days. Enclosed is the FTC Identity Theft Report which states the above mentioned inquiry that is being fraudulently furnished.

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 2022-06-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: MS

Complaint narrative:
Freedom Mortgage has requested my insurance information a letter dated XXXX XXXX 2022. I contacted them and talked with XXXX. He provided me an email address and I forwarded my documents to him on XXXX XX/XX/2022. I then received another letter on XXXX XX/XX/2022, saying that the letter didn't cover from XXXX XXXX XXXX to XXXX XXXXXXXX XXXX and that if I couldn't provide coverage for those XXXX  days, I would be charged XXXX. I once again contacted them and sent information to them on XXXX XX/XX/2022, and I have provided an adjusted statement to them. I then received another letter dated XXXX XX/XX/2022 about not having coverage. This letter included an option to submit via online and I submitted once again on XXXX XX/XX/2022. 
I have provided insurance verification once again and awaiting approval, but how is it legal or ok for the mortgage company to purchase a policy valued at {$680000.00} and my mortgage is only worth {$120000.00}, and then want to charge {$7600.00} per year for said coverage. If this is not illegal, should I write my congressman and ask for a law to be passed concerning this issue. 
Then in the notices that are sent your only option is to call or fax. Who has a fax machine in there house anymore? Only on the XXXX letter did it provide an option to submit via online. 
All of this seems illegal.

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 2022-06-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: CA

Complaint narrative:
I received a Collection Bill from ERC ( is a debt collector ) in behalf of XXXX XXXX XXXX for the amount of {$1600.00}. ERC telephone number is ( XXXX ) XXXX. This letter came on XX/XX/2022. 

Immediatelly, I contacted XXXX XXXX XXXX fraud department and filled a fraud document through the internet where I had to write my Social security and other information about me. This was the only way to proceed for a fraud investigation. I don't like to give my personal information but this was the only way to continue. 
They answered and sent me a note that they will respond in 5 days. After 4 days, I received another note, telling me that they will send a document to be filled in the next 21 days. 

At the same time, I reported to XXXX to see if there is a stranger request in my report but they told me that everything is normal. Also, I blocked my account and file an alert. 
I also called my Bank and reported that there was an alert about this situation. 

Yesterday, my wife completed a report of fraud to the police department in the city of XXXX XXXX. 
Today, I have made a report to " XXXX XXXX XXXX XXXX XXXX' with an alert of fraud. 

Thank you very much XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I was charged for purchases I did not make. I did not get anything from the merchant.

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 2022-06-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: INTER & CO PAYMENTS, INC.

Complaint narrative:
I made a transfer on Thursday XX/XX/2022 and until today it has not arrived at the destination, the money left the account but did not arrive at the destination bank, I tried to contact the company through the channels at first without any response chat did not work I kept showing a person in the queue for hours and didn't answer whatsapp either, no email either, after XXXX days that only on the second I managed to contact the company, telling me that I had to wait another XXXX hours and that the bank would receiving should send me a statement proving that he did not receive it, this is unfeasible XXXX that should prove that I send it, they did not give me any proof even though they sent the money to the bank, the amount only left my XXXX account but did not arrive at the destination bank, a bureaucracy to generate a transfer receipt, I'm having a bad experience like this company, I registered because I have an account at XXXX XXXX XXXXXXXX ), I thought I would have a quality service but it's being a headache solve something simple.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-14 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report.

2.Validate Account XXXX Account Number : XXXX Please remove it from my credit report.

3. Validate Account XXXX Account Number : XXXX Please remove it from my credit report.

4 Validate Account XXXX XXXX Account Number : XXXX Please remove it from 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 2022-06-14 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:
Experian is publishing non-compliant account ( s ) on my credit profile and distributing them to 3rd parties. They are INTENTIONALLY DAMAGING my reputation, are infringing on my unalienable rights to privacy and damaging my credit worthiness. These companies reporting are not compliant with XXXX. Please see the attached notice of complaints sent to Experian.

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