vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: EAST WEST BANK
State: TX

Complaint narrative:
On XX/XX/2024, my account was inexplicably closed amid a severe weather event, leaving me without access to incoming funds and jeopardizing my ability to purchase essentials. Despite multiple attempts to contact customer service, I was simply directed to visit a branch, which was not feasible due to the weather conditions and a three-day weekend. I also work during banking hours. There was no reason for the closure. It had never been negative, followed all guidelines, and in good standing. It still shows as active and open online and visible to banks as such. 

Upon reviewing my transactions, I found no overdrafts or irregularities, no negative balance at any point, and my account still displayed an available balance. Subsequent attempts to resolve the matter have been met with inadequate support and dismissive responses. Notably, my third attempt involved a complaint to the XXXX XXXX XXXX, resulting in no substantive response and the complaint remains unresolved. My account still appears open in online banking with an available balance that is available immediately for withdrawal and an active debit card. The balance has changed from {$80.00} to {$38.00} with no explanation of balance discrepancies. 

My most recent interaction with XXXX via the customer service chat promised a transfer of funds to my new account, which has yet to materialize after six days. Despite providing new bank account information for a transfer, it remains held by East West, still with no communication or documentation to justify taking and holding my money, exacerbating the situation. 

Additionally, due to my closed account still listed as open in online banking, it has blocked my ability to set up XXXX with my new bank due to my contact information still unfortunately tied to this bank. I attempted three times to request removal of XXXX information and XXXX customer service claims this has not been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

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 2024-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681 section 6o2 states I have a right to privacy. 15 USC 1681 section 6o4 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

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 2024-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Self Financial Inc.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681 section 6o2 states I have a right to privacy. 15 USC 1681 section 6o4 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-03 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FORD MOTOR CREDIT CO.
State: MI

Complaint narrative:
For the debt to be considered paid If that is not possible for the collections agency to mail me something with the correct amount owed and the correct date of the debt The date of the debt keeps changing The amount of the debt never goes down For them to stop taking my taxes then the amount continues to go up Or at least take a set amount why are they taking my whole tax return and not notifying me of this. 
I would Like them to stop and to mail me amounts and solutions to not take wages and taxes

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
In late XX/XX/XXXX I chose to close out my escrow account and have my mortgage company refund my XXXX and after a series of haggles they FINALLY closed out the account and sent me the check for XXXX on XX/XX/XXXX which I promptly deposited on the same day. You can only guess the horror on my face when my bank deducted the money on XX/XX/XXXX labeling it as a " Returned Deposit Item ''! My mortgage company had issued me a BOUNCED CHECK! So I immediately called my bank and they said the check was not honored and to talk to my mortgage company. So I talked to a chat rep who told me she could either resend a check to me OR do a wire transfer. I elected a wire transfer since it seemed to be a lot faster. Silly me ... XXXX... Now my mortgage company is in the process of " INVESTIGATION '' and is telling me they have 30 days to resolve the issue unless they use the 15 day extension! It's simply UNBELIEVABLE a mortgage company bouncing checks that I pay my mortgage to, that won't pay MY escrow money back...

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Dear Equifax I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 
3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
on XX/XX/XXXX my wallet including my credit card was stolen and fraudulent charges were made with it before I was able to freeze the card. These charges amounted to a total of {$490.00}. I submitted a report to Bank of America and disputed the fraudulent transactions on XX/XX/XXXX via the Bank of America app and via phone call. On XX/XX/XXXX Bank of America sent a letter to me titled " Update On Your Claim ''. By this point none of the charges were pending anymore. The letter stated the total amount of the claim to be {$440.00} and informed me that I would be temporarily credited {$44.00} while my claim got researched. Neither of these numbers match the actual {$490.00} of the fraudulent charges. On XX/XX/XXXX Bank of America sent me another letter tited " Update On Your Claim '' stating the claim to be {$490.00} and staiting " We're unable to approve your recent claim ''. This letter also stated the reason for denying my claim was that they " confirmed your card was used for the charge ( XXXX ). The chip was read, your PIN was entered, and/or you signed for the merchandise or service, which indicates you or someone you allowed to use your card was present ''. This statement shows that Bank of America did little to no research in coming to their conclusion. None of the fraudulent charges were cash withdrawl so none would have required a pin and I had informed them that the thief had my credit card and likely my entire wallet so the thief had acces to my card with my chip and my driver 's license so could have copied signature on my license to forge a signature. None of the reasons Bank of America gave for denying my claim are relevent to the claim. on XX/XX/XXXX Bank of America charged me for their earlier {$44.00} temporary reimbursment. Currently the {$490.00} are still on my credit card bill due XX/XX/XXXX. After recieving the claim denial from Bank of America I sent them a letter via certified informing them that I would not be paying the fradulent charges as I was still disputing those charges as well as requesting that they credit the disputed charges to my account and provide all the documents they used to make the decision to deny my claim. I was able to verify that the letter was recieved by Bank of America Billing inquiries on XX/XX/XXXX as it was certified mail. As my bill is not due until XX/XX/XXXX this means that Bank of America recieved my apeal within the time p [ eriod they had given me for payment.

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 2024-02-02 00:00:00
Product: Credit reporting 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: AZ

Complaint narrative:
I checked my consumer report and I found out that XXXX XXXX XXXX XXXX whose address is XXXX XXXX XXXX XXXX XXXX. XXXX, TX XXXX and phone number ( XXXX ) XXXX, is listed as a debt collector and is committing adverse action by reporting inaccurate, unauthorized information in my consumer report ; I never contract with them, and I did not provide written, not written, implied nor expressed consent, permission or instructions to them to make them assume that I wanted to contract with them in any way ; furthermore, I never provided my personal identifiable information to the above mentioned company to implied that I wanted to do any type of business with them, however, they are harming my name and reputation by reporting a collection on my consumer 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 2024-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: AZ

Complaint narrative:
Someone stole or copied my Chime debit card information, made a duplicate copy, and made unauthorized transactions. Chimes investigation team has denied my disputes because they says there was no error. My last transaction was at XXXX XXXX XXXXXXXX in XXXXXXXX XXXX. Less than 20 minutes later someone made unauthorized transactions at a gas station, XXXX XXXX XXXX XXXX XXXX XXXXXXXX in XXXX, XXXX. When I seen the notifications appear on my phone that someone was actively stealing money from account I immediately locked my card, change, the password, and called Chimes fraud department, which is being tracked on the mobile app also. It is a proven fact that Chime members can not have more than one active debit card at once so therefore, I can not make a debit transaction in XXXX XXXX  and then drive to XXXX, XXXX in under 20 minutes and make another debit transaction because that would mean Im in two states at once. After I contacted Chime and reported fraudulent activity I contacted the merchants manager and they directed me to customer support. I have clearly been the victim of fraud, provided documents of receipts from the merchant that a card was swiped using my debit numbers, the merchants manager number, and followed the precautions after a customers card or banking info has been stolen and was still being denied. I filed over 5 claims and was denied each time and sometimes I was denied in minutes like an investigation hasnt even happened. Supervisors from Chime claim that their investigation team denied my claims because I didnt change my pin after I became aware of the unauthorized transactions which isnt accurate because I changed my password, locked my account, and reported fraudulent activity so all future unauthorized transactions were prevented. And not to mention my account was put in a negative balance afterwards so there was no need to change my pin when all of my funds were stolen already. Ive complained and expressed my frustration to at-least 7 supervisors and theyre all agreeing with me that I have evidently been a victim of fraud and they would try to investigate to see what is going on, and to try and see if I can get provisional credit but nothing. I get denied again. Below are the transactions, dates, and times : Date : XXXX XXXX  My last transaction : XXXX XXXX XXXX XXXX XXXX  ( {$22.00} ) XXXX Date : Monday, XX/XX/2024 Unauthorized transactions : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Amount : {$99.00} Time : XXXX Amount : {$45.00} Time : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
Someone is opening credit cards, requesting loan approvals and using different addresses, work locations that are not mine nor did I work in those places. There are companies like XXXX, XXXX XXXX, XXXX Credit Card, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX of XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX and collectors agency XXXX XXXX XXXX that have been using my old name that has not been used by me since I got married over 18 years ago. The individual or individuals that are using my information to try to open different accounts seem to be from California since those are addresses that I see under my credit report. They are using places that I've never heard of for work, such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX and different addresses as well. These are just to name a few of the companies and things being done as a pretense to be me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Credit reporting 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: CO

Complaint narrative:
I am writing to request an investigation into potential fraudulent activity on my credit report. After reviewing my credit report, I noticed inquiries that I do not recognize and believe to be fraudulent.

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 2024-02-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: WA

Complaint narrative:
I file fraud last year with XXXX on their website as I was advised by the collection agency southwest collection systems , I then received a call from a rep in the fraud department with XXXX who knowledge they received the dispute and they would be in contact soon, I never got another call. I then received an email on XX/XX/XXXX from a, XXXX. XXXX, in the Fraud Operations/Fraud Management department who again said they received my dispute and will be in contact via email or mail with the resolution, I never heard back, I followed up on XX/XX/XXXX, no reply, I followed up again on XX/XX/XXXX, she replied and stated she needed the account number to identify my account which we have been in contact on the same email, I replied advising I don't have an account number this is fraud, when I call XXXX  directly they claim they can't find me and refused to transfer me to the fraud department. I advised her that she should have my account number since we have been in contact.After that I have reached out on, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX with no replied This bill was opened XX/XX/XXXX and charge off on XX/XX/XXXX Collection : Southwest Credit system received the bill as of XX/XX/XXXX They also have an email address that has never been mine along with an address

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: DE

Complaint narrative:
On XX/XX/XXXX, I changed my XXXX  number to XXXXXXXX XXXX. XXXX has the information on file. Today, XXXX, I had someone send me money through XXXX using the same mobile number. It was deposited in Citizen Bank the account I changed. They stated to me that it was deposited XXXX and number deactivated ( changed ) at XXXX. I waited on the phone for hour for a representative that put me on hold to come back and tell me this information. She claimed it was not an hour it was 57 minutes. And since my account was already overdrawn ( with fees ) that there was nothing they could do. And on their end it says this. I advised her that it was changed and for them to send me the documents she said she could not. I also said I needed the exculation department they said there was none. She also if you want to speak with a supervisor it is another 45 minute wait. Citizen has charged me fees after fees and I have no money to buy food or pay for anything. So I had someone send to a new account that I opened 2 weeks ago. Now Citizen has claimed that money as well. They are doing some type of fraudulent activities and do not care about their customers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: PNC Bank N.A.
State: MD

Complaint narrative:
I am writing to file a formal complaint against PNC Bank regarding a concerning issue related to the protection of my funds and their refusal to refund {$480.00}. I believe this matter requires a thorough investigation to ensure consumer rights are upheld. 

Despite the expectation that PNC Bank would safeguard my money, there has been a notable lapse in their duty to provide adequate protection. I have experienced financial loss amounting to {$480.00}, and despite asserting their moral obligation to protect my funds, the bank has failed to take appropriate action. 

Moreover, the bank 's refusal to refund the aforementioned amount raises serious concerns about their commitment to resolving customer disputes in good faith. I am left without the resolution that one would reasonably expect from a financial institution, and this lack of cooperation has only added to my frustration and financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I recently checked my credit report and noticed that there are unauthorized inquries that I do not recognize reporting.

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 2024-02-02 00:00:00
Product: Credit reporting 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: IL

Complaint narrative:
I recently checked my credit report and noticed that there are unauthorized inquries that I do not recognize reporting.

Company response to consumer: Closed with explanation