vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-07 00:00:00
Product: Credit card or prepaid 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: CITIBANK, N.A.
State: NC

Complaint narrative:
I spotted a fraudulent charge XX/XX/XXXX on my Citi Credit card and notified Citi online the same day as the charge on my card. Citi acknowledged my dispute and credited my account for the amount. On XX/XX/XXXX Citi informed me that they considered the charge valid and was reversing the credit. Citi supplied the documentation they used to decide the charge was valid and in reviewing it Citi allowed a foreign bank to make a cash advance from the credit card which should not be allowed. 
What I believe happened A hacker with my card info opened an account with XXXX XXXX and using my card deposited {$400.00} into another account supposedly my nephew ( which I have none ) at XXXX XXXX. The bank charged a fee of {$8.00} for the cash advance. 
The documents XXXX XXXX provide are self explanatory. 
I do not have an account with XXXX XXXX My email is not XXXX I do not have a nephew and no idea who XXXX XXXX is My North Carolina driver 's licence number is not XXXX Citi it treating the disputed amount as a charge when it is a cash advance. 
It would appear that Citi is allowing illegal transactions

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 2023-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
To Experian Recently i did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In XXXX, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter. 

1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

2. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX  Account Number : XXXX Please remove it from my credit report. 

3. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX Account XXXX : XXXX Please remove it from my credit report. 

4. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

5. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

6. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX Account XXXX : XXXX Please remove it from my credit report. 


Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I recently got a new copy of my consumer report and I noticed some accounts with inaccuracies so I would like validation for these alleged debts. According to 15 U.S. Code 1692 ( a ) " There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. '' so I need to be sure the alleged debts on my consumer report are validated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I have both a business and personal account at Bank of America. I have had accounts with Bank of America for over 25 years. The business account is XXXX XXXX and XXXX XXXX XXXX XXXX and the personal account is XXXX XXXX XXXX. 
XXXX. On XX/XX/2023 {$6900.00} was fraudulently transferred out of my business account to a XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pennsylvania XXXX. This person is not known to me and the address is a rundown property in foreclosure. The transfer was not discovered until XX/XX/2023 at which time the Fraud Dept. at BOFA was called and a complaint was filed. No 'recipient added ' notice, nor the code notices were received for the fraudulent person and the transaction. I followed all instructions from BOFA about changing passwords, etc., when instructed that day. 
Paperwork was sent to the Fraud Dept XX/XX/XXXX, XXXX It was Denied. Paperwork was refiled after a police report was made. 
2. Another attempt was made to transfer {$10000.00} on XXXX XXXX. I received a notification and called the bank and the Fraud was stopped. 
3. Personal Saving account- On Friday XX/XX/2023 I checked my balance which was {$10000.00} in the morning before running payroll. I deposited several checks into my business account and went back into the account on my computer to pay payroll. My saving account showed {$1100.00} and that {$9500.00} had been transferred out to a XXXX XXXX. I immediately called BOFA to stop the transfer, they said the best they could do is file a claim. I did not receive again the notice of 'Recipient ADDED ' or that a transfer had been made, which is what happens when a transfer had been made. The funds transferred back into my account on Monday, XXXX XXXX at which time BOFA did a FORCED DEBIT to the fraudulent account even though the account had been locked down on the previous Friday. The Fraud complaint has never been responded to to date. 
TO DATE : I have not had any of my funds returned to me. It is apparent that Bank of America 's online system is not secure and can easily be overridden. Bank of America is uncooperative in responding. Calls are made to follow up on the Fraud, and you are kept on the phone for over an hour as you are transferred from one person to another. Please advise what to do. XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: KY

Complaint narrative:
Chime has not refunded all transactions due to identity theft. 
They have denied several disputes I've had to file more than 1 as well due to only being able to add 4 per report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-07 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Someone called my daughter at work trying to get information about me. Never got anything in the mail or they never called me personally.I am very sick and they scared her very much. If they never contacted me and dont even have any information regarding this debt it should be illegal for them to call my daughter when they have never sent me information or called me. This is harassment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 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: TX

Complaint narrative:
XXXX XX/XX/2023 Chime informed me that I was approved for my dispute in the amount of {$2000.00} they then proceeded to send an email to show my account was closed and I will be receiving a check within 30 days. I sent an email to received a tracking number never heard anything I then called into chime XX/XX/2023 the guy informed me that I will be receiving a Check hours later I received a email saying I couldnt be verified and I was denied they are completely lying about not being able to verify me. I keep getting the run around about the situation i have spoke with over 10 people about the situation and I keep getting different answers each time I keep getting automotive emails with NO UPDATE I would like to report chime and I will like for them to send my funds over asap!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
in accordance with the fair credit reporting act XXXX Account XXXX has violated my rights. 

15 usc 1681 section 602 states i have the right to privacy.

15 usc 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 usc 1666b : A creditor may not treat a payment on credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York, New York XXXX : XX/XX/XXXX SSN : XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I reviewed my credit report on XX/XX/XXXX and found the following item ( s ) to be in error : 1. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, VT XXXX XX/XX/XXXX 4. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX 6. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX I demand that these things be investigated and removed from my report in accordance with the provisions of the Fair Credit Reporting Act. It's my understanding that you'll double-check these items with the creditor who uploaded them. Please eliminate any information that can not be verified by the creditor. I realize that you must finish this reinvestigation within 30 days of receiving this letter under 15 U.S.C. Sec. 1681i ( a ).

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SN SERVICING CORPORATION
State: MI

Complaint narrative:
We purchased our home in XX/XX/2021 for {$310000.00}. We put 5 % down, so our loan was {$290000.00}. Our original loan servicer was XXXX XXXX XXXX. It was sold to XXXX XXXX approximately one year ago. Our home value is now approximately {$400000.00} based on appreciation alone. We have also done numerous upgrades to the interior and exterior of the property. We are very confident our home would appraise for well over {$400000.00}. We have had several phone conversations, several email conversations, and have sent two written mailed requests for Private Mortgage Insurance ( PMI ) ( $ XXXX ) removal, to which they have repeatedly denied, or ignored. We specifically have spoken to XXXX XXXX and XXXX XXXX at XXXX XXXX. It is my understanding that if we request the PMI removal, then they must order a Broker Price Opinion, or reappraisal to determine the current value of the property and if we are at the 75 % XXXX ratio for PMI removal. We believe they are not acting according to legal guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I did not open these accounts and I strongly suspect that they are fraudulent. I am requesting that you investigate and take necessary action to remove them 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 2023-07-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
For several months, I was not able to access my XXXX XXXX account ( Comenity Bank ) online and would get an odd error message. I would also get the same error message when trying to change my password ( to try to clear the login issue ). I have had the account for many years with paperless billing. Before paying the current bill in full, which is my standard practice, I always review the specific charges first, which I could not do, since I could not access my account. In the meantime, I knew the minimum payments would be made because I had set up autopay. I called approximately 2-3 months ago and the customer service person I spoke with confirmed the login problem for my account, and said I should try again in a week and by then the login difficulties should be fixed. She also said they would start sending me paper bills. Two weeks passed, and I still couldn't access my account and I have yet to receive a paper bill. So I called back, and that customer service representative also acknowledged the login problem with my account and unregistered my card so I could reregister it and hopefully clear the log in problem. But, when I tried to reregister, the registration function was down and was not available. The customer service representative who had unregistered my card acknowledged this, and said I should try again later. Two to three weeks later, the registration function is still not available, and I have still not received a single paper bill. So I called again today. This time I paid my bill in full over the phone, without an opportunity to review the charges, because I already had a late charge. When my card was unregistered online, my autopay election was also cancelled apparently. The customer service representative today has put in a request to reverse my late charge. She also said I needed to work with my local post office, to see why I am not getting my paper bills. I live in a very densely populated urban neighborhood and the mail delivery is notoriously poor, which is why I always elect for paperless statements. So now I also have to worry about the fact that paper statements are being delivered to the wrong address, on top of not being able to check the charges actually made to my account. She suggested I keep using easy pay function ( which does not allow me to review charges ) and said hopefully the card registration feature would be fixed. I simply gave up and today paid my account in full, without an opportunity to review the specific charges, including any interest that had accumulated.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ASSOCIATED BANC-CORP
State: WI

Complaint narrative:
I owed back payments on a loan through them due to having to change jobs. I finally am making enough to repay the loan and they removed my ability to pay online. They also removed my ability to see what I owe them or what they charge me. They insist I call them for all of these details. I asked for an electronic statement due to my lack of a home and my constant traveling for work and they refuse to provide one. I just have to take the word of someone over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 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: GA

Complaint narrative:
To Equifax Recently i did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In XXXX, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter. 

1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX XXXX  Account Number : SYNCH-******************* Please remove it from my credit report. 

2. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX Account Number : XXXX Please remove it from my credit report. 

3. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX Account XXXX : XXXX Please remove it from my credit report. 

4. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 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:
I sent a certified letter to TransUnion LLC on XX/XX/2023 tracking number ( XXXX XXXX XXXX XXXX XXXX ) TransUnion failed to remove the inaccurate information I was requesting. I am following up with another letter today XX/XX/2023

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-07 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: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
Improper Use of Credit Reporting

Company response to consumer: Closed with explanation