vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-21 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I filed a dispute in XXXX 2023 and citi dispute center resolved the dispute after getting response from the merchant. 

The letter from citi dispute center stated " If after reviewing the merchant 's documentation you still wish to dispute this charge, please specifically address the merchant 's response along with the complete details of your dispute. " " Please sign and return this letter with the requested information by XX/XX/2023. Please do not send photographs, smart phone pictures, or zip files as they are not compatible with our system. Our fax number is XXXX and our email address is XXXX. Please reference this ID in the subject line of your email : XXXX. '' The merchant provided some false answers in their document. So I sent my response on XXXX XXXX to the citi provided email XXXX through my gmail account before the deadline XXXX XXXX. The email was received since there was no bounce back. But a week later when I called in to check the status of the dispute, I was told the response was not received and ask me to send it again. And I forward my original response to the same email and on the following day I faxed the same document through XXXX  to citi fax number and the fax was successful. I called in again and I was told the response was received. On XXXX XXXX, I got the investigator 's response better stating that my response was not on time and so the dispute was closed. 

The fact is that I sent my response on XXXX XXXX which was on time since it is before the deadline XXXX XXXX. I sent my response on time but they did not handle it on time. But the investigator still rejected to reopen the dispute.

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 2023-12-21 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX. Account # XXXX Account XXXX : XXXX XXXX XXXX. Account # XXXX Account Name : DEPT OF EDXXXX. Account # XXXX balance {$5500.00} Account Name : DEPT OF ED/XXXX. Account # XXXX balance {$5400.00} Account Name : DEPT OF ED/XXXX. Account # XXXX balance XXXX Account Name : DEPT OF ED/XXXX. Account # XXXX balance {$3800.00} Account Name : DEPT OF ED/XXXX. Account # XXXX balance {$1700.00} Account Name : DEPT OF ED/XXXX. Account # XXXXbalance {$3000.00} Account Name : DEPT OF ED/XXXX. Account # XXXXbalance {$1500.00} Account Name : DEPT OF ED/XXXX. Account # XXXXbalance {$1500.00} Account Name : US DEPT OF EDUCATION. Account # XXXXAccount high balance {$5500.00} Account Name : US DEPT OF EDUCATION. Account # XXXXAccount high balance {$2700.00} Name : XXXX XXXX. Account # XXXX Account Name : XXXX XXXX XXXX. Account # XXXX Account Name : XXXX XXXX XXXX. Account # XXXX Account Name : XXXX XXXX XXXX XXXX Account # XXXX Account Name : XXXX  XXXX. Account # XXXX Account Name : XXXX  XXXX. Account # XXXX Account Name : XXXX XXXX XXXX. Account # XXXX Account Name : XXXX  XXXX XXXX. Account # XXXX Account Name : XXXX XXXX  XXXX. Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX  Account Account # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account # XXXX 15 U.S.C 1681 section 602 A : States I have the right to privacy.

15 U.S.C 1681 Section 604A Section2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
See attached for more info. 
complaint numbers about this illegal matter ; XXXX XXXX XXXX XXXX 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 2023-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Assistance Account Lockdown with Chase Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to seek assistance regarding an issue I have been facing with my Chase account, and despite my efforts to resolve it directly with Chase, the matter remains unresolved. 

On XXXX I was informed by Chase that they needed to verify the issuer of two checks on my account. However, their system lacks a method to verify the business that issued these checks, resulting in an account lockdown. Despite my willingness to provide a phone number for verification or to visit a branch with the check writer, Chase has been unable to offer a satisfactory solution. I understand the importance of security measures, and I have suggested an alternative approach to verify the identity of the check writer. Specifically, I proposed providing a phone number and allowing Chase to contact the issuer directly to ask pertinent questions to confirm their identity. Given the current situation, the account lockdown has caused significant inconvenience and financial strain on my end. I have diligently cooperated with Chase, but their system limitations hinder progress toward a resolution. I kindly request the Consumer Financial Protection Bureau 's assistance in mediating this matter with Chase. Your intervention to facilitate communication between Chase and me would be greatly appreciated. Thank you for your time and attention to this matter. I look forward to a prompt and positive resolution.
Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: MN

Complaint narrative:
XXXX did Not provide a statement of charges after moving out within the 30 day time-frame that the landlord and their attorney acknowledges they had to provide the information. I did not receive deposit or statement. Landlord has tried to post charges previously on account ledger for things like eviction notice when there was never any eviction and we were never served with one but they charged a fee, charges for rent twice in one month that after i disputed with the apartment manager, they claimed was a mistake, not fixing anything in the unit then attempting to overcharge to make a large balance for tenants, etc. I just received an alert that {$910.00} was posted to my credit report. please review documents associated with complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
From approximately XXXX no one at Truist Bank should have accessed my bank account/information as I did not conduct ANY bank business during this period. On XX/XX/XXXX my XXXX  and I had a civil dispute and between XX/XX/XXXX and XX/XX/XXXX, he went into the Truist Bank and spoke in person with an employee. That employee provided him with my private savings account balance, information on the method on how I sign into online banking and other unknown information. The employee, who was friends with a retired law enforcement officer was provided the same information without my authorization or consent. I went to the bank and spoke with the manager on XX/XX/ and he said an investigation would be done. To date, the bank refuses to provide me with the results of this investigation or tell me who at the bank was in my accounts during that period of time.

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 2023-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Last month i found out that my XXXX XXXX XXXX had opened a mortgage loan under my name. The creditors called me demanding a payment. I have never sign anything or was aware that she had a mortgage under my name. This mortgage was done fraudulently and i wasn't aware of it.

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 2023-12-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: U.S. BANCORP
State: MN

Complaint narrative:
I want to be part of the class action lawsuit because I was job less then they added late fees and penalties and also uped my mortgage without notice

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 2023-12-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-12-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC
State: CA

Complaint narrative:
I am writing to file a complaint against Wakefield & Associates and XXXX regarding the handling of an alleged debt on my credit report. Despite my efforts to dispute the debt and seek verification, both entities continue to report the debt without providing the necessary proof of its validity. 

Details of the Complaint : Wakefield & Associates : Account Number : XXXX Alleged Debt : Medical in nature Date of Dispute Letter : XXXXXXXX  Violations : Failure to provide verification of the debt within the mandated 30-day period. 
Continuing collection activity without proper validation. 
Possible false representation of the debt. 

XXXX : Account Number : XXXX Alleged Debt : Wakefield & Associates, Account Number XXXX Date of Dispute Letter : XXXX Violations : Failure to conduct a reasonable investigation into the dispute. 
Reporting the debt as verified without providing proof of its validity. 
Failure to update information accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
XX/XX/23 Reported to bank 's fraud department that a fraudulent check was deposited to my account. Asked bank representative to freeze account and close debit card. 
XX/XX/23 XXXX direct deposit {$350.00} taken by bank to offset fees XX/XX/23 Received bank letter indicating deposited item being returned as fictitious item XX/XX/23 Received bank letter indicating investigation closed XX/XX/23 Letter received from bank indicating account closure. 
XX/XX/23 social security XXXX benefits received by bank verified by trace # provided by social security XX/XX/23 Went to bank to pay any fees and close account. Representative indicated account closed, social security XXXX returned to them as they could not post it as account was closed. 
XX/XX/23 called bank advising social security treasury did not receive funds back. Upon bank visit, learned social security posted for {$2400.00}. Bank took {$520.00} for fees and overdrafts was told by associate I could withdrawl {$1900.00}. Visited bank, informed account frozen for XXXX business days. Bank would not unfreeze social security XXXX even after all fees and negative balance was taken care of. Told I could possibly get funds on XX/XX/23. Asked bank how they could freeze federal XXXX funds, was told they can do what they want. Advised by associates to leave bank as it was closing time. 
Because funds were frozen, cable and cell phone turned off. Landlord started eviction process.

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 2023-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/2023, at approximately XXXX XXXX  PST, I discovered that my account had been closed, leaving a remaining balance of {$3800.00}. This abrupt closure was unexpected and troubling, as I have not engaged in any activities that violate Citibank 's terms of service, nor have I committed any treason or fraud. I have been a loyal Citibank 's customer, and this incident has caused significant inconvenience and distress. 

To provide a comprehensive overview of the transactions leading up to the closure, on XX/XX/2023, I transferred {$3000.00} from my savings account to my checking account. Subsequently, I transferred {$2400.00} to my significant other through XXXX within the Citibank app to reimburse him for expenses. It is important to note that I adhered to the daily transfer limit of {$2500.00} for my basic Citibank account. These transactions were well within the normal usage of my account, and I received no indication of any irregular activities, closure of my account, or any communication via text, phone call, or email from Citibank or XXXX from the time I made the transfer to the date of my account 's closure. This situation has put me in a vulnerable position as I am unable to pay my monthly bills. This was an isolated incident and my first time conducting such a big transaction of over {$2000.00}, with no intention of violating any terms or rules. 

My attempts to seek clarification and resolution through Citibank 's customer service have been met with frustration and inconsistency. Despite multiple calls to customer service, I have been redirected to different numbers and received conflicting information from XXXX different representatives. This lack of uniformity in responses has only added to my XXXX and uncertainty regarding the resolution of this matter. 

Furthermore, I have sought confirmation on the amount I will be receiving through checks for the remaining balance, but each representative has provided varying information. I have also requested proof of the correct amount and assurance that I will receive my funds, but I was informed that such documentation is not possible. 

This situation is both perplexing and distressing, and I find it imperative to make a formal complaint against Citibank for handling this matter. I kindly request a thorough investigation into the circumstances surrounding the closure of my account, as well as transparent communication regarding the amount I am rightfully entitled to receive through the checks that will be sent to me. 

I trust that Citibank values its customers and is committed to resolving issues promptly and fairly. I appreciate your prompt attention to this matter and look forward to a swift resolution.

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 2023-12-21 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: OK

Complaint narrative:
Equifax keeps updating and reporting accounts that are not mine and saying things like account is only XXXX days old etc. Equifax is reporting different amounts owed and different variations on the accounts, and my whole credit report. I have requested them to remove the fake information, I have sent police reports and FTC reports and reported the fraud on my credit report from them. I have sent certified mail to them about everything and I get the green slip back from the post office showing they got it but then they say that they have never received it at all. I have called them and they say since they are in a different country that the American Fair Credit Reporting Act does not apply in their country. They wait over the 30 days and never fix the problem. They report payments on accounts after they accounts were closed and paid in full. I am not sure how that is possible. I feel that Equifax has repeatedly and severely violated my rights on reporting, and continue to damage my good credit as a American consumer and person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Gurstel Law Firm, P.C.
State: CA

Complaint narrative:
I received a debt collection notice from Gurstel Law Firm, on XX/XX/2023.

I sent a Validation dispute letter, certified mail on XX/XX/2023. ( attached a copy of letter with all information I requested and copy of the certified mail receipt ) I received an envelope from Gurstel Law Firm on XX/XX/2023. The contents had nothing I requested

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 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: NV

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 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: CA

Complaint narrative:
Last month i found out that my ex wife XXXX had opened a mortgage loan under my name. The creditors called me demanding a payment. I have never sign anything or was aware that she had a mortgage under my name. This mortgage was done fraudulently and i wasn't aware of it.

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 2023-12-21 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: CA

Complaint narrative:
Last month i found out that my ex wife XXXX had opened a mortgage loan under my name. The creditors called me demanding a payment. I have never sign anything or was aware that she had a mortgage under my name. This mortgage was done fraudulently and i wasn't aware of it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-21 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: NV

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review

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