vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
This is for the Macy 's credit card from Citi. Back in XXXX, I started to see notifications on the website that I needed to update the Authorized User information on the account and if I did not, they would disable the Authorized User account in XX/XX/2024. I went to the Authorized User information to review the information and everything was correct ( before I even access the information, there is an error message 'Missing of Invalid Address ' ). I select to edit the authorize user information, to review the information - everything is correct and I hit enter, and received an error message on the City field that numbers or special characters were not allowed. My city does not have numbers or special characters ( although since it is XXXX words, it does have a space in it ). I re-typed it with no spaces, hit save, and recevied a green check mark that everything was ok. I also received an email confirming I had changed the Date of Birth for the authorized user, even though I did not. I then went back in to check the change, and the original city name was back in there. Please note that the address is identical to what I have for the Primary Cardmember, but have not received any error messages for that AND this has been the same address for the authorized user since they were added awhile ago and has never changed. Then, I used the Secure Message function that is listed about XXXX  times on the site to explain the issue and immediately received a message back 'This secure message account is no longer in service, and incoming messages are not monitored. ' ( then why is it on the site.!!! ). I called customer service and was told there is a problem with the system- they deleted my online account and I had to reinstate it, but I'm still getting the same problem. I complained through XXXX to them and they had someone call who left a message. I tried to call them back several times and they never anwsered. I just need them to fix this issue. It is their issue, yet they are threatened to shut down the account. How do I get this fixed and why do I have to spend so much of my time trying to get it fixed?

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 2024-04-13 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: FL

Complaint narrative:
I've been a victim of fraud some one was able to obtain a loan on my behalf with the bank i was banking with and also open credit card under my name LOAN : XXXX XXXX XXXX Account Number XXXX Account Type XXXX XXXX XXXX Date Opened XX/XX/XXXX Status Account XXXX XXXX. {$3600.00} XXXX XXXX. {$3400.00} XXXX XXXX as of XXXX XXXX. 
Status Updated XX/XX/XXXX Balance {$3400.00} Balance Updated XX/XX/XXXX Recent Payment CREDIT CARD XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$830.00} Status Account XXXX XXXX. {$830.00} XXXX XXXX. {$830.00} XXXX XXXX as of XX/XX/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 2024-04-13 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: FL

Complaint narrative:
I've been a victim of fraud some one was able to obtain a loan on my behalf with the bank i was banking with and also open credit card under my name LOAN : XXXX XXXX XXXX Account Number XXXX Account Type Unsecured Responsibility Individual Date Opened XX/XX/XXXX Status Account charged XXXX. {$3600.00} written XXXX. {$3400.00} past due as of XXXX XXXX. 
Status Updated XX/XX/XXXX Balance {$3400.00} Balance Updated XX/XX/XXXX Recent Payment CREDIT CARD XXXX  XXXX POTENTIALLY NEGATIVE Date Opened XX/XX/XXXX Balance {$830.00} Status Account charged off. {$830.00} written off. {$830.00} past due as of XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-13 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: Experian Information Solutions Inc.
State: TN

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.

XXXX ) XXXX XXXX XXXX XXXX - Account number XXXX XXXX XXXX XXXX XXXX  - Account XXXX XXXX ) XXXX XXXX XXXX - Account Number XXXX XXXX ) XXXX XXXX XXXXXXXX XXXX  Account number XXXX XXXX ) XXXX XXXX  Account number XXXX XXXX ) XXXX  XXXX - Account number XXXX XXXX ) XXXX  XXXX - Account number XXXX XXXX XXXX XXXX XXXXXXXX - Account number XXXX XXXX ) XXXX XXXX XXXX XXXX - Account number XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ) XXXX, XXXX  - Account number XXXX XXXX ) XXXX XXXX - Account number XXXX XXXX ) XXXX XXXX XXXX - Account number XXXX XXXX ) XXXX XXXX XXXX - Account number XXXX All accounts listed above have violated my rights under 15 USC 1681, 15 USC 1681 section 602 A states I have a right to privacy.

15 USC 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 conviction of crimes which antedates the report by more than seven years, 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer, to any 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 non-monetary relief
Consumer complaint received 2024-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To officially notify XXXX XXXX  XXXX, TransUnion and XXXX maintained information on my report as a consumer reporting to companies what was knowingly false : Example XXXX XXXX XXXX Creating a mixed member file block. Wrong name still posted ( XXXX ) and wrong data ( XXXX  XXXX files ). Preventing an accurate financial picture. 
Per XXXX XXXX the correction is inhibited and a ticket was created to fix mixed member and remove XXXX. 
A followup was made on this and XXXX was to correct this in XXXX hours due today Saturday XX/XX/year> ; the issue is not resolved.

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 2024-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
To officially notify XXXX XXXX  Equifax, XXXX and XXXX maintained information on my report as a consumer reporting to companies what was knowingly false : Example XXXX XXXX XXXX Creating a mixed member file block. Wrong name still posted ( XXXX ) and wrong data ( XXXX  XXXX files ). Preventing an accurate financial picture. 
Per XXXX XXXX the correction is inhibited and a ticket was created to fix mixed member and remove XXXX. 
A followup was made on this and XXXX was to correct this in XXXX hours due today Saturday XX/XX/13 ; the issue is not resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-13 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: FL

Complaint narrative:
To officially notify XXXX XXXX  XXXX, XXXX and Experian maintained information on my report as a consumer reporting to companies what was knowingly false : Example XXXX XXXX XXXX Creating a mixed member file block. Wrong name still posted ( XXXX ) and wrong data ( XXXX  XXXX files ). Preventing an accurate financial picture. 
Per XXXX XXXX the correction is inhibited and a ticket was created to fix mixed member and remove XXXX. 
A followup was made on this and XXXX was to correct this in XXXX hours due today Saturday XX/XX/13 ; the issue is not resolved.

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 2024-04-13 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: CA

Complaint narrative:
To Whom It May Concern, This is a formal request for removal of mistaken public information recorded on my credit report.I contacted Transunion, to reinvestigate this accountI havepreviously disputed XXXX XXXX XXXX : Bankruptcy Ref # XXXX with you, and in response, you verified the itemas accurate, But how is that possible XXXX was investigated by XXXX and XXXX and resulted in the same conclusiona removal from my credit file. I have enclosed a deletion notice from XXXX. the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ), and the information must be deleted immediately.

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 2024-04-13 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: TN

Complaint narrative:
In compliance with the Fair Credit Reporting Act and as a gesture of respect to the XXXX XXXX XXXX XXXXXXXX on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

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 2024-04-13 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: TN

Complaint narrative:
In compliance with the Fair Credit Reporting Act and as a gesture of respect to the XXXX XXXX XXXX XXXXXXXX on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

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 2024-04-13 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: TN

Complaint narrative:
In compliance with the Fair Credit Reporting Act and as a gesture of respect to the XXXX XXXX XXXX XXXXXXXX on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 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:
In compliance with the Fair Credit Reporting Act and as a gesture of respect to the XXXX XXXX XXXX XXXXXXXX on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

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 2024-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MA

Complaint narrative:
The initial complaint # XXXX was filed with the CFPB on XXXX XX/XX/2024 as HSBC suspended access to online banking after a mobile deposit was made. The account was opened on XXXX XXXX  2024. The first deposit was made with the mobile app for a minimal amount ( {$36.00} USD ). This mobile check was from a financial institution ( bank stock disbursement ). This check took XXXX days to clear. On XXXX XX/XX/2024 another mobile deposit of several XXXX dollars was made via mobile deposit from a check issued by XXXX. The following morning I tried to access my account from the online banking app which indicated that my account was suspended with a message asking me to contact the bank. The conversation I had with customer service via the chat app on the banks website indicated that they had no idea why the account was suspended but i was provided the securities department number and asked to call them. After speaking with the securities technician i was told that the account would remain suspended until the funds cleared 'for my protection '. Please read the initial complaint indicated above for more information on that conversation. I was told that once the funds cleared my account access would be restored. I was provided with the date of XXXX XXXX  2024. On XXXX XX/XX/2024 I tried to access my online banking account and found that the suspension continued. I called the bank again to inquire as to when the account would be restored and was told that the funds had cleared however, the suspension remains and that I would have to contact the securities department again for further information. I then filed the grievance with CFPB. CFPB indicated that they would send the complaint to the bank, which they did. After XXXX weeks of waiting for a response, I received notification last evening that HSBC had responded to my complaint. A letter authored by XXXX XXXX ( Assistant Vice President, Head of Customer Relations ) indicated that 'all blocks on my account were removed and the account was fully restored on XXXX XX/XX/ 2024. Because the bank wrote a letter indicating compliance and that they had responded to my complaint. CFPB closed the complaint. The issue is that XXXX XXXX was deceitful in her letter when she indicated that the blocks had been removed and that the account was fully restored as it has not. This has been corroborated this morning when I spoke with customer service who indicated that the account remains suspended and that access is blocked. So it seems that CFPB closes out a complaint as long as the back or financial institution says something despite it being a complete and utter lie. CFPB needs to do a better job. What should have been done is to ask the individual who made the complaint, if the issue was in fact resolved, before they closed out the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 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:
In compliance with the Fair Credit Reporting Act and as a gesture of respect to the XXXX XXXX XXXX XXXXXXXX on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

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 2024-04-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CLGF Holdco 1, LLC
State: NC

Complaint narrative:
I misplaced my credit card during my move from XXXX  to XXXX. After I couldn't locate it as a precaution I reported it lost, updated my new address on their website and requested a new card. The outdated website doesn't give you options to control the card i.e lock the card if you misplace it. 

I filed an original complaint regarding this company reporting my balance to the credit reporting agencies before my payment was due causing a credit hit of over XXXX points. I spoke with a supervisor at this company and also express my concerns. 

On XX/XX/XXXX, I contacted Milestone MasterCard regarding the card I requested, I was told it was sent and then stopped on XX/XX/XXXX due to suspicious activity, how ironic this happens right after I filed a complaint because the company incorrectly reported me. There was no activity on the card because I hadn't used it and I didn't dispute any charges. I believed I used the card after I moved to XXXX XXXX  and was never sent any communication saying we think something suspicious is going on with your card or it was never blocked. 

I was told that I need to send proof of identity, I just spoke to a supervisor, regarding the reporting issue..updated my new address with the gentleman and agent that transferred my call and neither XXXX mentioned this. I was told I need to send an ID which takes XXXX days and then another XXXX  days to get a new card ... an entire XXXX  days. 

I made a payment on XX/XX/XXXX iao XXXX, which they accepted from my account in my name ( which is my regular payment due date not prior to the XXXX which is what was reported to my credit report. ) I viewed my statement, there is no available credit only a balance showing due. That's suspicious behavior because none of this has been sent to me in writing. Nothing to the previous address because I have the mailed forwarded or my new address It's seems like retaliation because all of this happened right after I filed the complaint about the incorrect reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: RoundPoint Mortgage Servicing LLC
State: MI

Complaint narrative:
XXXX was raised in the beginning of XX/XX/2024 from XXXX to XXXX now XX/XX/2024 raised again to XXXX. They Sy due to inflation but no real reason taxes and insurance is around the same interest XXXX escrow XXXX principal XXXX and they going no one else mortgage is going up around me just mine and I believe there going to go up again. I feel there stealing and their is a problem with the fees there charging my my loan amount was XXXX now its XXXX interest paid last year was XXXX the principal paid last year was only XXXX which is a problem it supposed to be a fixed rate my mortgage has well up XXXX  in XXXX from XXXX to 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 2024-04-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Did not receive car title
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
Ally bank funded a car deal without ever received the title In my name.

I have called ally for assistance in the acquisition of my title and registration but ally bank has not helped.

I am making payments to ally bank for a car that I can not drive legally I purchased the vehicle on XXXXXXXX XXXX,2024 dealers have XXXX  days to send over title and Registration, it is XXXXXXXX XXXX,2024 and the bank still has not acquired the title from their dealership. 

Service contract is included in financing agreement but I have no information on who it is with and when I signed up for it, so I tried to have that cancelled as well but I have not heard back from ally bank.

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