vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Citibank closed my account back in XXXX due to the accusing me of posting a fraud check. I called Citibank and I had them call XXXX XXXX  who issued the check and they verified that the check was not fraud, but they could not re open the account. I said that is fine just send me my money. The representative told me I will be getting my money within 60 days. Its been more than 60 days I have not gotten my money or any updates. Every time I call them all of a sudden my mothers maiden name is not correct and they can not access my account but when I threaten to get a lawyer the representative then all of a sudden told me he can see my account and that he sees that I am owed money but he cant help me and he will ask the escalations department and states he will personally call me back within 48 hours. I never got a callback. I have called every single day and the representatives that answer either hang up on me or they told me that they have to look into it further because they cant answer my questions on whats happening with my money! All I want is my money!!! 
Citibank is fraud and thieves. My mothers maiden name has never changed and I was able to access my account with that name prior to me asking for my money but since I want my money they are stating that that is no longer correct. This is ridiculous.

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 2024-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XX/XX/XXXX I had a contractor by the name of XXXX XXXX met with me at my house for the second time concerning some work needed to be done to an XXXX XXXX a house that I owned. I asked for an estimate and work details based on our conversation of XXXXupon meeting with him on XX/XX/XXXX after going over the document I noticed some issues which I wanted to address further but as I was talking to him the door bell rung and I want to get the door. Upon returning he informed me that the stuffs mentioned would increase his labor cost since we could come to an agreement I stopped with signing of the agreement thus ended my conversation with XXXX. The next morning at about XXXX upon checking my bank account I noticed a check I had written based on the initial payment agreement that was not handed to XXXX was missing from my check book. I reached out to Chase Bank and informed them of the situation. I was told the check was cashed so I entered a claim. A week later upon checking on my claim I was told I would not be reimbursed although my check was stole by the contractor.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Delinquent/Derogatory payment with XXXX XXXX XXXX for the month of XXXX or XXXX of XXXX  ), showed on my credit report with all 3 bureaus ( XXXX, Equifax, XXXX ). 

Request made to XXXX for correction. 

Received phone call from XXXX that adjustments had been made and letter was sent to credit agencies directing them to delete the account. 

Received copy of letter XXXX sent to credit reporting agencies ( via USPS ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-22 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: NY

Complaint narrative:
I hope this message finds you well. Upon reviewing my credit report, I discovered that there is inaccurate information associated with my profile. I believe my account was compromised through the dark web.I am writing to dispute the accuracy of several hard inquiries on my TransUnion credit report. The details of the inquiries are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request that you conduct a thorough investigation into the validity of these inquiries and ensure compliance with the FCRA. If these inquiries are found to be unauthorized, I request their immediate removal from my credit report. Thank you for your cooperation and assistance in resolving this dispute. I look forward to a swift resolution of this matter. 

Sincerely 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 2024-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
Never received correspondence from debt collector showing on my credit report I dispute validity of debt Debt collection efforts not in keeping with FDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX account XXXX XXXX XXXXXXXX XXXX, account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-23 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX account XXXX XXXX XXXXXXXX XXXX, account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX regarding the presence of inaccurate and fraudulent accounts on my credit report. I am certain that I do not owe these debts, and the circumstances surrounding these entries are deeply troubling. Despite updating my address with the creditors when I moved, the debtors quoted my old address  when I contacted them. This discrepancy raises serious concerns about the accuracy of the information provided. I never received any notifications or correspondence regarding these debts, leaving me no time to dispute them. The impact of these fraudulent accounts on my credit report is not only financial but is also taking a toll on my mental, physical, and emotional well-being. I am distressed by the violation of federal laws, and I implore you to take immediate action in deleting these entries from ALL  XXXX  credit reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-01-23 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: FIRST NATIONAL BANK OF OMAHA

Complaint narrative:
I have had the XXXX  FNBO XXXX credit card with XXXX for 1 year now ( Since XX/XX/XXXX, it is now XX/XX/XXXX at time of writing. ) Since XX/XX/XXXX, I have had a statement credit of - {$610.00} on my account Between XXXX - XXXX of XX/XX/XXXX, I started to spend this credit. 

However, on the XXXX on XXXX, the ENTIRE REMAINING BALANCE of {$420.00} was REMOVED from my account. Gone! 

Transaction detail : XXXX XXXX XXXXT {$420.00} I haven't been emailed about this. I haven't been called. No letters in the mail. Nothing. 

On the XXXX of XXXX, I called fnbo and I waited XXXX to speak with XXXX. She told me I had to visit a bank to confirm my identity, but she kept talking over me. I asked to speak with the supervisor and she refused, she put the phone down on me. 

Before I called, I could log into my bank, however after this call, when I try to login to m card, it says : " Account not found '' When I call them back and enter my credit card number for verification, the phone call NEVER continues, it just goes silent. I feel like I've been scammed. 

I demand to know what is going on here!!! and I want my money returned to me! 

Regards 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 2024-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Late payment report on credit report.. 
unfortunately I had a medical emergency that almost killed me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-23 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: FL

Complaint narrative:
RE : Formal Complaint Against TransUnion LLC - Violation of 15 U.S. Code 1681i Dear Consumer Financial Protection Bureau ( CFPB ), Thank you for acknowledging my formal complaint against TransUnion LLC in connection with the violation of 15 U.S. Code 1681i.

I have attached the Investigation Results by TransUnion LLC, identified by File Number XXXX, confirming the ( VERIFIED ) status of the information in question.

I am seeking your intervention to ensure compliance with the provisions outlined in 15 U.S. Code 1681i, and your timely cooperation in addressing this matter is greatly appreciated. 

Thank you. 
Sincerely, XXXX, XXXX All Rights Reserved UCC 1-308

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 2024-01-23 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: TX

Complaint narrative:
After looking through my credit profile I noticed some hard inquiries that do not belong to me

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 2024-01-23 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
Bread Pay email collection states that they will only stop contacting via phone employers of a debt if I mail the request. If I inform them over the phone to stop contacting me at my employer, I must send a letter confirming such choice within 10 days or the request is not valid. This is illegal. If I request that the collection agency stop contacting my employer, they must stop doing sofull stop. The law does not indicate how I inform the collection agency of my request, just that I inform them. Bread is using predatory and illegal tactics to collect. See footer of attached email for proof. This serves as my notice to not call my employer. Be warned that if Bread does contact my employer or tries to contact me at my employer, I intend to sue to the fullest extent of the lawand I will prevail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-23 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:
I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
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 2024-01-23 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I received a hard inquiry on my credit report labeled as " ComenityBank/kay '' on XX/XX/2024. This inquiry says that I applied for a new credit. This is false ; I have not opened any new credit lines. I have monitored all of my credit cards, however, I am deeply concerned that this inquiry is fraud and would like to have this resolved and also removed from my credit report. I called XXXX and XXXX who both advised me to place a report. Please advise on next steps, thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-23 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: PA

Complaint narrative:
I reviewed a copy of my credit report and I noticed there were some fraudulent inquiries listed on my report. I have previously reached out to the credit bureau to rectify this affair but they have been negligent in complying with my request. 

Please see attached documentation to meet demands in a timely fashion. PLEASE DO NOT SEND ME A LETTER VIA MAIL SAYING YOU DO NOT RECOGNIZE OR DO NOT THINK THAT IT IS INDEED MYSELF, XXXX XXXX XXXX AND YOU CANCEL THE COMPLAINT!!!!! I HAVE SUBMITTED MY ID AND MY SOCIAL SECURITY CARD AS VERIFICATION THAT I, XXXX XXXX XXXX, AM SUBMITTING THIS ALONE WITHOUT ANY THIRD PARTIES OR INFLUENCE!!!

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 2024-01-23 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: Ocwen Financial Corporation
State: MO

Complaint narrative:
After XXXX, I applied for a loan modification. I was approved. I made the first payment, then was told by PHH Mortgage there was no loan modification in place. Since the initial loan modification, I have repeatedly completed the paperwork. Every time, there is something more PHH needed, which I have provided. Now they are simply saying this is not an option and foreclosure is my only option.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Self Financial Inc.
State: VA

Complaint narrative:
I have been trying to close The Self Lending card for six months and the only way to close it is to call a number and no one ever answers the phone. 
Now they are charging me late fees and reporting me to credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 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: Fidelity National Information Services, Inc. (FNIS)
State: PA

Complaint narrative:
Account on ChexSystems doesn't belong to me, please see attach FTC 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 explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: AMERICAN EXPRESS COMPANY
State: WI

Complaint narrative:
I have provided several ( Applications ) to American Express which was provided as collateral security to which I have yet to receive any Benefits from this transaction and I have exercised my rights in good faith and still being denied an extension of my own credit. These are violations of TILA and is considered discrimination on American Expresses behalf. This has caused me not to be able to provide for my family caused great stress not able to get adequate transportation or adequate living which has cause me to become homeless. My life may be in danger due to the fact that I am not getting access to the benefits that I should have received for providing collateral security ( Application ) along with my SSN ( credit card ) and have yet to receive any benefits. I can prove that the lien is between the issuer and the depositor which apart of the same company, also I can prove they are selling securities on the secondary market.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kinum, Inc., Indianapolis, IN Branch
State: FL

Complaint narrative:
Institution Information : KINUM INC Date of collections : XX/XX/2023 Date of Inquiry : XX/XX/2023 Collection amount : {$12000.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX I have reached out to the institution about the account informing that it doesnt belong to whatsoever nor have I gave this institution permission to open up account within my information in the first place. They cant even verify no information of address or identification that verifies to me with email or phone number or a confirmation number of me even open the account. The count as well is hurting my credit score because they say that is in collections due to no payments or late payments. The account is reporting only to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Letters of dispute to all 3 credit bureaus Experian, XXXX, & XXXX regarding disputes of reporting incorrect/ inaccurate information on said collection accounts ( see below ). Letters were mailed on XX/XX/XXXX ( first Attempt ). Section 609 Letter was mailed to All three Credit reporting Bureaus on XX/XX/XXXX ( 2nd Attempt ). After no response/ no resolve ( 3rd Attempt ) mailed letter on XX/XX/XXXX and File FTC Complaint. 

Accounts : XXXX XXXXXXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX credit- 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