vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have an active Citibank Card ( Costco Anywhere Card ) that I pay the balance on every month via electronic funds transfer through XXXX  XXXX XXXX XXXX 's bill payment feature. 

I also have an old Citibank account that has been closed for many years, however, it remains on the bill payment page for my bank. 

I scheduled my payment to Citibank and failed to realize I sent it to the old closed account. I realized it when my active account had a late balance. I immediately paid the amount due on the open and active Citibank account and called my bank to see what could be done. 

My bank said they can do nothing. We must contact Citibank. We reached out to Citibank by phone several times and they tell us they can't find the account. I have the confirmation information from the bank that it went to Citibank and connected to that account number. They said they can not help us. So Citibank has a {$1100.00} payment they are not due, and will not provide any assistance. 

Can you please provide assistance in getting this money returned? It was paid to a closed account that has not been active for years. The amount due has been paid in full to my open Citibank account.

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 2022-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NH

Complaint narrative:
On XXXX a person claiming to be a Bank of Americal ( BOA ) employee called me from a number that appeared as coming from BOA on my phone. This person had all of my checking account information, including my account number, ATM number, expiration date and secret access number. He informed me that my account had been hacked, and if I could enter a XXXX transfer to BOA, he could fix. The person gave me a BOA address to send the XXXX to. This person had all my BOA information and never asked me for account numbers. In fact, kept repeating that BOA would never ask for account numbers over the phone. 

He knew the e-mail address associated to my account and all my personal info. 

I did enter the transfer, but never waived my right to have protection ( stated in my BOA Checking Account Agreement ) from fraud. The person who called, supposedly from BOA, initiated the action and I received absolutely no benefit from the transaction. 

I contacted BOA immediately after the fraudulent call, but they were unable to reverse the transfer. 

I did dispute the fraudulent XXXX transaction, for {$1500.00}, with BOA. Claim # XXXX was processed, at BOA, and I was recently denied refund.

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 2022-10-20 00:00:00
Product: Credit reporting, credit repair services, 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: MS

Complaint narrative:
These are fraudulent inquires that arent mine. 

XXXX - XX/XX/2022 XXXX XXXX - XX/XX/2022 XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-20 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: Experian Information Solutions Inc.
State: GA

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 {$14000.00} XXXX XXXX XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXXXXXX {$230.00} XXXX  XXXX XXXXXXXX # XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$0.00} XXXX XXXX {$370.00} XXXX XXXX {$880.00} XXXX  XXXX  XXXX {$1500.00} XXXX  XXXX  XXXX {$1400.00} XXXX XXXX XXXX {$800.00} 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 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 crime 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 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 explanation
Consumer complaint received 2022-10-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc.
State: GA

Complaint narrative:
RE : Square Inc. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca. XXXX ( XXXX ) XXXX or ( XXXX ) XXXX On XXXX XXXX, XXXX  XXXX XXXX, deposit from XXXX XXXX XXXX XXXX XXXX XXXX business account to our Square , Inc. Merchant account, {$500.00} same day of transfer the company emailed a letter Deactivated the account and placed said funds in the amount of {$500.00} on hold until XXXX XXXX for no apparent reason I, had spoken to a customer service advisor, and they couldn't explanation why the account was deactivated after I received debit card. 

We are asking CFPB to look into this matter and help us retrieve said fund back into our business account. 
Thank you in advance for your services in looking into this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: AMERICAN EXPRESS COMPANY
State: TN

Complaint narrative:
I am filing this complaint and asking for your help to help me. I a a victim of Identity Theft. There are accounts that are being reported on my credit file. One of those is AMEX which was opened XX/XX/2018 with a balance of {$1300.00}. I also have reached out the the 3 major credit bureaus and filed a dispute with them. This account is clearly not mine. I already have filed an FTC affidavit and a police report regarding this matter. I am attaching those documents I mentioned to verify and authenticate my claims. This fraudulent account is taking toll on my credit standing. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 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: CA

Complaint narrative:
On XXXX an amount of {$6100.00} was deposited, posted and made available to my account. I contacted customer service through Chase Online Banking 24 hour help service. I explained the deposit slip account number did not match mine and the bank deposited it to my account in error. I was then told to contact another service department at XXXX eastern standard time. I contacted the service branch and they proceeded to tell me this was only able to be handled through a branch because the check was made deposited by a branch. Both women who helped had similar accents and the check deposited is also to a foreign sounding company from a three letter company. The check image is grainy and appears to be blotched and none credible- no signature, make payable to the account name ( I am not a business or hold a business account ), the date on check is the XX/XX/2022, the written amount does not match the numerical amount ; the deposit slip also is incomplete, being there is no check in the box next to the type of account. This feels like a loop scam to keep the funds from being transferred out of my account and into the proper account that is a digit off from mine. I will be proceeding into a branch when one opens in about 3 hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: VA

Complaint narrative:
On XX/XX/2022, I called Mohela to request a refund for payments during the XXXX pandemic. During the phone call, they approved the refund request, and stated that the funds would be in my account within 30 days. The refund was never processed. I have tried calling them on multiple occasions starting on XX/XX/2022. Representatives do not answer the phone, and hold times exceed over XXXX hours. I have also attempted to reach out to them using the " Contact Us '' portal on their website, and I have not received a response that way, either. I would appreciate any assistance in this matter, and would like an update regarding the status of my refund.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 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: GA

Complaint narrative:
Unfortunately I have been a victim of identity theft and the accounts listed below are fraudulent, I have faxed and mailed documents to all 3 Credit bureaus seeking remedy per the FCRA but have yet to get any help so I am hoping the CFPB can help me in this case. Please remove these accounts immediately. 

Account Name : XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) Account Number : XXXX Account Name : XXXX XXXX  XXXX ( XXXX ) Account Number : XXXX Account Name : XXXX XXXX XXXX ( XXXX XXXX XXXX  ) Account Number : XXXX Account Name : XXXX XXXX XXXX ( XXXX XXXX XXXX  ) Account Number : XXXX Account Name : XXXX XXXX XXXX ( XXXX XXXX XXXX ) Account Number : XXXX Account Name : XXXX. XXXX, XXXX ( XXXX XXXX XXXX ) Account Number : 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 2022-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On XX/XX/2022 at XXXX, someone applied and was approved for a Bank of America XXXX XXXX Banking account. I called Bank of America and they transferred me to the fraud department who stated this account was opened online in my name using my social security number, date of birth, and other identifying information. To my knowledge I have not had any cards or IDs stolen. They were able to close the account which had a balance of {$0.00} and said it was being investigated through their department.

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 2022-10-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Well the company has stolen my personal information to sell to credit bureaus and has refused to delete from my credit. As per United States, bankruptcy court. The United States Bankruptcy Court does not report any Information to the credit bureaus and is not responsible for verifying or validating information from consumers ' credit files. Bankruptcy filings are publicly available records.with that bin said they are fraudulent reporting to Trans Union

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 2022-10-20 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: GA

Complaint narrative:
Unfortunately I have been a victim of identity theft and the accounts listed below are fraudulent, I have faxed and mailed documents to all 3 Credit bureaus seeking remedy per the FCRA but have yet to get any help so I am hoping the CFPB can help me in this case. Please remove these accounts immediately. 

Account Name : XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) Account Number : XXXX Account Name : XXXX XXXX XXXX ( XXXX ) Account Number : XXXX Account Name : XXXX XXXX XXXX ( XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX ( XXXX XXXXXXXX XXXX  ) Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) Account Number : 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 2022-10-20 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Unfortunately I have been a victim of identity theft and the accounts listed below are fraudulent, I have faxed and mailed documents to all 3 Credit bureaus seeking remedy per the FCRA but have yet to get any help so I am hoping the CFPB can help me in this case. Please remove these accounts immediately. 

Account Name : XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) Account Number : XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX Account Name : XXXX XXXX XXXX ( XXXX XXXXXXXX XXXX  ) Account Number : XXXX Account Name : XXXX XXXX XXXX ( XXXX XXXX XXXX  ) Account Number : XXXX Account Name : XXXX XXXX XXXX ( XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX Account Name XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 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: TX

Complaint narrative:
I would like to file a formal complaint against Transunion for violating my FCRA rights. I've sent several letters to TransUnion to try and get them to investigate these inaccurate accounts on my behalf. They haven't done anything to help me get these inaccurate accounts and errors removed so I am reaching out to you for help. I have attached the last letter I sent them so you can see all of the inaccuracies in their reporting. Please help me get these accounts removed.

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 2022-10-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I am a victim of fraud in Bank of America. XXXX created an account using her name and my name without my authorization. I informed the bank personally due to an alert on our phone on XX/XX/2022. While I was on the phone informing the bank that a fraud activities is going on with my family and my accounts we were able to see the electronic transaction is " processing '' .. On XX/XX/XXXX we filed a claim number XXXX. On XX/XX/2022 we received a letter from the bank ( I will attached later ) stating " We've completed our research on your claim and we determined you are not the person responsible for opening the account ( fraud account ending with XXXX ''. Bank consider my inquiry resolved and no further action is needed. On XX/XX/XXXX they reversed the decision ( attached later for XXXX account as an example since all of us in the family have XXXX accounts ). stating the bank denied my claim and consider it close because the transfer was authorized by our device which is a lie. The total amount that we lost is more than XXXX. 

I do not trust the bank conclusion since they never contacted the phone manufacturer with law enforcement and check on the bank mobile apps if it was compromise. 

Also so far they bank refused to give us any temporary credit to buy grocery to eat or pay our bills. I have been customer for over 31 years. They have my record.

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 2022-10-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: MEMBER FIRST MORTGAGE, LLC
State: MI

Complaint narrative:
Member first mortgage continues to report an incorrect balance due to the credit bureaus. 
XXXX XXXX XXXX reported an increase to the balance due of XXXX. XX/XX/XXXX reported an increase of XXXX to the balance due. XX/XX/XXXX reported an increase of XXXX to the balance due. So, they reported a balance due to the bureaus of XXXX But if I login to my account, the actual balance due is XXXX approximately. I have asked them multiple times to fix it starting XX/XX/XXXX. Instead of fixing it, they added more to the balance XX/XX/XXXX. I keep getting excuses from them that they are working on it, it's a system error, blah blah blah. A dispute has been filed with XXXX and also a complaint with the local XXXX. Nothing has been done.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 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: Experian Information Solutions Inc.
State: GA

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

XXXX5 U.S.C 1681 Section 602 A. states I have the right to privacy.

15 U.S.C 1681 Section 602 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 explanation
Consumer complaint received 2022-10-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
To whom this concerns, I went through a divorce in 2020 and XXXX XXXX XXXX from XXXX XXXX XXXX told the respondent XXXX XXXX that he needed to pay 50 % of the acquired joint debts within the legal documentation of the Divorce Decree. ( Please see attached Decree ) page 4, P-2 ( c ) I want to pay my portion of the debt that was ordered by the Judge and after which I would like for the debt to be taken out of my name. I contacted The National Credit Systems several times over the last 2 years who hold the fore mentioned debt and they told me that I have to pay the entire amount of {$6100.00} with no offer of reduction, even though I explained to them that I was only responsible for 50 %. I also told them that previously I received a reduced offer of {$3000.00}. They stated that wasnt their problem and I would have to pay in full. I also recently received documentation that didnt correlate, the rent was {$1500.00} and I was told the 2 months rent was suppose to have be paid however they added a reletting fee of {$3000.00} but the were able to rent the apartment out shortly after. So I am unsure of why there was a charged if the said apartment was rented. 

XXXX XXXX was awarded the house and had access to pay his portion of the debt and the joint credit card debt but he hasnt attempted to do so. The respondent has somewhere to live but as it is a broken lease although he told me that that he handed in the required notice. So now, I am the one having difficulty finding accommodation and with the current situation of hard economic times I am sure you understand why this is imperative to achieve a solution. 

Please can you look into this and assist Kind regards XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 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 — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
my capital one auto says last report dates was on XX/XX/2021 but my statuss dates says 30 days last when account was paid in full on that day.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 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: TX

Complaint narrative:
I would like to file a formal complaint against Experian for violating my FCRA rights. I've sent several letters to Experian to try and get them to investigate these inaccurate accounts on my behalf. They haven't done anything to help me get these inaccurate accounts and errors removed so I am reaching out to you for help. I have attached the last letter I sent them so you can see all of the inaccuracies in their reporting. Please help me get these accounts removed.

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