vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION
State: CO

Complaint narrative:
NEVER USE TRUIST BANK! 
Date : XXXX Actions : I'm buying a new house and the new loan was denied because of the Truist Bank wrong reporting and refused to make corrections. 
My loan was sold to Truist three month ago. I talked with Truist from XXXX to XXXX  and they kicked issues among them and could not resolve anything, and I requested to talk with management level person but every time each person kept me waiting for 24-48 hours and I never received any calls. 
My new loan officer showed me a regulation from CFPB showing that Truist violated the 60-day late payment during transfer laws. I've paid off all the dues and tried my best to negotiate with Truist, but their attitude is so horrible and not helpful. Everyone is like a robot and manager is hiding.

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 2023-08-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/2023 I transferred {$16000.00} from my personal savings account in XXXX to my personal savings account in Citi Bank. 

On XX/XX/XXXX, Citi Bank sent me an e-mail saying my Savings Account would be closed within 60 days and my funds would be mailed back to me to my address on file. 

I've had numerous calls with Citi Bank Customer Service, Fraud Prevention and visited multiple branches to get this problem resolved. Citi Bank 's response at this point is that I should reach out to XXXX and they should file a " Harmless Claim '' so I can get my funds from them ; Citi Bank now says they won't mail me my funds back. 

I have talked to XXXX and they say there is nothing they can do as the transaction is not fraudulent and was clearly made by me ( the owner of both accounts ). And that Citi Bank should mail my funds back. 

It is XX/XX/XXXX now. So it's been 4 months and my funds have not been returned. I feel the need to escalate this issue as Citi Bank is clearly not cooperating.

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 2023-08-25 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I received a notification from XXXX and XXXX XXXX company that my Synchrony XXXX XXXX account was closed immediately on XX/XX/XXXX by the creditor. I was not notified by the creditor of this action. I contacted the creditor as well as XXXX for information. Per XXXX, no information was shared to the creditor. However, Synchrony reported that they closed the account based on information from XXXX. This account was opened on XX/XX/XXXX and remained in good standing. I made XXXX separate purchases on this account within the last year. Currently, I have a remaining balance of ~ {$800.00}. ( Last transactional purchase was in XX/XX/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 2023-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc
State: NY

Complaint narrative:
On XX/XX/XXXXXXXX  an agent from XXXX XXXX mistakenly overcharged my Chime account in the amount of {$260.00}. I requested that my account be debited {$130.00}. I immediately caught the error and call the cable company. I spoke with XXXX who told me to get in touch with Chime and dispute the error. I did this and Chime opened a dispute in the amount of {$260.00}, dispute number XXXX. 

On Saturday XX/XX/XXXX I was given a provisional credit of {$130.00}. On XX/XX/XXXX i contact the Chime dispute department requesting to know where the remainder of my money was ; Initially I spoke with XXXX who identified himself as a supervisor, he transferred me to XXXX in the disputes department, who told me the remaining money, of {$130.00} was paid to XXXX. No such payment was made, as verified by XXXX XXXX XXXX XXXX XXXX senior level management. From XXXX, I was transferred to XXXX, also claiming to be a supervisor in client disputes ; again I was told the money was forwarded to XXXX. I was forwarded a bank statement that they insisted had the missing money paid to XXXX. No such payment was made.I was transferred to Eme also stating she was a supervisor, I asked the same questions, she assured me my remaining balance of {$130.00}. Was paid to XXXX. I was then transferred back to XXXX, who could only say the investigation was not not concluded. I am a senior citizen and I need my money to take care of my responsibilities. I need your assistance in getting my money

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26 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: TX

Complaint narrative:
I have tried over and over and over again to work with the credit bureaus and they keep giving me the run around. It has been months and I send them a new letter every month and the incorrect personal information and account inaccuracies is still there. I am done!!!!!! I have had enough. No more waiting no more stalling remove it now. Your bad reporting is preventing me from getting me a new house and loans for my business. I watched XXXX and learned that your inaccurate reporting is a violation and am seeking litigation. I have attached a notarized document proving I am who I say I am because yall keep acting like its not me!!! Who else would be trying to deal with yall other than the person yall wrongly reportin on.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
I have disputed these debts with XXXX, XXXX and XXXX XXXX without success in XXXX, XXXX The following collection : Cavalry Portfolio Services ( XXXX ) {$5800.00} Some of the answers that I received were that the collection had an update, again it said that it was verified but I do not agree with the answer since they are not my collections

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: B9, Inc.
State: KY

Complaint narrative:
I filed a complaint case number XXXX back on XXXX. The company XXXX responded with nothing but lies. Stating they don't have records of me calling 3 months in a row requesting a replacement debit card. I would like for all the voice recordings to be pulled regarding my account and that will prove exactly how many times a representative claimed they ordered a new card!! It will also show how many times I've asked to speak to a XXXX or supervisor and how long I was placed on hold and then disconnected. It will also prove how many times I've asked for the corporate phone number and they claimed they don't have it! It will also show how many times they just sat there and laughed. See the other complaint for all the charges

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 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: TN

Complaint narrative:
Inquiries on my account from last purchase not expressed. I never authorized 5 injuries on one purchase.

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 2023-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have an identity theft issue and have been reporting this to the credit XXXX for about a year now. While reviewing my credit report I noticed a recent pay loan for XXXX on my file with a XXXX recent payment as of XX/XX/XXXX. I have not applied for any loans this is fraudulent. 
I have now had to close my bank, checking, and credit with My Bank. 
This is a copy of it from my credit report. 

XXXX  XXXX XXXX Balance details 3 % paid off Balance {$350.00} Balance updated XX/XX/2023 Original balance {$360.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/2023 Account type Unsecured Payment summary 2023 PAYMENT HISTORY XXXX Status Open/Never late. 
Status updated XX/XX/2023 Original balance XXXX XXXX  Monthly payment {$12.00} Last payment date XX/XX/2023 Contact info Address XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, IL XXXX Phone number ( XXXX ) XXXX PERSONAL STATEMENTS XXXX XXXX XXXX XXXXXXXX ID SECURITY ALERT : FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. 
Personal loans

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 2023-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NE

Complaint narrative:
Three deposit accounts were opened fraudulently with my information I never banked at this bank my identification drivers license and social security number was lost and used by someone I dont know

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 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: OH

Complaint narrative:
I have some inquiries on my report 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 2023-08-25 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: MI

Complaint narrative:
XXXX # XXXX This account I asked to be deleted not updated. I sent out Verification letters to this company which I also sent to your company. It was not verified by the said company therefore can not be verified by your company. Before further steps has to be taken I ask that you obey the law and delete this account from my credit reporting I demand you remove all references to this account from my credit report within 30 day. This is the third request for this to be done. Attached is the return letter to verify this company received verification letter. I also have copies 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 2023-08-25 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Netspend Corporation
State: VA

Complaint narrative:
I was sent a Brinks Armored Account debit card in the mail. The card is embossed with my full name, address, and an account number. I never requested this card, and it seems as if an account has already been opened. Usually when I get these unsolicited promotional cards in the mail they wont be embossed with my name. And they will usually include an OPT OUT statement, which this one did not. I tried calling customer service to ask about it but they wouldnt let me get through to an actual person without giving my social security number. Now I dont know if someone signed up for the card using my information, or if its just a deceptive unsolicited advertisement. But can we put a stop to this sort of thing?

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 2023-08-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: NM

Complaint narrative:
In the service Cash App it is clear to me that in my profile there are three people that I do not know replacing three people from my phone contacts. Customer service will not resolve the issue. The 3 contacts from my phone do not appear and instead appear 3 unknowns.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 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: KS

Complaint narrative:
After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.

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 2023-08-25 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: KS

Complaint narrative:
After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.

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 2023-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I contacted XXXX via mail requesting that they research a tremendous error in my credit score reporting. XX/XX/XXXX  my credit score was XXXX ( reference XXXX report # XXXX ) and as of XX/XX/XXXX  my credit score dropped to XXXX which is a decrease of almost XXXX points. I have not applied for any new credit, my amount of debit is still the same, there are no late payments or collections. My credit activities have been consistent over the last few years. 

I'm requesting research to find the root cause of my credit score decrease and resolve the issue to correct this error 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 non-monetary relief
Consumer complaint received 2023-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I contacted XXXX via mail requesting that they research a tremendous error in my credit score reporting. XX/XX/XXXX  my credit score was XXXX ( reference XXXX report # XXXX ) and as of XX/XX/XXXX  my credit score dropped to XXXX which is a decrease of almost 99 points. I have not applied for any new credit, my amount of debit is still the same, there are no late payments or collections. My credit activities have been consistent over the last few years. 

I'm requesting research to find the root cause of my credit score decrease and resolve the issue to correct this error immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Army and Air Force Exchange Service
State: HI

Complaint narrative:
I was recently XXXX in a remote location where I had no access to the internet and was unable to make a payment. 

I reached out to the company and was provided an email and no other way to explain the situation. Since that time I have paid in full the credit card and have a XXXX balance.

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 2023-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Transform Credit Inc.
State: CA

Complaint narrative:
I have an identity theft issue and have been reporting this to the credit Agancys for about a year now. While reviewing my credit report I noticed a recent pay loan for XXXX on my file with a XXXX recent payment as of XX/XX/XXXX. I have not applied for any loans this is fraudulent. 
I have now had to close my bank, checking, and credit with My Bank. 
This is a copy of it from my credit report. 

XXXX XXXX XXXX Balance details 3 % paid off Balance {$350.00} Balance updated XX/XX/2023 Original balance {$360.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/2023 Account type Unsecured Payment summary 2023 XXXX  XXXX XXXX Status Open/Never late. 
Status updated XX/XX/2023 Original balance $ 368 Monthly payment {$12.00} Last payment date XX/XX/2023 Contact info Address XXXX XXXX XXXX XXXX FL XXXX XXXX, IL XXXX Phone number ( XXXX ) XXXX PERSONAL STATEMENTS XXXX & XXXX XXXX ID SECURITY ALERT : FRAUDULENT APPLICATIONS XXXX BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. 
Personal loans

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I opened my chase business account with {$200.00} dollars and now its shows Im negative its not fair I didnt even get to use my card since I lost it and they have been charging me monthly service fees without me knowing I asked if as a courtesy they can reimburse me these fees they said no

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: CA

Complaint narrative:
Business checking account was closed due to " suspicious activity '' on XX/XX/2023. At the time of closing, I had {$16000.00} in the account. After a few days received a cashier 's check for {$100.00}. After multiple attempts to contact customer support and visited branch they requested documents from my other bank who sent the funds ( {$15000.00} ). I sent the documents but after Two weeks they still cant release my fund.

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 2023-08-25 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: FL

Complaint narrative:
I opened a Citi Diamond Preferred card on XX/XX/XXXX. I never received the card. After trying to get through to speak with someone on their service number which consistently disconnected my call, I decide to close the account. I spoke with Citibank on XX/XX/XXXX to close the account. I received confirmation on XX/XX/XXXX via email and subsequently a letter that account was closed with a XXXX balance. 
On XX/XX/XXXX, I received an email stating there was a balance with a minimum payment due. I immediately called to question this as I had confirmation of my closure with a XXXX balance. They stated the transaction was pending when I requested closure. Yet they allowed the fraudulent transaction to go through even when I stated I never received the card. The representative told me it was taken care of and I would not have any issues. 
I subsequently received emails saying the fraud dispute was being reviewed and that a new card is being sent. This is despite the fact I stated on XXXX I wanted the account closed. I then received an email on XX/XX/XXXX saying my minimum payment was being reduced due to the fraud dispute. The minimum payment referenced was exactly the same as the minimum payment referenced in the email of XX/XX/XXXX when I first became aware Citibank negligently allowed a fraudulent charge on a closed account and a card I never received. I called again today on XX/XX/XXXX and was again told it is taken care of and to disregard their emails. I asked for this in writing and was told they can not do that. The representative attempted to pawn me off on their security department. 
I am requesting written confirmation from Citibank that the fraudulent charge on the account I closed is not my responsibility and any emails they send referencing a balance and/or minimum payment due is erroneous, and that Citibank is fully responsible for any balance they reflect on the card. It is incredulous that they state they send erroneous emails but can not send me information that has been relayed to me verbally in writing as confirmation of their representatives statements.

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