vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-18 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:
I'VE RECENTLY CHECKED MY CREDIT REPORT AND NOTICED SOME INACCURATE ACCOUNTS REPORTING

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 2024-05-18 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit 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 non-monetary relief
Consumer complaint received 2024-05-18 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: OH

Complaint narrative:
I did not initiate these inquiries and suspect them to be fraudulent. I request a thorough investigation and their prompt removal from my credit 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 2024-05-18 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: VA

Complaint narrative:
I have mailed a dispute to Equifax, USPS Tracking : XXXX XXXX XXXX XXXX XXXX XXXX Delivered : XX/XX/2024 at XXXXXXXX XXXX in XXXX, GA XXXX I have attached mailing attachments below along with the actual letter mailed to Equifax, along with tracking and signature when delivered. I have been disputing account ( s ) with Equifax. 

The account ( s ) below are reporting inaccurately according to the Metro 2 Compliance Standard. Compliant Reporting Is Not Optional, It Is A Mandated Requisite For Any Party Involved. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX In accordance with the FCRA 611 ( 15 U.S.C. 1681l ), I have above practiced justifiably my right to CONTEST the REPORTABILITY of any and all questionable conclusions that I have discovered on my personal credit report ( s ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-18 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: IN

Complaint narrative:
These inquiries are not mine, and I have no affiliation with the listed creditors. I urgently request their removal from my credit 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 2024-05-18 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: IN

Complaint narrative:
These inquiries are not mine, and I have no affiliation with the listed creditors. I urgently request their removal from my credit 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 non-monetary relief
Consumer complaint received 2024-05-18 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: IN

Complaint narrative:
These inquiries are not mine, and I have no affiliation with the listed creditors. I urgently request their removal from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-18 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:
I am writing to disagree with the previous results of the investigation I dispute the account listed below, which remains on my credit report despite your prior investigation. I request an immediate reinvestigation, as the inaccuracies are seriously impacting my credit score. 

Account Name : XXXXXXXX Account Number : XXXX Under the Fair Credit Reporting Act ( FCRA ), Public Law 91-506, Title VI, Section 611, Subsection A-D, I request the names and business addresses of each individual involved in verifying this account. This information will allow me to follow up appropriately.

Additionally, please provide me with an updated copy of my credit report once the reinvestigation is complete.

Thank you for your attention to this urgent matter.

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 2024-05-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I tried everything in my power to contact Bank Of America verifying the debt and paying off any amount of owed if so. They can not find the debt under my SSN. They can not even verify me as a customer. I can not reach anyone to pay of their debt after numerous attempts. 
I want this removed asap since I tried everything in my power to get this removed but no response from no one to work with me on this.

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 2024-05-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: HUNTINGTON NATIONAL BANK, THE
State: GA

Complaint narrative:
We received an annual escrow analysis/escrow account disclosure statement showing that our escrow payments would increase from {$2100.00} to {$2800.00}. I have spoken to associates on the phone on XX/XX/XXXX and XX/XX/XXXX to try to request information, as the projections on this disclosure show that taxes would be paid twice annually. This is not correct for our jurisdiction as taxes are only paid once, in XXXX, for both county and city taxes. I am concerned that this has caused an incorrect calculation for our payments, and such a sharp increase will cause financial strain on my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A.
State: CO

Complaint narrative:
On XX/XX/year> my mother and I visited PNC Bank in XXXX, CO to request assistance to close her brother 's bank account. We brought with us a bank statement, a CO Small Estate Affidavit and a death certificate from XXXX, where her brother had passed away. We worked with the branch manager who stated that the documents would need to be reviewed and he would call as soon as that was completed. I did not hear back from the manager and I had to call him on XX/XX/year>. At that time he informed us that an official translation of the death certificate would be necessary and that could be obtained from the consulate or embassy. After many phone calls and research, we discovered that this information was not correct, as consulates or embassies do not provided translation of official documents. My mother had to pay for an official translation of the death certificate and this was submitted to the bank on XX/XX/year>. During this time, the bank reversed a Social Security deposit, as it appears that a translated death certificate wasn't required for that action but also didn't negate the need for us to obtain one to close a bank account with a balance less than XXXX XXXX. Again, no one at the bank returned our phone messages or emails to request a status update. It wasn't until XX/XX/year>, when I went to the branch in XXXX, CO, in person and unannounced, that I received any answers. It was at that time that we were informed that the account had a Payable on Death beneficiary. PNC Bank required my mom to go through the time, effort and expense to obtain this official translation to then inform her five weeks later that there was a POD and she would be unable to close the account. In addition, the bank did not disclose the POD account status on any bank statement that it provided to my uncle throughout the time it was in place, as required by FDIC regulation. I believe that PNC Bank acted in a deceptive and unfair manner in asking my mother to go through this whole process of paying for and obtaining the documentation PNC Bank required only to be told at the end that she would be unable to close the account. I see absolutely no reason why they wouldn't have informed her of this at the beginning of the process. Not only was this horrible customer service, it also resulted in my mother having to pay for unnecessary expenses for a transaction that she was never going to be able to complete.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I made a purchase for {$110.00} on XX/XX/XXXX. I did not recognize the merchant on my bill and called Citibank to verify the merchant. I was told the charge was from the XXXX XXXX XXXX XXXX of Courts. I did not make a charge to the XXXX XXXX XXXX XXXX XXXX so I disputed the charge and the charge was credited to my account. After further investigation I determined that charge was actually to a wine merchant that I recallled making a purchase from. The original credit was made by Citibank on XX/XX/XXXX. The credit was reversed on XX/XX/XXXX after I notified Citibank that I acknowledged the charge and was dropping the dispute. The charge was reversed again on XX/XX/XXXX. I spoke with Citibank on multiple occasions about the double reverse charge and they acknowledged the double reverse and said my account would be credited. I spoke with XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX. All representatives acknowledged the double reverse and said my account would be credited. The {$110.00}. To date my account has not been credited. This problem is purely the result of customer service at Citibank

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 2024-05-18 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: CA

Complaint narrative:
I disagree with the account listed below, which still appears on my credit report after your investigation. I request an immediate reinvestigation of this item, as the inaccuracies are highly injurious to my credit score. 

Account Name : XXXX  XXXX Account Number : XXXX In accordance with the Fair Credit Reporting Act ( FCRA ), Public Law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above account, so that I may follow up.

Additionally, please send me an updated copy of my credit report after your reinvestigation.

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 2024-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
My name is XXXX XXXX. I sent a wire to title company on the date of XX/XX/XXXX. 
After a few hours I was told that it had been completed. Two days later however the receiving bank still has not received it. 
I spoke to MULTIPLE call agents, In the online banking department and in the fraud department to figure out what was going on. Absolutely No one informed me that my wire was being held up because I needed to verify my fathers identity. Not only his identity but his place of birth and nationality. Why? because his name was in the memo. Only my fathers name was flagged and not my husbands. My fathers name is XXXX XXXX and my husbands name is XXXX XXXX. I absolutely feel like it was held up due to the discrimination against my fathers name. 
I was on the phone with your customer service representative for over XXXX hours trying to figure out what was going on and all I was told was that it was completed. When I asked to be transferred to the wire department I was told that they would not take my call. So I hung up and immediately called them directly and thats when they informed me why it was being held. After 3 days of calling and XXXX hour long phone call NONE of your other representative told me this. ABSOLUTELY NONE. I went into the bank today to verify as i was advised to by your representative and AGAIN i was told the same issue that they have no idea what is going on and why. My funds still have not been released, They can not provide me with a Federal Reference number that I have requested MULTIPLE times. 
If I had been told by any of your representatives that the reason my wire was being held up was because I needed to verify my fathers identity and his immigration status I would have done it IMMEDIATELY. 
I was wiring funds to a title company. The fact that your company chose to hold my funds and flag my wire simply because of my fathers name is absolutely discrimination. There was absolutely no hold or verification needed for my husband whose name sounded white. But since my fathers name sounded XXXX it was held. 
Your customer service representative have been less then helpful and ive been given the run around for 3 days! 3! This is absolutely ridiculous. I was scheduled to close on my house XX/XX/XXXX and send the funds to close on XX/XX/XXXX! Had I known the reasoning behind why it would have been resolved the same day but absolutely NONE the customer representatives are on the same page and can tell me where my money is. Im told by one representative that its completed just to be told by the wire department that its flagged and I need to verify my fathers identity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Truest bank called to verify my application for a new credit card along with a cosigner. Cosigner was XXXX XXXX in XXXXXXXX XXXX I do not know this XXXX XXXX, and ask Truitt to cancel the application due to fraud. Truist cancels the card application due to fraud with a cancellation code of XXXX. They advised me to notify the CFPB Attempted fraud.

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 2024-05-18 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Comerica
State: CA

Complaint narrative:
On the XXXX of this month I went to a XXXX XXXX XXXX  ATM to withdrawal bill money from my Direct Express account. The ATM gave me an error message, didn't give me the {$60.00} I tried to withdrawal, but the money was still removed from my account. I went to XXXX XXXXXXXX XXXX at my earliest convenience and despite this happening at their ATM they told me I have to tell Direct Express to put my money back. Direct Express is being no help by putting hurdles up that are impossible to correct in time for them not to deny my claim. They don't have my correct address, phone number, or email. I did as the told me to and emailed my valid California ID from my only email address, and they sent me an error message claiming my ID that expires in XXXX was already expired. I'm only asking for money that is mine. It can't be legal for XXXX XXXX 's ATM, or Direct Express to steal {$60.00} of my fixed income from me. I don't know why both banks are making receiving my own money as hard as they can make it. The ATM even gave me a receipt for a withdrawal despite the ATM not giving me that money. Why wouldn't the machine print that error message so I had it in print? Why won't XXXX XXXX tell me they can't do anything, contact Direct Express? Why won't Direct Express put the money I never received back in my account? I'm being bullied by two banks who are going to get my phone shut off. I have nobody I can get help from, but I shouldn't have to get help to get my own money. Please help me because to them it's {$60.00}, but to me I can't default on my phone bill, and they're stealing from my XXXX. This is scary, wrong, and it's not fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 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: IL

Complaint narrative:
This inquiry is unauthorized and appears to be fraudulent ; I have no knowledge of these inquiries. Please take immediate action to address this issue. See the attached documents for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: AL

Complaint narrative:
I am requesting for Carrington for a payment deferment for my XX/XX/year> mortgage payment. I am experiencing a temporary financial hardship for this month with my light bill being hire then usually. Which will take away half my income which will make it unable to make my. XX/XX/year> mortgage payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 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: OH

Complaint narrative:
I did not initiate these inquiries and suspect them to be fraudulent. I request a thorough investigation and their prompt removal from my credit 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 non-monetary relief
Consumer complaint received 2024-05-18 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:
I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score and has been hurting my ability to obtain credit. I also need to refinance my vehicle because I am getting drowned by the interest rate. In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. If you can not provide this information delete this account immediately. Please send me an updated copy of my credit report after your reinvestigation. 


Account name : XXXX Account 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 2024-05-18 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: CA

Complaint narrative:
I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score and has been hurting my ability to obtain credit. I also need to refinance my vehicle because I am getting drowned by the interest rate. In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. If you can not provide this information delete this account immediately. Please send me an updated copy of my credit report after your reinvestigation. 


Account name : XXXX Account XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 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: IL

Complaint narrative:
I recently reviewed a copy of my credit report, I noticed that I had fraudulent accounts on my report. I am asking that you please remove the accounts above from my report, they are hurting my ability to obtain credit. I did not recognize them, I didn't authorize them, and they are being reported by a third party.

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