vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-06 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: MO

Complaint narrative:
Over 20 complaints today Experian has work on and resolved nothing for going on 2 year AS REQUESTED FORWARDED TO F.T.C AND D.O.J

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 2024-02-06 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: FL

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. I have provided supporting documents for your review.

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 2024-02-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: ALLY FINANCIAL INC.
State: NE

Complaint narrative:
I applied for a XXXX  year mortgage with XXXX by Ally on XX/XX/XXXX. They replied within XXXX hours that I was pre-approved for what they call their XXXX XXXX ' Mortgage. Then they said I needed to pay for an appraisal and they wanted XXXX XXXX for it. I told them XXXX XXXX for a residential appraisal is very high. They said it will probably only cost {$500.00} but they wanted to be on the safe side.The appraisal came in higher than expected. My XXXX said the loan processor ( XXXX ) would start preparing my loan closing docs. She said that rates had decreased so I can get a rate of 6.5 % .A few days went by and then my XXXX ( XXXX XXXX said my loan request was denied because of my new job. She said her manager recommended i submit a new application with my XXXX XXXX information and that we only include our Social Security income. I submitted the new app on XX/XX/XXXX. They took a couple of days to reply that the new app was pre-approved. Today, XXXX called me to say the rates have gone up and now to get a rate with no points the rate will be 7 %. Now XXXX by Ally is asking for a bunch of new information.

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 2024-02-06 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: CO

Complaint narrative:
I purchased a gift card months ago ( XXXX, XXXX I believe ) from XXXX XXXX grocery store. This is a prepaid XXXXXXXX XXXX XXXX  ) for {$100.00}. I tried to use the card in the store immediately after the transaction, but it was denied. I've never had a problem doing this in the past but I was told by the store clerk that everything looked good and that I would just have to wait XXXX minutes for activation. I then registered the card online as instructed, before placing an order on XXXX. The transaction was declined as well. So I called the number on the back of the card and they told me that the card was cancelled citing fraud! After verifying my receipt & that my purchase was valid, The customer service rep pointed me to a website and told me I needed to upload my driver 's license to prove I was a real person, and so I did. 

Several weeks go by and there is no contact, so I call them back for a status update. They then tell me that I need to upload a copy of the giftcard alongside the copy of my driver 's license, front and back for both. I attempted to do this on the site again as instructed but because I had already submitted documentation for the card/dispute in question, I was unable to add additional documentation to the ticket. The customer service rep was unable to assist me any further and insisted that I send the requested copies via FAX or USPS snail mail. I opted to send the documents via XXXX on XX/XX/year> and verified SEVERAL times that I had the correct address before sending them out! 

I waited XXXX weeks to reach back out to customer service. They are now telling me that they never received the requested documentation and are unable to help me until they do. I have had several other calls intermittently throughout these months and no one can assist me. I feel strongly that this is a scam to simply take people 's money who are simply unwilling or unable to take them to task. I have done everything they have asked of me, multiple times, and they are still holding my money XXXX! Please help

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 2024-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
In my credit history there are three accounts that I XXXX XXXX XXXX would like to draw your attention to. These accounts have or contain false or missing information and I would like them removed from the credit history. 

The first of them is XXXX XXXXXXXX XXXX account number is XXXX and has a Date Closed XX/XX/XXXX which is False. A Date Opened XX/XX/XXXX which is also False. Also the total information of my payment history is absent or missing. Is this 100 % accurate as FCRA says. I don't think so. I understand that if we follow the law, this account has already been verified and updated many times and it continues to appear that it does not comply with FCRA. This account should be removed please. 

The second is XXXX XXXXXXXX XXXX Account number is XXXX. Total information on my payment history is absent or missing. Is this 100 % accurate as FCRA says. I don't think so. I understand that if we follow the law, this account has already been verified and updated many times and it continues to appear that it does not comply with FCRA. This account should be removed please. 

The third is XXXX XXXXXXXX XXXX account number is XXXX the total information on my payment history I never presented a history of arrears that would lead the account to be thrown into Charge off. It was simply Charge off because it seemed that way to them. I understand that before going to Charge off There must be delays of 30,60,90,120 days. That never happened. This account should be removed from my credit history. 


My entire financial life is in a tremendous crisis due to these accounts that this company maintains in my credit. I am already desperate with this 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 2024-02-06 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: MS

Complaint narrative:
It is crucial to note that I did not give permission for these accounts, and their presence is causing me substantial distress. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your prompt attention to and resolution of this matter are sincerely appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This is my refiling complaint to EXPERIAN for still allowing inaccurate information and fraudulent accounts on my credit report. As I checked my recent credit report, the inaccurate information and fraudulent accounts are still reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report 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 2024-02-06 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: IL

Complaint narrative:
I am filing a formal complaint regarding identity theft that has adversely affected my financial well-being. I believe I am a victim of identity theft, and I am seeking your assistance in addressing and rectifying the fraudulent activities associated with my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I am writing to express my concern and seek immediate clarification regarding an issue with my business checking account at Capital One. On XX/XX/2024, I transferred {$7400.00} from my external bank business checking account to my Capital One business checking account. Despite the funds being credited on the same day, as of XX/XX/2024, my available balance remains incorrectly at XXXX. 

Upon noticing this discrepancy, I contacted your customer support line and was directed to your security team, where I spoke with an employee named XXXX ( ID : XXXX ). XXXX informed me that my funds were on hold due to a need for additional information. However, she was unable to specify the information required or provide a satisfactory explanation for the hold. Despite my inquiries, the only resolution offered was that the funds would be unavailable until XX/XX/XXXX. Upon further discussion, XXXX then stated the funds could be released immediately, a response that was both confusing and contradictory. 

This unexplained and seemingly arbitrary hold on my funds is not only perplexing but has also resulted in a rejected payment due to insufficient funds, directly impacting my business operations. The lack of clear communication and justification for these actions is unacceptable. 

I request an immediate review of my account and a detailed explanation for the hold on my funds. It is critical to resolve this matter swiftly to avoid further inconvenience and potential damage to my business. 

Thank you for your attention to this urgent matter. I look forward to your prompt response and resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: WA

Complaint narrative:
New Rez incorrectly charged us for Lender Placed Insurance. It took months and repeated calls to get that corrected. This was partly due to strange policy that emails are only opened if you are on the phone with service agent!!! Finally resolved but New Rez still wants payments for the now-cancelled lender placed insurance for XXXX and XXXX Each month I call and each month I am told they will need to run a new escrow analysis. The analysis takes at least XXXX days so it never gets completed by the next billing cycle. I can not get this issue resolved with New Rez and hope you can be of assistance. As of today, they want a payment of {$770.00}. They say it will be refunded at the end of the calendar year. This is crazy. I am a retired actuary and have never seen such poor customer service in the financial industry.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 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: MO

Complaint narrative:
Still lying about still working on the issue THEY WORK ON NOTHING AS REQUESTED FORWARDED TO F.T.C AND D.O.J

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 2024-02-06 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: TX

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2024-02-06 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: TX

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2024-02-06 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:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-06 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: PA

Complaint narrative:
AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY, THE CREDIT REPORTING AGENCIES VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISHED INFORMATION WITHOUT MY CONSENT, INCLUDING THE REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED  Account Name : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/year> XXXXXXXX XXXX Date of inquiry : XX/XX/year> XXXX XXXX  Date of inquiry : XX/XX/year> XXXX Date of inquiry : XX/XX/year>XXXX XXXX XXXX Date of inquiry : XX/XX/year>

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 2024-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Skrill USA, Inc.
State: CO

Complaint narrative:
On XX/XX/2024 I opened an account with Skrill for the first time. It's a checking account that offers a physical card and a virtual debit card only when you make your first deposit. at the time I deposited {$1.00} to the account so I could order my card, they pulled the money from my account but it never hit as a positive balance and it never credited back to the original account it came from. Then when I did get a deposit in my other bank account on XX/XX/XXXX and transferred it over to Skrill, they immediately restricted my account for absolutely no apparent reason, and minutes to follow I received an email of them closing my account. I had to wait until the next business day to call and when I spoke to th rep, all he said is they decided to do an audit and my account was flagged as going against their terms and conditions and they chose to close my account. He refused to let me know what terms I violated saying that they can't disclose this information. I asked him why it was open for two weeks with them rewarding me with increases etc, but the very moment I deposit money into my account they decide to restrict it and close it..I asked how I violated their terms and conditions simply depositing money. And he couldnt answer me..I 've attached screenshots of the emails and transactions into that account..it 's like they just waited to take money just to make it difficult to get back..I 'd like to get my money available for use on Skrill, or immediately refunded back to my card it came from with immediate use. This is ridiculous and without jumping through their hoops. This is insane to wait until a deposit is made and instead of denying the deposit, they take it from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 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: MO

Complaint narrative:
Another lie from this predatory company and as usual experian address nothing resolved nothing AS REQUESTED FORWARDED TO F.T.C AND D.O.J

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 2024-02-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: BMO BANK NATIONAL ASSOCIATION
State: MA

Complaint narrative:
My name is XXXX XXXX. I am the XXXX  of and appointed representative for my aunt XXXX XXXX. XXXX passed on XX/XX/2023. She had an account with BMO and I have been unable to get these funds released. She had passed before the letter of appointment was sent but I believe an escheatment letter should have been sent to her address on file. The bank has withdrawn the funds in this account on XX/XX/XXXX and they are not showing up on my state treasury as funds so I'm not sure where the money is. BMO has been no help, there is no estate division I am able to reach or anyone willing to give me any information.

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 2024-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: PNC Bank N.A.
State: IN

Complaint narrative:
XXXX XXXX I opened a checking account with PNC and it was a joint account and on XXXX XXXX it was closed after the other account holder passed away. I did not have it closed and the funds that was in the joint account XXXX I never received. After the passing of the other joint holder he left me savings, money market account his estate checking account that as well I never received XXXX. A the home we was living in was mortgaged through PNC I had to leave my home leaving me homeless along with other personal property.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I opened a case with you in XXXX. Citibank is indicating because a chip and pin was used for a ATM advance, I am responsible for a {$480.00} which I did not receive funds. I did attempt the ATM machine in the hotel ; however, it didn't dispense and was inoperable. The charge in question was XX/XX/XXXX, and I departed Arizona on XX/XX/XXXX. I have proof that I was in Maryland the afternoon of XX/XX/XXXX and the rest of that month. Citibank sent you a notice indicating that they would look into it, and an investigator phoned me which is when you CLOSED the case. I asked them to inquire with the ATM company to verify the machine was inoperable during my stay. Now the amount is showing due on my account once again, no one has contacted me since, and I am now opening another case in order to get this sorted out. 

Please do not close my case until this is resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 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: IL

Complaint narrative:
It is crucial to note that I did not give permission for these accounts, and their presence is causing me substantial distress. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your prompt attention to and resolution of this matter are sincerely appreciated.

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