vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-18 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
hi, citi bank illegally hold up my company 's money for three months. At the beginning, the account was frozen and I was trying to recover this, after I confirmed with them the form was correctly filled out, and mailed to them. Citi said they delete my signature in their system, so they do not know how to verify it. 

They froze my company 's account illegally, and now refuse to recover the bank account unless I provide the company 's shareholder solution, which is irrelevant to the bank account. I asked citi to give me laws and regulations, why in order to recover my company bank account, I need to provide board resolution of the company 's parent company? they do not give me any laws/regulations. 

I can not pay my employees, my suppliers because of this, my employees sue me and my suppliers are chasing me. I had a huge financial and business loss, and citi do not care.

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 2023-08-18 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: MI

Complaint narrative:
I recently reviewed a copy of my credit report and was shocked to learn that I have been a victim of identity theft. There are numerous accounts that were not opened by me. This has been hurting me as I am in the process of buying a home for my family. Please remove these fraudulent accounts as soon as possible.

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 2023-08-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I received a copy of my consumer report recently after being denied an extension of credit due to reported late payments. Consumer reporting agencies have a duty under federal lawto report consumer information as accurately as possible. The items in this dispute have different information reporting across all bureaus which is a violation and not reporting 100 % accurate as required by law. I have never been late on payments for the account listed in this dispute. By law they must produce proof with statements proving that these payments were late as required. If they do not provide sufficient proof then this constitutes noncompliance and is a violation under 15 US Code 1681i ( e ).

I sent my initial letter to the credit reporting agency on XX/XX/2023 informing them that there was inaccurate information and that they had 30 days to do investigate per the FCRA and failed to investigate in the allowed time frame. I sent a demand to comply letter XX/XX/2023 informing the credit reporting agency that they failed to follow procedure and that I never received investigation results and they still refuse to investigate and send me results.

More than 60 days had passed so I drafted an affidavit of facts on XX/XX/2023 outlining all the violations they committed and sent to the CRA along with a CFPB complaint. The company responded via the CFBP complaint portal that they have 60 days to respond. It has been more than 90 days since my initial notice which is more then allowed under the FCRA. I am demanding the items in this dispute be removal immediately and my affidavit is rebutted as required under law now!!!!

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 2023-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have been waiting for 2 moths for my credit score and is still not coming up. Please fix this issue.

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 2023-08-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
When my home needed a new heat pump in XX/XX/2021, the contractor I selected offered XXXX months financing@ 9.9 % interest. I did not know where the financing was coming from. After paying Wells Fargo for several months ( $ XXXX on the credit limit of {$17000.00} ) I was made aware that I was eligible for 0 % interest. I research this offer from Wells Fargo, while they took back the monies given to the contractor. I told Wells Fargo on XXXX occasions, if the offer doesn't lower the $ XXXX or lower the origional debt of {$17000.00}, forget it. I'm not interested. I will stick with the origional agreement. Wells Fargo changed the terms of the agreement without deducting the 9.9 % interest all on their own, without my consent.

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 2023-08-18 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX  has confirmed medical account that is 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 2023-08-18 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: GA

Complaint narrative:
I got unauthorized inquiries on my report that has no purpose to be on my credit report 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting ogency 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 crimes which antedates the report by more than seven yeors.

15 U.S.C. 1681s-2 ( AJ ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable couse to believe that the information is ineccurate.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case XXXX XXXX  XXXX Inquiry XXXX XXXX, XXXX Removal XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX, XXXX Removal XXXX XXXX XXXXXXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX Removal XXXX XXXXXXXX XXXX XXXX Inquiry XXXX XXXX, XXXX Removal XXXX XXXX XXXX XXXXXXXX  Inquiry dateXXXX XXXX XXXXXXXX Removal XXXX XXXXXXXX XXXX XXXX Inquiry XXXX XXXX, XXXX Removal XXXX XXXXXXXX XXXX XXXX Inquiry XXXX XXXX, XXXX Removal XXXX XXXX XXXX XXXX Inquiry XXXX XXXX, XXXX Removal XXXX XXXXXXXX XXXX XXXX Inquiry dateXXXX XXXX XXXX Removal XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX, XXXX Removal XXXX XXXXXXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX, XXXX Removal XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX, XXXX Removal XXXX XXXXXXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX, XXXX Removal XXXX XXXXXXXX XXXX XXXX XXXX XXXX Inquiry XXXX  XXXX, XXXX Removal XXXX XXXX XXXX  XXXX XXXX XXXX Inquiry XXXX  XXXX, XXXX Removal XXXX XXXX XXXX XXXX Inquiry XXXX XXXX, XXXX Removal XXXX XXXX XXXX XXXX Inquiry XXXX XXXX, XXXX Removal XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX, XXXX Removal XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX, XXXX Removal 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 2023-08-18 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: VA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 2023-08-18 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: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
This is my complaint to TRUIST BANK for taking no action on correcting and removing the fraudulent account that is still reflected on my credit report and continue to damage my reputation. I sent out several dispute letters but until this time no further action has been taken. I have attached my FTC report with report number XXXX. I was expecting that they will be reporting accurate information on my file but it seems they are not.

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 2023-08-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
a auto loan was opened through capital one without my knowledge in my name for {$26000.00} on XX/XX/2018. i called called capital one and asked for it to be removed from my credit report when i found out about it but they did nothing so i filed a claim with the FTC ref number XXXX and am asking for it to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/XXXX, I started a loan application with US Bank for a fixed XXXX mortgage. 

On XX/XX/XXXX, I was provided disclosures for loan. 

On XX/XX/XXXX, the processor XXXX XXXX reached out to me regarding some items required, in addition to everything I'd already uploaded. 

On XX/XX/XXXX and XX/XX/XXXX, I was asked for additional items, which I provided. 

On XX/XX/XXXX, I was asked for a mortgage statement, that I'd previously provided. 

I didn't hear anything again until XX/XX/XXXX, where I was sent an adverse notice of action denying my loan due to " high DTI ''. 

I know how to calculate DTI, and my own calculations put me well under any threshold they may have, so I'd like to see the calculations for my Debt, and for my Income. If US Bank thinks my DTI is too high, they must have made these calculations, so I'd like to see them, as they were not provided to me in any medium. 

I was not given any opportunity to discuss or find a resolution, the loan was simply sent for denial which is suspicious, as it hints that US Bank never had an interest or intention to lend the money. Otherwise, they would have suggested getting a co-signer or possibly borrowing less money.

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 2023-08-18 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: EQUIFAX, INC.
State: SC

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 XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 crimes 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-18 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CREDIT ACCEPTANCE CORPORATION
State: VA

Complaint narrative:
The car was a mess and broke down on me regularly. I ended up being laid off because of XXXX. I was unable to make the payments. I have not received anything from his company about the debt and I was garnished for the first time today XX/XX/2023 I had no notice of the garnishment by the company or my employer. I called the collection agency to try and make payment arrangements and they would not. Today {$280.00} was taken from my check and I owe a total of {$5800.00}. I can not afford to have this amount of money. Come out of my check every pay period.

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 2023-08-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: FinCo Services Inc DBA Current
State: OH

Complaint narrative:
The checking account had {$560.00} on Friday XX/XX/2023 when I received the notice of involuntary closure on the checking account. Since XX/XX/2023 Ive contacted the bank every day to get an update on when I should receive a refund for the remaining balance in my closed checking account. Ive been given the run around, the bank agents stated you will receive the refund in 3-5 business days however its been well over 3-5 business. Every time I call to get answers they repeat the same 3-5 business days response, or they would hang up on the call. I would request to speak to a supervisor for better assistance, they would refuse to get a supervisor on the call and hang up the phone. I have recordings of all phone conversations Ive had with this bank since they closed my account for odd reasons. I also have emails to them, they never replied to. I was told that I would be contacted by someone ( fraud team and supervisor ) no one contacted me. This bank ( Current Bank or XXXX XXXX XXXX ) has not made any efforts to resolve this matter, they had not made any effort to refund the remaining fund in the account that was closed on XX/XX/2023. Todays date is XX/XX/2023 and I have not received any correspondence from the bank regarding an update on the refund of {$560.00}. When I contacted the bank I received the same message every time. I didnt receive any assistance or valid information for this claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX XXXX  # XXXX - IDENTITY THEFT 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 crimes 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 of 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 2023-08-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: MN

Complaint narrative:
For many months I have been receiving my credit card account statement with a box in the upper right corner in large font that reads " Cash Back Rewards This Period : _______ ''. The blank line reads the month and year of the statement, such as XX/XX/2023. And then a dollar amount is given. 

When I looked for that exact dollar amount as a deposit into my bank account, I found out that it was about half of what my statement said. When I called and spoke to many representatives I was informed that the amount written in the box at the top of the statement was for XXXX months, not just XXXX. 

This is not only misleading, it is a lie. It leads the customer to believe that they are making twice the cash back that they actually are! When I called them to ask why this was, they had no answer, and said that they would raise the issue with their higher-ups. 

If the text box says " Cash Back Rewards This period XX/XX/2023 '', the amount in the box should only be what was earned in XXXX. Not XXXX AND XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
The first week of XXXX, I dropped off the mail in a mailbox outside the XXXX XXXX located at XXXX XXXX XXXX, XXXX XXXX After a couple of weeks, I realized the water company did not receive my payment. I went to the Wells Fargo Bank XXXX XXXX XXXX in XXXX PA to stop payment on the check on XX/XX/2023. On XX/XX/XXXX I got a notification on my telephone for me to verify a check and the amount of {$7100.00}. After viewing this notification, I went straight to the bank to notify them that I did not write this check which was fraudulent. I also reminded them that this check was processed at Wells Fargo as a stop payment on XX/XX/XXXX. A claimed was filed that day and an affidavit form was filled out a few days later. On the Wells Fargo website, it states that claims should be resolved in 10 days or less. However, Wells Fargo branch manager told me the case would be resolved in 90-120 days and there was nothing she can do. I have contacted the claims office numerous times, but they could not tell me anything and it could take up to 4 months. Once I received a copy of the check, I was able to view the front and back of the check which shows the check was altered and the name on the front of the check does not match the signature on the back of the check. It is not acceptable to wait four months for my funds to be returned when Wells Fargo was negligent in processing the check since I stopped the payment processing a month prior to the incident. Also, the teller continued to process the check even though it was clearly altered ; and the payable name does not match the signature on the back of the check. I very upset and can not afford to wait four months for my funds to be returned especially since it is their negligence as to why the check was processed in the first place.

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 2023-08-18 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: FL

Complaint narrative:
Thank you for hearing my compliant for this is my second attempt to resolve this matter with TransUnion... .I am a senior citizen that lives on a fix income and for some reason this company has reported a account that i had never opened...... I have all satisfactory accounts on my credit reports...... I feel that i am being taken advantage of and also being discriminated as a XXXX american women ... .My next action will be take civil action for this can be very expensive for me but atleast i will have fair treatment ... ..Please help me because the other credit agency have resolve this matter in a timely 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 explanation