vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-21 00:00:00
Product: Credit card or prepaid 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: CA

Complaint narrative:
On XX/XX/XXXX I used my CitiCard to purchase a series of flights. Within a day, I found out I had been defrauded by an entity claiming to be XXXX XXXX ( they had cloned the website, but had a different phone number ). I notified CitiCard immediately to cancel the transactions, which they did. Then I found out that 2 of the flights that the defrauders had 'scheduled ' actually were real, i.e. they scheduled 2 real flights- the rest were bogus. I have since found out this is a known scam which utilizes resale organizations ( see XXXX ). I contacted CitiCard to cancel the fraud alert for those 2. Over the next several months, CitiCard charged me for all of the flights, sometimes doubly. Frequent calls to them could not resolved the issues - their phonelines had very poor quality ( XXXX? ) and none of my written correspondences were answered. In XXXX, XXXX I canceled the card and continued to try to resolve the dispute. I paid the balance while the dispute was ongoing so I wouldn't accrue late fees or interest charges. Their only written response is to say that the charges are valid because I authorized them. In XX/XX/XXXX I started receiving robocalls from them that I had an overdue balance. It was from an erroneous charge by XXXX XXXX to renew my membership. That problem took another 2 months to resolve and I again asked them to close the account. Now they are asking for another {$520.00} related to the original fraud issue saying the charge is valid. I was never able to use either of the valid tickets, since CitiBank canceled the transactions, so I got stuck in a city far from home and had to pay a significant amount just to get home. 

CitiBank never investigated my claim- the fraudulent phone number and website info would have confirmed my claim. They never provided me with the true identity of the fraudsters which would have allowed me to open an investigation with the FTC, DOT, or FBI.

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 2023-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I would like for Transunion to update my current address and remove all old addresses from my profile.

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 2023-07-21 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: Continental Finance Company, LLC
State: OH

Complaint narrative:
I had been charged and paid for Credit protection on my Verve credit card and they sent me to collections without giving me the opportunity to use my credit protection during my job loss. This is what the credit protection was for. This has caused my account to go into collections and to a lawyer.

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 2023-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Hello I sent a letter regarding inaccurate and unknown things on my credit report to this day over 92 days ago on XX/XX/2023. I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Being it has been so long without a response I would like for the items to be removed from my credit report. These accounts are adversely affecting my credit report and costing me XXXX  of dollars in interest every day and it has been over 90 days so they should be deleted promptly. The accounts, credit reporting and items in question are inaccurate and incorrect and should not be on my credit report because they are not accurate and do not reflect the correct 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 non-monetary relief
Consumer complaint received 2023-07-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
I was scammed out of {$500.00} from an individual claiming to be a mechanic for an auto body shop. My friend had backed into someone in a parking lot of a motel. This person said he would handle it for the said amount. Tuns out this person just took the money and ran. I had transferred the funds from my cash app account. I had made a refund request but cash app said that they can't do anything til transaction was completed. But I received a message saying that the transfer was complete and they couldn't do anything else there of.Now just what went wrong here I'm really confused. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Atlanticus Services Corporation
State: TX

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing this formal complaint to bring to your attention a distressing incident involving the unauthorized opening of a credit card account in my name. The purpose of this complaint is to seek your immediate intervention and assistance in resolving this matter, which has adversely affected my credit score. 

On XXXX, XXXX, XXXX, I discovered that a credit card account was established in my name with Fortiva Credit Card, without any form of authorization from me. I immediately reached out to the credit card company and was given the runaround. The Fortiva rep acknowledged they had not received my consent but refused to delete the credit card and remove the unauthorized credit card from my credit report. 

I must emphasize that I had no prior knowledge of, nor did I provide any consent for, the creation of this credit card account. Initially, I had a loan ( line of {$4000.00} ) with Fortiva, NOT a credit card. After making faithful payments on time, Fortiva decided to illegally issue me a credit card without my consent. 

This unauthorized action has negatively impacted my credit score, as the card is recorded as a new account with no credit history ( despite making payments for 1.5 years ) and a new low credit limit of {$2000.00}, thereby negatively impacting my credit utilization on the account. 

I believe that the unauthorized opening of a credit card account in my name constitutes a serious violation of consumer rights and the Fair Credit Reporting Act ( FCRA ). As a responsible and law-abiding consumer, I have diligently managed my credit and maintained a positive credit history. The unauthorized account created in my name has blemished my financial reputation through no fault of my own, and this issue must be rectified promptly. 

I trust that the Consumer Financial Protection Bureau will take my complaint seriously and act diligently to protect consumers like me from such unscrupulous practices. I request that you keep me informed about the progress of the investigation and resolution of this matter. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution and your assurances that appropriate measures will be taken to prevent similar incidents in the future. 

Additionally, I've filed a fraud complaint with XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
This is the 2nd time I am registering this complaint. As in XX/XX/, when I first registered this complaint, JPMorgan Chase continues to default my banking statement settings to paperless. I have reset the settings to receive a paper statement on multiple occasions, but to no avail. The most recent incident of Chase resetting my account statements to paperless WITHOUT MY CONSENT occurred today, XX/XX/. I received a notification that ALL of my chase accounts had been changed to paperless WITHOUT MY COnsent. statements for any of my savings or checking. I would like your assistance in looking into this matter. My not receiving a paper statement, despite my request to continue to have them mail them to me on a monthly basis, is impacting my ability to monitor my finances and to make informed decisions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21 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: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written 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 2023-07-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I received an ALREADY ACTIVATED credit card from Citibank through their Home Depot advertising -- after I have already told Home Depot to not send me any thing like this and cut up their previous card in front of them. Home Depot stated that they cancelled my card last time and removed my info from their records. XXXX, Citibank supervisor in Idaho, states that Home Depot could not have done this. So, Home Depot lied. When I got this mailed second card, I FINALLY got this second card cancelled today, after 45 minutes of their phone reps hanging up on me. I did not ask for a credit card. I did not fill out info from Home Depot to receive a credit card. This action by Citicard and Home Depot messes with my credit score and my personal financial 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 2023-07-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
We have a loan with EnerBank USA ( owed by Regions Bank ) to finance the purchase of new windows for our house. This is a 7 year, 0 % interest loan which we have been paying through auto-pay since the inception of the loan in XX/XX/XXXX. While reviewing our checking account statement today, we noticed that they withdrew our payment amount of {$350.00} twice, once on XX/XX/XXXX and again on XX/XX/XXXX. 
I called EnerBank to question the charge, and they informed me that they were aware of issues with their auto-pay, but we had not received any communication from them that this issue was taking place. I was told that even though the issue was on their side, I was still going to have to go through a refund request process which includes me writing a letter to them to request the payment be refunded to me and sending them a screen-shot of my bank statement to show that the payments had cleared and that we had a positive balance after the money came out. This makes no sense at all because when we log into our EnerBank account website, it clearly shows both payments have been credited to our account. 
At this point, I asked what agency oversees them so I could file a compliant. The representative laughed, and told me that I could report it to the XXXX XXXX XXXX. This is obviously ridiculous because the XXXX  has no regulatory authority whatsoever. It seems fishy that a representative of the bank would not know what their regulatory agency is.

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 2023-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX Account Number : XXXX Please remove it 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 2023-07-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
After being activated with the Florida XXXX XXXX XXXX in response to the COVID-19 pandemic I saw a 50 % decrease in income while also going through a divorce. I filed for relief under the CARES ACT. 
- On XX/XX/XXXX, I signed the enclosed modification agreement for a partial claim with the VA. Payments were due to resume the following month, on XX/XX/XXXX. This is the second time modification paperwork was filed ; the first dates to XXXX of the previous year. The first modification did not get approved by the VA because Wells Fargo had the wrong address, but still recorded it with the county. Through several calls and hours of personal time taken to call Wells Fargo asking if/when it was safe to resume payments, I contacted the VA to gather additional information. This is where I learned that the original XXXX paperwork still needs to be filed with the state, never approved/signed off by the VA. Our house had gone up for sale as my soon-to-be ex and I agreed to sell the home tied to this loan as part of our divorce process. The house sold and was closed on quickly ( XX/XX/XXXX ), On XX/XX/XXXX, the enclosed payoff letter was obtained through Wells Fargo. The mortgage portion of the payoff due to Wells Fargo was {$250000.00}. That, plus the amount due to pay off the VA partial claim, totaled {$260000.00} to pay off all liens on the property. The closing took place on XX/XX/XXXX. The total payoff was wired to Wells Fargo on XX/XX/XXXX, and the loan reflected as PAID IN FULL. All of this leads to the reason for the complaint. I went under contract to purchase a new home. I had obtained pre-approval before the account was reported as paid to the credit bureaus. My loan officer told me that once Wells Fargo zeroed out with the bureaus, shed update the credit to reflect the account being paid in full. On XX/XX/XXXX, my credit was updated, and the mortgage with Wells Fargo showed a late marker that varied with each bureau. XXXX reported the MOP code XXXX, 180 days or more past due for XXXX. XXXX reported the MOP code XXXX, account is at least 120 days overdue but is not yet rated XXXX. XXXX reported the MOP code XXXX, 120 days or more past the due date. This has now disqualified me from my mortgage and jeopardized my deposit. The VA partial claim information on the VAs website said that the partial claim has no impact on my credit. 

XXXX XXXX XXXX the wrong address on the first Modification paperwork, but still recorded the lien on behalf of the VA XXXX without the approval of the VA XXXX 
XXXX XXXX XXXX not remove the erroneous lien after discovering the error. They have now, but after countless hours and calls from me. 
XXXX XXXX XXXX XXXX & XX/XX/XXXX late when the home closed on XX/XX/XXXX, and were paid in full 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 2023-07-21 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: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Wells Fargo utilized personal factors ( discriminated because of identity & last name tied to information from 10 years ago ) but company claims it couldn't verify my identity & " decided that they wouldn't allow me to open an account '' both in XXXX, XXXX XXXX & XXXX respectively

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 2023-07-21 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
My wife and I acquired a timeshare with XXXX XXXX XXXX which was paid regularly each month since XXXX when the timeshare was acquired. 
Although my family and I were not able to use the timeshare throughout the COVID 19 period since XXXX, I continued to pay my installments through my bank as promised. Between XXXX and XX/XX/XXXX, to the pandemic and loss of family members, I made some calls to XXXX XXXX XXXX during which I had a conversation with XXXX agents, letting the know that my entire family was infected with XXXX and to defer payment until I was able resume payment. XXXX recorded all my calls. My understanding during was that XXXX would be supportive and freeze my payment until I was able to make payments. XXXX reported my account to the credit reporting agency as late. I have made multiple calls to XXXX were they transfer me from one answering agent to another, while refusing to bring the issue to their leadership team for discussion in order to remove the late charges from my record. This is now a serious matter affecting the relocation of my family to a state a home purchase loan approval, despite the fact that I am about to sell my home and pay off the balance I owe to XXXX XXXX XXXX. I want Equifax to review my credit history and evaluate my payments with XXXX since XXXX, and my late payments only occurred from XX/XX/XXXX, they should remove these from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21 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: TX

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. 
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 2023-07-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/2023 - made payment of {$8000.00} Called on XX/XX/2023 to update to payment of {$800.00} On XX/XX/2023 USAA updated account to show ADJUSTMENT-PAYMENTS - {$8000.00} On XX/XX/2023 USAA *FINANCE CHARGE* PREV CYCLE PURCHASES - {$57.00} Finance charge is back-interest they are charging me on the {$8000.00} to current date Adjustment payment is the adjustment of {$8000.00} back onto my account. I have not received the money back ( XX/XX/2023 ). They sent a letter stating a check was sent on XX/XX/XXXX. 

1 ) They are refusing to remove back-interest charges, even though they processed and have my payment of {$8000.00} ( as of XX/XX/XXXX ). 

2 ) They are refusing to update the statement to remove the {$8000.00} " ADJUSTMENT-PAYMENTS '' until I receive and cash the check. 

I should not pay interest or back interest on money that has been out of my account since the payment processed on XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation