vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Someone from citibank official phone number contacted me and advised me my account was effected and scammed over XXXX from my account. I have nothing now with kids to raise. They opened a dispute but are making me wait for denial/approval. Why would i not be approved when i was robbed for every dollar. i need help : (

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-13 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
THIS IS MY 2ND ATTEMPT TO RESOLVE THIS MATTER WITH EXPERIAN WHO RECENTLY CLOSED A COMPLAINT STATING IT WAS A DUPLICATE COMPLAINT WHICH WAS FALSE INFORMATION BECAUSE EXPERIAN, XXXX and XXXX DID NOT CLEARLY READ THE COMPLAINT THOROUGHLY. DEAR EXPERAIN***** PLEASE READ THIS TIME*** ACCOUNTS SHOWING AS A CHARGEOFF SHOULD NOT SHOW ANY BALANCES***** Despite Experian, XXXX and XXXX has refused to remove these fraud related accounts after receiving an overwhelming amount of supporting documentation, it has come to my attention that these accounts are currently reporting inaccurate or wrong information and must be deleted from credit file immediately in accordance to the Fair Credit Reporting Act. Account XXXX XXXX XXXX XXXX XXXX shows balance of {$2500.00} as of XX/XX/2022. Account XXXX shows a balance of {$1600.00}. The Account XXXX XXXX has a balance showing {$690.00} as of XX/XX/2022. The Account XXXX XXXX XXXX shows a balance of {$1600.00} as of XX/XX/2022 and The Account XXXX XXXX XXXX a balance of {$11000.00} as of XXXXThese Accounts are currently appearing on my credit due inaccuracies but for some reason Experian, XXXX and XXXX XXXX to report these inaccurate balances on my credit file and is a clear violation of the Fair Credit Reporting Act. I am aware and read the FCRA laws which these reporting agencies have broken.

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 2022-12-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Continental Services Group, Inc. d/b/a ConServe
State: GA

Complaint narrative:
Conserve collector, charge me an amount of {$6800.00}, account date shows on my record is XX/XX/2022, creditor info : Conserve XXXX Cross keys office PA XXXX, NY XXXX contact : XXXX This was a setup and the act of hatred no evidence or prove of owning such amount of money because they have my SSN number that why they did this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 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: TX

Complaint narrative:
I HAVE BEE THE VICTIM OF IDENTITY THEFT THE ACCOUNTS ARE BELOW. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
To Whom It May Concern : I recently received a copy of my XXXX credit report, and I noticed some late payments posted on my credit report : XXXX  XXXX  company is in clear violation of the law. Under 15 USC 16816 - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly States : ( 2 ) EXCLUSIONS -Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the 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 2022-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
To Whom It May Concern : I recently received a copy of my XXXX credit report, and I noticed some late payments posted on my credit report : XXXX  XXXX company is in clear violation of the law. Under 15 USC 16816 - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly States : ( 2 ) EXCLUSIONS -Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: DISCOVER BANK
State: AZ

Complaint narrative:
I sent XXXX XXXX to Discover Secured credit card to establish credit. They Never opened me an account and claimed they could not verify my information and took my XXXX for 3 months before giving it back in the form of a check. They are reporting a closed account that they never opened. I have challenged this on my credit report as it is impacting my report negatively.This was done to my husband as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/2022 I find out I have been a victim on an internet wire transfer. The scammer/hacker intercept a closing and provide wrong wire instruction and money went into a Bank of America account XXXX This was wrongfully wired to a domestic account with Bank of America. Since the discovery of this, XXXX XXXX  has filed a XXXX recall, XXXX against Bank of America for a recall. It's been pass XXXX days and Bank of America has only been responding the case is still under investigation and no additional information has been provided. Both XXXX XXXX XXXX and Bank of America are ignoring to further investigate into this case. Both party are denying information to me. XXXX XXXX from Bank of America responded to the first complaint by stating they will open a new internal case and ask me to provide a copy of the wire transfer and I did back in XX/XX/2022. When I called back to get more information about the case, she stated she has no further information and can not disclose any information regarding the status or when will the case investigation be over. XXXX XXXX at XXXX x XXXX XXXX XXXX from XXXX XXXX XXXX Bank has not responded to my inquiry on the status of recover the fraud wire. When I contact XXXX XXXX XXXX Bank to follow up, XXXX XXXX say XXXX XXXX and their representative did not contact them or respond to the inquiry. Bank of America have ignore and left the case as opening and refuse to cooperate with XXXX XXXX XXXX Bank to resolve this. How can the public trust and be protected if both these big financial institute refuse to resolve client 's issue in dealing with a domestic account? Why is Bank of America allow to not respond to XXXX XXXX XXXX on a domestic wire transfer fraud and leave the case in open for months?

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 2022-12-13 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: IL

Complaint narrative:
I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous times.

I demand the accounts listed below remove because According to 15 USC 1681 : I have a right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: NJ

Complaint narrative:
LexisNexis Risk Solutions has failed to remove the bankruptcy off my consumer credit report. On multiple occasions I emailed and sent letters via the united states postal service requesting that they provide proof that the bankruptcy listed on my lexis nexis report is accurate and to provide some sort of documentation from the direct federal court house or even a wet signature. Each time Lexis Nexis failed to do a proper investigation. I called the federal court house and confirmed that they are not enrolled or subscribed to any credit agencies to report data but yet lexis nexis without my consent reports this and shares this information to the major 3 credit agencies which is a direct violation of my federal consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
CHARGED OFF ACCOUNT ( not bankruptcy account ) XX/XX/XXXX Navy FCU withdrew {$1400.00} from my savings account for a " disputed '' debt ( late fees and interest on late fees ) NFCU charged off. Navy FCU did not contact me prior to withdrawing the money. I became aware of the withdrawal when I received a letter a letter thanking me for paying off the account. 

When I contacted Navy FCU 's collection department I was told that the money was in the account and I owed it. 

Below is a screenshot from my account showing the withdrawal : XX/XX/XXXX SAV ADJUSTMENT XXXX XXXX XXXX - {$1400.00} Below is a screenshot from Navy FCU credit score dashboard showing the charge off : Account Charged Off XX/XX/XXXX An account has been identified as Charged Off. This account was either charged off as a loss by the company with whom you had credit, or that the account was sent to a collection agency for payment. 
Subscriber Name NAVY FCU New Charge Off Date XX/XX/XXXX https : //www.creditviewdashboard.com/cvd/ # /alerts I disputed the account and refused to pay because Navy FCU WOULD NOT acknowled that charging interest on late fees is illegal ( not disclosed on loan disclosure ) and WOULD NOT give me a breakdown of the late charges total and the interest total so I could pay the late charges. I filed a complaint with CFPB but CFPB did not investigage this fees violation and just sent me Navy FCU 's response to the complaint. CFPB did not request Navy FCU to respond to my request for the breakdown. I do know that in mortgage lending it is illegal to STACK FEES. 

I'm am hopeful this NEW complaint will be investigated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
15 U.S.C. 1681 section 602 A. states I have the privacy!!!!!!

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency connot furnish a account without my written instruction. 

consumer reporting agency is also supposed to do a proper investigation to see if the debt is mines by interviewing my jobs and neighbor which they failed to do. Putting in XXXX XXXX software to the other agency to come back verified is not the proper way in law to do.

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 2022-12-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
Wells Fargo Bank XXXX XXXX XXXX XXXX has allowed my solely owned checking account to be as my bank statement important disclosure from XX/XX/XXXX, sated " effective XXXX XXXX, the following information will be incorporated into the " Depositing Funds '' ( i.e. meaning my solely owned checking account which had debit card, online acess to be used on a joint checking account with my mother ). I do want to state for the record that my mother was appointed my XXXX XXXX XXXX XXXX on or about XXXX XXXX or XX/XX/XXXX. However, on XXXX XXXX, it was read into court records that dissolution and termination of full guardianship were granted and removal of XXXX. within this court signed order in petition that my lawyer filed incorporated into my motion for dissolution due to " wrongfullXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. This making the past XXXX impossible for me to verify my identity which is still as of today, XXXX XXXX, is an ongoing problem with Wells Fargo XXXX and my former XXXX XXXX  I by all rights should be allowed to be present in and have access to any joint checking account which has my name and social security number and my birth date included in the account and even though XXXX officially reinstated my XXXX payments last week and I gave them the checking account number for deposit and payments to be issued directly into my account XXXX from XX/XX/XXXX, I have not received any bank notices for this nor any amount of money that's as per my email address account and per my mom 's XXXX XXXX " I verified your cash deposit for your cash account yesterday " and I can't find out what actually happened to {$18000.00}, but I have not been able to be granted access to that information yet. I last week had my debit card stopped and a new one was issued in which I was notified of my debit card being shipped out to me and I am not in possession of it but I have not had any success between Wells Fargo nor my mom regarding any issues of this situation except that within the past 5 days, I have had to get police report for bank ID theft and student loan fraud, which my dispersement was supposed to go to the checking account which is being sent to the " depositing funds account

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 2022-12-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Caliber Home Loans, Inc.
State: NC

Complaint narrative:
After my last complaint to your govt office, XXXX replied saying that they recognize the mistakenly filed lien they filed with FHA case # XXXX. And submitted a request to HUD on XXXX. I have waited over a month without any news at all about its release. I even contacted HUD directly and they were not able to help. And only sent me the bill of the money incorrectly were told that I owe. 

( I may be mistaken but i believe the mistakenly filed lien is XXXX book number is XXXX pg XXXX in the amount of {$17000.00} ) Please note : there was one lien that was filed correctly and has been paid off.

My request is in regards to the lien that was mistakenly filed by Caliber on XX/XX/XXXX for the amount of {$17000.00} I have been trying to correct this since approx XX/XX/XXXX, my house closed on XX/XX/XXXX. please help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
On Monday, XX/XX/XXXX, I was informed by my auto insurance provider that they were unable to request a credit report using my name. This was not surprising - I completed a legal name change earlier this year. My legal name is " XXXX '' with no last name. My court order ; Driver 's License ; and Social Security Number card all accurately reflect that my only name is " XXXX ''. 

That same day, I created an Equifax account and attempted to use the provided tools to update my credit reporting information. I was not able to update my name as the webpage requires a last name, and would not accept my usual workarounds of either a hyphen or a zero-width whitespace character in place of a last name. Still on the same day, I contacted Equifax customer support via XXXX to report that I was not able to update my information. They responded in XXXX direct message, and also later by email, requesting documents to prove my change of name ( " Proof of Name '', " Proof of SSN '', and " Proof of Address '' required ). I promptly provided the requested documents ( a Court Order of name change, a photocopy of my driver 's license, and a photocopy of my SSN card ). The next day ( Tuesday, XX/XX/XXXX ) I received a follow-up email saying that they are " currently unable '' to correct my name, due to system constraints requiring a first and a last name. I replied within XXXX hours to tell them that leaving my name as-is was a completely unacceptable solution, but that I would be happy to work with them to find a solution that does not require them to implement a costly code change. I received no reply. On Thursday, XX/XX/XXXX I reached out to the Equifax customer service team via XXXX once more to report that I was still waiting for them to contact me to find a solution. I was told that the XXXX XXXX had already contacted me and " provided the indications '', which I understood to mean that they considered the case settled. I again told them that leaving my name unchanged was not an acceptable solution, but I was willing to work with them to find an acceptable solution. I received no reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
XXXX / XXXX reported false information to my credit report. That was not part of the contract please provide part of the contract that state that a state excise tax can be added to the vehicle monthly payments. 
They added an state excise tax bill as a monthly car payment where on the contract dose it say that the state tax and add on to vehicle lease payments. And that it can be reported as a missed payment of my leased vehicle. 

I also have an issue that I would like the CFPB to take a look at is I have Hundreds of receipts from bank and credit card statements of gasoline that was fueled, an avarage of XXXX gallons to fill up a XXXX XXXX XXXX XXXX gasoline cost of {$62.00} usd on avarage, that was leaking gasoline. Which they do have a recall only years later after owning the car all that lost of gasoline / money wasted I was filling up sometimes twice a week do to this issue would like to know if I could have some reimbursement of all the gasoline leak That occurred during the time that the problem went unknown during that first year And a couple of months and unable to find a time slot with XXXX to get the XXXX resolved do to insuficiente availability on there website. 

Description of the recall : On XXXX & XXXX XXXX XXXX ( XXXX ) and XXXX ( XXXX ) vehicles equipped with XXXXXXXX XXXX  engines, the fuel pipe connecting the high-pressure fuel pump to the fuel rail may have been installed with insufficient torque during assembly. 

I would like that the CFPB Takes a look at Both of the matters for me please. I will also contact other resources for more support on this matter for the records. Thank you

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