vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-22 00:00:00
Product: Credit card — Store credit 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: NY

Complaint narrative:
On or about XX/XX/XXXX I logged in to my Macy 's app to search for shoes. After my purchase, I checked statement balance only to realize there was a charge for {$660.00} posted on XX/XX/XXXX. 
I immediately placed an online dispute and requested to be sent a new Macy 's American Express card. A few minutes later, I decided to call customer service and inform them about the charge from XX/XX/XXXX. 
I proceeded to ask questions about the purchase and the customer service rep. confirmed it was an *in person purchase and could not provide any other information at that time. Again, I stated I had not made the purchase to which they answered : they would need 1-2 billing cycles to investigate and I would receive a new card in the mail, and that no charges would be expected during this time. 

I have made numerous calls since XXXX to the present date to followup on my initial call and monitor the status of dispute, only to get in bits and pieces at every phone call about the details of this unauthorized purchase that are contradictory and and make no sense ( at best ) : I was told by customer service rep. XXXX, on XX/XX/XXXX, that the purchase amount of {$660.00} was removed on XX/XX/XXXX and then added back on to my account based on the the fact the dispute had been denied/closed. 
I was also informed on this date the charge is for a full size foam mattresses with two pillows that had been *purchased on XX/XX/XXXX but it had not posted until XX/XX/XXXX, XXXX and therefore I had not satisfied the payment. 

At this news, I expressed being baffled, confused and angry at this situation that has affected my life and we'll as my credit score! And yet again, I was transferred to another person to *reinstate a dispute over the same issue* while none of it makes sense. 
As I am waiting for this to come to a resolution I am in receipt of a letter from Macy 's with the denial denial of my first dispute filed on XX/XX/XXXX and have not yet received any of the statements I asked for as proof of purchase because according to Macy 's : " They are not able to provide me with copies of billing statements from XXXX. '' Please help! 

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 monetary relief
Consumer complaint received 2024-08-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I received a check for {$1500.00} from Wells Fargo for an internal error on a modification of my loan I had with them. They claimed to have made this error but would not tell me exactly when this occurred or specifically what was done incorrectly but that only in was in regard to the term of the loan, the interest rate, or the principle balance. They sent me a XXXX letter saying if I was wanting to go to mediation that they would pay for it and REQUIRED me to answer how much money I was seeking. They also stated that my first phone call was not documented in their system. When I asked if this check was in response to the CFPB actions against them they said that it was not, and had occurred sometime between XXXX of XXXX and XXXX of XXXX. 

In summary, I do not know what this check represented or how it really affected me. I also feel if they are paying for mediation, I will not be represented fairly.

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 2024-08-22 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: AR

Complaint narrative:
I am writing to formally dispute the inaccurate reporting of the XXXX XXXX XXXX account # XXXX on my credit report. This account has been reported with significant discrepancies across the three major credit bureaus, which are misleading and damaging to my credit profile. The following inconsistencies have been identified : Account Status : Experian : Closed XXXX : Open XXXX : Open Date Last Active : Experian : XXXX XXXX : XXXX XXXX : XXXX Collection Status : All three bureaus show the account as placed for collection. 
Late Payment Status : XXXX : Was 90 Days Late XXXX  Times Experian and XXXX : No late payments reported The inconsistencies in the account status, dates, and late payment reporting across the three credit bureaus indicate that the information being reported is inaccurate and misleading. 

Violations of the Fair Credit Reporting Act ( FCRA ) : The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), mandates that credit reporting agencies must ensure the maximum possible accuracy of the information they report. The discrepancies in the account status, date last active, and the late payment reporting violate this statute. Additionally, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) requires furnishers of information to report accurate data, which has not been done in this case. 

Violations of the Fair Debt Collection Practices Act ( FDCPA ) : The incorrect reporting of the account as both closed and open, as well as the misleading late payment information, may also constitute a violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692e, which prohibits false or misleading representations in connection with the collection of any debt. 

Request for Immediate Action : In light of these violations, I am requesting the immediate removal of the XXXX XXXX XXXX account # XXXX from my credit report with all three credit bureaus. I also request that you provide me with an updated copy of my credit report reflecting this correction.

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 2024-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: MOHELA
State: GA

Complaint narrative:
I have paid the outstanding balance and still showing in a negative way that prevents me for getting a mortgage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I have paid the outstanding balance and still showing in a negative way that prevents me for getting a mortgage.

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 2024-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My date of birth is completely incorrect. its displays XX/XX/XXXX. 

My actual date of birth is XX/XX/XXXX. I need this corrected as soon as possible. 

name : XXXX XXXX XXXX : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-22 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX I went to my bank CITI Bank in XXXX, California, to open a bank account for both my daughters. Once the accounst were opened, we wanted to deposit all of their savings into their accounts. As the line at the counter was long, we were suggested to make the deposit by the ATM of the bank instead. My youngest daughters ' account went fine, and all her money got deposited. My oldest daughter, didn't have the bills stacked properly, so we made an initial deposit of {$60.00} in cash before the machine closed it's lid. That went fine and so we wanted to deposit the remaining {$350.00} into the ATM machine, after insetting the cash in the machine, an error message popped up on the screen and the machine returned my card without any receipt. I immediately went inside the bank and notified them of the situation and the they opened a case and told me that they will notify me of their findings. A few days later i received a reply that there was no discrepancy and they could not verify the {$350.00} cash deposit and offered me {$40.00} dollars for my inconvenience. On XX/XX/year> I have since contacted the bank to reopen the case to investigate again and they replied that the new audit didn't show any proof of discrepancies. 
To me it's simple, if the money wasn't found, then a crime has been submitted. 
I was trying to teach my kids to place their savings in the bank for their safe keeping and then I have to tell them that the money they have saved for more than 2 years is lost because of a banking error?? 

At this point i would like to request your assistance in following up with my complaint and to receive guidance for my right and how to request proper evidence from the bank recover the money I lost. 

FYI : The final case record I was provided by Citi bank was XXXX Thank you for your time and attention to my case.

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 2024-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
Request for Accounting and Statement of Account under UCC 9-210 & NOTICE OF VALIDATION I hereby submit this letter as a formal request pursuant to the Uniform Commercial Code, Section 9-210, regarding my account with you.

In accordance with UCC 9-210 ( a ) ( 2 ) and ( 4 ), this letter serves as : A Request for an Accounting of the unpaid obligations secured by the collateral involved in the aforementioned transaction.

I am seeking an authenticated record that provides a detailed accounting of all unpaid obligations to date.

A Request Regarding a Statement of Account indicating the aggregate amount of unpaid obligations secured by the collateral that I believe to be accurate. I am requesting that you approve or correct this statement and provide a detailed explanation of any discrepancies. For clarity and the purposes of identification, the transaction or relationship in question involves Account number Pursuant to UCC 9-210 ( b ), I understand that you are required to comply with this request within 14 days of receipt by authenticating and sending the requested accounting and statement of account. Please ensure that your response is detailed, including all relevant information pertaining to the unpaid obligations, the list of collateral, and any corrections to the statement of account I have provided.

Should there be no interest claimed on the obligations or the collateral at this time, as outlined in subsections ( d ) and ( e ) of UCC 9-210, I request an authenticated record disclaiming any interest, along with the name and mailing address of any assignee or successor to your interest.

I am aware that, as per UCC 9-210 ( f ), I am entitled to one response to this request without charge during any six-month period. Please inform me in advance if there are any charges for additional requests. 
I look forward to your timely compliance with this request. Please send the requested information and any corresponding documentation to the mailing address listed above

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 2024-08-22 00:00:00
Product: Credit reporting 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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX Account number : XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Experian has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, so I require you to send me all the documentation to prove that this information is accurate. I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts.

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 2024-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX - XX/XX/year> - XXXX - I am requesting that the account be deleted from my credit report ( Experian & XXXX ). I was advised that the tradeline be deleted once I paid the balance. The account remains on both reports and reflect paid in full on one and settled on another. I also requested validation of debt from the company, but did not receive. I request that this trade line be deleted from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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 2024-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am reaching out for your help with this incorrect account appearing on my credit report. Ive raised this matter because its been damaging my reputation, and I need your assistance. The mishandling of my credit report has left me in a difficult situation, as this inaccurate information has damaged my reputation. Please correct these mistakes so I can live peacefully with my family.

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 2024-08-22 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: AR

Complaint narrative:
I am writing to formally dispute the accuracy of the information being reported on my credit report regarding the XXXX XXXXXXXX XXXX account # XXXX. The reported last active dates differ between the credit bureaus, with Experian showing XXXX and both XXXX and XXXX showing XXXX. I have reason to believe that this information may be inaccurate. 

Request for Validation : Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers of information are required to report accurate information to the credit bureaus. Given the discrepancies in the reported last active dates, I am requesting that this account be validated to ensure that the information being reported is accurate.

Violations of the Fair Debt Collection Practices Act ( FDCPA ) : If this account information is being reported inaccurately or without proper validation, it may also be a violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692e, which prohibits false or misleading representations in connection with the collection of any debt. Additionally, 15 U.S.C. 1692g requires that any debt being reported must be validated and verified.

Request for Immediate Action : I am requesting that you conduct a thorough investigation into the accuracy of this account and provide validation of the debt. If the account can not be validated, I request its immediate removal from my credit report. Additionally, please provide me with an updated copy of my credit report reflecting any corrections.

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 2024-08-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: American Financial Resources, Inc.
State: AZ

Complaint narrative:
I informed them that my online payment was made on their webpage with the routing and account number information requested when I set up for online payments. My sign in to their webpage shows the information on my loan so there should be no question about where the payment should be applied. My checking account shows the amount paid and I received an email that the payment was received. One month later I got an email telling me that the payment was overdue. 
When I called the individual I talked to told me that it was the banks error for not designating what the payment was for but if I would hold for 3 minutes he could easily fix the problem. 
So the money was out of my account and in their hands for one billing period. I dont that much about the law or accounting but it seems to me that this practice would accumulate a considerable amount of money for short periods. Is it some kind of float scheme? The other thing is that I was not able to make interest on the money and I missed the opportunity to shorten my mortgage term by prepaying the interest on the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX - XX/XX/2019 - XXXX - I am requesting that the account be deleted from my credit report ( XXXX & TransUnion ). I was advised that the tradeline be deleted once I paid the balance. The account remains on both reports and reflect paid in full on one and settled on another. I also requested validation of debt from the company, but did not receive. I request that this trade line be deleted from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
An account from 2018 is still on my credit report and all 3 bureaus. It appears closed on Transunion and paid in XXXX and XXXX which is inaccurate. This appears as XXXX card.

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 2024-08-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Credit Control, LLC
State: PA

Complaint narrative:
i naver hand a credit card with XXXX XXXX XXXX. this is not my act they have this credit card acout on my credit report whith a nother debt collector

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