vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-01 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: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
TRUIST bank ( formally Suntrust account ) allowed someone to cash a check made out to me and cashed it against my checking account and the check was returned to them by the maker of the check and therefore they took {$2800.00} from my account. When I received the notice dated XX/XX/2022 on XX/XX/2022 I immediately called the FRAUD department that evening and told them that I have no idea who the company is and that I did not cash any such check against my account, have never seen the check before nor had it ever been in my possession. They advised me to go to my local branch and fill out the proper paperwork. On XX/XX/2022 I went over to where I do my banking and dealt with XXXX XXXX, the Branch Leader and we proceeded to complete the documents, including an Affidavit of Fraud, signed and notarized, that she said was needed to get an investigation started. The Case # given was XXXX and said that they would contact me in 2 days. On XX/XX/2022 I went into the bank again and advised XXXX XXXX that I had not heard anything, and she called the fraud department again, and again they said that Supervisor would be in touch by XX/XX/2022. No one ever called but I received a letter that stated my claim was denied and that if applicable, evidence would be provided. Since that letter, we have continued to try to reach someone at the fraud department and request this so-called evidence that they have that is causing my case to be closed. I did not, have not and never did receive any funds from this check nor did anyone I know receive any funds from this fraudulent activity against me. It is now XX/XX/2022, and XXXX XXXX has not been able to assist me to get my money back and no one has contacted me. I called today XX/XX/2022 and spoke to XXXX in the fraud department again to get the evidence that determined their findings as well as XXXX XXXX filing a complaint and she stated that she would, once again, get a supervisor to call me by XX/XX/2022.

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 2022-09-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
credit card theft account was sold to debt collector who has sued me. My son was an authorized user on my Capital One account. It was my daughter in law, XXXX XXXX XXXX, who stole his credit card from his desk drawer and every single purchase was made by my daughter in law after she stole the credit card. The purchases were made in CA and I live in TX. I never made any of these purchases on this card. All I need to show this was her is the itemized statement from XXXX and XXXX of XXXX. I requested this but what they sent only showed the balance due and was from XX/XX/XXXX. I specifically requested the itemized statement/invoice for those months. They said they would send it to my attorney but she has still not received it. Please send anything related to my attorney : XXXXXXXX XXXX XXXX, Attn : XXXX XXXX, Phone : XXXX or XXXX, mailing address : XXXX XXXX XXXX, XXXX XXXX, XXXX, TX, XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO.
State: WV

Complaint narrative:
I had 2 accounts opened up that I do not recall opening with Chase that were overdrafted. I've tried solving this with the bank and filed a police report which they refuse to accept and told me I needed to go to another agency to file ( filed with State Police ). This is going back and fourth with no resolution and no assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have a credit card with the capital one bank. that ends in XXXX and two days ago my card was canceled due to fraud. the three credit bureaus notified capital one this account was active and I was using it normally and I want to recover it

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 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: DISCOVER BANK
State: CA

Complaint narrative:
On XX/XX/XXXX I was checking my credit report and figured out incorrect information that I disputed with companies and it came back as certified but the addresses on my credit report are wrong that don't belong to me.Also I was a victim of data breach and my information was compromised and used and I told all of this to creditors and credit bureaus but they messed up on the investigation and gave a wrong information to credit bureaus so they kept all this wrong information on y credit report.I also did report and FTC report for further investigation and here 's the FTC report number XXXX XXXX also go ahead and attach it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: CA

Complaint narrative:
Today is XXXX My name is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Acct ending XXXX Deposited a US Postal Money Order for {$1000.00} dollars on XX/XX/XXXX at and US Bank ATM in XXXX CA. US Bank placed an immediate 10 day hold on the check. When I contacted US bank on XX/XX/XXXX & XXXX to follow up on the hold I was told that US Bank can not remove a hold once a hold has been placed under any circumstances. The initial phone call to US Bank was to XXXX I spoke with XXXX at extension XXXX at toll free XXXX on XXXX and she confirmed that the bank would not and could not remove the hold under any circumstances until the Money Order had cleared. 
The Postal Money Order in question cleared on XX/XX/XXXX according to the US Postal Service and can be tracked and verified below via this link XXXX XXXX XXXX Check Money Order Status XXXX XXXX XXXX Money Order # XXXX has been cashed. 
'The information received is based upon the most recent information the United States Postal Service has '' As the bank has already taken possession of our funds it is simply wrong that they would hold a small business 's funds for no apparent reason. Similar checks ; also Postal Money Orders were deposited at XXXX XXXX  in XXXX and the funds were available the next business day.

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 2022-09-01 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX ( she uses multiple different last names ) of Texas used my SSN to open multiple loans and credit cards. She is in Texas while I am in XXXX. The loans and credit cards all have her names on them, but when I contact the credit bureaus and creditors, they never helped me get these items removed from my credit report? I resubmitted my dispute just now for both Experian and XXXX. I believe my record on XXXX is clean. 

On Experian, XXXX XXXX XXXX and XXXX XXXX XXXX are still on my credit report. On XXXX, XXXX XXXX XXXX and XXXX XXXX are still on my credit report. Both credit bureaus have several of XXXX 's addresses and names which I also disputed. Can we get these taken off? I have been trying to do this for the past few months and it is detrimental to my credit.

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 2022-09-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: MI

Complaint narrative:
On XX/XX/2022, a total of {$20.00} was taken out of my CashApp account by a thief name XXXX XXXX. I contact Cashapp immediately after being notified by text. I was told the following : 1 ) they could not help me stop the payment, 2 ) I had to contact XXXX and wait for the transaction to be completed before they will step in to refund my money. XXXX customer service could not be reached and I was forced to wait for this XXXX to steal my money. After the transaction was completed, I called to get my money back, CashApp XXXX number XXXX. 

On XX/XX/2022, XXXX, the manger, tells me I have go into the application to dispute all XXXX XXXX charges and the XXXX XXXX before they will consider returning my {$20.00} and if I have problem customer service for assistance. This was already completed, XXXX number XXXX. 

I called to speak with a manager. No manager is available. When I asked how long my information will remain in the database, I was told my information will remain until the company dissolves. I do not want my information to remain indefinitely. This company has a security breach and does care about my information or money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
XXXX XXXX XXXX she uses multiple different last names ) of XXXX  used my SSN to open multiple loans and credit cards. She is in Texas while I am in XXXX. The loans and credit cards all have her names on them, but when I contact the credit bureaus and creditors, they never helped me get these items removed from my credit report? I resubmitted my dispute just now for both XXXX and XXXX. I believe my record on XXXX is clean. 

On XXXX, XXXX XXXX XXXX and XXXX are still on my credit report. On XXXX, XXXX XXXX XXXX and XXXX XXXX are still on my credit report. Both credit bureaus have several of XXXX 's addresses and names which I also disputed. Can we get these taken off? I have been trying to do this for the past few months and it is detrimental to my credit.

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 2022-09-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PulteGroup, Inc.
State: GA

Complaint narrative:
Im working with Pulte Mortgage to secure a loan and my initial cash to close which I received on the XX/XX/2022 was {$19000.00} and mortgage payment is {$3300.00}. I started working with XXXX XXXX XXXX XXXX ( XXXX ) and I received a loan estimate from them on XX/XX/2022 with a cash to close of {$17000.00} and total monthly payment of {$3100.00}. 

I shared the loan estimate I got from XXXX with Pulte and they got back to me on XX/XX/2022 with an offer of an additional {$10000.00} in seller credit ( they offered {$7500.00} initially ) making a total of {$17000.00} in seller credit. This brought my cash to close to about {$12000.00}. 

I informed XXXX of this and decided to move forward with Pulte. On XX/XX/2022 they reached out to me saying they made a mistake and they meant to give {$2500.00} in additional credit making a total of {$10000.00} in credit. They waited for about 2 weeks to inform me of this and I cant even go with XXXX as it is too close to my closing date which is XX/XX/2022. I reached out to them and they eventually offered $ XXXX in credit making total of $ XXXX instead of {$17000.00} that was promised. 

I made other plans when the $ XXXX was promised to me and now Im supposed to cough out {$5500.00} less than 2 weeks from closing. They sent me the loan estimate detailing this on XX/XX/2022 with a closing cost of {$16000.00} after adjusting for my home insurance amount and other costs. 

I feel cheated and dont know if this is even legal. Am I supposed to take the fall for the mistake the lender made? Like is this even legal?

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 2022-09-01 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: CITIBANK, N.A.
State: CA

Complaint narrative:
XXXX XXXX ( she uses multiple different last names ) of XXXX used my SSN to open multiple loans and credit cards. She is in Texas while I am in XXXX. The loans and credit cards all have her names on them, but when I contact the credit bureaus and creditors, they never helped me get these items removed from my credit report? I resubmitted my dispute just now for both XXXX and XXXX. I believe my record on XXXX is clean. 

On XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX are still on my credit report. On XXXX, XXXX XXXX XXXX and XXXX XXXX are still on my credit report. Both credit bureaus have several of XXXX 's addresses and names which I also disputed. Can we get these taken off? I have been trying to do this for the past few months and it is detrimental to my credit.

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 2022-09-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MORTGAGE SOLUTIONS OF COLORADO
State: NC

Complaint narrative:
We had went through the loan process to obtain a home through Mortgage solutions of Colorado. We had a pre-approval of {$350000.00} in XXXXXXXX XXXX  XXXX. I had a guarantee that this company would get me into my home. We began looking for a home. We had found a home and going through the process of obtaining it. I had put down the earnest money for it and everything else. Finally it came to a few days before closing. The closing date kept changing because the underwriters kept wanting documents and statements regarding items on my credit report. I had made everything current that they had asked for such as my credit card and another loan. I even went through the process to allow them to talk to my creditors and prove I was current. The day we were supposed to close they denied me because even though I made current on my credit card and proved it, it still showed I was late on it. Now they have left a veteran and his family XXXX  and have not made any attempts to fix the situation by giving the monies back that way paid into it. It has been 48 hours since the phone call denial and after numerous attempts to get documentation of the denial, they have yet to send it to me or my realtor. They left our family XXXX  and they left the sellers XXXX  because the sellers moved out and were living in a hotel until I was able to close so they can get their home. I had asked for the denial letter numerous times so I can proceed with further legal action if possible. I have tried to obtain contact information so I can speak to the President but no one is willing to give it out. No one has since contacted us or anything since my denial to see how my family was doing or try to find a way to fix the situation. Keep in mind this was all over a credit card that was showing late on my report even after varifying current status. In the state of North Carolina it is illegal for the lender to guarantee me a home all the way up to closing and then deny me the day of closing. I feel like I was scammed just so this company can make money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Atlanticus Services Corporation
State: VA

Complaint narrative:
Fortiva has not been reporting my credit card for the last FIFTEEN months! They report to XXXX but not to XXXX or XXXX! I have submitted previous complaints to CFPB to no avail. Fortiva reports to CFBD They are reporting scores and that is the end of it! However, there have not been reported scores since XX/XX/2021!!! 
This is in violation of the Fair Credit Reporting act as you well know! Please take some action rather then believing that Fortiva is keeping my credit line up to date, which is a lie! Ask them for proof and take this seriously as this is a federal law!!!!!

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 2022-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I recently found out that three different people on three different parts of my Powers of attorney and they are completely destroying my identity the destroying my credit destroying everything connected me to businesses making hundreds of millions of dollars under my name this is all illegal I never signed or allowed anybody to have my Powers of attorney I would like to press charges on all of them

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 2022-09-01 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: MD

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
I received a letter dated XX/XX/2022 from Macy 's stating suspicious activity from department store card fraud department. I contacted company. They stated someone got all my personal information and opened an account online on XX/XX/2022. They stated they would close the account and that I wouldn't be responsible for any charges.

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 2022-09-01 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: Resurgent Capital Services L.P.
State: IN

Complaint narrative:
On both XXXX and my XXXX Credit report I have XXXX  XXXX reporting a negative and charge off there are 2 accounts they both also have been sold to lvnv funding and they also are Reporting a charge off under XXXX XXXX. 
With lvnv funding name. 
This is against the FDCA and The FDCRA on both parties, They both have been contacted XXXX XXXX said to contact Credit bureaus to get removed was not there problem. 
I contacted both transunion.com and XXXX they refuse to remove. 
It's is 100 % against the fedal Credit law to keep reporting from both parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 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: Receivables Performance Management, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX I was checking my credit report and figured out incorrect information that I disputed with companies and it came back as certified but the addresses on my credit report are wrong that don't belong to me.Also I was a victim of data breach and my information was compromised and used and I told all of this to creditors and credit bureaus but they messed up on the investigation and gave a wrong information to credit bureaus so they kept all this wrong information on y credit report.I also did report and FTC report for further investigation and here 's the FTC report number XXXX XXXX also go ahead and attach it.

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