vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
My debit card was stolen. I closed the account and reported the problem. Over XXXX dollars were taking out and the thief also tried to order a new card. I informed the USAA and they deemed it not fraudulent even though there is evidence that the thief was able to go to XXXX XXXX XXXX in XXXX hours and pull out cash.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 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: GA

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.

Account Name : DPT EDXXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : US DEPT ED Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-10 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:
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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX LOAN Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account XXXX : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : CXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 XXXX 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 XXXX 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 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 — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
My TD bank credit card ending XXXX expired XX/XX/23. I never received a new replacement card, and I didnt notice since I rarely use this card. I only used this card to charge XXXX auto insurance premium & balance transfer checks in the past. On XX/XX/23 I made a payment to XXXX using this card, so I checked the billing statement. I was shocked to find out there were many fraudulent charges between XX/XX/23 to XX/XX/23 for a total of {$11000.00}. I called TD bank to dispute & also found out that TD bank did send out a new replacement card which I never received. I strongly believed my new card must have landed in the hands of the criminal. It was too late to find out the card was stolen since damaged were done. I was concerned if I was a victim of identity theft or TD bank failed to provide sufficient security measures so the criminal was able to activate my replacement card? On XX/XX/23, TD failed to reach out to me for verification for a large payment of {$10000.00} to XXXX XXXX which I didnt know the nature of business & any contact information. It appears like a scam since I found no clue of this company in my search. Then with the TD bank lacking security, the criminal continued using my stolen card purchasing in various stores in XXXX wheres distance from my residence in XXXX. Again, TD bank failed to detect unusual card activities & irregular purchases patterns. I filed a police report. I informed the credit unions. I filed disputes with TD bank without success. I dont understand why TD bank denied my disputes while they claim credit card XXXX liability with unauthorized changes. I am reporting this problem to your agency, hoping you could direct TD bank to do a thorough investigation on my case, bringing true answer to light. I trust your agency can do everything in your power to protect consumers including me against fraud. Thank you!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-10 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: NC

Complaint narrative:
I am writing to submit a complaint against Citi Bank, detailing a series of issues that have arisen since I opened my checking account. Despite my persistent efforts to resolve these matters, I have encountered unresponsiveness and unprofessional behavior from various bank support teams. Below is a comprehensive breakdown of the events : Debit Card and PIN Issue : Upon receiving my debit card, I noticed that the accompanying PIN was missing, rendering the card inoperative. I've reached out to several departments within Citibank, but none have managed to resolve this issue. 

Contact with Online Support : While attempting to resolve this matter online, I waited XXXX to XXXX minutes for the agent to send a verification code, only to be logged out due to inactivity. Subsequently, the support team failed to follow up. 

Contact with Executive Response Team ( Case # XXXX ) : An analyst suggested ordering a new PIN and debit card, promising delivery by XX/XX/XXXX. Regrettably, the items never arrived, and the agent closed the case at the end of the initial call without waiting for confirmation of receipt, leaving the problem unresolved. 

Contact with Executive Response Team ( Case # XXXX ) : In a similar vein, an analyst proposed a solution involving a new PIN set to arrive by XX/XX/XXXX. The PIN never arrived, and the case was abruptly closed at the end of the initial call. Compounding my frustration, the agent unjustly blamed me for following up and arrogantly insisted that I should contact regular customer support because he had ordered me to do so. This directive was all the more unreasonable given that he himself was unable to locate the PIN. 

Video Appointment with XXXX, XXXX Area Banker ( Banker name : XXXXXXXX XXXX ) : I scheduled a video appointment with a local Citi banker, but the banker failed to appear, intensifying my concerns. 

Additional Concern - Floating Debit Card : The executive response unit issued a request for a duplicate debit card, yet no one within the unit seems aware of its whereabouts. This lapse has created a perilous situation where an active debit card is unaccounted for, significantly jeopardizing the security of my account. 

In light of these continual failures, my concern for my account 's safety has grown, compounded by the disheartening lack of support from Citi Bank. I earnestly request the CFPB to investigate these matters and work towards an expedient resolution. The uncertainty surrounding the location of my debit card and PIN, neither of which are in my possession, leaves me fearful that my account may be compromised if they fall into the wrong hands. 

Thank you for your immediate attention to this serious matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This is a follow-up for a previous CFPB complaint ( XXXX ) against TransUnion submitted on XX/XX/2023. My complaint was about an item ( XXXX XXXX ) that was illegally inserted in my credit file. Transunion responded that they were falsely working on my issue and CFPB closed my complaint. Shortly afterwards, I received a letter from Transunion dated XX/XX/2023, asking me to provide them with information because they are unable to locate a credit report for me. Which is also not true, because I sent a validation letter to them dated XX/XX/2023. Transunion responded on XX/XX/2023 that the alleged debt was " verified as accurate ''. Please see letter attached. Therefore, their claim of not being able to locate my credit file is un-validated. I have never had a contract, spoken with anyone from XXXX XXXX nor received any kind of written communication from them prior to them inserting the alleged debt on my credit report. Collectors are required by Fair Debt Collection Practices Act ( FDCPA ) to send you a written debt validation notice with information about the debt they're trying to collect. It must be sent within XXXX days of the first contact. The debt validation letter includes : The amount owed. A statement that the debt is assumed valid by the collector unless you dispute it within 30 days of the first contact. A statement that if you write to dispute the debt or request more information within 30 days, the debt collector will verify the debt by mail. A statement that if you request information about the original creditor within 30 days, the collector must provide 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 non-monetary relief
Consumer complaint received 2023-08-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX

Complaint narrative:
Mortgage is with Lakeview and is subserviced by XXXX In XXXX XXXX  I added a new bank account for payment of my mortgage. I submitted a payment on XX/XX/XXXX which is within the grace period for the due date. I was not informed that the payment had been returned until XX/XX/XXXX. The mortgage company reported it to the credit agency as XXXX days late. The payment account number was off by only one digit. I immediately made the payment at the time of the phone call with the correct account number. I made the XXXX payment through the website on XX/XX/XXXX and everything went through just fine. I made the XXXX payment through the website on XX/XX/XXXX. Prior to submitting the XXXX payment I checked the " edit payment account '' screen to verify that the correct account number was listed. On XX/XX/XXXX I called them because the payment had still not cleared my bank account. I was told that the incorrect account number ( off by XXXX digit ) had been used for the XXXX payment. No one at their customer service, website team or escalations department could tell me why it processed with the incorrect account number even though I double checked it before submitting the payment. I was then told that I have to wait until Monday XX/XX/XXXX for the payment to be returned and that I will be charged a returned item fee. On top of everything else, they reported me as XXXX days late to the credit reporting agencies and stated that they have no responsibility whatsoever to notify me when a payment is returned. This is an unfair business practice that has damaged my credit and will adversely affect me for the next 7 years. I have never been late on a mortgage payment before and if there were any issues in the past with the mortgage on my last home I was promptly notified to address the issues before any negative impact to my credit. This company said that they refuse to correct anything with my credit report even though the account number was only off by XXXX digit and I was not notified that the payment had been returned until 10 days after it was already 30 days late. In addition to unfairness I feel this is deceptive and predatory because it has caused me to be denied on applications to refinance to a different lender. I also have photos of the " edit payment account '' screen showing the correct account number.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Velocity Portfolio Group
State: MO

Complaint narrative:
I am not liable for this debt as I do not have a contract with Velocity Investments LLC I am making this complaint because I am a victim of identity theft according to the FCRA and have not given written permission for these accounts to be furnished on my consumer report, furthermore, I have reached out to Velocity and they referred me to XXXX XXXX XXXX an attorney. When I connected the attorney they could not give me any information. I am being run around in circles and would like to get the issue resolved. No one will verify the debt is mine or give me any information once I say XXXX XXXX is not me. Please remove the item from my credit report and stop any legal action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 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: IL

Complaint narrative:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them 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 2023-08-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My name is spelled XXXX XXXX any other way is in correct There are also addresses on my Report I never lived at. 

I uploaded my XXXX  XXXX bankruptcy discharge letter from XXXX any negative credit reporting before or after should be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-10 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: FL

Complaint narrative:
My name is spelled XXXX XXXX any other way is in correct There are also addresses on my Report I never lived at. 

I uploaded my XXXX  XXXX bankruptcy discharge letter from XXXX any negative credit reporting before or after should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 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: NJ

Complaint narrative:
I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information with my wet signature. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I DONT HAVE PUBLIC RECORDS ON MY REPORT, PLEASE AND I'M BEGGING YOU TO DELETE THIS INACCURATE DETAILS ON MY REPORT ASAP, THIS GIVING ME ANXIETY AND I WON'T ALOW IT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: OH

Complaint narrative:
Monday morning XX/XX/23 I received a phone call from a Lady who claimed to be with ERC Collections telling me that they were attempting to collect a debt that I owed XXXX ( company that provides telephone service ) {$750.00} for a past due phone bill. I told her this bill was fraudulent because I have not ordered any service or items from XXXX. She told me they would send me information how to make a stolen identity fraud report to them. I don't use XXXX for my phone service. I use other companies that are more reputable and don't overcharge their customers. In the past few years XXXX has sent me Three fraudulent bills. The first one came directly from XXXX. The second fraudulent bill came from XXXX collections, and this fraudulent bill came from ERC collections. The first two fraudulent bills were cleared through the State Attorney General 's office and the XXXX XXXX XXXX. I am taking the same action on this third bill but I thought to start taking more serious action by notifying the Consumer Financial Protection Bureau. I feel these companies should be held accountable for sending out Fraudulent bills to XXXX XXXX XXXX XXXX. I also feel these companies are trying to steal money from people that do not owe them money. Can the Consumer Financial Protection help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
one year ago i had a {$69.00} charge on a Spirit Rewards credit card that i never applied for, I disputed with my bank who issued my a new debt card to prevent future charges, i also filed a CFPB complaint and thought this was resolve. on XX/XX/2023 i was charged another fee of {$69.00}, i have never applied for this card, have never received, or activated a card from BOAXXXXSpirit XXXX This is continued scam as you can not get thru to Spirit or BOA to discuss, I've tried XXXX provided by my bank, there is no option to speak to a live person, XXXX, unable to thru to live person, XXXX from XXXX search is not a good number. Please stop these people from taking advantage of consumers. This is obviously a XXXX violation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 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: IL

Complaint narrative:
This account is not mine, I did NOT authorize anyone to use my account, Please remove this inaccurate 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