vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-18 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:
On XX/XX/XXXX my Citi Bank Access Account was charged two separate transactions of {$120.00} and {$120.00} from a XXXX in XXXX, CA. These transactions were not made by me, nor were they authorized by me. I have never in my life been to the city of XXXX, and can assure that these transactions were not made by me. After submitting a claim with Citi Bank on that same day, I was told that the second transaction of {$120.00} was not approved due to insufficient funds. Weeks later after checking my records, I realized that the transaction was in fact approved. I received notice on XX/XX/XXXX that I will not be reimbursed for these transactions, reasons being : You informed us that your Citibank Banking Card has not been out of your possession Both your Citibank Banking Card and Personal Identification Number were required to perform these withdrawals The activity appears to be consistent with your normal banking activities After reading this letter, I called Citi Bank customer service and was heavily doubted by the representative when I assured that the transactions were not made by me. The agent asked me questions such as Youre sure youve never been to that XXXX? After answering that I have not, the agent made comments such as, I dont know. This agent was being very disrespectful and was implying that I was responsible for these transactions. At the end of the call, the representative told me to Go back to my own country.

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 2023-01-18 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Pursuant to 15 U.S. Code 1691 - Scope of prohibition- It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction. Keyword : ANY I was discriminated against based off my credit report/reputation. Also Pursuant to 15 U.S. Code 1602 ( p ) - Definitions and rules of construction. The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. The credit card being my social security was used by Chase ( person ) and I the cardholder received no benefit. Chase has already confirmed through the mail that they in fact did deny me my right to credit. Chase shall pay fines for said violations including 15 U.S. Code 1681n - Civil liability for willful noncompliance. {$1000.00} per violation invoice will be sent by mail via USPS with a tracking number.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 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: MD

Complaint narrative:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: FL

Complaint narrative:
I have called Fay Servicing and emailed them numerous times over the last 45 days about my homeowner 's insurance. They currently escrow for my insurance but to date have still not paid my homeowner 's insurance. Since they have not paid, the insurance companies have canceled my insurance on the property. My insurance broker has also reached out numerous times and still, we have not been able to get Fay Servicing to send out payment for my insurance. I am not sure what else can be done at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Credit Karma, LLC
State: UT

Complaint narrative:
I was pre-approved by Credit Karma for cards, applied for them only to get denials due to a lack of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.

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 2023-01-18 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: NJ

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. 

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 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 XXXXXXXX has violated my rights.

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 2023-01-18 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: MD

Complaint narrative:
I want this late payment deleted from my account within XXXX  days, this is not mine, I'm not aware of this, Under USC 1666b.

See the documents attached.

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 2023-01-18 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: MD

Complaint narrative:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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 2023-01-18 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.

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 2023-01-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I have sent multiple letters to credit agencies as well as the debt collector detailing this is not my debt that is on my credit report with no replies or removal. 

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 explanation
Consumer complaint received 2023-01-18 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: IN

Complaint narrative:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.

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 2023-01-18 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: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
I am writing this complaint for Regulation E complance by American Express. On XX/XX/2022 I had 3 fraudulent transactions that posted to my American Express Gold Card that was lost from my possession in the XXXX XXXX. I called on XX/XX/XXXX and informed American Express of the issue and was told they would investigate the charges. Per Regulation E I was supposed to receive provisional credit within 10 days for the transactions that I did not authorize while they investigate the fraudulent transactions. I have only received provisional credit for 1 of the 3 transactions and that credit was posted on XX/XX/XXXX. After discovering that I did not receive credit for those 2 other transactions I called back on XX/XX/XXXX and was told that they were indeed apart of the initial report and that the report was still open and being worked on. After not receiving a letter to confirm the transactions or hearing anything back I called once more on XX/XX/XXXX and was told that the investigation team only received confirmation from the merchant, where the 3 transactions originated and that I have no relationship with, that they only heard back about the 1 charge being unauthorized but they did not get a confirmation about the other 2. Nonetheless, I was informed that I would receive a provisional credit on XX/XX/XXXX. As of today XX/XX/XXXX, I have not received a credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
There was a lis pendens against my property, which I have retained my own attorney and got it resolved immediately and reported back to shellpoint, as my mortgage lien holder.

However, they first illegally stop taking payment from me. Then bill me an outrageous unexplained " litigation cost '' of {$4700.00}. I called the customer care many times, but they refused to help. Told me to contact " XXXX '' which i did many times never got a reply. 

I have also mailed them qualified written request which i never got a reply.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In Accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15USC 1681 15USC 1666b 15USC 1681 a ( 2 ) ( a ) ( i ) 15USC 1681a ( 2 ) ( b ) 2021 its publication 4681 15USC 1681a ( 3 ) 15USC 1692g 15USC 1692c 15USC 1692j 15USC 1681b ( 2 ) 18USC 1028a XXXX Account name. 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights 15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 USC 1681s-2 A1 a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NV

Complaint narrative:
My complaint is against VENMO, which is an online money transfer service. 

On or about XX/XX/2023, my sister sent me {$100.00} using VENMO. This money has been held up by VENMO as they allege that an email address *I no longer use* is associated with fraudulent activity. This old email address was in use and compromised when XXXX was hacked a year or so ago. 

I responded to VENMO using its online form and advised I no longer use the account in question and asked them to release my funds. They have refused to do so and continue to allege fraudulent activity connected with my *former* email account. 

I am XXXX XXXX XXXX and retired. I live on a modest income and need the money my sister sent to me to take my dog to the vet. 

I am asking for my money {$100.00} to be released for transfer to my bank account by VENMO. Neither my sister nor I can afford to lose {$100.00}. I will close my VENMO account once I receive the {$100.00} and transfer it to my bank. 

Thank you for your help with this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
I would like to get these Unauthorized Inquiries off of my XXXX credit report, Please Ally Financial XXXX, 2022 XXXX XXXX XXXX XXXX, XXXX, 2022 XXXX XXXX XXXX XXXX 2022 XXXX XXXX XXXX, 2022 XXXX XXXX XXXX, 2022 XXXX XXXX XXXX, XXXX XXXX 2022 Customer service at XXXX would not help correct my file by deleting the unauthorized inquiries reported to 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 explanation
Consumer complaint received 2023-01-18 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: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
I have a checking and savings account with Wells Fargo. On XX/XX/23 I was notified that my checking account balance had gone down to zero and overdraft protection from my savings was initiated. 

When I looked into my account, there was an unauthorized transaction that occurred which took all of the money out of both my savings and checking accounts. I called Wells Fargo on XX/XX/23 - they gave me a claim number ( XXXX ) and said it will take 10 business days to resolve. However, when I saw that no claim has been filed under my online account, I called them again on XX/XX/23 to inquire and this time another claim number ( XXXX ) was created and was posted under my online account. My daughter and I called the claim department again today, XX/XX/23 and they again stated the 10 day timeline with no updates. 

All of my and my wife 's money were in this Wells Fargo account and we have no cash to pay our bills, my wife 's passport renewal check was getting processed and will now be delayed, there are overdraft fees associated with this erroneous transaction, and possible damage to our credit score. We can not wait 10 business for our money to be returned, we expect immediate resolution and compensation.

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 2023-01-18 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: RentDebt Automated Collections, LLC
State: TN

Complaint narrative:
my brother XXXX XXXX is XXXX so there no way possible that he could have signed any lease or anything someone used his name and so this needs to be off of his credit report before me and my siblings take legal action against rent debt

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 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: FL

Complaint narrative:
The named company has violated my rights by improperly furnishing collection without my written consent. The law states that I have the right to privacy and no credit or collections company can not my personal information without my written consent, this account MUST BE REMOVED IMMEDIATELY. this account was also FRAUDULANTLY OPENED AND WAS PREVIOUSLY REMOVED, IT CAN NOT BE RELISTED AND I DIDNT APPROVE OF THIS. 

XXXX # XXXXXXXX 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 2023-01-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Greetings My husband and I made a payment for our Mortgage to XXXX before the year of 2010. As it was made to our attention, the mortgage company claimed that they never received the payment, but they did receive it! Using a US POSTAL MONEY ORDER for almost & XXXX, an employee I intercepted the payment for their PERSONAL USE! It was traced and came back with a signature on the back and the date! XXXX, denied the claims and continued to charge us for the payment not being received after we repeatedly made contact with them on the incident! This in turn caused my husband and I to file for protection against foreclosure of our home, using the XXXX XXXXXXXX bankruptcy protection! We have received no compensation from XXXX but since then we have moved on from this company and we are in another home. This was the only way to get out of the terms of this condition and we have NEVER RECEIVED ANY COMPENSATION FOR THIS MATTER, AND NOT EVEN A SIMPLE APOLOGY!

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