vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-29 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: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/2022 and XX/XX/2022, {XXXX} was withdrawn each day for a total of {XXXX}. I visited my bank 's branch office for information regarding these unauthorized withdrawals from my checking account. I was assured that the bank would get back to me to provide information concerning these withdrawals. My checking account was blocked by the bank, and they subsequently opened a new account. I was telephoned two weeks prior by the bank 's fraud department to advise me that my account appeared to have been compromised. They asked if I had authorized payments from North Carolina, and New York. They further told me that someone had completed monthly automatic deductions to pay for a TV entertainment subscription. Realizing that the bank had not discharged its custodial responsibilities to authenticate authorization caused me much alarm. 
In response to my trip to my bank branch, I received a letter from the bank dated XX/XX/2022 which was supposed to detail what transpired to permit unauthorized withdrawals from my account. They wrote " After reviewing all relevant elements internal records and the information that you provided us, we have concluded that there are elements of your claim that lack credibility. Given the results of our investigation, we believe that the transactions that comprise your claim must be considered authorized and, as a result, we are unable to honor it ''. 
This generic copy and paste response from the bank does not address any of my questions or the bank 's negligence in securing proper authorization prior to transactions. There is no evidence that supports the bank 's justification or conclusions. justification. I did not personally provide any information directly to the bank 's fraud department. The information the bank received was telephoned in directly by my branch personnel. The bank 's conclusions could not be the result of any information I gave, as all the information submitted was given by phone by the branch employee. The purpose of my trip to the branch was to obtain the details of the so-called elements that the bank infers.

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 2022-03-29 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act these companies listed below, 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 an account without my written instructions XXXX  ( Acc # XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX ( # XXXX ) XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX would like to also add that XXXX XXXX XXXX and XXXX XXXX are reporting from the same creditor as well.

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 2022-03-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: SC

Complaint narrative:
We sent certified to Mr. Cooper and the issue is still unresolved. After Mr. Cooper 's review is still are short in escrow, due to their errors since XXXX example : Starting XXXX XXXXwe start the year with {$390.00} plusand all the way through XXXX XXXX with a positive amount.Started XXXX XXXX with negative {$90.00} and we were paying {$210.00} every month in escrow until XXXX. XXXX escrow should have stayed the same or slight increase.Mr. Cooper decreased our escrow starting from XXXX. XXXX from {$210.00} to {$130.00} until XXXX XXXX causing a huge shortage coming out of XXXXMr. Cooper states that 2 homeowners insurance submitted for payment - both from the same company on XXXX XXXX, XXXX the amount of {$1100.00}. and then XXXX XXXX, XXXX {$70.00} came-but Mr. Cooper only included {$70.00} in escrow analysis for XXXX. 
Other errors by Mr. Cooper were the following : We pay 2 taxes : a property tax and home taxMr. Cooper is charging us a misc. tax - which the state of SC knows nothing about.From XXXX {$220.00} shortage for the year - which increased our mortgage payment to $ XXXX.From XXXX {$120.00} shortage for the year-mortgage went to $ XXXXFrom XXXX $ XXXXshortage for the year-mortgage went to $ XXXXThrough no fault of ours-the payment should not have dropped that low. 
The reason they gave us again was the escrow analysis only included the {$70.00} the error on their part.We are not aware of how the insurance company submitted for payment. 
The escrow analysis in XXXX XXXXfrom Mr. Cooper- is showing a {$3200.00} shortage.The analysis is showing what our new mortgage payment would be from {$770.00} to $ XXXX6.Mr. Cooper after submitting all the paper work pointing out errors that were made completed supposedly another anaylsis : $ XXXX taking our mortage to $ 1,012.07.Taking {$360.00} from the original {$3200.00}. Payment to escrow amount $ XXXX mortgage payment of XXXX {$370.00} went to escrow.Still say we owe {$2900.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 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: CA

Complaint narrative:
In accordance with the fair credit reporting act. Everything has to be 100 % accurate on my credit report. 

The credit bureau stated my account was properly investigated and accurate, however that is not possible because there are still inaccuracies remaining on my credit report. 
Attached is a copy of my report with the inaccuracies circled in red. 

RE : XXXX XXXX Account : XXXX In accordance with the Fair Credit Reporting act 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 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: TX

Complaint narrative:
I went on XXXX, a company that allows peer to peer in purchasing and trading cryptocurrency. I got involved with a person whom we were chatt With each other and decided to make a purchase through PayPal. I sent the payment and completed the transaction Then on her side it said pending so she could not do anything yet.this was about 5 mins later I told her she needs to send my crypto to me, meanwhile I contacted PayPal and filed a dispute to cancel, it was sent through friends and family method but immediately I tried to cancel and do I dispute this transaction. Because she said she did not receive my payment and PayPal says pending. I called everyday trying to dispute this pending transaction. PayPal closed my case and then sent the money to that person. That person decided to ignore everything and kept my money. I have tried calling my bank which was throug XXXX  they said its PayPal whom I need to get in toouch with me. That person is totally aware she stole my money. It is PayPal whom disregard my pleas to cancel that transaction and then payment was taken out of my account immediately and was pending for three days in which everyday I was trying to cancel this payment. Please help. That lady still holds an account with PayPal and I have messaged her through PayPal and she declined my request on PayPal. I have all the back in forth interactions with that person. She is aware she scammed me through PayPal. PayPal agreed the money was sent correctly even though 5 mins after I have been trying to cancel this payment please help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
Person call spouse phone first then my cell. Said I was being suited for unpaid account on a XXXX XXXX XXXX. But suit goes back to XXXX. I have currently XXXX and my spouse Id financed thru XXXX. I call capital one which they said was the suit for and said BOTH MY ACCOUNTS ARE INGOOD STANDING AND PHONE CALL DID NOT COME FROM THEM. The numbers that were given to me were : Phone. XXXX on acct # XXXX court case file # XXXX. This is XXXX and Hope you can stop this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 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: PA

Complaint narrative:
I XXXX XXXX have been treated unfairly by this consumer reporting agency and they have been using my private consumer information without my consent. 15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I've not given verbal or written consent to any agency for them to us any information. 15 U.S. code 1681c-2 allows the consumer to block and remove all information that resulted from identity theft, If you follow the guide line which they provide. Please inform them of these rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
For the last XXXX time to Experian I sent 2 letter to remove all inaccurate names and addresses or job from my credit report Even I sent those 2 letter to Experian they didnt remove the inaccurate name or addresses from my credit report I told Experian I only want my current name on my credit report I told Experian several times to remove all inaccurate names and addresses from my credit report or inaccurate job history I want only one name XXXX XXXX XXXX address My current address XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX And also I dont work on XXXX XXXX But Experian ignored my legal dispute 2 times and violated the law I will have this last complain as prove for the judge Now that I see that Experian is doing negligence and not even investigating All the proves I sent to Experian such a ID and proof of address and oven like that Experian denied my right for fair credit report and affected my life negatively for their negligence on my credit report This is an extreme abuse by Experian and also unlawful Experian thinks is over the United States law Or over the fair credit act I did 2 legal disputes to Experian and they didnt even sent me credit report Or inform me about the disputes This a ruthless organization That dont comply with the law

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 2022-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Credit report shows an invalid address, called Experian to remove and update with correct address, they state because a credit company has it verified they can not remove the address, however the address is no such address. This is how it is listed on my credit profile in my personal information section. They refuse to fix this address and tell me to contact the credit company to have them fix it. 

XXXX XXXX XXXX # XXXX XXXX XXXX, TX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-29 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Giggle Finance Inc.
State: NV

Complaint narrative:
Today, I was told I was approved for a loan and I signed the contract. However, after I signed the contract I never received another email and the funds were never deposited into my account. 

I contacted the company and they provided the following response : Although you were initially approved by our automated review, our underwriting team takes many factors into consideration other than cash flow prior to final approval for funding. Unfortunately, you didnt meet our funding criteria to proceed. Thank you for considering us for your financing & good luck with your gig ventures! 

Best, Giggle Finance

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 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 XXXX Account # 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 an account without my written instructions

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 2022-03-29 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: NM

Complaint narrative:
For the past five years, I have attempted to contact the credit reporting agencies regarding incorrect items on my credit file that don't belong to me. It appears to me that someone has my personal information and has been establishing fraudulent credit in my name. I have put several fraud alerts on my file. The most recent is for {$970.00} from XXXX XXXX XXXX XXXX XXXX services opened on XX/XX/XXXX. And there's the XXXX auto finance for {$7700.00} back in XXXX. I have attempted to contact the auto company for years to dispute this charge. I have now filed a police report because this fraud continues and it is exhausting trying to fix my name and financial credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
I went onto the Truist website to check the amount balance on my mortgage. I then went to make a payment and the option to go directly to the mortgage company is no longer available. All of this occurred on XX/XX/22. I have tried to call the company and I have been on hold for over 2 hours. When I was connected to a live individual, then they said they would issue a complaint which will be noted about the website. I asked how I can pay my mortgage, and the individual provided no response. I was then suggested to be transferred again with no support. There is no way to contact the bank through email to have my complaints addressed. On the website it states that if you login, then all services will be available. However, once logged in there is no website to pay online. To pay over the phone is an additional fee. The last occasion I paid in person, the amount went missing and applied incorrectly. When I last sent in an amount via snail mail, it was not received in time and I received a penalty. Therefore, having a mortgage site up and available for easy access to users would solve the problem. However, Triust Bank/ Mortgage does not support their customers.

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 2022-03-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I applied and received a Citi Bank Credit Card in XX/XX/2021. When I received the card, the envelope was completely ripped open and I immediately notified Citi Bank and was informed it was an identify theft risk and that a new card would be sent out. I did not receive the new card for over 3 weeks and activated it on XXXX. The initial promotional offer ( which is why I wanted this card ) was for XXXX " thank you '' points after spending XXXX in the first 3 months. Well, Citi decided to 1. start the clock when they sent the 1st card which wasn't used and the offer expired on XXXX even though the promotional offer should be from card activation on XXXX ( which would extend to XXXX ). 2. I received an annual fee bill of {XXXX} on XXXX which is before I even received the replacement card!!! I spent 2 hours on the phone with a variety of people, including the first associate who informed me I needed to send a letter to a XXXX XXXX XXXX XXXX XXXX, SD which was certified by the XXXX XXXX. It is not right they did not honor the promotional value of the card, and sent the replacement card so slowly. It is incredibly bad professionalism. They finally ( after 2 hours on the phone ) agreed to credit the {XXXX} annual fee since I opted to close my card. Pending to receive a refund.

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 2022-03-30 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: DC

Complaint narrative:
ACCOUNTS AND INQUIRIES WERE CREATED FROM UNAUTHORIZED USE OF MY SOCIAL SECURITY NUMBER AND CARD I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THE FOLLOWING ALLEGED ACCOUNTS TO 15 U.S. CODE 1602 ( p ). BLOCK AND REMOVE THEM. PURSUANT TO 15 U.S. CODE 1681C-2. THIS FTC REPORT W ERROR. I ALSO DID NOT RECEIVE ANY SERVICES. IF YOU THINK I DID PLEASE HAVE A SENIOR EXECUTIVE PRO THE PENALTY OF PEJURY.

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 2022-03-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: MI

Complaint narrative:
I have called Truist 3 times about my mortgage payment. I had no issues with SunTrust. I was set up to have my payment come from savings. Since Truist took over they are hitting my checking account. They charged me an NSF fee. Told me they would take it off my account due to their error, but instead continued to charge me the NSF. Asked them to fix the account so they hit savings. Employees could not figure out how to do it. They hit my checking again. They wont answer the phone. They dont have the ability to accept emails. Employee I did talk to the one time told me I needed to talk to digital support if it hit checking again. So I called that line only to get Life Line wanting to give me a button to wear around your neck. This bank is the worst ever!!

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 2022-03-29 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: EQUIFAX, INC.
State: WV

Complaint narrative:
EQUIFAX BROKE THE LAW! On XX/XX/XXXX I submitted a complaint through the CFPB about being denied my consumer report. At which time, I expressly requested My " Complete '' Consumer Report AND FILE. I did not request a portion of my consumer report and file nor even mention anything whatsoever having to do with specific " account names '', " numbers '' or any " disputes ''. I was simply trying to get access MY INFORMATION they have stored. Although my initial failed attempts to access MY INFORMATION could've possibly been passed off as computer error, their response to my CFPB complaint issued on XX/XX/XXXX CAN NOT and I have uploaded that response here as an exhibit to the fact. SO, THIS COMPLAINT CONTAINS XXXX ADDITIONAL VIOLATIONS OF FEDERAL LAW! Equifax broke the law by denying to provide ALL of the information in my Consumer Report AND FILE as I requested and thus closing the matter. 
609. Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : ( 1 ) All information in the consumers file at the time of the request 610. Conditions and form of disclosure to consumers [ 15 U.S.C. 1681h ] ( a ) In General ( 2 ) Disclosure in writing. Except as provided in subsection ( b ), the disclosures required to be made under section 609 [ 1681g ] shall be provided under that section in writing.

Company response to consumer: Closed with explanation