vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I just tried to access my Citi Bank Savings account since I received an email saying that the APY was increase on my account to XXXX XXXX. While I was trying to log in i receive a message saying that the account was inactive and that I needed to call a number. I proceeded to call the number and it was respond by a call center in XXXX. They got my info and transfer me to a different department. After doing so, an agent responded by saying that my account was terminated and that they couldn't talk to me anymore and just hung up on me. I tried calling again and requested to talk to a supervisor in the US. They trick me and pass me over to another agent in XXXX that had less of an accent but still was not American and when I caught them on the lie they just told me that they didn't have any employees in the US. Please not that this is a US bank that hold $ XXXX of my money. That person then passed me over to a " supervisor '' in XXXX and this guy told me that my account was closed and that I should be able to get my money back within XXXX to 60 days. 

This is unacceptable. This is all the cash I have and this people think they can just hold it from me? I need to make a $ XXXX payment on friday that will result on a penalty if I dont and Citi Bank wont even pass me over to US representative to give me a solution or at least an explanation? 

How is it possible that one of the largest banks of North America dont have a single employee in the continental US to address this type of issues that are time sensitive. This has to be illegal one way or the other. I have no issues now or never had any discrepancies or issues with the IRS. I don't have kids so I don't pay child support. The only institutions that can freeze my money is the federal Gobverment and thats no the case.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 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: FL

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately

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 2022-11-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America has frozen my visa credit card and they insist that I must drive 40 miles RT to a financial center to unfreeze my account. I am XXXX XXXX XXXX and I do not wish to drive that far in traffic to clear up a problem. 
I have online banking with BOA. BOA has partnered with XXXX and they have installed this program without my permission. Someone attempted to transfer money out of my checking account, using XXXX. But I understand the transfer did not take place. I have never used XXXX and I don't intend on ever using that service. I have no idea how the fraudster got into my bank account but I suspect my cell phone provided the path. In any case putting a freeze on my visa card is not going to cure anything, and BOA partnered with XXXX is a huge problem. BOA actually invites fraud using XXXX. It seems BOA is forcing me to change banks to one that is local because of the fraud that they have invited. Long story short, I am not driving the distance to clear this up. Our town lost our BOA center and now all I have left is an ATM in the parking lot.

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 2022-11-22 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: VA

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  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 2022-11-22 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: VA

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 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 explanation
Consumer complaint received 2022-11-22 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: NY

Complaint narrative:
I have a account with Equifax clearly they no that my name is XXXX XXXX But they constantly change it back to XXXX XXXX that is incorrect never have i used or used that name or alias. The also have blocked me from disputing this. Incorrect reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 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: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with SYNCB/JCP for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 
Unfortunately, I was in a financial dilemma due to XXXX XXXX As a result, some of my payments to you were delayed. Because your account with me is extremely important, I managed to borrow the money to cover the late payments. I made those payments 30/60 days late on a few occasions during the course of my situation, but I made sure to fulfill my obligation to ensure that your company suffered no loss. 
I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now those late marks on my credit reports have become detrimental. I am trying to apply for a new job, but the negative remarks are hurting my efforts. 

The credit bureaus have advised me that they will report anything as instructed by you, but they need to have that instruction in writing. I am pleading with you to help me and take into consideration how good of a customer I have been and how long I have had an account with you.

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 2022-11-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/2022, I disputed the following item on my credit report. THIS IS A FALSE INCORRECT INFO REPORTED BY XXXX XXXX XXXX. I WAS NOTIFIED BY THE INVESTIGATOR AT DEPT OF JUSTICE, US ATTORNEYS OFFICE, THIS COLLECTION COMPANY OPERATES UNDER VARIOUS NAMES, CREDIT CONTROL SERVICES, ETC AND HAS NUMEROUS COMPLAINTS IN THEIR DATABASE. THIS IS A FRAUD COLLECTION COMPANY. I HAD AN ACCOUNT WITH XXXX, THE DATE OF COLLECTION IS TOTALLY INCORRECT. I MOVED OUT OF THIS SERVICE ADDRESS IN XXXX XXXX 2022, XXXX XXXX IS REPORTING, XXXX DELINQUENCY, XX/XX/2022, WHICH IS TOTALLY FALSE AND INCORRECT. I PAID XXXX XXXX IN FULL. PLS SEE ATTACHED LETTER FROM EXECUTIVE OFFICE OF XXXX, WHERE ITS CLEARLY STATED " UPON FULL PAYMENT, ALL CREDIT COLLECTION MARKS WILL BE REMOVED ''. TRANSUNION HAS BEEN REPORTING FALSE INFO ON MY CREDIT REPORT, THE FIRST DELINQUENCY DATE IS INCORRECT, BALANCE IS INCORRECT, I DISPUTED THIS ITEM XXXX  TIMES WITH TRANSUNION, CALLED THEIR CUSTOMER SERVICE, I SPOKE TO MULTIPLE AGENTS, THEY PROMISED THAT THE MANAGER WILL CALL ME FOR MONTHS, I DID NOT GET ANY CALLBACKS, STILL THEY HAVE NOT CORRECTED THIS COLLECTION ITEM. UPON CONTACTING DOJ, A REP FROM TRANSUNION RESPONDED AND GIVING FALSE INFO IN HER LETTER, THE XXXX XXXX HAS CLEARLY STATED THEY ARE NO LONGER IN PARTNERSHIP WITH XXXX, AND HAVE REMOVED THIS, BUT TRANSUNION IS STILL REPORTING THIS NEGATIVE ITEM ON MY CREDIT FILE. PLEASE KINDLY HELP ME WITH THIS PROBLEM, THIS IS AFFECTING MY CREDIT SCORE AND I AM UNABLE TO GET HOUSING, CREDIT ETC.. THANK YOU SO MUCH. 


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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 2022-11-22 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
They still haven't gave me all my money back and they told me they was gon na give it back and I said that it was the the claim was pay in a resolve but I never got

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 2022-11-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: The Bureaus, Inc.
State: GA

Complaint narrative:
CFPB THIS IS NOT A DUPLICATE ACCOUNT I AM REQUESTNG THE AMOUNT OF A FRAUD ACCOUNT WHICH WAS LISTED WITHIN MY XXXX CASE. XXXX, THE TRUSTEE REFUSED TO INVESTIGATE THIS ACCOUNT. I FILED XXXX BECAUSE OF THE FRAUD. YOUR COMPANY FILED A XXXX CLAIM IN THE AMOUNT OF XXXX. I WAS PROVIDED WITH THE AMOUNT WHICH WAS PAID TO YOUR COMPANY BY YOUR XXXX XXXX. THIS CONSTITUTES XXXX FRAUD AND ALL WILL BE HELD ACCOUNTABLE. ALTHOUGH THE FRAUD ACCOUNT MAY HAVE BEEN DISCHARGED OR PAID, I AM IN NEED OF THE TOTAL AMOUNT OWING ASAP. 
I WILL COMPARE IT TO THE AMOUNT QUOTED TO ME. IT APPEARS COURT STAFF HAS ENGAGED IN UNETHICAL ACTIVITIES AS THE SITUATION AND NUMBER ARE NOT ADDING UP. THIS TRUSTEE HAS ALSO UTILIZED THIS SAME COMPANY TO COLLECT ON FRAUD CC ACCOUNTS WHICH IS VERY SUSPICIOUS. NONE WERE PAID BUT XXXX, BUT WHEN I SPOKE TO EACH XXXX XXXX  A NUMBER WAS GIVEN WHICH, WAS COMPLETELY DIFFERENT. THIS INDICATES THIS IS AN INTERNAL OPERATION. 

AGAIN, IT APPEARS THE PLAYERS IN THE GAME HAVE A PRE-ESTABLISHED RELATIONSHIP. ALTHOUGH, THERE MAY BE DIFFERENT ADDRESSES INDICATING DIFFERENT LOCATION FOR BUREAU INVESTMENT GROUP PORTFOLIO XXXX XXXX XXXX THIS IS TYPICAL DERAILMENT. 

ALSO, THE NAME OF THE AGENCY BUREAUS INVESTMENT GROUP PORTFOLIO XXXX XXXX XXXX, Like all debt buyers, they purchase account information from credit card companies, auto lenders, and other businesses. ( CITED FROM XXXX XXXX XXXX XXXX XXXX  THIS DOESN'T MEAN THERE IS NOT A CLICK OR PROFIT BEING DISPERSED AS A RESULT POSSIBLE LAWSUITS, I AM FAMILIAR WITH SUCH AGENCIES, HOWEVER WITH XXXX A TRUSTEE CAN SAY THEY SOLD AN ACCOUNT WHICH I THINK SHOULD NOT BE ALLOWED. IN ACTUALITY, THE ACCOUNT IF IT IS SOLD, COULD BE THE RESULT OF ID XXXX SINCE THERE WAS NOT FRAUD INVESTIGATION AS IT PERTAINS TO MY CASE. 

BOTTOMLINE NO ACCOUNT WAS SOLD MY THIS MONEY LIST ON THE PAYOUT WAS STOLEN.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23 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: TX

Complaint narrative:
Hello my name is XXXX XXXX and my social security number is XXXX. 
I have a XXXX from the VA.Gov Veteran 's XXXX XXXX and The www.USA.Gov Government and I have to tell you in order for you to help me further in my research. 

My contact information is XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX In order to save Myself a mental breakdown you can ask Cash app/Square Company for ALL The customers support messages I have sent them. They have failed to do some refunds for some money stolen from me while I was XXXX XXXX XXXX XXXX XXXX 

The issue with my money is a refund I need on the amounts of $ XXXX, $ XXXX {$300.00} And any other issues u have I did recently open up a new account so I might have an old inactive account from cash app. 

My XXXX cash app account links are $ XXXX And $ XXXX ( I currently not use ) $ Antonioreyestx Please contact www.fcc.gov to get access to my phone records.

Maybe www.nsa.gov might have access too Please contact the cash app company. 

XXXX https : //cash.app/contact

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I had a listing up on XXXX XXXX for a fish tank and a lady messaged me on XX/XX/2022 at around XXXX saying she wanted to buy it. It was {$20.00} and she said that she wanted to use XXXX, which I agreed to since I used it before and had no problems with it. I got an email saying that it was put on hold because she sent it with a business account and I had a personal account so it asked her to send {$250.00} to meet the requirement. I haven't used XXXX much so I thought that it was true and went with it. She sent me the money and afterwards, XXXX emailed me again to refund the money to her. I did and sent her {$250.00}. I got a 3rd email saying that I had to pay a {$300.00} fee and that's when I got suspicious and confronted the lady. She blocked me so I have no way to get her to send me the money and Chase said that they can't because I authorized the payment ( which, I didn't. I tried to send another message saying no but it did nothing. )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 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: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with XXXX XXXX for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 
Unfortunately, I was in a financial dilemma due to job loss. As a result, some of my payments to you were delayed. Because your account with me is extremely important, I managed to borrow the money to cover the late payments. I made those payments XX/XX/60 days late on a few occasions during the course of my situation, but I made sure to fulfill my obligation to ensure that your company suffered no loss. 
I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now those late marks on my credit reports have become detrimental. I am trying to apply for a new job, but the negative remarks are hurting my efforts. 

The credit bureaus have advised me that they will report anything as instructed by you, but they need to have that instruction in writing. I am pleading with you to help me and take into consideration how good of a customer I have been and how long I have had an account with you.

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 2022-11-22 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: Experian Information Solutions Inc.
State: KY

Complaint narrative:
XXXX XXXX XXXX XXXX show 4 different statuses for 1 account. I have submitted whistleblower protection due to identity fraud and false allegations being used in court to obtain my property and destroy my credit. Due to some incorrect information being submitted on my behalf to agencies that were suppose to look into these problems not condone frivolous allegations, I suffered irreparable damage to my credit and identity. I have enclosed a copy of where I could not get a police report for theft and the response I received in 2020 when the ftc complaint was filed.

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 2022-11-22 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: CarMax, Inc.
State: GA

Complaint narrative:
Account for a XXXX XXXX with carmax amount of {$21000.00} is supposed to be closed. The account was paid on the first car note but car was return due to electrical issues that Carmax couldnt fix. So that XXXX has been paid on time and was only supposed to be reported on my credit one time and I proved that it was paid with them because they asked me to send bank statements ( as CARMAX STATED THEY HAVENT RECEIVE PAYMENT ). I had to run my credit again for the car I have with carmax now ( XXXX ) and they received car title for vehicle ( XXXX ) on XX/XX/XXXX meaning that account is not supposed to report to my credit report anymore and should be closed. Carmax didnt call or authorize with me to put late payments for a closed account on my credit report. They keep marking my report late and that I owe another car note payment which I dont because they bought the car back from me.This account needs to be remove immediately as it harming my ability to obtain credit and a house due to this error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I provided all identification that you guys requested for my security freeze down below pdf

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 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: Affirm Holdings, Inc
State: SC

Complaint narrative:
I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with AFFIRM INC for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 
Unfortunately, I was in a financial dilemma due to job loss. As a result, some of my payments to you were delayed. Because your account with me is extremely important, I managed to borrow the money to cover the late payments. I made those payments 30/60 days late on a few occasions during the course of my situation, but I made sure to fulfill my obligation to ensure that your company suffered no loss. 
I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now those late marks on my credit reports have become detrimental. I am trying to apply for a new job, but the negative remarks are hurting my efforts. 
The credit bureaus have advised me that they will report anything as instructed by you, but they need to have that instruction in writing. I am pleading with you to help me and take into consideration how good of a customer I have been and how long I have had an account with you.

Company response to consumer: Closed with explanation