vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I have several store cards and one general credit card with XXXX Bank ( now XXXX XXXX ). I have paid them all on time and some in full or down substantially over the last few months. XXXX has not reported any of my on time payments nor the correct balances since XX/XX/2022. All of this would be impactful to my credit score as I am looking to buy a house relatively soon. I would like them to accurately reflect my payment history and balances. I called to get a balance letter for one of my accounts and they told me ( as they have others ) they have had system issues. I can understand a one month issue maybe two but now we are heading into XXXX which would make this the 4th or 5th month with inaccurate reporting. It is unacceptable and they need to do better.

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 2022-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
A checking account was opened using my ssn with Bank of America on XX/XX/22. I am not a current customer of Bank of America. I started a claim with them today, XX/XX/22. 
I discovered this because a series of emails came to my personal email account, first starting with the confirm your email address email. I believe the fraudster accessed my email to do the email confirmation so they could receive a one time passcode. After this they submitted their request to open a checking account which I saw the email indicating this. Next, another email came in confirming the checking account was opened. After this the fraudster then opened an online/mobile banking account with Bank of America which I received an email confirmation for. Then, the fraudster updated their email with Bank of America bc I received another email stating this. I reset my personal email password after I saw these emails. The next day, XX/XX/22, I received another email from Bank of America asking me to confirm my email address again, Im guessing maybe they were trying to open another account. No further suspicious emails came in after XX/XX/22. I have since put a fraud alert with all 3 credit bureaus, put a freeze on and set a security alert with XXXX. The type of checking account with Bank of America was a XXXX XXXX bank account that Bank of America is running a promotion for where you can receive {$100.00} if you open one. I believe this is the driver for fraudulent account openings.

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 2022-10-21 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: Exeter Finance, LLC.
State: CA

Complaint narrative:
They never respond to me and continually report wrong information on all 3 of my reports, I have submitted paperwork asking them to remove it from my report, this company Exeter finance has been reported to the XXXX XXXX XXXX for there unsavory practices to the consumer, they have had many complaints filed against them from consumers to the XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: GA

Complaint narrative:
while living XXXX XXXX XXXX XXXX  I XXXX XXXX open a US bank Checking account in XXXX and I relocated to XXXX  in XXXX where there are no US Banks. On XXXX I called and requested that my checking account be closed and the representative stated that the remaining balance of XXXX will be mailed to my current address via a cashier check. On XXXX I received a postcard from US Bank stating that I have insufficient funds. I immediately called US Bank to inquire why I owe on a closed account and the representative relayed that a transaction was presented to the account on XXXX and was paid. I was given different reasons why the transaction was paid but could not get an answer to why a transaction was paid on a closed account, but was told that someone will give me a call within 48 hours. So I have no cashier 's check or no return phone call as of yet.

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 2022-10-21 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: GA

Complaint narrative:
I disputed this inaccurate information to XXXX, Transunion, and XXXX  sometime in mid 2021 and the denied my request, but I included my Federal Trade Commission Fraud report and all proper I.D . I am in the process of disputing this issue again. This time I will include the police report and this complaint. Because I did not open or have knowledge of these accounts until my first dispute.

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 2022-10-21 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: GA

Complaint narrative:
I disputed this inaccurate information to XXXX, XXXX, and Experian sometime in mid 2021 and the denied my request, but I included my Federal Trade Commission Fraud report and all proper I.D . I am in the process of disputing this issue again. This time I will include the police report and this complaint. Because I did not open or have knowledge of these accounts until my first dispute.

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 2022-10-21 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
My father passed away in XX/XX/XXXX and I purchased his home from the estate in XX/XX/XXXX. 

During the estate process, the bank, Fifth Third Bank, never sent a bill for the HELOC. Not once. For over two years. There was no bill to indicate this debt existed. 

Fifth Third Bank did not engage with the estate process. Had they engaged with the estate process, we would have known this debt existed. 

Fifth Third Bank also made a mistake on the mortgage document and the mortgage modification agreement. They listed the incorrect property on the front page but got the legal description right on the addendum. 

Before I purchased the property, I called the recorder 's office to see if there was a mortgage on the property. They said no, because they only looked at the front page. Had Fifth Third Bank gotten the correct property address on the front page of their mortgage agreement, we would have known the debt existed. 

So I purchased the property for cash and then the bank sued for foreclosure. I did not get title insurance on the property because my father owned it for over 50 years. 

The bank 's attorney says the three mistakes made by the bank are irrelevant because they got the legal description right on the addendum. They intend to take the property in foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 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: M&T BANK CORPORATION
State: PA

Complaint narrative:
This case is about {$8000.00} being taken out of my account at M & T bank on XX/XX/2022 without my knowledge or permission.M & T bank should have notified me of a large transaction like this if I authorized it or not.The account was suppose to being watched for suspicious behavior the IT staff at M & T should have thrown a flag up with this large of a withdrawal.I should have been notified.When I discovered this I was at the bank before they opened and waited for the Manager and disclosed what happened.My account was compromised and the banks job is to protect their Customers assets.I started a dispute with M & T bank and they should in good faith return the money that was taken out of my account.It is the banks responsibility to protect at all times the customers hard earned money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
Received 3 emails from Bank of America. Account to be open, XXXX  XXXX  Account : Confirm email, account to open being processed and confirmation of account approved. XXXX ( est ) XXXX ( est )

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 2022-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
I feel like im being taken advantage of and being ignored of my disputes. I am not receiving adequate valid verification. I have not received any documentation to corroborate the claim for this negative listing on my Chexsystems report. I am asking to be provided with any and all documents bearing my signature that legally binds and contractual obligation for this account. Absent of these documents you are illegally reporting this negative listing and will be liable to me for the stress this has caused me. Please provide the required documentation or remove this unlawful listing at once. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2022-10-21 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: TX

Complaint narrative:
I would like to place a formal complaint against for violating Experian my FCRA rights and my privacy. They have placed XXXX public records on my consumer report that should not be there : Public Record - XXXX XXXX XXXX - Reference # XXXX Public Record - XXXX XXXX XXXX XXXX - Reference # XXXX I reached out to the courts who verified that they do not report bankruptcies to the credit bureaus. I have attached the letter that I received from the court. They are in violation of my rights pursuant 15 usc 1681b under permissible purpose. They never validated nor verified anything with anyone at the courts. XXXX is violating multiple laws including : The reporting requirements do not comply with FCRA 611 ( 15 U.S.C 681I ) and the information must be deleted immediately. The civil liability law which I will sue under is clearly here : 15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Failure to Comply or delete these items is a clear violation : Public Record - XXXX XXXX XXXX  - Reference # XXXX Public Record - XXXX XXXX XXXX XXXX - Reference # XXXX. Code 1681n - Civil liability for willful noncompliance ( a ) In generalAny person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; 15 U.S. Code 1681o Civil liability for negligent noncompliance- ( a ) In general Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure ; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. Under 15 US Code 1681a ( 4 ) as a consumer I have right to privacy and these inaccurate items must be deleted from my consumer report. Please help me get this violation removed from my credit report. They are unverifiable. Please see also the attached dispute which also points out multiple inaccuracies.

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 2022-10-21 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: Kashia Services
State: CA

Complaint narrative:
I was approved for a online payday loan of XXXX  on XX/XX/2022 and went effective XX/XX/2022. This company obtained all my personal financial information such as checking account number, routing number, id, social security and address. 
I never received the money yet I keep getting notifications from XXXX XXXX that my information has been compromised. 
I have tracked down their contact information and address. I have called and called and can not get through to anyone. It says it will call me back. The address is a XXXX XXXX so i can not go to the actual place and meet with anyone. 
I dont know what i should do, as i am completely frustrated. 
Please advise. 
Many Thanks XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
An unauthorized inquiry were made by XXXX on my credit report this was not recognized or authorized requesting immediate removal.

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 2022-10-21 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: FL

Complaint narrative:
This is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter. Its been more than 60 days and not response via email and i am SO MUCH DISAPPOINTED. The ACCOUNT on my report is inaccurate and unverifiable.. I am authorizing this complaint with proof of the disputes i sent out. Now please help me TO REVIEW THIS COMPLAINT, PLEASE REVIEW ; REMOVEOR UPDATE THE ACCOUNT IMMEDIATELY inaccurateacross all XXXX bureaus his is an error this account in violation. 
XXXX XXXX XXXX Account number : XXXX I have paid as agreed on time this is an error please audit the account and update to paid as agreed 2.This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
Account number : XXXX As a consumer by law this account must be deleted immediately. 
3. .This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
XXXX XXXX Account XXXX As a consumer by law this account must be deleted immediately. 
4. Under 15 USC 1666B this is a billing error Date last active and date of last payment shows inaccurateacross all XXXX bureaus his is an error this account in violation. 
XXXX Account number XXXX I have paid as agreed on time this is an error please audit the account and update to paid as agreed Really appreciate your time and effort.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I purchased an XXXX gift card from a local XXXX store on XX/XX/22 at XXXX using the Capitone credit car, in the amount of {$100.00}. I was not able to redeem the amount after I got home as the XXXX gift card system stated the gift card was already redeemed. After speaking with XXXX they advised the gift card was redeemed at XXXX, which was before my purchase was made. I went back to XXXX store manager, who refused to issue the refund due to XXXX gift card policy, however, he did mention that another customer had the same issue. XXXX customer service advised they flagged the account that redeemed the gift card, but not able to release account information to me because of privacy issue. 

I filed the transaction dispute with Capital One. Capital One requested a copy of the purchase receipt, which I provided via fax. Capital One also requests proof of contact with XXXX, such as email. I explained that this is purchased in the store, where I spoke with the store manager in person, there is no written contract with the store. Capital One refused to issue chargeback to XXXX due to my lack of proof of dispute. 

I hereby to request Capital One to contact either XXXX or XXXX to get this issue resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Back in XX/XX/XXXX I made XXXX payments on my Citi XXXX card in the amount of {$25.00} & {$40.00}. The {$25.00} payment was paid manually on XX/XX/XXXX while the other payment of {$40.00} was taken out on XX/XX/XXXX. I had honestly forgot to cancel the the autopay payment of {$40.00} bucks. By the time I realized what happened the payment was taken & my checking account didnt have enough funds after the XXXX of XXXX because this account is set up to pay specific bills so theres a certain amount of money in this account. 

Realizing what happened I called Citi and spoke to a representative & asked for the {$25.00} payment back to cover the {$40.00} auto payment which normally gets taken out my checking account in 3 days. I also added money to my checking account just to make sure the payment was covered for XXXX. But that didnt happen because I was hit with a return check fee of {$20.00} bucks & then after that happened it just seemed as if Citi was just out to target my Citi XXXX card. 

In XX/XX/XXXX I received a letter from Citi stating my account is closed. XX/XX/XXXX to be exact I also have it in the attached documents. I really didnt understand why my account would be closed over a return check fee & a missed payment so thats when I called and spoke to a Citi representative in which the representative did an application to reopen the account. The account was never reopened and I received a letter on XX/XX/XXXX saying were unable to reopen your account & that letter is also in the attached documents. Also I made a payment of {$40.00} on XX/XX/XXXX, so I made up for XXXX & while paying XXXX bill even though my account was closed for NO REASON. 

I say NO REASON because this is the ONLY year which I had issues with my Citi account. I received XXXX return check fee & missed XXXX payment does that mean my account should closed the next month? Ive had this Citi account for at least 5 years never missed a payment and this is how my account is treated? Its RIDICULOUS & annoying because it took no time for Citi to close my 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
Consumer complaint received 2022-10-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Despite my three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly. Who verified the accounts? How did they verify? You still have not provided me with the name of the individual, business address and telephone number of the person or business contacted during your re-investigation. You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my name on it ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA- you are required to ... promptly DELETE all information which can not be verified. 

* Dept of EdXXXX XXXX - XX/XX/XXXX * Dept of EdXXXX  XXXX - XX/XX/XXXX * Dept of EdXXXX XXXXXXXX - XX/XX/XXXX * Dept of EdXXXX  XXXX - XX/XX/XXXX * Dept of Ed/XXXX XXXX - XX/XX/XXXX * Dept of EdXXXX XXXXXXXX - XX/XX/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