vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Hello, My first in counter of any fraud on my Home depot, was a email alert sent from The Home Depot Consumer Credit Card, and in this email alert, was informing me We noticed suspicious activity on your Home Depot account. 

Exclamation Point ACTION REQUIRED This is a screenshot of that in the email sent to me from the Bank the store credit is issue from was letting my know that a Exclamation Point Review the recent activity below Hi, XXXX. Let us know immediately if you, or anyone you authorized, used your Home Depot account ending in XXXX for the transaction ( s ) noted below. You may not be able to make purchases on your Home Depot account until we hear back from you. 

the amount of activity was a purchase Amount : {$1100.00} Date : XX/XX/2022 Merchant : THE HOME DEPOT Location : XXXX XXXX, CA Charge Status : Referred Amount : {$590.00} Date : XX/XX/2022 Merchant : THE HOME DEPOT Location : XXXX XXXX, CA Charge Status : Referred This was sent to me, and also asked if recognize the charge ( s ) above My response was no, and that had never ever been to location in life. California is very large state and there is area of California that I have not travel. After there investigation, It seems since they were not able to find the real criminals. The Store is not reversing the purchases back onto my count so that will be liable for payment of these unauthorized purchased that I did not due the my card was lost or stolen with out my knowledge. I I did make several attempts to explain that I would not even know about any fraudulent happen on my account if I had not received the email alert informing me of the criminal activity happen on my account. I have decided to close this account, because very disappointed how the investigation department has handle this criminal on my account. I dealing hardship with a lost of a family all during the time I'm dealing with issue. 
I would appreciate all help you can assist in fighting battle of unjust and unfair towards. 

Thanks advance,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Incorrect information was listed in my report. I sent it to all the credit report agencies and requested them to investigate and check my files. But my credit is still being affected by that information. The credit bureau did not do anything to remove the erroneous information listed below. 
INACCURATE NAME : XXXX, XXXX, XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX XXXX Date Updated : XX/XX/2016

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 2022-07-29 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: CCS Financial Services, Inc.
State: TX

Complaint narrative:
A bad report was listed under XXXX Credit Score. We disputed with XXXX. We contacted the filer of the report, Credit Control Services ( or according to person the actual name is Credit Collection Services ). XXXX  report shows entity name as Credit Control Services. Were told the initial collection request came from XXXX XXXX and XXXX XXXX. We contacted XXXX XXXX and XXXX, they showed no policies for us that had any collection attached. We then contacted Credit Control Services ( Credit Collection Services ) again who stated that the birthday and home address were not the same as they showed for the collection.However, it was put on our credit report. We have been speaking with XXXX agent who stated we should file either a police report or complaint to you for additional supporting documentation. 
Also, we have never received any notifications from XXXX XXXX and XXXX or from Credit Control Services.

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: OK

Complaint narrative:
I opened a savings account with Citibank on XX/XX/XXXX Initiated two deposits {$5000.00} and {$500.00} from two separate checking accounts with two separate banks on XX/XX/XXXX. 

On XX/XX/XXXX I received an email stating that my account was closed due to a violation of the terms of my account. ( other than these transfers and setting up paperless billing, I did nothing else to this account ) Called Citi on XX/XX/XXXX to see what had happened. They told me nothing except that my account was locked, I have to wait 60 days to access my funds. They said there was suspicion of fraud, but would not even tell me why my account was locked. 

I received my Citi debit card approximately XX/XX/XXXX. 

Called Citi again on XX/XX/XXXX as unexpected expenses have arisen, and I need access to my funds that are being held by Citi. I received the same response as before, wait 60 days and they will not tell me why my account was locked in the first place. I asked to speak to a supervisor, I was told none were available. I asked when one would be available, so the call center employee took my number and said one would get back to me. Based on my current experience with this company 's customer service department, I assume this call will never happen and decided to file a complaint with CFPB.

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 2022-07-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: ARVEST BANK GROUP, INC.
State: OK

Complaint narrative:
We are a small business. We have been doing busine4ss with Arvest Bank since XXXX. Since XXXX of XXXX we have had nothing but problems. We have spent countless hours on the phone and in person with the bank trying to resolve the issues and get answers. To date all we have gotten is the run around. Being transferred from one department to the next or being told that it is not the bank it is the credit card machine company ( which was purchased from Arvest ) and that they have no control over it or the thousands of dollars being taken from our account. 
We completely stopped using this account in XXXX of XXXX and to date thousands of dollars are being taken daily with no explanation! We have deposited cash that has not shown causing overdrafts. When the mistake is finally found, they have refused to reimburse the overdraft fees. We have tried to close the account numerous times, but Arvest has refused to allow us to do so. We are at a point we might have to close our doors and file bankruptcy over the issues caused by the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I received an email on XX/XX/22 informing me that my account was overdrawn and that I had 15 days to make a payment before my account would be closed. On XX/XX/22 I added funds to the account. On XX/XX/22 I received another email informing me that my account was now closed. I called the number listed for customer service informing each of the representatives that I spoke with that my account was closed even though the email stated that I had 15 days from XX/XX/22 before it would be if I did not add funds. 

No one cared. Everyone reiterated what I had already told them which was that the account was closed. I asked to speak with a manager and was denied and then the representative hung the phone up in my face. Another representative pretended not to hear me anymore and then ended the call. Another representative suggested I go to a branch when there are no branches anywhere near me or open another account, and why would I do that when I feel like Ive just been scammed. 

Clearly this is a level of fraud to tell someone that they have a certain time frame to make a payment and once the payment is made you close the 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 2022-07-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-07-29 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I do not dispute that the account is paid off in full late. I dispute the inconsistancies in your credit reporting to the different agencies. My account is paid off and paid in full. You have reported false information dollar amounts to all three credit agencies. You can not update because I brought this to your attention. You should have known that your reporting is inaccurate across the three agencies. you have to delete. 
accoding to 15 US CODE 1681 ( a ) ( G ) ( A ) In general ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer ( ME ) and the consumer notifies the agency directly, or indirectly through a reseller ( CAPITAL ONE ), of such dispute, the agency ( CAPITAL ONE ) shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status ( CLOSED ) of the disputed information, or DELETE the item from the file in accordance with paragraph ( 5 ) ( INACCURACIES ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-07-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I'm unable to make a Principal Only payment through the website or the Mobile app. 

On the website, the option is not available. 

In the mobile app, the option is available, but disappears once I select a payment method. 

I called in to Customer Service XX/XX/2022 XXXX AM and spoke to multiple people. None of which could resolve the issue.

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 2022-07-29 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: EOS Holdings, Inc.
State: PA

Complaint narrative:
In XX/XX/XXXX, I ended my service with XXXX XXXX and paid my final bill through XXXX XXXX. I am attaching bank statements and a clearance letter from XXXX XXXX on behalf of XXXX that I had no balance with them as of XX/XX/XXXX. I have not been a XXXX customer since then. 

In XX/XX/XXXX, two years later, a company named EOS CCA opened a collection account on me for what they said was a debt to XXXX- the same exact debt that had been paid years prior. 

I reached out to EOS on multiple occasions, and even showed the proof I paid. The only solution they gave me was to pay this debt a second time. 

I then reached out to XXXX, and after some research they realized a huge mistake had been made - that there was not a debt I owed. One of the executive employees suggested in a general sense that there was a communication error between departments. 

Since reaching out to XXXX 's executive office, they have tried tirelessly to get EOS CCA to either delete this incorrect negative mark, or to sell back the account to XXXX so that XXXX can do right by me. EOS CCA refuses to comply with them. I have communications with XXXX 's executive office stating such, and I even have an email from XXXX XXXX, EVP of XXXX, stating that he requested this collection account be deleted on XX/XX/XXXX. It still has not though, and I believe this is of no fault on XXXX 's part. I truly believe they have exhausted all resources in an effort to get EOS CCA to make this right. XXXX XXXX suggested I work directly with both XXXX and XXXX, because since he does not own the account, he can not delete it from my credit report himself. 

I did just that last week- I filed an online dispute with both XXXX and XXXX. Within 24 hours of me submitting all of my documentation, XXXX notified me the account was deleted from my credit report. This tells me my documentation was significant. However, when I attached the same documentation on to my XXXX dispute, XXXX called the debt valid and would not delete it. When I called to inquire, and spoke to a supervisor, I was told that XXXX 's policy is to only contact the owner of the account, which is EOS, and EOS said the debt was valid. Considering they have received official notifications from XXXX that this debt is wrong, I'm shocked that they could even lie to an official credit bureau. 

I am asking that you please help me stop EOS from inaccurately reporting on my XXXX report, and continuing to destroy my credit. I have incurred financial expenses at this point due to the high interest rates I keep receiving as a result of this collection. In addition, my fianc and I are forced to rent rather than buy after recently selling our homes because of this blemish on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXXXXXX XXXX  XXXX acct # 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 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 2022-07-29 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: CA

Complaint narrative:
Incorrect information was listed in my report. I sent it to all the credit report agencies and requested them to investigate and check my files. But my credit is still being affected by that information. The credit bureau did not do anything to remove the erroneous information listed below. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I'm pleased to see several improvements made to my report, including the deletion of some accounts I had previously disputed. However, there are still a few accounts on my report that are false and the result of identity theft. I request your assistance in getting rid of the last few items on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any accounts that have been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
XXXX  XXXX XXXX Balance Owed : {$430.00} XXXX  XXXX Balance Owed : {$1000.00} XXXX  XXXX Balance Owed : {$1300.00} XXXX XXXX  XXXX Balance Owed : {$700.00} XXXX XXXX XXXX XXXX Balance Owed : {$410.00} XXXX XXXX Balance Owed : {$11000.00} XXXX XXXX  XXXX Balance Owed : {$0.00}

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