vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-22 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: CITIBANK, N.A.
State: MN

Complaint narrative:
I ended up losing my card about two weeks ago and Citi gave me a virtual number to use while I waited for my card. 

Made purchase and the scam company then locked my account. 

Date : XX/XX/XXXX Price : {$610.00} I called and they didn't really understand XXXX process of replacement card number, original acount ( that was lost ), and XXXX Virtual number. 

I used the Viritual number then later I merchant locked me out of my account. They don't help on the phone either,

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 2022-08-22 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: EQUIFAX, INC.
State: FL

Complaint narrative:
EQUIFAX is in violation of the 15 U.S.C 1681. I am a natural person. I am a living human being and as a consumer, I have rights under 15 U.S.C 1681. 

Equifax is govern by 15 U.S.C. and has violated my rights numerous times. 

I demand the following : 1. Accounts listed below to be REMOVED/ DELETED IMMEDIATELY 2. For EQUIFAX to ADD A BLOCK that will prevent the accounts listed below from being added back into my credit report. 
3. REMOVE / DELETE ALL inquiries ( hard and soft ) I DID NOT GIVE ANY WRITTEN PERMISSION TO EQUIFAX to furnish any of these accounts nor to add any inquiries in my credit report. 

XXXX XXXX XXXX XXXX - Account # XXXX XXXX XXXX XXXX - Account # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX My request is made because according to 15 U.S.C 1861 : I have the right to privacy 15 U.S. Code 1681 - Congressional findings and statement of purpose ( 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. 
15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I would like to see if you can accept additional documentation on my original claim. I called earlier and XXXX said I could not since it had already been sent to the company. I have a copy of a check sent to me by Bitcoin for $ XXXX that I was supposed to send to a bank in California for safekeeping from the hackers. I did that, then I started getting suspicious when they asked for another {$90000.00}. I emailed Bitcoin and asked for a copy of the font and back of the check with no response ever. 

I have also made 2 police reports that I made, 1 with the intake policeman at the police station, then it was turned over to the fraud department. They didn't deal with it at all. 

I contacted the FDIC and was referred to you. Please inform me of anything I can send in addition to what I have already sent in that would help to determine my case. 

I am XXXX XXXX XXXX next month and do not deal much on the computer and know what is expected in correspondence of this magnitude. This money was withdrawn from my retirement account as part of my daughter 's inheritance and she is very ill at the moment so I wanted to give it toher early. 

I can send you copies of the check and the police department. The hackers told me I couldn't go to the Bank to discuss this because they thought it was an inside job. That made sense to me because I never have that kind of money in my checking account.. I would like for the CFPB to wait until the decision has been made because I was told by the police not to communicate with Bitcoin or the hackers again after that. I don't want the hackers to be aware that I am delving deeper into this. I am old and not in great helalth, worked hard for my retirement. Please help I can fax the info to you or email it.

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 2022-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CULLEN/FROST BANKERS, INC.
State: TX

Complaint narrative:
I set up a money market account to protect my money. I was contacted on XXXX to purchase a product. I purchased it using XXXX. Once I sent the initial transaction, I was told they didn't receive it. I sent it again and was then told I needed to add more fees. I was then threatened to send more. Once I realized in was a scam, I tried to get it stopped, but I believe some of the transactions were not even authorized on my end. I went to my bank, they opened a case or so they said, and then a few days later demanded I close my account and move on. As you can see from the transactions I am about to list below, " just moving on '' is not right. I was scammed. I have the text messages to back up everything. This is not a small amount of money. Frost bank and XXXX have just thrown up their hands and said " oh well ''. 
Date. Amount. 
XX/XX/XXXX. {$250.00} XX/XX/XXXX {$750.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1500.00} XX/XX/XXXX {$1500.00} XX/XX/XXXX {$2000.00} XX/XX/XXXX {$2000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$2000.00} XX/XX/XXXX {$2000.00} XX/XX/XXXX {$2000.00} XX/XX/XXXX {$2000.00} XX/XX/XXXX {$2000.00} XX/XX/XXXX {$2000.00} XX/XX/XXXX {$2000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$2000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
Earlier this year I opened a complaint against USAA with the CFPB. Complaint number XXXX. I was notified by email on the XXXX of XX/XX/2022 that i would be contacted by XXXX XXXX XXXX regarding the resolution by USAA. On the XXXX XXXX XXXX called me approximately XXXX or XXXX minutes after XXXX central time. I was informed that I would be receiving a reimbursement for the fraudulently endorsed and deposited checks, totaling {$2200.00}, and that it would post to my savings account within XXXX business days. I called XXXX XXXX and USAA again the XXXX of XXXX recieving conflicting information from the bank 's representatives. Some said that i was getting nothing and to forget matter. Others when shown the answer from USAA to the CFPB stating that they were going to reimburse me as i had obviously never seen nor signed nor had anything to do with the checks that were stolen and fraudulently endorsed and deposited by my estranged wife and her family. I am now being told by USAA that I am not going to be receiving any money for the fraudulent check endorsements and deposits. Despite them telling me and the CFPB they are making me whole they are infact trying to make themselves look good and then reversing their decision in the most dishonorable and dishonest way imaginable. They are already 5 days past due with the deposit i was notified would be no later than the XXXX. As a result of their failure to keep their word i have been rendered homeless and my phone is cut off. I have expended an additional $ XXXX in moving and lodging expenses because of their shameful and dishonest actions involving my reimbursement. I wish them to make good on their stated intention to reimburse me the {$2200.00} as well as the other moneies expended by me resultant to their failure to keep their word.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22 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: NV

Complaint narrative:
I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.

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 2022-08-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: U.S. BANCORP
State: CA

Complaint narrative:
Good morning, Previously I had an outstanding balance with US Bank that I have since paid off. My credit union has advised me that US Bank has not removed my name from XXXX Please remove my debt immediately and provide a statement showing I no longer owe this debt to US Bank. 

Thank you for your time.

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 2022-08-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: CA

Complaint narrative:
Loan is in loss mitigation/ hardship relief status under CARES act legislationand so reporting as current to credit reporting agencies, Credit reporting agencies are indicating receipt of false information showing it reporting as late, and so reflecting on their credit reports.

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 2022-08-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
on XX/XX/2022 at XXXX PST a fraudulent charge of {$900.00} was made on my CitiBank credit card by a fictitious business ( XXXX XXXX XXXX XXXX ) of XXXX XXXX OR with a stolen XXXX  and a cloned card that was " activated '' twice an hour prior. 

REPORTED the crime, Locked my account, and DISPUTED fraudulent charge with Card company same day, but later processed the payment and says a " XXXX XXXX '' was used, and erroneously claimed that I am responsible for the full amount, regardless. (?!? ) Red flags : ( XXXX ) that the " cloned '' card ( by Shimming or emulating a stolen XXXX number ) was activated twice at XXXX - and the {$900.00} charge an hour later- I reported the fraudulent charge with the CitiCard fraud Dept - and that my XXXX was locked in a safe and I was asleep, over XXXX miles away from said location when said transaction took place. 

( XXXX ) stolen card number was activated twice at XXXX - and a charge ( processed as " in-store '' ) was done at XXXX. 

( XXXX ) the fictitious business has no physical garage location - no listed number - no website - and no reviews ( online or otherwise ) - the business does not exist except on paper. 

( XXXX ) Investigation reported to Portland.gov - FTC XXXX Dept of Justice - Police Dept - State Attorney Generals Office - shows that the suspect ( listed owner of XXXX registered business ) has a string of felonies for XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I have owned the home at XXXX XXXX XXXX in XXXX XXXX since XXXX. The home was completely destroyed in the XXXX fire in XXXX XXXX XXXX, XX/XX/XXXX. Since losing the home I have been trying to come to an agreement with the mortgage company to avoid foreclosure. 

I do not intend to keep the property and wish to swiftly move to sell the remaining land or transfer the deed back to the mortgage co. 

I have made many attempts by phone, email and regular mail to file financial documents and submit applications for the decision to terminate the loan and we have been completely ignored, or even worse handled by claim and mortgage agents who have no idea what to do in this situation. 

Given the extreme loss of home and property there is no way I can continue to make loan payments on a house that doesnt exist. 

I just need the mortgage company to reply with an educated professional opinion and advice in order to avoid foreclosure. So far, the company has made this simple request impossibly complicated! 

Thanks for your attention,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: APEX Asset Management, LLC
State: NJ

Complaint narrative:
Apex XXXX out of XXXX Pa continues too send me the same debt collection bill with the same amount every time. Ive already paid this and not knowing Ive paid it more than once already. As soon as I got on the phone with someone and explained the situation I was hung up on. Attempted to call back 8 more times and they would pick up and hang up. After all of this happened I XXXX Apex XXXX and the reviews Ive read were exactly what I am dealing with! They are a fraud and I need to get to the bottom of this as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
On XX/XX/2022 I mailed you a letter disputing Bankruptcy information contained in consumer reports compiled, maintained, and published by you, allegedly concerning the following As per U.S.P.S. records, you received my dispute letter on XX/XX/2022 ( XXXX ), XX/XX/2022 ( Transunion ), and XX/XX/2022 ( XXXX ). Accordingly, as per the FCRA, you were required to conduct a reasonable investigation and delete the disputed information as I requested before the end of the XXXX period on the date on which you received my dispute letter. Here, you received my dispute letter on XX/XX/2022 ( XXXX ), XX/XX/2022 ( Transunion ), and XX/XX/2022 ( XXXX ) ; therefore your response was due on or by XXXX 30 days+. Instead of sending me a response letter with the results of your investigation of the disputed information, you mailed me a letter dated XX/XX/2022 ( XXXX ), XX/XX/2022 ( Transunion ), XX/XX/2022 ( XXXX ) claiming you verified the information as accurate. 

Clearly, you have willfully failed to delete the disputed information as I have requested. Instead of deleting the disputed information you willfully failed to conduct a reasonable investigation of my dispute because you verified the information as accurate. However, your excuse or assumption is not a valid reason under the FCRA to not reinvestigate my dispute. Note, that you have not made any reasonable determination that my dispute was frivolous or irrelevant. Nor have you sent me a notice of such determination that complies with the FCRA. Furthermore, I directly disputed the completeness and/or accuracy of the information contained in my consumer file as per the FCRA. Your failure to reinvestigate is an intentional and/or negligent FCRA violation XXXX 

As a result of your conduct as described above, you shall promptly delete the disputed information. Be advised, that this is not another dispute or opportunity for you to reinvestigate a previous dispute. The allowable period to conduct such an investigation has expired and shall not be extended by law. Within 10 days delete the disputed information as requested. XXXX XXXX has removed this item from my report due to unverifiable and I demand it be removed from my credit file permanently. 

Remove any bankruptcy from my credit report immediately and any accounts that are associated or listed as including : Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX  Account # XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : Bankruptcy Account # XXXX Account Name : Bankruptcy Account # 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 2022-08-22 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
On XX/XX/2022 I mailed you a letter disputing Bankruptcy information contained in consumer reports compiled, maintained, and published by you, allegedly concerning the following XXXX per XXXX. records, you received my dispute letter on XX/XX/2022 ( XXXX ), XX/XX/2022 ( XXXX ), and XX/XX/2022 ( Experian ). Accordingly, as per the FCRA, you were required to conduct a reasonable investigation and delete the disputed information as I requested before the end of the XXXX period on the date on which you received my dispute letter. Here, you received my dispute letter on XX/XX/2022 ( XXXX ), XX/XX/2022 ( XXXX ), and XX/XX/2022 ( Experian ) ; therefore your response was due on or by XXXX 30 days+. Instead of sending me a response letter with the results of your investigation of the disputed information, you mailed me a letter dated XX/XX/2022 ( Experian ), XX/XX/2022 ( XXXX ), XX/XX/2022 ( XXXX ) claiming you verified the information as accurate. 

Clearly, you have willfully failed to delete the disputed information as I have requested. Instead of deleting the disputed information you willfully failed to conduct a reasonable investigation of my dispute because you verified the information as accurate. However, your excuse or assumption is not a valid reason under the FCRA to not reinvestigate my dispute. Note, that you have not made any reasonable determination that my dispute was frivolous or irrelevant. Nor have you sent me a notice of such determination that complies with the FCRA. Furthermore, I directly disputed the completeness and/or accuracy of the information contained in my consumer file as per the FCRA. Your failure to reinvestigate is an intentional and/or negligent FCRA violation XXXX 

As a result of your conduct as described above, you shall promptly delete the disputed information. Be advised, that this is not another dispute or opportunity for you to reinvestigate a previous dispute. The allowable period to conduct such an investigation has expired and shall not be extended by law. Within 10 days delete the disputed information as requested. XXXX XXXX has removed this item from my report due to unverifiable and I demand it be removed from my credit file permanently. 

Remove any bankruptcy from my credit report immediately and any accounts that are associated or listed as including : Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX  Account # XXXX Account Name : XXXX Account # : XXXX Account Name : Bankruptcy Account # XXXX Account Name : Bankruptcy Account # 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 2022-08-22 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: Experian Information Solutions Inc.
State: DC

Complaint narrative:
I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THESE ALLEGED FRAUDULENT ACCOUNT. BLOCK AND REMOVE THEM 15 usc 1681c-XXXX Pursuant to the fair credit reporting act. I DID NOT MAKE THIS IN ERROR I AM THE CONSUMER AND I DID NOT RECEIVE AND GOODS AND SERVICES FROM THESE CONSUMER CREDIT TRANSACTIONS I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-08-22 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
In XX/XX/2022, I opened a Secured Card Savings Account with Truist Bank in XXXX XXXX, TX. Account # XXXX. I deposited {$400.00} to the card. Subsequently, I decided to close the account and in XXXX went in person to the local bank to do so. The teller advised there was no balance found and closed my account. 
On XX/XX/XXXX, I received a statement that there was still a {$400.00} balance on the card. I went back to the bank. The teller advised that there was now a balance, but because she had previously closed the account, it now needed approval to cash out the funds. 
I have visited the bank twice since then, called many times, and can not find anyone who will let me have my {$400.00}. The last time I went to the bank office, the teller would not speak with me until I paid an account fee of {$20.00}. Today I spoke with XXXX different bank employees, and just kept being transferred. 
I received a statement on XX/XX/XXXX still showing the {$400.00} balance, and a new statement dated XX/XX/XXXX showing XXXX balance. 
I am afraid that the bank is planning on keeping my money.

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