vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-17 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: AL

Complaint narrative:
I am writing about the inaccurate information that continues to report on my credit file because of the negligence of the XXXX, XXXX and Equifax representatives. I am a victim of identity theft and I have supplied an enormous amount of documentation to support the deletion of fraudulent accounts. I have requested on numerous occasions for validation and verification that the XXXX, XXXX and Equifax employees have received to show these fraudulent accounts are mine and have received nothing. This is because there is nothing as these accounts were opened fraudulently. However, XXXX, XXXX and Equifax reports that they have verified these accounts are in fact mine. Who at XXXX, XXXX and Equifax verified this account? Who did they verify with? I also have several other accounts where I have submitted the police report to show they were fraudulent accounts. Once again, XXXX, XXXX and Equifax is still reporting these accounts and the other bureaus have deleted after investigation. These accounts are ( XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX ). This is beyond ridiculous and negligent. I have also placed a fraud alert on my account to stop ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) fraudulent inquiries on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17 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: AL

Complaint narrative:
I am writing about the inaccurate information that continues to report on my credit file because of the negligence of the XXXX, Experian and XXXX representatives. I am a victim of identity theft and I have supplied an enormous amount of documentation to support the deletion of fraudulent accounts. I have requested on numerous occasions for validation and verification that the XXXX, Experian and XXXX employees have received to show these fraudulent accounts are mine and have received nothing. This is because there is nothing as these accounts were opened fraudulently. However, XXXX, Experian and XXXX reports that they have verified these accounts are in fact mine. Who at XXXX, Experian and XXXX verified this account? Who did they verify with? I also have several other accounts where I have submitted the police report to show they were fraudulent accounts. Once again, XXXX, Experian and XXXX is still reporting these accounts and the other bureaus have deleted after investigation. These accounts are ( XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ). This is beyond ridiculous and negligent. I have also placed a fraud alert on my account to stop ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) fraudulent inquiries on my credit file.

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 2022-01-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
My time as a Citibank credit card customer has been marked by a lot of fraudulent transactions against the account. So much so, that I've changed account numbers three times so far. 

In XX/XX/2021, I notified Citibank that I'd discovered significant fraudulent charges to my account going back to XX/XX/XXXX of the same year. In XXXX, I discovered additional fraudulent charges, bringing the total to 193 total transactions between XX/XX/2021 and XX/XX/2021 totaling {$3500.00}. 

I have made repeated efforts to reach Citibank to get a status on my dispute and each time I get transferred to different departments, but have not managed to get anyone to give me a concrete answer as to where things stand and how long it will take to resolve my dispute. After almost three months since my report of the dispute, I have received two letters from Citibank stating they are continuing the " investigate '' the dispute. Thus far, accessing my account online, I see only a total of only 28 transactions aggregating to {$630.00} has been resolved. This represents only 15 % of the total disputed transactions and 18 % of their dollar amount. 

This has been a highly frustrating experience and one where I'm not getting timely resolution on my dispute. As I understand, the card issuer has, by regulation, a requirement to resolve disputes within two billing cycles. Citibank has not complied with this regulatory requirement.

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 2022-01-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
Saturday XX/XX/2022 Received a text msg from citi.com : Please confirm you recently opened a XXXX XXXX XXXX Account. XXXX, XXXX, or contact us at city.com. Reply STOP to opt out. 

Monday XX/XX/2022 Received same text as above. 
XXXX Immediately received text back : XXXX XXXX Citi : We've blocked this card and lets get this taken care of. Please call Fraud Dept at XXXX or visit citi.com I went online and found customer phone number on Citi.com website. Called spoke to a lady, she spelled her name, XXXX. Explained to her I did not apply for a XXXX XXXX XXXX Account. She reviewed with me all my personal information and verified that my information was used to apply for the card. She proceeded to Closed the Credit Card account and said she opened an internal investigation with Citi Bank Fraud department. 

I would like CFPB to check into phone XXXX to make sure it belongs to Citi Bank or if it is a fraudulent phone number. I did not call this number because I will not give out my personal information to someone that I did not initiate call to. 

Fraudulent texting or solicitation???? [ is it possible that Citi Bank is using this type of text to get someone to apply for a credit card??? ] Contacting you so that situation is noted. 

XXXX2022- Citi Bank has been called by myself, personally, and XXXX XXXX XXXX Account [ Credit card ] has been cancelled and verified as fraudulent. 
Thank you in advance.

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 2022-01-17 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 belongs to someone else
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
They put a hard inquiry on my credit which was not mine I never inquired anything with chase I think it might be due to identity theft it took my credit down alot and I want it removed blow is a picture of the company that did it and the date it was did

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Consumers are entitled to a free credit report from the 3 Credit Reporting Agencies each year. Once a consumers identity has been verified, they should have no problems easily securing their report. However, with intent, TransUnion and XXXX make it exceptionally difficult to access your report. TransUnion gave me varying reasons at different attempts why they were unable to give me my report. I tried several times to get my reports from TransUnion and XXXX through annualcreditreport.com. The only report I was able to get was my XXXX. It is important to note that TransUnion and XXXX are closely aligned on their individual sites, and with XXXX XXXX. TransUnion initially said they were having technical difficulties. When I tried later, they gave me another error message. And I never got my report from XXXX even though they said they had already given it to me. Now, the only way I can get a report from TransUnion and XXXX is to take out a membership for a fee, and then pay an additional amount to get a report. I am arguing that TransUnion and XXXX intentionally make it difficult to get a free credit report to force consumers to buy a membership with them and then pay for a credit report that should be free. At annualcreditreport.com, accessibility and verification to all three credit reporting agencies should be consistent. Each CRA has a different ID verification process. The verification procedure should have identification rigors yet simple enough for consumers who have limitations can get their reports as long as their ID can be verified. CRAs should give consumers a choice of getting a report in PDF format that can be stored on the computer device of their choice. They should be able to direct the file/folder where they want the file downloaded.

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 2022-01-17 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: AL

Complaint narrative:
XXXX XXXX is listed on my credit reports incorrectly. 
I've disputed the information with all 3 credit reporting agencies but they have still remained on my reports. 

I dispute the ownership. 
I dispute the amounts. 
I dispute the reporting as shown on my reports. 

I've sent letters to XXXX and no responses have came back. I've done this 4 times with no response.

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 2022-01-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA

Complaint narrative:
Hi, I had a loan with Pennymac at 3.87 % which I refinanced in XX/XX/2020 with them at 2.75 %. 
When I refinanced the loan with Pennymac in XX/XX/2020, my new payment was calculated at 2.75 % and monthly payment was ~ {$2600.00} which included Principal [ ~ {$1000.00} ], Interest [ XXXX ] and Escrow [ ~ {$350.00} incl. property tax and insurance ]. My loan contract closing disclosure has this payment for ~30 years [ unless there's a change in property tax or insurance ]. 
However, in XXXX, Pennymac changed my monthly payment from ~ {$2600.00} to {$3300.00}, an increase of {$670.00} per month and they did communicate about it in advance. 
When I spoke to them about the increase, first their officials told me that your escrow is increased because property taxes have increased in your county which isn't a true statement. When I escalated this issue, I was told someone in their refinance team did the calculation mistake in the closing disclosure and numbers told to me were incorrect when I signed the contract. 

I wanted to reach out to you if this change can be reversed because this is a significant increase on monthly payment and something not in line with my loan disclosures that I signed. 

Please let me know if I can clarify this issue further.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-17 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
There are some fraudelent inquiries reporting on my credit file. I have no account w these companies and haven't looked for any credit here recently.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Global Lending Services LLC
State: TX

Complaint narrative:
There are some fraudelent inquiries reporting on my credit file. I have no account w these companies and haven't looked for any credit here recently.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: MO

Complaint narrative:
XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Kansas XXXX Transworld Systems Inc. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XX/XX/XXXX To Whom It May Concern : On XX/XX/XXXX, I find out about this medical bill after the collection agency reported it to the credit bureau. After discovering this, I immediately call XXXX XXXX XXXX to figure out why they never saw this bill before it went to a debt collector. XXXX XXXX XXXX was sending the medical bill to my old wrong address. I never really had a chance to pay what I owe in the first place and never realized this. 
Once I realize that the statement went to the wrong address, I contact the collections agency by phone and email and ask them to remove any derogatory information from my credit report. 
This is technically a HIPAA violation, sending medical bills to the wrong address. On XX/XX/XXXX, I emailed XXXX XXXX at Transworld Systems Inc. and Transworld Systems Inc XXXX XXXX a professional debt collector regarding credit dispute asking for verification and validation of debt and informing TSI of wrongful address. 
On XX/XX/XXXX, I received the verification and validation of debt from TSI. Since TSI never sent any of this information to the right address in the first place I never received any bills due date. I am writing to request the remove of derogatory reporting to the credit bureaus because TSI send the debt collection to the wrong address and not allowing me to dispute the debt according to the Fair Credit Reporting Act ( FCRA ) in XXXX to protect consumers and regulate how credit information is used and disseminated before reporting credit bureaus and unverifiable information. 
I am requesting that the item be removed immediately. 

Enclosed is a copy of documentation that support my position. 

Please reinvestigate this matter and correct the disputed item as soon as possible. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There are some fraudelent inquiries reporting on my credit file. I have no account w these companies and haven't looked for any credit here recently.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I am a new Bank of America Customer. I am starting to regret this decision. On XX/XX/XXXX. I made a payment of 200 over the phone with a representative. That same day, another payment of 1000 was taken out of my checking account by Bank of America. When I realized they did this, I called them immediately to request a refund. The agent then informed me my refund request was processed and I should received my funds within 3 to 5 business days. On XX/XX/XXXX I called Bank of America again to confirm that my funds indeed were processed. they claimed it was processed but instead of receiving it in 3 days, it will take a week. On XX/XX/XXXX, I called Bank of America to ask why I haven't received my funds. I escalated the issue to a supervisor who informed me that my funds were processed however it will take 2 billing cycles for me to receive my money. At that point, I was very furious. Everyone I talked to, told me something different. On XX/XX/XXXX I called Bank of America again to express my frustration A supervisor informed me I will be receiving the refund soon. They held my 1000 dollars and refused to refund it to me. On XX/XX/XXXX, I called Bank of America once again to inquire about my refund, just for a representative to tell me they refunded me XXXX dollar instead of the 1000. The fact that they even took my money without my authorization and lied telling me they refund it and they didn't. They claimed they refunded XXXX dollar in my account. I checked my account and there is no refund from them. This is the worse bank ever and I'm still new. All their customers service rep lie and some of them have no idea what they're telling their customer.

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 monetary relief
Consumer complaint received 2022-01-17 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: PA

Complaint narrative:
I have 2 inquiries unauthorized by me. That need to be token off and blocked

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 2022-01-17 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: EQUIFAX, INC.
State: AL

Complaint narrative:
XXXX XXXX is listed on my credit reports incorrectly. 
I've disputed the information with all 3 credit reporting agencies but they have still remained on my reports. 

I dispute the ownership. 
I dispute the amounts. 
I dispute the reporting as shown on my reports. 

I've sent letters to XXXX and no responses have came back. I've done this 4 times with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
XXXX XXXX is listed on my credit reports incorrectly. 
I've disputed the information with all 3 credit reporting agencies but they have still remained on my reports. 

I dispute the ownership. 
I dispute the amounts. 
I dispute the reporting as shown on my reports. 

I've sent letters to XXXX and no responses have came back. I've done this 4 times with no response.

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 2022-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Citibank closed my business bank account without notice or reason : Call made XX/XX/2022 at XXXX 1. My funds were sent to incorrect address eventhough branch manager corrected address in my presence. 

2. new check was never sent and when I called citibank refused to provide tracking number. 

3. Agents did not want to even discuss my account and when I asked for supervisor agent pretended the line had gone dead but I could her her breathing. At this point agent transferred me to a supervisor. 

4. spoke to supervisor XXXX XXXX ID XXXX on XX/XX/2022 at XXXX. She stated that they AGAIN sent check to wrong address. She also stated she did not have a tracking number and it could be months to get check. 

Resolution requested : 1. I want my funds of {$16000.00} refunded 2. I want my funds sent overnight 3. I want an additional {$12000.00} for damages caused for funds not been returned and payments missed by my business in addition to damage caused on my credit reports caused directly by check not being sent correctly. I am happy to outline caused damages. 

Here are the numbers you can reach me at : XXXX. Office : XXXX XXXX. XXXX XXXX XXXX. Additional Office XXXX XXXX. Additional Office - XXXX Ext XXXX XXXX. Additional Number XXXX Ext XXXX XXXX. Additional Number - 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 monetary relief