vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MN

Complaint narrative:
==== XX/XX/2023 : I am writing on behalf of myself and other people who are XXXX and who have ABLE checking accounts with Fifth Third Bank XXXX XXXX, OH. These accounts do not pay any interest. This is not acceptable in the current economic environment. For several months, various banking institutions have been advertising XXXX month CDs paying about 5 % interest, yet Fifth Third Bank XXXX XXXX pay 0 % interest on ABLE accounts. Fifth Third Bank should be required to offer a CD that pays some interest. If Fifth Third can not cooperate, a different bank should be chosen for ABLE accounts. For a description of ABLE accounts, review the website of the XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax is violating 18 USC section 1342 - fictitious name and address. Equifax received a complaint from me this XX/XX/2023 regarding the fictitious name and address present on my consumer report and I requested the fictitious name and address be deleted. Instead of doing so, Equifax maintains the stance that the name and address in question is current. Equifax does NOT have first-hand knowledge regarding that fictitious name and address. I as the consumer have the first-hand knowledge regarding my true name and address. What's more, the fictitious address Equifax is maintaining on my consumer report as a 'residence ' is actually the street address to a Post Office Box in XXXX XXXXXXXX XXXX Texas . I never lived at a post office box nor would that ever be considered an actual place of residence. I never consented to have that fictitious address on my consumer report and never consented to having a fictitious name on my consumer report, yet Equifax is willfully violating 18 USC section 1342 and 15 USC section 1681s by maintaining the incorrect information on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I MAILED OFF MY CHALLENGE LETTERS TO VALIDATE DEBT OWED. WAS NOT NOTIFIED OF INCORRECT INFORMATION ON MY REPORT. 

I MAILED OFF MY CHALLENGE LETTERS XX/XX/2023

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 2023-09-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: CITIZENS FINANCIAL GROUP, INC.
State: AR

Complaint narrative:
Citizens mortgage bank wont give XXXX title a payoff statement they will give a number but they refuse to send the documents saying to XXXX we have to wait a week or more over and over I believe this to be illegal or at the least its wrong

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX and I can't even sleep properly because of this problem. I am begging you to update my account 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 non-monetary relief
Consumer complaint received 2023-09-19 00:00:00
Product: Credit 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/2023 I went to the XXXX gas station in XXXX XXXX address XXXX XXXX federal highway XXXX XXXX FL XXXX. I inserted my credit card at the gas pump and filled my tank with gas. On XX/XX/2023 I see 3 unauthorized purchases on my credit card. XXXX for {$630.00} at XXXX XXXX, XXXX for {$24.00} and another for {$5.00} at XXXX XXXX 's XXXX XXXX The total of the unauthorized purchases is {$660.00}. I reported the unauthorized charges to my bank ( wells fargo ) immediately on XX/XX/2023. They told me they would take care of it. After finishing their investigation they said that no fraud was committed. I called them back to reopen the case and I was told to fill out a police report to help with my case. 
I provided a sworn affidavit stating that I did not authorize these transactions. I provided a letter from my employer proving that I was at work at the time of the transactions and I provided my XXXX maps location for XX/XX/2023 to prove that i was not in the areas of the transactions. The bank did not consider the evidence that i provided and insists that since the chip was used that the transactions were made by me. Even though i have proof that i wasn't at the locations and my credit history shows that i have never done business at these restaurants.I have reached out to XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX and told them about the unauthorized purchase at their restaurant and also to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. They told me they couldn't help me and that I had to take it up with my bank. I reached out to the XXXX XXXX police department and XXXX XXXX police department to conduct investigations of the fraud. Wells Fargo wants to hold me responsible for unauthorized transactions and does not care about the evidence that I provided.

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 2023-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Sterling Infosystems Inc.
State: MO

Complaint narrative:
On XX/XX/XXXX, I agreed to have a background check with Sterling Talent Solution. This was a requirement as I just got hired with XXXX XXXX. At XXXX, I received an email confirming that my background check was complete. Under DOJ XXXX XXXX XXXX, my result was XXXX XXXX. According to the New York XXXX XXXX XXXX XXXX XXXX XXXX, a Level XXXX XXXX XXXX  is someone who is an offender that is at low risk of repeating the offense. 
After I found this out, I immediately called the company asking to dispute the claim. I have never been accused, convicted, or gone to court for anything of this matter. They said there was nothing that I could do because the report was done. After that call, I made numerous calls to see if this report had any actual truth. 
After speaking with the Department of Justice XXXX XXXX XXXX, they told me that I am not and never have been on their registry. They furthermore explained to me that two errors could have occurred. One : The information was entered incorrectly. XXXXwo : There was an error in the footnotes. They directed me towards the XXXX XXXX XXXX registry to prove to them that I was not on the database. 
I called Sterling Talent Solution again and emailed the documentation that displayed that I was not on the XXXX XXXX XXXX  and had the confirmation confirmed by the Department of Justice. They claimed that as the report was already done ; there was still nothing I could do. No editing to my report or second report done. 
For this reason, I feel my Fair Credit Reporting Act rights has been violated. After closely examining my background check, it confirmed that my rights was guaranteed by FCRA. More specifically, the right to dispute and correct inaccurate information, and their legal responsibility to investigate claims made against my report. They have been negligent and refuse to investigate the claim made against me even though I have provided sufficient proof. 
Today, XX/XX/XXXX, they claimed that no error was made on my report in an email. They said that the XXXX XXXX was meaningless, but no employee told me that after the numerous calls I had with them. I feel the only reason they said that is I said I was talking with my legal counseling to see what my options were. My job that I beat dozens of candidates to get is now being called into question over this. I am upset that they could care less that a faulty report is costing me an amazing job.

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 2023-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX  Account XXXX, Account # XXXX has violated my rights. 
i have already disputed these items with the bureaus but they did not remove them, nor prove validation. 
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 response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 00:00:00
Product: Credit 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: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
On XX/XX/, I purchased an item for {$410.00} from XXXX. The item arrived broken, so I reached out to try to get a replacement. My attempts were ignored so I called my bank ( Chase ) to dispute the charge. The dispute was opened on XX/XX/XXXX. I was told the process usually takes around 35 days. After a month, I called for an update and was told to call back in XXXX. I called at the beginning of XXXX and was told to wait another month. I then called at the beginning of XXXX and was told they would have my dispute resolved on or before XX/XX/XXXX. It is now XX/XX/XXXX and I have just been told the dispute is still not resolved. This time, they would not provide me with an estimate and told me that I just needed to keep waiting. I have been waiting 99 days for this dispute to be resolved and now feel as though I am being ignored entirely.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 00:00:00
Product: Credit card — Store credit 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: Bread Financial Holdings, Inc.
State: DC

Complaint narrative:
In XXXX or XXXX I got an alert from XXXX XXXX that I owed {$6500.00} to Comenity Bank. I called to see what happened thats when I was told a credit card in my name for XXXX was opened and charged for a XXXX. I have never received any cosmetic procedure other than a XXXX XXXX in XXXX that my insurance covered medically, and a XXXX XXXX XXXX XXXX in XXXX of XXXX that I paid for in full. I have been disputing this account every since I gained knowledge of it being opened. They didnt have my correct address on file, someone used an OLD ID of mine that was stolen and I provided a police report to confirm everything! I have never been to XXXX. I am a XXXX XXXX of XXXX, unemployed, and could never afford a {$6500.00} XXXX! I can submit photos of my body XXXX to futher show proof! Please remove this out of my name! I have been fighting to get this removed for years! I only have 3 credit cards under comenity!! Victoria Secret, XXXX, and Childrens Place and I pay those faithfully every month even with applying for hardship I still make the payments! You can compare my ID to the one the company sent it doesnt match!!! You all didnt have my correct information until I called to provide it so that further states my claim of this isnt me who did this!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Check/payment from employer/partnership to myself has not been deposited, nor made available, nor is reflected in my chekcing account balance in a finalized fashion. 

Employer 's bank ( XXXX ) is able to provide evidence funds were transmitted to my account for a missing deposit. 

Dispute submitted to my bank XXXX XXXX XX/XX/2023 ; at close of business today XX/XX/2023 my bank Wells Fargo is unable or unwilling to provide information about their investigation at all. The dispute remains open. I was not allowed to speak to an investigator. 

I have been credited a preliminary amount for the missing funds ( {$22000.00} ) - but without the investigation and determination being finalized, I am unable to pay my employer back the funds without assuming what seems to be a liability of the bank, i.e. if the bank determines they do not have the funds ( e.g. sent back to employer 's bank ), they will take this preliminary amount back, and I will be at a loss for the amount I have written.

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 2023-09-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: MIDFIRST BANK
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX  handed my original mortgage to a small bank in California maybe a year ago. 
My mortgage was up to date and in good standing. 
XXXX would not take my payment. 

The new bank would not send me a bill/statement for several months but instead sent me applications to refinance and also applications to modify my loan. Which I responded that I was not delinquent I would like to pay my monthly bill. 
I also told them I would not sign any new contract with them. 

My mortgage was paid up and was not delinquent when all of this initially transpired. 

I then began researching and started the administrative process with XXXX XXXX  and also with this new bank. 

First I sent via Certified mail, an FOIA request to This new bank in which they did not respond in timely manner and did not provide proof of standing through answering request in full or providing ORIGINAL PROMISSORY NOTE with WET INK SIGNATURE/debt instrument I sent a second request, via Certified Mail, they did not answer timely and again could not provide proof of standing. 

Finally, on XX/XX/XXXX I sent via Certified Mail, a NOTICE OF DEFAULT and CEASE & DESIST to them. 
I received a letter from an attorney down in XXXX yesterday asking for me to contact him and let him know how i wanted to handle my debt with them. Then about an hour ago I was served a stack of around XXXX different electronically filed papers ( XXXX XXXX, SUMMONS AND NOTICE ( non jury mortgage foreclosure ), COMPLAINT, and CERTIFICATE OF EXEMPTION/WITHDRAWL FROM ARBITRATION AND MEDIATION ) Of course, I have copies of everything I ve shared here

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 2023-09-19 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First National Collection Bureau, Inc.
State: TX

Complaint narrative:
" On XX/XX/2023, our office received a request for validation from you ''. " On XX/XX/2023 the account was placed in a suspend status and no calls or collection efforts were being performed ''. This was in reply to the letter sent to my home from First National Collection Bureau , Inc . It has been more than 30 days since XX/XX/2023 for validation. Anything after 45 days for grace to valid a debt is not in compliance with the Federal Fair Debt Collection Practices Act. Please return the file back to the original client for further view.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/23 I filed a claim dispute through Bank of America from merchant XXXX in the amount of {$5300.00}. It's been more than 90 days and the claim has yet to be resolved. It's now XX/XX/XXXX, and I've been getting nothing but a run around to nowhere. Bank of America refuses to resolve the claim and credit the funds into my account. Now my account is overdrawn, and if funds are not deposited in a timely manner, the account will be closed.

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 2023-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I keep getting attempts for credit at XXXX XXXX 

dateXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-19 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Westlake Services, LLC
State: KY

Complaint narrative:
On XX/XX/2022 and XXXX Kentucky I paid {$5000.00} down at American Car Center. My lease agreement was for a 3-year term with a major parts warranty for 3 years as well as 6 free oil changes. Within 90 days of this transaction I was informed through XXXX that American Car Center had filed for bankruptcy. Several weeks later I was sent a text stating that Westlake Portfolio Management would be handling ACC accounts. Unbeknownst to me Westlake Portfolio Management is in fact a debt collector that purchased the loans on the vehicle. From what I can tell with my online accounts there has been some fraudulent calculations regarding the money that's been paid towards this vehicle. I am unable to get my car tags renewed because of the shady business deals. For 9 months I have been under such a great distress because this vehicle is the only vehicle my household has to get to important medical appointments. I have learned through several social media groups that hundreds of people has had their vehicles repossed even after paying their payments. I feel like ACC knew exactly what was going on and they tried to get all of the money they could from the consumers before they close the doors. The day that this vehicle was leased the entire transaction seemed shady but at the time I was under a significant amount of pressure to obtain a vehicle because the vehicle I had prior to this one was totaled when I hit a deer. I would like to file a complaint and find out furthermore if any legal action can't be taken against either of these companies. They have not upheld the end of the contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Hello, I have a credit card with Comenity Bank ( XXXX ) that I have had for many years. The credit limit is over XXXX ; however, I paid it off and have not used it in years. To that end, I received a msg from my XXXX bank that I had a 30 day late on my CC so I called Comenity to see if there was a fraud situation, because I do not use that card. They said no your O Rewards auto charged for {$19.00}. I explained to them that I opted out of that program and not sure why this keeps hitting. They then looked at the notes and took the charge off and said I was right. I was told the mark would be removed automatically however now been told O Rewards and Commenity do not communicate and even though O Rewards removed the charge for their mistake this was never communicated to Comenity, thus bad marks ( twice ) on my credit. The same issue happened again and I again got on the phone for over an hour but was basically chasing my tail and could not receive any help or customer service. They dont even have an email I can submit a complaint to. I am pleading to have the bad marks off my credit as I am a business owner and can not have two late charges like this. I can be reached XXXX. Thank you for reviewing this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-19 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: CITIBANK, N.A.
State: MD

Complaint narrative:
Im a XXXX XXXX  with a XXXX XXXX  living in Maryland. I made the serious mistake of opening a bank account with Citibank. After a series of errors and inefficiencies on their part, they have twice taken the liberty of seizing money from my own account, without alerting me beforehand. 

The first time it happened was after Id deposited a cheque from XXXX with a name they said didnt match my exact to the letter. They requested I come to the branch with my ID, which I did. They said thank you, that should suffice. Yet a few weeks after, they simply took all that money from my account. When I complained, they said Citibank security was finicky and that Id need to ask the XXXX institution to send me the cheques again, this time made out to the exact name on my passport. I complied, deposited the new cheques, and forgot all about it. 

But now they just took over {$500.00} from my account without telling me why. Ive wasted hours on the phone and in the branch without getting anywhere. 

Will you 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