vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-30 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: PNC Bank N.A.
State: GA

Complaint narrative:
As a consumer and natural person, I am exercising my right to rescind the following transactions : XX/XX/2021 XXXX XXXXXXXX XXXX XXXX XXXX GA XXXX XXXX {$22.00} ; XX/XX/2021 ATM WITHDRAWAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA {$60.00} ; XX/XX/2021 XXXX XXXX XXXX VIS XXXX XXXX GA XXXX {$35.00} ; XX/XX/2021 XXXX # XXXX VIS XXXX XXXX GA XXXX {$16.00} ; XX/XX/20XXXX XXXX  # XXXX XXXX  XXXX XXXX GA XXXX {$51.00} ; XX/XX/2021 XXXX XXXX XXXXXXXX XXXX XXXX XXXX GA XXXX {$6.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am requesting credit inquiry that were unauthorized be removed from my credit report. Description of Disputes inquires : I never Authorized theses : I Demand written verification and documentation that the inquiries actually took place immediately. Proof of my permission for them to pull my credit. You can't verify all of the details, inquiries need to be removed. Validation I am requesting that you remove this information from my credit report. Thank you for your help in this matter. This is a request to remove the following inquiry that were made without my expressed permission : - XXXX XX/XX/XXXX - XXXX XXXX  XX/XX/XXXX - XXXX XX/XX/XXXX ( XXXX ) - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX ) - XXXX XX/XX/XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN ) XXXX XXXX XXXX XX/XX/XXXX ( XXXX ) These inquiries according to the FCRA were not made due to a firm offer of credit, to obtain insurance, employment, or by a court order. Please remove these inquiries that did not have permissible purpose to pull my credit. Nor have i received documentary evidence under 15 usc 44 of the investigation consumer report as defined in 15 usc 1681a ( a ) ( 1 ) ( e ). under 15 usc 1681a ( 2 ) ( i ) WHICH is questionable as well. Under the FCRA, the burden of proof lies on the bureaus you are the one allowing fraudulent information to report on my credit report. HOW DID YOU Verify? Please send me a description of the procedures used in your investigation. Thank you for following the ethical standards set by the FCRA and removing these inquiries.

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 2021-11-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Hello, To whom it may concern The companies TRANSUNION, XXXX, XXXX XXXX, XXXX XXXX XXXX, AND XXXX are refusing to remove the following inaccuracies from my credit report after disputing the matter since XX/XX/2021. The following accounts needs to be deleted and removed immediately, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX : LATE PAYMENT. As I was never late on the XXXX XXXX account, and the other following accounts were not verified, nor accurate. The following companies are also reporting incorrect amounts owed and dates. The companies are giving me a hard time disputing the information. Threatening to keep the debt, and or public record on my credit report for XXXX  years. Advising me to stop calling, and disputing the inaccuracies, due to the choice theyll never delete it. TRANSUNION and XXXX is also giving me a hard time when disputing the bankruptcy public record and deleting the derogatory record. When Ive already provided multiple documentation stating the following accounts are not verified nor accurate. Its unfair for the three credit bureaus TRANSUNION, XXXX, and XXXX to report different account information, and different balances when a consumer is not responsible of the inaccuracies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
i keep getting denial letter from banks due to this company trying to put me in a bad light to potential banking opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Requested method of verification an item reporting on XXXX as " XXXX XXXX XXXX XXXX ''. They completely ignored my request and did not re-investigate or respond at all. 

I also requested methods of verification from Equifax on an item listed as " XXXX XXXX '' that they claim to have verified. 

Neither of these accounts are mine and I've made them aware of this on several occasions so I can not see how they can tell me they verified it when it doesn't belong to me. Their system is off and something needs to be done!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 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: TX

Complaint narrative:
XX/XX/21 I open a Citibank account online with a {$300.00} deposit from my primary account with another institution. XX/XX/21 the funds were available. I set up my job direct deposit and used XXXX in the Citibank app to transfer {$110.00} that same day. XX/XX/21 I received an email the account is blocked for my security. It is now XX/XX/21, the rest of my deposit and XXXX payroll check are now stuck in that blocked account I havent had access to since my initial deposit was available. I speak with customer service daily to no avail, I did not receive the XXXX debit cards they claim to send so I have not requested a check but they also have not offered it. I am unable to pay bills and make it to work due to the negligence.

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 2021-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
To Whom It May Concern, I checked my personal credit report, which I acquired from Transunion and XXXX organization on XX/XX/2021 and I noticed that this unauthorized inquiry had been made : I am unaware of these inquires from Transunion ( XXXX XXXX XXXX XXXXXXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX }. I am unaware of these inquires from XXXX ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ) I contacted every creditor who placed the inquiry, and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than XXXX business days ago, they have failed to respond and honor my request.Therefore, I must request your help in resolving this matter. In accordance with the Fair Credit Reporting Act, I request you immediately initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry.

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 2021-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/2021 I authorized Citibank to wire to XXXX XXXX XXXX XXXX in XXXX, the amount of XXXX ( XXXX XXXX ), which at the time equaled {$9600.00} USD. The money was taken from my account on that day, but the intended recipient never received it. 
I have complained to them several times and finally submitted a formal complaint dated XX/XX/2021, of which is acknowledged in a letter from Citibank, attached. 

Subsequently, I have been talking to them through their website chat venue ( attached ), and I consistently called them. They keep saying that they're working on it. I ask to speak to a supervisor and only once in the XXXX months did I finally get through to a supervisor. He sounded like he's taking care of it, but nothing happened. 

The intermediary bank that they used to do the transfer was XXXX. I don't understand the problem, let them get their XXXX branch on the phone and work this out. Why must I suffer?! 

Finally, on XX/XX/2021, I get a letter from Citibank saying the following : " Based on the information you provided and the results of our research we determined that the funds were not made available to the recipient for the amount mentioned in the disclosure. '' They even posted a credit in the amount of {$35.00} for the wire transfer fee and {$22.00} for the third-party fees to my account. So, they credited me the small money, because they failed on the wire transfer, but the wire transfer itself, they didnt reimburse yet. 

I got the wire fees back, but the {$9600.00} is still not returned to me. 

I have been asking them for XXXX months to just recall the wire, or pay me back, because it was never received. 

I even called the bank in XXXX and spoke directly to the bank manager. He told me if Citibank recalls the wire, he will send it back. 

This should not be my problem. This is a screw-up by the bank, and they should reimburse me immediately while they continue dealing with it. I want my money back.

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 2021-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am requesting credit inquiry that were unauthorized be removed from my credit report. Description of Disputes inquires : I never Authorized theses : I Demand written verification and documentation that the inquiries actually took place immediately. Proof of my permission for them to pull my credit. You can't verify all of the details, inquiries need to be removed. Validation I am requesting that you remove this information from my credit report. Thank you for your help in this matter. This is a request to remove the following inquiry that were made without my expressed permission : - XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XX/XX/XXXX ( XXXX XXXX XXXX XXXX XX/XX/XXXX ( XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX ) - XXXX XX/XX/XXXX ( TXXXX ) XXXX XXXX XX/XX/XXXX ( XXXX ) XXXX XXXX  XXXX XXXX XX/XX/XXXX ( XXXX ) - XXXX XX/XX/XXXX ( XXXX ) - XXXX XX/XX/XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX ( XXXX  XXXX - XXXX XX/XX/XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX ( TRANSUNION XXXX - XXXX XX/XX/XXXX ( XXXX ) XXXX XXXX  XX/XX/XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX ( XXXX XXXX - XXXX  XX/XX/XXXX ( XXXX ) - XXXX XXXX  XXXX XX/XX/XXXX ( XXXX XXXX - XXXX XXXX XX/XX/XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX ( XXXX XXXX XXXX XXXX  XX/XX/XXXX ( XXXX ) - XXXX  XX/XX/XXXX XXXX XXXX ) - XXXX XX/XX/XXXX XXXX XXXX  ) - XXXX XXXX XX/XX/XXXX ( XXXX ) - XXXX XXXXXXXX XX/XX/XXXX ( XXXX XXXX  These inquiries according to the FCRA were not made due to a firm offer of credit, to obtain insurance, employment, or by a court order. Please remove these inquiries that did not have permissible purpose to pull my credit. Nor have i received documentary evidence under 15 usc 44 of the investigation consumer report as defined in 15 usc 1681a ( a ) ( 1 ) ( e ). under 15 usc 1681a ( 2 ) ( i ) WHICH is questionable as well. Under the FCRA, the burden of proof lies on the bureaus you are the one allowing fraudulent information to report on my credit report. HOW DID YOU Verify? Please send me a description of the procedures used in your investigation. Thank you for following the ethical standards set by the FCRA and removing these inquiries.

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 2021-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am requesting credit inquiry that were unauthorized be removed from my credit report. Description of Disputes inquires : I never Authorized theses : I Demand written verification and documentation that the inquiries actually took place immediately. Proof of my permission for them to pull my credit. You can't verify all of the details, inquiries need to be removed. Validation I am requesting that you remove this information from my credit report. Thank you for your help in this matter. This is a request to remove the following inquiry that were made without my expressed permission : - XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XX/XX/XXXX ( XXXX ) - XXXX  XX/XX/XXXX ( EQUIFAX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX ) - XXXX XX/XX/XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX ( XXXX  ) XXXX XXXX XXXX XXXX XX/XX/XXXX ( XXXX ) - XXXX XX/XX/XXXX ( XXXX  ) - XXXX XX/XX/XXXX ( XXXX ) XXXX XXXX  XXXX XX/XX/XXXX ( XXXX XXXX - XXXX XX/XX/XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( XXXX ) - XXXX XXXXXXXX XX/XX/XXXX ( XXXX ) These inquiries according to the FCRA were not made due to XXXX firm offer of credit, to obtain insurance, employment, or by a court order. Please remove these inquiries that did not have permissible purpose to pull my credit. Nor have i received documentary evidence under 15 usc 44 of the investigation consumer report as defined in 15 usc 1681a ( a ) ( 1 ) ( e ). under 15 usc 1681a ( 2 ) ( i ) WHICH is questionable as well. Under the FCRA, the burden of proof lies on the bureaus you are the one allowing fraudulent information to report on my credit report. HOW DID YOU Verify? Please send me a description of the procedures used in your investigation. Thank you for following the ethical standards set by the FCRA and removing these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My XXXX Bank of America debit card was hacked and someone withdrew a total of {$4500.00} in a span of a week on XX/XX/2021. I called the banks fraud department hotline to report what happened and was advised to file a police report to help back up my claim. I filed a report with my local sherrifs office and faxed it to bank 's fraud department. On XXXX XXXX XXXX1 i received a letter from Bank of America saying the case was resolved and no wrong doing occured in my account. I am upset and in a difficult situation with no help in sight. Bank of America failed to secure my XXXX debit card, making it vulnerable.

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 2021-11-30 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION

Complaint narrative:
I found a house for rent in XXXX XXXX XXXX  ad on XXXX  ( containing photos, videos, details and a real address ) that I contacted. 
This person with the email : XXXX sent us a rental contract that we signed and then asked us for a first month 's rent plus a deposit for a total of {$2300.00}. Once the sum was paid, this person disappeared with our money. 
This person presented to us with an existing license number, XXXX license XXXX : XXXX and with the name of XXXX XXXX so we had no doubts about the veracity of the announcement. Apparently this is identity theft. 

This person initially asked us to make the payment to the " owner account '' with these data : Bank name : XXXX Bank Account name : XXXX XXXX XXXX Account number : XXXX Routing number : XXXX While then he changed the data to make the payment, so finally we did it to the " owner 's assistant '' bank account : Bank name : SunTrust Bank Account name : XXXX XXXX XXXX Acct # : XXXX Routine : XXXX Holder 's address : XXXXXXXX Georgia, XXXX XXXX XXXX : XXXX Bank address : XXXX XXXX XXXX XXXX, XXXX, GA, 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 2021-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On or about XXXX XXXX XXXX Bank of America charged my atm debit card {$150.00} for a charge I believe was wrong. I put in a dispute with the bank to be told that it was a legitimate charge by XXXX. Within and right before the 90 day period of the bank being able to take the money back they did so right before the cut off date. The day that this happened I found my atm card in another area of my wallet. When I called to talk to the bank they told me it was a legitimate charge, but I know that was not the case. They blamed it on XXXX. I've also had a lot of fraudulent bank or atm charges on my account that for some reason I have had a difficult time disputing. Phone hanging up, etc. This has been ongoing for me for quite a while now with no relief in sight.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/2021 XXXX financial mistakenly charged my 5/3 bank account twice for my car payment {$1100.00} which made my 5/3 bank account over draft. Fifth third bank charged my account 5 times of the amount of {$37.00} once on XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, and again on XXXX XXXX. On XXXX XXXX I was charged a extended overdraft fee of {$10.00} all totaling {$150.00}. My arrangement with XXXX is they only suppose to take out XXXX payment out of my account each mount for {$1100.00} automatically I don't know why they choose to take out XXXX payments for this amount. But Fifth Third bank is treating this like it is my fault they only refunded a portion of fees but they not going to remove the fact that I was even charged a overdraft fee which have damaged my account and removed some of the features I once had on my bank account like check cashing on the banking app. I want all my money back in overdraft fees. And remove the fact my account was overdrawn because this was not my fault. I will write a separate complaint on XXXX also for messing up my bank account. But I feel like 5/3 bank should not profit off XXXX mistake

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have disputed with Equifax about XXXX XXXX XXXX Acct # XXXX. Upon completion of their investigation I received paper reports stating the account was deleted. I also have credit monitoring screenshots from credit karma that shows the account was also to be removed. I pulled my Annual Credit Report for Equifax on XX/XX/2021 and the account is still showing. I have also pulled my Identity IQ report that was refreshed on XX/XX/2021 which also still reflects the account on credit file. The dates for the removal of the account was on XXXX different occasions : XX/XX/2021 and XX/XX/2021. I have not received any notices claiming they were going to reinsert. I have been disputing this account since before XX/XX/2021. However, I have only attached screenshots from the most recent investigation. Equifax simply refuses to remove the account. They are violating my rights. Their refusal is causing a negative impact on my credit score. I have sent additional disputes with copies of screenshots as well as the paper reports they sent me back to them and they still will not update my credit report. They claim they can not re-investigate a dispute that has already been investigated with proof! How is that even possible? I am not sure what else I need to do. Equifax 's refusal to remove an account that was supposed to be removed TWICE WITH PROOF is a violation of my rights to an accurate credit report! Their lack of concern for consumer law is negligence!

Company response to consumer: Closed with explanation