vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital one credit card is reporting wrong information on my credit report, I never had account with them and they are reporting I have a changed off account with them,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-14 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: CITIBANK, N.A.
State: ME

Complaint narrative:
Please refer to cases # XXXX XXXX XXXX which you closed based on inaccurate information from Citibank. I find it hard to believe that when a consumer makes a complaint, CFPB automatically believes what it is told by the offending company. I am making one more attempt before initiating a lawsuit against Citibank. 

Briefly, an unknown and unauthorized person made multiple charges to my Citibank card on XX/XX/XXXX, which I promptly disputed. XXXX of these charges were honored before Citibank acted to deny the remainder. I subsequently received XXXX packages I had not ordered and promptly returned them to the senders unopened. Despite numerous detailed letters to Citibank, several extremely frustrating phone conversations during which I was verbally abused, and repeated communications with the XXXX retailers, one of the four charges remained on my account. I closed my Citibank account a week after the event, but they claim they closed the account in XXXX of XXXX. They inaccurately reported to credit reporting agencies that I was delinquent in my payments, whereas I had paid everything I owed at the time I closed the account. This has negatively affected my credit. They " charged off '' what they claimed I owed, and now I am being pursued by a collection agency. The incident has had a serious effect on my physical and mental health, and over XXXX months later it remains unresolved. 

After some difficulty, I was able to identify which of the XXXX retailers ( XXXX ) had not informed Citibank that the products I had not ordered had been returned to them untouched. They informed me that their fraud department would take care of the issue, but I eventually received communication from Citibank stating that nothing had changed. 

In addition, on XX/XX/XXXX, an unknown person applied for and actually received a credit card from Citibank using some of my personal information. This was verified during a conference call involving Citibank, an XXXX fraud XXXX, my husband, and myself. Yet, shortly thereafter, I received a letter from Citibank claiming that it was I who had applied for and received the new account. The letter referenced the number of the account that had already been closed. 

I have reached the end of my tether with this company, which clearly cares nothing for its customers or -- more significantly -- the truth. I am asking CFPB for a REAL investigation, not XXXX where it just asks the company whether what the consumer says is true and then sides with the company when the company says the consumer is lying.

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 2024-01-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PRIMARY RESIDENTIAL MORTGAGE
State: RI

Complaint narrative:
I have been paying my mortgage the same way with the same account number for years. In XXXX, just before XXXX I received an email from my bank stating that Primary Residential Mortgage returned my payment due to " no account ''. I immediately called the bank and PRMI twice. On the second call to PRMI, they informed me that they must have been updating the computers and to just manually send in a payment and it should be fine moving forward. I have since received several emails stating my checks have been returned. I have called PRMI multiple times with no resolution. The last representative I spoke to told me that me being upset was uncalled for, I was beside myself. This could be devastating to my credit history! I asked to speak to her superior and after a hold she returned to say someone was going to call me back, that never happened. I reached back out to my bank and a rep XXXX offered to do a XXXX call with PRMI and we have tried XXXX separate times on different days to complete a call yet nobody answers the phone now. I am in a desperate situation because my own mortgage company is not able to tell me why all of the sudden I do not have an account yet my mortgage has not been sold.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Makes Cents, Inc. dba Advance.Cash
State: FL

Complaint narrative:
I have been a member of advance.cash since XXXX. In XXXX of XXXX i paid off a loan of {$300.00} In XXXX of XXXX i applied for a loan of {$300.00} i was upgraded to VIP i had payments of {$16.00} weekly beginning the first week of XXXX. I paid off the loan in XXXX of XXXX. I was approved for {$2000.00} the weekly payments were {$140.00} i was only able to make one payment i have fallen through a hardship. i began a payment plan of {$150.00} beginning on XX/XX/XXXX bi weekly. the last payment i made was {$150.00} on XX/XX/XXXX i had to go out of town for a family emergency and i had unexpected expenses which caused me to be tight with money. on XX/XX/XXXX i was able to make a payment of {$50.00} i had fallen behind i had to report my debit card that was previously on file before was lost. once i got my new one i resumed the payment plan on XX/XX/XXXX of {$100.00} and the next two payments were on XX/XX/XXXX and XX/XX/XXXX of {$50.00} and on XX/XX/XXXX the next payments will be {$230.00}. I looked at my finances and realized that i am on very strict budget i am on a fixed income and i am barely making it and i am struggling to make ends meet. In total i have made 8 payments in total which comes out to {$840.00}. I would like to considered what i have paid towards this loan and close the account. and have the debt forgiven.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2024-01-14 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: GA

Complaint narrative:
There is an account reporting as XXXX XXXX XXXX XXXX on my report that does not belong to me. The company ( s ) continues to mark this account as verified without providing proof and documentation. The account does not match any information in my personal records ( ex. Address, accurate name, etc ). This account being listed on my file is violating my consumer right to accurate reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-14 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
This is in reference to an incident that occurred XX/XX/2018 when an unknown individual used my bank account by submitting a fraudulent check I was completely unaware of this activity as my identity has been stolen and I have been a victim of identity theft for XXXX XXXX leading up to this incident I can provide a copy of a police report as evidence is an ongoing issue this is my XXXX time disputing this same problem with XXXX XXXX XXXXXXXX Bank of America and the Consumer Financial Protection Bureau and nothing has been done to resolve the issue the person responsible for this fraudulent activity Who I believed to be a family member that lived with me at the time has used my identity to obtain apartments credit cards bank accounts credit accounts loans cards and even accumulated outstanding parking tickets among other things this individual has caused significant harm in my life and financial well being I have disputed this incident multiple times with early warnings yet it remains on my file I kind of request that they remove this incident from my file as it had nothing to me I also had this same incident on check systems and they investigated it and realized that it was fraud and they removed it it is important to note that my account was shut down due to this fraudulent activity which I believe is unfair considering that I was a victim of the situation additionally the debt associated with the incident is XXXX XXXX old and there is a XXXX balance owed to them maintaining a clean XXXX  history is the utmost importance to me and I kindly ask for your assistance and resolve in this matter. Not to mention the problem is with Bank of America which owns XXXX XXXX XXXX and if I have reached out to both companies yet they still allow this to remain on my 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 2024-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-14 00:00:00
Product: Credit reporting 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: FL

Complaint narrative:
Concerns About My Personal Info Being Shared Without Permission Hello, I hope you're doing well. My name is XXXX XXXX, and I need to talk to you about something important regarding my credit report. 

I noticed that some of my personal information was shared with another party without my permission. This doesn't seem right, and I believe it goes against the rules in the law ( 15 U.S. Code 6802 ) about sharing personal information.

According to the Fair Credit Reporting Act ( FCRA ), I have the right to know and control who accesses my personal details. The fact that my information was shared with someone not connected to your agency raises concerns about my privacy rights. I never had the chance to say no to this, which the law requires.

I want to be clear that my concern is not with the companies I owe money to but with your agency for sharing my information without asking me.

I checked the law ( 15 USC 1681b ), and it says you need my written permission to share my personal information. Since I haven't given that permission, I'm asking you to show proof that I agreed to it. If you can't, it might mean a violation of FCRA rules. 

I've already reported this to the Federal Trade Commission ( FTC ), and my complaint number is XXXX. I'm worried that this unauthorized sharing might be a form of identity theft ( 18 USC 1028a ). 

I officially request you to remove the following accounts from my credit report within four business days : XXXX XXXX - Account Number : XXXX ( this account has multiple errors from XXXX to XX/XX/2022, showing a repetitive late payment of 90 days, violating 15 USC 1681eb and inaccurate reporting ) XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX I have the right to fair and accurate credit reporting, and fixing these mistakes is crucial for the accuracy of my credit report. 

Also, I need you to explain how you verified that the information you have is accurate and that I had the chance to decline it. This is important for fairness and accuracy in credit reports. 

I hope we can resolve this matter within the specified four business days. If not, I might have to consider legal action. 

Thank you for addressing this promptly.

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 2024-01-14 00:00:00
Product: Credit reporting 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:
Concerns About My Personal Info Being Shared Without Permission Hello, I hope you're doing well. My name is XXXX XXXX, and I need to talk to you about something important regarding my credit report. 

I noticed that some of my personal information was shared with another party without my permission. This doesn't seem right, and I believe it goes against the rules in the law ( 15 U.S. Code 6802 ) about sharing personal information. 

According to the Fair Credit Reporting Act ( FCRA ), I have the right to know and control who accesses my personal details. The fact that my information was shared with someone not connected to your agency raises concerns about my privacy rights. I never had the chance to say no to this, which the law requires. 

I want to be clear that my concern is not with the companies I owe money to but with your agency for sharing my information without asking me. 

I checked the law ( 15 USC 1681b ), and it says you need my written permission to share my personal information. Since I haven't given that permission, I'm asking you to show proof that I agreed to it. If you can't, it might mean a violation of FCRA rules. 

I've already reported this to the Federal Trade Commission ( FTC ), and my complaint number is XXXX. I'm worried that this unauthorized sharing might be a form of identity theft ( 18 USC 1028a ). 

I officially request you to remove the following accounts from my credit report within four business days : XXXX XXXX - Account Number : XXXX ( this account has multiple errors from XXXX to XX/XX/2022, showing a repetitive late payment of 90 days, violating 15 USC 1681eb and inaccurate reporting ) XXXX Account Number XXXX XXXX XXXX Account Number XXXXXXXX XXXX XXXXXXXX XXXX XXXX Account XXXX XXXX I have the right to fair and accurate credit reporting, and fixing these mistakes is crucial for the accuracy of my credit report. 

Also, I need you to explain how you verified that the information you have is accurate and that I had the chance to decline it. This is important for fairness and accuracy in credit reports. 

I hope we can resolve this matter within the specified four business days. If not, I might have to consider legal action. 

Thank you for addressing this promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-14 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: WELLS FARGO & COMPANY
State: DE

Complaint narrative:
Around XX/XX/2024, I purchased tickets to travel to XXXX, Texas. After my arrival, I had some issues where the room I booked through XXXX was a double charged, and secondly, the room had a foul odor. I complained to the management, about the smell and the front desk clerk stated that she should change our rooms. The following when I went down to have the room changed, another clerk was at the desk and she informed me that it was not possible. When we left the hotel for breakfast, the clerk stated that she went to investigate the smell and would not honor the change of room as the previous front desk clerk stated. In addition to the invasion of privacy, the room smelled like smoke, and overall it was a bad experience.

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 2024-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
On XX/XX/XXXX I uploaded an identity theft report online to Experian. On XX/XX/XXXX the dispute was completed & the account remained on my credit report.

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 2024-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK
State: IN

Complaint narrative:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
This is an extension of my earlier complaint with XXXX- complain # XXXX. I closed my account with BOFA in XXXX of 2023. Since then, I have been trying hard to get my pending balance money delivered to me in the form of a cheque. 
The BOFA authorities just keep on calling me and assuring me that they have sent the cheque. They have done this 4 times now, but I have still not received my money. 
I request CFPB authorities an escalate action against BOFA so that I get not only my balance money but also interest for this delay and any penalty as applicable by law. 
If I do not get the final amount sent to me ASAP now, I will be pushed to take a legal action against BOFA.

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 2024-01-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
I have two emails both saying that if I brought my card up to current that I would be able to use it again. THAT WAS A LIE. Today after making all the payments I am told my card is been closed off for good. It is illegal to lie to customers and yet they did just that. I want them fined and the use of my card returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Never received letter to opt of credit reporting. 15UAC 6805. Experian, XXXX, Experian are non-affiliates of my credit cards

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 2024-01-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There is an account reporting as XXXX XXXX XXXX XXXX on my report that does not belong to me. The company ( s ) continues to mark this account as verified without providing proof and documentation. The account does not match any information in my personal records ( ex. Address, accurate name, etc ). This account being listed on my file is violating my consumer right to accurate reporting.

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