vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
In XXXX of 2021, I was transitioning my father to a XXXXXXXX XXXX  in the XXXX. I tried to effect payment for my father 's entry into the XXXXXXXX XXXX. While corresponding with the XXXX XXXX  over email, the XXXXXXXX XXXX XXXX  business email address was compromised. I began corresponding with a fraudulent entity and received banking details associated with a XXXX XXXX-based branch of BB & T ( account holder " XXXX XXXX XXXX' ) that the entity said was connected to the XXXX XXXX XXXX. 

I transferred {$1400.00} on XX/XX/2021 and {$4200.00} on XX/XX/2021, for a total of {$5700.00}, to the BB & T account. In early XXXX, I was notified by the XXXXXXXX XXXX  that they never received payment and that their credentials were compromised. The XXXXXXXX XXXX states that they had no connection to an " XXXX XXXX '' and has demanded that I pay back the amount in full. I have been pleading with both the XXXX XXXX and with my banks to rectify this situation or shoulder responsibility for the hacking before paying the total amount again. 

I filed complaints with the XXXX and my local precinct immediately. 

In early XXXX, I also reached XXXX and XXXX XXXXXXXX XXXX to attempt to retrieve funds from BB & T. I also called the BB & T branch and head office to inform them of the fraudulent account. BB & T gave me no details regarding the account and let me know there was nothing that I could do but work through my banks. Unfortunately, XXXX and XXXX XXXX XXXX were unable to reclaim any lost funds and stated that they have set up an agreement 'in good faith ' with BB & T to reclaim funds should the fraudulent account ever be replenished. As of this writing, I have not received any reclaimed money. 

I would appreciate your support immensely. It's painful knowing that someone or some entities are fraudulently posing as XXXXXXXX XXXX and that banks may be willfully allowing this to happen by allowing people to open and close ghost accounts for these types of fraudulent transactions. I thank you for your time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I reviewed my recent credit report and upon checking I noticed that there is inaccurate and fraudulent account that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here is the list that indicates the company name, balance, and date last reported : XXXX  / {$62.00} / XX/XX/2022

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 2022-04-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I reviewed my recent credit report and upon checking I noticed that there is inaccurate and fraudulent account that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here is the list that indicates the company name, balance, and date last reported : XXXX / {$62.00} / XX/XX/2022

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 2022-04-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I reviewed my recent credit report and upon checking I noticed that there is inaccurate and fraudulent account that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here is the list that indicates the company name, balance, and date last reported : XXXX  / {$62.00} / XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: ND

Complaint narrative:
THERE IS INCORRECT PERSONAL INFORMATION ON MY CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
On XXXX XXXX I called XXXX Barckleys about the promotion they offer me about balance transfer to my checking account, I spoke with someone from XXXX to process my request, she asked me if I am ready to accept balance transfer, I ask her what account number you have, she said tell me your account number, I told her three times and I ask her to repeat the account number to me, she said it matches the number I have but I cant repeat to you because of security reason, I never receive the money and they charge me to my credit card and they want me to pay.

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 2022-04-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting Transunion, XXXX and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

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 2022-04-20 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: FL

Complaint narrative:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, XXXX and equifax i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
***Written by representation I represent XXXX XXXX in connection with Chase 's refusal to refund the {$9500.00} that had been in her Chase account, but that Chase recklessly paid to a fraudster by failing to adhere to the most basic security procedures. XXXX XXXX has been a Chase customer for almost 30 years. She always had been a happy, satisfied customer. She is not looking for trouble, or a new bank. She wants the most basic protections offered by Chase bank -- protection from a fraud. 

This should be an open and shut case in XXXX XXXXXXXX XXXX favor. Yet, for three months, she has written letters to Chase, and spoken with multiple Chase customer-service and fraud-department representatives, without any success. 

XXXX XXXX -- and Chase -- were caught in a holiday-time forgery ring that was notorious in XXXX XXXX XXXX NJ. A postal work had a master key and was stealing checks out of the mailbox that he had access to. He was caught and arrested. This was a time during which the bank should have been on heightened alert for fraud. We do not know the details of how the fraud unrolled, but presumably the bank 's records will reveal it. The bottom line is that Chase cashed a forged check against my client 's bank account, which should not have happened if Chase had adhered to standard security protocols. 

Chase issues bank statements on the first of each month. XXXX XXXX is not an online banker. Her XX/XX/XXXX statement did not arrive until well into XX/XX/XXXX. She promptly reviewed it and saw the {$9500.00} shortfall in her savings account. She immediately alerted the bank, and thus began what so far has been a 3 month process. My understanding is that Chase contends that it is not obligated to refund the {$9500.00} because her agreements with the bank require that she notify Chase within 30 days of the fraud, not even the reasonable discovery of the discrepancy. 

The agreements are contracts of adhesion. The shortened limitation period is in small print ; it is not called to the reader 's attention. The limitation period is unreasonable, unenforceable, and does not absolve Chase of liability for its grossly negligent and reckless acts that have caused XXXX XXXX damages. Please immediately refund XXXX XXXX 's {$9500.00} to her savings account. This situation is causing mental and physical stress to XXXX XXXX as this money is money saved for her daughter 's college and without this money being refunded - her daughter will be unable to attend university. 

We need your help for insight and suggestions as this is not fair that a bank keeps the money when fraudulence has been committed against my client.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Dear Sir, today I received one message my Home Depot credit card credit limit got down from {$5000.00} to {$2500.00} Whats reason they deducted my credit limit {$2400.00}? I think they made unfair decision against me which is harmful for my credit history. Please take necessary action urgently and let me know. Thanks!

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 2022-04-20 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A.
State: FL

Complaint narrative:
My son passed away. I took the order of summary administration to PNC in XXXX XXXX XXXX, XXXX, and they refuse to release the funds to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Inquiries XXXX XXXX through XX/XX/XXXX were not provided full credit report and score. No score. No correct trade lines. 
Equifax did not advise until XX/XX/XXXX of issue. 

Ive been consistently denied credit for over 1 year and misinformed by equifax until recent. My bank did not open trade lines and renew because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. 
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  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 : its also states a consumer reporting agency can not furnish a account without my written instructions. 
15 U.S.C 1681c. ( A ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more then seven years.

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 2022-04-20 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: WEBSTER BANK, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
I contacted Webster Bank a few times by phone and they wouldn't said I had to write in ( which I did ) and I never heard back in XXXX & XX/XX/XXXX. 

1. I paid this home equity loan account off 100 % and was not late as they are reporting in XXXX, XXXX XX/XX/XXXX and in XX/XX/XXXX & XX/XX/XXXX. They are even reporting me late when I had sold my home in XX/XX/XXXX. I told them this and they still report late pays when I paid on time and reporting late pays when I didn't own the home- the loan was 100 % paid offXXXX I also paid on time in XXXX & XXXX. 
An Example of all the reporting errors and things that are untrue 1. on XXXX XX/XX/XXXX Webster reports I am 90 days late paying- I had already sold the home & paid off the entire balance and owed them zero.. 
2. on XXXX XXXX XX/XX/XXXX XXXX reports XXXX am 60 days past due in XXXX XXXX even though again- I paid off the loan and didn't own home anymore. 
3. on XXXX XX/XX/XXXX they said I paid on time but I didn't own home. 

All 3 agencies are reporting a different number of late pays- Webster are also reporting as the wrong type of account.on my XXXX reports it as an overdraft checking account.. Its not a checking account.. 

I want this account removed and deleted from all 3 credit bureaus- XXXX, XXXX XXXX and XXXX..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Dear CFPB, Back in XX/XX/2020 Bank of America marked a late payment on credit report for a credit card I hold with them. 

I was never notified of this, neither via mail, email or a phone call. Only when I went to apply for a mortgage did I know I had this mark against my file. 

I was not ever given a chance to rectify this situation, despite being a long time customer of the Bank, and despite never having any issues with paying my bills in full and on time. 

I would like the late payment to be taken off my file, it is hindering me in life, and was practically speaking never anything I was allowed to do anything about. 

I hope you're able to help me get my life back together.

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 2022-04-20 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: FL

Complaint narrative:
With my recent credit report, there are late payment marked on it. I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it? The following accounts needs to rectify, it indicates the company name, balance and date last reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C. 1681 section 602A. States I have the right to privacy.

15 U.S.C. 1681 section 604A section 2 : It also states A consumer reporting agency can not furnish an account without my written instructions.

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 2022-04-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: MI

Complaint narrative:
I was " passed to '' or bought by Freedom Mortgage in XXXX of XXXX. I never had any problem until Freedom has been my mortgage company. My payment started out at $ XXXX and had potentially increased to $ XXXX in XXXX until I raised XXXX about whatever is going on with this company and my account. I have to call them 2 or 3 times monthly because of major discrepancies. Finally one of the representatives agreed that something was not right on my account and had the company do " research ''. My payment went from {$1300.00} ( the payment that was increasing from {$1300.00} in XX/XX/XXXX ), to {$1300.00} due to this research. Now I'm wondering about the balance. Is it correct? 
Ever since I've been with Freedom they have been literally hounding me to refinance by sending two big packets, calling and sending notices to me! 
In XXXX things really took a turn for the worst. All along, they kept constantly telling me that my Escrow was insufficient and my payment kept increasing. Finally, this year after they threatened to increase my payment once again from {$1300.00} to {$1300.00} for XXXX 's payment, I said, " If they're taking out almost {$700.00}. for my escrow each month how can I be so short so much? '' I feel like my payment is skyrocketing out of control! In XXXX I had decided that I needed to babysit Freedom and keeping very close track of my Escrow, but things are continuing to spiral. 
In XX/XX/XXXX they took two payments out of my account for $ XXXX and they had to refund a payment. 
In XX/XX/XXXX they took my payment of {$1300.00} ( my new payment after the research ) and then tried to take out {$1400.00}, charging XXXX non-sufficient fund fees to my account for {$30.00} for a total of {$60.00}. What can be done? Their are too many errors being made.

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 2022-04-20 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: NJ

Complaint narrative:
With my recent credit report, there are late payment marked on it. I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it? The following accounts needs to rectify, it indicates the company name, balance and date last reported : XXXX XXXX XXXX/ {$240000.00} / XX/XX/2022 XXXX LOAN/ {$0.00} / XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: HANCOCK WHITNEY BANK
State: LA

Complaint narrative:
MY DECEASED FATHER TOOK OUT A LOAN WITH HIS BANK ( HANCOCK WHITNEY BANK ) FOR OVER {$120000.00} WITH A PENDING BALANCE NOW OF APPROXIMATELY {$110000.00}. MY FATHER PASSED IN XXXX IN WHICH I LEARNED HE LISTED OUR HOME AS COLLATERAL. HANCOCK WHITNEY BANK ISSUED A NOTICE OF XXXX ( ATTACHED ) THROUGH THE STATE OF LOUISIANA, SHERIFF, PARISH OF XXXX IN XX/XX/XXXX FOR MY DECEASED FATHER 'S HOME IN WHICH I RESIDES ALONG WITH MY XXXX UNCLE. WE HAD BEEN LIVING WITH MY FATHER ALL OUR LIVES AND NOW IS UNABLE TO STOP XXXX OF OUR HOME. XXXX XXXX SEIZED MY FATHER 'S ENTIRE BANK ACCOUNT WHICH INCLUDED OVER {$11000.00} INSURANCE CLAIM MONEY FOR REPAIRS FROM HURRICANE XXXX, RETIREMENT PENSION OF APPROX. {$4000.00} PLUS ADDITIONAL MONEY. I HAD TO USE BORROWED MONEY AND OTHER FUNDS IN ORDER TO PAY FOR SOME EMERGENCY REPAIRS AS XXXX EXHAUSTED ACCOUNT WHEN INSURANCE REPAIRS MONEY WAS DEPOSITED. AFTER XXXX BANK SEIZED FUNDS, I WAS UNDER THE IMPRESSION THAT LOAN WAS PAID UP TO DATE AND THERE WAS NO PENDING FEES. MY FATHER DID NOT LEAVE A WILL AND SUCCESSION PROCESS IS STILL PENDING. WE HAVE NOWHERE ELSE TO GO AND MY UNDERSTANDING OF THIS ISSUE IS LIMITED. PLEASE HELP

Company response to consumer: Closed with explanation