vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
My complain involves two banks, Citi Bank and XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXXXXXX checking account was open over 13 years. 
XXXX. Citibank checking account was open on XX/XX/XXXX. It was closed on mid XX/XX/XXXX. It was reopened on XXXX XX/XX/XXXX. 

On XX/XX/XXXX I tried to do an external inbound money transfer of {$3000.00} using Citi bank online facility. The money was to come from my Bank of Checking account to my Citi Bank checking account. 

After transfer was initiated the money was withdrawn from XXXX XXXX XXXXXXXX checking accounts but was never deposited into my Citibank Bank. The reference number is XXXX. 

I see a message that Looks like were not able to complete this transaction. Please contact your external bank for more information. 

I called XXXX XXXX XXXXXXXX and informed the issue. The created a claim based on my complain. 
As part of complain, on XX/XX/XXXX, XXXX XXXX XXXX initiated an unauthorized money transfer and withdrew {$3000.00} from my Citi bank checking account and deposited in my XXXX XXXX XXXXXXXX Checking account and closed my claim. 

I still have {$3000.00} withdrawn from XXXX XXXX XXXXXXXX checking on XX/XX/XXXX, that I never received in my Citibank. 

When I call XXXX XXXX XXXXXXXX customer service, they say that your claim is resolved and we deposited {$3000.00} back to checking account. 

When I call Citibank customer service, they say your transaction on XX/XX/XXXX is cancelled and money was returned back to XXXX XXXXXXXX XXXX. ( I think the money didnt get deposited in Citibank was because the account was closed and just reopened on XX/XX/XXXX ) But the money that deducted on XXXX was from my exiting funds with Citibank checking account. 

I still have not received my money of {$300.00}, that was deducted from XXXX XXXX XXXXXXXX on XX/XX/XXXX in my Citibank account. 
Attached is XXXX.transaction details from XXXX XXXX XXXXXXXX XXXX XXXX transaction details from Citibank and XXXX XXXX Screenshot of failed external transaction transfer from Citibank. 

I am frustrated calling both banks. Both tells me to call the other Bank. Please help in getting my money back that withdrawn from XXXX XXXX XXXXXXXX that never went to Citibank.

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 2023-02-16 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 — Their investigation did not fix an error on your report
Company: MORTGAGE SOLUTIONS OF COLORADO
State: IN

Complaint narrative:
This debt was paid in full as of XX/XX/XXXX of XXXX and house was sold. XXXX of XXXX they added a remark on my credit report saying collections account with {$0.00} balance. This is showing up as an active collection and I can not finance a home until this is removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 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 pulled my credit report and I noticed the account XXXX XXXX XXXX XXXXXXXX XXXX. It is listed as a charge off. According to the IRS publication a charge off is a certificate of indebrness. A Charge off is income and you don't report income on a credit report nor did I receive a XXXX from the 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 non-monetary relief
Consumer complaint received 2023-02-16 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: EQUIFAX, INC.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account XXXX XXXX Department of Ed/XXXX  Account # 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 : It 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 than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 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: EQUIFAX, INC.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account XXXX XXXX Department of Ed/XXXX  Account # 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 : It 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 than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I sent a check to a vendor who's address was a po box XXXX After a bit, the vendor reached out to me asking when I would pay the bill. I had advised him by remitting the payment advice from XXXX that the bill was paid in full. After a bit or research it was discovered that the check ( Business to Business ) was stolen from his po box and cashed at another institution, XXXX XXXX. 

In the coming months I've come to learn that it's not allowed for XXXX to XXXX checks to be cashed. Not only that, but neither of us had an account at XXXX XXXX. Initially, XXXX refunded my money, but after 2 weeks, they took the money back saying that they would attempt to get the funds from XXXX XXXX on my behalf. 

It has been 1 year, and they still have not refunded the money that was fraudulently given to another party. I have done everything in my power to have this case handled quickly and efficiently including signing an affidavit with the vendor that accounts for the situation. I not only used a banks method of payment, but by using the bill pay service, I was under the impression I had another level of security against fraud. 

I would appreciate any help in regaining my funds, and would have no problem discussing this issue at length with others to avoid similar situations in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My credit card was stolen and maxed out and a loan was taken out of my name, .Here are the two accounts though both credit bureaus have different account numbers. I was told by the credit bureau my accounts were investigate it properly why do I have to different account numbers. Where is my signature signing off on this? 

XXXX. XXXX XXXX XXXX XXXX  Account XXXX {$7400.00} XXXXXXXX XXXX  : Account XXXX {$11000.00} XXXX. XXXX XXXX XXXX Account XXXX. {$7400.00} XXXX XXXX : Account XXXX. {$11000.00}

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 2023-02-16 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Silverman Theologou, LLP
State: WA

Complaint narrative:
In an attempt to collect a debt XXXX XXXX was contacted by XXXX XXXX to send communications to " XXXX XXXX '' for account No. XXXX. 
The account was tied to XXXX XXXX with XXXX ending in XXXX. 
XXXX XXXX has failed to provide any background documents relating alleged debt and any background documents giving her ( or XXXX XXXX ) the authority to attempt to collect an alleged debt for any entity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
On XX/XX/2023 I received an alert that there was a hard inquiry from a credit card company. I looked at all XXXX credit bureaus and this inquiry only appeared on Equifax. I called Equifax to report that I hadn't applied for a credit card from the company in question, and they told me to contact the company directly, which I did. The credit card company was not able to find any applications in my name, even though I provided them phone number, past and present home addresses, social security number and other details. They said that maybe Equifax had made a mistake. I called Equifax again and they stated that they definitely had a hard inquiry from the credit card company and they instructed me to contact them a XXXX time, which I did. Again, the credit card company confirmed that they had no applications from me. I called Equifax a XXXX time and they said I had to file a dispute with them, then file an Identity Theft report with the FTC, and send Equifax a letter, including the FTC report, my driver 's license, and my social security card in order for them to remove the hard inquiry. I sent all the requested information to them via mail and never heard back. I called them today and the Equifax agent told me that my dispute was rejected because my FTC Report Number was invalid since it didn't have a date on it. On the FTC Identity Theft website, it clearly asks you the date the fraud began and the date you discovered it, and they allow you to choose a month from a drop down box and a year. I filled out this information and put down XX/XX/2023. The FTC does not allow you to choose the exact day in their system. In my personal statement in the FTC report, I wrote down the exact date this happened, but Equifax is telling me that I didn't report any date. The agent told me I needed to get a police report now and redo the FTC report and submit everything again. I asked to speak to a supervisor at Equifax. The supervisor told me that the other agent was wrong, I do not need a police report, but the reason why my dispute was rejected was because my FTC report doesn't contain a date. It clearly has a date on it, however. The Equifax agent then told me that I have to contact the FTC and " get help '' filling out the form. I need to resubmit everything again, with a new FTC report and I somehow have to force the system to record the exact date, even though this isn't an option that I am given on IdentityTheft.gov website. Equifax clearly does not know what they are doing and they are making it impossible for me to get a fraudulent hard inquiry removed from my account. I am a victim of identity theft and this is frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
XXXX has committed several errors. # XXXX they will not accept a recorded XXXX XXXX XXXX, naming the heir as beneficiary of the estate. In the state of Florida a XXXX XXXX XXXX  serves in lieu of probate or a Last Will and testament. 

Additionally, XXXX is showing the property as a Real Estate Own, when in fact the never successfully foreclosed on the property. XXXX is still under the name of XXXX name and they refuse to review for a loss mitigation due to this errors

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX, South Carolina XXXX XXXX XX/XX/2023 I, XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. The amount ( s ) owed are no longer outstanding for the following items : Party Owed : XXXX XXXX XXXX Amount : {$1300.00} I am disputing this claim due to : I HAVE NO KNOWLEDGE OF THIS ACCOUNT. IT IS FRAUDULENT AND I AM REQUESTING THAT IT BE REMOVED IMMEDIATELY. 

This is my official request to have to aforementioned item to be deleted off my credit report. Enclosed may be additional evidence to support my claim.

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 2023-02-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Avant Holding Company, Inc.
State: CA

Complaint narrative:
I did not open this credit card so the company closed it and said they would pay us {$280.00} that would take 2 to 3 weeks. Well it is past 3 weeks and I still have not received it. Now they are not responding to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 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: TOYOTA MOTOR CREDIT CORPORATION
State: VA

Complaint narrative:
LITIGATION : I have not been supplied proof per doctrine of estoppel by silence. Engelhardt V. Gravens mo. 281 SW 715,719. I presume no evidence of the Alleged Debt therefore exists

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 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: CARRINGTON MORTGAGE SERVICES, LLC
State: VA

Complaint narrative:
LITIGATION : I have not been supplied proof per doctrine of estoppel by silence. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I presume no evidence of the Alleged Debt therefore exists

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 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: VA

Complaint narrative:
LITIGATION : I have not been supplied proof per doctrine of estoppel by silence. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I presume no evidence of the Alleged Debt therefore exists

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 2023-02-16 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
I have a collections account show up on my experian credit report that is not mine. When I disputed it they sent me info with the wrong name. They claim they have verified the account which is impossible since I never opened an account with XXXX XXXX, they dont service my area.I dont understand how they can verify my account when they dont have my name correct. I have a spotless record of no late payments for 20 years and this XXXX dollar collection account that is not mine is now adversely affecting my credit.

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 2023-02-16 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 AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 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 2023-02-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
1. Navient was servicing my loans XXXX loans. 
2. I never skipped a payment and my account was in really good standing. 
3. On XX/XX/XXXX I made a payment to my account of {$270.00} ( in excess of my XXXX required payments - also they never froze interests during the pandemic ) 4. On XX/XX/XXXX my balance was of {$45000.00}. 
5. On XX/XX/XXXX the Department of Education purchased/consolidated my loans with a payment to Navient of {$45000.00}. 
6.That is a difference of {$360.00}.

7.There could not have been late fees because I made a payment of {$270.00} on XX/XX/XXXX and the interests ( 4.5 % ) would not amount to {$360.00} ( can not be more than {$50.00} ) 8. I called Navient and they would not address my concerns. 
9. I checked with the Department of Education if there were any consolidations fees and they assured me there were not. 
10. I wrote to Navient twice and they have not addressed my issue. 
11. I'm entitled to know what happened to the difference Thank you in advance for your help. 
Kind Regards XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
Went into Fifth Third Bank at XXXX XXXX XXXX XXXX, IL XXXX. 

This afternoon I went into my local fifth third branch to do a withdrawal of {$2000.00}. Ive banked with fifth third for over 10 years plus and I withdraw money regularly, today I went in to do a regular withdrawal. I provided my Drivers License as well and my debit card to XXXX and she was initial rude, she proceeded to ask me a series of questions pertaining to my account as if there was something wrong with the account or as if i wasnt the owner of the account. I answered all questions as needed and she told me they were wrong. I opened my account 10 plus years ago, I do not remember all of the questions that i mightve set up but instead of her sending me over to a banker to potentially rest my security question or for further authentication. her attitude grew stronger and she told me that she can no longer assist me, although I was authenticated by pin AND with my drivers license. At this time I became agitated and frustrated. I asked for a manager ( XXXX XXXX XXXX ), and unfortunately the manager was the same exact way! instead of him trying to find a way to help resolve the situation, he made it even worse! He was not helpful at all, and spoke to me in a rude way! After having me in the branch for 1 hour he finally let me withdrawal the amount. For me to have a relationship with fifth third for over 10 years they should be ashamed of themselves! This was a very distasteful visit! Im very disappointed, I loved fifth third and being a client. I even wanted to apply for a mortgage loan with the bank since ive been with them for so long but this is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 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: MD

Complaint narrative:
I notice unusual account activity, receive credit cards or bills for accounts they did not open, receive collection notices for debts they do not owe, have email or password changes they did not initiate, see suspicious activity on their credit report, or receive phishing attempts asking for personal information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 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: PA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from 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 non-monetary relief