vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-06 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I am writing about a problem that I have had with getting Citibank to pay out a refund of {$2300.00} for a fraudulent charge made on my elderly mother 's credit card back on XX/XX/2022. Note that I have power of attorney for my mother 's account. Citibank has agreed that the charge was fraudulent and to pay the refund. However, they have stil not paid the refund as of XX/XX/XXXX. Each time I call them, they have indicated they have closed the issue, but, when questioned, agree that they have not paid the refund and reopen the issue, only to close it again without paying. The frustration is compounded by the fact that the fraudulent charge was allowed by Citibank despite the account already having been locked due to prior fraudulent charges that we noticed. This appears to be an error with Citibank 's fraud handling system. The system is designed so that recurring charges ( e.g. monthly membership fees ) can still be posted by vendors even if the account is locked, but the system makes mistakes and sometimes allows repeat fraudulent charges to be posted even if the account was locked from a prior report of fraudluent use of the credit card.

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 2022-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED COMMUNITY BANK
State: GA

Complaint narrative:
On XX/XX/2022 I notified my bank that a check I mailed to a business had been changed and that the entire check had been rewritten. I don't know if it was stolen from the mailbox or if someone at the company did this. 

I drove to the bank, they pulled the check since it was actually physically in their branch and stated the check had been clearly washed. Watermarks were visible on the check the the check 's original background was missing from the check. I showed them my carbon copy of the check in my check book to show how the check was originally written. They informed me that people do this to themselves all the time, but they didn't think I had done it. They also stated that if I had found the issue in 24 hours instead of 36 hours they would have returned my money immediately. Today, XX/XX/XXXX, they are telling me that they still have 10 days to review the claim instead of returning my money to me and that the day I reported the issue and holidays don't count against their days. 

The police have been to the bank, issued a subpoena and the bank is still refusing to return my money. 

It's a lot of money for me, {$7600.00}. Under the law they have 1 day to return the money once they have identified that they made a mistake but are unwilling to return my money.

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 2022-10-06 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: TX

Complaint narrative:
Equifax I was looking at my credit report and found this account still reporting on my credit report please remove it

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: VA

Complaint narrative:
On going disputes with GM Card Marcus by Goldman Sachs since XXXX of 2022 because of fraudulent charges for {$290.00}. I have contacted XXXX with XXXX. I have documents that has a females name and a foreign email address.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: United PanAm Financial Corp.
State: IN

Complaint narrative:
My vehicle was reposed in 2019 United auto credit contacted me and I set up a payment plan with them XXXX dollars biweekly when covid hit I was unemployed noticed them they asked if I had anyone who could still pay for me, they had no empathy for the pandemic they constantly called me emailed me, was threatening to garnish my wages they threw the derogatory mark on my credit report after I told them to give me a few months I will get back on the plan, they said they couldn't wait they needed payments monthly they caused my score to drop so low I wasn't able to get anything so not only was I unemployed but I was going through the pandemic and united auto credit was still harassing me and every now and then I still get calls while trying to do everything possible to rebuild my credit to get back on track, I have purchased XXXX cars since then but I would like that tooken off my credit can someone help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 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: Early Warning Services, LLC
State: CA

Complaint narrative:
Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX | XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a XXXX report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 
I demand to see the Verifiable Proof ( an original consumer contract with my signature on it ) you have on file of the account listed below. Your failure to positively verify this account has hurt my ability to obtain banking services. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the account listed below. I have disputed this in accurate report before have called XXXX XXXXXXXX XXXX over XXXX times and they simply say that account has been closed and we have no access to remove the report. I simply ask why is it being reported as Closed for fraud why? 
Please verify the following account or remove it immediately. 
XXXX XXXXXXXX XXXX Reported For : Fraudulent activity

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: ACQ Holdings, LLC.
State: IN

Complaint narrative:
First of all this company will not quit harassing me for payment on loan that i never applied for in the first place, second never recieved, and third they can not provide proof of any of the above. In fact when confronted about this, they stated that they deposited the loan into XXXX XXXX XXXX. Which I'm sorry we all know that's fradualant talk in the first place weather it be on their part, or the ignoramus that took that down as being a bank and issued a loan for someone in my names fraudulently. I can assure you that no such loan for the disclosed amount was ever deposited into my account and I can and will provide proof of that. Either way they have no means of accessing my account in any way. This harassment has got to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 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: TN

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 Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. section 2,3 5 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 record of comradiarmac which 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 XXXX 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. Also the inaccurate information on my names and addresses Ive disputed to no avail. Multiple hours spent calling all 3 agencies and nothing. Disgrace to Me as a Human and The Consumer Laws that Protect Me. 

Accounts : XXXX $ XXXX XXXX $ XXXX XXXX. XXXX XXXX XXXXXXXX XXXX  XXXX hard inquiry XXXX XXXX XXXX  XXXX Hardy inquiry XXXX XXXX XXXX XXXX XXXX $ XXXX XXXX All Hard and Soft Inquiries Must Go as I have No Written Permission Period All My Right Were Vilated Under Laws 15 USC 1681 Section 6060029

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 2022-10-06 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: TN

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 Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. section 2,3 5 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 record of comradiarmac which 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. Also the inaccurate information on my names and addresses Ive disputed to no avail. Multiple hours spent calling all XXXX agencies and nothing. Disgrace to Me as a Human and The Consumer Laws that Protect Me. 

Accounts : XXXX $ XXXX XXXX $ XXXX XXXX. XXXX XXXX XXXX XXXX  XXXX hard inquiry XXXX XXXXXXXX XXXX  XXXX Hardy inquiry XXXX XXXX XXXX XXXX XXXX $ XXXX XXXX All Hard and Soft Inquiries Must Go as I have No Written Permission Period All My Right Were Vilated Under Laws 15 USC 1681 Section 6060029

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 2022-10-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXXXXXX XXXX had a fraudulent account linked to my name. I contact the bank and resolved the issue. I then filed a TransUnion dispute on XX/XX/2022, which was resolved on XX/XX/2022, and stated that the account would be removed from my credit report. 
TransUnion dispute XXXX. As of today, XX/XX/2022, the item still appears on my credit report. [ Please note that both XXXX and XXXX appropriately removed it ]. I contacted Trans Union support and they were unable to help me.

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 2022-10-06 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
This is ridiculous! I havent received a response from transunion after sending in letters 5 weeks ago. Isnt that illegal? I thought transunion must respond to your letters within 30 days or its an automatic deletion. Please review the letters I've been sending out! 
According to FCRA this accounts are in violation of not reporting 100 % accurate informations. Remove it immediately! 
XXXX XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX XXXX {$36000.00} XXXX XXXX XXXXXXXX {$2800.00}

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 non-monetary relief
Consumer complaint received 2022-10-06 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: AL

Complaint narrative:
Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

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 2022-10-06 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: AL

Complaint narrative:
Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 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: FL

Complaint narrative:
I wanted to dispute these because of this and it was affecting my credit report.I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting 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
Consumer complaint received 2022-10-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
On XXXX I have contacted Marcus XXXX  by Goldman Sachs to find out my savings account details for a wire transfer. I have done this by logging in to my account at marcus.com website and using the chat system on the website. 

The chat agent gave me the following details for the wire transfer to my account : Account number : XXXX. 
Bank name and address : Goldman Sachs Bank USA XXXX XXXX XXXX XXXX XXXX, Utah XXXX. 

My sister has transferred XXXX XXXX USD to the above mentioned details on the same day ( wire confirmation attached ) from her account with XXXX XXXX XXXX 

I have started to check my account every few hours after that but haven't seen the transfer. I contacted Marcus XXXX  numerous times to find out why the money is not being credited. At first, Marcus XXXX  told me that the funds haven't arrived yet. Then they told me that the transfer has been rejected. Then they told me that the transfer has never been received. 

I asked several times to provide any form of confirmation that the transfer hasn't arrived or was rejected/ sent back to XXXX XXXX XXXX Marcus XXXX  refused without explaining the reason. Today is XX/XX/2022 and I still can't get any information from Marcus XXXX. 

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 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: PA

Complaint narrative:
Hello, my name is XXXX. I am a victim of Identity theft. I hear about robberies and muggings often, I'd never thought that I'd be the one going through it, unfortunately I was robbed at XXXX while picking my dog up from XXXX and my wallet, purse, phone, and dog was all stolen. In my wallet was my ID and social security card among many of other valuables. I did not get to see my XXXX XXXX as they approached me from behind while I was kneeling to clean up my dogs mess after she relieved herself. I noticed this problem XXXX, 2022 I am writing to delete the following information in my file. The items I need deleted are listed in the report, i am a victim and i did not make these charges I ask that these items are deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 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: TX

Complaint narrative:
, In accordance of the Fair Credit Reporting act these accounts has violated my rights and is reporting inaccurate information. Please remove following account : Account name : XXXX # XXXX XXXXXXXX Account name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXXXXXX # XXXX XXXXXXXX Account name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX  XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXXXXXX # XXXX XXXX Account name XXXX XXXX XXXX XXXX XXXX XXXX  Account name : XXXX XXXX XXXX XXXX XXXX  Account name : 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 : 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 2022-10-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/2022, charges were made on my Capital One SavorOne World Elite Mastercard credit card account ending in XXXX in the following amounts by a company called XXXX  : {$58.00}, {$190.00}, {$750.00} and {$480.00}. I did not have anything to do with these charges. The fraud also occurred simultaneously on another credit card of mine and on my debit card. The company name changed once it processed on the credit card statement to XXXX XXXX XXXX for the {$58.00} charge and XXXX XXXX XXXX XXXX XXXX for the other three charges. 

The morning of XX/XX/2022, XXXX from Capital One Fraud Department telephoned me to inquire if I was aware of these charges. I told her I was not aware and she immediately confirmed she would put a restriction on the credit card to investigate these charges. The case number is : XXXX. 

After complaining by telephone to Capital One 's fraud department that I didn't think they should ask for an image of my social security card as part of the fraud claim, I gave up and on XX/XX/2022, I uploaded images of all the documentation Capital One required, using Capital One 's link they emailed me. I had to send them my Driver 's License, Social Security card, and proof of residency. 

I have telephoned Capital One nearly every week since this fraud occurred and each time the representative asks for the documents again. Each time I remind them I've sent the documents twice already, to which they reply I will hear from them between 7-10 working days. It has been over a month since I asked Capital One to remove these fraudulent charges. Thank you!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: SC

Complaint narrative:
My account was closed on My credit report on XXXX XXXXafterItoldsantandermyaccountwasclosedtheyresumittedonmyreportonXXXX

Company response to consumer: Closed with explanation