vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-03 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: CA

Complaint narrative:
I've filed XXXX disputes with Equifax. An account from XXXX XXXX is too old to be on my account. The date of my last delinquency has been over XXXX years and they are still reporting it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 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: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
hard inquiry on XX/XX/2023, i did NOT apply for a credit card. reported as fraud

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-03 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: IL

Complaint narrative:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: WV

Complaint narrative:
I was notified that MOHELA was receiving my loans from XXXX. I have tried to set up an account with them to no avail. I called them and was on the phone FOR AN HOUR. I have recived nothing from them regarding my loans or the transfer. I am unable to set up an account because they said the information I provided them about my date of birth, social security number, and last name are wrong when they are not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Good morning. Since the date of XX/XX/2022 I deposited a check electronically to Citibank and mistakenly forgot that it was already deposited. I then deposited the same check into a XXXX atm days later. Because of this duplicate deposit my account was under investigation and closed. Since then, I have been calling back every week for months and the bank representatives tell me a different story about what is happening with my funds every time I call. Nobody is giving me any real assistance as Ive needed my money back urgently for a long time now and they continue to give me a run around for my money. Please assist. 

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 monetary relief
Consumer complaint received 2023-02-03 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: OH

Complaint narrative:
hard inquiry on XX/XX/2023, i did NOT apply for a credit card. reported as fraud

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 2023-02-03 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: OH

Complaint narrative:
hard inquiry on XX/XX/2023, i did NOT apply for a credit card. reported as fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 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: Colony Brands, Inc.
State: NJ

Complaint narrative:
they went in my car and stole my purse and whoever find it is been trying to open couples account under my name, I have call this place to explain to them what happen and to give them the police report number of my stolen purse and they told me they was gon na work on removing that hard inquiry off my credit and is been more than 8 months and they don't removed knowing I was going thru identity theft. XXXX XXXX. this been going on since XX/XX/2022 i need them to remove this hard inquiry from my credit report because i call them about this, and i explain everything to them, I shouldn't have this on my credit when i reported identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
On XX/XX/XXXX a credit card account was opened without my knowledge. 

Account type - REVOLVING Condition - Open Responsibility - Individual Term ( in months ) - NA Remarks- NA Date of account status - XX/XX/XXXX Times XX/XX/XXXX days late - XXXX Creditor info COMENITYCAPITALXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
XX/XX/23 I received a call from Chase credit card that a business card was placed in my name and cancelled the account. 
XX/XX/23 I received the business credit card in the mail to my home address. Contacted Chase about my personal credit card to confirm no activity and cancelled to get a new card. 
XX/XX/23 will be placing a fraud alert with reporting agencies, file police report and completing information through Chase to obtain information on how this application was submitted. 
I have a personal credit card with Chase bank that contains my email yet they allowed this person to apply and use another email and never notified me of the change of email or addition to my account and used the new email address given. They could have caught the fraud at application.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-03 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRUIST FINANCIAL CORPORATION
State: LA

Complaint narrative:
Ive filed several disputes to remove this item from my credit stating it was from identity theft even sent in a ftc report along with police report and a copy of my id and they keep saying its verified accurate transunion an XXXX are giving me such a hard time with this account ( regional acceptance ) last dispute with report and ftc report was on XX/XX/ in with they have closed and Ive had to file yet another one XXXX removed the items on my police 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 2023-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: M&T BANK CORPORATION
State: PA

Complaint narrative:
I opened an M & T Premium Checking account on XX/XX/XXXX, using XXXX XXXX XXXXXXXX  which offered : Simply open your XXXX XXXX Checking account by XX/XX/XXXX with XXXX XXXX XXXX, and maintain an average monthly balance of at least {$10000.00} in XX/XX/XXXX and XXXX XXXX Get an extra {$150.00} Set up qualifying direct deposits to your new XXXX XXXX Checking account, totaling at least {$500.00}, within 90 days of account opening.1 I deposited some money In XXXX, so as of XX/XX/XXXX, the balance in this account was {$12000.00}. I then continued depositing money. As of XX/XX/XXXX, the balance was {$24000.00}. I continued depositing money into XXXX, and then on XX/XX/XXXX, I withdrew some money. As of XX/XX/XXXX, the balance was {$8100.00}. 

It seems to me that, although the specific calculation of average monthly balance was not defined in the terms of the offer, any reasonable calculation would have my average monthly balance in this account as higher than {$10000.00} in the months of XXXX and XX/XX/XXXX. As I understand it, the most typical definition of average monthly balance is : ( the sum of each days closing balance ) / ( number of days in the month ) By that definition, my average monthly balance was {$17000.00} in XX/XX/XXXX and {$24000.00} in XX/XX/XXXX. 

However, M & T is refusing to pay out the {$300.00} bonus. They are claiming that the account balance had to be above {$10000.00} throughout XXXX and XX/XX/XXXX to earn the bonus. But thats not what the offer said! You can see, even today, they have a similar offer up at XXXX : XXXX with similar requirements : To receive the Premium Checking Bonus, open a new XXXX XXXX Checking account between XX/XX/XXXX and XX/XX/XXXX and maintain an average monthly Premium Checking account balance of at least {$10000.00} for the months of XXXX and XX/XX/XXXX. 

And you can see, in those terms for this similar offer, there is no mention of any requirement that the balance be above {$10000.00} throughout the entirety of the months in question, only that the *average monthly balance* be above {$10000.00} for those months. 

Help?

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 2023-02-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I got an auto loan with Ally Financial Bank, the vehicle in question with the loan is a lemon vehicle. I tried many times addressing that to them. The vehicle finally broke down where I could not afford the repairs. I called about 8 months ago from today XXXX  They still have not repossessed the vehicle and continue to give me problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: IL

Complaint narrative:
On XX/XX/ 2022, my wife went to PNC bank for an international wire transfer of {$1500.00}. The bank office made a mistake, and the wire transfer was done twice ( {$1500.00} plus {$1500.00} ) without my authorization ( I have a copy of the signed paper from the bank for one wire transfer only ). The bank did not inform me of the mistake, and i found out about that only when i checked my bank account on-line few days later. As of today, after almost 3 months approx. the bank has not returned the money yet ( 2nd wire transfer of {$1500.00} sent out as bank mistake ). Every time I call the bank both : subsidiary and head office ; they have plenty of excuse and I am very frustrated because they do not want to take the responsibility of their mistakes. I need your help and support to make pressure to PNC Bank returning my money in my account. More than happy to hold a conversation with your representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: KEYCORP
State: MA

Complaint narrative:
My computer got hacked and got wrong wiring instructions, i was sending a wire to who i thought was a vendor " XXXX XXXX '' on XX/XX/2023. My bank ( XXXX XXXX XXXX '' sent the wire to XXXX XXXX XXXX XXXX  -- - the beneficiary on the wire was " XXXX XXXX ''. Once we found out this was a fraud, workers credit union on XX/XX/2023 sent a request to Key Bank to return the wire. Key Bank sent an email stating that the beneficiary of the wire was a name '' XXXX XXXX not XXXX XXXX XXXX. Key bank also stated that XXXX XXXX wired this money 2 more times to other Key bank branches -- the first being Key bank in XXXX XXXX XXXX  then that got wired to Key Bank- XXXX XXXX XXXX 

To me, Key Bank has a responsibility here -- 1 ) they never checked to make sure the beneficiary was correct -- i sent it to a business and it ends up in someone personal acct??? that should send a red flag 2 ) then the person " moves '' that same money to two different key bank locations -- that should be a BIG red flag the amt of the fraud is {$46000.00} actions taking 1 ) filed a report w FBI 2 ) filed report w local police 3 ) my bank - XXXX XXXX fraud div has contacted Key Bank Fraud and am waiting on response

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
On XX/XX/XXXX an account was opened without my knowledge. 

CREDIT CARD - " WF CRD SVC '' Credit Limit - {$1500.00} Current Balance - {$890.00} Account Type - REVOLVING Condition - Open Responsibility - INDIVIDUAL Term ( in months ) - NA Remarks- NA Date of Account Status - XX/XX/XXXX Payment Status - Current Times XX/XX/XXXX Days Late - XXXX XXXX XXXX XXXX XXXX CREDITOR INFO WF CRD SVC XXXX XXXX XXXX XXXX XXXX, IA XXXX ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I have have contacted this company by certified mail to request the verification of the negative items they are reporting. In pursuit to the Fair Debt Collections Practices Act, 15USC 1692 Sec.809 ( b ). You are required under the above named titled and section, to show your lawful authority to collected on an alleged debt claim ; I have requested " ALL '' of the following items : The name and address of the original creditor A copy of the original contract between myself and the original creditor.

The original application for this account with my signature.

A copy of the agreement authorizing your company to collected on their behalf of the original creditor.

FULL detailed accounting history on the account and the calculations on how they reached the amount owe.

Provide verification on any judgments connected to this account.

Provide your license to collect in my state and your registered agent name with their address.

Please show proof that the Statue of Limitations has not expired in my state for this account.

Provide the date of the last payment on this account. 

They are listing the items in question to credit bureaus from : XXXX. XXXX Bank XXXX. XXXX Bank XXXX. XXXX XXXX This company has " FAILED '' to provide me with " ALL '' of the items requested above. They have also repeatedly harassed me by phone, mail, and have had individuals show up at my home in attempt to serve me with a lawsuit.

I have never gone into a signed agreement or contract with this company and do not owe them for any debt.

I am in complete distress due to them violating my right to privacy, and reporting the companies listed in this complaint without my written permission, written consent, or written instructions. I have not at any time provided the credit bureaus or the companies listed in this complaint with written permission, written consent or written instructions to report these items on my credit report. They are breaking the laws set in place by the Fair Credit Reporting Act.

They have broken the following Fair Credit Reporting Act laws : 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 Their violations have caused me to be denied credit, denied the right to purchase a home, declined the right to lease an apartment, denied business loans, denied employment, and denied insurance. Their violations have also caused me distress and embarrassment. These violations must end now. I am requesting that they discontinue reporting and remove all negative information that they have reported to the credit bureaus in regard to the companies listed in this complaint, and for any other companies that they might have associated with my name. 

Best, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Fraudulent credit inquiry ( someone attempted to get a credit card or credit ) with my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 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: GA

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. 

Account name : 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 Has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-02-03 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: GA

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. 

Account name : 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 Has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-02-03 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:
XXXX XXXX XXXX, Has Failed to provide the following documents ; A wet inked contract with my signature on it. I have requested this document 5 times now and they have not sent into me. 

On the bill they attached to the CFPB complaint the address was incorrect and that address does not belong to me. 

Also, the amount that is showing on the bill is attached to the CFPB is showing an amount of {$230.00}, but on my credit report the amount is showing {$990.00} Per 15 U.S. Code 1679c - Disclosures, I have a right to dispute inaccurate information in your credit report.

This collection only shows up on Equifax and does not show up on my other 2 report. Which this is false and misleading information.

Nevertheless, it's against HIPAA laws to share information with 3rd party collection companies.

Company response to consumer: Closed with explanation