vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
Further to the acquisition of XXXX XXXX US retail business in early 2022 XXXX XXXX failed to implement appropriate systems and controls for the on-boarding of customer information from XXXX leading to errors in addresses and omissions in the contact data recorded for XXXX customers XXXX Furthermore, Citizens lack of appropriate systems and controls prevented customers that had been affected by these errors from contacting the group to discuss these problems. As an affected customer I wrote to Citizens group in XX/XX/2022 to explain my experience and ask for them to ; a. assure me that the lack of appropriate systems and controls would be addressed b. assist me in resolving the specific issue I had experienced as a result of their errors and inappropriate systems. 
Further to raising this complaint Citizens did not investigate the lack of appropriate systems and controls and did not provide an adequate solution to resolve the issues I had experienced. Full details are included in the letters sent to Citizens XXXX on the XXXX of XX/XX/2022 and XXXX of XX/XX/2022 along with supporting documents.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-14 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: GA

Complaint narrative:
XXXX XXXX has done everything since suing me and having to withdraw it. I have no taxable income so they couldn't get any money out of me after I lost everything going into forced retirement. This is yet another violation. These two XXXX XXXX cards, one with a balance of {$8300.00} and another card with a balance of {$3400.00} are both charged off accounts. This is inaccurate reporting. Secondly, both are reporting as " open '' on my XXXX report and on my Myfico report. Both are violations of my rights.

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 2022-10-14 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX has done everything since suing me and having to withdraw it. I have no taxable income so they couldn't get any money out of me after I lost everything going into forced retirement. This is yet another violation. These two XXXX XXXX cards, one with a balance of {$8300.00} and another card with a balance of {$3400.00} are both charged off accounts. This is inaccurate reporting. Secondly, both are reporting as " open '' on my XXXX report and on my Myfico report. Both are violations of my rights.

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 2022-10-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
In accordance with the fair credit act capital one has violated my rights 15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A SECTION 2 a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 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: LA

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 the 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 XXXXXXXX, Consumer ADJ 1304 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 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 accurate.

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 2022-10-14 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: FL

Complaint narrative:
There's incorrect personal information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 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 ( XXXX XXXX XXXX XXXX ), ( DEPT OF EDXXXX XXXX XXXX, ( XXXX DEPT OF ED ) has violated my rights. 

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. 

Please delete the following accounts : ( XXXX XXXX XXXX XXXX ), ( DEPT OF EDXXXX XXXX XXXX, ( XXXX DEPT OF ED ).

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 2022-10-14 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:
This is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter. Its been more than 30 days and not response via mail or email and i am highly upset. The stuff on my report is inaccurate and unverifiable. I am a real person so i dont want no automatic computer response saying this is unathorized. I am authorizing this complaint with proof of the disputes i sent out. Now please help me this because i will pursue litigation for false information. Now do your job now!!!! I have attached my ID and utility bill to show who i am

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Over the past few years my Chase Bank account had been frauded, credit cards issued to others not on account, forgery and forged checks, atm withdrawals taken out. My late husband was joint on all 5 of our accounts. We did not even know this was happening to us and by members of our own family. After my husband passed away last XX/XX/21 My daughter went on the account to make sure everything looked right. She started auditing and we were shocked to see hundreds of thousands of dollars gone. Forged signatures on checks of myself and my husband and a lot of wire transfers in huge amounts. Left me with hardly anything and my entire chase accounts compromised. My daughter helped me and it took her about 6 months to get it all prepared properly and to complete her audit and the executive office claims they lost her hard work of our proof and truth. Chase bank allowed all of this to happen and did not let myself or my late husband know. Chase bank and my family have done the largest amount of elder abuse, identity theft, and robbery I have ever imagined. Why Chase bank especially at executive office would loose our hardwork reports and allow such fraudulent behaviors and not pay us back a penny is completely unacceptable and disheartening. Someone even used my late husbands debit card after he was killed and also moved {$6000.00} in another wire transfer! Chase has not done a thing to help us not a thing. To me they are criminals just like the ex family members that were in our bank accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: IL

Complaint narrative:
On XX/XX/22, I received notification on XXXX XXXX that someone wanted to buy the bike I was selling for {$130.00}. They offered to send me the funds via XXXX to hold for later pick up. They said that they sent the funds to my personal email address that I had provided. I immediately received an email from XXXX saying that because my account was not a business account, I had to have a minimum of a {$300.00} transaction to activate the account in being able to receive the {$130.00}. It went on to say that I should ask the buyer to pay me an additional {$170.00} which would bring me to the {$300.00} minimum threshold and then simply refund the buyer the {$170.00} when done. The buyer, who said he received the same email, offered to send the additional funds. In both transactions, the buyer sent me a screen shot of the 2 deposits. I recieved another email from XXXX stating that they received the 2nd deposit and that once I refunded the extra {$170.00}, the final payment of {$130.00} would be released. I hadn't received any funds at this point but regardless, sent the buyer the refund for the {$170.00} per XXXX 's instructions. I then received yet another email from XXXX saying the {$170.00} I sent failed somehow and instructed me to send yet another {$170.00}. This is when I realized that I was being scammed and further relaized that the emails from XXXX were not valid and were in fact part of the scam. My husband, XXXX and I immediately contacted PNC for support to which they said they could not assist us in reversing the transactions and/or recovering my funds. I was scammed out of {$170.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/XXXX, someone was able to create a Bank of America account and gain access to my account to withdraw money from my checking. They also gained access to my sisters ' accounts and my parents ' accounts, as all of our accounts were linked together. In total, the fraudster was able to transfer out of our accounts almost {$300000.00}. From XX/XX/XXXX to XX/XX/XXXX Bank of America did an " investigation '' and provided us with very little to no updates, other than advising that the money was still within the bank and provided us with the name the fraudulent account was opened under. 

On XX/XX/XXXX, they sent us a letter finding us not liable for the account that was created, which the bank allowed to gain access to all of our accounts, but now is refusing to reimburse us for the money. They claim that unless we can prove our phones were hacked and that we did not authorize the transfer of funds, they can not give us back our money. Our accounts are frozen, we have lost a lot of money, and Bank of America is refusing to reimburse us. Instead, they have chosen to accuse us of authorizing fraud on our own account, leaving us with no money and for some of my family members, a complete and total loss of life savings. Any assistance would be greatly appreciated.

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 2022-10-14 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 ( DEPT OF EDUCATION/ XXXX ), ( XXXX XXXX XXXX  ), ( XXXX XXXX ) has violated my rights. 



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 an account without my written instructions. 



Please delete the following accounts : ( DEPT OF EDUCATION/ XXXX ), ( XXXX XXXX XXXX ), ( 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 2022-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing to dispute the inaccuracies on my credit report with Experian.

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 2022-10-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There's incorrect personal information on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
On XX/XX/XXXX, I reached out via courier service to Portfolio Recovery Associates , LLC asking them to please validate the debt they are currently trying to collect with my name on it. In this letter, I asked them to send me the following pieces of information to validate the debt. 1. The original contract with my wet signature on it. 2. The original creditor and their information. 3. Payment history including itemized billing. 4. Proof of ownership. 
On XX/XX/XXXX I received some of the information requested stating that they had completed their investigation of my dispute and found that the following pieces of information validates the debt, however, they did not send me the original contract nor all of the payment history including itemized billing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
PAYMENT STATUS AND HISTORY IS NOT ACCURATE. THIS IS A VIOLATION OF MY RIGHTS UNDER THE FCRA. IN ADDITION ; THERE ARE TWO DIFFERENT COMPANIES LISTED. THIS IS ALSO INACCURATE REPORTING AND A VIOLATION OF THE FRCA.

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 2022-10-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
PAYMENT STATUS AND HISTORY IS NOT ACCURATE. THIS IS A VIOLATION OF MY RIGHTS UNDER THE FCRA. IN ADDITION ; THERE ARE TWO DIFFERENT COMPANIES LISTED. THIS IS ALSO INACCURATE REPORTING AND A VIOLATION OF THE FRCA.

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 2022-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: KEYCORP
State: WA

Complaint narrative:
I received a promotion in the mail from KeyBank. It states if I open an account by XXXX and make a single direct deposit of XXXX dollars or more in the next 60 days they would give me XXXX dollars. I opened an account online XX/XX/XXXX with XXXX dollars using an on, line transfer from another bank account at XXXX. Today, XX/XX/XXXX I went in and deposited a check to this account for XXXX dollars. I asked the teller if this would qualify for this promotion. He was not sure since it might have said a direct deposit. I asked would this be considered a direct deposit. He was not sure. Concerned, I called Key Bank when I came home about XXXX XX/XX/XXXX. I was informed the check deposit was not considered a direct deposit. Reviewing the promotion, it does say direct deposit. The Keybank representative, XXXX, stated that direct deposit means to Keybank that it is from payroll type of institution such as Social Security, a pension, salary from a job, etc. Nowhere on the promotion does it enumerate the direct deposti means from such an institution and a check deposit by me would not count. I told XXXX, I considered this fraud since I am not in the banking industry and my idea of direct deposit is my going to the bank and directly making a deposit. Furthermore, these terms are impossible to comply with. I logged into my Social Security account and the soonest I effect a change to my direct deposit is my XXXX payment. I usually receive my Social Security payment on the XXXX of the month. To comply with the promotion terms I would have to receive a Social Security Payment by XX/XX/XXXX or XXXX. Clearly this is further fraud. I could not change my Social Security direct deposit institution without first having an open account at Keybank. Social Security will not change a direct deposit institution in less than 60 days. I have changed my Social Security direct deposit 4 business days after opening the Keybank account. Keybank full well knows these time frames of Social Security and have committed fraud by intentionally misleading me and probably many thousands of others. The float the gain will be a large windfall. I suspect they have targeted likely Social Security recipients by simply usiing a mailing list filtered on the age. Please fine Key Bank to the fullest possible extent and consider criminal prosecution of their executives. I have a copy of the promotion. I have screen shot of the Social Security screen. Please contact me if you need any further documents. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX How can your complaint be satisfactorily addressed? 
An investigation a large fine against Keybank and criminal fraud charges brought against this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 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: EQUIFAX, INC.
State: CA

Complaint narrative:
All the information is in the documents, please take the time to read

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I have called Paypal multiple times, getting different answers as to why I can not close my account. Latest being that I must have 180 days with XXXX transactions before my account can be closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There is a debt that is a result of property XXXX retaliation and sent a debt straight to collections 4 months after i moved and has never returned mt deposit, web i asked Transunion 2 times ive disputed and bot times back confirmed, which is a downright lie. if one looks at XXXX  ther are two complaints that are the same MO, they move out, months later when they have been told alls good, they find out there a debt on the report, so the people use trans union to scam us money and even when i showed the XXXX attorney, the collector defends this fraudulent behavior. Look at the attachment and the blatant way they are willing to rip us off, well. XXXX, stop stop reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-14 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have incorrect personal information on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief