vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
I've recently become my mother 's permanent legal guardian. The XXXX XXXX she is in needs 6 months of bank statements to submit to XXXX. The bank is in Massachusetts and I'm in florida where the closest branch is 3 hours away. Customer service told me to send the branch, where my mother opened her account, the court papers and my photo ID, which I did. Every time I call the bank, they're short on staff, helping other customers, the branch manager is in a meeting, call back in 20 minutes, we'll call you back in an hour, the branch manager will call you back when she gets a chance, etc. I've been getting the run around for over a month while trying to get my mother established in a XXXX XXXX for XXXX XXXX XXXX in to of working over 40 hours per week and take care of my family in Florida XXXX Please help me get access to my mother 's account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 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: TN

Complaint narrative:
This is to provide additional information from undeniable documents. Please see file attached as Experian has responded that my request to block could not be honored without further information. THIS CLAIM IS TO PROVIDE SUPPORTING DOCUMENTATION!!! I have tried to provide said documents directly to Experian online but was unsuccessful.

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 2023-05-31 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: EQUIFAX, INC.
State: VA

Complaint narrative:
Equifax have been reporting my credit FICO score for other bureaux ( XXXX and XXXX ) very wrong for 4 ; months I called them several times as well as chatted with them online to correct it and they have never done, I called XXXX and XXXX to inform them they asked me to call Equifax to request correction, I did nothing happened.For example my Fico score for XXXX is XXXX but Equifax Report XXXX, For XXXX it's XXXX but Equifax Report XXXX .I have been asking Equifax for months to correct it and they won't.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: PA

Complaint narrative:
NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL To Whom It May Concern : I recently received a copy of my ( XXXX, XXXX or XXXX ) consumer report, and I noticed some late payments posted on my consumer report : NISSAN-INFINITI LT Your company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) a report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions between the consumer ( ME ) and the person ( YOU ) ( Put the Creditor Name here ) Making the report is not INCLUDED on my Consumer report! 
Late payment is a transactional history, My HISTORY with your company. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included in the consumer reports! 
YOU HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience on my consumer which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS. 

You have 10 calendar days to update my Payment history and or delete all late payments from the below account/s NISSAN-INFINITI LT XXXX XXXX ) Failure to respond satisfactorily with deletion of the above Late Payments, will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character Negligent Non Compliance Civil Liability Mental Anguish Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XX/XX/2023 I purchased an electronic skateboard using this credit card from XXXX. Approximately 60 days later I began hearing a loud clicking sound coming from the right rear drive wheel of the skateboard and started noticing the skateboard was needing more frequent charging even though the route that I rode my skateboard on was the same distance. 

On XX/XX/2023, I contacted XXXX XXXX XXXX ( XXXX ) for the steps I need to contact the seller as I couldn't locate the information through the XXXX app. XXXX instructed me on how to contact the seller through their messaging service and noted my issues on my account. 

According to the seller 's listing for the skateboard, it comes with a 180 day ( 6-month ) warranty. 

To date, I have not received any communication from the seller in regards to handling the defections of my purchase and its warranty. 

Per XXXX 's instructions, I waited 48 business hours for a response from the seller and then re-contacted XXXX for further assistance on XX/XX/2023. I was advised at that point that there really is nothing XXXX can do to remedy the issue but they may be able to accept a " late return ''. The caveat to the " late return '', however, is that I will be charged a fee in the amount of 20 % of the purchase price. 

XXXX also advised me to try to reach out to the manufacturer for potential help with the warranty. I attempted to contact the manufacturer 's cusomter service on XX/XX/2023, and ( as of this date ) have not received any communication from them on the matter either. 

On XX/XX/2023, I initiated a dispute with my American Express Business credit card that the purchase was made on. During the call I articulated the details as I have outlined above to the American Express Customer Service ( AECS ) agent. 

On XX/XX/2023, I received a message from American Express noting that they are rebilling my dispute as they had received information from the seller that I had not returned the product. 

I am extrememly frustrated receiving this information since I was very clear with the AECS representative that I had not returned the skateboard because, simply, I have not been able to communicate with the seller or manufacturer for any instructions on how to resolve it. Further, it is frustrating in regards to the seller that they did not respond to me but, once their payment was at risk, they promptly responded to my credit card issuer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: FourLeaf Federal Credit Union
State: NY

Complaint narrative:
I made a deposit at the ATM branch of Bethpage Federal, credit Union in XXXX, New York on XX/XX/2023. The ATM ate {$220.00} of my deposit and rejected {$55.00}. My grand total deposit was for {$1100.00}. I went into the branch deposited the {$55.00} that the machine rejected and told the teller about the {$220.00} the ATM ate. She ended up giving me a provisional credit. Then on XXXX XXXX XXXX  bethpage Federal credit Union reversed the provisional credit to my account. They completed an investigation where they denied my claim saying the ATM was balanced, and no discrepancy was found. The bank did not notify me that they denied my claim. I have never received a letter in the mail and I only found this out today XX/XX/ because I was depositing money into my childrens XXXX accounts associated with my savings account. The teller printed me out a piece of paper that was dated from XX/XX/ that I repeat I have never received in the mail. Their investigation is completely wrong. I know what I deposited. I know what the total was and I want them to pull up cameras from the ATM. Nobody will speak to me and I can not get anybody on the phone from the operations department at Bethpage Federal credit Union.

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 2023-05-31 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: TX

Complaint narrative:
HI 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 UND

ER 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 S
TATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

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 2023-05-31 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Scratch Services, Inc.
State: MD

Complaint narrative:
On XX/XX/2023 I contacted my loan servicing company, Scratch, about applying for forbearance. At the time, I was nearing the end of a work contract and knew I would not have employment/would not be able to pay back my loans while I got back on my feet and I wanted to be proactive. I received no response until XX/XX/XXXX, when I was told how to apply for forbearance. I completed my application and submitted supporting documents on XX/XX/2023 and was sent confirmation that my application was received. I received no updates on my application for a month, and on XX/XX/2023 I called Scratch 's customer service like for updates - I was put on hold indefinitely. I then sent an email to Scratch 's customer service describing the issue that still has not been responded to as of XX/XX/XXXX, though they say their emails are responded to within 2 business days. The next day, XX/XX/XXXX, I called back and discussed my problem with an agent who told me that my application had not even been reviewed. She assured me she would put it through for processing and would send me a confirmation email. I never got this email. Today, XX/XX/XXXX, I attempted to call Scratch once again to resolve my issue, as I still am unable to pay my loan for this month due to unemployment, and when I called I was told that there were no customer service representatives available to help me, and to leave my contact information in a voicemail so that someone can call me back. I am tired of this run-around process, and would hate for non-payment of my loan to be counted against my credit report simply because Scratch could not do its job as my loan servicer and work with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Receivables Management Partners, LLC
State: MI

Complaint narrative:
RMP LLC has contacted me numerous times, I have requested for them to send me the debt proof via mail and they have failed to, since then they have been harassing my children, my co-workers and my boss about this debt that is 7yrs old which I do not owe. I have paid all of these off. I have told them I don't conduct business over the phone and I am requesting the debt to be mailed to me and again they have not done that.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 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 did not give consent for Experian, XXXX, XXXX, XXXX and XXXX logic to report my credit information. Somehow they all have reported my credit all of my credit information without my written consent which is in violation of my consumer rights ( 15 USC1681 ).

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 2023-05-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
It is completely unjustified that I have consistently made timely payments for this account and have never been overdue.

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 2023-05-31 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: CITIBANK, N.A.
State: PA

Complaint narrative:
CitiCard on XX/XX/2023, reported to all three agencies that an account had a balance and was delinquent. That card was settled with a debt consolidation company a year ago. CitiCard just reported this false information this month. I have reached out to CitiCard, the three credit reporting companies and XXXX XXXX. CitiCard said the balance was XXXX and sent me a letter. The three credit reporting companies and XXXX XXXX said the information was correct and would not change it.

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 2023-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
Saturday XXXX XXXX, there was unauthorized transaction of {$83.00}. I did not make the transaction. I called Bank of America Tuesday XXXX XXXX at XXXX. A woman named XXXX from the South Carolina branch saw the transaction and said it has a reversal of its original transaction and youll be getting back your money on Wednesday XXXX. It was reversed but has not showed up on my account. Now its not showing on my account where the transaction was pending.Bank of America said since its not on my account anymore then they cant file a 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 explanation
Consumer complaint received 2023-05-31 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
There are two accounts and some inquiries on my report that after contacting the company and trying to get more information they were unable/refused to give me info to verify the account because whoever set up the account used information that I don't know outside of my personal information so they said i had to file a ftc report XXXX Not sure how its to protect me if I am telling them that I am me and i never set the accounts up. I have attached a copy of the Identity Theft report as well as copy of my ID. The car dealer ran my credit multiple times without my consent, see below : XXXX XXXX XXXX XXXX XXXX XXXX inquired on XX/XX/2022 ; XXXX XXXX ran my credit on XX/XX/2022 ; XXXX XXXX inquiry on XX/XX/2022 ; XXXX XXXX inquiry on XX/XX/2022 ; XXXX XXXX XXXX XXXX  inquiry on XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquiry on XX/XX/2022 ; XXXX XXXX XXXX inquiry on XX/XX/2022 XXXX XXXX XXXX XXXX XXXX inquiry on XX/XX/2022 ; XXXX inquiry on XX/XX/2022 The only thing that makes sense is someone at the lending company misused my info because I was preapproved when i purchased my home so I never gave my info to have them to check for financing. When I called the lender they confirmed they never tried to run my credit because I had a preapproval that covered the cost of the home. With that being said, inquiry law that applies here is 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) To credit reporting agency The inquiry was not authorized. Did not consent to unauthorized inquiry.

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 2023-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS
State: OH

Complaint narrative:
Attempting to get a copy of my credit file from LexisNexis, I submitted my request online, and they sent a letter to me with a URL and PIN that I could access. I entered the URL correctly, and when I attempted to access the report using the PIN, I received an error message stating the PIN was invalid, and listed a telephone number to contact. When I called the phone number, the VRU/automated system did not allow me to contact an agent, and non of the options offered would resolve the issue. This IS NOT acceptable to the least sophisticated consumer ; I'm a retired XXXX person from the XXXX XXXX XXXX and know this is NOT how it's supposed to work

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | DOB : [ XX/XX/XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX XXXX  ] Account Number : [ XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT WANTED REMOVED. XX/XX/XXXX ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ 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 2023-05-31 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
On XX/XX/2023 I applied and was approved for a Chase Wepay merchant account for my business to accept credit cards. 

I provided the with all the legitimate documents needed. I also ordered the credit card processing hardware. 

I used the service a several times by sending a link for my customers to pay XX/XX/XXXX for {$1500.00} ( Down payment for painting job ) XX/XX/XXXX for {$550.00} ( Garbage disposal installation ) XX/XX/XXXX {$3900.00} ( House painting project ) XX/XX/XXXX {$80.00} ( IT device installation ) XX/XX/XXXX {$2400.00} ( Bathroom remodel partial payment ) All of these transactions we complete via a link which allows my customers to pay through chase Wepay. 

After the transaction on {$2400.00} on XX/XX/XXXX I received an email on XX/XX/XXXX stating they closed my account " Because my account is susceptible to a high chargeback or dispute rate '' This account was opened for 90 days and all the transactions where legitimate transactions for the purpose of the business intended. Also all required documents when where provided prior to them approving the merchant account. 

Also I have not had any chargebacks or issues with this " new '' account. 

There was no reason for this account to be closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
Citibank arbitrarily and without justification locked my account and will not allow withdrawals or the ability to close my account. On XX/XX/XXXX they stated that they needed to mail me a security code and it would take 7 business days. Two weeks later it has not arrived to my address of record and they will not release my money or close my account. On numerous occasions by phone I have passed all their security checks and they will not tell my why my account is locked. Today, they said that they are mailing a new security code, but I have no confidence it will arrive. {$18000.00} is locked in their bank and I can not access my money for living expenses.

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