vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-22 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: WA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: PA

Complaint narrative:
XXXX sent my name to a collection agency for the amount of {$100.00} where in a do not owe XXXX this amount for any bill. My ex wife was the primary account holder for 4 lines and my number happens to be under this four ( 4 ) lines but I was not responsible for the bill. My ex wife was the account holder and that was her responsibility while a took over the cars insurances, internet and cable bills. When we got separated she closed the account with the balance owed on it. instead of XXXX billing her the amount she owes they sent me the bill and I rejected it then opens my own account with XXXX  in my own name with a different number. Even the lady that was processing my new account told me I was not responsible for the my ex- wife account because I did not initially opens the account. When I check my credit report I find out that XXXX  debt collection agency has placed that amount on my credit report and XXXX point was deducted from my credit scores. I have called XXXX on XX/XX/2022 @ XXXX to removed the item from my credit report and I also follow up on XX/XX/2022 @ XXXX. I also Called the XXXX debt collection agency and they said XXXX has to resolve the issue for it to be removed from my credit report. XXXXXXXX keep turning me around without any solution to the issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 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 1XXXX XXXX  XXXX acct XXXX XXXX* 2XXXX XXXX XXXX acct # XXXX* 3.XXXX XXXX acct # XXXX 4.XXXX  acct # XXXX have violated my rights. 

15 U.S.C 1681 602A. States i have the right to privacy.

15U.S.C 1681 section 604A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-22 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: TX

Complaint narrative:
A fair resolution would be the removal of all unauthorized inquiries. These fraudulent inquiries do not benefit nor were they authorized by me and according to 15 USC 1681 c-2 if I identified these inquiries as fraudulent you have to block and remove them. On several occasions I have sent this bureau a copy of my social security card, FTC report and Drivers license and they refuse to acknowledge that they are reporting several fraudulent inquiries that are defamation to my character. It is also fair to remove all of the derogatory accounts that this entity is unable to verify by furnishing the documents with my original signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Majority USA, LLC
State: CA

Complaint narrative:
On XX/XX/15 - I was unable to log into the Majority online app to access my account. I requested online support to resolve the login issue. I received the following message : " XXXX XXXX, The trust and security of our members and their accounts are of the utmost importance to us. For this reason, we routinely review accounts to ensure there is no potential risk. During a recent review, we discovered unusual activity on your account, which is why we have decided to close it. 

No further action is required from you at this time. 

Thank you, The MAJORITY team '' I replied 3 times with messages over phone and email asking for more information. I have not received any additional information. 

Additionally, Majority has not provided me any documents after my account was applied for and opened, or since its closure.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
: I have been receiving my survivor benefits through Citizens Bank since 2013 on the third Wednesday of every month. I received two separate payments on the same day for XXXX. As of XX/XX/XXXX I did not receive them. On that day I reached out to Citizens Bank CUSTOMERService and that is when I was told that Citizens Bank closed my account without letting me know so I couldn't make the proper attires to change over my information with the IRS to direct deposit to another account. When I was on the phone with Citizens Bank I was then told my account had been closed and my money was returned to the US Treasury. So I contacted SS and I then received a letter a week later saying that my money was deposited to my account and never sent back. So again I contact Citizens and had someone tell me that they don't have any record of the deposits. I finally found the recovery department number. Which I finally got somewhere with. That was 3 and 1/2 weeks ago. I just called again. They said that check processing still hasn't sent it. I am now livid. This affected my bills and how I live. It is my only income. Something needs to happen. That Bank has communication issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I got my annual credit report and noticed Home depot/Citi bank reported late payments to the bureau on my account, when I never had a late payment. I called their collections department at XXXX to inquire why this was the case. They told me that there was no record of a late payment. I then requested for them to remove the late payments information reported to the credit bureaus from my history but they refused, insinuating that they are unable to do that. But they were the ones who initially falsely reported late payments to the bureau.

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 2022-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: DISCOVER BANK
State: CT

Complaint narrative:
Discover checking account closed out several months ago, remaining funds in account not received, the amount of {$140.00}, at time of closing. The last four of account ends in 1960 to best of my knowledge. The attached letter shows funds in amount of {$690.00} deducted from account several weeks ago, sent to XXXX XXXX for a fraud claim check, XXXX XXXX has no record of any such payment or any payment for that matter. Discover rep ( s ) claim remaining funds, the amount of {$140.00} sent to XXXX XXXX in addition to amount of {$690.00}, neither payment received as stated prior, confirmed with several reps in XXXX XXXX executive office.. Further, XXXX XXXX does not accept partial payments such as the amount of {$140.00}, would have been rejected back to Discover, as stated by a XXXX XXXX with XXXX XXXX executive office.. I've explained this in prior CFPB complaints in re, nothing resolved to date..Discover has yet to send me remaining funds in amount of {$140.00} or amount of {$690.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
On XX/XX/XXXX, I opened an account online with Citibank. I completed the opening deposit during the process in the amount of XXXX from my Savings account at another institution. On XX/XX/XXXX, I received an email that my account is being closed. My opening deposit would be returned in 30-60 days by mail. I contacted the fraud department of Citibank and they informed me that there is a hold on my account and they have initiated account closing procedures and I would received the opening deposit back within 30-60 days. I asked them how can I get it back sooner, I was told I could visit a branch and they can call in and have the block removed and could refund my opening deposit. On XX/XX/XXXX, I met with a personal banker and she called the fraud dept. and they told her that my deposit would be refunded within 30-60 days by mail. I asked her to have them reconsider because I do not want a XXXX check to be mailed and I should not have to wait 30-60 days for my funds to be returned. I did not get anywhere with them. I am contacting the CFPB to file a complaint because I should not have to wait 30-60 days for my funds to be returned.

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 2022-04-22 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:
I am a victim of identity theft. XXXXXXXX XXXX XXXXXXXX XXXX have fraudulent late payments on my credit profile that need to be removed immediately.

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 2022-04-22 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: TX

Complaint narrative:
I am a victim of identity theft. XXXXXXXX XXXX XXXXXXXX XXXX have fraudulent late payments on my credit profile that need to be removed immediately.

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 2022-04-22 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: IL

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

XXXX XXXX XXXX  Account 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 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 2022-04-22 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP
State: IL

Complaint narrative:
This is one of many complaints I have submitted regarding USBank 's business practice toward consumers. I as a consumer am requesting this complaint be reviewed thoroughly as possible " DISCRIMINATION ''. From a previous complaint submitted to you when I was sent papers regarding a Refy for my current Loan and was told I could chose the Title Company along with the workout as to what my monthly payment would be. Well, when I spoke to Loan Officer did not provide me an explanation as to why the Refy was not going through. Well in following up on the Complaint that was submitted. I was provided a number to contact USBank to obtain the response they provided you. In reviewing the response to you, USBank did not tell the truth. I never asked for ''CASH OUT '' and not at any time did the Loan Officer give me an explanation as to why we could not forward on the refy. I have also tried reaching out to the Customer Advocacy Specialist, but as of today, have not been emailed back or received a call back. As a consumer I feel as a " XXXX '' I AM BEING MUTILATED

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 2022-04-22 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: OK

Complaint narrative:
A fair resolution would be the removal of all unauthorized inquiries. These fraudulent inquiries do not benefit nor were they authorized by me and according to 15 USC 1681 c-2 if I identified these inquiries as fraudulent you have to block and remove them. On several occasions I have sent this bureau a copy of my social security card, FTC report and Drivers license and they refuse to acknowledge that they are reporting several fraudulent inquiries that are defamation to my character. It is also fair to remove all of the derogatory accounts that this entity is unable to verify by furnishing the documents with my original signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
XX/XX/XXXX : There were two fraud ACH charges ( titled " ACH Payment Refund ) of $ XXXXeach for a total of {$6000.00}. This is completely unrelated to anything transactions or payments I have made and is 100 % fraud. 
XX/XX/XXXX : Called Bank of America and spoke to two different representatives before a fraud case can be opened. BOA promised someone will contact me within 7-10 business days. 
XX/XX/XXXX : Multiple legitimate charges on my credit card were declined and my account was put on hold. I had to call to remove the hold. 
XX/XX/XXXX : Multiple legitimate charges on my credit card were again declined and my account was again put on hold. I had to call to remove the hold but it was not possible because their system were done. 
XX/XX/XXXX : Made 3 calls to BOA to remove the hold on my account and they said I have to wait up to 45 days before the case can be investigated and money refund to my account.

{$6000.00} is a huge sum of money to be on my credit card balance for 45 days which will impact my credit usage and consequently credit score. Furthermore, the pending unresolved fraud case is causing my transactions to be flagged and my account to be put on hold which there is no other way to resolve other than having to spend time on the phone with them.

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 2022-04-22 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: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
XXXX and XXXX are and have been for over 4 years reporting inaccurate payment history of my 'Santander '' auto loan. Unfortunately, every time I tell them to delete the account per fair credit reporting law, each reporting agency UPDATES the information and the UPDATES are always still INACCURATE INFORMATION. XXXX has me making no payments on XX/XX/XXXX and XX/XX/XXXX and XXXX says I made on time paymentsXXXX and XX/XX/XXXX. When I called Santander today XX/XX/XXXX, Santander has no record of me making any payment since XXXX. Santander will not follow fair credit reporting rules either. There are other inaccuracies that I have disputed with Santander as well. This account should be deleted per fair reporting act as the history and payment is inaccurate. Santander Auto Finance, XXXX, and XXXX refuse to delete and to obey fair credit reporting laws. I have been calling and disputing them for over 4 years to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 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:
XXXX and Equifax are and have been for over 4 years reporting inaccurate payment history of my XXXX XXXX' auto loan. Unfortunately, every time I tell them to delete the account per fair credit reporting law, each reporting agency UPDATES the information and the UPDATES are always still INACCURATE INFORMATION. XXXX has me making no payments on XX/XX/XXXX and XX/XX/XXXX and Equifax says I made on time paymentsXXXX and XX/XX/XXXX. When I called XXXX today XX/XX/XXXX, XXXX has no record of me making any payment since XXXX. XXXX will not follow fair credit reporting rules either. There are other inaccuracies that I have disputed with XXXX as well. This account should be deleted per fair reporting act as the history and payment is inaccurate. XXXX XXXX XXXX, Equifax, and XXXX refuse to delete and to obey fair credit reporting laws. I have been calling and disputing them for over 4 years to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 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: AMERICAN HONDA FINANCE CORP
State: FL

Complaint narrative:
XXXX XXXX was done on XX/XX/2020 at the dealership. 

Recently I looked at a copy of my credit report and noticed an incorrect account. I feel that this account is adversely affecting my credit report and costing me thousands of dollars in interest every year. It is my understanding that you will investigate this item for me to ensure accuracy. 

Here is the item I am asking you to verify as reporting accurately : 1. AM HONDA FIN XXXX After your investigation is complete, please send me the results via mail. 

Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 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: NC

Complaint narrative:
Under 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 and the HIPPAPrivacy Rules ( Health Insurance Portability and Accountability Act section 45 CRF Parts 160,162, and 164. 
XXXX XXXX XXXX, ( Reported to XXXX ) XXXX XXXX XXXX XXXX ( Reported to XXXX & XXXX ) XXXX XXXX, ( Reported to XXXX & XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX ( Reported to XXXX ) XXXX XXXX XXXX XXXX these items have violated my rights.

In 15 U.S.C 1681, section 602 A. States that I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : A consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 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: NC

Complaint narrative:
Under 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 and the HIPPAPrivacy Rules ( Health Insurance Portability and Accountability Act section 45 CRF Parts 160,162, and 164. 
XXXX XXXX XXXX, ( Reported to XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Reported to XXXX & Experian ) XXXX XXXX, ( Reported to XXXX & Experian XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX Experian ) XXXX XXXX XXXX XXXX these items have violated my rights. 
In 15 U.S.C 1681, section 602 A. States that I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : A consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation