vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: CITIZENS FINANCIAL GROUP, INC.
State: IL

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX paperwork was faxed to Citizens Bank. 

On XX/XX/XXXX, the mortgage owner called Citizens Bank and they were unavailable due to the XXXX holiday. 

On XX/XX/XXXX, the mortgage owner called Citizens Bank to ensure XXXX  XXXX XXXX paperwork was received and completed. Citizens Bank stated that it had received all XXXX XXXX paperwork. 

On XX/XX/XXXX, the mortgage assumption purchasers called Citizens Bank to inquire about XXXX XXXX paperwork was received and processed. Citizens Bank stated that they had not received loan assumption paperwork. 

On XX/XX/XXXX, the mortgage owner 's realtor called Citizens Bank to inquire about the XXXX XXXX paperwork. Citizens Bank stated that they had not received loan assumption paperwork. 

On XX/XX/XXXX, the mortgage owner called Citizens Bank to inquire about XXXX XXXX paperwork. Citizens Bank stated it had been received on XX/XX/XXXX via fax, and would. provide no other information including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for XXXX XXXX division. Citizens Bank would only provide fax number and XXXX  address.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I was gifted an American Express gift card as a present for XXXX from family. Attempting to utilize the gift card, it has been declined by multiple websites and even though the purchase amounts are less than the available balance. Upon contacting American Express to try and resolve the issue, no explanation for why the card isn't accepted has been provided and I was also told that the card is locked and I can not use the card until at least one week from today, effectively making the gift useless. This feels like a scam on their part since the card can't be used initially at reputable ecommerce websites like XXXX, XXXX or XXXX and is now Locked from further use for at least the next 7 days.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-28 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Westlake Services, LLC
State: LA

Complaint narrative:
Westlake Portfolio Management has called me at least 3 times a day, 7 days a week. This is disruptive to my day-to-day. My phone is constantly ringing and its harassment at this point. The times I have picked up the calls, I have been hung up on which is a complete waste of my time. When I do connected to a caller, they are very disrespectful- talking over me, telling me not to tell them how to do their job when I state my rights to not be harassed. The caller has admitted to using robocalls as well when I said that I get hung up on.

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 2023-12-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC
State: SC

Complaint narrative:
I contacted the company and let them Im the registered owner of the certificated security and the amounts due is owed to me and that I dont allow them to collect anything on my behalf and they need to send the information back to XXXX XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
My information was sold/bought illegally because I was a victim of the Equifax Breach of 2007 and my credit file continues to suffer from this breach. Equifax has admitted that I was in fact a victim of this data breach ( see attached proof ) and Equifax has done nothing or made it impossible to obtain a remedy when fraudulent activity has occurred in my credit files. I've been disputing inquiries that I never made ( written dispute : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - plus various other disputes related to inquiries that were filed online ) to Equifax and require your assistance in removing these illegal inquiries from my credit reports. Each time I have disputed this information, Equifax has failed to provide proof of the permissible purpose authorization and fails to investigate the dispute. Equifax simply sends me back a pre-formulated response about the inquiry being a factual record. THEY HAVE NOT VALIDATED/VERIFIED THE DISPUTE. I've also communicated directly with each creditor and they have indicated they have nothing showing I authorized these inquiries. The inquiries are as follows : Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I have no knowledge of this hard  inquiry, please delete it. 

Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I have no knowledge of this XXXX  inquiry, please delete it. 

Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I have no knowledge of this hard inquiry, please delete it.

Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I have no knowledge of this hard inquiry, please delete it. 

Creditor Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I have no knowledge of this hard inquiry, please delete it. 

Creditor Name : XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Reason : I have no knowledge of this hard inquiry, please delete it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I recently reviewed a copy of my credit report, and I was surprised to learn I am a victim of identity theft. I've found multiple accounts on my report and they were not authorized by me. This is hurting me because I am in the process of buying a home for my family. Please remove it from my credit report as soon as possible.

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 2023-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681, section 602, which states I have the right to privacy 15 USC 1681, section 604A, section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B, a creditor may not treat a payment on a credit card account under an open and consumer credit as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 00:00:00
Product: Credit reporting 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: FL

Complaint narrative:
Contacted company a little over XXXX XXXX ago to opt-out of sharing XXXX  personal information/data to XXXX  parties ( XXXX, XXXX, Transunion ) XXXX XXXX  consumer report still has not been updated and its been past XXXX  days. They are in violation of the XXXX Law XXXX XXXX Privacy of XXXX XXXX XXXX. I would like the specific account removed from XXXX  XXXX  exercising XXXX  rights pursuant to XXXX XXXX. XXXX Obligations with respect to disclosures of personal information and XXXX XXXX. XXXX Opt-Out enforcement which all coincides with the United States XXXX XXXX XXXX Privacy Act of XXXX  establishing a Code of Fair Information Practice.

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 2023-12-28 00:00:00
Product: Credit reporting 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:
Contacted company a little over XXXX XXXX ago to opt-out of sharing XXXX  personal information/data to XXXX  parties ( Experian, XXXX, XXXX ) XXXX XXXX  consumer report still has not been updated and its been past XXXX  days. They are in violation of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I would like the specific account removed from XXXX XXXX exercising XXXX XXXX pursuant to XXXX XXXX. XXXX Obligations with respect to disclosures of personal information and XXXX XXXX. XXXX Opt-Out enforcement which all coincides with the United States XXXX XXXX XXXX Privacy Act of XXXX  establishing a Code of Fair Information Practice.

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 2023-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have been submitting various requests to Transunion, XXXX and XXXX to have my payment history updated to reflect accuracy. Each agency is reporting different info for months XXXX and XX/XX/2023. They are illegally reporting inaccuracies on my profile. Furthermore this data should be excluded from my consumer report or reflect applicable to me. I have advised the credit agency of the errors and of my rights that are not being obeyed. Transunion sent a letter saying info verified but provided no proof of verification as I requested.

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 2023-12-28 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC
State: IN

Complaint narrative:
I believe this is fraudulent and identity theft. I never received funds from this company and I know it was not something Ive authorized. I believe it is fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I got pre approved for a capital one credit card I didn't apply for

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Hey my  name is XXXX XXXX XXXXXXXX I have recently discovered unauthorized fraudulent OPEN AND CLOSED ACCOUNTS and INQUIRIES on my  XXXX, Transunion 's And XXXX XXXX  report To whom it may concern : I am officially asking you to review your data on file for me! Per the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U.S.C. 1681 I ), I challenge all inaccuracies and deficiencies of reporting. Per the FCRA compliance standards, my profile shall be accurate and complete. Your verification of the information shall be timely, and you should be able to document and provide proof of your verification process of all the information within my credit report. The information in my credit report and below was never proven factual or compliantly reported. I have consumer rights, and I am deciding to exercise those rights to demand that factually accurate, verified, and compliant data be documented and included on my credit report. I also require the permanent removal of any inaccuracies immediately! I also demand that you investigate the source of each account and ensure that each creditor has a permissible purpose for all inquiries within my credit profile.

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 2023-12-28 00:00:00
Product: Credit reporting 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681, section 602, which states I have the right to privacy 15 USC 1681, section 604A, section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B, a creditor may not treat a payment on a credit card account under an open and consumer credit as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I open my business account with BMO bank, and I deposited a business check back to XX/XX/XXXX and they freeze my account from XX/XX/XXXX and that ruin my business I cant pay my suppliers. I cant access to my money

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: MIDFIRST BANK
State: WI

Complaint narrative:
XXXX attempted to open a money market account with VioBank but each time the application was rejected. Vio Bank representative claimed they followed the consumer information given them by XXXX. We contacted XXXX and obtained their report which had no adverse information other than my attempt to open an account with Vio Bank. We provided that information to Vio bank and asked them why they decline her deposit account. They declined to provide any  information for the adverse decision and again claimed it was the non-existent information from XXXX. I have paid off my mortgage and pay my credit cards on time. The only reason left for denying me must be my age of XXXX  years.

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 2023-12-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: NC

Complaint narrative:
The Company is Coinbase. About a year ana half ago I opened a Coinbase acct. I transferred through time {$500.00} into this acct. Our computers and phones were hacked and the FBI told us to get a new computer and new phones. We did this and contacted Coinbase to update our information. It has been XXXX weeks with me  contacting Coinbase numerous times. Finally, they responded telling me I could not change the phone number and email address on my account. I should open a new account and balances would be transferred to the new acct. I did that and notified them of my new acct. They never responded and after a couple of weeks I went onto the Coinbase Website and both of the accts had disappeared along with my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I received a collection from a collection agency named TRANSWORLD SYSTEMS INC. They are asserting that I owe them {$310.00} for a debt with XXXX XXXX. I do not owe XXXX XXXX nor Transworld any money. Now this has severely affected my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 00:00:00
Product: Credit 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I overpaid my credit card by {$130.00}. Bank of America ( BoA ) issued me a refund check of {$130.00} on XXXX XXXX XXXX to bring my account balance to XXXX. BoA then closed this account when it sold this credit card entity to XXXXXXXX XXXX 
Unfortunately, the refund check was not delivered to me until XXXX XXXX  due to postal delay. As the check was only valid for 120 days, I was not able to deposit this check. 

BoA refused to issue me a new check as it said the account had been closed at BoA, they are not able to issue a replacement check on a closed account. The facts are : this dated check was issued by BoA and the account balance was XXXX when the account was transferred to XXXX. BoA alone is financially liable to me. However, BoA tried to evade its financial responsibility by repeatedly asking me to get compensation from XXXX. BoA reasons that my old account is closed at BoA, they have no more responsibility to me. But this check was issued by BoA before my account was closed by BoA.

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 2023-12-28 00:00:00
Product: Credit reporting 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: NY

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 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 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 2023-12-28 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SANTANDER HOLDINGS USA, INC.
State: MD

Complaint narrative:
I am writing to express my serious concern and dissatisfaction regarding the mishandling of my personal information, leading to a negative impact on my credit score. I have recently obtained my credit report from your bureau, and upon careful review, I have identified several inaccuracies and instances of unauthorized use of my information. In accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C 1681, I am entitled to accurate and fair reporting of my credit information. It has come to my attention that the following issues have occurred : Unauthorized Inquiry : I have identified an unauthorized inquiry on my credit report, which appears to have been made without my knowledge or consent. This unauthorized inquiry has contributed to the decline in my credit score. Incorrect Account Information : There are inaccuracies in the account information reported, including : 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 These inaccuracies have unfairly impacted my creditworthiness. 

Identity Theft Concerns : The discrepancies in my credit report raise serious concerns about potential identity theft or fraud. I request a thorough investigation into these discrepancies to ensure that my personal information is not being misused by any unauthorized parties. 

I am attaching copies of relevant documents that support my claims, including proof of the unauthorized inquiry and any evidence that substantiates the inaccuracies in my credit report. I kindly request that you promptly initiate an investigation into these matters, in accordance with the FCRA. 

Under 15 U.S.C 1681i ( a ) ( 1 ), I request that you investigate the disputed information within 30 days of receiving this letter and, if necessary, correct or delete any inaccurate or incomplete information. Additionally, I request that you provide me with a written report of the results of the investigation.

I trust that you will handle this matter with the urgency and seriousness it deserves. Failing to rectify these issues promptly may compel me to take further legal action to protect my rights under the FCRA. 

Please acknowledge receipt of this letter and inform me of the actions taken to address these concerns. I can be reached at XXXX or XXXX. 

Thank you for your immediate attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I have communicated with XXXX regarding the bankruptcy that is currently reporting on my credit report and they have provided confirmation of this bankruptcy case : ( XXXX ), is not listed in their system with my profile. Experian have sent me documents saying they have received confirmation XXXX. This is a lie. Attached you will find the correspondence from the Bankruptcy court house and XXXX XXXX regarding this matter. Please remove these items that do not belong to me from my credit report. Attached you will also find my ID, and Proof of Address with my most recent bill.

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