vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: VA

Complaint narrative:
On XX/XX/XXXX of this year, I signed up for a new checking account and a new savings account with Citizens Bank. The reason I signed up was because they were offering a {$600.00} new customer bonus. The conditions for this promotion were as follows : - To receive {$300.00} for the new checking account, I had to make XXXX direct deposit of $ XXXX within XXXX days of account opening ( which would be XX/XX/XXXX ). 
- To receive an additional {$300.00}, I had to open a new savings account on the same day as the checking account and make deposits that totaled {$500.00} each month for XXXX months after opening, and have a balance of {$1500.00} as of the end of XXXX. 

All conditions were met as they were originally written, save XXXX. My direct deposit of {$500.00} was made on XX/XX/XXXX, which was just after the 60 day window closed. I had been making deposits of {$250.00} bi-weekly, because I thought that the cumulative deposit was what mattered. When I noticed that it said a single deposit of {$500.00} instead of deposits totaling {$500.00}, I called the marketing and promotions people at Citizens bank on XXXX to inquire about how this would impact things. I spoke to XXXX from XXXX and he confirmed that Citizens was happy to grant a XXXX day extension to the XXXX day window ( where XXXX days was the longest extension they could permit ). This extended the deadline to XX/XX/XXXX for this deposit. At XXXX 's direction, I updated my direct deposit ( the next of which would get made on XX/XX/XXXX, which was within the new XX/XX/XXXX deadline ) so that a {$500.00} deposit would be made to my checking account. As a result of that phone call, I expected that I was on track to meet all requirements to earn this bonus. 

However, as of today ( XXXX ), the bonus for the new savings account is the only one I have received- the bonus for opening a new checking account has not been paid. I called the promotions and marketing folks today and was informed the payment for a new checking account was not made because my {$500.00} direct deposit had not been received within the XXXX day window. When I mentioned speaking with XXXX on XXXX about an exception, they acknowledged the phone call and that I had correctly identified the rep I had spoken with. However, they claimed that he could not have granted me an exception because " they don't do that ''. I asked to speak to a supervisor, and received the same information, only less politely because the supervisor I spoke to ( XXXX XXXX got frustrated and rudely ushered me off the phone.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

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 2024-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ). Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error. 

A FAIR RESOLUTION TO THIS TRAGIC INCIDENT WOULD BE FOR THE CREDIT REPORTING AGENCIES TO UPDATE THESE LATEPAYMENT ACCOUNTS FROM MY CONSUMER REPORT IMMEDIATELY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
These inquiries have no permissible purpose to be on my report. Account : XXXX XXXX XXXX : Inquiry date : XX/XX/XXXX, Account : XXXX XXXX XXXX : Inquiry date XX/XX/XXXX, Account : XXXX XXXX, XXXX : Inquiry date XX/XX/XXXX, Account : XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-03 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: NJ

Complaint narrative:
the credit bureau was made aware of the fraudulent accounts being reported and havent removed them, contacted me back, or provided the information used in the investigations

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 2024-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I received a notice from Bank of America XXXX XX/XX/year> afternoon that my checking accounts are closed. I called the BOA agent and went to a local branch as well, the answer they gave me was that the closure was due to the business reason of the 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 non-monetary relief
Consumer complaint received 2024-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. Please see attached file for these items I am complaining.

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 2024-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. Please see attached file for these items I am complaining.

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 2024-06-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I applied with full faith and credit and clean hands on XXXX XXXX for a visa Platinum Credit card ref : XXXX after giving valuable consideration, A fair exchange was not executed on behalf of AMERICAN EXPRESS CO XXXX AXP ) ( CIK XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX I pursued several attempts to remedy the situation including the retraction of my original application which was denied by XXXX XXXX XXXX and American Express my request went completely ignored any correspondence sent out to their investor relations department and chairman after a notice to cure was received by their office. The fraud being committed against my credit card ( 15 USC 1602 ( I ) and security interest is a direct violation of the securities exchange act and the indenture trustee act American Express agreed to.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I obtained my credit reports and found fraudulent hard inquiries on them and I need them 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 2024-06-03 00:00:00
Product: Credit reporting 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: NJ

Complaint narrative:
I obtained my credit reports and found fraudulent hard inquiries on them and I need them removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 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: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
I have recently found a collection account on my consumer credit reports ( XXXX, XXXX, and XXXX ) from Midland Credit Management ( MCM ). This account is unknown to me as I have no contract with MCM. Somehow, MCM has gotten a hold of my non-public private information and is causing me harm by significantly reducing my credit score. Furthermore, MCM does not have my consent to disclose my information and I am informing them that I opt out of them sharing my information. MCM has also violated the Privacy Act of 1974. 

Per the Fair Credit Reporting Act, as a federally protected consumer, I am now opting-out of any and all authorization I may have given you in any form whatsoever to share my private non-public information and it is my right to do so at any time per 16CFR313.7 ( f ).

16 CFR 313.7 - Form of opt out notice to consumers ; opt out methods.

( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time.

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this sub-chapter, a financial institution may not, directly or through any affiliate, disclose to a non-affiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a non- affiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

16 CFR 313.7 - Form of opt out notice to consumers ; opt out methods. 

( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital one bank sent in a XXXX day delinquency on my closed acct. Never was notified that there was a balance & was still pending? This was billed to my credit acct. From XXXX to Capital one which I never authorized. I closed acct. because I caught this error last year that there were charges I never signed up for, then I spoke to an agent with Capital one and was informed that it was being removed and closed in XXXX of XXXX ' yet this happens? Capital one will send in cleated or paid off, but fact bureaus will see it as a debt paid but still mark is on record for something I had no part of? Furthermore, my exceptional score is damaged to good from a XXXX to XXXX? Not acceptable " I have been never late '' thru over XXXX plus years & they do this to me? I am livid '' Need to be revised I should not have to carry this for 7 years '' (? If you check my acct. You will see closed XXXX balance then next month a XXXX $ balance how's that possible on a closed acct.?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
the credit bureau was made aware of the fraudulent accounts being reported and havent removed them, contacted me back, or provided the information used in the investigations

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 2024-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
Action taken by company was a report of fraud. This was done by me in store at XXXX and the claim was resolved. This was a soft inquiry with a phone taken out in my name. My last name was spelled wrong on the account XX/XX/year> - XXXX XXXX - XXXX XX/XX/year> - XXXX - XXXX  Inquiry XX/XX/year> - XXXX XXXX XXXX XXXX ID Report no action has been taken yet, I did not authorize this card, this was just a soft inquiry XXXX XXXX, XXXX XXXX XXXX this is another soft inquiry I did not authorize XX/XX/year> CITIBANK, XXXX XXXX This is a hard inquiry on XXXX that XXXX did not authorize XX/XX/year> THD/CBNA THD/CBNA, XXXX COURT SQUARE, LONG ISLAND CITY, NY XXXX This is a hard inquiry on XXXX that I did not authorize XXXX XXXX, XXXX  CITIBANK NA, XXXX CITIBANK NA XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX, NY XXXX These are soft inquiries I did not authorize. I called rent-a-center and they confirmed someone tried to access this in my name. They put this email address : XXXX and this phone number : XXXX XXXX XXXX Inquired on XX/XX/year> XXXX XXXX Inquired on XX/XX/year>XXXX XXXX Inquired on XX/XX/year>XXXX XXXX Inquired on XX/XX/year> XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/year>

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 2024-06-03 00:00:00
Product: Credit reporting 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: CA

Complaint narrative:
Ive noticed collection accounts on my Experian Credit Report that are unrecognizable. 

XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX : XX/XX/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 2024-06-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Data and Contact Management Solutions, LLC
State: AZ

Complaint narrative:
XX/XX/year>, a vague letter was received from XXXX. No information was provided as to why XXXX needed to be contacted. When calling XXXX ( using my mothers number ), information as to what the call was about was denied by XXXX. XXXX required my personal information with no reasoning as to why especially since this was supposedly about my deceased mother. I had to research who XXXX was because they would not provide that information either. 

XX/XX/year>, XXXX called my personal number ( which was never given ) and made several calls to my mothers number who passed away. I requested XXXX to not call again since they would not provide any information as to why. 

XX/XX/year>, XXXX choose to ignore my request in XXXX and call my mothers phone again. 

I contacted the XXXX shortly after and XXXX XXXX from XXXX wrote back and denied harassment and wrote a letter full of gaslighting. No apologies, nothing. This company uses software to find and harass families in regards to the deceased estates. My mother was extremely diligent on paying off any debts straightaway, as am I. 

Shortly after contacting the XXXX XXXXXXXX took down their XXXX reviews. There are websites telling people how to work around XXXX. I would be ashamed to work for a company like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
Ok first I was wrongfully fired from the US postal service, the Alabama IRS has been illegally paying debts to the postal service and other credit card companies via tax refunds and stimulus. Now bank of America is sueing me in an improper junction in the wrong county. Since the state the debt was accrued was in Florida prior to XXXX They are supposed to sue me in the county I work or reside. They have sued me four times now, three times they failed to appear in court. In Indiana they aren't allowed to sue on a debt passed six years and have failed to prove the debt existed, I feel they picked a junction that may possibly award junction. Also they did a substitution to manipulate their failures to prove the debt. I'm also confused why I'm summoned to court three prior times and the judge in XXXX Indiana doesn't bother to even address me as a human being since they failed to appear. Seems like abusive oppression if you ask me and a an abuse of power by a judicial system sworn to protect 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 2024-06-03 00:00:00
Product: Credit reporting 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
It seems that FCRA 605B mandates the removal of any erroneous accounts from my credit report. Could you please verify the documents? There are inaccuracies in the listed accounts, including incorrect amounts and dates.

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 2024-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
I observed my credit report and identified inaccurate accounts that require reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief