vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: TN

Complaint narrative:
1. Signed up, opened the business checking account as a sole proprietor and enrolled in mobile banking, with the promotional offer XXXX, which offered {$500.00} bonus for those depositing new funds of {$3000.00} to the account. 
2. On XX/XX/2023, it was opened successfully with a funding deposit of {$100.00}. Thereafter, depositing {$3000.00} on the account on XX/XX/2023. 
3. Left money for over 60 days on the account to meet stipulations. Withdrew the money on XX/XX/2023. 
4. Called 30 days post all requirements ( including code being entered correctly while opening the account ) being completed since my offer still was not credited.

5. Representatives XXXX and XXXX have both verified that the offer requirements were fulfilled ( not sure when the phone conversations took place ) and one of them escalated this to the promotional offer department. They should also have notes on the account, as between XXXX, I have called four times to get to the bottom of this situation. 
6. As of XX/XX/2023, nobody from the promotional department or from US bank has called me or shown accountability for this error and inconvenience.

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 2023-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CITIZENS FINANCIAL GROUP, INC.
State: KY

Complaint narrative:
Received emails from Citizens Bank on XX/XX/2023 about a new Checking and Savings account opened in my name. I have never had an account with this bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Adjustment Service, Inc.
State: KS

Complaint narrative:
After the XXXX and XXXX merge XXXX I was sent to collections for an outstanding debt of {$300.00} for phones I had already paid for and switched to another carrier. I called XXXX XXXX XXXX XX/XX/2023, and they confirmed that I had paid the XXXX  months of fees on the phones before I switched services. When I contacted XXXX customer support they forwarded me to the debt collections agency. It seems that because of this merge they changed the rules about how phones are paid off. I can no longer get access to my XXXX account to document that the phones were paid off or get a copy of my contract.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I received a notification from experience a new card was opened from Best Buy. I never applied or opened any account with Best buy. This card was fraudulently opened in my name. Because I didnt open the card, I never made any transactions using the card. When I contacted Best Buy they wouldnt provide me any information as to when the card was opened or where or where it was sent. They said there would be an investigation However I have not heard anything from them. 

After filing a dispute on XXXX I learned Best Buy stated the account is accurate and the dispute was closed. 

Again I never opened this account this is fraud and identity theft please help.

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 2023-06-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
THE FILES HAVE BEEN SENT TO CHASE. 
THEY INCLUDE THE STATEMENTS FROM THE TIDES WHERE I RESIDE. 
ALONG WITH THEM ARE THE STATEMENTS FROM CHASE REFLECTING THE INTEREST CHARGES. 
I CONTACTED THE BANK EARLY IN THE YEAR AS I HAD LOST MY JOB AT XXXX XXXX 
THE PRINCIPAL AND HER ASSISTANT WERE FIRED THIS SPRING. 
I WAS IN ARREARS AS A RESULT OF NOT RECEIVING MY TAX REFUND FROM THE IRS. 
THE BANK HAS ALL OF THE INFORMATION IN THE FILE XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 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: MS

Complaint narrative:
You are in Direct Violation of The Fair Credit Reporting Act ( XXXXXXXX XXXX # XXXX ), has violated several of my rights.

15 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy.

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

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

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 2023-06-02 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Frost-Arnett Company
State: GA

Complaint narrative:
Frost-Arnett Company Reference XXXX XXXX XXXX XXXX Frost-Arnett a debt collection agency claims they are attempting to collect a debt owed to XXXX XXXX XXXX  ; before the payment the account was in default. Frost-Arnett 's information for the amount is inaccurate. There is not Account number.

Documents attached - Copy of Frost-Arnett Copy of XXXX XXXX XXXX Billing Statment Copy of Dispute Letter

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
On XX/XX/2023, I received a payment on Venmo for a device I sold, totaling exactly {$51.00}. Upon attempting to transfer this from my digital wallet to my bank account, I was informed that my account was frozen. I did not receive any email communication as to why or informing me about the account issue at all. I communicated with Venmo 's online chat system that day and was told to wait between XXXX business days before there would be an updated. 

I chatted in on XX/XX/2023 again and was told that there was nothing I could do. They claimed that they would send an email when I could obtain the balance, but they did not answer why my account was frozen in the first place. When I pointed out that I was not receiving their email communications despite the fact I had confirmed it was the correct email and I had checked all my filters, they told me there was nothing they could do. They also said that I would not be able to withdraw the funds for at least XXXX  days. They could not give me an explanation why or offer any solutions. 

This is unacceptable as something akin to a bank, holding on to money and not letting a user access money for up to 6 months. This seems like a free loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 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: EQUIFAX, INC.
State: NV

Complaint narrative:
On XX/XX/ a new hard inquiry appeared on my credit report. I have not authorized or attempted to open a credit card with XXXX XXXX XXXX XXXX. I attempted to call XXXX XXXX XXXXXXXX XXXX to inquire about the hard inquiry and they informed me that they were unable to give me any information as they did not have any records with my social security number. 
They then requested that I send a letter stating my concern to : XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, VA XXXX Along with a report with CFPB I then got ahold of Equifax with my concern of an incorrect hard inquiry that was completed without my authorization. They informed me that any concerns would also have to be mailed out to : Equifax info services XXXX XXXX XXXX XXXX XXXX Georgia XXXX Along with a report with CFPB Therefore it appears that everyone is directing me to CFPB. I am unsure of how anyone would've had my information or how I can get it removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : SANTANDER CONSUMER USA 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 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 consume r reporting agency if the person knows or has reasonable cause to believe that the information is inaccurateThe account was paid in full. I don't owe them any money. I paid them there {$170.00} on time. It was never supposed to be listed as a repo. Now this is ruining my chances of getting a new car.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am writing to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding the failure of XXXX, TransUnion, and XXXX to provide a timely response to my credit report disputes. On XX/XX/2023, I sent certified letters to each company disputing several inaccuracies on my credit report. The letters were delivered on XX/XX/2023, with the respective tracking numbers : XXXX ( Tracking Number : XXXX ), TransUnion ( Tracking Number : XXXX ), and XXXX ( Tracking Number : XXXX ). However, it has now been over 30 days, and I have yet to receive a completed report on any of my disputes. I request the CFPB 's immediate assistance in resolving this matter promptly.

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 2023-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding the failure of XXXX, XXXX, and Experian to provide a timely response to my credit report disputes. On XX/XX/2023, I sent certified letters to each company disputing several inaccuracies on my credit report. The letters were delivered on XX/XX/2023, with the respective tracking numbers : XXXX ( Tracking Number : XXXX ), XXXX ( Tracking Number : XXXX ), and Experian ( Tracking Number : XXXX ). However, it has now been over 30 days, and I have yet to receive a completed report on any of my disputes. I request the CFPB 's immediate assistance in resolving this matter promptly.

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 2023-06-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: NJ

Complaint narrative:
On XX/XX/XXXX I noticed an unauthorized activity on my Discover credit card I reported it- someone in Florida paid my card for {$1300.00} and withdrew $ XXXX Discover closed that account and is in the process of getting a new account and card within 6-9 days. I am on XXXX as I am a 1st responder XXXX. The problem is on XX/XX/23 Discover made an unauthorized withdrawal from my personal account for {$1300.00}. Causing me hardship as I live pay check to paycheck as I am XXXX. I brought it to the attention of Discover and my XXXX account. How is Discover able to withdraw that {$1300.00} from my account without my authorization. Causing me hardship. XXXX has been fantastic in helping to resolve this, I need to file a complaint against Discover, because they withdrew the funds that I was not liable for and without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I have a case. At any point in time, I can file a class action lawsuit against XXXX XXXX. The representative misled the consumer ( which is me ) into ordering XXXX phone thinking the XXXX affordable connectivity program would cover {$20.00} discount on the phone plan service for $ 30 monthly. I was repeatedly overcharged for a phone and service that did not work out. I paid {$1100.00} in overage charges. I would like that money credited back onto my credit cards. Amounts {$390.00} for billing cycle XXXX, XXXX, XXXX {$340.00} for device payment Of, which I already paid via XXXX XXXX {$370.00} for the device My XXXX XXXX credit card on XXXX and XXXX XXXX credit card to pay for the device in full expectedly monthly plan payment that did not happen. There is already case open with Consumer Protection Bureau. I have no escalated it to the Federal Trade Commission or the XXXX of XXXX mayors office. I want my money credit back on to my account now. Submitted Evidence : Proof of requested cancellation of service XX/XX/XXXX via email and response from XXXX XXXX you will hear from us soon. I have not heard back, but given their response to XXXX XXXX, I heard loudly.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
USAA claims to have not received my debt validation letter, yet I have a certified mail slip XXXX XXXX XXXX XXXX XXXX XXXX that was signed for by USAA on Mon, XXXX XXXX, XXXX XXXX, which indicates this as untrue and they are continuing to practice slight of hand. USAA has since harassed me by phone despite my very clear terms of only communicating with me via a commercial affidavit, and specifically stated to NOT harass me by phone. USAA has not answered my requests POINT FOR POINT of the following. I quote specifically from the VOD sent directly to USAA at XXXX XXXX XXXX. XXXX XXXX TX XXXX. 

" * The amount you claim the Respondent owes you * An explanation showing how you have computed the amount. 
* Copies of any documents that prove I agreed to pay the alleged amount * The identity of the original creditor * The original lawful contract I would also like to request, in writing, that no calls should be made by your agency to my phone line. If your agency attempts to make unlimited or computer generated calls to me or any third parties, then it will be considered harassment, and I will have no option but to file a lawsuit. All future communications with me should be done in writing and sent to the address mentioned in this letter. Further, any correspondence must be made in the form of a commercial affidavit under penalty of perjury and sent by certified mail. Any other form of service shall be deemed defective upon its face. '' USAA chooses to remain in dishonor in this matter. Once again, I request to be answered point for point via my VOD. USAA has failed to respond to me via a commercial affidavit within the 10 day period allotted, which places them in dishonor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 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: CA

Complaint narrative:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

Account Name : XXXX XXXX XXXX XXXX Account Number:XXXXXXXX  Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX  Account Number XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account XXXX Account Name XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX XX/XX/XXXX - Unauthorized Inquiry XXXX XX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XXXX XXXX  - Unauthorized Inquiry XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX - Unauthorized Inquiry XXXX XXXX  XX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XXXX XX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - Unauthorized Inquiry XXXX XXXXXXXX XX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX Unauthorized Inquiry According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-02 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: MS

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items 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 2023-06-02 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: NCB Management Services Inc.
State: GA

Complaint narrative:
NCB management has sent me a letter stating my information has been compromised and leaked, my social security number and other information has been hacked, I am a victim of identity theft and my information is being used to open accounts, I want this resolved NCB management has now put me in a strain for leaking my information, I will except XXXX to cover for damages or I will turn this over to an attorney to settle this issue, im already talking with an attorney, but if NCB management wants to settle with me it will be XXXX plus taxes, I will file a ftc identity theft report, to report this serious issue, I have been experiencing excessive amounts of fraud from this, now since i know where my information has been compromised, now settle this matter or will sue for a lot more than XXXX plus taxes which 33 % thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 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: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
On XX/XX/XXXX, a fraudulent inquiry was made for a credit account at Chase Bank. I have called Chase repeatedly to let them know this application was fraudulent and asked for the inquiry to be removed from my credit reports. Each time I have called I have been told it will take up to 90 days for the inquiry to be removed. My first call was on XX/XX/XXXX. That is almost 5 months ago. The inquiry is still on my credit reports. 

Please contact Chase Bank and ask them to remove this inquiry from my credit reports. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Tower Loan of Mississippi, Inc.
State: LA

Complaint narrative:
The last response did not fix my problem if you would have read the message or looked at the pictures that I attached you would have seen that in your portal where I make my payments it is showing no active account I need that fixed because that is how I make my payments. That needs to be fixed to avoid you taking me to court because I cant make any payments or verify that they were applied to my accounts.

Company response to consumer: Closed with explanation