vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-30 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: 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. 

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 inructions 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 2023-09-30 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: IN

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. I told the XXXX, Transunion, and XXXX to reinvestigate this account : XXXX XXXX XXXX [ XXXX  XXXX XXXX ] account number : XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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.SXXXXC. 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. Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.

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 2023-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
Since I opened up a new account with Citibank barely two months ago, my account is blocked. I lost count how many times I've called Citibank with my concern either the agents are very rude, say they can't help me than say I'm disconnecting the call, or take through interrogation like I'm the guilty one for opening the bank account. My bank account has been blocked now for over a week, I feel like I'm being taking around in circle with no one even trying to resolve it. I filed with XXXX, because this is getting way out of hand, I can't even add the money that's in the account to pay my rent. Every agent I have spoken with keeps asking me did I receive a call or voicemail with a code, I said no. That's when the agent said there's nothing they can do to help me, I'll have to wait for the verification letter to come in the mail with the code what sense does that make. I even called my cell phone provider to give me a new phone, obviously the number associated with my account is the big problem. I end up contacting Citibank Ethic Department spoke with XXXX who picked up the case from XXXX told me the program is old school and the company are stuck in the old days. She told me to give her 15 days, she needs to pull & listen to all the calls, which is tome consuming, I didn't understand why she couldn't unblock or transfer me over to someone who could do it. I'm so XXXX off, I've seen on the website going far back as 2-3 years with the same thing that I'm going through in XXXX. I end up calling my cell phone provider told them about my concerns which XXXX changed my number immediately. I went online today XX/XX/XXXX  to bank in order to update the new number and called Citibank to let them know I changed my phone number of course that didn't work at all period. Every time I called ask for a supervisor it's the same old excuse either in a meeting and I'll one call you back or no supervisor is available, this has been 4 out of 7 days no supervisor is available. I told them my next step is getting a lawyer, it's stressing me bad. I would like results like yesterday and a sincere apology, update their systems to the 20th Century and more importantly retrain agents on how to talk to members when they call on the phone, BE PROFESSIONAL AT ALL TIMES.

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 2023-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: MIDFIRST BANK
State: OK

Complaint narrative:
In early XXXX I reported a transaction as fraudulent as I had not received the services I paid for and the vendor broke conduct. 

Midfirst initially reimbursed me pending review, but ruled that the incident was not fraudulent. I escalated to calling multiple managers, sent emails to multiple people with evidence, and they all made promises of following up with me and progressing my case by some point in XXXX. 

It is the end of XXXX and nobody has contacted me or followed up on the issue. Every time I call them it's like the first time the issue has been documented and they have made no noticeable effort towards a resolution.

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 2023-09-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: TX

Complaint narrative:
My account was closed without notice or warning. I messaged support and they said the account was closed on XX/XX/20 because they never recieved verification they requested. They also said I should recieve a letter within 7 days of closure, but it has now been 10 days and I am just finding out about the closure from a third party credit monitor without any form of communication from Discover. I have documentation from XXXX of this year proving Discover recieved the verification requested, confirmed they reviewed it, unfroze my account and have not sent any form of communication about the matter since.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30 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: Capstone Credit & Collection, LLC.
State: FL

Complaint narrative:
I requested for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully requested CAPSTONE CREDIT & COLL to provide me with competent evidence that I have any legal obligation to pay. I get no response from the company, but they continue to report invalidated information to all of the three major credit bureaus ( XXXX, XXXX, XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30 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: NY

Complaint narrative:
I discovered in XX/XX/XXXXXXXX  that there was a late payment reported to one or more Credit Reporting Agencies from XX/XX/XXXXXXXX  for my mortgage with XXXX XXXX XXXX XXXX. 

At that time, I had a XXXX XXXX that required that I be XXXX  for an extended period. This unforeseen emergency impeded my ability to make the timely mortgage payment. 

Because I was XXXX  at multiple and extended periods between XX/XX/XXXXXXXX  and XX/XX/XXXX, I was unable to communicate with XXXX XXXX XXXX XXXX  to request forbearance and certain other protections available to me under the CARES Act. This inability to communicate prevented me from attesting to XXXX XXXX XXXX XXXX  as the mortgage servicer that I was experiencing a COVID-19 hardship and other complications caused by a XXXX diagnosis and subsequent extended hospitalization. 

I became aware that I was entitled to attest to financial hardship during the COVID-19 emergency and supplied medical documentation in support of the request for accommodation under the CARES Act as a borrower affected by the COVID-19 Emergency. 

Up until the XXXX XXXX, I had an on-time payment history with the XXXX XXXX  XXXX XXXX  since the mortgage loan was originated. Subsequently, my payment history demonstrated ongoing and recurring on-time payments since being XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-30 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: NY

Complaint narrative:
I discovered in XX/XX/XXXXXXXX  that there was a late payment reported to one or more Credit Reporting Agencies from XX/XX/XXXXXXXX  for my mortgage with XXXX XXXX XXXX XXXX. 

At that time, I had a XXXX XXXX  that required that I XXXX XXXX for an extended period. This unforeseen emergency impeded my ability to make the timely mortgage payment. 

Because I was XXXX  at multiple and extended periods between XX/XX/XXXXXXXX  and XX/XX/XXXX, I was unable to communicate with XXXX XXXX XXXX XXXX  to request forbearance and certain other protections available to me under the CARES Act. This inability to communicate prevented me from attesting to XXXX XXXX XXXX XXXX as the mortgage servicer that I was experiencing a COVID-19 hardship and other complications caused by a XXXX diagnosis and subsequent extended XXXX. 

I became aware that I was entitled to attest to financial hardship during the COVID-19 emergency and supplied medical documentation in support of the request for accommodation under the CARES Act as a borrower affected by the COVID-19 Emergency. 

Up until the XXXX XXXX, I had an on-time payment history with the XXXX XXXX XXXX XXXX since the mortgage loan was originated. Subsequently, my payment history demonstrated ongoing and recurring on-time payments since being XXXX XXXX XXXX XXXXl.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-30 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: NY

Complaint narrative:
I discovered in XX/XX/XXXX that there was a late payment reported to one or more Credit Reporting Agencies from XX/XX/XXXX for my mortgage with XXXX XXXX XXXX XXXX 

At that time, I had a medical emergency that required that I be hospitalized for an extended period. This unforeseen emergency impeded my ability to make the timely mortgage payment. 

Because I was hospitalized at multiple and extended periods between XX/XX/XXXX and XX/XX/XXXX, I was unable to communicate with XXXX XXXX XXXX XXXX  to request forbearance and certain other protections available to me under the CARES Act. This inability to communicate prevented me from attesting to XXXX XXXX XXXX XXXX as the mortgage servicer that I was experiencing a XXXX hardship and other complications caused by a XXXX diagnosis and subsequent extended hospitalization. 

I became aware that I was entitled to attest to financial hardship during the XXXX emergency and supplied medical documentation in support of the request for accommodation under the CARES Act as a borrower affected by the XXXX Emergency. 

Up until the medical emergency, I had an on-time payment history with the XXXX XXXX XXXX XXXX since the mortgage loan was originated. Subsequently, my payment history demonstrated ongoing and recurring on-time payments since being released from the hospital.

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 2023-10-01 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: TransferWise Ltd
State: MI

Complaint narrative:
I opened my account this year on wise.com. My account got deactivated on XXXX XXXX for no reason communicated, and my XXXX $ got stuck on it. I applied for refund after that but no money was refunded till date. It's been about 5 months and after asking them many times, money has not been refunded to me. Please remove this website as they are using corrupt practices to steal people 's money. They are thieves that playing with people 's emotions and teasing them by looting them, and ignoring theirs emails after the SCAM.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: PNC Bank N.A.
State: DC

Complaint narrative:
PNC bank is not responsive to customer service concerns. Therefore I wish to close my visa credit card. However when I made the request via their secure chat, I was locked out with a message saying " Online Banking SSO Exception Page Error - You are not authorized to access Online Banking. Please contact Support team. '' PNC has made the business decision to waste as much customer time as necessary in order to save on any points of human contact to resolve concerns. Their technology is bad. They are an inferior bank. 

I want to be done with this bad bank and the account closed for good.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: TX

Complaint narrative:
XX/XX/2020 woke up to my number and email address being change on chime. I tried logging in and I couldnt. Tried to get in touch with them and to let them know whats going on but because they let someone change my information I couldnt get the answers I need. The rep told me to just request to change my information back and because you have to email I didnt hear back anything till the next day. The next day I was able to get someone to help and I was able to log in all my money was gone XXXX plus. My account was hacked and the person that I dont know was taunting me because he was able to get my information and hack my account. I did everything chime told me to do even get a police report they let somebody name XXXX chime to chime money out of my account over 50 times back to back and didnt even red flag it. I disputed it after they then ask me to write down all the transactions I didnt do send in the police report and the text from the person who hacked my account. After doing all this they denied my disputed with no legitimate reason and closed my account. And didnt want to send the denial letter after telling me it was sent I just gave up because I didnt know what to do oh and also my paycheck deposited in the accounts 3 days later and the scammer took half of it and I couldnt pay my rent I was left with nothing and no help I was put out of my apartment I had gotten to far behind and that was my money for my new place.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30 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: LA

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.

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 inructions 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-30 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: LA

Complaint narrative:
I recently discovered that they cra 's are allowing furnishers to furnish information outside of the FCRA guidelines. In XXXX of this year I challenged that information and some of which was corrected. For example, I had a lot of inaccurately reporting inquires to my consumer report along with two charged off accounts. 
The consumer reporting agency reported each of the inaccurately reporting inquires but did not remove either of the accounts. 
I was even told by XXXX that they thought I was using a third party to help me fix my credit and did everything in their power to stall my progress. This has caused me great harm and financial burden. This is not fair nor equitable to me as reasonable procedures requires it to be. As I see it the cra 's and the data furnishers are the only ones benefitting from them parking this debt and not doing a valid investigation to prove it validity. 
I will attach my disputes to this complaint in hopes that they follow the guidelines but I have a consumer lawyer on standby if they refuse and I am ready to proceed to Federal Court. 
Both accounts reporting as " charge off '' status should not be reporting to my consumer report and should have been removed when I previously requested validation. These companies have lied to me in writing and told me that they have done and investigation and the " data furnisher " certified or validated the debt when 15 USC 1681 a ( e ) says that an investigative consumer report is done by conducting personal interviews with the family, friends and neighbors of the consumer reported on and does NOT INCLUDE specific factual information reported directly from the creditor of the consumer reported on but this is EXACTLY WHAT THEY ARE DOING. WILLFULLY non compliance with FEDERAL Laws as if they are above the law. This is unacceptable and a court won't second guess granting me remedy when they see the investigation results Congress has made public record of the CRA 's using predatory tactics to harm consumers. Also them not having the staff to handle the work load as well as them profiling letters by envelope, ink coloring and font and much more. The CRAs have become a nuisance and think they are above the law breaking it DAILY with XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-30 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: LA

Complaint narrative:
I recently discovered that they cra 's are allowing furnishers to furnish information outside of the FCRA guidelines. In XXXX of this year I challenged that information and some of which was corrected. For example, I had a lot of inaccurately reporting inquires to my consumer report along with two charged off accounts. 
The consumer reporting agency reported each of the inaccurately reporting inquires but did not remove either of the accounts. 
I was even told by XXXX that they thought I was using a third party to help me fix my credit and did everything in their power to stall my progress. This has caused me great harm and financial burden. This is not fair nor equitable to me as reasonable procedures requires it to be. As I see it the cra 's and the data furnishers are the only ones benefitting from them parking this debt and not doing a valid investigation to prove it validity. 
I will attach my disputes to this complaint in hopes that they follow the guidelines but I have a consumer lawyer on standby if they refuse and I am ready to proceed to Federal Court. 
Both accounts reporting as " charge off '' status should not be reporting to my consumer report and should have been removed when I previously requested validation. These companies have lied to me in writing and told me that they have done and investigation and the " data furnisher " certified or validated the debt when 15 USC 1681 a ( e ) says that an investigative consumer report is done by conducting personal interviews with the family, friends and neighbors of the consumer reported on and does NOT INCLUDE specific factual information reported directly from the creditor of the consumer reported on but this is EXACTLY WHAT THEY ARE DOING. WILLFULLY non compliance with FEDERAL Laws as if they are above the law. This is unacceptable and a court won't second guess granting me remedy when they see the investigation results Congress has made public record of the CRA 's using predatory tactics to harm consumers. Also them not having the staff to handle the work load as well as them profiling letters by envelope, ink coloring and font and much more. The CRAs have become a nuisance and think they are above the law breaking it DAILY with 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