vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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 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  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 can not furnish a account without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) section states : no consumer reporting agency 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 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 2023-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
Citizens bank froze my online access on or around XX/XX/2023. I received a letter stating that my accounts were closed but funds would not be issued until XX/XX/2023, this sizsure and delay of the availability of funds is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
XXXX had a breach in 2022 it's public information to look up lawsuits taking place I was told I was part of that breach I had no idea it happened until I was told I was in and out of hospital dealing with this and felt like I was discriminated against by the bank because I'm poor and sick my identity was stolen and XXXX was dragging everything out they still are dragging it out, it's a complete mess I tried to send money via XXXX pay which also runs through XXXX and the receipt from receiving person sent me copy it had a totally different person 's name I was robbed had to call bank continuously and nobody knew what they were doing it was very scary I was frustrated upset crying I was laughed at hung up on etc I don't think a person should be treated that way I understand they have policies however my identity was stolen and I was punished for that and they closed my account while things were still under investigation not fair by any means

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: CHALLENGE FINANCIAL SERVICES
State: CA

Complaint narrative:
My SSN and wallet was stolen I reported it but nothing was done in being charged for cars and other things on my credit I'm unable to rent a house or purchase a car and open a bank account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
On the XXXX of XXXX my niece sent me {$360.00} through venmo they refused to transfer the money. They froze my account for no apparent reason

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
- XXXX, Date Opened : XX/XX/XXXXXXXX  REPORTED TO Equifax, last day of payment XX/XX/XXXXXXXX  Collection account with a pass due amount showing {$200.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX  reported to XXXX, last day of payment not reported, BALANCE {$200.00} - XXXX XXXXXXXX, Date OpenedXXXX reported to XXXX, last day of payment not reported, BALANCE {$200.00} -ALL THESE 3 COMPANYS APPEARS TO HAVE DIFFERENT NAMES REPORTED TO MY CREDIT BUT IS ONE COMPANY ALL TOGETHER AND THEY ALL SHOW BALANCE AND HIGH CREDIT OF AN AMOUNT {$200.00} -dates do not match

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
- XXXX, Date Opened : XX/XX/XXXX REPORTED TO XXXX, last day of payment XX/XX/XXXX Collection account with a pass due amount showing {$200.00} - XXXX XXXX, Date Opened : XX/XX/XXXX reported to XXXX, last day of payment not reported, BALANCE {$200.00} - XXXX  XXXX, Date Opened:XXXX reported to EXPERIAN, last day of payment not reported, BALANCE {$200.00} -ALL THESE 3 COMPANYS APPEARS TO HAVE DIFFERENT NAMES REPORTED TO MY CREDIT BUT IS ONE COMPANY ALL TOGETHER AND THEY ALL SHOW BALANCE AND HIGH CREDIT OF AN AMOUNT {$200.00} -dates do not match

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 2023-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

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. 

Account name : XXXX XXXX 1. XXXX XXXX XXXX, Reference # XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX {$470.00} 2. XXXX XXXX XXXX, Account number # XXXX Original creditor : XXXX XXXX {$1200.00} 3. XXXX XXXX XXXX, XXXX {$2200.00} Reference # XXXX XXXX. XXXX XXXX XXXX XXXX Acct # XXXX {$780.00} 5. XXXX  XXXX Acct # XXXX {$1100.00} 6. XXXX XXXX XXXX  XXXX Acct # {$2500.00} 7. XXXX XXXX XXXX  XXXX Acct # XXXX {$1000.00} XXXX. XXXX XXXX Acct # XXXX {$1800.00} 9. XXXX XXXX Acct XXXX XXXX {$350.00} 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 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 2023-06-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Called to on XXXX XXXXXX/XX/XXXX to request a settlement offer or to lower the interest rate to payoff the card. Was told there wasnt any offer they could make.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TOYOTA MOTOR CREDIT CORPORATION
State: VT

Complaint narrative:
Toyota Financial Services do not sign any letter mailed to my address. Making the letters not a legal document and/or documentation ( XXXX ) I sent two pictures the last 2 letters from Toyota Financial Services WITHOUT ANY SIGNATURE ( S ) This is a BUSINESS COMMUNICATION AND THAT IS SUPPOSED TO BE DONE. These letters are LEGAL DOCUMENTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
On XX/XX/XXXX  I deposited a check and a money order in the Bank of America ATM in XXXX, MO. ATM ID XXXX. The money order was {$640.00} and the check was {$22.00}. Later that day I saw the entire deposit wasn't credited on my online acct.. Went to Bank of America and spoke to a Teller. She said there was nothing they could do for me and that they would be mailing the money order back to me and then I could redeposit. A couple days later I received a letter from Bank of America stating the ATM deposit couldn't be deposited because it wa n't a valid check and that they would be mailing the item back to me in XXXX to 10 days. On XX/XX/XXXX  I called the number on my bank statement to inquire about the missing money order as instructed by the letter. ( reference # XXXX. ) The Bank of America representative told me they destroyed the money order and that there is nothing they could do to help me. They instructed me to tell the person that gave me the money order to have the money order payment stopped and reissue a money order. If they had returned the money order to me like they said they would I would have been able to redeposit the money. Since they destroyed it I'm out {$640.00} and XXXX, who issued the money order just made {$640.00}. What a joke. We are closing our accounts with Bank of America.

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 2023-06-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: SANTANDER HOLDINGS USA, INC.
State: MA

Complaint narrative:
On XX/XX/XXXX I went online to my Santander checking account and my Heloc loan account. I checked the balance of the Heloc account and transferred the balance of {$3300.00} to that account to pay off the balance. When I checked the account a few days later I noticed that although this amount was taken out of my checking account it was not applied to the Heloc account. Then on XX/XX/XXXX Santander took {$230.00} out of my checking account for the loan balance. At this point the balance should have been XXXX as I had paid the balance. It was then that I realized that the {$3300.00} they took out of my checking account had not transferred properly. I called and was told they would check it out. I have been on the phone with them at least 4 times since then and the issue has not been resolved. They closed the loan account, charged me more in interest as well as a fee and then credited my checking account {$77.00} on XX/XX/XXXX. I believe they owe me more money. If the balance was {$3300.00} on XX/XX/17 I may have owed them a few more dollars in interest but not {$50.00}. I feel the credit I should have received should have been closer to {$120.00} versus the {$77.00} they gave me. No one at Santander has bothered to explain what happened to the original transfer. I am attaching a picture of the checking account statement as well as the XXXX and XXXX statements in the loan account as I can no longer access the loan info online as it has been paid. Your assistance is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
It should be known that this complaint is filed against both TransUnion and XXXX for reporting incorrect information, invalid information and incomplete information from my credit reports. Said information is violating the FCRA and due process of federal law and is affecting my credit score and potentiality for credit. The adverse information is from a account named XXXX XXXX XXXX under account number XXXX for {$140.00}. This problem was disputed with both TransUnion and XXXX and both credit bureaus denied my disputes and deemed all information in reports to be correct and verified. No other disputes are pending for this account. Said errors and discrepancies are asserted below and in support of this complaint, a copy of the consumers smart credit 3 bureau report is enclosed for review so all errors and discrepancies can be ascertained and be validated. The said errors and discrepancies are : 1. Both reports from TransUnion and XXXX are missing date account was closed. 2. Both reports from TransUnion and XXXX are missing date of last activity. 3. TransUnion reports this account under account status as open. This is a account that has been closed, sent to collections, and sent to a collection agency. No collections are open accounts and this account is closed and should not report as a open account. 4. Both bureau reports are missing past due amounts. 5. Both bureau reports are missing date of last payment. 6. TransUnion report says under Dispute status that account is not disputed. Contrary on same report under Creditor 's Remarks it says account disputed. Both can't be correct. 7. Under Creditor 's Remarks it says account disputed on TransUnion report. Said dispute has been over and no other disputes exist. Once dispute is over, TransUnion was obligated to remove all codes and remarks about disputes from the report, which TransUnion failed to do. 8. XXXX report shows under Dispute status and Creditor 's Remarks that account is disputed. Said dispute is over and no other disputes exist. XXXX was legally obligated to remove all codes and remarks about disputes from the report but failed to remove them. All errors are blatant, are numerous, and violate 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 2023-06-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
To whom it may concern, In XXXX I was a victim of id Theft, I fixed it at the time that happened and I put a freeze in my credit report, back in XXXX something came up and I did a consultation with a Lawyer who after suggested to file for XXXX XXXX bankruptcy, I filled all the papers she sent but 2 days before paying her she decided to drop the case, so I stopped paying my bills for 2 months, While I was working with the Lawyer, she recommended another one, but after talking to him, I decided not to pursue. and now I'm in a bigger trouble and making it impossible to go back on track, so some of my credit cards I got an agreement to remove late fees and personal loans, but XXXX card closed my account, minimum payment now {$390.00}, But the worst of all Citi Advantage closed my account too making the minimum payment {$680.00}, after 20 years as a customer with Citi, only having this account for 6 months, never late, same with XXXX. I have been trying to communicate over the phone with Citi and its, impossible nobody has access to the account not even myself. Every time I call they cant see the account, They transfer me to collections, same thing, they transfer me to recovery dept, call drops and I have to start over again.Im just trying to go back on track.

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 2023-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Why do you keep on closing my complaints saying that you already processed my earlier complaints about my problem? I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am asking an assistance to REMOVE these fraudulent items on my credit report. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2023-06-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: Block, Inc.
State: AL

Complaint narrative:
I have a cashapp account that i can not get my money out of. I have tried chatting since monday with no success.i have slso called three times and been hung up on three times without resolve or a solution to the problem.i have not cursed to any of the agents and tried to be polite as possible. 
Cashapp is blaming everybody but themselves with the problem but refuses to fix a simple withdrawel of my money that i use daily. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: PACIFIC WESTERN BANK
State: CA

Complaint narrative:
The loan for our properties is in default and the lender raised the interest rate to 18 % without proper notice in XXXX. 

The lender Civic Financial Services via rep XXXX XXXX indicated on XX/XX/XXXX that they would entertain a short sale and that the challenge was the amount of the XXXX loan. A owner occupied buyer was buying the property for $ XXXX which was less than the amount owed. The house appraised for XXXX XXXX on XX/XX/XXXX, XXXX XXXX that they are not able to get a short sale approved with the XXXX lender payoff being large. He indicated to our attorney that we would have to reduce the XXXX loan payoff to $ XXXX. After a couple days the XXXX lender agreed to reduce the payoff to $ XXXX. Subsequently on XX/XX/2023 XXXX indicated they would not approve the short sale with no reasons indicated. The XXXX lenders actions have put the buyer in a homeless position and also was a bad faith effort. We believe that the lender is trying to sell these loans to another lender in the middle of the transaction and is not acting in good faith to complete the transaction and mitigate their losses. All parties are ready to close. We have escalated this with Civic Financial services which is owned by Pacific Western Bank to no avail. We request immediate help to encourage the bank and its subsidiary to act in good faith to complete the short sale. Moreover the lender charged the past due interest on XXXX homes on just the XXXX home ( in addition to accelerating the interest rate without proper formal notice )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: CA

Complaint narrative:
I'm having difficulty accepting this issue and it's affecting my ability to sleep. I urge you to update my account immediately as I have always made timely payments, and this is causing me a lot of 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 2023-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There are inaccurate accounts on my credit report that is reporting. There is also names and addresses reporting that are not mine.

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