vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
I tried to purchase an XXXX XXXX XXXX today through XXXX the only way to purchase now is through a loan with citizens one. That alone is unfair to consumers, however in my case it was stared on the XXXX website that the loan application would not go through unless there was stock available. My loan application was approved and the website advised I had 10 minutes reserved to checkout. I went straight to the checkout and when I selected the confirm order the website advised the item was out of stock. I have received a confirmation from citizens one that the loan was opened. The loan never should have been opened given the disclosures. I have contacted citizens one and spoke to 3 individuals in the care center including one supervisor and none of them could provide me the address to dispute credit reporting information directly with their bank. They could only escalate my case and offer a callback in 3-4 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently disputed this account with the credit reporting bureaus, and the information was reported as verified and accurate. Unfortunately, credit bureaus often use software that does not complete a thorough investigation. 

As per Section 609, I am entitled to see the validation from the source of the information, which is the original contract that contains my signature. 

According to 15 USC 1681i ( a ) ( 1 ) ( A ) the reporting agency must verify the accuracy of the validation.

Now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received the requested response from this company about these two unverified accounts as of today.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 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: WAKEFIELD & ASSOCIATES, INC.
State: GA

Complaint narrative:
As stated in the HIPAA law section 1681b ( g ) ( 4 ) you are not allowed to disclose any of my medical information this is clearly a violation to my privacy. I would like this be taken out of my credit report immediately. I reserve the right to sue your company for violations of my consumer rights as indicated under both the FDCPA and the FCRA. I will also seek damages from you if warranted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citi card gave each year reward on XXXX. 2021, did not receive any reward. I caaled and I send them latter and I answer them about why i keep their money. 
Citi card owe me more then {$1000.00}. when I ask where is my reward, they ignoring me. for 3 months. but they keep asking me your payment is du. 
I XXXX XXXX USED THE CARD. BY MY NAME IS ON THE VISA CARD. 
XXXX XXXX ask for his reward.

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 2021-04-21 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: SC

Complaint narrative:
There are several inquiries on my Transunion credit report that were not authorized. I contacted each company and Transunion directly and received no acknowledgment or cooperation in removing the inaccurate inquiries. I believe I might be a victim of the Transunion data breach regarding the reporting and reinstating inquiries. The inquiries in dispute are listed below : XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 explanation
Consumer complaint received 2021-04-21 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: CA

Complaint narrative:
Notified Transunion of accounts that were opened fraudulently or opened and charged fraudulently after I closed the accounts. One account was a XXXX XXXX card that I opened and paid for years regularly on and never missed a payment. I stopped using the card and it was stolen and used fraudulently for goods and services I did not receive or benefit from. I did not know that the card was being used or that it had been charged off after I stopped using it until I check my credit report. The card had a XXXX  balance and should not have been closed as derogatory or with a {$950.00} balance. I sent a noticed copy of the FTC report highlighting the fraudulent use of this card and the fraudulent opening of a XXXX XXXX credit card that I also stopped using but did not close. It was also charged fraudulently and closed as a derogatory account with and outstanding balance. This card should have a XXXX balance and be in good standing. Transunion failed to remove the fraudulent information or take care of it per the FTC guidelines and will not remove the accounts even with the FTC report, police report and noticed copy of all my information. This is a violation of my rights and a failure on the part of Transunion to report accurate l, correct and valid information. The information it is reporting is hurting my ability to use my credit and they are clearly violating my rights. I have requested the information be corrected and deleted or reported as it was before the fraudulent activity. They have failed to do so

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 2021-04-21 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: Debt Recovery Solutions, LLC
State: GA

Complaint narrative:
These accounts have been transferred or sold. According to my findings, I am no longer responsible for this alleged debt, there is also no written communication, contract, or signature. They have violated my consumer rights under the federal law FCRA & FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I was being investigated for fraud by unemployment of maryland however this was resolved. They have tried to process 13 payments but they were rejected by bank of america because the card and account is frozen. I have contacted unemployment and bank of america they said they are waiting for further guidance on how to deal with this. They owe me now {$5200.00} dollars and three months without payment and wont even allow me to switch my option to paper check. I NEED ANSWERS

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 2021-04-22 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently disputed this account with the credit reporting bureaus, and the information was reported as verified and accurate. Unfortunately, credit bureaus often use software that does not complete a thorough investigation. 
As per Section 609, I am entitled to see the validation from the source of the information, which is the original contract that contains my signature.

According to 15 USC 1681i ( a ) ( 1 ) ( A ) the reporting agency must verify the accuracy of the validation.

Now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received the requested response from this company about this unverified account as of today.

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 2021-04-22 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I am a TD card services customer. My card was charged without my authorization four times in XXXX and XXXX of 2020 for {$89.00}, {$89.00}, {$89.00} and {$89.00} for the total of {$350.00}. Two packages were delivered to my mailbox, two bottles in each. 
I previously ordered another item for {$6.00} from that merchant on XXXX/XXXX/20. I never got that item, instead those four tiny bottles for about {$90.00} each were delivered. That is some price that I can not afford, that is why I could not have possibly ordered those products. I mailed all four bottles intact to the merchant on XXXX/XXXX/20, since I never had ordered them in the first place. I disputed those charges. I also provided the postal receipt showing that the items were returned to the merchant. I was so upset, that decided to close the account on XXXX/XXXX/20. 
TD card services were investigating the matter for more than a month and notified me in a letter dated XX/XX/XXXX20 that they do not believe a billing error has occurred. I, on the other hand, know as a fact, that l did not order these four bottles. 
My Case Number is : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Letters of dispute were sent XX/XX/2021 to Experian regarding XXXX XXXX  account/charge off. and XXXX XXXX reporting current open account. 
I am demanding they comply and release their findings to me of or remove items immediately from my credit fiile

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 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: AVANTE
State: GA

Complaint narrative:
These accounts have been transferred or sold. According to my findings, I am no longer responsible for this alleged debt, there is also no written communication, contract, or signature. They have violated my consumer rights under the federal law FCRA & FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
REPEAT ISSUE : Inaccurate, unverified bankruptcy reporting against me. At this point this dispute is to collect more evidence of willful negligence from the credit bureau in this issue for court. 

No real investigation has been conducted on the issue.

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 2021-04-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Aspen Yo LLC
State: FL

Complaint narrative:
Since the transfer of this mortgage ( XX/XX/XXXX ) from XXXX XXXX XXXX to XXXX XXXX XXXX XXXX XXXX, XXXX XXXX representatives have not assisted in the following umbrella of Hazard Insurance requests. Received another letter dated XX/XX/XXXX. 

( XXXX XXXX Their first communication to mortgage holder was not a introduction or mortgage statement, but a request for hazard insurance - XX/XX/XXXX. There are many types of hazard insurance, mortgage holder was unsure which XXXX. This was not requested by XXXX, or XXXX XXXX XXXX. Mortgage holder sent multiple written requests for clarification. It took XXXX XXXX over a year to address the request for clarification. 

( XXXX ) In the interim, XXXX policies related to the XXXX hazard insurance was sent to their vendor - XXXX. XXXX was the first point of contact, and then XXXX. Not only were the policies faxed, emailed ( XXXX ) and discussed over the phone with this company, mortgage holder requested that vendor communicated timely with Gregory Funding. Fax was sent to Gregory Funding as well for a hazard policy that expires XXXX for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX ). Letters persists without response to ALL hazard insurance related written letters. The company consistently denies mortgage holder opportunity to discuss these issues since XX/XX/XXXX. Mortgage holder called again in XX/XX/XXXX and was denied assistance by XXXX of customer service. 

( XXXX ) Per loss mitigation file with HUD agencies, declaration page of both homeowner 's and XXXX insurance XXXX XX/XX/XXXX & XX/XX/XXXX ) were submitted. 

( XXXX ) Called XXXX and spoke with head operator who connected call to XXXX XXXX, head of XXXX XXXX, left a voice message. Awaiting call back. Operator Sup researched the email address ( XXXX ) and stated email shows associated web developer 's name. Head operator called to reach XXXX, XXXX rep, no answer. Mortgage holder was transferred to XXXX 's voice mail, left a message for XXXX, no response from Candy or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 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: Diversified Adjustment Service, Inc.
State: IN

Complaint narrative:
I have been disputing with the 3 major credit bureau since XXXX last year I have told them numerous times that I am a victim of identity theft. XXXX is the only bureau that will not remove these collections from my credit report. Diversified adjustment and XXXX XXXX XXXX XXXX  have been contacted with both FTC and police report and asked them to cease all reporting and collection immediately and they still are reporting fraudulent collections to my experian credit report.XXXX and XXXX has already removed and ceased all reporting and collections of these two fraudulent accounts from my credit report. I have spoke to fraud department through XXXX, they have all of my information as well as the FTC and police report concerning identity theft. I am making a complaint and these accounts need to be immediately removed from the XXXX  account. I have asked for debt validations from the companies and they have no actual proof of anything. I have no court documents because these account does not belong to me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 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: IN

Complaint narrative:
I have been disputing with the 3 major credit bureau since XXXX last year I have told them numerous times that I am a victim of identity theft. Experian is the only bureau that will not remove these collections from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX have been contacted with both FTC and police report and asked them to cease all reporting and collection immediately and they still are reporting fraudulent collections to my experian credit report.XXXX and XXXX  has already removed and ceased all reporting and collections of these two fraudulent accounts from my credit report. I have spoke to fraud department through experian, they have all of my information as well as the FTC and police report concerning identity theft. I am making a complaint and these accounts need to be immediately removed from the experian account. I have asked for debt validations from the companies and they have no actual proof of anything. I have no court documents because these account does not belong to me.

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 2021-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
ON Thursday XXXX, I ordered XXXX pair of glasses off XXXX..Once I place the order {$280.00} was fraduently removed from my account. I call my bank minutes after it happened till this day I am still fighting to get my money back through Bank of America XXXX XXXX. That was my whole check and I have been pleading with them to either call XXXX or refund my money.. Which was for car repair I can not get my car out the shop because of this situation, when they refuse to refund me that money. XXXX has tried to give me a credit but were unable to because Bank of America canceled that card. This happened before in XXXX where someone has trade ins electronic device on my account my account was shut down for XXXX in XXXX, and I was refunded by XXXX XXXX, and it was prepaid account. All XXXX  HAS TO DO IS CALL XXXX THEY REFUSE TO CALL IT HAS BEEN XXXX DAYS AND THEY STILL ARE NOT TRYING TO GIVE ME MY MONEY, IN COMMERICIALS ALL I SEE IS MONEY IS INSURED YET I GIVE MY HARD EARNED MONEY TO THE BANK EVERY XXXX WEEKS BEFORE I EVEN KNOW HOW MUCH IM GETTING PAID YET THEY TREAT ME AS IF XXXX XXXX XXXX. I CALLED IN TEARS BECAUSE I CANT PICK UP MY KIDS FROM SCHOOL AND THEY STILL REFUSE TO CALL XXXX OR REFUND ME. THEY KNOW I AM XXXX AND IM BEING TREATED THIS WAY BECAUSE OF THE XXXX XXXX XXXX XXXX. IVE HAD XXXX FRIENDS HAVE THIS SAME ISSUE AND THEY GET REFUNDED DAY XXXX. I DONT KNOW WHAT TO DO FOR A BANK THAT HAS MILLIONS OF DOLLARS TO TREAT THEIR CUSTOMERS LIKE THIS THEY NEED TO BE FINED OR DONT NEED TO BE ABLE TO OPERATE WITHIN THE UNITED STATES I AM XXXX XXXX XXXX AND FOR A BANK TO TREAT ITS CUSTOMERS LIKE THIS IS NOT ACCEPTATABLE. THEY ALREADY LIED TO ME ABOUT A PROMOTION FOR {$100.00} TO GET ME TO SIGN UP FOR THE CHECKING ACCOUNT, AND XXXX  MONTHS LATER WHEN ITS TIME TO PAY ME THEY USE A FINE LINE PRINT THAT A NORMAL XX/XX/20 VISION PERSON COULD NOT READ. THEY ANSWER MY CALL EACH TIME I CALL SO THEY ARE NOT THAT BUSY THAT THEY CANT CALL AND GET MY FUNDS FROM XXXX THAT IS JUST THE XXXX  THEY HAVE FOR THEIR XXXX CUSTOMERS. I NEED HELP OR I WILL GO TO XXXX AND THE NEWS ... I HAVE GRANDKIDS THAT NEED TO BE PICKED UP FROM SCHOOL AND WITHOUT MY CHECK I CANT GET MY CAR AND THE BAD THING IS I HAD JUST GOT PAID THE SAME DAY ... PLEASE HELP IVE BEEN ON XXXX AND MY NEXT STEP WILL BE THE NEWS CAUSE IM TIRED OF PLAYING GAMES OVER {$280.00} WHEN THIS BANK HAS MILLIONS ... .AND THEY NEED TO STOP TREATING THE XXXX XXXX WRONG ALSO CAUSE THAT IS A FORM OF DISCRIMENTATION ... MY NEXT IS THE NEWS ... BECAUSE IVE WROTE ABOUT MY ISSUE WITH THE PROMOTION AND NEVER HEARD BACK FROM YOU SO I KNOW THEY ARE XXXX XXXX XXXX XXXX XXXX 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 monetary relief
Consumer complaint received 2021-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF THE WEST
State: CA

Complaint narrative:
I just opened a new checking account with Bank of the West on XX/XX/21. I funded the account by transferring {$1000.00} from my XXXX checking account on XX/XX/21. The only transactions that have posted to this account ( aside from the {$1000.00} deposit ) were {$1.00} or less, to establish links to my accounts at other institutions, including XXXX and XXXX XXXX XXXX. 

On XX/XX/21, I received the following email from the bank : " Dear Customer, We detected unusual login activity on your Bank of the West account and have temporarily XXXX online access to protect your information. '' I called the indicated phone number to inquire as to what was going on. The agent informed me that my account had been flagged as deposit only, no withdrawals allowed. He further informed me that no reason had been given in the notes and that I needed to call or visit the main XXXX XXXX branch for further assistance. 

At XXXX on XX/XX/21, I called the main XXXX XXXX branch and spoke with XXXX XXXX to see what was going on with my account. XXXX XXXX indicated the account had actually been locked down by another department at the bank - not the branch. She said she would need to make a few phone calls and would get back to me. I did not hear from her, so I called back for her the following day at XXXX. I left a message for her to call me back with the status of her inquiries. She did not respond. 

Bank of the West clearly has some problem with my account but they have failed to inform me what the problem is and how to resolve it. This is terrible customer service and I am quite surprised such a good company would provide such an awful experience. 

Thanks for your assistance.

Company response to consumer: Closed with explanation