vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I Have In accurate, unauthorized and fraudulent of inquiries on my report. 
XXXX XXXX XXXXXXXX All Banks XX/XX/year> Experian XXXX XXXX XXXX XXXX All Banks XX/XX/year> Experian XXXX XXXX XXXX  Credit Cards XX/XX/year> Experian According to The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. I Need these items deleted 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 2024-02-14 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: MO

Complaint narrative:
In accordance with the FCRA, the list of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts shall be removed immediately : 1. XXXX XXXX 2. XXXX 3 . XXXX XXXX 4 . XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX 7 . XXXX 8 . XXXX  XXXX XXXX  9. XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 ( a ), states I have the right to privacy, 15 USC 1681, Section 604 A2, also states that a consumer reporting agency can not furish a account without my instructions. 15 USC 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. Lastly, 15 USC 1681 s-2 ( a ) ( 1 ) a person shall not furish 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 in accurate. I'm demanding that this accounts be removed as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-14 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: MO

Complaint narrative:
In accordance with the FCRA, the list of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts shall be removed immediately : 1. XXXX XXXX 2. XXXX 3 . XXXX XXXX 4 . XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX 7 . XXXX 8 . XXXX XXXX XXXX  9. XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 ( a ), states I have the right to privacy, 15 USC 1681, Section 604 A2, also states that a consumer reporting agency can not furish a account without my instructions. 15 USC 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. Lastly, 15 USC 1681 s-2 ( a ) ( 1 ) a person shall not furish 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 in accurate. I'm demanding that this accounts be removed as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
Opened a new checking account online. Made the deposit needed to and received account number and routing number for the new checking account. Made cash deposits thru one of my local branches. Went back in to get my debit card. The gentleman started to do the debit card, I even selected my pin. As he was looking at my account I see 2 large transactions that I didn't do. They said DEBIT on XX/XX/24. 2 transactions. He tried calling his back office to find out what they are. He gave me a phone number to call and have explained to me. The phone number was for someone with an existing account. At that moment I don't have an account. I had a balance of appropriate {$4500.00}. He told me to call the number and wait for a letter to come in the mail. I received the letter days later, saying that they couldn't open the account for me. They will be refunding all money that has been put in the account that does not exists. Ok, fine so again its a waiting game. I waited over a week before receiving part of my deposited money in a certified check. I should be receiving 2 checks that totaled my deposit amount. Waited weeks for the second check to come. {$360.00}. I was able to call today and speak to someone finally, and he told me that I won't be receiving the second check, it went towards my overdraft fees. Overdraft fees for what account? I don't have an account with Citizens Bank. This bank stole {$360.00} for no reason other then trying to have a checking account with them. I want every penny that was deposited in the account refunded back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Aspen Yo LLC
State: FL

Complaint narrative:
I have been trying to obtain a Short Sale Approval for a while, this is the 4th time that I sent a full package to Gregory Funding ; it seems that this servicer has only one person in the short sale department since the file always go to the same person XXXX XXXX ; the appraisal of the property was done on XX/XX/XXXX after 2 weeks after 2 weeks XXXX XXXXXXXX called the short sale processor and requested a {$460000.00} counter offer, the processor requested the appraisal results, but she said she could not provide this information. However, the counter offer was sent to the servicer immediately with the preliminary HUD 1 which stated the closing date as the contracts specified 45 days after approval ; XXXX XXXX requested to the processor to change the closing date given only 20 days to close which was against the contract ; the short sale processor explained that to her, but the short sale was denied on XX/XX/XXXX, now they have a new package since XX/XX/XXXX, and she does not contact anyone on the package or send any correspondence or email ; she called us stating that she did not wanted to work with the short sale processor and that we should choose another realtor because she was upset about my previous complaint with cfpb

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 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: NC

Complaint narrative:
I recieve emails and letters from the XXXX bureaus saying I'm using XXXX party wihich is wrong. 
Account name : XXXX XXXX XXXX Account number : XXXX Account balance : {$0.00} Date of account open : XXXX XXXX, XXXX Please delete the following inquiries : Inquiry Name : XXXX XXXX : XXXX XXXX, XXXX Inquiry Name : XXXX XXXX  XXXX XXXX XXXX : XXXX XXXX, XXXX Account Name : XXXX XXXX XXXX Balance : {$19000.00} Account Number : XXXX  Date Opened : XXXX XXXX, XXXX Account name XXXX XXXX Account number : XXXX Account XXXX : {$0.00} Date of account open : XXXX XXXX, XXXX Account name : XXXX Account number : XXXX Account balance : {$0.00} Date of account open : XX/XX/XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account balance : {$7800.00} Date of account open : XX/XX/XXXX Account name : XXXX XXXX Account number : XXXX Account balance : {$0.00} Date of account open : XX/XX/XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account balance : {$1800.00} Date of account open : XX/XX/XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account balance : {$710.00} Date of account open : XX/XX/XXXX Inquiry Name : XXXX XXXX  XX/XX/XXXX Inquiry Name : XXXX XXXX XX/XX/XXXX Inquiry Name : XXXX XXXX XX/XX/XXXX Inquiry Name : XXXX XXXX XXXXXX/XX/XXXX Inquiry Name : XXXX XXXX XXXX XX/XX/XXXX Inquiry Name : XXXX XXXX XXXXXXXX XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX XX/XX/XXXX Inquiry Name : XXXX XXXX  XX/XX/XXXX Inquiry Name : XXXX & XXXX XXXX XX/XX/XXXX Account Name : XXXX XXXX XXXX  XXXX XXXX {$19000.00} Account Number : XXXX Date Opened : XXXX XXXX, XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX  Account balance : {$7800.00} Date of account open : XXXX. XXXX, XXXX Account name : XXXX Account number : XXXX Account balance : {$0.00} Date of account open : XXXX XXXX, XXXX Account name : XXXX Account number XXXX XXXX Account balance : {$0.00} Date of account open : XXXX XXXX, XXXX Account name : XXXX XXXXXXXX XXXX Account number : XXXX Account balance : {$710.00} Date of account open : XXXX. XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am not liable for this debt with XXXX XXXX XXXX XXXX XXXX XXXX, I do not have a contract with XXXX XXXX XXXX, they did not provide me with the original contract as I requested

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-13 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: NJ

Complaint narrative:
I am not liable for this debt with 12 CREDIT ONE BANK N A, I do not have a contract with XXXX XXXX XXXX, they did not provide me with the original contract as I requested

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica
State: CA

Complaint narrative:
I am a Comerica/Direct Express consumer. I receive XXXX benefits on a card monthly. The state income comes on the XXXX, the federal, on the XXXX. I was getting ready to go to the grocery store on the XXXX of XXXX and checked my card to be sure that my state check had been deposited. I noticed ( on the app ) where I check my funds and transactions that there was a card sale pending for the XXXX of XXXX in the amount of {$990.00}. It was a fraudulent card use at " XXXX XXXX XXXX XXXX, Colorado United States Of America ''. 
I live in XXXX, California and absolutely was not in CO. Also, this is my ONLY source of income as a XXXX mother of XXXX. I absolutely did not would not could not make a transaction for that amount. I immediately called the bank to let them know that this was a fraudulent transaction. At the time, I only had {$100.00} on my Direct Express card. I receive just over {$1000.00} on the XXXX. I was told I would need to file for an investigation ( which I did ) as well as cancel my card and apply for provisional credit. I did all three tasks and have tried repeatedly to get information as to what is happening with the investigation. It is now the XXXX, and I have not received any form of communication back regarding the investigation or the provisional credit. I have no way to pay my bills and zero access to my funds. Please look into this matter as this was a crime that needs to be investigated. Thank you so much. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-13 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: VA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
This debt started in late XXXX or XXXX when I was experiencing a severe health crisis from an at-the-time XXXX XXXX XXXX that made me unable to work. I did not work consistently enough to even look at my debt until this year, XXXX. No payments have EVER been made on this debt. Per XXXX XXXX XXXX XXXX is claiming that this debt started in XXXX of XXXX when at that time my credit score was under XXXX and I DID NOT qualify for this type of card. I was temporarily homeless and didn't even have a home address for it to be mailed to between XXXX and XXXX of XXXX. 

I disputed this through XXXX XXXX and never got a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-13 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: MI

Complaint narrative:
How are you? I hope all is well. I am writing to you because I recently reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate. Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( XXXX ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. 
I listed below all the information that I found to be untrue, incorrect, incomplete, untimely, not verifiable, and unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report are true. 

Summary of Accounts being Challenged in list form : XXXX XXXX  - Account XXXX My parent has the same name as me. 
XXXX XXXX - Account XXXX THIS CONTRACT IS CANCELED XXXX  XXXX - Account 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 2024-02-13 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: MI

Complaint narrative:
How are you? I hope all is well. I am writing to you because I recently reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate. Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( XXXX ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. 
I listed below all the information that I found to be untrue, incorrect, incomplete, untimely, not verifiable, and unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report are true. 

Summary of Accounts being Challenged in list form : XXXX XXXX  - Account XXXX My parent has the same name as me. 
XXXX XXXX - Account XXXX THIS CONTRACT IS CANCELED XXXX  XXXX - Account XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I logged into the American Express website as an existing card holder and was offered a bonus offer of XXXX points if I applied for the XXXX XXXX. I have never had the XXXX XXXX before, and I was excited about the generous welcome offer. I signed up for the card, met the minimum spend of {$8000.00} in short order. When the bonus wasn't posted, I reached out to American Express. They informed me that the bonus had in fact been denied. They stated that I must have been shown a pop-up window indicating that the bonus was denied during the application process. In fact, I was never shown any such pop-up window. If I had been, I never would have proceeded with the application. The whole reason I applied for the card was the XXXX point bonus offer. I appealed to American Express internally and they informed me that the bonus had been denied. They offered no reason for the denial, and no evidence that the bonus had been denied at any point. I feel like I was subject to a bait and switch, and it has been extremely frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
My family has been long time customers of TD Bank ( and their affiliates ) for over 20 years. We began as clients of XXXXXXXX XXXX  prior to the acquisition/rebranding. 

Several years ago, my wife and I moved from traditional income to being paid less consistently and in larger amount ( XXXX XXXX XXXX XXXX Over the past year, we have had a some situations where small payments got crossed with deposits. This is always inadvertent as we have dozens of items going into and out of our account routinely. 

In XXXX, for the first time, we incurred a very large {$650.00} fee that appears associated to one of these returned checks. We shook it off as it was unfamiliar, and during the week of XXXX and assumed it was associated to a situation where a deposit did not clear in time for an pre-scheduled auto withdrawal or check. 

Since XXXX, we have received a large number of overdraft fees. After looking at the recent statements ; it appears that TD is now placing a grossly unreasonable 6 business day hold on each " large '' ( which every paycheck or brokerage withdrawal ) qualifies for. We had no idea that TD began applying this hold to each of our last deposits. This has caused dozens of overdrafts ( further reducing our balance ) and major credit reporting issues when this hold interupts mortgage and car payments, etc. 

I have been in banking and a former XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have never seen such a counter-intuitive and counter productive practice. The real world implications of a hold that extends multiple calendar weeks and exceeds 25 % of the business month is a gross abuse of retail banking. 

Due to conditions most Americans have no control over, money is tight. To have an institution we have been clients of for over two decades basically punish us and both not play interest and charge is fees in the process should be illegal. 

Furthermore, not only did the bank teller not advise me in advance of any " hold '' on the ability to access funds ; but rather inquired if, given the large deposit, " I'd like to speak to an in-branch financial advisor or discuss higher interest bearing checking accounts. ". Apparently bank policy requires their employees to solicit new business opportunities while failing to inform clients of pertinent information on their existing business.

Company response to consumer: Closed with monetary relief