vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
My account was put on hold I tried to explain that my card was lost that I didnt make the transactions that was on my account so I asked if I can withdraw the money from my savings so I can pay my bills during the dispute investigation they told me they was using it for the negative balance in my checking from a check that wasnt deposit by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This was not sent in error, I am a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my credit report. Unauthorized use of my credit report. 

Here again is the incorrect information being reported : XXXX XXXX XXXX account : XXXX balance : {$1400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
XX/XX/XXXX i got in the mail a letter from Pep Boys and I never got my car fixed at no pep boys and especially not XX/XX/XXXX either so idk who acct they are trying to add on mines

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 2022-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2022-04-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: TX

Complaint narrative:
XXXX XXXX XXXX attempted to collect a debt that wasn't mine and when they had a debt collector contact me I asked to set up a payment for deletion since it wasn't my account and gave them my card info to do so but instead they tried to remove funds from my account without deleting this from my credit profile when it never even belonged to me. I was strongly mesled by both companies XXXX XXXX XXXX and ERC. This Needs To Be Permanently Removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
Fact, CHRYSLER CAPITAL is willfully in violation of FAIR DEBT COLLECTIONS PRACTICES ACT VIOLATIONS pursuant to 15 U.S.C. 1692a.

Fact, CHRYSLER CAPITAL is willfully in violation of title 15 U.S.C. 1692b ( ( 2 ).

Fact, CHRYSLER CAPITAL is willfully in violation of title 15 U.S.C. 1692b ( ( 5 ).

Fact, CHRYSLER CAPITAL is willfully in violation of title 15 U.S.C. 1692c ( ( a ).

Fact, CHRYSLER CAPITAL is willfully in violation of title 15 U.S.C. 1692c ( ( b ).

Fact, CHRYSLER CAPITAL is willfully in violation of title 15 U.S.C. 1692d ( ( 2 ).

Fact, CHRYSLER CAPITAL is willfully in violation of title 15 U.S.C. 1692d ( ( 5 ).

Fact, CHRYSLER CAPITAL is willfully in violation of title 15 U.S.C. 1692e ( 2 ).

Fact, CHRYSLER CAPITAL is willfully in violation of 15 U.S.C. 1692e ( ( 12 ).

Fact, CHRYSLER CAPITAL is willfully in violation of title 15 U.S.C. 1692j ( ( a ).

Fact, CHRYSLER CAPITAL is willfully in violation of title 15 U.S.C. 1692j ( ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
At XXXX XXXX time on XX/XX/2022, I received a login code I never requested followed by a notification that my email was removed from my account. this prevented my notification of any subsequent fraudulent transactions, so I don't know what the criminals have been up to. Any and all transactions made at or after that time in that account are fraudulent. I can not see any of these amounts since my account was hijacked at this point and I was rendered unable to login through the removal of my email address. I was asleep and not logged in, so I could not possibly have made the transactions. I contacted cash app immediately upon waking up that morning via in app ticket through another account, through XXXX, through email, and made numerous attempts to reach them by phone. I have sent dozens of emails back and forth with support and they will not do anything to remedy this. I want any fraudulent transactions reversed and the account closed, and I have been upfront about those instructions, my personal information and what happened from the very beginning.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This was not sent in error, I am a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my credit report. Unauthorized use of my credit report. 

Here again is the incorrect information being reported : XXXX XXXX XXXX account : XXXX balance : {$1400.00}

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 2022-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/2022 Citibank blocked my account when I contacted Citibank the bank, I was told that my account is being referred for closure at that time I asked why this is happening the bank told me I will receive a letter in the mail on why, and that the account will be closed in 30-60 days and a check will be mailed out with my balance that was in the account ( XXXX ). as of now XX/XX/2022 I still have not received a notice so I dont know why the account was blocked or referred for closure each time I call I am being told that this is confidential and the account will be closed in 30-60 days and a notice will be sent and this time citibank has failed to send a notice. I am behind in bills and will like answers to why this is happening i have no letters to upload because citibank has not sent me anything

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 2022-04-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Debt Mediation, Inc.
State: GA

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Remove this Fraudulent account ( XXXX XXXX ) immediately and do not re insert this account on my report again. I have notified Attorney General XXXX XXXX, a complaint has been filed with the attorney generals office. 

1. remove the XXXX XXXX account as this was previously investigated and removed. If you Equifax determined this account to be fraudulently added to my report why is it now back on the report. This is a violation and illegal attempt to cause harm. I demand monetary compensation of {$1000.00} for each violation. 

Equifax has neglected to respond within a timely manner to provide verification on this account. Please remove this XXXX XXXX XXXX ( fraud ) account immediately and do not re insert this account on my report again. I have notified Attorney General XXXX XXXX, a complaint has been filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I subscribe to XXXX XXXX, a credit report monitoring company. For the past year, they have told me that XXXX and TransUnion consistently report my XXXX XXXX FICO score as between XXXX and XXXX. In XXXX, XXXX, both agencies reported that my score was XXXX. Additionally, I have several accounts with XXXX XXXX  and they also reported that my score was XXXX. I then went buy a car. 

According to the car dealership, XXXX XXXX XXXX, who shared my FICO score with me, the XXXX XXXX score that they received from XXXX was only XXXX. While that is still not a terrible score, it is significantly lower than was previously reported to me and probably affected the loan rate that I received when I purchased my car. In fact, XXXX offered me a terrible loan. I received a loan rate through the car dealership that was not what I thought it should be, but I was able to negotiate it down a bit before completing the deal. 

When I contacted XXXX and XXXX XXXX, they both stated that there are numerous credit scores that are generated and shared, but neither business could explain the XXXX point discrepancy. XXXX XXXX blamed XXXX. If a person 's credit score is generally dramatically different than is reported to them, what good is receiving a score in the first place? It is used by both XXXX and Credit Karma to make the customer ( me ) believe that the credit card or loan that they are offering is based on better credit than is actually the case. That is blatantly fraud!

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 2022-04-12 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: VA

Complaint narrative:
On XXXX XX/XX/2022 I initiated an ACH transfer from my Citizens bank account which was swiftly blocked by the company. I called in and they unlocked it after 40 minutes on hold. 

On XXXX  XX/XX/2022. This transfer was blocked a second time and my online access to my account was also blocked. I called them and they hung up after being on hold for 40 minutes. I called again and requested a call back which was answered again 1 hour later. Then they transferred me to technical support which hung up on me after 40 minutes of hold. 

I am not able to use this account at all right now. 

In late XXXX I opened this account with consideration of the {$400.00} new user bonus. I have fulfilled all requirements of this bonus and was trying to move over to it as my primary account. If citizens decides to close my account for no reason after I have tried my best to achieve this bonus, I would like the {$400.00} bonus along with my {$600.00} account balance in a check mailed to my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: NC

Complaint narrative:
On XX/XX/XXXX I completed a application for XXXX XXXX to Fed Loan Servicing. I was able to input all of the required information ; but when I pushed the submit button it would give an error message saying that " we're unable to take your borrower defense request right now. We're working to fix the issue. Please come back later to submit. We aploogize for the inconvenience ''. I have tried at least 50 times on different occasions ( XX/XX/XXXX to present ) to submit the application on different devices ( phone, tablet, and computer ) and browsers ( XXXX XXXX  XXXX ) yet I still get the exact same error message when I push submit on either device. There is a extreme flaw on the studentaid.gov website that is not allowing applications to be submitted. It is affecting the integrity of the fed loan servicing/ student aid borrower defense application submission/ process. With over XXXX XXXX students that utilize student aid through fed loan servicing and its affiliates ; the flaw on the website is a tactic that is being used by fed loan servicing to prevent students from having a fair opportunity to apply for borrower defense and receive a resolution in a timely manner. Its a ploy to frustrate students and have them give up on gaining a resolution that they are advertised to have as an option regarding addressing issues and violations that students experience and advertised for students to have access to. I have called and no manager or staff at federal student aid has been able to fix the issue with the borrower defense application submit button on the federal student aid website. I also read online on reddit ; posts from students in other states that have the exact same issue when trying to submit an application for borrower defense.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Albert Corporation
State: IL

Complaint narrative:
I have reached out to this financial institution about disputed transactions that I believe were handled incorrectly and therefore I was not provided a refund.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: KEYCORP
State: CA

Complaint narrative:
I have a mortgage account XXXX and a linked checking account XXXX with key bank. In the statement of checking account, it says we get monthly fee waive with mortgage account. But I got charge for monthly fee XXXX on XX/XX/2022. They refused to refund me and says I didn't set ACH correctly without telling me ahead of time at all. In addition, in the online portal no way to pay from other account besides transfer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-12 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
Someone tried to get a credit card using my information with XXXX XXXX XXXX  in South Dakota on XX/XX/2022. I only found out because of the membership I have with XXXX XXXX XXXX, sent me the attached report. 
I have all my credit " frozen '' with Transunion, XXXX, and XXXX however Transunion apparently " unfroze '' and did a " hard hit '' for this fraudulent card. 
I tried to work with the XXXX XXXX XXXX  who agreed it was fraud, but now I can not get anyone to send me anymore information to get the " hard hit '' off my Transunion report. My issue is Transunion, and the hard hit, as they hold me responsible for supplying information to delete the hard hit and XXXX XXXX XXXX  is done with it. I did call our local Police department here in XXXX Oregon and filed a police report ( which Transunion said they needed to clear this hard hit ) Transunion will not take the police report number which is XXXX. 
Also attached is the letter the bank XXXX XXXX XXXX  sent ( XX/XX/2022, and the follow up letter XX/XX/2022, to who they thought was the person requesting the card and the follow up letter even after I told them it was not myself but fraud. 
I appreciate any help getting this hard hit off my credit. I had nothing to do with it and am extremely disappointed in Transunion not helping as I am the one that has had fraudulent activity against my credit, and I can not seem to get the XXXX XXXX XXXX  to help now that their benefit is no longer in the mix. 
Any help is appreciated.

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 2022-04-12 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: TX

Complaint narrative:
I have been contacting XXXX, Transunion, and XXXX for the last several months about inaccuracies and fraudulent information on my credit report. I have tried sending certified letters to the po box es that are listed on their websites, I have tried disputing online and I have also tried calling them about these issues with little to no results. I have submitted a copy of my fraud report but XXXX in particular are not cooperating and is insisting that they have not received any of my complaints or documentation. 

According to the FCRA and FDCPA several of my rights have been violated. 1. section 623 crushman vs transunion and 806 B of the FDCPA says that items that were already deleted have been re posted to my account without contacting me within 5 days. 2. Section 611 A1 is a violation in which the creditors did not report that this information was under dispute to the creditors reporting the debt. 3. section 604 A3 is a violation due to the inquiries that were placed on my account without my permission or knowledge. 4. Section 603 and section 605 indicate that the information being reported on my report must be 100 % accurate or it must be deleted. some of the accounts have been updated as closed but they have not been deleted which is a violation of my rights. 

The creditors in question are : 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 XXXXXXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX The collection accounts that are not accurate are 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 XXXXXXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXXXXXX 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