vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
Hello, I became a customer of Citizens Bank on or about XXXXXXXX XXXX. I opened accounts at the XXXXXXXX XXXX XXXX XXXX, NY, XXXX branch. 

Last Friday I asked for a cashier 's check and was given one of about {$150000.00}. I later returned that day and deposited it because I was unable to timely deposit it elsewhere. I returned on Monday to withdraw it again. I then did deposit it at elsewhere. 

I later observed that the second check sum was some {$340.00} more than the Friday check. The accrued weekend interest portion does not explain the difference. 

What explains the discrepancy? I want to ask Citizens to cross-check that past and present interest sums have been correctly allocated since I opened my account. 

As a result of a " revenge-fir-hire '' campaign I have been a target of community harassment/stalking. For more on this, please see XXXX XXXX XXXX XXXX " revenge for hire '' campaign can involve community stalking and hacking, smear campaigns to broadly discredit and vilify, a criminal network of peeping toms, unlawful breaking and entering into private property and other hostile acts.

Bank personnel sometimes allow themselves to become absorbed in manufactured dramas. They may be recruited and/or incentivized to create delay tactics to gum up the works and to financially deprive. In addition they may play bizarre " pranks '' such as wear particular clothing when the target client goes to the bank, always careful to cultivate plausible deniability. I strongly believe at least some Citizens staff - both front and back-office- have participated in such " pranks '' and may be cajoled to make specific, scripted comments. 

By coincidence or something, upon opening my Citizens account on or about XXXXXXXX XXXX with a bank cashier 's check, there was a considerable delay of about 10 days or so for the check to clear. Bank manager XXXX XXXX said there shouldn't have been because it was a cashier 's check. 

Within days, there was a second peculiar occurrence as XXXX XXXX ( spelling? ) tried to open a CD for me. Again there was a delay -- - XXXX herself described the situation as " dizzying '' in light of other delays I encountered. At another branch, a notary at a Citizens told me her notary stamp was not functioning because it " fell. '' Are staff ( front and back office ) at Citizens complicit in organized harassment tactics against Citizens clientele, including those identified here? Would they level with Citizens compliance staff if so? 

At the very least, I kindly request a cross-check to see if interest payments have been correctly and properly allocated. 

Thank you for your time and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-11 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: CL Holdings LLC
State: CA

Complaint narrative:
I do not have a contract with Jefferson Capital Systems and do not owe the alleged {$770.00}. I demand a validation of debt as well as well as proof of permissible purpose, I never gave them written permission or any consent to report anything on my consumer report. No consent is fraud 15 USC 1681b. I am no participating in the collection of this debt therefore they are furnishing deceptive forms, Cease And Desist immediately, 15 US Code 1692j. Please remove this account immediately. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
Capital one keep sending me email asking for payments after I sent proof of me being a victim of identity theft, and I told them that I did not open up a capital platinum card or a Walmart capital one card, which makes no sense. They the Walmart card as Fraud, but not the capital one platinum card as Fraud when the same person is the one that applied for both cards. I have sent them proof numerous of times and they said that I am liable for the capital one platinum card. I am a victim of identity theft I am not liable for this account. I have told these people several times to remove this from our credit report as soon as possible. It makes no sense that yall say one card is fraud but not the other one .i was lock up at that time. Did not open them account its against the law to put false info on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-11 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: SC

Complaint narrative:
I'm putting down to give my nervousness concerning the tried accounts on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably alluded to that they be totally penniless down. Notwithstanding what my undertakings, I in the long run can't get any objective or steady turn of events. These off track records are truly hurting my credit document and obstructing my ability to happen with a standard life. The obnoxious aftereffects of these mistakes have caused tremendous hardships for me, and I'm left with no choice close to rapidly fight for your assistance with reviewing what's happening. I liberally request that you direct a vigilant assessment concerning the fundamental of these tried records. It is basic that the main pushes are taken to reestablish and alter my credit report right away. With your help, I really want to restore the exactness and dependability of my credit record so I could recover control over my money related accomplishment. I really request that you present this matter your for the most part ludicrous suggestion and take a fast action. Your assistance and moving in settling this issue quickly would be astoundingly basic. Much appreciation to you without skipping a beat for your understanding and help.

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 2024-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-11 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: CA

Complaint narrative:
To whom this may concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

15 USC 1681e ( b ) Compliance and Procedures ( b ) Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about when the report relates.

Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the accounts listed below. Or a Certification from the creditors that certified the accuracy and completeness of the information/account. 
XXXX. Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
Dear XXXX XXXX XXXX XXXX XXXX Credit Bureau ; I hope this correspondence finds you well. I am writing to formally challenge the inaccurate reporting of my account ( # XXXX ), which has been incorrectly listed as having a balance of {$1600.00}. This account was settled and paid in full approximately 4-5 months ago for the amount of {$660.00}, and I have provided substantial documentation to prove this.

Despite this, I was recently informed by a finance manager while shopping for a new vehicle that the outstanding balance remains on my credit report. Over the weekend, I verified that the account is still being reported as unpaid, which has adversely impacted my ability to secure new credit. This erroneous and outdated reporting constitutes a violation of several key consumer protection statutes under federal law. 
In particular, under the Fair Credit Billing Act ( FCBA ) and the Fair Credit Reporting Act ( FCRA ), this situation violates several provisions, including but not limited to : 15 USC 1666b : Requires creditors to promptly correct billing errors, including errors related to the amount owed.

15 USC 1681i : Obligates credit reporting agencies to investigate and rectify inaccurate information in a consumers credit report.

15 USC 1692g : Mandates that debt collectors provide consumers with written verification of debt when disputed, and cease further collection until the matter is resolved.

The reporting of this account is not only inaccurate but also inconsistent with the payment history, account balance, and all associated dates. The continued reflection of this account as delinquent is harming my credit profile, limiting my ability to access credit, and constitutes a violation of my consumer rights. 

I formally demand the immediate deletion of this account from all credit reporting agencies and the removal of any associated late fees. Furthermore, I request a thorough review of your reporting and records to ensure compliance with federal law. Failure to rectify these violations may compel me to escalate this matter through appropriate regulatory channels, as it has already caused undue harm to my creditworthiness and financial standing.

I trust this matter will be handled swiftly, in keeping with the professional relationship we have maintained, and I look forward to your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
XXXX reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2024-10-11 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: Kriya Capital, LLC
State: TX

Complaint narrative:
Credence Resource Management is reporting a collection account on my credit report, allegedly on behalf of XXXX XXXX XXXX. However, I contacted the original creditor, and they could not validate this debt. Additionally, I never received any correspondence informing me that a debt existed or that it was sold to a third-party collection agency, making this information untrustworthy and a violation of permissible purposes. 

I have never signed any agreement with Credence Resource Management, and your company has failed to provide documentation, including a signed agreement, forward flow agreement, my identification to verify the debt, or a license to collect it. 

Moreover, you are reporting inconsistent dates for the date of last activity, which is a violation of both the FCRA and FDCPA. I am requesting the immediate removal of this account due to lack of verification by the original creditor. I have attached an invoice for your violation, and payment, along with the deletion of the account, is expected within 30 days. Failure to comply will result in legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year> and XX/XX/year> I had three fraudulent charges on my debit card. First charge was XXXX purchase in the amount of {$2000.00}. Second charge was XXXX XXXX money transfer twice. {$2300.00} and {$1100.00}. I went into Chase bank branch and reported the fraudulent transaction. The claims department denied my claim twice. The claims department says those transactions were authorized even though they were not. Chase bank is holding me responsible for charges I had nothing to do with. They had me contact there executive office and still Chase bank is holding me responsible for the charges I did not make or authorize. Im very upset that Chase Bank isnt backing me up. Chase advised me to call the merchants. I called XXXX and they wouldnt refund the money. I called XXXX and found out the items that were purchased were XXXX XXXX XXXX gift cards. I called XXXX XXXX and they wouldnt refund me the money. My resolution have the money refunded to me as I did not make or authorize those transactions listed above.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
on XX/XX/XXXX i attempted to withdraw {$XXXX} from an ATM using my Venmo ATM debit card in XXXX, XXXX. unfortunately instead of recieveing my funds, the ATM in error did not disburse any funds. i initiated a dispute for the transaction through the venmo app. within XXXX days of initiating the dispute venmo XXXX and suspended my account through automated means. absolutely no valid reason in doing so. venmo sent an email stating " We have reviewed your account and believe you are engaging in XXXX or more restricted activities as described in the Venmo User Agreement. Specifically, that your use of our services has resulted or may result in disputes, claims, reversals, chargebacks, fees, fines, penalties or other liability to Venmo, other users, or third parties. 

In order to help keep Venmo a safe place for users to transact we will no longer be able to provide our services. '' in this case what this means is Venmo is claiming i am breaking their policy by enacting my consumer rights and disputing a transaction. venmo is delibarately violating consumer rights and Florida XXXX. 

I tried adding my debit card and bank account to withdraw my funds, I tried sending money to my wife aswell as withdrawing from the ATM, venmo XXXX and declined all of my attempts. 
i have requested venmo provide me a valid reason for restricting my account and locking my funds, i stated to them it is illegal to make provisional credit inaccessible. i lost my Wallet containing my ID and other debit cards in the disaster storm that struck XXXX this venmo debit is all i have right now and i need my funds asap. i have been a loyal customer since XX/XX/XXXX and have done nothing wrong by venmo. i am confused as to why i am being treated so horribly. i will now take legal action if need be.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2024-10-11 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: Informative Research
State: TX

Complaint narrative:
There are inquiries on my credit reports from mortgage companies that I did not authorize. I do not have an account with these companies and did not authorize them to obtain my credit credit report for any use.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-11 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: GATEWAY FIRST BANK
State: TX

Complaint narrative:
There are inquiries on my credit reports from mortgage companies that I did not authorize. I do not have an account with these companies and did not authorize them to obtain my credit credit report for any use.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Dear TransUnion / XX/XX/XXXX, I hope this message finds you well. Upon reviewing my credit report, I was alarmed to discover an account listed under my name as an " Authorized User '' that I never consented to or had any involvement with. According to the report, this account was opened on XX/XX/year> and is currently marked as Account relationship terminated. This account, which includes charge-offs and late payments, is not mine, and I have never authorized being added as an authorized user on any such account.

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 2024-10-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Olympic Collection Inc.
State: WA

Complaint narrative:
Hi, I was just contacted by a debt collection agency in violation of fdcpa. I missed the initial call and immediately dialed the number back. The answering party identified himself as " XXXX XXXXXXXX XXXX XXXX '' and asked me to identify myself. I asked again who he was and what this was about. He repeated the same information. This makes twice failing to identify himself clearly as a collections agency despite being directly asked and given the opportunity to answer clearly. This was highly suspicious and by XXXX the name and initials, I believe this to be XXXX XXXX of Olympic Collection Inc. who violated the fdcpa during this contact. I asked again directly what this call was about, after XXXX failed to identify the purpose twice. He then said it was a " personal business matter '' again a violation and refusal to clearly identify. Additionally I received this call at XXXX local time to me ( XXXX XXXX XXXX XXXX on XX/XX/year>. Fdcpa requires collectors to respect the contact 's local time zone, which again is a clear fdcpa violation in contacting me after XXXX local time to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: GOLDEN 1 CREDIT UNION, THE
State: CO

Complaint narrative:
On XX/XX/year> I received a fraudulent email that appeared to be from my insurance agent requesting the legitimate premium balance of {$8400.00} but had fraudulent wire instructions. The instructions were to wire these funds to Golden 1 Credit Union ( Routing Number : XXXX ) to the account of XXXX XXXX ( Account Number : XXXX ) which I did. I later learned that the insurance company never received the funds and discovered the fraud. My bank ( XXXX XXXX ) attempted to retrieve the wired funds from Golden 1 Credit Union but was informed that there were insufficient funds in XXXX XXXX 's account. 

XXXX XXXX, an account holder at Golden 1 Credit Union, is perpetrating federal wire fraud through his account at that institution.

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 2024-10-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 section 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 informationisinaccurate.

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