vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-03 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: Amscot Corporation
State: FL

Complaint narrative:
In accordance with the fair credit reporting act convergent account has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
A XXXX XXXX stole a check from me and cashed it for {$900.00}, citizens bank denied my claim saying that my signature matched others I wrote but XXXX XXXX had access to pertinent information including my signiture.who in their right mind would let me give a check knowing I would call the police and file a report and now there is an arrest warrant out for him.it doesnt make sense.he also stole my identity

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC.
State: DE

Complaint narrative:
Yesterday morning, XX/XX/2022, I tried to process two payments with my debit card from Citizen 's Bank, and they were denied. I called and the person told me that it was now unlocked ( Lie # 1 ). It was not as I tried it again later and it was still denied. I called again and spoke with someone different and they said it would be unlocked in 30 minutes. ( Lie # 2 ). I tried after 70 and it was still blocked. combined time between each of these calls both on hold and and talking to a representative for more than an hour.

I called back later that night and after 53 minutes on hold they said I could come into the branch with my ID or FAX my ID and two utilities bills. I explained that I was currently in XXXX and unable to either " stop by a branch '' and that I could fax copies of my passport and driver 's license but i would have no access to utility bills as I was in XXXX. The said they would call me back ( Lie # XXXX ). The did not. 

I called back again on Saturday, XX/XX/2022, and was told my debit card was locked because of a high risk of fraud. They reiterated the two options mentioned above and they seemed to not accept that either were viable. I have used my debit card for more than two years in XXXX as I split time between there and the US. The only real change in activity was that I was recently had been XXXX XXXX XXXX XXXX XXXX and a XXXX account was set up. The organizer 's sister then began to dispense the funds to me via XXXX. Otherwise there was no unusual activity. 

They said it was only my debit card that was blocked ( Lie # $ ) but apparently my whole account is locked as I had someone test transfer {$1.00} and that transfer was denied. I work part-time online and am paid via a XXXX transfer so I can no longer get paid. Additionally my state pension is direct deposited in this account and I am concerned that I will not be able to receive my state pension. 

In short, I am stuck in XXXX with no access to my funds as a result of this arbitrary and capricious decision to lock my account and any attempt to resolve it has been met by lies and incompetence.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.

Complaint narrative:
I contacted Chase bank when my ex husband of 18 months got involved in a romance scam for nearly {$10000.00} and I realized that I was still a co- signer on the joint account. He was handed my ATM card at mediation and should have taken me off the account. I had an account in my own name into which I get a paid a small SS payment. I contacted the bank beginning XXXX and they stated I could have a signatory card notarized to remove me or XXXX XXXX could write a letter with proof of ID to remove me. I moved to the XXXX after the divorce ( I have dual nationality ) so XXXX XXXX was asked to do this. My XXXX  went to the bank to confirm. XXXX XXXX has failed to take any action and the bank closed my single account with no notice. They tell me to call but no one has a landline to reverse charges internationally and there is a reluctance to converse by secure message and/or email. I am being punished by the bank for my ex XXXX  's stupidity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I.C SYSTEM is reporting a debt to the credit bureaus that does not belong to me. I am a Texas resident and have been the last 5 years. The debt I.C SYSTEM is attempting to collect on is a from Missouri utility company ( XXXX ). I do not live in Missouri and neither do I have business in Missouri. This collection account ( Acct : XXXX ) has really hurt my credit. I would like validation of this debt by sending me a original consumer contract with my signature on it.

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 2022-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
Hi, Recently XXXX XXXX merged with Citizens Bank. After their merger my XXXX account has been over drafted for the 1st time in 2 years even though my account was set to not overpay what I don't have in my account. So no negative balance and overdraft can happen. 

Now merged with Citizens Bank they purposely made me overdraft to collect that fee and something is fishy about the over all alignment of my deposit and what they say I had during that week and days of negative into overdraft. I tried to remedy with the bank before this point of an complaint and they dismissed me. 

Citizens Bank has been fined for doing this before : " Misappropriation of depositor funds In XX/XX/XXXX, the Consumer Financial Protection Bureau ( CFPB ) and other federal regulators levied nearly {$35.00} million in penalties against Citizens Bank " for failing to credit to customers accounts the full amount of their deposits ''. The regulators declared that, from XXXX to XXXX, " The banks actions resulted in consumers being shorted millions of dollars ''. [ XXXX ] [ XXXX ] Joint action by the CFPB, the FDIC, and the Comptroller of the Currency determined that Citizens Bank had engaged in " deceptive practices '' by " fail [ ing ] to give customers their full deposits at times when the size of the deposit didnt match the number written on deposit slips '', despite promising to correct such discrepancies, instead pocketing the difference. [ XXXX ] The bank was required to reimburse its customers for lost funds as well as pay roughly {$20.00} million in fines to the three agencies. [ XXXX ] The XXXX XXXX XXXXXXXX said that Citizens Bank 's misconduct " is appalling precisely because it is so basic '', demonstrating that " regulators like the Consumer Financial Protection Bureau are a necessary defense against a system prone to abuses ''. [ XXXX ] XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
In the Month of XX/XX/2022, XXXX XXXX XXXX Account Number XXXX XXXXeported a late payment to my consumer Report, In accordance with the fair credit reporting act XXXX  account XXXX  has violated my rights.

15 USC 1681 section 602 states i have the right to privacy.

15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : a creditor may not treat a payment on credit card account under an open consumer credit plan as late for purpose.

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 2022-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
I was a victim of Identity theft and I want this account to be removed. I have tried to work with the company and the credit bureaus to remove this but transunion refuse to conduct a proper investigation.

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 2022-12-03 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: CITIBANK, N.A.
State: FL

Complaint narrative:
Late payment showing on all three credit bureaus Amex/CBNA acct. XXXX XXXX XXXX XXXX  XXXX Macys/CBNA XXXX XXXX XXXX Retail acct. # XXXX In violation of 15 usc1681 section 602 I have the right to privacy 15usc1681 section 2-It also states a consumer furnish an account without my written instructions 15 usc1666b A creditor may not treat a payment on a credit card and open-end consumer credit plan late for any purpose

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 2022-12-03 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Late payment showing on all three credit bureaus XXXX acct. XXXX XXXX Bank of America XXXX XXXX XXXX XXXX Retail acct. # XXXX In violation of 15 usc1681 section 602 I have the right to privacy 15usc1681 section 2-It also states a consumer furnish an account without my written instructions 15 usc1666b A creditor may not treat a payment on a credit card and open-end consumer credit plan late for any purpose

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 2022-12-03 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MO

Complaint narrative:
Sps collected debt not owed or already paid

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc
State: DC

Complaint narrative:
My entire issue is with PayPal. 

The issue stems from XXXX PayPal accounts, based on email addresses : 1. XXXX ( my account, with no periods, the legitimate one I created in 2008 ). 
2. XXXX ( with a period between XXXX and XXXX, which is fraudulent that I did not create ; hereinafter, referred to " Account # XXXX ). 

Ive engaged on numerous occasions via email with PayPal, in which I've asserted that Account # XXXX was created by someone other than me. Furthermore, I've also made clear to PayPal that between the legitimate account, and Account # XXXX, there are different passwords, different sets and types of transactions, etc. You can review our communications in the XXXX PDF attachments I've included in this complaint. 

Part of the problem stems from the policy by XXXX that sees both of these addresses as the same email account- effectively ignoring the period. So while there are XXXX different PayPal accounts, all of the mail for both PayPal accounts goes to my one ( and legitimate ) XXXX address. 

The main issue, and reason for this complaint, is that PayPal sent their collection agency the email linked to Account # XXXX ; nevertheless, when the collection agency tries to contact the person that created Account # XXXX, the emails go to me, not the person that created the PayPal account. 

I have requested PayPal, as you may see in the attachments to this complaint, to provide the collection agency another method of contact for the person that created Account # XXXX, to no avail. The problem persists to this day, and I am legitimately concerned for this problem, as it could result in a debt collection process against me ( based on identity fraud ), and affect my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03 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 — Overcharged for something you did purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I booked a 3 day trip with American Express travel - booking confirmation # XXXX. AMEX XXXX 's stated costs for the trip were as follows : Total Trip Cost : {$600.00} - Room for XXXX nights : {$380.00} - Additional property fees : {$150.00} ( resort fees are due and payable at the resort! ) - Tax on the Room : {$68.00} AMEX billed the entire amount of {$600.00} - which included fees that were due and payable at the resort ( {$150.00} ). 

AMEX tried to suggest that the actual costs were : Room for XXXX nights : {$380.00} Estimated taxes and fees : {$220.00} Additional property fees : {$150.00} Total cost using AMEX logic : {$760.00} AMEX is flat out wrong. I confirmed with the XXXX hotel that the {$68.00} represents the actual taxes and fees for rooms. The {$220.00} in estimated taxes and fees includes the {$150.00} resort fees and taxes- which are payable directly to the hotel ( and should not have been charged by AMEX ). 

AMEX made a simple error and double charged me for taxes and fees that were also then collected by the hotel.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03 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: ALLY FINANCIAL INC.
State: VA

Complaint narrative:
My personal information was given out to unknown unreported inquirer and no information was given or no notice given. My account was used to give a creditor I had no Affiliations with inquiry to my personal banking. XXXX XXXX  abused length of account on my credit report.

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 2022-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
Recently had an annual subscription renew. Soon as the company sent me a receipt for the payment, I transferred money via XXXX to cover the expense. I used XXXX due to no local branches being in my general area. XXXX transactions are typically instant. However, this was not the case, the transaction ended up not being deposited till XXXX days later. This would have been still within the XXXX time frame of preventing a second overdraft for the same transaction. Even though the transaction shows deposited, the bank then flagged the transaction delaying it additionally and due to the delay charged me a secondary overdraft fee for not bringing the account to the positive within 7 days. I have tried calling the bank to resolve this, they're answer was even though their system delayed the funds when they tried to refund it the system would not allow. This has been a repeated issue with this bank and since each refund is listed as a courtesy refund, they say they are no longer able to process a refund on my account even though it was delayed at no fault of my own. Both the customer representative and the supervisor tried to give me the refund.

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 2022-12-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
I paid for a credit repair service. The person who repaired my credit disputed my Capital One spark account and it was closed for fraudulent activity. I called them to confirm it was NOT fraudulently and they told me after the investigation is completed I still will not be able to get my account back. No one was able to give me an explanation as to why I couldn't get my account back. Now I receive a letter in the mail saying they have confirmed it was my account and the activity was not fraudulent but still my account is closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03 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: Experian Information Solutions Inc.
State: DC

Complaint narrative:
I was a victim of Identity theft and I want this account to be removed. I have tried to work with the company and the credit bureaus to remove this but XXXX refuse to conduct a proper investigation.

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 2022-12-03 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: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
15 usc 1681 section 602 states I have the right to privacy 15usc 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 usc 1666B : A creditor may not treat a payment on a credit card under an open-end consumer credit plan as a late for any purpose

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-03 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: DE

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 

15USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plans late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Recovery Solutions Group, LLC
State: AL

Complaint narrative:
This company is trying to collect debt that is not owed. They say I owe XXXX on a loan and has called, texted and email me harassing messages many times about a {$12000.00} loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03 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: GA

Complaint narrative:
FCRA Violation personal information not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX public record not mine US BKPT CT 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
Consumer complaint received 2022-12-03 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: EQUIFAX, INC.
State: GA

Complaint narrative:
FCRA Violation personal information not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX public record not mine US BKPT CT XXXX XXXX

Company response to consumer: Closed with explanation