vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I submitted a previous claim ( XXXX ) in XX/XX/2023 that Citi was holding funds that had been transferred into my savings account due to suspected fraud. They responded saying that there was nothing they could do and the account would be closed in 30-60 days and the funds would be returned at that time. I was not pleased as they had no evidence whatsoever of fraud taking place and this seemed like a heavy handed tactic to hold my funds but there isnt much you can do with a big bank like Citi. The first letter I received was dated XX/XX/2023 - it has been well past 60 days and Citis customer service has only given me the runaround on closing the account and sending the funds. I received another letter today dated XX/XX/2023 that is exactly the same as the letter I received in XXXX. Does this mean that Citi is trying to hold my funds another 60 days under false pretenses? I will also be writing to my Representative to help the government understand how much power these big banks hold without any regard to everyday hardworking Americans.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
On XX/XX/23, I received a CapitalOne credit card in the mail that I did not apply for. I called CapitalOne fraud department to report it as fraudulent. They said they would investigate the fraud claim and report the findings within 90 days. They would not keep the account from being reported to the credit bureaus, but said they would inform the credit bureaus of the results of the investigation. I did not open this credit card and I do not want it to be reported to the credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-21 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: NY

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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX  : acct XXXX XXXXXXXX, Account name : XXXX XXXX  : Accct XXXX XXXXXXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 pers on knows or has reasonable cause to believe that the information is inaccurate.

Also they aren't even in compliance with metro 2 credit reporting.

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 2023-06-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
There is a debt from XXXX XXXX care for XXXX / from XXXX / I did not visit XXXX XXXX XXXX in XXXX I have insurance and if so a portion would have billed to our primary and secondary insurance/ I can find no record of XXXX XXXX XXXX  please advise

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
My vehicle began to malfunction after I had taken it to a car wash on XX/XX/XXXX. The guy that detailed under the hood mustve wet something because ever since my check-engine like was on and my vehicle stopped in traffic twice moments after. Long-story short I towed my vehicle to Kia Dealership XXXX LA the very next day. It has been three weeks since and they claim they dont know what the issue is but will work on it. Then they start throwing prices at me about the fact they even hold my vehicle in storage. Mind you it has been hard to get in contact with who they claim is responsible with my service and when I finally do ( which is 3 weeks later ) he says hes been out. Im not sure how it works but how was my vehicle assigned to someone thats been out? My overall complaint is the unexpected fees charged to me because my vehicle was held in storage. No fees of which I was informed about. I canceled their services in week three and they say itll be {$220.00} dollars. For what? And then I just today find out I was entitled to a rental car until my car was fixed but no person informed me. Even so the services was so poor I would rather tow it elsewhere and have my uncle work his magic. Truly their service is horrendous. ~Kia XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Today is XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: KEYCORP
State: NY

Complaint narrative:
On XX/XX/XXXX I clicked on an Ad on XXXX that advertised XXXX XXXX backing XXXX XXXX XXXX XXXX. It looked like a legitimate website, but after purchasing, it seemed fishy. I received a confirmation email from " XXXX  XXXX XXXX, '' and one said it would show on my credit card as " XXXX XXXX XXXX. '' They other charge on my card said it would be from " XXXX  XXXX XXXX. '' I called KeyBank on XXXX XXXX, XXXX to say I wanted to cancel the purchase because something didn't seem right. They said to wait to see if I receive the item. 

I did receive a bottle of Keto Gummies. I received one a month later as well, even though there wasn't auto purchase set up. When looking at my credit card later I noticed that there were strange charges on it. 

XX/XX/XXXX : XXXX XXXX XXXX XXXX- {$38.00} XX/XX/XXXX : XXXX XXXX XXXX- {$140.00} XX/XX/XXXX : XXXX XXXX XXXX- {$130.00} XX/XX/XXXX : XXXX {$140.00} XX/XX/XXXX : XXXX XXXX XXXX- {$130.00} I didn't make any of these purchases, nor did I receive anything. However, the bank denied my dispute TWICE because they said it had my information, email and address on file. ( Probably because I ordered the keto gummies prior to this ) The bank said they had tracking numbers from USPS associated with the orders. 

For the orders that were : XXXX and XXXX, the USPS tracking number was : XXXX. 

For the one that was XXXX the USPS tracking number was : XXXX. 

When looking up these numbers the website says " Label created, not yet in system. '' When looking up what this meant, it says that someone has made a label, and it can be independent businesses, but has never been dropped off at the post office to be mailed. The message is the same after 7 months. 

Furthermore, when I started looking into the keto gummy scam, the following websites gave me more information. 

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  KEY BANK CLEARLY DID NOT INVESTIGATE THIS DISPUTE LIKE THEY CLAIMED THEY DID.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: U.S. BANCORP
State: VA

Complaint narrative:
On XX/XX/XXXX, I purchased a variable-load prepaid XXXX debit XXXX ( issued by XXXX Bank XXXX XXXX person at XXXX XXXX XXXX XXXX of XXXX ) for the amount of {$500.00}. 

On XX/XX/XXXX, I called the phone number on the back of the card to confirm the available balance & reset the PIN : XXXX. The XXXX routed my call to a XXXX agent. Agent informed me the card was blocked & funds frozen because it was compromised and the next steps for a replacement card. The agent directed me to https : XXXX to upload a set of required documents. 

After the call, I uploaded the required documents ( store receipt, images of the prepaid card and my photo ID ). 

On XX/XX/XXXX, I called for the status of my replacement card & informed there were issues with the images. I called back several times because it hard to understand the issues- in particular, the documents that were missing or incomplete. Agents advised me to upload the documents. 

I was unable to upload the documents to the website. I used XXXX and XXXX XXXX browsers and XXXX XXXX & received the same error message on the first screen ( entering basic information of Gift Card number, barcode ). 

https XXXX XXXX  After several calls about the issues uploading images, I spoke to a manager that advised faxing the documents to XXXX. 

On XX/XX/XXXX, I faxed the documents again using XXXX XXXX app ( Mobile Fax ). On XX/XX/XXXX, I called to confirm receipt of the documents. The XXXX agent informed me there was no update and to call back. When I asked her the fax number, she told me XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: PENTAGON FEDERAL CREDIT UNION
State: CT

Complaint narrative:
In XXXX XXXX, I opened a credit card account at Pentagon Federal Credit Union ( Pen Fed ). 

However, I did not receive any mailed invoices from Pen Fed. 

When I went online to view my account in XX/XX/XXXX, I noticed Pen Fed billed me their annual fee in XX/XX/XXXX, my first month. 

Therefore, Pen Fed submitted a 30 day late to the credit rating companies. 

I am a high net worth person, and it is absurd that my credit rating has been penalized for a {$95.00} annual fee charge because of this 30 day late. 

I rarely used this credit card and XXXX  had caused mail problems in our region. 

Then, then same thing happened in XX/XX/XXXX. 

So now, Pen Fed submitted two 30 day lates to the credit agencies.

Pen Fed refuses to change their submissions, which I feel does not consider the fact that Pen Fed never informed me that my invoices were only available online.

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 2023-06-21 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX has violated my rights. 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 : States a consumer reporting agency can not furnish an account without my written instructions.

I never gave my written consent for the furnishing of this account. We will pursue {$1000.00} for this violation if the account is not 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 explanation
Consumer complaint received 2023-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I have been a victim of identity theft this has been an ongoing problem over the past few years I had alot of fraudulent inquires from someone trying to obtain credit in my name aswell as several credit accounts opened in my name when this came to my attention I filed police and identity theft reports and I submitted a dispute with the 3 Major credit bureaus transunion XXXX and XXXX and requested this information be blocked from my credit file Of those XXXX disputes XXXX and XXXX have since blocked this information and transunion sent me a letter stating they would not remove the XXXX inquires and block the fraudulent accounts opened from identity theft even though I submitted all the documentation required by federal law to have them do so.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-21 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:
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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXX XXXX acct XXXX XXXXXXXX, Account name : XXXX XXXX  : Accct XXXX XXXXXXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 pers on knows or has reasonable cause to believe that the information is inaccurate.

Also they aren't even in compliance with metro 2 credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
XXXX calls me XXXX times a day. Today 7 times in a row. I have resolved the billing issues ( they stoped auto payments ) although it is not due to my fault. They called me 7 times in a row today and can be seen in the attached call logs.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-21 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: NC

Complaint narrative:
I sent my letter off on XX/XX/2022. I told the credit bureau to " investigate every piece of information '' on the accounts I have listed below. There are still inconsistencies with payment history on these accounts. 

XXXX XXXX # XXXXXXXX XXXX XXXXXXXX XXXX # XXXX Also, I have attached the letter I sent out and the certified mail receipt. 

According to the FRCA, the term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's 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. Transunion has not conducted any such interviews. 

They stated my accounts were verified but how is that possible if they did not do a proper investigation according to the law. Also, every piece of information on these accounts is still not reporting 100 % accurately. According to the FRCA 15 USC 1681 everything has to be 100 % Accurate. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX # XXXX, XXXX  XXXX XXXX # XXXX have violated my rights. 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 States : A consumer reporting agency can not furnish an account without my written instructions. 

I never gave my written consent for the furnishing of any of these accounts on my credit report. 

In a good faith effort to resolve this matter amicably, I restate my demand for proof of my written consent, specifically the alleged contract or other instrument bearing my hand-written signature. Absent such proof, you must immediately and permanently delete the accounts in question. 

These accounts are inaccurate, unverified and furnished on my credit report without my consent. This violates my rights. Either provide proof and verification or permanently delete the accounts 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 2023-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed 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 explanation
Consumer complaint received 2023-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus dated XXXX but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 


Please correct these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
Today, I received an email from a company called XXXX XXXX, a debt collector trying to collect a debt to LVNV Funding LLC. I clicked on the email to find that the debt is for {$130.00} and the original creditor was XXXX Bank with an account number ending in XXXX. The address they have on file is XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX. I have never lived there nor have I had that account or any accounts go into collections in 2015. I am not sure if this is a mistake or if I am being targeted for identity theft so I have been afraid to contact them and give them my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: CA

Complaint narrative:
This company, Harris & Harris, call me at least 3 times a day, everyday, about some kind of debt that I owe. I told them I do not owe anyone a delinquent debt and too stop calling me but they keep calling me. Please have them stop harrassing me! These calls have been going on for over a year! 
There has to be a law against these companies. They're phone number is ( XXXX ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 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: USCB Corporation
State: OH

Complaint narrative:
I been asking the companys to help me remove stuff I got my information stolen from me I would call to see whats going on and they would tell me not enough information on the account or the information I have doesnt Match or they sold my information to a 3rd party

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