vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: REGIONS FINANCIAL CORPORATION
State: PA

Complaint narrative:
My employer uses XXXX for our payroll cards, XXXX makes it hard for us to do direct deposit with no instructions to do so, the app and website is confusing and not user friendly especially on a smart phone, I have reported fraud on my account they have been no help, I feel like I am being ignored, also they have numerous complaints on XXXX XXXX XXXX, this is a example of a company thinking that they are above the law.

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 2022-12-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Winklevoss Exchange LLC
State: CO

Complaint narrative:
I currently have cryptocurrency being held by Gemini Trust Company LLC in my " Gemini XXXX '' account. The amount is around {$100.00} at today 's prices. Gemini has frozen withdrawals from these accounts for over a month now. There is no timeline on when I can expect the funds to be released back to me. 

At this point Gemini is committing fraud and has outright stolen their customer 's money. Their business should be shut down so that they can not continue to steal customer 's deposits like they have from me and thousands of other Americans like me. Gemini should be forced into bankruptcy if they can not make their customers whole. This charade has gone on long enough.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Due to my understanding someone reported false information an false address an date of birth on my Equifax credit report cause my credit report be poor along with false information to harm my credit an long proving false information to credit card company denied my credit requests everything be removed off my report reporting false information to all XXXX credit bureaus company allowed to stop false information being reported with. Full disclosure an investigation need to file my name is XXXX XXXX XXXX XXXX XXXX XXXX what's on my identification an state issue identity card address fraudulent activity that someone use my personal information to uptain credit online illegally here is the supported document to support the claims an request to forward this to support my Equifax settlement i never received

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Atlanticus Services Corporation
State: PA

Complaint narrative:
I have sent several emails to this company informing them of XXXX XXXX XXXX that is now in automatic stay by the XXXX Court.I sent orders from the judge that was ignored and they continue to charge a XXXX percent interest plus adding late fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
On XX/XX/2022, i deposited a check in my captial one savings account, for the amount of {$3900.00}, the funds cleared on the XX/XX/2022. I checked my account on XX/XX/XXXX and noticed that i was not able to do anything with my funds, Captial One is holding my funds until they verify the check with the company, they have tried to get a hold of the company several times. it has been XXXX days since i deposited the check. If anything was wrong with the check it would've came back as such by now. The company that wrote the check does not have direct calling to verify checks they have issued. It has nothing to do with me. The check has cleared.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-12-17 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I received emails stating a new online checking account had been created in my name. I contacted the bank right away because I did not open any new bank accounts. I was informed by the fraud department of the bank that my name ssn birthdate was used to open the account. I was not given documentation that the account was closed. Just a verbal confirmation. I spoke with XXXX from Bank of America. I was told the account was empty- not funded yet. He did send a link by email of what to do when affected by identity fraud. that is all the communication I was given. received another email the next day from BOA asking to confirm email. I did not confirm the link.

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 2022-12-17 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: EQUIFAX, INC.
State: FL

Complaint narrative:
File ftc report already on identity theft and fraud to all three credit bureaus they have refused to removed XXXX hard inquiries on my Equifax and XXXX report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I opened the Capital One XXXX. They had an advertisement that I am pre-approved for a XXXX XXXX XXXX. I was just curious what the terms were and how much the credit limit offered would be. Before that I checked the same with the XXXX XXXX. It was super easy and they provided me the details of the product and then asked if if am ready to begin the actual process. I was not ready to actually apply I was just researching. However, just following the prompts in the process I accidentally applied for the XXXX XXXX XXXX XXXX I did not intend to do that. I believe the prompts were a little confusing. Once I realized what has happened I immediately called Capital One and canceled my credit card. However, they also ran a hard check on my credit score and that had a negative impact on my credit score. I called Capital One to get further details and explain that their process is a little confusing. They need to change the credit card application process and make it clear that you are indeed applying for a card and that there would be a hard check on your credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
The accounts they have on file are incorrect and they are affecting my personal life, my workplace, my access to insurance, and all of these have put me in unsafe and terrible living conditions. My ex wife and child is now being effected by these false items on my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17 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: FL

Complaint narrative:
File ftc report already on identity theft and fraud to all three credit bureaus they have refused to removed XXXX hard inquiries on my XXXX and TransUnion 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 non-monetary relief
Consumer complaint received 2022-12-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am writing on behalf of my mother ( written consent attached ). On XX/XX/2022, my parents got an email from Chase notifying them that there was less than {$50.00} in their checking and savings account. After logging onto their account, they noticed several unauthorized transfers from their checking and savings accounts totaling more than {$23000.00} that occurred on that same day. They called Chase immediately and told them that did not initiate any of those transfers, and requested the bank to put a stop to it. Chase was unable to do so, and stated that the person who made those withdrawals must have had my mother 's personal information because they listed my mother as their co-signer. At the bare minimum, Chase should have flagged those withdrawals and asked my mom for confirmation if it was truly her making those transactions, but Chase allowed those withdrawals to occur without any notification other than their account holding less than {$50.00}. 

They then informed my parents that they can not refund any money until they investigate and that they will mail out the fraud paperwork for my parents to fill out. In the interim, my parents notified the FTC about the fraudulent activity. XXXX week later, my parents ' still haven't received any paper work, but the claims department stated that they mailed it out on XX/XX/XXXX. My parents went to XXXX different local branches asking for assistance and XXXX rep was able to pull up the paper work and fill it out. My parents then filed a police report on that same day ( XX/XX/XXXX ). They then received a letter in the mail from Chase ( which wasn't the fraud paperwork ) stating that the transactions were indeed authorized by my mother since her personal information was used as cosigner, but they neglected to tell us how they came about this conclusion or how they investigated all of this to deem my mother responsible, How this individual obtained her personal information is beyond us, as my parents don't engage in any suspicious calls, emails or texts. 

Under the Electronics Fund Transfers Act, individuals are not held responsible for any unauthorized electronic transfer as long as they notify the bank within 60 days. My parents notified Chase on the same day the incident took place. Chase not only neglected to notify my parents of the fraudulent withdrawals, but they failed to act on it promptly, and refuse to take responsibility for their negligence. My parents have taken all the required actions on their end, notifying the bank promptly, notifying the FTC, filing a police report, and filling out the required fraud paper work that Chase never even managed to mail to them. It is clear that Chase Bank should be held accountable for the funds that were fraudulently stolen from my parents account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Due to my understanding someone reported false information an false address an date of birth on my XXXX credit report cause my credit report be poor along with false information to harm my credit an long proving false information to credit card company denied my credit requests everything be removed off my report reporting false information to all 3 credit bureaus company allowed to stop false information being reported with. Full disclosure an investigation need to file my name is XXXX XXXX XXXX XXXXXXXX XXXX XXXX what's on my identification an state issue identity card address fraudulent activity that someone use my personal information to uptain credit online illegally here is the supported document to support the claims an request to forward this to support my XXXX settlement i never received

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 2022-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Due to my understanding someone reported false information an false address an date of birth on my XXXX credit report cause my credit report be poor along with false information to harm my credit an long proving false information to credit card company denied my credit requests everything be removed off my report reporting false information to all 3 credit bureaus company allowed to stop false information being reported with. Full disclosure an investigation need to file my name is XXXX XXXX XXXX XXXX XXXX XXXX what's on my identification an state issue identity card address fraudulent activity that someone use my personal information to uptain credit online illegally here is the supported document to support the claims an request to forward this to support my XXXX settlement i never received

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 2022-12-17 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: CITIBANK, N.A.
State: GA

Complaint narrative:
Hard inquires are reporting on my credit that I did not authorize.

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 2022-12-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Violating 15 USC 1692e, sent validation of debt letter to original company. Per the " 8 Parts to a Lawful Contract '' this debt was never accurately validated as mine. All I received is statement of account, presumptions and assumptions and threat of a civil lawsuit. I specifically asked to see a valid contract with both parties signatures and didn't receive. I have given more than enough time since I sent my first attempt at verification months ago. If there is no valid contract then how can you attempt to sue on a presumption? I have spent many awake and sleepless hours of my time on this matter and I should receive compensation for my time and postage.

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 2022-12-17 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: MI

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX  XXXX XXXX card and XXXX XXXX XXXX XXXX XXXXXXXX XXXX accounts was open fraudulently. Heres my police report to go with my ftc report to have theses accounts removed or blocked.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL

Complaint narrative:
I suppose to receive my XXXX settlement check an other settlement due to data breach settlement from XXXX an XXXX due me being reported deceased illegally an my personal information was exposed incorrect never received anything from nobody lost savings bonds account never tried to notify me credit company had my name incorrect someone using my account or using my personal information to uptain credit loans I requested a full disclosure never received it like the credit bureau toke some stuff off the report I requested everything in my name or use in my name from XXXX trough 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 2022-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
Macys account reporting on credit report. Macys charged off account and did not provide a cancellation of debt and is reporting the account past due which violates the 15 usc 1681 eb fair reporting act. 

Account balance {$2100.00}

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 non-monetary relief
Consumer complaint received 2022-12-17 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
In XX/XX/XXXX, I was notified that the in-school deferment of both of my loans serviced by Navient would expire at different points in XXXX. I knew that this information was incorrect according to previously agreed upon terms of those loans, I was eligible for 48 months of in school deferment. In school deferment for both loans were first applied in XX/XX/XXXX and therefore should not expire until XX/XX/XXXX, without even considering a grace period. 

From XXXX to mid XXXX, I have contacted Navient in every means possible to try to update and correct this information. They have failed to do so. But over the course of several months, they have offered a variety of different reasons why they are unable to look further in this matter. Several times, I have been told that the reason for upcoming expiration is because in school deferment had been used under a previous loan provider. This is not true. So I have asked for evidence of their claim. They are not able to provide any. 

At one point, I requested the documents to them by the previous loan provider. They did send this to me. It is clear based on those documents that they have access to, that there was never in school deferement applied to the loans prior to the date that Navient started servicing the loans. They also, likely have access to the original promissory document that stated that I agreed and started paying back the loans immediately when they were disbursed the only other time that I was in school from XXXX to XXXX. 

For some reason, Navient is under the impression that when I was originally in school prior to XXXX, I had in school deferment applied to my account. I did not. Perhaps this is an human error that has happened somewhere over the years but since this has been pointed out nearly 90 days ago, Navient has been unwilling to rectify this issue. 

The documents that I attached are a portion of the batch of of files that Navient sent me. They are the previos lender account history. The months attached reflect the only other time that I was in school XXXX to XXXX and it is clear in these documents that I has being billed and paying my student loans. In school deferment was not applied to my account then.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-17 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: GA

Complaint narrative:
Equifax announced a data breach that exposed the personal information of 147 million people. I am a victim of identity theft as a result of the Equifax data breach. 
This data breach has caused my information to be released on the dark web and is hindering me from moving forward with anything credit related ( i.e establishing new credit, buying a house/car, getting utility bills, etc ). My information was incorrectly used which is a violation of my fcra rights.

Company response to consumer: Closed with explanation