vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-19 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: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
On XX/XX/XXXX my account was logged into by an unknown person. I received numerous messages that someone was attempting to log into my account and eventually that they had successfully logged in. They transferred money four different times using XXXX  for the amounts of {$300.00}, {$300.00}, {$300.00}, and {$100.00}. Later on XX/XX/XXXX my account was used again in an unauthorized purchase of about {$1100.00}. Fortunately the {$1100.00} was returned to me on XX/XX/XXXX as it had never fully processed. However, the money that was transferred via XXXX has not been refunded to me in over five months. I have disputed the charge over and over and have been shut down each time. Whenever I go in person to a Fifth Third location I am told that it was obvious I was hacked and my money should come back to me within thirty days. This has not happened yet as Fifth Third claims I was sent codes that I used to authorize the transfer on money via XXXX but I never was. I have tried explaining this many times but it seems like they dont care to listen, especially the disputes office.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: USCB Corporation
State: IL

Complaint narrative:
I have 2 debt collections creditors for the same debt amount. This is being paid to the original creditor. The amount this debt collector has listed is incorrect.

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 2023-07-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: FIRST CITIZENS BANCSHARES, INC.
State: GA

Complaint narrative:
I wanted to open a high yield savings account after we made proceeds from a XXXX  home sale so we could grow that amount to help purchase our dream home in XXXX  in a couple of years. I researched various banks and products and decided that the CIT Savings Connect best met our needs with 4.6 % APY and mobile banking/check deposits. I applied online during lunch today, XX/XX/2023, during XXXX weeks of military duty from my govt computer. I entered all the information and submitted all of my sensitive data including occupation and Social Security number, etc. Seconds later I got a screen saying, " Unfortunately we are unable to open an account for you at this time. Thank you for your recent application for a CIT bank account. We regret to inform you that after a thorough review of your application, we have elected to not open a bank account for you at this time. Thank you for considering CIT Bank. '' No other explanation at all, and I have phenomenal credit -- around XXXX currently. XXXX XXXX XXXX I called the CIT customer service and she told me that it typically happens if there was a work computer or VPN involved. Itold her I used my .mil computer and she said that if I used my phone or personal laptop it would accept it. A few minutes later I did exactly that -- and got the same error message. Again with no explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My name is XXXX XXXX. I am writing for Transunion to remove outdated information. Please remove the XXXX XXXX XXXX XXXX  account XXXX in the amount of {$3900.00}. As of XX/XX/2023 this item needs to be removed, for XXXX years that this has been on my credit file. Please update my credit file and send an updated copy of my credit file with the deletion of this record.

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 2023-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I reached out to XXXX in XXXX of 2023 to inform them I was suffering from financial hardship and I needed an extension on my mortgage payment. I was told I needed to fill out an application and it would take XXXX business days for them to process the request to determine IF I was eligible for assistance. Consequently XXXX reported a 30 day late which is unfair considering I reached out to them and asked for help. All calls are recorded for quality assurance and training purposes. I defer and request they pull the calls for review. I was transparent and asked for help to avoid the 30 day late and since I have paid all of my payments within the grace period provided. The process should not take XXXX business days to approve when clients need assistance right away.

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 2023-07-19 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: TX

Complaint narrative:
This inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.

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 2023-07-20 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: TX

Complaint narrative:
I did not initiate these Accounts and I believe they are fraudulent.

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 2023-07-19 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to dispute the account referenced XXXX XXXX XXXX XXXX. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FCRA, I have contacted the creditor myself and have been unable to get them to verify that this is indeed my debt. You are also reporting the date last active was XX/XX/2023 when this is incorrect. The XXXX is critical when dealing with the statute of limitations and I believe your company as well as the collection agency knows this and that is why you illegally updated the date last active. I dispute your claim and I requested validation from XXXX pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ) and received nothing. I enclose copies of my requests to the creditor as well as the credit reporting agency, asking them to validate my debts, and the receipts showing that I sent these letters certified signature requested. This debt is not mine and I was given no evidence of my obligation to pay this debt. Stop reporting this information on my credit report for failure to legally verify. Please see the attached letters which are dated and time stamped.

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 2023-07-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/2023 I made it I deposited two checks that equal to the amount of XXXX. Without knowing I could not deposit a check that had my grandmothers and boyfriends name at the time, even though it also included my own name, which led to my account being shut down, and now that money is currently being held in a subledger, so the three of us that were named on the checks of time a deposit, when inside a branch submitted evidence that the checks belong to us and submitted that evidence so we could have the money released back to us. Unfortunately weve been getting the runaround for over three months and that money is still being held within the Citibank subledger. We would like that money to be released back to us since we submitted evidence that are belong to us, and the three of us appeared in person into a branch.

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 2023-07-20 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: Aqua Finance, Inc.
State: CA

Complaint narrative:
Aqua Finance marked my account as 30 days late in XX/XX/2023. From XXXX XXXX XXXX Aqua Finance was a Line of credit which I signed a contract as and I was make more than the minimum payment often times covering more than one months payment. Then in XXXX of XXXX  they closed that account and opened a new account as a revolving credit without my approval. I was still making more than the minimum payment. I have documentation that shows on XX/XX/2023 I paid {$150.00} which was XXXX months payment and XXXX payment. Then on XX/XX/2023 I paid {$300.00} which was XXXX monthly payment and XXXX monthly payment. So as you can see I was never late. When I spoke to the costumer service rep on the phone today, XX/XX/2023, the rep did not listen to what I was saying and talked over me. When I asked to speak to a manager he put me on hold for 20 minutes and came back and told me that no manager was available to talk to me. He did not listen to what I was saying as I tried to explain this. 
If I was late I should have received emails with my statement saying late since I am paperless, I never received anything stating that. I have phone records that also prove they never called me either. I have always paid and more than the minimum.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 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: Nicholas Financial Inc.
State: GA

Complaint narrative:
I want to emphasize that I have not applied for any credit or services offered this company nor have I granted permission for them to access my credit information. Therefore, the inquiry ( s ) made by this company are unauthorized and potentially damaging to my credit score and financial reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
First of All, Im not sure if I have put the correct category.

That being said, I wanted to file a complaint against CHASE BANK. They LED me to believe I could buy a car through their network of car dealers and then I would apply for an auto loan and get my APR. 

I have included many screenshots of what I am about to state... 

On XXXX I applied online through CHASE BANK for a soft/pre approval XXXX loan. I was pre approved for XXXX. 

Then today, XXXX, through the CHASE email that stated I was pre approved, I clicked through by clicking on CHASES " shop for your car '' BLUE BUTTON believing that I was using the network of dealers who work hand in hand with CHASE.

At that point Im wondering whats the APR? Well, I have to find my car and price online and then CHASE would ask me some financial info like, down payment, terms and of course the cost of this car. So, I then hit the CHASE " shop for your car '' BLUE BUTTON where I proceeded to put in my car choice, XXXX XXXX XXXX. Then up popped a few selections and I found a car I liked at a price ( MSRP {$25000.00} ) I was willing to pay and finance AT CHASE.

Everything was good at this point, I just needed to know what the APR was at CHASE. They needed more info from me, so I was great, im ok with a HARD CREDIT PULL, since I like what I saw. 

I clicked through the CHASE " get prequalified '' BLUE BUTTON and gave them my info. 

At this point I cant show any more SCREEN SHOTS since that required another HARD CREDIT PULL -- but I did fill out all the info CHASE needed -- like how much was i willing to put as down payment, ( i said {$10000.00} ) and asked for a loan up to {$20000.00} which should be enough to cover the MSRP {$25000.00} + TAX and some XXXX fees and I put my terms as 60 months. Now with this HARD CREDIT CHECK i should get my APR % AND MONTHLY PAYMENT AMOUNT.

So I got approved for the {$20000.00} at the terms at 6.64 % on APPLICATION ID XXXX and they state I was to contact their dealer- XXXX XXXX. 

I did just that right after the I got the email. BUT THEIR was a problem at XXXX XXXX. They state that the price on the internet wasn't {$25000.00} ( see screen shot ), but they have a Market Adjustment Fee of {$2500.00}. that was NEVER MENTIONED anywhere on the internet and had I known this {$2500.00} Market Adjustment Fee was being charged I would have done a HARD CREDIT CHECK with CHASE.

So I proceeded to call CHASE on the phone to let them know they led me on with all these links only to be duped, BUT when I asked the auto loan gal to remove the HARD CREDIT CHECK, they said THEY CANT REMOVE IT?? 

So here I am filing this complaint on CFPB website.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 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: CA

Complaint narrative:
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 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 account under an open end consumer credit plan as 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 2023-07-19 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: AL

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 information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: IN

Complaint narrative:
Midland Credit Management has engaged in a series of retaliatory and derogatory measures ( Account in Dispute ) status updates with all three credit reporting bureaus in order to avoid regulatory compliance requirements. Moreover, there is no record of this debt on the Midland Credit Management website ; XXXX is the account and {$560.00} is the purported amount. In the spirit of fairness, and irrespective of how I have been treated, I am willing to negotiate a payment for deletion of this record, and the amount I believe is fair is 30 % of the original amount of {$560.00}, given that I am NOT admitting to ownership yet feel this is the only recourse I have to remove it since MCM will not remove it anyway.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
Although Citi has now lifted the security hold on my account, they are still fraudulently holding my funds without my permission. Ive made multiple attempts to wire the balance in my checking account to my other account with XXXX. They claim that they can not complete the wire because they have to call me to confirm the wiring instructions, but their automated dialing system cant call my number because its not associated with a public record. This makes XXXX sense. They were happy to take my money but are now refusing to release it. They are in violation of XXXX. I am closing on my new home on XX/XX/XXXX and am in jeopardy of losing my new house and {$5000.00} in XXXX money if they dont complete the wire that Ive instructed them to. Id love to do a simple transfer instead, but they only allow XXXX in transfers every 30 days and this transaction is over XXXX. I spent hours on the phone again yesterday and today trying to get this resolved. They wont accept my authorization over the phone and insist they have to call me to verify the wire, even though they know full well that their system cant make the outbound call. They refuse to manually dial my number like a reasonable human would do in this scenario.

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 2023-07-19 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: TX

Complaint narrative:
XXXX XXXX XXXX is reporting a account as a Repo and this account is A fraudulent account I have wrote them letters plenty of times and have never received a response from them.

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 2023-07-19 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: Sensible Auto Lending, LLC
State: GA

Complaint narrative:
I want to emphasize that I have not applied for any credit or services offered this company nor have I granted permission for them to access my credit information. Therefore, the inquiry ( s ) made by this company are unauthorized and potentially damaging to my credit score and financial reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 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: SECURITY FINANCE CORP
State: GA

Complaint narrative:
I want to emphasize that I have not applied for any credit or services offered this company nor have I granted permission for them to access my credit information. Therefore, the inquiry ( s ) made by this company are unauthorized and potentially damaging to my credit score and financial reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lewis, McDonnell & Associates
State: GA

Complaint narrative:
I assert that your agency 's actions in attempting to collect this debt have violated my rights under the Fair Debt Collection Practices Act ( FDCPA ) and other relevant consumer protection laws. The following violations have been observed : 1. Agreement bearing my signature, Verification and validation of the alleged debt, including the original creditor 's name and contact information, the account number, and a detailed breakdown of the alleged charges.

2. A complete account history, including the date of the alleged delinquency, any payments made, and any additional charges or interest accrued since the alleged default.

3. Copies of any communication or documentation sent to credit reporting agencies regarding this debt.

Your agency is required by law to provide this information and fully comply with the FDCPA regulations. You have Failed to do so and will be considered a violation of my rights, and I will take appropriate measures to address these violations.

Lack of Verification : Despite my multiple requests for verification of the alleged debt, your agency has failed to provide substantive evidence validating the debt 's authenticity.

False or Misleading Representations : Your agency has made misleading statements and threats regarding legal actions and negative credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 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: PA

Complaint narrative:
See the attached documents. I want the bureau to start teh investigation on these accounts on these accounts. I am never been late in this account.

Company response to consumer: Closed with non-monetary relief