vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
XX/XX/2022 - Interview Invitation received from XXXX XXXX using email XXXX XX/XX/2022 - Interview was held on XXXX - point of contact " XXXX XXXX XXXX '' - XXXX ID XXXX : XXXX - Offered employment and emailed employment agreement and documents to complete and return. 
XX/XX/2022 - Informed needed to pay fees for software and equipment for home office and would be fully reimbursed- was provided a Reimbursement Agreement contract document and emailed a " Start Up '' check that was to be reimbursement. Instructed to print and deposit check via banking app. 
{$550.00} XXXX transfer for software licensing. 
{$950.00} XXXX transfer for office equipment and materials {$850.00} XXXX transfer for overnight shipping service for office equipment and materials XX/XX/2022- Message received the company will be emailing a check of {$5500.00} today to complete all general payment including the Tax and Clearance fee for working materials- asked to make yet another a payment of {$1500.00} with personal funds and that would be reimbursed with another startup check before the end of the day. 
This was too much. Bank of America was immediately called at this time and a complaint filed, Claim # XXXX - requested action be taken to recover my money. Bank of America has not provided any follow up even though the full information of what transpired and how it was conducted has been submitted in support of complaint. The bank put a stop payment on the check that was deposited as instructed resulting in {$0.00} reimbursement. 
Complaint filed with FTC. 
Report number : XXXX Thank you for filing a report with the Federal Trade Commission and helping to fight fraud in your community. 
The FTC does not resolve individual reports, but your report will be entered in the FTC 's Consumer SentineXXXX database and will be available to federal, state, and local law enforcement across the country. 
XX/XX/2022 - Bank of America reversed the mobile deposit of {$2400.00} stating a stop payment was made on the check on XX/XX/2022. Notice of returned item received via USPS - notice is dated XX/XX/2022. 
XX/XX/2022 - Emailed to the " vendors '' requesting immediate refunds. No responses. 
XX/XX/2022- XXXX message to " XXXX XXXX XXXX '' - " Refund my money immediately '' - no response.

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 2022-07-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIZENS FINANCIAL GROUP, INC.
State: MD

Complaint narrative:
I recently took over as XXXX for my Mothers accounts .. My mother had XXXX  for last few years.. Im looking over statements I noticed 2 very large balance transfers These occurred during my mothers XXXX periods.. I informed Citizens Bank that my mom would have not done these transactions & that I believed then to be fraud.. 
I put in a fraud dispute Citizens Bank told me that I HAD to continue making minimum payments and also charged my Moms card a LATE FEE and RESTRICTED use of the card I told them I only wanted the matter investigated And that I didnt want the cards restricted.. 
They told me I HAD to make MINIMUM payments in order to have card operable And if I didnt make MINIMUM payments, my moms credit report/score could be affected I told them this sounded totally WRONG, as I dont believe my Mom should pay 1 dime towards fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 Section 602A states I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2 states a consumer reporting agency can not furnish an account without a written consent.

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 2022-07-22 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:
In Accordance with the Fair Credit Reporting Act .... XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX Acc # XXXX Has violated my rights. 15 U.S.C 1681 Section 602A : States I have the right to Privacy. 15 U.S.C. 1681 Section 604A 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 2022-07-22 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX - XXXX l has violated my rights. Under 15 U.S.C 1692 b ( 2 ) ; Under 15 U.S.C 1692 b ( 5 ) and Under 15 U.S.C 1692 c ( a ). Also 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 an account without my written instructions. 
Equifax Credit bureau is currently reporting inaccurate information on my report such as multiple inaccurate names and addresses that are not mine, account status shows Date Opened is inaccurate, Date of Last Activity is inaccurate, missing data and a Charge-off reporting a balance. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA. Equifax is not practicing Metro 2 Compliance? These are clear FCRA violation and is grounds for immediate deletion. 
Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA they are required to " promptly DELETE all inaccurate information. '' 1. Please DELETE inaccurate or fraudulent names off my credit report below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2. I have been a homeowner for over 20 years. Please remove all incorrect or fraudulent ( X ) addresses off my report, as they are not deliverable to me by the U.S. Post Office, and they are not reportable as per the FCRA, since they are inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22 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: DE

Complaint narrative:
In accordance with the Fair Credit Reporting act U.S. DEPARTMENT OF EDUCATION Account # 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 2022-07-22 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: DE

Complaint narrative:
In accordance with the Fair Credit Reporting act U.S. DEPARTMENT OF EDUCATION Account # 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 explanation
Consumer complaint received 2022-07-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: GOLDMAN SACHS BANK USA
State: WI

Complaint narrative:
on XX/XX/2022 my XXXX rewards card- marcus by goldman sachs card was declined at a gas station. i called to see why and was told it was for non payment of my XXXX bill. my bill has been paid through auto pay from my checking acct since XXXX of XXXX i did not take it off of autopay ( it has since been put back on autopay ), so someone or their system must have taken it off autopay. the girl i talked to waived the {$29.00} fee for not paying my bill, but could not remove the interest of {$24.00}. she said i would have to file a dispute. i filed the dispute on XX/XX/XXXX and got a response on XX/XX/XXXX saying they found no errors and would not remove the interest. on XX/XX/XXXX i filed another dispute over the phone and they responded on XX/XX/XXXX saying they would not remove the interest charge. 
on XX/XX/XXXX i tried to email the company directly, but they were having web issues and it told me to try again in a couple hours. 
marcus recently took over the XXXX rewards card this year. i received my first bill with marcus in XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Provide how these accounts were Validated or Delete the following accounts reporting inaccurate and obsolete information.

1. XXXX XXXX This account is reporting inaccurate illegal misinformation. This reporting is causing extreme stress and financial pain. This Account was claimed to be verified, how was this account verified with inaccurate information? Please provide method of verification, and original documentation proving this account to belong to XXXX XXXX. 
a ) Promptly delete that item of info from the file of the consumer. 
XXXX. XXXX This account is reporting inaccurate illegal misinformation. This reporting is causing extreme stress and financial pain. This Account was claimed to be verified, how was this account verified with inaccurate information? Please provide method of verification, and original documentation proving this account to belong to me. 
b ) Promptly delete that item of info from the file of the consumer. 

XXXX. XXXX  XXXX After reinvestigation under paragraph 1 of any info disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall c ) Promptly delete that item of info from the file of the consumer. 

Violations being reported : 15 U.S.C. 1692g 15 U.S.C. 1692e

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account number 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 an 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 2022-07-22 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account number 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX account number 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 an 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 2022-07-22 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: GA

Complaint narrative:
They told me go buy a XXXX card and put XXXX dollar and send it i did then they told me I have to send XXXX more for bank fee.. Can I get my XXXX dollar back

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
This a follow-up to complaint XXXX. 
Citi states that I did not receive the {$700.00} bonus because the checking account " does not have you as the first signer, therefore, you did not complete the required activity to receive the {$700.00} Bonus. '' This is a joint checking account with my wife. The " Terms and Conditions '' do not make any mention of joint checking accounts, let alone requiring that I be the first signer. All signers to a joint account have the same rights and privileges regardless of the order in which they signed. Most banks do not differentiate between signature order. Your " Terms and Conditions '' do not indicate that Citi makes that distinction.

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 2022-07-22 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: TX

Complaint narrative:
Equifax I have a Question Why are you contacting XXXX on this account Where do they get there information that you don't you use the same e Oscar and metro information as XXXX. or are they getting there information some where else and supplying it to you now. your statement seems strange { we've sent your dispute to XXXX, and we'll let you know when its complete }

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX, XXXX, {$4400.00}, Bankruptcy reference # XXXX has violated my rights. 

I also want these names and addresses deleted XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX 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 I had written to the company ( MCM ) and the bureaus on numerous occasions but to no avail have they complied with the FCRA and provided me with the proper information.

I also have written to the bankruptcy court and they sent a letter stating that they don't report to the bureaus and I sent the letter to all three bureaus and they still are reporting on my reports

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 2022-07-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
Today XX/XX/22 I closed my Citizens Bank credit card because of the prior complaint I made about sneaky interest charges. The woman closed my account and did not apply the {$830.00} in rewards I had accumulated! That is wrong and I will NOT stand for it. The nerve of the Office of the Chair to do this without saying a word! Another way CITIZENS BANK KNOWINGLY, KNOWINGLY, TAKES ADVANTAGE OF THEIR CUSTOMERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22 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: IL

Complaint narrative:
A hard credit inquiry from XXXX XXXX using my name spelled incorrectly and my address was made on XX/XX/2022. Both XXXX XXXX and TransUnion were unwilling or unable to assist in removing the fraudulent inquiry

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 2022-07-22 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX l has violated my rights. Under 15 U.S.C 1692 b ( 2 ) ; Under 15 U.S.C 1692 b ( 5 ) and Under 15 U.S.C 1692 c ( a ). Also 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 an account without my written instructions. 
Transunion Credit bureau is currently reporting inaccurate information on my report such as multiple inaccurate names and addresses that are not mine, account status shows Date Opened is inaccurate, Date of Last Activity is inaccurate and missing data. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA. Transunion is not practicing Metro 2 Compliance? These are clear FCRA violation and is grounds for immediate deletion. 
Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA they are required to " promptly DELETE all inaccurate information. '' 1. Please DELETE inaccurate or fraudulent names off my credit report below XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX. I have been a homeowner for over 20 years. Please remove all incorrect or fraudulent ( X ) addresses off my report, as they are not deliverable to me by the XXXX XXXX XXXX, and they are not reportable as per the FCRA, since they are inaccurate

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 2022-07-22 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: VA

Complaint narrative:
I have tried multiple times to have identity theft fraud acounts taken off of my credit report. XXXX, XXXX  and transunion keep filing it as a normal dispute and not identity theft. I've submitted ftc reports and proper identification several times. My right are being violated I've talked to several managers and all they tell me is there's nothing they cam do until investigation is done.. it is keeping me from qualifying for a mortgage and I am facing eviction I've been working on this for months. They refuse to take items off that do not belong to me. My XXXX  kids and I are going to be XXXX. This is entrapment. I feel helpless. And as if I have no rights and the credit bureaus get to dictate my life. I don't understand why they are not following the law. I submitted my ID and social security card along with ftc reports. Why won't they do their job? It's the most rediculouse ordeal I've ever encountered. I've called almost daily basis I've spoken with managers they all yell me somthing different and ultimately that I have to continue to wait. I did wait resubmitted my documentation for them to again file it not as identity theft but as a normal dispute. It's insane and I am going to sue but in the meantime. I need these items taken off or we will be 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 2022-07-22 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
XX/XX/2019 - Opened XXXX XXXX  line of credit ( serviced by TD Bank ) as part of a promotional bundle. Purchased phone and accessories for the total amount of {$890.00} which was financed on this account ( XXXX ) Early XX/XX/2019 - Received first billing statement XX/XX/2019 - Paid account in full & requested account be closed. 
XX/XX/2019 - Received letter from TD customer service confirming that account was closed and that the current balance was {$0.00}. 

Received subsequent statements showing an outstanding balance with due date. 

Unsuccessfully attempted to resolve this matter with TD Bank customer service. 

TD bank has reported a potentially negative status which is impacting my credit history report and credit score.

How can I go about in resolving this matter? 

Regard, XXXX XXXX XXXX

Company response to consumer: Closed with explanation