vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: NV

Complaint narrative:
First they deactivated the account because I hadn't made a deposit in a while. 
I had to make a deposit initiated from my local bank account which went through real time. I had to call back several times to get the account activated and set up an external account to transfer to. 
Then I tried to initiate a transfer from the account to my local savings account but had to call to get that to post. 
That transfer is still pending after 4 business days and every time I call they tell me it's not enough time. 
I initiated a transfer from my local bank account to get the money and that went through after only 3 business days, but not the one initiated from the bank I'm filing the complaint about.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 00:00:00
Product: Credit 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
We booked a moving company " XXXX XXXX '' - prior to the move date my wife fell ill ( documented by medical visits/doctors ) We attempted to seek a resolution with this company but were instead berated, threatened and then forcibly disregarded, as the " CEO '' XXXX XXXX would not work out a resolution but instead cancelled our move, and is attempting to keep {$790.00} for services not rendered. This is simple extortion and should not be allowed. This person keeps providing false claims and excuses to my credit card company and they are rebilling my account. There are numerous low/bad reviews on XXXX, XXXX & XXXX against this company that indicate XXXX XXXX does this quite often. He should be investigated. 

I have been dealing with this nightmare for 2 months now and I just wish it would be resolved already.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am a victim of identity theft and on XX/XX/XXXX I mailed to TransUnion an identity theft report which included a letter explaining and detailing the information in my report that is fraudulent, a Federal Trade Commission Affidavit, along with proof of my identity, social security card and proof of my address. I've spoken with a representative on XXXX XXXX at TransUnion and confirmed that they received my report on XXXX XXXX and that they did not process my request because it appeared that the information came from a third party. I explained to the representative that the report did not come from a third party, that it came directly from me. That I sent my ID Theft report to TransUnion XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX. The rep stated to me that he will attach my report to the fraudulent accounts to be processed for blocking of the fraudulent information and that it would take four days for processing. It is now XX/XX/XXXX and the fraudulent information still appear in my credit reports. A rep named XXXX from TransUnion called me today to follow up and advised me to re send the information again to them, because they were not going to proceed with my request, because TransUnion is saying it came from a third party, but it didn't.

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 2023-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I am writing to delete the following information in my file. The items that need to be deleted are listed in the report attached. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete these items 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 2023-08-25 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: DISCOVER BANK
State: AL

Complaint narrative:
In XXXX, I took out a Discover student loan to attend graduate courses at XXXX University. In XXXX, I dropped down to less than half time due to health issues, and the loan went into repayment without my knowledge. Discover sent me an email saying they were going to charge off my loan on XX/XX/XXXX. But then the charge-off never happened. Now they are sending me emails saying they want to charge it off now. I went online to look at my credit report, and the company only has the loan information from XXXX on there. Theres no missed payment information from XXXX. 

I called the company once before to discuss this, and they were threatening me over the phone, so I decided to never contact them again about it since they dont want to help people. I was struggling with health issues, wasnt working, and couldnt afford the payments. ( I was staying with my boyfriend at the time who was supporting me. ) They just want to bully and intimidate you into giving them money that you dont have. 

My first missed payment was in XXXX or XXXX I believe, after I had dropped down to part-time. 

I believe the company is dragging out the process as a deceptive practice to buy them more time to collect from me, as the statute of limitations is 7 years, which their 7 years is already up if the repayment started in XXXX. 

Attached is an email I found from XX/XX/XXXX saying that I had a missed payment. I know I had some starting in XXXX or XXXX though. Also attached is the email from them saying they were going to charge off the account on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION
State: CA

Complaint narrative:
XX/XX/23 unauthroized withdraw of {$500.00} XX/XX/23 unauthroized withdraw of {$140.00} Bank name is Regions Bank and I am using the employee debit card and app called XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO.
State: FL

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



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

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

15 U.S. Code 1681a-Definitions ; rules of construction-Exclusions.

Except as provided in paragraph the term consumer report does not include-any report containing information solely as to transactions or experiences between the consumer and the person making the report.

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 purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
TD Bank did not report my car is completely paid off. Please remove asap

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-25 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: BANCO POPULAR DE PUERTO RICO
State: TX

Complaint narrative:
I sent two emails to Banco Popular in Puerto Rico. 
Dates sent : Thursday, XX/XX/2023 XXXXXXXX XXXX  and XXXX XX/XX/2023 XXXXXXXX XXXX To : XXXX XXXX ; and a specific person who has the authority to respond. 
Subject : Urgent Request to Freeze Bank Account The email contains my mother 's full name, my official duty as her XXXX my mother 's SSA number, the bank account number, the death certificate, my contact info, offered to furnish evidence of my identity to validate request as well as stating that I live outside of Puerto Rico. 
My email request did include : 1. Added to subject field and body of email " freeze '' my mother 's accounts, 2. provide statements, provide a response On numerous times, I have also called and was unsuccessful despite that the call center staff ( 3 ) stated that they would create a " claim '' and send a message.

For any financial institution to know upfront that the inquiry is from someone who resides outside of PR, and for two separate bank locations to state that I would physically need to go directly to the branch to provide a death certificate, and not respond to a customer 's concern more than a month ago is unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am writing to address a pressing matter related to my Capital One account Recently, my wife XXXX XXXX submitted a request to update her profile, specifically to replace her ITIN with her Social Security Number on her accounts. She is an authorized user on one of my credit card account. 
Unfortunately, it appears that during the process of updating her information, an error occurred within Capital One 's system. This error has led to the creation of a duplicate entry and a mismatch in my account details that requires immediate correction. 
Regrettably, this significant oversight by Capital One has rendered me unable to access any of the products associated with my account, including my checking accounts, savings accounts, and credit cards. It is evident that this situation is causing undue financial strain, as Capital One is currently withholding my funds without any legal mandate, thereby causing unwarranted delays in meeting my financial obligations. 
I have invested countless hours in phone conversations with various agents from Capital One, all of whom have been unable to provide a satisfactory resolution to this predicament created solely by Capital One 's errors. 
I implore you to treat this matter with the urgency it demands. 

Thanks for any help that can be given with my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP
State: NJ

Complaint narrative:
Hello, Have already called the creditor asking them to remove this late payment not abiding by what I have requested. They have also violated my consumer right, because they never gave me an option to opt out from reporting to third party, I mean the law 15 U.S code 6802 I was reported as late for the month of XXXX XXXX 

Account Name : XXXX XXXX Credit card name : XXXX XXXX  and XXXX XXXX XXXX Credit card number : XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-25 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Mr. Cooper Group Inc.
State: SC

Complaint narrative:
On at least two occasions XX/XX/23 and XX/XX/23, I've spoke with someone to request that my phone number be removed from their database. Both times they agreed to do so. They continue to call looking for different individuals which is very disruptive to my workday. If I don't answer the call they will leave a message that I don't need. 

Please have them STOP calling my workplace looking for their debtors, it is highly inappropriate and annoying. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: MI

Complaint narrative:
One day, surely over month into my 6 policy period with progressive which I pay upfront, i received a letter stating I owed {$100.00}. Numerous attempts on the phone and requesting supervisors to explain this charge, resulted in nil. They continued to constantly call, back to back, even on weekends without an explanation. Again, this was a 6 month policy that i had renewed and had no changes. They eventually sent to Caine and Weiner, who called and gave they impression they were law enforcement. When they would call, they would mumble who they were so you really couldn't determine who it was or what it was about. They then sent me a letter stating debt collection owed, but no explanation. I sent a cease and desist letter to them on XX/XX/23. They once again communicated via mail XX/XX/23, clearly in response and in violation of my cease and desist. Same letter, no explanation. Both parties have violated the CFPB regulatory rules.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am a victim of identity theft. I filed the correct paperwork per the FCRA and sent it with my dispute to the credit agencies to remove the accounts. They did not attach the paperwork properly and did not follow the law. And I was not given copies of the verification process like the FCRA says Im supposed to get.

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 2023-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am a victim of identity theft. I filed the correct paperwork per the FCRA and sent it with my dispute to the credit agencies to remove the accounts. They did not attach the paperwork properly and did not follow the law. And I was not given copies of the verification process like the FCRA says Im supposed to get.

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 2023-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have a business checking account with Truist. It has {$1.00} balance. I couldn't transfer it using XXXX or XXXX. I want to close the account. On or about XXXX XX/XX/2023 I chatted with XXXX to close the account but he is not willing to do so. Instead XXXX stated that go to the bank branch or send a postal mail. I insisted on closing this account by chat but he said that he couldn't

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 2023-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I am very upset I have a deposit receipt I opened a business checking and have a personal account with them as well I dont have my debit cards for neither account have no access to my money

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
To the PayPal Support Team, I hope this message finds you well. I am writing to express my deep concern regarding the permanent limitation placed on my PayPal account ( XXXX ). I firmly believe that this limitation has been imposed due to a misunderstanding or an error, as I have always been diligent in adhering to PayPal 's policies and guidelines. 

I wish to emphasize that I have not, to the best of my knowledge, violated any of PayPal 's terms of service or engaged in any activities that could warrant such a severe action. The sudden restriction has not only inconvenienced me but has also shaken my trust in PayPal, a platform I have relied upon for secure online transactions over the years. 

I kindly request PayPal to re-evaluate my case with utmost diligence. Mistakes can occur, and I believe there might be pertinent information that has not been appropriately considered. I am more than willing to cooperate and provide any additional verification or documentation that might be necessary to resolve this matter. 

Having been a loyal PayPal user, I genuinely hope that my account can be reinstated after a thorough review. The ability to use PayPal is crucial for my online transactions, and this restriction has put me in a difficult situation. 

I kindly ask for a second chance to rectify any misunderstandings and restore my account to its full functionality. Your prompt attention to this matter would be highly appreciated. I am eager to regain access to my PayPal account and continue using your services for secure online transactions. 

Thank you for your time and understanding. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 00:00:00
Product: Credit reporting 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:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

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 2023-08-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
BARCLAYS BANK DELAWARE, XXXX XXXX XXXX XXXX DE. XXXX  REPORTED TO CREDIT BUREAU AND THIS IS NOT MY DEBT.

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 2023-08-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
I ordered my credit report and notice unauthorized auto accounts on my report and need to be removed immediately as I have not written consent to/or have knowledge of this account of ally finicial As well as an unauthorized address as fcra states anything thats unlawfully guaranteed needs to be removed.

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