vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I brought cash to make certificate of deposit. We counted cash together with bank employee. Then Citizens bank employee/or manager stole {$5000.00} out of the cash given for deposit. They said money counting machine jammed and keep telling me they balanced after. I filed police report. Police waiting for bank to go through their Normal policies and procedures but bank manager clearly irritated and not following up in timely manner. I also saw someone walking out emergency exit while I was waiting for my deposit to be done by bank employee. Also I told them to bring back money when they told me its XXXX less. Money they brought were just XXXX and XXXX bills and where missing large stack of XXXX $ bills I had initially counted with that employee.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX NIH XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-22 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$3600.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Someone stole my credit card then used it fraudulently. I contacted the card user about the fraud. I sent the card issuer an identity theft affidavit & a police report. XXXXXXXX XXXX, the card issuer, is refusing to remove the negative information from my credit report thereby violating the fair credit reporting act.

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 2023-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Someone stole my credit card then used it fraudulently. I contacted the card user about the fraud. I sent the card issuer an identity theft affidavit & a police report. XXXXXXXX XXXX, the card issuer, is refusing to remove the negative information from my credit report thereby violating the fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Someone stole my credit card then used it fraudulently. I contacted the card user about the fraud. I sent the card issuer an identity theft affidavit & a police report. XXXXXXXX XXXX the card issuer, is refusing to remove the negative information from my credit report thereby violating the fair credit reporting act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capitol One Credit Card continues to mail pre-approved credit card applications to my daughter at an apartment address I left in XX/XX/2019. 

My daughter never lived at that address. 

Yet they continue to send her pre-approved credit card applications. As many transients as there are at apartment complexes, I can only imagine it's only a matter of time before someone takes advantage of an opportunity to abuse her credit. 

We have submitted change of address with USPS.

We are on the national no marketing list.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I was contacted by a company called " Portfolio recoverys. '' I've made no contacts or arguments with this company. They say I owe {$760.00}. I need this removed from my credit immediately. 

Thank you!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
victim of identity theft please fix and correct my 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 explanation
Consumer complaint received 2023-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MO

Complaint narrative:
Pursuant to 15usc 1692c. ( c ) I am notifying you in writing that this is not my alleged debt and I am demanding that you cease all communication with me through any and all mediums. My credit report is a medium of communication. I am invoking my specified remedy as a consumer, and the original creditor I am demanding the following : Pursuant to 15 USC 1692c. ( c ) ( 2 ) XXXX out the balance on this account Delete the account from all consumer reports Your company can not purchase this alleged debt. However, you can not purchase my information. You are infringing on my right to privacy which is a federal violation. I have the resources to take this as far as needed. I will not hesitate to sue if this is not resolved.Your company also did not send any information regarding this alleged debt to me which is also a violation. Without prejudice, all natural inalienable rights reserved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 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: TX

Complaint narrative:
To whom it might concern. My only and correct name as it appears on my social security card and ID is XXXX XXXX XXXX XXXX. 
My only and correct social security number is XXXX. 
My only correct address is XXXX XXXX XXXX. XXXX  XXXX XXXX, TX XXXX. 
My only Phone number is XXXX Please delete any name that is not matching my proof of identity. Please delete any addresses that you are reporting which are not on my proof of address attached. 
Attached to this letter you will find a copy of my identification, proof of address and proof of social security number. 
Once my request has been processed, please mail me a copy of my updated credit report reflecting these changes. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I filed this complaint ID XXXX with the cfpb and named XXXX and XXXX in XXXX of 2023 XXXX agreed to remove the negative account from my consumer report XX/XX/XXXX I believe. Well it's still reporting. I have a letter from XXXX saying they will remove it XXXX said they validated the account which can't be true. I called XXXX they agreed that they requested it no longer be reported. I will provide the letter from XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: LEXISNEXIS
State: OK

Complaint narrative:
I filed this complaint ID XXXX with the cfpb and named XXXXt and XXXX in XXXX of 2023 XXXX agreed to remove the negative account from my consumer report XX/XX/XXXX I believe. Well it's still reporting. I have a letter from XXXX  saying they will remove it XXXX said they validated the account which can't be true. I called XXXX they agreed that they requested it no longer be reported. I will provide the letter from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Lost or stolen money order — 
Company: Ria Envia, LLC
State: OK

Complaint narrative:
The money order was lost and cashed but not by me {$380.00}. Im a XXXX XXXX XXXX XXXX and I am just now getting back on my feet. I save my money orders and now it's gone picture of the stub belowe

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Netspend Corporation
State: CA

Complaint narrative:
I tried to redetermined my identity with the bank but the website they gave me to do it with doesn't exist the website is XXXX locked out of my account on XXXX I'm on XXXX and XXXX and they know that.dont know where my XXXX payment went.

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 2023-05-22 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: Affirm Holdings, Inc
State: PA

Complaint narrative:
It all started when I took out something in payments by affirm for XXXX and I was paying everything well my payments were done automatically and everything was fine until one day I started to look at how much I owed and that's when I realized that the payments had not been made in 60 days when I always made my firm payments I was never late I was confident that I had everything

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Yes a complaint t has already been filed in which I only received a letter stating more time was needed in this issue. I did not know of any certification of identity needed until I opened this website to find out the outcome of this complaint. I am requesting more time to verify my identity due to never receiving the request for my issue in the first place. Still XXXX was taken from my account illegally but by who? Surely not myself. Wells Fargo is XXXX insured do what happened to my money? And why was my account closed.

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 2023-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

I was never late in XXXX XXXX 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 furish 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 anu purpose.

I request to have this account updated to paid on time.

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 2023-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
TRUIST block my money. When I opened account and deposit check, the next day they block my access to account. That is ok! I went to the brunch hoping they will give me back my money. But it is not happened. They give me phone number XXXX of XXXX XXXX XXXX. THIS IS NOT EVEN TRUIST BANK. JUST GIVE ME BACK MY MONEY AND THAT IS IT! DO NOT OPEN ACCOUNT WITH 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 explanation
Consumer complaint received 2023-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
My concern is that Resurgent Capital Services/ XXXX XXXX XXXX and XXXX XXXX XXXX XXXX , continue to make claims of me owing a debt to them. I know for certain that I have not engaged in any business with either of these companies, however, they remain consistent that an alleged debt is owed to them. When I requested VALIDATION of the alleged debt ; that they expect payment for, Resurgent Capital ServicesXXXXXXXX XXXX XXXX and XXXX XXXX XXXX XXXX falsely generated forms to VERIFY their claims to an alleged debt. That was not the request. The other problem extending from their fraudulent activities is the fact of them reporting to the credit reporting agencies such as XXXX, XXXX, and XXXX. I have also observed this information on XXXX. Resurgent Capital Services/ XXXX XXXX XXXX , has no legal rights to operate in the manner that they have against me any more than XXXX XXXX XXXX XXXX XXXX This continues after being instructed to cease and desist their actions/activities. 

It would be easier for Resurgent Capital ServicesXXXXXXXX XXXX XXXX and XXXX XXXX XXXX XXXX to produce any existing contracts had between them and myself that binds me to an alleged debt in efforts to establish and solidify their grounds to collect anything from me. STATEMENTS ARE NOT CONTRACTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: NJ

Complaint narrative:
PennyMac engaged in antitrust behavior and refused to provide me an official loan estimate unless I provided them one that I received from a competitor. When I did, they still did not provide me one in the legal format, which may have been to hide fees, even though their email motto is " Your actual rate, payment, and costs could be higher. Get an official Loan Estimate before choosing a loan. '' When the rep did not provide an official loan estimate, I complained to the CEO. The rep immediately responded to me and stated " Pricing went up today. I am unable to get the quote from yesterday without their official loan estimate from XXXX XXXX. Yes you got the CEO get the middle management involved and that does not help with pricing or getting a loan estimate faster. '' He once again reiterated his anti-trust behavior in requesting competitor rates before providing me one and retaliated against me complaining to his CEO by noting that he is increasing prices and taking longer to provide this data. Most recently, he has also asked for more financial documents. I can not trust this representative with my financial data and he is a danger to all clients and to the financial industry with this behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wellsfargo branch in XXXX, CA, around XXXX  open new account in my name without my permission. After I told the customer service i do not need to open another account, they insisted to keep my new account open. I left of the Wellsfargo bank, believed they closed my account, but they didn't. After I went back to the branch many times, finely they closed my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-21 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:
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. 

Account : XXXX XXXX XXXX XXXX has violated my rights and sent me to collections of XXXX 15U.S.C 1681 section 602 A states I have a right to privacy.

15 U.S.C 1681 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681 ( a ) ( 5 ) Section states : no consumer reporting agency can make any reports containing any of the following items of information. Any adverse item or information other than records or conviction to crime which atendates the reporting by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or have any reasonable cause to believe that the information is inaccurate.

Also my hippa law was violated

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 2023-05-21 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: Experian Information Solutions Inc.
State: FL

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. 

Account : XXXX XXXX XXXX XXXX has violated my rights and sent me to collections of XXXX 15U.S.C 1681 section 602 A states I have a right to privacy.

15 U.S.C 1681 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C 1681 ( a ) ( 5 ) Section states : no consumer reporting agency can make any reports containing any of the following items of information. Any adverse item or information other than records or conviction to crime which atendates the reporting by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or have any reasonable cause to believe that the information is inaccurate. 


Also my hippa law was violated

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
Credit Collection Services sent me a letter in the mail threatening to collect debt thats not owed. The company is in Violation of my Consumer rights, which is a major red flag, harassment and mail fraud. I sent the letter back return to sender. Refusal for cause without dishonor. Pursuant to UCC 3-501. Cease & Desist, violation of 18 USC 1341 & 1342. Violation of Chpt 3 section 3003 - Title 39. Title 18 USC 1341 & 1342. Refusal of solicitation. No contract. 


Their address is XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Website : ccspayment.com Phone : ( XXXX ) XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation