vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CITIZENS FINANCIAL GROUP, INC.
State: IN

Complaint narrative:
We purchased a brand new XXXX XXXX XXXX XXXX  on XX/XX/XXXX. The loan agreement was for 240 months ending on XX/XX/XXXX. We had noticed that what we owed wasn't going to be paid off by the completion date. Throughout the life of the loan we deferred 3 payments that we knew of to the end of the loan. I do not have the years or dates this occurred but we knew we would paying longer that 240 months. In XXXX we received a statement with a payment amount of {$15000.00}. We paid the normal payment of {$620.00} and attempted to find out why we owed so much when we had fulfilled the loan payments. In XXXX of XXXX we received a delinquent notice for an amount of {$15000.00} requiring payment within 10 days or we would be turned into collections. On XX/XX/XXXX we called and made a payment of {$15000.00}. A few days later I called requesting information why we owed so much extra money. They told me that we deferred 3 payments in the life of the loan and the extra was for the interest for those deferred payments. I requested an amortization schedule for the life of the load and the dates of the deferred payments and the interest rates charged. They have never sent me anything and if you call they put you on hold and never pick up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27 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: TN

Complaint narrative:
RE : Request for Investigation of Unauthorized Credit Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from XXXX, XXXX, and Transunion and I noticed an unauthorized credit inquiries had been made. 

I contacted XXXX, XXXX, and Transunion, who conducted the inquiry and asked them to remove their credit inquiries from my credit report. 

I request that you investigate the inquiries listed on my credit report to determine who authorized the inquiries. If you find my allegation to be true once your investigation is complete, please remove the inquiries and send me an updated copy of my credit report.

If you find the inquiries referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. 

Unauthorized on XXXX : XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX US SM BUS ADMIN ODA - XX/XX/XXXX XXXX - XX/XX/XXXX Unauthorized on Transunion XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXXXXXX - XX/XX/XXXX Unauthorized on XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX # XXXX - XX/XX/XXXX Thank you for your assistance in this matter

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 2022-02-27 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: TN

Complaint narrative:
RE : Request for Investigation of Unauthorized Credit Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from XXXX, Experian, and XXXX and I noticed an unauthorized credit inquiries had been made. 

I contacted XXXX, Experian, and XXXX, who conducted the inquiry and asked them to remove their credit inquiries from my credit report. 

I request that you investigate the inquiries listed on my credit report to determine who authorized the inquiries. If you find my allegation to be true once your investigation is complete, please remove the inquiries and send me an updated copy of my credit report. 

If you find the inquiries referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. 

Unauthorized on Experian : EXPERIAN XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX EXPERIAN XXXX XXXX  - XX/XX/XXXX US SM BUS ADMIN ODA - XX/XX/XXXX XXXX - XX/XX/XXXX Unauthorized on XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXXXXXX - XX/XX/XXXX Unauthorized on XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX # XXXX - XX/XX/XXXX Thank you for your assistance in this matter

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 2022-02-27 00:00:00
Product: Credit card or prepaid 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
On XX/XX/2022, I had a charge on my XXXX  card for {$160.00} @ XXXX XXXX hotel, I called the credit card company stating I did not revived any services from this hotel when I arrived at this property it was unsafe & the room was rigged with unauthorized surveillance equipment illegal I said Im not staying at this property but the the property still charged my account. I complained to my credit card company which closed that credit card account & reissued a new card to me & they said the problem was resolved & I would be getting my refund immediately if not by the end of the billing cycle which was XX/XX/2022. Never received my credit on my account

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 2022-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
IDENTITY STOLEN FOR LAST TEN YEARS CONSTANTLY. I LOST MY MONEY AND MY JOB. DISCRIMINATION AGAINST XXXX  AND XXXX IN THE USA

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 2022-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
IDENTITY STOLEN FOR LAST TEN YEARS CONSTANTLY. I LOST MY MONEY AND MY JOB. DISCRIMINATION AGAINST XXXX  AND XXXX IN THE USA

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
IDENTITY STOLEN FOR LAST TEN YEARS CONSTANTLY. I LOST MY MONEY AND MY JOB. DISCRIMINATION AGAINST XXXX  AND XXXX IN THE USA

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 2022-02-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I demand to see Verifiable Proof ( an original Consumer ContracXXXX with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America closed my personal checking account approx. XX/XX/2021 with no reason or explanation. They kept {$13000.00} dollars and have not returned it yet. I have called multiple times. Gone into the bank in person and have certified them letters, but they refuse to return my money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-28 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: IL

Complaint narrative:
Going over my consumer report I have notice you are reporting XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX without my consent ... 

I demand these accounts to be removed from my consumer report. I did not give you written instruction to report anything on my report so this must be removed ASAP. 

Violation of 15 usc 1681b ( a ) ( 2 ) -Permissible Purpose of consumer report as it states " In general subject to subsection ( c ), any any consumer reporting agency may furnish a consumer report under the following circumstances and no other.

( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

It is in fact that I am a consumer and did not give you any written permission to furnish these accounts on my consumer report.Which is my reasoning for you all to delete all accounts mentioned 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 non-monetary relief
Consumer complaint received 2022-02-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: OK

Complaint narrative:
I was contacted by Venmo stating there was activity violating terms of service and that my account was frozen. I stated to them the account has not been used in 7 months so there has been no activity and I requested specifics on this activity as it appears it may be fraudulent. Instead of assisting with any kind of fraud investigation, they simply froze the account which means I can not actually engage in any kind of preventative actions related to any fraudulent activity taking place ( or having taken place ) on the account that I did not actually initiate. Furthermore Venmo states they have support available via their XXXX account and despite repeated efforts to try to get assistance because I can not do so online as the account is frozen, they have failed to respond to any of my requests for support. Simply put, my account may be being used illegally by a third-party, Venmo is now aware of it and refusing to do anything to assist, they are blocking my access to my account so that I can not take actions to prevent this from occurring, and ignoring requests for assistance from the customer despite what is clearly a security issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
In an effort to try to rebuild my credit, I applied for and received a secured card from XXXX XXXX. Submitted my deposit and made purchases. 
During the holidays, myself and my family were affected by the XXXX variant of XXXX. I had to take some time off work and fell behind in all of my bills. 
This company sent me a letter from the fraud department informing me they had closed my charge account due to practices not acceptable to their cardholder standards. 
Not only did they not reach out to me, I secured this account with an ACH deposit and made payments from an account with a FDIC insured financial institution. 
Now I have an account closed by creditor on my credit after trying to repair it!! 
This is appalling on many levels. 
I am not a criminal, have not committed any type of fraud to receive a letter from the fraud department. 
I am re establishing myself after a divorce. I was a homemaker for almost 25 years and everything was almost solely in my spouses name. 
They should be reprimanded for doing this to people.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 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: TN

Complaint narrative:
4TH REQUEST!! PLEASE ATTACHED FTC REPORT!! PLEASE CLEAR COPY OF MY ADDRESS!! **** EQUIFAX PLEASE DONT SEND ME ANOTHER FAKE LETTER SAYING MY INFORMATION ISNT CLEAR!! BEACUSE EQUIFEX SENT ME A LETTER WITH MY NAME SPELLED WRONG AND SAID THE COULDENT BLOCK INFORMATIOM, WHICH TELLS ME TH HAVE MY ACCOUNT MIXED UP WITH SOME ONE ELSE. PLEASE ATTACHED.

PLEASE BE ADVISED THIS IS MY 4TH REQUEST, PER FCRA THIS INFORMATION MUST BE BLOCKED FROM MY REPORT WITH IN 4 BUSINESS DAYS. SO, IM NOT UNDERSTANDING WHY YOU ARE RESPONDING SAYING 60DAYS,, THAT TO LONG. I WILL BE FILING A COMPLAINT WITH THE ATTORNEY GENERAL OFFICE. Please be advised, I noticed the credit bureaus that I had been a victim of identity theft. Per FCRA I asked them to block information from my report. Not only did they ignore my request, but it also seems as if there IS A VOLATION of the FCRA and the FTC. I sent a statement FTC report and proof of identity. It was also names on my report I never went by Accounts XXXX XXXX {$380.00} XXXX XXXX {$810.00} XXXX XXXX {$1200.00} XXXX XXXX XXXX$1600.00} Please see attached FTC report for additional information amounts account numbers and off please like this information from my report as it was right please block this information for my report as Ive sent in the proper identification if I dont hear back from you and this is not a block within four days I will make a complaint with the attorney general 's office and seeking to get a legal counsel PLEASE DELETE THESE NAMES FROM MY CREDIT FILE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all of the following names are fraudulent and needs to be removed. Please see attached FTC report and proof of identity thank you PLEASE DELETE THE FOLLOWING ADDRESS AS THEY DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: VA

Complaint narrative:
I am a federally protected consumer and a natural living person. I am aware that this company by the name of Credit Collection Servic is committing fraud and claiming that I owe this company an alleged debt. I hereby refuse this alleged debt and request that this company provide me with documentary evidence which shows that I legally owe you this alleged debt. I am also aware that this company has violated the Fair Credit Reporting Act by reporting unfair and inaccurate information as according to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) information solely as to transactions or experiences between the consumer and Credit Collection Servic should be excluded from personal reports. I am saddened to see that this company thrives on deceiving its consumers and hope to find a resolution to this problem.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Simon's Agency, Inc.
State: VA

Complaint narrative:
I am a federally protected consumer and a natural living person. I am aware that this company by the name of Simons Agency INC, is committing fraud and claiming that I owe this company an alleged debt. I hereby refuse this alleged debt and request that this company provide me with documentary evidence which shows that I legally owe you this alleged debt. I am also aware that this company has violated the Fair Credit Reporting Act by reporting unfair and inaccurate information as according to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) information solely as to transactions or experiences between the consumer and Simons Agency INC should be excluded from personal reports. I am saddened to see that this company thrives on deceiving its consumers and hope to find a resolution to this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
About 30 days ago I applied for the Chase Bank XXXX XXXX card. I was not immediately approved but within 7 days I was notified of the approval and a XXXX credit limit and I was satisfied with this outcome. About 1 week later I received a notification from XXXX XXXX that the available credit on one of my oldest cards the Chase freedom had been lowered from XXXX to XXXX. I proceeded to call Chase bank and ask why I wasn't asked or notified of this change by them. Both a CSR and supervisor told me this is a new practice at their financial institution. They refused to do anything but move the line of credit around or told me I could apply for a credit line increase. But they have already just pulled my credit and no where in there terms and conditions says they can pull credit from another card. So in short they cost me a credit inquiry and a new card with a hefty annual fee and didn't supply any additional credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27 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: NAVY FEDERAL CREDIT UNION
State: TN

Complaint narrative:
Requesting remedy for the following violations from NFCU. Violation of 15US code 1642, 15 U.S code 1681m, and 12 cfr 1002. Have mailed certified letter of notification to Navy Federal with tracking number XXXX. Letter has been received but have not received a reply.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America Bank has been hacked and our records, XX/XX/2022, I received a text from Bank of America about suspicious actives has been located on your account, XX/XX/XXXX, someone took my wife phone and she received a text message authorization code XXXX had been text If you did not request the code, call XXXX for assistance. We called Bank of America and they dismissed our concerns. Someone had tapped into our account and Bank of America is aware of these facts but chose to dismiss our concerns. 
Sat XXXX XXXX XXXX, 2022 we tried to pay a bill but the charge was denied. We stated on hold for several minutes with the Bank of America but they refuses to respond to our concern. 
If we are receiving text messages and our debit card charges were denied then we have a problem. 
Bank of America refuse to look into our concerns, someone has tapped into our account using a computer to over-ride there system. Money in the bank and we can not use our card so what are we to do if we want to pay our bills. We were never told about a limited being on our debit card to pay a bill. We want a respond for the bank in writing.

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 2022-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I have filed multiple disputes with transunion credit agency regarding accounts that should not be on my report. They say information is verified as accurate. Which is not true. I have settled all my accounts and was told all would be removed from my credit report. Transunion have removed them and then put them back on months later. Which is wrong. And illegal in my eyes. My old debts due to covid unemployment were paid in full through the collection agencies or original creditors. And I was promised it would be removed. And also I was promised a letter of settlement and never received one. That's XXXX XXXXXXXX, XXXX, and XXXX, I have had great payment history and years of excellent track record, but when covid hit alot of people lost there jobs. Which I did. And fell behind. But as soon as I got back to work as normal. Everything was paid. And it still shows and reflects negative information and balance. Please fix.

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 2022-02-27 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: BRite Financial Services, Inc.
State: MI

Complaint narrative:
I have requested documents several times via XXXX XXXX XXXX from Brite Financial pursuant to 15 USC 1692g. I have received nothing from Brite Financial as Ive requested an audit trail for this account aswell as the address and name of the original creditor. 
XX/XX/2021 at XXXX. Brite Financial violated my consumer rights by giving out my location information and paying another person to come and steal my property. This is a violation of 15 USC 1692d ( 1 ).

Brite Financial has failed to provide me with any updated information with any and all third parties that this alleged debt is disputed pursuant to 15 USC 1692e ( 8 ).

Brite Financial has failed to send me a written notice of my right of redemption and/or reinstatement.

Company response to consumer: Closed with explanation