vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I hold checking accounts at a branch of Webster Bank in XXXX, New York. I have been repeatedly requesting mailed monthly statements for my checking accounts from Webster Bank. I have also made those requests through prior complaints made with CFPB. 
Webster Bank took my original checking account ending in XXXX and kept of portion of the funds in that XXXX account but put the majority of the funds into another checking account ending in XXXX. This was done by Webster Bank because two fraudulent checks were written against my checking account ending in XXXX. 
My efforts requesting mailed statements started with a face-to-face request with the banker at my local branch. No result. I then followed with emailed requests to the banker. No results. I followed this with filing a CFPB complaint. Webster Bank did finally start to send my statements for my checking account ending in XXXX. However, they have not sent any at all for my account ending in XXXX which held the majority of my funds. 
Webster Bank did not reimburse one of the two fraudulent checks cashed against my account because they claimed I did not report the fraudulent activity within 30 days. In light of this it's very unfair and hurtful to me that they have not provided mailed monthly statements to me for account ending in XXXX. I hereby AGAIN request that they please provide my statements so I can have control of my checking account. This is causing many sleepless nights. 
Please help me to resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15 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: TX

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day 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 2023-12-15 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: American Coradius International LLC
State: SC

Complaint narrative:
I have not used XXXX for more than 10 years. Suddenly, I have a debt collector ( i.e., American Coradius International LLC. ) tell me I owned to XXXX  some money. They referenced the account number that Ive never known. This is a scam. 

Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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. 

However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case! 

LET IT BE CLEAR that I am NOT in dispute to the ownership nor responsibility to this account of MINE, however, if you are unable or unwilling to present the mandated provable documents as to the full truth, accuracy, completeness, timeliness, and otherwise compliance of HOW REPORTED and HOW utilized, then you must per law eradicate any and all negative aspects. It is my request that you RETURN to or RETAIN federal COMPLIANCE and accurate reporting with your willful display of the accounts history as being PAID/PAYS as AGREED -- NEVER LATE or SIMPLY REMOVE them from my personal Crdeit Report! 

Any other notation is possibly refutable or even unlawful chicanery-led subterfuge which might be deemed an illegal infraction that creates potential unjustified consumer injury which is OBVIOUSLY a SEVERE infringement of any reporting ethics and standards of law. Today, even right NOW and right here I suggest you remove any violation-laced behaviors on your part with your immediate submission to my request via this complaint in writ composition. Please forward me a notification that you have communicated with the consumer credit reporting agencies and have, without any delays, directed each to eliminate any and all adverse remarks and further to display PAID or PAYS as AGREED, NEVER LATE!. Any other response on your part is INSUFFICIENT to responsible reporting and would be deemed an act of aggression, be it an unlawful one.

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 2023-12-16 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: EQUIFAX, INC.
State: NY

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.

However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case!

LET IT BE CLEAR that I am NOT in dispute to the ownership nor responsibility to this account of MINE, however, if you are unable or unwilling to present the mandated provable documents as to the full truth, accuracy, completeness, timeliness, and otherwise compliance of HOW REPORTED and HOW utilized, then you must per law eradicate any and all negative aspects. It is my request that you RETURN to or RETAIN federal COMPLIANCE and accurate reporting with your willful display of the accounts history as being PAID/PAYS as AGREED -- NEVER LATE or SIMPLY REMOVE them from my personal Crdeit Report! 

Any other notation is possibly refutable or even unlawful chicanery-led subterfuge which might be deemed an illegal infraction that creates potential unjustified consumer injury which is OBVIOUSLY a SEVERE infringement of any reporting ethics and standards of law. Today, even right NOW and right here I suggest you remove any violation-laced behaviors on your part with your immediate submission to my request via this complaint in writ composition. Please forward me a notification that you have communicated with the consumer credit reporting agencies and have, without any delays, directed each to eliminate any and all adverse remarks and further to display PAID or PAYS as AGREED, NEVER LATE!. Any other response on your part is INSUFFICIENT to responsible reporting and would be deemed an act of aggression, be it an unlawful one.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: CITIZENS FINANCIAL GROUP, INC.
State: NE

Complaint narrative:
I have received from Citizens month after month a Mortage statement stating ... " You have one or more past due payment ''. This is false. I am using an auto draft, using their form to have my XXXX mortgage payment withdrawn from my checking account on the XXXX of the month with XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX I  am due for the XXXX XXXX regular mortgage payment and the payment is set for an auto drafting by Citizens on XX/XX/XXXX. The XXXX fell on a Saturday, so the due date was extended until XX/XX/XXXX, the next business day, a Monday. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My loan is a conventional XXXXXXXX XXXX XXXX single family, owner occupied. For all I know Citizens is report every month that I am past due and they MAY be reporting to the three national credit reporting agencies that I am delinquent, which would have a major effect on my XXXX score. 

Citizens purchased my loan servicing right after the subject mortgage loan was originated in XXXXXXXX XXXX  I have called Citizens to complaint and get a nonsensical no sinical answer. I told them, that I would report them to the proper governmental authorities i I received one more Mortgage Statement stating that I was past due and demanding that I make a double the regular monthly payment. Citizens said their computer automatically generates the delinquent notice and I said that was not my problem to resolves and they needed to immediate bring the issue to attention of Citizen senior management and immediately fix the report delinquent problem. Further, if Citizens reports me to the national credit reporting agencies as delinquent I'll sue them and maybe start a Class Action case against Citizens and their senior officers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15 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: MI

Complaint narrative:
i have been a victim of identity theft. none of these transactions belong to me

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 2023-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I have sent debt validation letter since XX/XX/XXXX  XXXX XXXX  XX/XX/XXXX  and again on XX/XX/XXXX  I also went throught the XXXX  and have file complaints through this company and XXXX Transunion and XXXX that my social security number has been confiscated on several occasions and unauthorized accounts have bee open in my name. These companies fail to investigate these accounts and I haven't received any validation of debts from the company either inwhich the company 's are violating the laws of the FCRA BY NOT REPLYING WITH THE 30 DAYS

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 2023-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: DISCOVER BANK
State: SC

Complaint narrative:
I have sent debt validation letter since XX/XX/XXXX  XXXX XXXX  XX/XX/XXXX  and again on XX/XX/XXXX  I also went throught the XXXX  and have file complaints through this company and XXXX XXXX and XXXX that my social security number has been confiscated on several occasions and unauthorized accounts have bee open in my name. These companies fail to investigate these accounts and I haven't received any validation of debts from the company either inwhich the company 's are violating the laws of the FCRA BY NOT REPLYING WITH THE 30 DAYS

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I have sent debt validation letter since XX/XX/XXXX  XXXX XXXX  XX/XX/XXXX  and again on XX/XX/XXXX  I also went throught the XXXX  and have file complaints through this company and Experian XXXX and XXXX that my social security number has been confiscated on several occasions and unauthorized accounts have bee open in my name. These companies fail to investigate these accounts and I haven't received any validation of debts from the company either inwhich the company 's are violating the laws of the FCRA BY NOT REPLYING WITH THE 30 DAYS

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 2023-12-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: TOYOTA MOTOR CREDIT CORPORATION
State: OR

Complaint narrative:
I excised my right as the consumer to extend credit on XX/XX/XXXXXXXX  to Toyota Financial Services to purchase a brand new vehicle and I got denied due to my credit score. I provided in writing to the CEO, CFO, & Treasurer via email to get this situation resolved immediately but have not received a yet. 

I provide them the federal laws and Truth in Lending Act violations them made in this consumer credit transaction. I let them know that I am the holder and holder in due course. I am filing this complaint as Toyota Financial services has misled me and provided misinformation. Additionally, they were initially making comments that a downpayment was going to be needed but that is a violation of 15 USC 1605 ( a ) " the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. '' Additionally, 12 USC 83 states ; " ( a ) General prohibition - No national bank shall make any loan or discount on the security of the shares of its own capital stock. 

( b ) Exclusion - For purposes of this section, a national bank shall not be deemed to be making a loan or discount on the security of the shares of its own capital stock if it acquires the stock to prevent loss upon a debt previously contracted for in good faith. '' They are stating that they are offering me a " loan '' but under the truth in act, all consumer credit transaction can not be a loan as the money is not coming from the lender. 

In the book released by the XXXX XXXX XXXX XXXXXXXX called, XXXX XXXX XXXX originally was written by XXXX XXXX XXXX in XX/XX/XXXX. The XX/XX/XXXX revision was prepared by XXXX XXXX XXXX XXXX. Page XXXX states, " If business is active, the banks with excess reserves probably will have opportunities to loan the {$9000.00}. Of course, they do not really pay out loans from the money they receive as deposits. If they did this, no additional money would be created. What they do when they make loans is to accept promissory notes in exchange for credits to the borrowers ' transaction accounts. Loans ( assets ) and deposits ( liabilities ) both rise by {$9000.00}. Reserves are unchanged by the loan transactions. '' Meaning that these banks are stating that the will " loan '' us our own credit which we originated and extend. We the consumer are the one ones that create the money, not the bank. 

In conclusion, Toyota Financial Service has denied me my own right to extend credit. They benefited from the use of my credit but provided no value back to me. Please investigate Toyota Financial for violations of consumer rights and misrepresentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15 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: Experian Information Solutions Inc.
State: CA

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. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : # XXXX, Account name : # XXXX Account name : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect? According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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

Company 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 2023-12-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Electrical work service completed on XX/XX/XXXX, deposit of {$2500.00} paid on XX/XX/XXXX and {$5000.00} payment towards paid-in-full invoice paid XX/XX/XXXX - partial payments made with Capital One credit card. 

XX/XX/XXXX - Electrician company mailed a letter that the work was incomplete and permit was still opened. I called the City of XXXX to confirm the open permit and received the Inspection Report- the electrical work failed inspection XXXX times : XX/XX/XXXX, XXXX/XXXX/XXXX and XX/XX/XXXX. 

Demand Letter sent to Merchant on XX/XX/XXXX, Second Notice Demand Letter sent to Merchant on XX/XX/XXXX, and Final Formal Demand for Documentation and Resolution sent to Merchant on XX/XX/XXXX. Initial Demand Letter requested a response from the Merchant to the demand for refund within 30 days due to incomplete and unsatisfactory nature of work, the inconvenience I have experienced due to the delayed completion, and the expenses incurred as a result of the failed inspections. Merchant did not provide a response that addressed the demand for refund by the deadline of XX/XX/XXXX. 

Contacted Captial One on XX/XX/XXXX file a chargeback claim for both credit card charges of {$2500.00} and {$5000.00}. Both claims were not processed due to different reasons for both claims even though they were in the same timeframe and for the same electrical service completed on XX/XX/XXXX. Captial One was stating that a photo of returned materials to the merchant was needed and the cases were closed - a photo of electrical services can not show how services are used to repair breaker boxes. I explained to Capital One that I was not aware of the incomplete electrical work services that I paid for until XX/XX/XXXX when the electrician company mailed me a letter about the permit still being open. I contacted the merchant via demand letter sent on XX/XX/XXXX with a 30-day deadline to process the refund before filing the chargeback with Capital One on XX/XX/XXXX. I escalated both claims with a manager of the Dispute & Claims department.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I received the finished dispute from Transunion and they did not remove the items as requested. The accounts still appear as closed, all with negative reporting information. According to the FCRA Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information.. As of now they are violating my constitutional rights in many ways and each violation is punishable according to USC law .

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 2023-12-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
On XX/XX/XXXX  I got a notification on my phone from XXXX of a hard inquiry from capital one which I did not make. I contacted capital one and let them know it was fraudulent. I immediately locked all my credit accounts.

Company response to consumer: Closed with explanation