vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC.
State: CT

Complaint narrative:
I opened an account with Citizens Bank on XX/XX/2022. My account type was a Student Checking account, which has no monthly maintenance fee, and I signed up with a bonus, such that for a direct deposit of at least {$500.00}, a credit of {$300.00} would be posted within 60 days. 


I had a qualifying direct deposit of {$550.00}, as well as a personal deposit to start the account of {$50.00}, but later withdrew that money around XXXX to put in a high yield savings account. My Citizens account remained open, albeit at a XXXX balance. This was the case into late XXXX. 

Today, I logged into my Citizens account, to check on the potential bonus, and I saw that Citizens had closed my bank account. I called Citizens, and they stated that they closed the account on a XXXX balance because of potential monthly maintenance fees -- despite the fact that I had maintained a XXXX balance with them for over a month prior -- and due to not having an account with them, they could not honor the sign up bonus guidelines. Further, the sign-up email for a Student Checking account notes " no minimum balances ''. It is phenomenally outrageous to suggest any incorrect action taken on my behalf, when the selling point of the account was " no minimum balances '', and the closure conveniently occurred when I was due {$300.00}. 

At no point did any guidelines suggest that Citizens would close the account. Further, no guidelines on the bonus suggest that Citizens does not owe the money to me, if not in the account, then in the form of a check. 

I received no notice from the bank in advance of their adverse action, and likewise had no other transactions or changes to the account to allow them to void my account and nullify the bonus owed to me. Thereby, I believe I was treated unfairly by my bank, and have thusly contacted the XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 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: IN

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account XXXX, XXXX XX/XX/XXXX, XXXX, XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS.15 U.S.C. SECTION 602A STATES I HAVE A RIGHT TO PRIVACY. 15 U.S.C. SECTION604A SECTION2 IT ALSO STATES NO CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: HSBC NORTH AMERICA HOLDINGS INC.

Complaint narrative:
Commencing on or about XX/XX/2022, my company fell victim to two multi-layered scam operations run by someone who created a mirror site of XXXX XXXX XXXX ( the Scammer ) which involved me making deposits for a total amount of XXXX USD from my HSBC XXXX account to HSBC US at the instructions of the scammers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 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: MO

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX has violated my rights. Ive distributed this fraudulent account immediately once I because aware of it. I was told by email ( see attached ) the account would be closed due to it being opened without my knowledge or permission. For the last few months this account is not only reporting negatively on my credit report as a collections account. Its now reporting late payments. This house cost my $ XXXX of dollars in denied credit. At this point XXXX considering taking legal action. 
15 USC 1681 section 602 15 USC 1681 section 604 A 15 USC 1666B A

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 2023-01-09 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 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: United Revenue Corporation
State: TX

Complaint narrative:
I was advised by XXXX on XX/XX/23 that there are addresses and a name that is considered valid per a debt collector United Revenue Corp . The company United Revenue Corp is unwilling to provide supporting documents, reflecting this information is valid. The representative i briefly spoke with on XX/XX/23 advised XX/XX/XXXX XXXX XXXX XXXX XXXX of XXXX XXXX provided this information she does not know where they got the information from or if documents were provided reflecting the name & address they are reporting to United Revenue Corp . This company has provided the incorrect name/ addressed in regards to collecting a debt to all three credit bureaus. I have a lease and ID, showing my physical address that is where i reside now. I have not lived, or used the address reflecting on my credit. This information is not valid and will need to be removed from my credit report. I filed disputes and was advised it can not be removed as a creditor has provided the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: ME

Complaint narrative:
A check was mailed to Barclays for the entire balance as a part of credit consolidation. The check was mailed XX/XX/22 and cleared on XX/XX/22. I called the company the following week and was told no check had been received. I got a copy of the check from the issuing institution and called Barclays again, twice attempting to resolve and speak to a XXXX. I also did a chat with another associate. I was told there was a case number XXXX that was created on XX/XX/22 but it could take up to XXXX months to resolve, they would not credit my account until it was resolved and I would need to continue to make minimum payments until they reached a resolution. This is unsatisfactory, as well as it takes longer than XXXX mins to reach a supervisor. I have tried multiple times and I am left on hold indefinitely. I have given up but demand a resolution. And will I be liable for accrued interest during this time they are researching?

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 2023-01-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: NE

Complaint narrative:
US Bank contacted me, unsolicited, in XX/XX/XXXX offering a forebearance. I lived in XXXX XXXX XXXX  and the XXXX had just hit the area. I initially declined the offer, saying it wouldnt make sense to accept If I needed to just repay the entire amount at the end of the forebearance. They offered and confirmed multiple times any deferred payments would simply be put on the back end of the loan. I accepted this and we agreed on terms, and the forebearance began. A year later, they refused to honor our contract and demanded full payment of the deferred payments. 
Since XXXX of XXXX and their breach of our forebearance agreement, they have sent letters stating I need to apply for mortgages assistance. I stated I didnt need mortgage assistance, I wanted them to honor our orginal agreement. Theyve said while I didnt actually qualify with what they offered, they asked me to submit a request for assistance. Ive done this multiple times, with no answers or response as to why they breached our orginal contract. During this process, a rep named XXXX from US Bank contacted me and and offered that if I make two payments, they can then just add payments to back end of the loan. In an effort to resolve this, I accepted this and XXXX said would finalize the offer and call me back for payment which never happened. A rep named XXXX also called at a different time saying I just needed to send a letter stating I was affected by the XXXX natural disaster, XXXX XXXX XXXX XXXX, along with some loan information, and he would put all of the payments that were deferred onto the back end of the loan. I submitted this information as requested and again, US Bank still refused to honor their commitment or the follow up agreement to move the payments to the back end up alone. They now are attempting to foreclose on the home and refuse to communicate. All numbers they provide to reach the agents assigned to resolve this go to automated systems saying the agent I need to speak with is unavailable. 
Theyve locked the account for approximately 18 months preventing me from making a payment, while also demanding payment. 
I am filing a complaint that US Bank used false and deceptive offers to enter into an agreement they had no intention to honor and have refused to do so.

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 2023-01-09 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: AR

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX, # XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section XXXX ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and XXXX have got into the hands of the wrong person.

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 2023-01-09 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: CA

Complaint narrative:
Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I did receive XXXX dollars from bofa but the claim was for XXXX its the same claim but the XXXX was wrote up with different claim number the sheriff did that please co tact me at XXXX or XXXX I already made a complaint before.

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 2023-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/XXXX I visited my local Citibank branch to inquire about the discontinuation of my XXXX recurring monthly transfer from Citi to XXXXXXXX XXXX XXXX XXXX XXXX XXXX. I had always been able to see my scheduled transfers online and they no longer appeared. The branch representative could not explain where tranfers could be reviewed or why the transfer was stopped. She insisted the transfer was initiated by XXXX not Citi which I knew made no sense but I left and called XXXX who confirmed they did not and never could initiate such a transfer. On the XXXX, I called Citi technical support. The first representative said she knew there was an issue but did not explain it and the connection was so XXXX I had no idea what she was saying. After multiple requests for her to speak slowly and clearly we were disconnected. I called back and another representative explained that Citi recently switched to a new platform " XXXX '' and as a result all previously scheduled transfers were discontinued. Apparently this was explained in a letter posted online in XXXX but it was absolutely not clear to me that my funds transfer schedule would not only be disrupted but it would be permanently discontinued!! Further, I would no longer be able to establish a recurring transfer to XXXX because they do not have the XXXX platform. It is unacceptable to bury an unclear notification in a mobile app, not send a separate email and/or a physical letter, and not clearly communicate that the transfer would not occur the following month clearly enough for the customer to ensure necessary action was taken. It is more outrageous that the in branch rep did not know what the issue was and that it took multiple calls to find an actionable response. I spent half a day dealing with this. Citi did not properly inform its customers or staff or understand the implications of their platform change.

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 2023-01-09 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section XXXX ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and XXXX have got into the hands of the wrong person.

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 2023-01-09 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List or accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, # XXXX, XXXX ( original Creditor XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX original Creditor XXXX XXXX XXXX XXXXXXXX, Original Creditor # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 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: FL

Complaint narrative:
incorrect personal information on my credit report.. 
Incorrect name and address on my credit report... 

correct information on my credit report should be as follows : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
incorrect personal information on my credit report.. 
Incorrect name and address on my credit report... 

correct information on my credit report should be as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX has violated my rights. Ive distributed this fraudulent account immediately once I because aware of it. I was told by email ( see attached ) the account would be closed due to it being opened without my knowledge or permission. For the last few months this account is not only reporting negatively on my credit report as a collections account. Its now reporting late payments. This house cost my $ XXXX of dollars in denied credit. At this point Im considering taking legal action. 
15 USC 1681 section 602 15 USC 1681 section 604 A 15 USC 1666B A

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 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: MO

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX has violated my rights. Ive distributed this fraudulent account immediately once I because aware of it. I was told by email ( see attached ) the account would be closed due to it being opened without my knowledge or permission. For the last few months this account is not only reporting negatively on my credit report as a collections account. Its now reporting late payments. This house cost my $ XXXX of dollars in denied credit. At this point Im considering taking legal action.

15 USC 1681 section 602 15 USC 1681 section 604 A 15 USC 1666B A

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 2023-01-09 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: CA

Complaint narrative:
Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

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