vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
On Wednesday XX/XX/XXXX I received an email from Citi bank that they would be closing my account within 60 days, and that they were freezing my account because I violated one of the terms of their savings accounts. I have done nothing wrong, I am not entirely sure why my account is being closed and they wont tell me whats going on. I have called 8 different times and gotten several supervisors at the Citi bank call center. The first person I talked to said we could transfer my money out no problem, then transferred me to another person who hung up on me. Then one by one I call back each of the representatives that I talked to either hang up on me, or put me on a silent hold until I hung up, each one promising that they would help. I was not belligerent with anyone, but I was firm, I need to know where my {$15000.00} is, and I need to have access to it. I am a single parent raising a 3 and 6 year old, I am a full time student, and I suffer from XXXX, XXXX and XXXX. The last thing I need is a bunch of call center associates taking enjoyment in playing games with me. This is their only point of contact, so I have no other means to contact any supervisors within the company. I had associates telling me Oh yeah, dont worry, Ill make sure you dont get disconnected and then disconnecting me. I find this completely unprofessional and quite disturbing that a company would condone or encourage behavior like this. I trust my bank to keep my money safe, and I feel not only betrayed but hurt as well. Nobody should have to go through the stress that I have had to deal with over this, and I still have no answers.

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 2023-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: HUNTINGTON NATIONAL BANK, THE
State: PA

Complaint narrative:
On XX/XX/2022 I went into Huntington Bank in XXXX, PA ( XXXX XXXX XXXX, XXXX, PA XXXX ) and spoke with I person my the name XXXX. I worked with her that day to close out my checking account because there was fraudulent activity within my checking account from someone getting ahold of my account information/account number. XXXX withdrew the rest of my fund which was between XXXX and XXXX and she closed my account out. Come to find out almost a year later, my account was never closed out until XXXX of 2022 due to fraudulent charges trying to come out. Huntington Bank never contacted and if they did they never left a message to notify me. I want file a complaint and this looked into asap because they let fraudulent payments come out after I closed my account on XX/XX/2022

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-15 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: FL

Complaint narrative:
these people should be prosecuted and put in jail for what they do to people. 
I HAVE NEVER BEEN LATE NEVER MISSED A PAYMENT ON ALL OF MY 6 CREDIT CARDS AND CAR PAYMENT! I DO NOT HAVE ANY COLLECTIONS BUT MY SCORE IS NOW XXXX THIS IS WHY PEOPLE GET THESE CREDIT CARDS AND CREDIT AND DO NOT PAY, BECAUSE EVEN IF YOU PAY ON TIME OVER WHAT YOU ARE REQUIRED THEY KEEP YOUR SCORE LOW I HAVE HAD IT AND I AM SUEING THEM THIS IS REDICULUS, SO IF THEY CAN NOT KEEP YOUR SCORE LOW BY YEARS OF FALUSE MEDICAL BILLS THEN ITS INQUIRES NOW THEY ARE GOING AFTER USE WHY WOULD I GET A CREDIT CARD NOT TO USE IT? 
THIS IS ALL A SCAM FOR YEARS THEY PUT FALSE MEDICAL BILLS ON MY CREDIT THAT KEPT ME FROM BUYING A HOUSE CARS EVERYTHING THEY WOULD TAKE THEM OFF THEN ANOTHER COLLECTION AGENCY AFTER 7 YEARS WOULD SUPPOSEDLY GET IT AND PUT IT ON AGAIN AND AFTER YEARS OF FIGHTING TO GET THESE FRAUDULENT CHARGES OFF I COMPLAIN BECAUSE THEY PUT FRAUDULENT INQUIRIES ON MY REPORT NOW THEY ARE TRYING TO GET ME BACK FOR USING THE CREDIT I WAS GIVEN BECAUSE AFTER GETTING A CREDIT CARD IF YOU USE IT YOUR SCORE IS LOWERED WHAT KIND OF SCAM IS THIS NOW? why would you get credit not to use it these are all just scams that have to be stopped these people need to be put in prison

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 2023-07-14 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: MO

Complaint narrative:
notice to principle notice to principle is notice to agent the transunion Credit company aren't furnishing and accurate and incorrect information to the consumer reporting agency The recording of subject inaccurate information has caused severe damage to my character or reputation my general mode of living and my ability to optain credit personal and house hold purposes. 
you and your inaccurate reporting have damaged my liveylihood. 15 USC 1681 they also stated that they could not dispute my five derogatory accounts on my credit and they said they do not dispute the ( 45 ) hard inquiries on my account I have sent countless certified letters so I have reported them to the CFPB the federal trade and the XXXX I would like for monetary compensation since they are a violation due to 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 explanation
Consumer complaint received 2023-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: HireRight Solutions, Inc.
State: NC

Complaint narrative:
My background report states that I have a XXXX XXXX pending and that is not accurate. This inaccurate report cost me the job in which I was getting the report for.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I received 2 emails that appear legitimate that someone was attempting to use my email to 1st open a checking account on XX/XX/23. On XX/XX/23, I received another email for a failure to qualify for a savings account of some sort. I've never engaged in business with Bank of America. I don't know if my personal info has been acquired or not

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 2023-07-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: NE

Complaint narrative:
I am receiving emails from Indebted about an account XXXX XXXX XXXX has and appears to have something to do with COMENITY CAPITAL BANK ( in partnership with : XXXX XXXX XXXX XXXX ). We haven't done business with either companies so there should not be any account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: BMO BANK NATIONAL ASSOCIATION

Complaint narrative:
I have been locked out of my BMO Harris High Yield Savings account for the last few weeks, and have tried more than four times to call the bank to get reconnected. As I'm based now in the XXXX, each of these calls, which have been 10-40 minutes each, cost me a lot of money. I have yet to access my account. On the most recent call, after 20 minutes on the line with one representative, I was told that I'd need to connect with the fraud department, with a 40-minute wait, and that they would not be able to call me back or give me a number that I could call back at a later time, or give me an email or other way to communicate with the bank. I'm so frustrated that I've completely lost access to my money and have no way to get it back.

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 2023-07-14 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Problem with customer service — 
Company: Atlanta Check Cashers, Inc
State: GA

Complaint narrative:
The company just flat refused to cash my money order. Said they dont cash them any more. Even though they did 2 weeks ago. The refused to cash one last week because they claim I didnt endorse it in front of them. 

I personally believe I was being racially discriminated against being a successful hardworking XXXX  man.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14 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: OH

Complaint narrative:
My XXXX XXXX credit card has been paid to {$0.00} since XX/XX/2023. I disputed my balance with XXXX and no changes were made. 

My XXXX XXXX credit card has been paid to {$0.00} since XX/XX/2023. My credit report does not reflect that.

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 2023-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX reported twice XXXX acct ending in XXXX. Account number 2 not being reported which ends in XXXX. Its showing as a closed account which is open.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
These inquiries are fraudulent and not authorized by me, and please remove these unauthorized inquiries on my credit report. 
In accordance with the Fair Credit Reporting act XXXX  Accounts 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 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 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 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 ha

s 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 2023-07-14 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: AL

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.

The letters are stated with items and issues. 

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 2023-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Credit Karma, LLC
State: TX

Complaint narrative:
Subject : Complaint Regarding Credit Karma 's Failure to Close My General Account Dear XXXX Customer Service, I hope this message finds you well. I am writing to express my deep dissatisfaction and frustration with the recent experience I had with Credit Karma regarding the closure of my general account. Despite multiple attempts and requests, Credit Karma has been unresponsive and unwilling to close my account, which has led me to reach out to you for assistance. 

To provide some context, I have been a loyal Credit Karma user for several years, relying on their services for monitoring my credit score and managing my financial information. However, due to personal reasons and a change in financial strategy, I decided it was in my best interest to close my general account and discontinue using their services. 

I followed the prescribed process provided by Credit Karma to close my account, carefully adhering to their guidelines. I submitted multiple closure requests through their website, ensuring that I provided all the necessary information they requested. However, to my surprise and disappointment, my requests were met with silence and disregard. 

Despite my repeated attempts to contact their customer support, both through email and their designated helpline, I have received no response or assistance. The lack of communication and support from Credit Karma has left me feeling ignored and helpless, as I am unable to proceed with the closure of my general account. 

I am deeply concerned about the security of my personal and financial information, as the account closure process should be a straightforward and prompt procedure. Credit Karma 's negligence in addressing my request raises serious questions about their commitment to customer service and data protection. 

As a valued XXXX customer, I kindly request your intervention in resolving this matter. I urge you to reach out to Credit Karma on my behalf and emphasize the importance of their prompt response and action in closing my general account. Additionally, please ensure that appropriate measures are taken to safeguard my personal information throughout this process. 

I trust that XXXX, as a reputable and customer-centric organization, will take this matter seriously and address it with the utmost urgency. I appreciate your understanding and assistance in resolving this issue and ensuring a satisfactory resolution. 

Thank you for your attention to this matter. I look forward to hearing from you soon and having my general account closed promptly. 

Yours sincerely, [ XXXX XXXX ] [ XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14 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: The Bureaus, Inc.
State: DE

Complaint narrative:
1. The Bureaus Inc., have sent me : XXXX as the collection account number, this is not the account number they put into collections on all three credit bureaus, which is : XXXX. This is inaccurate. 

2. The Bureaus Inc., have reported this account as " open '' and " closed '', inaccurately across all three bureaus. It is closed, not open! This is inaccurate. 

3. The Bureaus Inc., report the Date of last activity was XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Inaccurate on all three bureaus. 

4. The Bureaus Inc., have reported Date Reported as : XX/XX/XXXX, and XX/XX/XXXX. Inaccurate on all three bureaus. 

" The federal Fair Credit Reporting Act ( FCRA ) promotes the ACCURACY, fairness, and privacy of information in the files of consumer reporting agencies. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14 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: SANTANDER HOLDINGS USA, INC.
State: IL

Complaint narrative:
After looking at my credit report I noticed that there was a negative entry on my report that has stemmed from Identity Theft and I am not responsible for. The date the account was opened was in XXXX of XXXX  and the fraudulent amount {$18000.00} that I am not responsible for. I have read and understand my rights under sections 605B and section 609. Furthermore my information was passed on to third party consumer agencies that is a violation of my federal consumer rights. I have not reached out to the company however I did file a police report and a IdentityTheft report and mailed them to all three major credit bureaus fraud department.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14 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: TX

Complaint narrative:
I sent a a letter to each credit bureau, XXXX, XXXX, and TransUnion on XX/XX/2023 to correct some errors on my credit report. I have attached the letters that were sent to each bureau and none of the bureaus responded to my letters. There are accounts that are reporting totaling different amounts to each bureau for the same account which proves inaccuracies. I have not received anything back from any of the bureaus and its been over 45 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 2023-07-14 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent a a letter to each credit bureau, XXXX, Equifax, and XXXX on XX/XX/2023 to correct some errors on my credit report. I have attached the letters that were sent to each bureau and none of the bureaus responded to my letters. There are accounts that are reporting totaling different amounts to each bureau for the same account which proves inaccuracies. I have not received anything back from any of the bureaus and its been over 45 days..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-14 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: AZ

Complaint narrative:
Please eliminate these deceptive accounts from my credit report as I never authorized anyone to use my account. Kindly remove this incorrect 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 non-monetary relief
Consumer complaint received 2023-07-14 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: AL

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.

The letters are stated with items and issues.

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 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 2023-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
XXXX has a broken online system. I told them that they reported my account was closed at XXXX in which I don't consent to XXXX storing my information ever. Similarly, when I go to their website, the website doesn't work properly. The individual on the phone on XX/XX/XXXX hung up on me and refused to help. This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: MD

Complaint narrative:
While I was XXXX  in a XXXX facility my sister used my banking information which contained my retirement savings and instead of taking care of my medical expenses she instead use it for her own personal expenses like cruises, home improvements etc.

Company response to consumer: Closed with explanation