vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-04 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: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
Cash back credit card under both my husband and my name. Husband passed away in XX/XX/2023. I have been using card and paying balance off each month since, gaining reward money as well. 
I went to make a purchase on XX/XX/23 and bank declined. I could not access my account online. Called customer service # and was advised the card was CLOSED as they were notified my husband ( primary user on card ) was deceased. I received NO NOTIFICATION of closing and I AM listed on card. 
I asked about the Rewards money I had earned - I can not access online to transfer the earned money. I was told once the account is closed it is closed. 
No notice of closing an account - I have no way of accessing my Rewards money- yet I am still responsible for paying off the balance? 
I do not think this is fair or legit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-04 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NE

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

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 2023-06-04 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: GA

Complaint narrative:
I called Transunion to report these false inquiries that were unknown to me and asked them to remove them and they wouldnt. I told them that they were done fraudulently.

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 2023-06-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CL Holdings LLC
State: NE

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Transform Credit Inc.
State: CA

Complaint narrative:
Hello, I cosigned on a loan for an acquaintance in medical school and now that individual is unfortunately no longer responding to me and I have decided to default in the loan. 

XXXX : I expressly requested via text that the lender not deduct funds from my account XXXX : I was called by TransformCredit to confirm a payment for the collections. I informed the rep that I did not want to move forward continuing these payments, understanding the risk of defaulting. She verified the consequences ( eg litigation, wage garnishment ) and I verbally confirmed and she stated she would remove my bank routing number. 
XXXX : the lender messaged me via email that they would charge my account and to confirm funds. The amount was deducted anyway and I responded on XX/XX/XXXX to request again that they do not continue deducting from my account XX/XX/XXXX : despite the full amount collected ( bringing me out of potential default ) they say I am still at risk at defaulting. At this point debt has been collected. 

I understand my obligation is contractual however I am trying to separate myself from this individual financially. I am so desperate because I can not continue to make these payments. Thank you for letting me submit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY

Complaint narrative:
I recently took out a personal loan, through XXXX XXXX XXXX XXXX, to consolidate Credit Card debt. This complaint is NOT against XXXX XXXX XXXX XXXX. It is solely against USAA. 

On XX/XX/XXXX, two payoff checks were sent to USAA to pay off the balances on the two credit card accounts below, as is detailed in the loan agreement attached. 

Rate Advantage Platinum Visa Account Number XXXX XXXX XXXX XXXX Signature Visa Account Number XXXX XXXX XXXX XXXX Despite repeated efforts to request USAA process the payoff and/or investigate as to where the funds were delivered and why they were not applied to pay off the balance, including the recent chat transcript attached below, USAA continued to willfully assess interest charges on both accounts ( summarized below ). 


Rate Advantage Platinum Visa XX/XX/XXXX, XXXX XXXX, 2023 Interest On Cash Advances Finance Charge - {$61.00} XX/XX/XXXX, XXXX XXXX, 2023 Interest on Purchases Finance Charge - {$130.00} Signature Visa XX/XX/XXXX, XXXX XXXX, 2023 XXXX XXXX XXXX XXXX XXXX XXXX - {$30.00} XX/XX/XXXX, XXXX XXXX, 2023 Interest on Purchases Finance Charge - {$86.00} XX/XX/XXXX, XXXX XXXX, 2023 Late Charge Fees & Charges - {$25.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NC

Complaint narrative:
My previous mortgage company XXXX received Payments from the North Carolina housing assistance fund but never applied the funds to my account. Then they transferred my mortgage to Shellpoint mortgage who says that I owe them the missing approximately {$20000.00} and is threatening to foreclose. They both have defrauded North Carolina. I have and have given Shellpoint the wire Transfer ID numbers from NC and Shellpoint says it's working on it. I also have the local XXXX XXXX working on it as well as XXXX XXXX office working on it. These companies are foreclosure companies first and mortgage servicers last and should lose their licensing. They'd rather terrorize me than exert themselves in any way to resolve the matter. They seem to be working on it now while also threatening foreclosure. I was supposed to resume payments in XXXX of this year but they said not to because it would be considered a partial payment and they couldn't accept it. The same thing happened in XXXX then they sent a default letter including legal fees in XXXX. Now it's the first of XXXX and no resolution yet but we do have a phone appointment for Friday XX/XX/XXXX at XXXX with Shellpoint. Thanks

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have attached an FTC report with fraudulent collections and fraudulent inquiries

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have attached an FTC report with fraudulent collections and fraudulent inquiries

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 2023-06-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have attached 2 FTC reports with fraudulent collections and fraudulent inquiries

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 2023-06-04 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

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 2023-06-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: SANTANDER HOLDINGS USA, INC.
State: NM

Complaint narrative:
My housekeeper who has no credit history needed a vehicle after her old one was stolen. I agreed to co-sign for a loan so she could purchase a XXXX XXXXXXXX XXXX. When I inquired at XXXX XXXX, XXXX XXXX, NM, about the finance company, I received no answer and didn't learn about the company till they sent me their billing information as a co-owner. I was horrified that the interest rate was nearly 12 % and this company wants payments from both my housekeeper and me. I researched the finance company and learned it was a subprime lender, Santander Consumer USA, already being sued for fraud in 2 states. I have tried texting and phoning them about their interest rate but have received no response. If this 72 month loan is paid off, it would amount to about {$9000.00} extra in their pocket. I consider it a rip off and wonder if this company is actually legitimate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY

Complaint narrative:
I recently took out a personal loan, through XXXX XXXX XXXX XXXX, to consolidate Credit Card debt. This complaint is NOT against XXXX XXXX XXXX XXXX. It is solely against USAA. On XX/XX/XXXX, two payoff checks were sent to USAA to pay off the balances on the two credit card accounts below, as is detailed in the loan agreement attached. 

Rate Advantage Platinum Visa Account Number XXXX XXXX XXXX XXXX Signature Visa Account Number XXXX XXXX XXXX XXXX Despite repeated efforts to request USAA process the payoff and/or investigate as to where the funds were delivered and why they were not applied to pay off the balance, including the recent chat XXXX attached below, USAA continued to willfully assess interest charges on both accounts ( summarized below ). 

Rate Advantage Platinum Visa XX/XX/XXXX, XXXX XXXX, 2023 Interest On Cash Advances Finance Charge - {$61.00} XX/XX/XXXX, XXXX XXXX, 2023 Interest on Purchases Finance Charge - {$130.00} Signature Visa XX/XX/XXXX, XXXX XXXX, 2023 Interest On Cash Advances Finance Charge - {$30.00} XX/XX/XXXX, XXXX XXXX, 2023 Interest on Purchases Finance Charge - {$86.00} XX/XX/XXXX, XXXX XXXX, 2023 Late Charge Fees & Charges - {$25.00} I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience. 

The CFPB will take steps to remove my personal information from this description but someone may still be able to identify me. Learn how it works. I consent to publishing this description after the CFPB has taken these steps.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
I received a Debit card from M & T Bank in the mail. I never open an account with this bank. When I contact the customer service from M & T Bank asking question pertaining to that account, I was told the account was flagged as fraud and the account was closed. I sent a letter to the Bank asking for confirmation that the account was open in a fraudulent matter and the account has been closed. As of today I have not receive a response to my request.

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 2023-06-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I did not open any account with this bank

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 2023-06-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
WELLSFARGO froze my account had no access to account they notified me my deposit will be on hold .after someone withdrawed money without my knowledge or consent I had identity theft since that they forward and they did not returned my money but they did closed 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 2023-06-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have been trying to get the account XXXX XXXX  remove from my Experian credit file. I have ask them to remove this item because it is FRAUD, I have sent them the FTC report and police report but they refuse to remove it. Pursuant to 18 USC8, this company is violating my consumer right to privacy, pursuant to 15 USC 1681b2

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 2023-06-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I was hired by XXXX XXXX, which services patients through electrical health records. I was interviewed online and it was a lengthy one. I was hired a few days later and signed a job offer letter. It is a remote job so they informed me that we must purchase the equipment. I was sent a check totaling {$4600.00}. It was XXXX  to me overnight with a letter of instructions stating that I have to email the responsible accountant and the hiring manager with all the deposits I make. They asked me to deposit it in my account through the bank 's app or an ATM. I wondered if it's ok to deposit it through a teller and they said it is ok. I wanted to eliminate all suspicions and ask the teller if it is a real check or not. When I asked the teller at Citizens Bank she looked at it and asked her fellow associate if it is real. Her associate said that checks sometimes look like that because it was looking a bit different. so she ran it through the machine and it was ok. and the associate said if it goes through the machine that means it's legit. And they informed me that it will take 24 hours to clear.

So I took the receipt and went home to send it to the hiring manager and the accountant. The next day when the check cleared the hiring manager told me that the vendor for the equipment is down and we have to transfer the money directly to the vendor 's account. so I did three transfers through XXXX and the rest through a wire transfer. And every time I get a receipt for the transaction I sent it to the hiring manager and the accountant.

so the manager told me that I will get the equipment within a couple of days. The next day I got a check for {$7900.00} with the same letter of instructions. At this point, I was very suspicious and felt that this is a scam. But didn't know what kind of people I am dealing with so I wanted to cut my loss and apologize that I can't continue with the company because I got a new job. The manager told me to trash the new check. 
a couple of days later I saw my account and it was $ XXXX I tried to reach out to the bank and they informed me that the owner of the check reversed it. So the bank had to give the money back. when I asked can the bank do this? they said yes the bank can take back any money they deposit into my account. So I went to the branch where I deposited the check and asked to speak with someone. After telling the e customer service the story. she said it was my fault. she didn't even ask me about my name or pulled my account. instead, she was smiling very sarcastically. like she was happy I got scammed. I told her why would make the funds available instead of pending to verify the check and she said why would I bring them such a check.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 -ACCOUNT NAME : XXXX XXXX XXXX XXXX Account Number : XXXX -Account Name : XXXX XXXX XXXX, Account Number : XXXX -Account Name : XXXX XXXX XXXX Account Number: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 2023-06-04 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: KY

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. Each account below has debt that is not mine : Account # XXXX Account # XXXX Account # XXXX The accurate amount of debt on each account is {$0.00} as it is not mine. My only address is XXXX XXXX XXXX XXXX # XXXX XXXX, KY XXXX since XX/XX/2000 until XXXX. No valid information of mine is associated with any additional addresses that may be reporting as mine. Each company from Account # XXXX, Account # XXXX, and Account # XXXX has all failed to provide a valid wet signature from me. The status of each account should be closed due to required deletion as the debt is not mine. 
These debts on my account are not mine. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer reports under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of accounts listed IMMEDIATELY!

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 2023-06-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: V and H Portfolio
State: CA

Complaint narrative:
The collection company called me that asked me for debt collector, I told them I am not owe to any bank or company. This is the identity theft and they told me the only is XXXX if you pay XXXX, they told me if you pay XXXX we're not gon na call you anymore and we're going to close the case and you don't need to report to the police department. I told him XXXX is nothing for me and promise me don't call me again and don't send it to Credit bureau. XXXX I just record the voice and they promised me they are not going do that, end of the communication with the collection agency. I told him I had XXXX XXXX XXXX and I lost my memories. I don't know any idea about this, But this week I just saw the reporter today, XXXX XXXX, credit bureau, and the damage. My Credit story, then I called him. I told him to see dad was the identity theft

Company response to consumer: Closed with explanation