vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
Earlier this afternoon I went to the Citizens Bank at XXXX XXXX XXXX in XXXX, MA. The bank manager, person serving me, was unprofessional. I went in to get a money order/check and make a withdrawal. I provided my ID since I was asked for my debit but did not have my debit card. She asked me where my debit card was and I responded not with me at the moment hence why I provided my ID to which she responded asking me where my card was and if it was lost. Then she proceeded to take several minutes looking over my account which wasnt needed since all I asked was for a withdrawal and a money order and questioned another worker there if anything else was needed to which the worker indicated that there wasnt. She made it seem like I was doing something criminal and I provided her everything she needed. This was the only time I ever visited this particular Citizens Bank and her behavior was disgusting and unprofessional and seeing as she was an actual bank manager, absolutely unacceptable. I have worked at a bank previously and this was beyond horrible customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Hello there, I opened a XXXX card XX/XX/22. I proceeded to use the card and received my first statement via mail. I called the number on the back of the statement which is Comenity capital bank and made the payment over the phone ( this phone call should be recorded in their system ). I then received a phone call regarding the payment being late which i let them know it was already paid, and they removed the late charges during the phone call and said they would look into it. I then received another notice in the mail with a higher amount for a late fee. I checked my account and noticed i did not see a charge during the time period that i made the payment to Comenity bank. I gave them another call and explained that i attempted the payment and they mentioned there must of been a glitch or hiccup in their system. They mentioned they would have the late fees removed and i proceeded to make the payment again online with someone, during this same phone call i asked for the card to be cancelled as i did not want these issues to arise in the future. This issue falls on XXXX and their payment system. After many phones calls these late fees and a closed credit card has drastically impacted my credit. I urge that this issue please be looked at and removed as they stated this many times in the above phone calls that their system glitched during payment and all late fees would be removed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-21 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: TX

Complaint narrative:
Please Im trying to dispute this because Ive already contacted the collection agency on XX/XX/2023 at XXXX and I called them again on XX/XX/2023 at XXXX and they told me theyre still working on it, so I called again on XX/XX/2023 so they put me on hold for two hours and what they told me was they telling me they cant do it because it being verify.

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 2023-06-21 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: IN

Complaint narrative:
NAME : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, IN XXXX Email : XXXX 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. 

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 report 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 CONSEN to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume! lam demanding the deletion of the 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 2023-06-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern.

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 2023-06-21 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: NH

Complaint narrative:
( See complaint : XXXX, which remains unacknowledged by Experian as of XXXX XX/XX/ XXXX  ) I have discovered multiple unrecognised and unauthorised enquiries on my personal credit file. Experian has not responded to three requests for additional information about this access, and specifically, identification of the 'permissible purpose ', required by law. 

Copies of my requests for the required information from Experian have been uploaded, the most recent of which was sent by Certified United States Mail. Proof of delivery ( signature ) is included. 

These mail requests were sent to Experian on the following dates 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 2023-06-21 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: NC

Complaint narrative:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the 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 2023-06-21 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: 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 non-monetary relief
Consumer complaint received 2023-06-21 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: IN

Complaint narrative:
NAME : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, IN XXXX Email : XXXX 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. 

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 report 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 CONSEN to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume! lam demanding the deletion of the 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 non-monetary relief
Consumer complaint received 2023-06-21 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:
NAME : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, IN XXXX Email : XXXX 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.

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 report 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 CONSEN to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume! lam demanding the deletion of the accounts listed IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
On XXXX I deposited a check for {$390.00}. Initially Chase said the my funds wouldnt be deposited on the XXXX and then changed it to XXXX. After speaking with customer service, they were able to contact the issuing bank and verify the check. However the two representatives I spoke with both claimed that they could not verify the check makers number in their private system and still refuse to give me access to my funds or cancel the deposit so that I can cash my check elsewhere. They also refuse to call the company that issued the check in the first place because none of the numbers can be verified in their system. One rep told me that the verified number is the one that the company uses to register their business with the state. However, even after I looked up that number, they continue to tell me its not verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
I have been on a payment plan with credit acceptance for years. I really had no idea how much I was over charged for the car by dealership due to only being able to use credit acceptance. No matter how much I struggle I strive to get ahead of the loan so it does not continue to ruin my credit. While on a payment plan I asked several times for late fees and previous repossession fee be reviewed. My remaining balance is XXXX. Even after putting all my income tax I am still XXXX is past due. I am more than 80 % paid with this loan yet if I ask for the past due to be placed in the balance instead of past due on my credit report I am Told they cant help me and I can not speak with any other department but collections. I have explained and pleaded with them that I am trying to obtain better credit to pay the loan off or refinance but with the past due always reporting it makes my efforts of paying XXXX bi weekly seem like I will continue to fail with this company my initial balance was XXXX and I only have XXXX. Left to pay off which is primarily fee I really feel the past due should be able to be negotiated better than a constant negative impact on my credit for over 5 years. I am spoken to with great disrespect when I call. I am told I can not speak with anyone about loan charges or options to get caught up with past due other than making the biweekly payments. I feel this loan is predatory and I was charged over an estimate of {$10000.00} above XXXX XXXX value of car and the dealership told me it was because or the rules of credit acceptance and my credit worthiness which is just predatory and wrong I am a single mother and I work really hard. I feel as a consumer these types of loans keep consumer like me in a low credit range.

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 2023-06-21 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: CL Holdings LLC
State: GA

Complaint narrative:
CEASE AND DESIT VOLENTI NON FIT INJURIA to a willing person, it is not a wrong JEFFERSON CAPITAL SYSTEM company this is a written request for you to cease and desist all forms communication with me effective immediately.

12 CFR 1006.6 ( c ) ( 1 ) ( c ) Communications with a consumerafter refusal to pay or cease communication notice ( 1 ) Prohibition. Except as provided in paragraph ( c ) ( 2 ) of this section, if a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wants the debt collector to cease further communication with the consumer, the debt collector must not communicate or attempt to communicate further with the consumer with respect to such debt.

15 USC 1692 ( c ) c ( c ) Ceasing communicationIf a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumerwith respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.

If such notice from the consumer is made by mail, notification shall be complete upon receipt.

Furthermore you have no jurisdiction or authority to collect on this allege debt.

( b ) Authorization of actions Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors.

volenti non fit injuria Volenti non fit injuria is Latin for to a willing person, it is not a wrong. This legal maxim holds that a person who knowingly and voluntarily risks danger can not recover for any resulting injury. This principle is the common-law basis for the assumption of the risk doctrine.

You JEFFERSON CAPITAL SYSTEM knowingly and willingly purchased or was assigned this alleged debt knowing fully the consequences and risks that came with the possession of said alleged debt YOU CAN NOT CRY INJURY OR DAMAGE FOR RISK YOU WILLINGLY ASSUED TO TAKE ON Volenti non fit injuria Delete this alleged debt from your databased and DELETE this account from any consumer reporting agency that you may have furnished this deceptive and inaccurate information to.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I received a credit reporting notice that a late payment was reported on my credit report. I investigated and found that Kohls reported a late payment to my credit report. I looked up my account on the Kohls charge card site to find that the autopay that I had previously setup was no longer setup and my payment wasnt processed. This resulted in a 30 day late payment being reported to my credit file. I spoke with Kohls credit card customer service and they will not fix the 30 day late payment and have refused to acknowledge that my autopay was cancelled by them when my account balance had been at a {$0.00} level. I was not notified of the late payment until after the 30 days had passed. See attached screenshot showing the only notification that the payment was late, this was a voicemail that I received on XX/XX/XXXX, 1 day past the 30 day late mark.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-21 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I applied, and was approved for a new {$10000.00} XXXX bank CD with XXXX XXXX ( powered by Webster Bank ) XXXX XX/XX/XXXX. I noticed that {$10000.00} was taken out of my funding source XXXX XXXX XXXX XXXX the very next day ( XX/XX/XXXX ) for this CD. Then, I opened an online account with XXXX XXXX and noticed that my balance for my CD is still showing as {$0.00}, even to this day ( XX/XX/XXXX ). How come? I should have received daily accrued interest with XXXX XXXX ( Webster Bank ) through this CD since XX/XX/XXXX, when they successfully withdrew my money from XXXXXXXX XXXX. I called and talked to a supervisor yesterday at XXXX XXXX customer service, and he said that I should see my {$10000.00} balance finally appear in my CD account by XX/XX/XXXX. But this delay in acknowledging receipt of my {$10000.00} is a deceptive banking practice by XXXX XXXX, no?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
I deposited {$11000.00} on XX/XX/XXXX and was not warned my funds would be held. I chatted in yesterday and was told it couldnt be released, and my funds would be held until XX/XX/23. When I asked to speak to a supervisor I was told I had to call in Super inconvenient to switch contact channels but whatever. The supervisor I spoke with stated that even though she could see that my funds were verified and received by Marcus by GS from the transferring institution, my funds would be held anyway. Typically banks hold funds for 1-3 business days but to hold them for 6-7 business days?? Its absolutely ridiculous! Especially since Ive transferred amounts much larger than this from the same transferring bank!! Nothing has changed from the transferring bank into this account, Ive NEVER had any deposit return, and this account has been open for over a year! I do not see the justification for holding these funds. I only intended to hold the funds there temporarily until I could plan what I needed to do with the funds.

I need these funds released so that I can pay off my car. Each day that goes by with Marcus by GS holding my funds is another day interest is accruing. Does Marcus by GS intend to pay for the accrued interest due to the unjustified hold??

Never once was I told there would be a hold until I actually hit transfer and it was completed. Had I know it would be held I never wouldve transferred it to this shady company. 

I need my money ASAP and I ABSOLUTELY WILL be terminating my relationships with GS.

Company response to consumer: Closed with explanation