vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-21 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: ProCollect, Inc.
State: MD

Complaint narrative:
A collection acount appeared on my credit report since XX/XX/XXXX showing that I owed balance from the XXXX XXXX, an apartment I lived in XXXX. So I contacted the XXXX XXXX on XX/XX/XXXX and got their email reply showing that I don't owe them anything, there must be something wrong with the collection agency ProCollect. I called ProCollect on the same day and sent them my email correspondence with XXXX XXXXXXXX XXXX and asked them to remove the account on my credit report. This account disappeared on my credit report after few weeks, so I thought it's finished. On XXXX XXXX, I got a call from ProCollect again asking me to pay the account. I reiterated the story to that person again and sent them everything again through email on the same day, never get their reply. Until XXXX XXXX, I was applying a new apartment, this collection account appeared again on the tenant screening report from XXXX XXXX, and the application got declined due to this account. Now XXXX asked me to provide a letter from ProCollect showing that this account wasn't mine, but ProCollect was saying that this account wasn't mine so they won't provide anything to me. Neither of them would like move forward for my case, but the account is still on the report and damaging my housing application!

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 2023-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IA

Complaint narrative:
I dont know how to go about it so many people are hacking my name emails XXXX and XXXX and using my social security number and opening accounts and everything else please I need help they dont help me at all I want a freeze and I want everything cut off or somthing I had good credit last I remember it was in the 700+ when I took my XXXX XXXX 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 explanation
Consumer complaint received 2023-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened a checking account at Citibank. I updated the account on my vendor sites ( rent, utilities, etc. ) but kept getting notifications that my payment wasn't going through. After a few phone calls with Citibank, I realized that they had given me the wrong routing number. Unfortunately, that didn't help the fact that I had accrued several bounced check and late fees not to mention the many hours I spent on the phone trying to remove the fees when possible and talking to the bank to try and figure out what was going on. 

I also had trouble receiving direct deposits which is to say no direct deposits were getting into my account. After hours on the phone trying to figure out why my deposits weren't going through, ( talking to both payees and the bank ) no one was able to figure out why the deposits were not going through, so I decided to switch to a XXXX account. Everything was fine once I switched. 

However, I am still dealing with late and bounced check fees from my vendor sites. Citibank has told me they would open disputes on vendors that were charging me these fees, but that means I will have to keep my account open even longer causing even more confusion with my vendor sites. I really want to close the account and move on. 

The way I see it, Citibank owes me hundreds of dollars to cover my vendor fees, all the time I spend on the phone, and all the stress they have caused. Please help.

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 2023-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Block, Inc.
State: AR

Complaint narrative:
I received a business debit card from Square issued by XXXX XXXX. I never applied for a Square checking account. To receive a Square debit card, I would need to first open a checking account with them. My credit is frozen so both Square and XXXX would not be able to issue me a new account as I never had a previous account with either entity. It should be on Square to ensure the proper identity of the person opening the account. I called XXXX XXXX  to relay the problem of the open checking account with Square and XXXX 's business account debit card but all they could do was to just cancel the debit card and inform Square that the account was likely fraudulent. My issue is that Square opened the checking account without their due diligence of ensuring that the account was not opened fraudulently. Likely the fraudulent Square checking account will be used to falsely charge credit cards so that the scammer can withdraw the cash at a later point. If the credit card charges are investigated, then my name is on the account as the owner and may trigger a police warrant. If feel that Square is trying to capture market share by opening Square accounts and making it too easy to open accounts for scammers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 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: CA

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. XXXX, XXXX and TransUnion are required to authenticate this accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX Balance : {$15000.00} XXXX  XXXX XXXX Balance : {$2800.00}

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 2023-08-22 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: CA

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. XXXX, Equifax and XXXX are required to authenticate this accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX Balance : {$15000.00} XXXX  XXXX XXXX Balance : {$2800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21 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: DISCOVER BANK
State: TX

Complaint narrative:
To provide context, On XX/XX/XXXX, the Honorable Judge of The XXXX XXXX PCT. XXXX in XXXX XXXX, State of Texas, conducted a trial between Plaintiff Discover Card and Defendant XXXX XXXX. After a thorough review of evidence and testimony, the court concluded that the Plaintiff had failed to substantiate the claims made in the petition. The court 's verdict was clear and unequivocal : " It was ORDERED, ADJUDGED AND DECREED by the court that the Plaintiff Discover Card take nothing of the Defendant XXXX XXXX, and this case is hereby dismissed with prejudice. '' Upon receiving a copy of the signed court order, I promptly informed XXXX, XXXX, and XXXX about the inaccuracies that Discover Card has been reporting since XXXX. A copy of the court order was also provided to XXXX, XXXX, and XXXX. I requested all data, account information provided by Discover Card be removed immediately from my credit file.This inaccurate reporting is not only unjust but also constitutes a violation of the Fair Credit Reporting Act. Discover Card has since reported to the credit bureau 's that they are reporting the account accurately. A court order on XX/XX/XXXX states Discover card has failed to prove this allegation and I ( XXXX XXXX ) owe Discover Card nothing! ( See attached court order ) Discover card has reported and continues to report inaccurate information and this has no legal right to do so. Any account reported inaccurate shall be deleted, states the law. I demand Discover Card remove all data they have reported to the credit bureaus within 24 hours of receiving this complaint. Discover Card is in violation of the law and this is my final attempt to resolve this matter. If this matter is not resolved within ten days of the date of this complaint, this matter will be turned over to a consumer law firm to file for damages for each violation and all financial damages caused by Discover Card. 

Discover Card 's consistent reporting of erroneous information has inflicted serious harm on my ability to secure credit, leading to higher interest rates and damaging my financial reputation since XXXX. Moreover, this situation has taken a significant toll on my mental and emotional well-being, creating undue stress and XXXX. The inaccurate reporting has affected my capacity to access affordable credit, thereby obstructing my financial growth and stability. 

I request assurance that such inaccuracies will not recur in the future, safeguarding both my financial well-being and mental health. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
In XXXX I opened 2 accounts online at Citizens bank website as I received a promotion to open accounts with an offer code to receive {$600.00} when I meet the requirements. I reviewed my statements and never received the promotion offer as I met the requirements. I called citizens bank on XXXX and a team member told me that he can not look into to it because they do not have my account application in file that shows my promotion code. I explained that I did in fact know that banks have to file my records and he said no they do not and I asked to submit a complaint and he refused. I then I asked him again that why and he began to to say bye thank you for your feedback and refused to take my complaint. I then asked for his name which is XXXX and he then proceeded to say let me look into this. I noticed that this department had a long wait time and this department was specifically for bonus offers not paid. I suspect this department has not been submitting cases and XXXX the rep wanted to rush me off the phone until I stated I want this complaint to be file and I want a complaint number. I have not received a call from citizens bank but I believe they are scamming customers into opening accounts with promotion codes and not following the guidelines and terms. I want this to be escalated immediately and this has caused me stress and I believe Im being discriminated against

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 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: NY

Complaint narrative:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. I feel like I'm being taken advantage of and being ignored. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable account that is kept to be established as correct. I am in desperate need of this item to be INSPECTED and REMOVED. 

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 explanation
Consumer complaint received 2023-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: NE

Complaint narrative:
I never had any deposit accounts at Wells Fargo and any account that shows with my information is fraudulent and was opened without my permission

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 2023-08-21 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: NY

Complaint narrative:
After several contacts and discussions with Al three bureaus I have not able to have these incorrect items from my report as they have individuals information that doesnt belong to me or match my credit activities with all bureaus. Now that I have exhausted all the remedies under their guidelines, I would request that cfbp get involved However their verification method and processes violated my consumer rights and still impeding me from utilizing my credit privileges allowed under the law. They have not send me any original documents nor did they explain why these erroneous reports are on my file. I intend to pursue this matter until deletion of all derogatory items listed on 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 non-monetary relief
Consumer complaint received 2023-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Deposited {$1000.00} check on XX/XX/XXXX via mobile check deposit. 
Received notice that funds are not available for withdrawal next business day on or about XX/XX/XXXX. 
As of today ( Mon XX/XX/XXXX ) Capital One has failed to make funds available after 11 business days and has not provided any timeline for when funds will be available in violation of Regulation CC. Capital One refuses to work with bank check is drawn from to confirm availability of funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have carefully drafted a letter after reading about fixing my credit on my own. 
I have wrong names and addresses and previous employers that are wrong and multiple accounts that are labeled as charge off with balances still owed and that is illegal to report that along with the fact I never received a 1099 for these items and some other accounts I was not late on and don't belong to me. I demand you delete this non-compliant listing on my credit, or I will seek damages in court

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 2023-08-21 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: FL

Complaint narrative:
I recently received my credit report with a wrongful charge by XXXX XXXX on behalf XXXX XXXX XXXX XXXX  under my name. It states that a line of credit was opened on XX/XX/2022 in which I have not opened, signed for or authorized in any way. 

My daughter XXXX was living at the address this loan is associated with and in which I co-signed for her lease, but I never authorized taking out a loan from XXXX XXXX and didnt even know of such thing existing until I received my credit report. 

Furthermore, XXXX was trying to pay the amount owed of {$910.00}, but there is no way of doing so on the app that is used for such and weve tried calling and emailing the company, but you get the run-around. Company does not answer phone. They direct you to email support and then you get no response.

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 2023-08-21 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I moved out of an apartment everything was left clean and immaculate everything was paid and then I see a collection on my credit report from this rental company for no reason trying to charge me {$4500.00} for a dog cage they said that was left in the backyard mind you I did not even own a dog!! This is an error and it's impossible to speak with anyone that will help! Ive always paid my bills on time and never had any issues and now I need to move and this collection that SHOULD NOT be on my report is hurting me from getting a new home. PLEASE HELP!! These people XXXX are liars and won't even bother responding to my letters requesting PROOF!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANCO POPULAR DE PUERTO RICO
State: NE

Complaint narrative:
Bank accounts were opened fraudulently and without my permission

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: DISCOVER BANK
State: TX

Complaint narrative:
First, I personally never received a phone call, the call family members and leave messages with them. In turn, my family members have let me know. This has just happened today ( XX/XX/2023 ) and the message is from a XXXX XXXX claiming to be with County PSD Division, and says there are legal documents requiring my signature. She then gives a phone number, XXXX and says to reference case file # XXXX. I proceeded to call the number and a man answers the phone very quickly and you can't understand who the company is that he is working for. I was very nice initially giving him the case number and he then proceeds to tell me that a civil case is being processed on me regarding and outstanding debt. I then questioned him on what the debt was and he proceeds to tell me it's a Discover Credit Card. I told him I've never had a Discover Credit Card as you can pull my credit report and see there has never been one. He then proceeded to threaten me saying a judgment will be put on my report as a public record. I became so angry I hung, but then called back and asked the name of the firm, which he would not tell me and proceeded to hang up on me. I called back 5 more times asking for his company 's information and to let me speak with his supervisor, which he just kept hanging up on me. I was finally able to at least get the name of the firm on the last phone call. The firm 's name is XXXX XXXX  XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21 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: EQUIFAX, INC.
State: WA

Complaint narrative:
I am pleading with you to remove this from my credit report as it is not mine and is entirely fraudulent.

Company response to consumer: Closed with non-monetary relief