vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-07 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: OH

Complaint narrative:
Experian has continued to violate my consumer rights. I have disputed the credit transactions conducted without my knowledge or consent by XXXX XXXX XXXX ( XXXX XXXX XXXX ) account number XXXX opened XXXX XXXX, XXXX and XXXX XXXX XXXX ( XXXX XXXX ) account number XXXX opened XXXX XXXX, XXXX, on my credit report a number of times. As the listed credit transactions should NOT be on my credit report, as they have not been conducted by me, the consumer. The CFPB has previously closed my complaint with no resolution. Pursuant to 15 US Code 1681i ( e ) ( 3 ) ( A ) it is the responsibility of the Bureau to ensure the consumer reporting agencies meet all legal obligations imposed on the consumer reporting agency under this subchapter ( including any obligation imposed by an applicable court or administrative order ) have been met with respect to the subject matter of the complaint. The CFPB has failed to meet the prescribed responsibilities installed by Congress, as the above listed credit transactions are not transactions conducted by or authorized by me, the consumer, and should not be reporting any information to my credit file. The CFPB is not at all displaying any sense of integrity. The CFPB is prescribed to ensure accuracy and it is imperative that the CFPB comply and complete the required investigation. The listed credit transactions should be blocked and deleted : XXXX XXXX XXXX ( XXXX XXXX XXXX ) account number XXXX opened XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX ( XXXX XXXX ) account number XXXX opened 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 explanation
Consumer complaint received 2023-06-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
In XXXX of 2020 I was notified by a debt collector that I owed {$1400.00} to reserve at the lake. I went over and asked what did I owe the debt for and was told it was a mistake and I also was given a refund in XXXX of 2020. I have since tried to remove it from my credit asking for a ledger and have been told that they have since changed management. I reached out and have not gotten a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
In XXXX Citibank Costco XXXX card generated 2 fraud charges. Citi disputed both PLUS XXXX prior charges on my account. Customer service referred me to the fraud dept. who admitted it was Citi 's problem but became unresponsive after several calls. Finally, I was referred to Executive Response Team ( ERT ). After several agents failed to address, I finally got one who took up to XX/XX/XXXX to clean up the account. I was told I didn't need to pay balances due to the confusion over actual amounts owed until the cleanup was complete. Interest and fees were waived at this point. Citi even compensated me for some time spent ( not nearly enough ) knowing they made the problem. Citi then over corrected for the disputed charges and I had to point out the math for that and they agreed to my number. After being advised all fixes were made, as agreed with my ERT rep, I paid all balances legitimately due on time as I have always done for years. Thinking all was good, the next bill came in with about a {$300.00} interest charge for the last month of cleanups. I disputed this with the ERT rep and she said she could not make further adjustments and I needed to pay it. I wrote a letter to Citi 's CEO but it was just referred back to the same ERT group who refused to discuss this matter further with me. I plan to go to small claims court if I can not get this resolved through this process.

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 2023-06-07 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: GA

Complaint narrative:
There are two accounts and some inquiries on my report that after contacting the company and trying to get more information they were unable/refused to give me info to verify the account because whoever set up the account used information that I don't know outside of my personal information so they said i had to file a ftc report . Not sure how its to protect me if I am telling them that I am me and i never set the accounts up. I have attached a copy of the Identity Theft report as well as copy of my ID. The accounts that are fraudulent are as follows : XXXX XXXX XXXX inquired on XX/XX/2022 The only thing that makes sense is someone at the lending company misused my info because I was preapproved when i purchased my home so I never gave my info to have them to check for financing. When I called the lender they confirmed they never tried to run my credit because I had a preapproval that covered the cost of the home. 

With that being said, inquiry law that applies here is 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) To credit reporting agency The inquiry was not authorized.

Did not consent to unauthorized inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BMO BANK NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I had a Bank of the West Secured Credit Card with a {$1000.00} limit and a {$1000.00} security ( kept in the banks savings account. 

1. Back in XXXX I asked that the bank close my account ( at my request ) and apply the security deposit. They failed to do so. While I received a letter stating they closed the account ( letter dated XX/XX/XXXX ) with a balance of {$1000.00} from my voluntary request, they did not apply my security deposit. 

2. I have made multiple written requests, phone requests, and even taken to social media asking for help to get my security deposit applied. I have stated repeatedly that once they apply the security deposit and send me a bill for any difference I will pay the difference. They claim to call me back and leave messages, and yet they don't. Although they have hung up on me. When they have spoken to me ( because of my phone call attempts, they hang up, refuse to help - saying they have no ability, refuse to give me to a manager that can do something, or actually promise it will be done and nothing occurs. This has literally been the worst customer service ever. 

3. Instead they have charged additional fees/interest and refused to apply the security deposit. As of yesterday morning the representative i spoke to ( that their social media support transferred me to ) stated that if I pay the full balance which is now {$1100.00} ( due to fees and interest added ) that they will then at some point in the future mail me a certified check for the security deposit. But there are no guarantees of when I will get that deposit back. 

4. This is not satisfactory, that is my {$1000.00} in that savings account, I don't trust the bank at this point as they have spent months lying about closing the account, stating that in " two weeks my security deposit will be applied '', and now trying to get me to pay the balance and wait for a refund on my security deposit. 

Please help me to get this account closed and security deposit applied. 

*I have attached the letters received and the latest email outlining the events to the Bank of the West Social Media representative. I have also attached the last security deposit statement and the XXXX Credit Card Statement.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-07 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: DISCOVER BANK
State: NC

Complaint narrative:
I have had numerous issues with Discover Card over the past two years, including three false charges that I disputed that were kept on the acconunt. The third and most recent one is for {$500.00}. When the charge was present I overpaid the account to cover the charge. I then stopped using the account as I was extremely dissatisfied with the lack of customer service and lack of investigation into my issue. Thus, I am owed this money since I paid the account to keep it current during the dispute. 
I have contested this dispute and provided dozens upon dozens of documents and files with information ; NONE of which were reviewed - my queries were responded to by a chatbox immediately, without sufficient time for a human to read the text or open the documents. I submitted additional information. I have filed complaints before and Discover does NOT return my phone calls as they promise. I have been calling for over half a year at this point and have not gotten a SINGLE phone call back to discuss this issue. Instead, upon my last complaint, Discover closed my account, without refunding me any of the false charges from the past two years - the most notable one of which this {$500.00} that was charged in a scam. The fact that Discover keeps allowing scam charges to appear on accounts and expects people to pay them is straight up theft. Further, Discover reported this incorrectly to the credit bureaus, which now shows up on my report. In 30 years I have never so much as carried an account balance, let alone paid late or missed a payment, hence my perfect credit score - this must be Discover 's attempt to make money off of people they wouldn't otherwise be able to make money from. I am beginning to wonder if Discover is a partner of these scam artists as this is the only way they seem to make money off someone who always pays their bills. Now that my account is closed there is no way to log in or see account info and I am still owed money, yet Discover is inaccurately reporting it as delinquent. AGAIN, I HAVE CALLED AND WRITTEN TO DISCOVER AND CAN NOT GET A SINGLE RESPONSE TO MY CALLS, QUESTIONS, QUERIES, OR COMPLAINTS. The very few times I got someone on the phone after hours of holding they said someone would call me and no one has. They have also given my account information to other users who were removed as authorized users years ago and they claim they were not.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have been working on my Equifax credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation supporting my dispute. Thank you for your prompt attention to this matter. The INCORRECT Address that should be deleted is XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. Please keep in mind that Congress ( 15 USC 1681 ( a ) ( 4 ) ) makes it clear that I have a right to privacy. Privacy is not defined because only I can define what privacy is to me. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Under the subsection 15 usc 1681b ( a ) ( 2 ) the reporting agency does not have my written instructions to report anything. The code says they need permissible purpose in accordance with written instructions. The credit reporting agencies ( EQUIFAX, XXXX, and XXXX ) do not have my written permission and this should be removed accordingly. I am under the impression that it seems as if a company has taken advantage of obtaining my personal address for their benefit. There is a huge risk of having the incorrect address on my consumer report because this could potentially be identity theft. I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIZENS FINANCIAL GROUP, INC.
State: RI

Complaint narrative:
I learned that a family member was inappropriately accessing my checking and savings accounts. 

On XX/XX/2023, I went to the local Citizens Bank branch to close my accounts, and learned that the family member had opened multiple accounts using my identity ( total of 5 accounts ), and for various accounts had changed the mailing address, online banking contact information, and account titling to hide their behavior. 

At that time I reported possible fraud to the branch, requested closing all of my accounts, and correction of my home mailing address. 
I also requested a full history of transactions, including cancelled check images, since the account inception dates ( roughly 2.5 years for all cases ). 

The bank closed my accounts with the exception of a credit account with a remaining balance. I was told the transaction history would be sent to my home address. 

After a month had passed, I returned to the branch and was told that all access to the five accounts in question had been restricted, and was given the name of an individual who was handling the situation ( XXXX XXXX XXXX ). I contacted XXXX XXXX, and was told that the information would be forthcoming. 

The branch contacted me a week later and requested a {$480.00} research fee. I returned the the branch and paid the fee. 

Two weeks later, I contacted XXXX XXXX again, who assured me the information was coming. She was unable to tell me the results of the bank 's fraud investigation. 

On XX/XX/XXXX ( 2 month after the original request ), I learned that the bank had sent information to the incorrect address ( to the address of person I believe defrauded me ). The information that was provided included only 3 of the 5 accounts, and did not include any cancelled checks. 

I reached out to XXXX XXXX again via telephone and email to demand the bank provide the full information for which we had been charged. I have not received any response to date, and no one else at Citizens Bank will discuss the situation with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Credit Karma, LLC
State: VA

Complaint narrative:
Credit Karma states that I have XXXX inquiries with my XXXX & XXXX with XXXX this is incorrect - They have failed to issue a debit card replacement with my actual given name & also after some investigation they are claiming that I filed taxes with them in 2021 which is not true

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 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: MO

Complaint narrative:
Privacy and confidentiality under 15 USC 1681. 

XXXX XXXX Act # XXXX {$610.00} XXXX XXXX XXXX XXXX Act # XXXX {$280.00} XXXX XXXX XXXX Act # XXXX {$1300.00} XXXX XXXX Act # XXXX {$1100.00} XXXXt XXXX XXXX Act # XXXX {$1600.00} XXXX XXXX XXXX XXXXXXXX Act # XXXX {$360.00} 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 : also states a consumer reporting agency can not furnish a account without my written instruction.

15 U.S.C 1681c. ( aX5 ) 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 ( AX1 ) 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 non-monetary relief
Consumer complaint received 2023-06-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
The servicer did not pay the insurance as promised therefore, causing it to lapse.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 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: MI

Complaint narrative:
I did not authorize or initiate these accounts, and it is unfair for me to be held responsible for them.

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 2023-06-07 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: PA

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 confidentially under 15 USC 1681. Act Name : XXXX XXXX Act Name : XXXX XXXX, XXXX Act Name : XXXX  XXXX XXXX XXXX Name : XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX  I, 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 1681s-2 ( A ) ( 1 ) Section 623 ( a ) states that a person, including a financial institution, may, but need not, specify an address for receipt of notices from consumers concerning inaccurate information. If the person specifies such an address, then it may not furnish information relating to a consumer to any consumer reporting agency, if ( a ) the consumer notified the person, at the specified address, that the information is inaccurate, and ( b ) the information is inaccurate. If the person does not specify an address, then it may 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. 
Reasonable policies and procedures concerning the accuracy and integrity of furnished information ( 12 CFR 1022.42 ) and Interagency Guidelines ( Appendix E ) Each furnisher must establish and implement reasonable written policies and procedures regarding the accuracy and integrity of consumer information that it furnishes to a consumer reporting agency. The policies and procedures must be appropriate to the nature, size, complexity, and scope of each furnishers activities. In developing its policies and procedures, a furnisher must consider the Interagency Guidelines and may include its existing policies and procedures that are relevant and appropriate. Each furnisher must also review its policies and procedures periodically and update them as necessary to ensure their continued effectiveness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: PNC Bank N.A.
State: PA

Complaint narrative:
Sent a check dated XX/XX/XXXX in the amount of {$1400.00} to discover card for payment through the U.S. Mail. The check never reached XXXX and was washed and cashed by an individual at the XXXX XXXX XXXX XXXX. I notified my bank, PNC ' PNC requested a notarized statement regarding altered check, which was sent to them XX/XX/XXXX. 

As of this date, XX/XX/XXXX, I have not received my funds or any answer to the status of my claim despite numerous calls to the number I was given.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 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: GA

Complaint narrative:
Account number XXXX  has violated my rights 15 usc 1681 section 602 8 states I have the right to privacy 15 unc 1681 section 604 a section 2.

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