vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
Citizens bank offers a {$400.00} total promotion- {$300.00} for a deposit of $ XXXX and {$100.00} for XXXX debit card transactions within the first XXXX months. I made XXXX XXXX deposits in that time and called Citizens bank to ask if either deposit qualifies. Both reps confirmed and assured me the promotion requirements were met. 

Following up with Citizens today, a rep stated neither deposit qualified. Additionally, reviewing the terms and conditions, I realize theres no language to distinguish what types of deposits are disqualified, e.g. Direct Deposit from another bank or Real Time Credit. 

The rep did confirm I qualified for the {$100.00} credit for debit card transactions but did not provide a reason on why the credit was not applied or follow up on how to get the credit applied.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Equifax for their failure to properly investigate and rectify inaccurate and missing information on my credit report. Despite multiple attempts through letters and online disputes, Equifax has consistently verified inaccurate information without conducting a thorough investigation. It appears that they are biased towards creditors ' claims and do not independently verify the accuracy of reported data, as required by the Fair Credit Reporting Act ( FCRA ). 

XXXX particular account, the XXXX XXXX account, is a primary concern. This account is riddled with discrepancies, including missing payment history, balance history, and all historical information. Furthermore, the date of first delinquency for this account varies across the three credit bureaus, indicating a significant problem with the accuracy of the information being reported. 

The FCRA clearly stipulates that credit reporting agencies must ensure the information they report is complete, verified, and accurate. However, despite providing evidence to support my dispute, Equifax has ignored this evidence and continues to report inaccurate data. 

I am deeply concerned that Equifax practices are not in line with the FCRA 's requirements. It appears that Equifax may be favoring the word of creditors over the interests of consumers, making it exceedingly difficult for consumers like myself to dispute and correct inaccurate items on their credit reports. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly to ensure Equifax complies with the FCRA and takes the necessary steps to rectify the inaccuracies on my credit report. These inaccuracies are not only detrimental to my financial well-being but also violate my rights as a consumer. 

I appreciate your prompt attention to this matter and trust that the Consumer Financial Protection Bureau will take the necessary steps to address this issue. Please do not hesitate to contact me should you require any further information or documentation to support this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30 00:00:00
Product: Credit reporting 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:
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. 

XXXX 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 an 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 XXXX 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 2023-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file. 

XXXX Date of Inquiry XX/XX/2021 XXXX  XXXX Date of Inquiry XX/XX/2021 XXXX Date of Inquiry XX/XX/2021 XXXX  XXXX Date of Inquiry XX/XX/2021 XXXX Date of Inquiry XX/XX/2021

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 2023-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file. 

XXXX Date of Inquiry XX/XX/2021 XXXX XXXX Date of Inquiry XX/XX/2021 XXXX Date of Inquiry XX/XX/2021 XXXX  XXXX Date of Inquiry XX/XX/2021 XXXX Date of Inquiry XX/XX/2021

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 2023-09-30 00:00:00
Product: Credit reporting 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: DC

Complaint narrative:
Delete hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30 00:00:00
Product: Credit reporting 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX have 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 an account without my written instruction

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 2023-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BMO BANK NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I opened BMO relationship checking account on XX/XX/2023 and got confirmation letter the same day. But as of XX/XX/2023, I still can not access online bank : BMO online bank website says it can not find my records. Even though I deposited {$25.00} as inital depost and {$2500.00} direct deposit from my employer, and I have received phiscal checks and debit card. 

I have called BMO customer service more than 3 times, none of them are able to resolve my issues, and saying they can not find my records neither. 

Now, since BMO customer service can not find my records, they are unable to help me or close my accounts.

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 2023-09-30 00:00:00
Product: Credit reporting 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: NY

Complaint narrative:
I recently received a copy of my Experian credit report. The credit report showed a credit inquiry by your company that I do not recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. 
Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit.

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 2023-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

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. 

XXXX 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 an 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 non-monetary relief
Consumer complaint received 2023-09-30 00:00:00
Product: Credit reporting 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: FL

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. 

XXXX 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On XX/XX/11 someone used my information to try and obtain a credit card from Sams club. I reached out to Sams and the only information that they provided was someone try to get the card but couldnt verify the information matching my credit report so they were unable to open the account. However, the hard inquiry is still on my report affecting my credit score.

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 2023-09-30 00:00:00
Product: Credit reporting 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: DC

Complaint narrative:
Delete hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX

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 2023-09-30 00:00:00
Product: Credit reporting 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: DC

Complaint narrative:
Delete hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 an account without my written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Paramount Recovery Systems, L.P.
State: NC

Complaint narrative:
On XX/XX/XXXX I contacted Paramount Recovery in regards to this debt. They informed me it was a medical debt for an ER visit on XX/XX/XXXX. The initial company that filed the collection action was XXXX XXXX XXXX who were contracted by XXXX XXXX XXXX when asked why XXXX XXXX XXXX wasn't the one persuing the debt they informed me that the debt been passed along to different collection agencies for the last 5 years. I contacted XXXX  XXXX XXXX XXXX and they informed me that they had it documented that I was seen in the ER on XX/XX/XXXX and was a self-pay. At that time I had full medical coverage through XXXX XXXX XXXX. The billing department has stonewalled me when I have asked to speak to a manager or supervisor. The sad part about it is that I was an employee at XXXX from XXXX to XXXX. I was in XXXX XXXX bankruptcy from XX/XX/XXXX until it was discharged in XXXX of XXXX. I had debts from XXXX XXXX that were included in my XXXX  XXXX. These collection companies could have petitioned the bankruptcy court, but since it was an unsecured debt they didn't. Under North Carolina Medical Debt Laws NC Gen. Stat1-52 ( 1 ) ( 2020 ) medical debt statute of limitations in XXXX XXXX is XXXX XXXX and begins from last payment activity or the date on the bill. I have never received a bill or statement from the provider, XXXX XXXX, or Paramount. XXXX XXXX was the provider and he is no longer with XXXX and I've searched his name and can't find anything on the internet. The other thing about all this is that I was working that day at XXXX.They also should have has my insurance information from when I was an inpatient ther in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: AMERICAN ADVISORS GROUP
State: FL

Complaint narrative:
Getting fraudulent mail from a company pretending to be AAG which I have a Reverse Mtg with and I also worked with. I know they never had anything like this or would they ever have. They are saying I had a home warranty and it is not up to date and I must renew it as this is a final notice and for course they want money to do this and I must contact them asap THIS IS A FINAL ATTEMPT TO NOTIFY YOU XXXX Customer ID XXXX Respond by XX/XX/2023 This is being sent to seniors and trying to scare them into sending money for something that does not exist. 

It says : FINAL NOTICE Lender Info : American Advisors Grp

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: MO

Complaint narrative:
I contact MOHELA twice in mid XXXX first to move to an income driven repayment program as my current program payment was too high. I requested the paye program first, but when I called the second time I was told the repaye program ( that would become the save program ) would be a better option for me so I requested to be put on that program. I verified with the rep they would disregard the first application and take the repays application first. They updated my repayment programe to the paye program. I thought that was just a mistake and it would change to the repaye program. When it didn't change, I contact them again at end of XXXX inquiring about the change. They said to keep waiting and they would escalate it and it should process the change in 5 to 7 business day. On the XXXX business day it still had not changed, so I called again. The rep told me they had caught their mistake and put my account in forbearance for me so I wouldn't have to make the payment under the paye program in XXXX. They told me there was nothing else they could do besides keep waiting another 5 to 7 business days. On the 8th day I called again due to no change and they said to wait another 5 to 7 business days. It has now been 10 business days and there hasn't been a change or anyone reaching out to me. I am calling again on Monday.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am following up on complaint XXXX ( when I log into the portal, I do not see a " closed complaint '' option and do not want to miss the XX/XX/XXXX deadline to respond. 

I never received the company 's response to my complaint. CFPB said that I would receive a letter, but I received no letter in the mail. I got an email from BoA suggesting there was a message in my portal, but the login I used to apply for the card no longer exists. When I tried to log in to see the letter, I got a message saying, " no account with that information exists. '' ( If it were simply a wrong username or password, I would have gotten a " change password '' screen or something, right? ) I do NOT want to drop this inquiry. Whether deliberately or unintentionally, this is another instance of Bank of America avoiding accountability for their unethical and predatory lending practices by putting up barriers for consumers to advocate for their rights. They open cards without your consent before disclosing all of the information that they're legally required to, and then they make it impossible for you to follow up on the complaint. I would like to hold them accountable for what their predatory business practices have done to my financial prospects. Please refer to complaint XXXX for additional details.

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 2023-09-30 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Netspend Corporation
State: TX

Complaint narrative:
Tried activating the Prepaid XXXX gift card by phone and was texted a link to finish it online. Went to the online link and was given a phone number to call to finish activation. Called the new number and was texted a link to complete activation. Guess what I got a number to call to finish. It was an endless loupe. This was XXXX in XXXX my son wanted to use it for a present. I tried activating it again and this time after several loupes got a real person. This person was trying to get more information from me to sign me up for a credit card. Since I would not provide this information, I could not activate the gift card. Now in XXXX a year later my wife tried one more time and finally got through to someone who said we need to activate card. We tried the a few minutes before calling them and it did not work. Now that we called and activated card we are told it is active and has a negative balance. According to them in XXXX it was activated and because I wouldn't give them more info ( to send me a credit card ) the prepaid card was set to a XXXX monthly fee. This is a scam it is nearly imposable to activate card and they are harvesting your info for a credit card you can't afford.

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