vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
Further to complaint XXXX - XXXX I am writing to raise a complaint regarding Citizen 's bank 's failure to comply with CFPB regulations. 

Citizen 's response to complaint XXXX - XXXX and the evidence provided to support their response confirms that they had incorrectly recorded customer account details and, as result breached a number of requirements to provide disclosures to prior customers of XXXX as set out in the CFPB Regulations ; notably but not limited to ; XXXX Credit and charge card applications and solicitations XXXX General disclosure requirements XXXX Subsequent disclosure requirements Citizen 's have also demonstrated that they have breached CFPB regulation XXXX ( f ) and provided documented evidence to that effect. This evidence had previously not been provided due to the failures in the obligations to fairly disclose information to consumers as described above.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 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:
In Accordance with the fair Credit Report act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX 15 U.SC 1681 Section 602 A. States I have a right to privacy.

15 U.S.C 1681c. ( A ) ( 1 ) States no consumer reporting agency may make any consumer report containing any of the following items 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 ) States that a person shall not furnish any information relating to any 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 2022-12-01 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: FL

Complaint narrative:
In Accordance with the fair Credit Report act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX 15 U.SC 1681 Section 602 A. States I have a right to privacy.

15 U.S.C 1681c. ( A ) ( 1 ) States no consumer reporting agency may make any consumer report containing any of the following items 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 ) States that a person shall not furnish any information relating to any 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 2022-12-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Problem is with bill pay sending checks to non digital local businesses. Checks for these are treated as corporate checks and deducted from my account before they are cashed by the payee. I checked the BMO Digital Agreement which indicates that traditional checks are not deducted until presented for payment. I asked BMO about this and I was told by several BMO employees that this was the way bill pay works and I should check with the. Payee to make sure they received the check even though the amount was deducted from my account. Examples : XXXX. Scheduled check to be sent to XXXX XXXX on XX/XX/XXXX. The amount was deducted from my account on XX/XX/XXXX. In XXXX. I realized that the check was never cashed by the recipient when I received the next bill. Eventually the debit for this check was reversed but BMO did not respond to why this was not treated as a traditional check as the digital agreement states. 
XXXX. Scheduled check to be sent to XXXX XXXX on XX/XX/XXXX. The amount was deducted from my account on XX/XX/XXXX but it was not cashed by the recipient until XX/XX/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 2022-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
On Tuesday, XX/XX/2022, I purchased an airline ticket from XXXX XXXX through XXXX XXXX, which is connected to my citizens bank account. There was a hold placed on my XXXX $ and I never received a ticket. I called both parties and they both told me that there was nothing they could do and to contact the other party. I told them that I would file a complaint and they told me that thats what I would have to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 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: WI

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 1681XXXX XXXX Accounts # 1 XXXX XXXXXXXX ( {$800.00} ) # 2 XXXX XXXXXXXX ( {$700.00} ) # 3 XXXX XXXX CO ( {$370.00} ) # 4 XXXX XXXX XXXX ( {$2700.00} ) # 5 XXXX XXXX {$700.00} ) has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions. 

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

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe 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 2022-12-01 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: WI

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. XXXX Accounts # 1 XXXX XXXXXXXX ( {$800.00} ) # 2 XXXX XXXXXXXX ( {$700.00} ) # 3 XXXX XXXXXXXX XXXX ( {$370.00} ) # 4 XXXX XXXX XXXX ( {$2700.00} ) # 5 XXXX XXXX {$700.00} ) has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 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:
When I made the decision to review my credit report and use my rights under FCRA it was with an eye on challenging any information found in my report that is not accurate. By fighting back against this injustice, I am ensuring that the information on my credit report is accurate and reliable. I have every right to challenge any inaccuracies in a manner compliant with federal law when they are negatively affecting me financially because of their lack of accuracy or completeness. The claims within my report are wrong. The credit reporting agencies have to follow proper procedures if these claims are in their system and to be used in my credit reports! I challenged the accuracy and fairness of the 3 credit reporting agencies ( Equifax, XXXX, and XXXX ) by demanding evidence before they make any claims and take such drastic measures agains my reputation. I know that they can't just decide which rules apply to their organization, so I won't allow them to report any false claims. It's important to make sure all of the claims are accurate and reported in the correct format- this is required by law ( FCRA ) as well as XXXX XXXX standards. For any negative account I demanded documentation / proof proving why the credit reporting agency considers it delinquent or derogatory. They have yet to provide me records documenting how they verified and validated these accounts/ claims. Their proof of each negative claim they placed on my credit report should also include proof of a permissible purpose for any inquiry into the account. It's time for me to get my life back! I need the credit reporting agencies to send over some physical proof of what has been done and an updated credit report. Either confirm that this matter has been reported correctly or remove it from the report immediately. I gave them 30 days to investigate, that time has now elapsed. I received no response from Equifax and XXXX at all! The only response I received from XXXX was a letter questioning if I was the person who sent in the letter..when all my information was clearly included and sent from myself! I am now escalating this matter to you, CFPB, in the 100 % expectation that you will do what you were created for and enforce this matter and protect me the consumer from this blatant neglect and lack of responsibility by XXXX, Equifax, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I wrote a letter about false information on my credit report, and more than 60 days later, I still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. It is precisely stated in Section 611 ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The Equifax data breach exposed my information well as, and it's feasible that it landed in the incorrect hands. Also XXXX  is reporting inaccurate information going by the newest lawsuit against them I am considering seeking a legal attorney on this matter because I am being treated unfairly as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I need to get a balance sheet stating the payments made after account was closed. Also need current balance and status of account on company letterhead.

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 2022-12-01 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I need to get a balance sheet stating the payments made after account was closed. Also need current balance and status of account on company letterhead.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I need to get a balance sheet stating the payments made after account was closed. Also need current balance and status of account on company letterhead.

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 2022-12-01 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc.
State: NC

Complaint narrative:
On XX/XX/22, I submitted a dispute for a incorrect deposit reversal made on my XXXX  bank account. The case number is XXXX. 

On XX/XX/22, I made a deposit to my account at XXXX XXXX of {$500.00}. The transaction ID is XXXX. This was later reversed on XX/XX/22. In my dispute, I submitted a deposit receipt corresponding to this deposit on XX/XX/22 XXXX. My dispute was denied and upon calling, I could not obtain the reason for denial, nor could I speak with the person who made the decision. 

In addition, I have attached an image of deposit receipts in the period of XXXX. The deposits total to {$2500.00}. In the attached statement however, there are 8 deposits of {$500.00}, and 4 reversals of {$500.00}, which totals to net deposits of {$2000.00}, a {$500.00} discrepancy. 


Given all of this, instead, upon calling on XX/XX/22, I spent nearly an hour going back and forth with the billing department, and they failed to really understand, and would fail to really address my point. In the end it did not matter as they can not make any decisions, only explain, and they can not view my deposit receipt image I submitted, so I could not prove to them that I did the deposit. 

I'm hoping by raising this complaint, that the right attention can be placed on this issue, and I can be credited back my missing {$500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Hello, Im hoping you can assist with a credit card account reconciliation for food purchases on my Chase Sapphire Reserve card. My husband was stationed, as a XXXX, on a XXXX XXXX base in XXXX. While our food purchases on the XXXX XXXX base were transacted in XXXX dollars, we did not receive XXXX points per dollar at restaurants ; instead, we received XXXX point per dollar. The restaurants included XXXX XXXX, XXXX, and XXXX  ( see XXXX for evidence of a restaurant ). 

I called Chase regarding this issue in XXXX and they were able to credit my account with the difference of points for the XXXX calendar year. However, Ive been trying to have the same review performed from XXXX ( approximately XX/XX/XXXX ) to XX/XX/XXXX ( when we returned stateside ) and am not receiving any assistance with this issue. 

I have contacted Chase multiple times without resolution - as noted on the following dates : XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX. 

My husband is in the same situation with his credit card, so I will submit a separate request for his card as well. I appreciate any help! 

Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Equity Auto Finance, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX, I obtained possession of a vehicle from XXXX XXXX sales that was alleged to be financed by Equity Auto Finance IncXXXX XXXX XXXX XXXX XXXX informed me that a Down Payment was required in the amount of {$10000.00} in order for me to take the vehicle off the lot after Equity XXXX XXXX XXXX already approved me for the Auto Loan on XX/XX/XXXX. 
On XX/XX/XXXX, I found out that both XXXX XXXX XXXX XXXX XXXX XXXX XXXX failed to provide me with disclosures that informed me of my rights to rescind my signature from the contract that I entered, and as a result, I proceeded to Rescind my signature from the Installment contract sending Equity Auto Finance Inc. the NOTICE OF RIGHT OF RESCISSION dated XX/XX/XXXX, holding Certified Mail # XXXX. Equity Auto Finance received the Notice and they signed for the Notice, however, they failed to respond and acknowledge as requested within the Notice. Also, included was an affidavit that Equity failed to rebut and thereby silence agreed to all stated within my Affidavit sent to them dated XX/XX/XXXX. 
After receiving my Rescission and failing to respond to it, Equity Auto Finance Inc then Reported to the XXXX XXXX XXXX that the Account was closed on XX/XX/XXXX, and reported that a balance was owed. Thereafter each month equity has reported late payments, a balance, and that the account is closed. This information is inaccurate, fraudulent, and damaging to my consumer report and it violated the law. I wrote to Equity Auto Finance on XX/XX/XXXX, regarding their inaccurate reporting and demanding that it be removed equity received it on XX/XX/XXXX, however they failed to remove it and cont to report. I exercised my rights in good faith and Equity Auto Finance decided to take adverse action against me as a result.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA

Complaint narrative:
Notice has been sent to by FCO ( Fair Collections & outsourcing ) saying charge of {$620.00} To " The XXXXXXXX XXXX XXXX XXXXXXXX XXXX '' I have made application to apartment but I have never moved-in or signed any lease for the apartment, The apartment complex has charged XXXX $ as move out or cancellation fee, After making application, i did not like the apartments, i never moved-in, I don't understand these charges on my account, I have called apartment company and collection agency and explained, that i did not authorize those charges, I don't understand those charges, Over the phone collection agency mentioned if i don't pay, they will report to credit agency, I have disputed on collection agency, today at XX/XX/2022, Collection agency mentioned that, they have to reported to credit bureaus.

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 2022-12-01 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: WI

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. XXXX Accounts # XXXX XXXX ( {$840.00} ) Account # XXXX XXXX XXXX XXXX ( {$11000.00} ) has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.

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

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