vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC.
State: NH

Complaint narrative:
I opened a checking and savings account with Citizens Bank back in XXXX pursuant to the {$600.00} promotion bonus that I had received in the mail. I went to the XXXX XXXX  branch on or about XX/XX/2022 and opened the account with banker, XXXX XXXX. 

I had checked with him at the time of the opening on whether I would qualify for the bonus as one of the qualifications was that I shouldn't be a signer on any accounts whereas my wife had added me to her account, only recently at that point. He said that wouldn't be an issue as I was only a secondary on her account. I relied on his advice and opened the account. 

I have since account opening met the requirements of the bonus. I reached out to Citizens Bank executive office too but they denied the request citing that I had signed the documents based on the promotion bonus. 

I relied on Citizens Bank to open this account and fulfilled the promotion requirements. I request you to step in and help me get the promotion bonus. 

If you need to reach me I'm available at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act these creditors have violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604a, section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

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 2023-03-29 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: IL

Complaint narrative:
These items do not belong to me and I am asking that they are removed from my credit report.

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 2023-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
We wrote a check to one of our vendors in the amount of {$1200.00}. on XX/XX/21. This check was intercepted and washed, the name of the payee and dollar amounts were removed and the check was altered to {$14000.00}. to a persons name. We filed a claim for Fraud on XX/XX/21, and to date Chase has informed us XXXX XXXX XXXX is investigating the claim and they are awaiting XXXX response. XXXX has been investigating the claim for over 1 year now, I don't know who is giving me true information because XXXX will not update me and Chase really doesn't either. I am being told it is still under investigation, I think there has been enough time to investigate, we really would like to have our {$14000.00}. Refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 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: FL

Complaint narrative:
I have attached an FTC report with an account and inquiries I did not authorize, can you please update and delete

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
According to the FCRA, in order for you to furnish the alleged US BANKRUCTCY COURT you would need to be able to both VALIDATE and VERIFY the information with original creditor. The US Bankruptcy Court would be the creditor to furnish this information and have previously communicated with through documented mail that they DO NOT furnish any corresponding information to any of the CRA 's. Including but not limited to 3 MAJOR credit reporting agencies and the minors such as XXXX XXXX, XXXX XXXX XXXX 's and the likes. 

US Bankruptcy Court has also assured me that it is not within their policies or obligations to validate any public records. Following my confirmation with US Bankruptcy Court I also confirmed with XXXX XXXX that they were not able to validate those alleged bankruptcy in accordance with federal law. 

Having the abovementioned information Experian, XXXX and XXXX is voilating my federally protected consumer rights. In addition to that violation you are also commiting fraud since you claim to have verified this bankruptcy but sources deny that. Should you need a reminder.. please refer to 15 USC 1681 ( A ) ( E ), 15 USC 1681C ( A ) and I DID NOT give you neither direct nor indirect permission to furnish my information. 

I am hereby demanding this entry be permanently removed from consumer file within 30 days from the day you RECIEVE this letter. Should you chose to be negligent in rectifying my affairs. I will follow up with a complaint to CFPB and initiate monetary arbitration is small claims against Experian, XXXX and XXXX Warm Regards 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 2023-03-29 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: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act these creditors have violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604a, section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. 
These are the creditors as follows : 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 response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 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: MI

Complaint narrative:
In accordance with the FAIR CREDIT REPORTING ACT ... XXXX XXXX XXXX XXXX has violated my rights. 
15 USC 1681 Section 602 states I have a right to privacy 15 USC 1681 Section 604A section 2 : it also states a consumer reporting agency can not furnish an account without my written permission 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason

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 2023-03-29 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
In accordance with the FAIR CREDIT REPORTING ACT ..XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
15 USC 1681 Section 602 states I have a right to privacy 15 USC 1681 Section 604A section 2 : it also states a consumer reporting agency can not furnish an account without my written permission 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason

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 2023-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I first found out that a fraudulent checking account was successfully made in Bank of America on XXXX. I was notified via email that the account was approved from a bona fide bank of america email address. The name of the account was Bank of America Advantage SafeBalance Banking. I called the bank to have the account shut down and create a fraud alert. I then froze my credit at all three credit bureaus XXXX XXXX, XXXX, and XXXX ) and called XXXX to create a fraud alert. Two days later, on XXXX, I again got an email saying that a checking account had been approved in my name. The name of the account was Bank of America Advantage SafeBalance Banking. I called the bank again to create a fraud alert and have it shut down. I asked the agent how this happened again if I put so a fraud alert at Bank of America, notified the three credit bureaus and also put a fraud alert on at XXXX. The agent 's response was that Bank of America only does soft background checks before approving accounts. She said since the person doing this fraud had my personal information, there was nothing Bank of America could do to guarantee this doesn't happen again. I also placed a checking a security freeze on my file via XXXX on 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 2023-03-29 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Asset Recovery Solutions, LLC
State: NY

Complaint narrative:
I had a credit card with XXXX a computer I bought for XXXX Unfortunately my hours at work got cut and was not able to pay the credit card. I then received a letter from asset recovery solutions llc. I immediately called because I know collections ruins your credit even more. They told me they were collecting debt for the XXXX credit card, and I set up automatic payments to pay off the debt thinking I would improve my credit by paying what I owed to XXXX. About two weeks later, and after I made my first payment, I received a letter form XXXX saying my debt was a change off and bought by this company. This company was deceptive, and used unfair debt collections efforts. They lied and made me believe I was paying XXXX. Never once they said I my debt form XXXX was charged off and they bought the debt form XXXX. Im only XXXX XXXX XXXX and a XXXX XXXXXXXX. I want to make right by XXXX and this company took advantage of me. If I was told this debt was charged off I wouldve called XXXX  and try to work something with them. All this informations should be disclosed to me. They were not collecting for XXXX  as they lead me to believe. Please help me resolve this issue so they dont further ruin my credit. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

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 2023-03-29 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting the following XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX 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 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2023-03-29 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: IL

Complaint narrative:
I did not authorize any of the hard inquires listed I notice these on my credit report XX/XX/XXXX, I have file a police report and a identity theft report 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 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

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 2023-03-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
I submitted an informal dispute directly to XXXX XXXX and transunion informing them that I have not given my formal permission for the inquiry into my credit file nor written expressed permission contained in a list of companies that i have no knowledge of I ask that this information be removed and or deleted from my credit file the credit bureau XXXX have failed to investigate this matter conduct a proper investigation into the disputed inquiries

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 2023-03-29 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: DC

Complaint narrative:
I submitted an informal dispute directly to XXXX Equifax and XXXX informing them that I have not given my formal permission for the inquiry into my credit file nor written expressed permission contained in a list of companies that i have no knowledge of I ask that this information be removed and or deleted from my credit file the credit bureau s have failed to investigate this matter conduct a proper investigation into the disputed inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 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: NY

Complaint narrative:
I consolidated my federal student loans in 2022 during the PSLF special waiver window. My loans originally and correctly were displayed on the MOHELA website as one consolidated loan. MOHELA subsequently separated the consolidated loan into a " subsidized '' portion and " unsubsidized '' portion, which is itself not congruent with a single consolidated loan. My primary complaint is that MOHELA displays different qualifying payment counts for the " subsidized '' loan ( 83 payments ) and the " unsubsidized '' loan ( 99 payments. Even if separated into two separate loans, as part of the legal terms of consolidation these two loans should each have 99 eligible payments -- the same number. I've contacted MOHELA customer service multiple times about this and they indicate by phone that the loans will eventually have the same higher payment count. However, they give no timeline of when this will happen, they give no reason why the number is different, they offer no formal process for how I can make this request, and they do not communicate this in writing. At the moment the incorrect payment count would represent 16 additional months of repayment. Thank you for your help in requesting for MOHELA to update the payment count to the highest eligible for each loan ( currently 99 eligible and verified payments ). 

The attachment shows correspondence from MOHELA that shows differing qualifying payment counts for the subsidized and unsubsidized loans. This was after a recent review of my loans on the same problem I submitted to the CFPB.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am writing on dispute a fraudulent charge on my debit account in the amount of XXXX XXXX__. I am a victim of identity theft, and I did not make this charge I am requested my chase bank that the charge should be removed or the debit reinstated, that any finance and other charges related to the fraudulent amount be credited to my account and that I receive a corrected statement. 
I spoke to 3 supervisor but they put me under pressure since I suffer from XXXX from my XXXX I can not remember everything they denied my claim and theyre not cooperating with me all the age and taking advantage of my mental health issue to cover their bank not to pay me. I am seeking for help. 

Thank you! 

Sincerely XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 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: PENTAGON FEDERAL CREDIT UNION
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act these creditors have violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604a, section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. 
These are the creditors as follows : 1 ) XXXX XXXX XXXX XXXX 2 ) Pentagon Federal Credit Union 3 ) XXXX XXXX XXXX XXXX 4 ) XXXX XXXX XXXX XXXX XXXXXXXX 5 ) 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 monetary relief
Consumer complaint received 2023-03-29 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: ENOVA INTERNATIONAL, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act these creditors have violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604a, section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. 
These are the creditors as follows : 1 ) XXXX XXXX XXXX XXXXXXXX 2 ) XXXX XXXX XXXX XXXX 3 ) XXXX XXXX XXXX XXXX 4 ) XXXX XXXX XXXX XXXX XXXX 5 ) Netcredit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
I requested a payoff on the loan on XX/XX/XXXX and received a payoff from XXXX good through XX/XX/XXXX with a daily per diem of {$.00}. 

The payoff quoted on XX/XX/XXXX was {$2400.00} good til XX/XX/XXXX with a daily per diem of {$.00}. 

The payoff was received by XXXX on XX/XX/XXXX in the amount of {$2400.00}. The account was actually over paid by {$1.00}. 

payoff good til XX/XX/XXXX and 6 days of interest since payoff received XX/XX/XXXX... the payoff would have been {$2400.00}. 

They collected {$18.00} in interest when payoff was received and as of XX/XX/XXXX still showed my balance due of {$570.00}? 

The total amount due shows as {$1100.00}, online.

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