vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-16 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: CULLEN/FROST BANKERS, INC.
State: TX

Complaint narrative:
On XX/XX/2023, I contacted Frost Bank for a home equity loan. I was given the rates and told they can change daily but are locked in when I complete the application. I received a confirmation e-mail with the rates and process at XXXX. I immediately completed the Frost online application process and uploaded the needed documents. Their system shows that I completed the application on XX/XX/XXXX. After XX/XX/XXXX, they sent documents with a higher interest rate and I questioned it over and over with no answers. The loan officer is now trying to tell me the " weekly rates '' changed on Tuesday XX/XX/XXXX and I got those rates. I questioned his e-mail stating the rate is locked when you complete the application and he said, " yes, but you completed it after XXXX. '' His e-mail does not say " by XXXX '' it says the rate is locked on the " date '' of the application. I completed the application on XX/XX/XXXX through their automated system and sent an e-mail confirming I had completed it. Their system shows the date of XX/XX/XXXX. His e-mail says " weekly rates '' but doesn't say their week ends on Monday at XXXX and the new rates start at XXXX Monday night.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
paid off loan ( saved receipt and screenshots and video of XXXX $ balance in branch ) Called XXXX XXXX to verify and inquire abt reducing late fees and was told the remaining late fees were non-negotiable and had to be paid BUT were treated as " completely separate '' from Principal and Interest and that to avoid collections i should pay at least once before 120 days elapsed and that would " reset the 120 day clock '' each month AND that it would NOT report to CRA 's as well. NOW after seeing that the system/they ADDED XXXX XXXXXXXX XXXX $ to my previously XXXX account/loan i called to complain and they said the system puts this on to " keep the account open '' so the remainder late fees can be paid- BUT said they don't know if it will then AUTO-REPORT to CRA 's as being {$1.00} and 30days or whatever amount of days 'late ' which would be both illegal and inaccurate. ( As i don't actually owe the underlying 'phantom ' dollar ) Just the late fees, which per their policy don't get reported.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16 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: CA

Complaint narrative:
My identity was stolen and used fraudulently. I dispute the account and the debt attached to it. I have since filed a claim with the FTC and have the claim number to prove it. I want to inaccuracy removed from my credit file immediately. The report number with the FTC is XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Revolut Technologies Inc.
State: TX

Complaint narrative:
Chargeback for two transactions XX/XX/XXXX and submitted XX/XX/XXXX for XXXX at an atm that withheld my funds, Bank did not respond and failed to provide a credit within XXXX  days which is the law and can be proven by Reg E. failure to do so is against the law. please provide my credit back to my account or I will take this higher to courts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
I keep getting a denial of can't verify identity. However, no one tells me what documents to submit in order to verify my identity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: OH

Complaint narrative:
The IRS deposited funds into my account. Chime suspended my account and made me send the same documents over and over again because they were saying they didnt get them. Their calls reps were misleading and didnt know what they were talking about. I finally was able to get my into my account with the help of a lawyer. Just for them to close my account permanently, say I didnt send the right documents even though I still have all the emails of me sending every document that they requested. They told me I wasnt getting none of the money I have in my saved, checking or credit builder. I would not recommend chime to anyone. I MEAN NO ONE!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
The company is reporting adverse information to third parties which has compromised my credit report and other reports that reflect information about me. 

The information has restricted my ability to obtain credit primarily for personal family and household purposes. 

When I entered the consumer transaction, I completed and submitted an application in accordance with Federal Reserve Act section 16. 

I was billed for several months in an attempt to collect a debt, without adequate notice that I had the right to dispute the debt. I should have never been billed. And should have received adequate notice which would inform me about the use of 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 2023-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: CITIZENS FINANCIAL GROUP, INC.
State: RI

Complaint narrative:
Went to local branch to access safe deposit box. Was never asked for identification nor did I have to sign in or out of the vault. Anyone could have gained access to my key and completely cleaned me out. I demand that XXXX XXXX at the XXXX XXXX branch in XXXX, RI be terminated immediately along with her loser of a branch XXXX. I have moved my savings and checking accounts out of Citizens after more than 50 years and will never set foot in any of your banks again. Furthermore, I will tell everyone I know what a horrible institution you are. My accounts were previously hacked XXXX times in XXXX year and not XXXX was caught or corrected in a timely manner by your fraud or customer service departments. Your institution is dangerous, callous, and should cease to exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
There was a purchase made on my visa credit card for {$8400.00} on XX/XX/XXXX, but not posted to my account until XX/XX/XXXX. The merchant name listed for this supposed purchase is " XXXX XXXXXXXX XXXX '' in XXXX, XXXX ( XXXX ). 

On XX/XX/XXXX, I was in XXXX, and made purchases with that same ( and only ) XXXX  card in the XXXX airport ( all documented on my monthly credit card statement and attached ). I was NOT in XXXX and did not make such a purchase. I have my passport that proves where I was on XXXX XXXX, XXXX, and that was in XXXX ( entry/exit stamps also attached ). 

I filed a fraud complaint with my bank ( Bank of America ). They replaced my card, but have denied my claim 3 times now ( all within one day of submitting/resubmitting the fraud claim, so they apparently did not even look at the information I provided/faxed to them ). 

I have repeatedly asked for documentation of what was purchased, who was the merchant and for a copy of my signature ( which is required for use of my credit card ). I have not received any of these requested documents and the {$8.00}, XXXX has been removed from my banking account ( which I had to withdraw from my IRA account to cover, as I am XXXX XXXX XXXX and living on my social security/IRA ). 

It is bank policy that if such a large purchase is attempted, that some type of contact is made with the card holder to verify the purchase. That was not done and again, the charge was posted 7 months after the supposed purchase. 

Please look into this claim and the refusal of my bank to return my money for this clearly fraudulent charge. Thank you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX -Opened on XXXX XXXX I called the company and the credit bureaus, and explained to them that I was a victim of identity theft. My roommate stole my information and presented to be me and got multiple credit cards in my name without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16 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: TX

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.

The letters are stated with items and issues.

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 that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
I am writing to lodge a formal dispute regarding an unauthorized tradeline that has appeared on my credit report, associated with Ally Financial. This situation has arisen due to fraudulent inducement, as I never consented to or engaged in any business dealings with Ally Financial. I believe that this unauthorized tradeline not only adversely affects my credit history but also infringes upon my rights under federal laws, including the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ). 

The disputed tradeline is detailed as follows : Creditor : Ally Financial  Account Number : XXXX Date of Last Activity : never Balance : XXXX I present the following grounds for my dispute : 1. Fraudulent Inducement : I have been victimized by fraudulent inducement, where it is alleged that Ally Financial engaged in deceptive practices to induce me into a financial relationship and establish an account without my knowledge, consent, or authorization. This action contravenes the principles set forth by the FCRA and CFPA, aimed at ensuring accuracy, fairness, and transparency in financial transactions.

2. Violation of FCRA Section

s 611 and 623 : Ally Financial 's inclusion of this unauthorized tradeline on my credit report has caused substantial harm to my financial standing and creditworthiness. This is a breach of FCRA Section 611, which mandates accurate reporting, and FCRA Section 623, designed to prevent the dissemination of unauthorized or inaccurate information to credit reporting agencies.

3. Request for Thorough Investigation : I respectfully request a comprehensive and diligent investigation into the circumstances surrounding the inclusion of this unauthorized tradeline attributed to Ally Financial. I have undertaken extensive efforts to scrutinize my financial records and have found no legitimate basis for any business relationship or agreement with Ally Financial.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: MO

Complaint narrative:
Midland credit management report that I paid a dollar when in fact they did this to rest time on debt I closed this account and another the same day XXXX XXXX and XXXX are both through same company XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have multiple hard inquiries on my credit report that does not belong to me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I spoke to a supervisor at American Express from the XXXX Texas oce who on XX/XX/2023 conrmed that American Express back oce knew they were in violation of their terms and conditions which state Foreign Transaction None which I can send a copy if requested, but they intend to continue to charge these fees to all their customers regardless of their terms and conditions. I also have copies of three different correspondences from American Express which I can also provide that clearly states that they do charge a fee of XXXX on any foreign transaction. One letter states The converter results do not include the American Express conversion fee. the second and third letters state Please note that American Express uses a conversion rate that is effective within 24 hours of the time the charge is processed plus XXXX percent of the converted amount. They are overcharging all their customers as a group in the millions of dollars which is an estimate but realistic and will continue doing so unless a stand is taken by your agency and are able to force American Express to repay all their customers all the overcharges, for all long as they have followed these illegal practices. You have my phone number, please have someone call me in the managerial status to discuss further and provide me a portal to send the evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Recovery One, LLC
State: CA

Complaint narrative:
XX/XX/2023 or around this date I received a notice from Recovery One. Notice date is XX/XX/2023. 

XXXX forwarded a debt under my name to recovery One ( A debt Collection company ) and they claimed that check I issued was Non-sufficient. 

I did not have any transactions with XXXX, the check maybe under my name and my residential address because XXXX XXXX is sending promotional checks for me to use for anything, under my credit card. Our mailboxes were broken and all our mails were stolen several times in XX/XX/2023 and XX/XX/2023. 

XXXX did not send me a letter, billing department said they were calling me but they had the wrong number. A letter would be much better if they can not reach me by phone SO I CAN DISPUTE earlier. The Invoice # XXXX, billing dept said it is not under my name but the check payment was mine. Possible because my mails were stolen. I did not get the name of the account from XXXX. 

I do not want to pay them {$520.00} and now Recovery One is asking for Police Report. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 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 a account without my written instructions.

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 purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have two Fruad accounts on my credit report. I have attached a FTC report and my current lease with my address attached. 1. XXXX XXXX {$2000.00} XX/XX/XXXX 2. 1. XXXX XXXX {$1400.00} 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 non-monetary relief
Consumer complaint received 2023-08-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I received a credit card that I did not apply for, according to the credit card company I applied on XX/XX/XXXX and received it XX/XX/XXXX. 

I did not apply for a credit card with in the last two months.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-16 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: CA

Complaint narrative:
I'M A VICTIM OF IDENTITY THEFT. THIS IS NOT A DISPUTE! THIS IS MY " 2ND '' REQUEST FOR REMOVAL OF THE FRAUDULENT ACCOUNTS SEE ATTACHMENT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-16 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: Kikoff Inc.
State: WV

Complaint narrative:
Hello my name is XXXX XXXX XXXX XXXX XXXX XXXX West Virginia XXXX!! The complaint is regarding charges that was put on my account by an fraudulent charges from companies that I have no business with them and several other charges from cell phone company and I had an XXXX reversal refund last Saturday on XXXX XXXXthese people need to be investigated they are running an adverse business within the United States of America and working the company out of the XXXX overseas transactions call XXXX kick-off account owned by XXXX XXXX XXXX  kick-off account upside down K?? On the XXXX XXXX  XXXX  if you search it but this problem with these people have been going on since XXXX XXXXi have tried every way possible to get this problem straightened out and they cancelled an new credit card and debit card for no apparent reason before it even shows up in the mail!!! Over XXXXdollars worth of charges has been applied to my account and that'll absolutely not mine it ran my account over in the red XXXX dollars because of the illegitimate charges that got put on my account so with that being said they took my {$200.00} refund when it hit the account and they refuse to straighten anything out and threaten to close the account up for illegitimate charges that was placed on my account someone. Within this company is stealing money from the customers or clients who share their financial situation with theses people their address is XXXX XXXX XXXXXXXX XXXX XXXX Utah XXXX please let me know what the outcome is with these people but it really does need to be investigated they are an branch off of XXXX XXXX XXXX  kick-off account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation