vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-05 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:
I'm submitting a complaint to you today to inform you that I was a victim of identity theft. I search on how to remove the fraudulent accounts in my report and found that I need to visit FEDEDAL TRADR COMMISSION or https : //ww.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/delete any accounts listed in ID theft report. Please find the attached documents to assist in the blocking of the erroneous information which is being posted yo my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 
XXXX XXXX Inaccurate Addresses : XXXX XXXXXXXX XXXX MT XXXX, XXXX XXXX XXXX XXXX, VA XXXX and XXXX XXXX XXXX XXXX, MT XXXX ; ACCOUNTS : 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 XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall REMOVE any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank of America charged off a loan that is not resolved. I do not owe the amount they charged off because they are supposed to repossess the car and sell it. I am responsible for the difference. 

XX/XX/XXXX, my XXXX XXXX was in an auto accident. It was repaired by XXXX XXXX XXXX, XXXX, NY. XXXX XXXX issued a check paid to XXXX XXXX XXXX and another party. The car is licensed, registered and insured under my name only. Even though it was a third-party check, Bank of America cleared the check with one signature ( the other party who does not have any claim to the car ). The Body shop was not paid. Numerous calls to the insurance company and they said they were waiting for Bank of America to re-issue another check to pay for the car. XX/XX/XXXX I lost my job and I called Bank of America and asked them to take the car. I was told that a voluntary repossession was not possible because my account was current. My situation got worst ; I was diagnosed with XXXX XXXX in XX/XX/XXXX. I called Bank of America when I realized they did not pick up the car and explained my situation and told they need to pick up the car. They said they would have someone go to inspect the car and let me know the next steps. I never received a call about the next steps, just daily calls harassing me for payments. I told my story to numerous representatives and to date, no resolution. Now it is on my credit report as 'charge off. ' The last representative I spoke with, told me that the record shows, that Bank of America is deciding if they should re-issue a check or pay 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 2023-07-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CATHAY BANK
State: IL

Complaint narrative:
On XXXX I sent a wire transfer from my local bank to Cathay bank for the purchase of an automobile for the amount of {$23000.00}. Account number XXXX. Wire transfer # XXXX under the account name of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maine XXXX. Nine days later when I did not receive my vehicle that was supposed to be transported to me, I reported this to my bank " XXXX XXXX XXXX in XXXX, Illinois XXXX on XXXX XXXX. Because of the upcoming holiday weekend, the bank representative was not able to get an answer from Cathay bank regarding cancelling the wire transfer. I did receive {$1100.00} back from Cathay bank. The seller of the vehicle has blocked me on XXXX and his phone and email are no longer in service.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05 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: PA

Complaint narrative:
I recently checked my credit report and noticed inaccurate accounts on my report that could be fraud.

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 2023-07-05 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: PA

Complaint narrative:
I recently checked my credit report and noticed inaccurate accounts on my report that could be fraud.

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 2023-07-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP
State: NJ

Complaint narrative:
Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to express my concern and to file a formal complaint against US Bank. The issue at hand pertains to a promotional offer related to a business checking account which I believe has not been honored by the bank. 

In detail, I opened a business checking account with US Bank due to a promotion displayed on their webpage. The promotion stated that I would receive a {$500.00} bonus if I kept a balance of at least {$3000.00} in the account for a duration of 60 days. Relying on this promise, I ensured to fulfill the necessary condition and maintained the stipulated amount for the required period. 

When I initiated the process of opening the account in late XXXX, the agent handling my application stated that the promotion was scheduled to end by XXXX end. However, my account opening process was delayed until XXXX due to the bank requesting additional documents, which I had to send via fax. 

Upon contacting the bank in XXXX to inquire about the promised bonus, I was informed that the promotional code had already expired at the time of my application. I believe this is a clear case of misleading communication as the delay in opening the account was due to the bank 's requirements, and the expiration of the promotional offer was never communicated to me during the account opening process. 

Moreover, the bank continues to advertise similar offers on their website, indicating a long-term promotional practice. This makes the 'expiration ' excuse questionable and gives me a strong impression of fraudulent and deceptive business behavior. 

In light of the aforementioned circumstances, I kindly request that the CFPB investigates this matter. I hope to ensure that the promised {$500.00} bonus, which played a significant role in my decision to open an account with US Bank, is credited to my account as initially advertised. 

As a consumer, it is crucial to me that businesses honor their commitments and promotions, especially when these promotions are instrumental in influencing decisions about where and how to conduct financial activities. 

Thank you for taking the time to review this complaint. I trust that the CFPB will do its utmost to protect the rights and interests of consumers like myself.

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 2023-07-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: VA

Complaint narrative:
I opened an Apple Savings account ( Goldman Sachs, GS ) in XXXX of this year ( XXXX ). I funded it with money from various other savings and checking accounts ( XXXX XXXX XXXX XXXX XXXX XXXX  ) I own due to the better interest rate and advertised ease of use offered by GS. 
I am now trying to access some of those funds by transferring them to my checking account ( XXXX ) but I am being told I can not move those funds. I am told I can only move funds back to were they came from originally, for XXXX  days post initial deposit. I no longer use the original savings account ( XXXX ) I used to move most of the funds to GS. Moreover that XXXX account is not " linked '' to my GS savings account so I can not initiate a transfer. 
This GS savings account was promoted as transparent and easy to use. I planned on using this savings account as an emergency fund, easily accessible and with funds available to me within a reasonable amount of time ( XXXX business days ). I spoke with customer support today ( XX/XX/XXXX ) who told me that I would have to wait XXXX more weeks to access my funds without other recourse. Asked to speak to a XXXX but I would have to wait another XXXX business days, without resolution in sight. 
My funds are being held hostage by GS. 
Moreover I placed the order for transfer on XX/XX/XXXX and lost out on XXXX  days of interest while by money was still being held by GS. This ought to be fraudulent and extortion.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: TX

Complaint narrative:
I fell behind on my home payments to Loancare and contacted them to resolve the issue in late XX/XX/2022. I was concerned because I submitted a check for 2 months payment and it was rejected and returned to me and they advised I needed to submit all late payments in XXXX lump sum, which was XXXX moths at the time. After it was determined that i could not come up with the whole amount i reached out and inquired on assistance to resolve the issue. They advised me to file for forbearance. On XXXX I provided documents and the application they requested. Then in XXXX I inquired weekly on the stauts and was advised to wait the full XXXX to XXXX weeks and they would reach out if any more documents were needed. At the XXXX week mark, I inquired again and they advise to continue to wait, after I advised several times that it was already XXXX weeks waiting the representative advised since no update was done on my file they would refile my application again, but advised not to worry that i would not be foreclosed on. Then mid XXXX, I spoke with a Representative that advised since I was not getting any traction with my application to file for Covid relief since she determined I qualified. I submitted my document and application again before thanksgiving and was assured I was not going to be foreclosed on. XXXX XXXX I started to get letters from a lawyer that I was being foreclosed on. When I contacted Loancare they advised there was no updated on my application but not to worry because the rep then gave me here direct number to contact to ensure my application was getting updates. I finally was advised they processed my covid relief on XX/XX/XXXX which I completed and returned the document the same day I received them. Loancare then advised to ignore the foreclosure letters as they had the documents they needed. Shortly after multiple people began to come to my house and knock XXXX asking for me to sell my property as the public records showed my house to be auction in mid XXXX. After the lawyers rescinded the foreclosure auction. I have been current on my payments since XXXX, even though my mortgage jumped up to XXXX from XXXX due to taxes and escrow. I am now trying to sell my house as I have accepted a better job XXXX hours away but can not get an approval due to missing payment for XXXX  months after loancare continued to " loose '' my application multiple times. 

Please assist in anyway possible, thank you for your time.

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 2023-07-05 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: Open Dealer Exchange, LLC
State: CA

Complaint narrative:
It shows on my report a credit inquired on XX/XX/ not authorized or recognized from 700Credit/XXXX For

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: DISCOVER BANK
State: TX

Complaint narrative:
My husband and I, who are both XXXX XXXX, applied to Discover Home Loan ( DHL ) to consolidate unsecured loans we took to start a business on XX/XX/XXXX. The requested amount was {$300000.00}. My credit score was XXXX and my husband XXXX, we have a combined XXXX income of over {$220000.00} + gross rental income of $ XXXX. Our primary home we were borrowing against is valued at {$800000.00} with a mortgage of {$170000.00} with $ 2200 monthly payments. After pulling our credit, XXXX offered an approval, requested documents and sent us documents to esign to move process forward. We received an email to provide more documents and received a denial within XXXX of request without having our response or any contact whatsoever. We reach out to XXXX and was told we had been denied because we claimed losses on a business we just opened on our XXXX tax return. We explained the business opened in XX/XX/XXXX and had gross income of about {$100000.00}. But rep we spoke with insisted unless business was closed we could not be approved regardless of our credit worthiness. We were informed that our credit worthiness was not all they looked at to approve and would not provide further information. Personal loan advisor made no attempt to reach out to us and refused to take our calls. Another personal loan advisor we spoke with stated shed never seen income calculated the we ours was and would reach out to the underwriter for an explanation. The underwriter never responded to the request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: RENASANT CORPORATION
State: AL

Complaint narrative:
Mobile app updated. Now myself and wife is locked out of account. Can't access to pay bills. Been calling customer service for XXXX days now. No one answers or calls back.

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 2023-07-05 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am requesting to have these inquiries removed from my credit report. 

They aren't attached to me in anyway. 

XXXX XXXX. Bank credit cards. 
XXXX XXXX Bank credit card. 
XXXX XXXX XXXXBank credit card. 
XXXX XXXX XXXX Bank credit card. 
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 2023-07-05 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: TX

Complaint narrative:
I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.

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 2023-07-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I made a purchase at XXXX XXXX. I ended up getting their store card which is done through TD 's renovate credit card. We were there shopping for a long time, like almost 5 hours, and ended up buying for several rooms. We were negotiating along the way, my mother in law was negotiating with the sales man, and they kept drawing up new sales sheets, like it will be this much if you buy this stuff, it will be this much if you buy this stuff, and at the end when we made our final decisions, errors were made in copying prices over from the several pages. The receipts I have at home reflect three prices and can't be understood well, and I did say something at the store but they said don't worry, only the tax was charged today and the store card will be charged the correct difference in XXXX and you will get the bill in XXXX ( the store was closing in XXXX, even though we were shopping in XXXX ). We agreed on {$3600.00} flat but they have overcharged us. They charged us a " deposit '' that same day which we were told was equal to the tax of the items. We were charged {$340.00}, but this tax amount is the tax of a {$3800.00} subtotal. {$3600.00} less {$340.00} is {$3300.00}, which is what I expected the store card to be. I was told in store that my payments would be {$55.00} for 60 months, but when I got the bills it ended up being {$53.00} for 72 months. That is a whole extra year of money. When the furniture arrived in XXXX, except for the mattress, it did not seem like new furniture. The dining tables and chairs had scratches, and we bought 4 shelves that were also scratched up and missing the finished top that it had in the store. Also, our entry doorway molding was damaged, our hallway walls were scraped up, bedroom walls also scratched, wood flooring in living room and bedroom scratched up. I have tried to contact both the company and the creditor and this does not seem important to them. At first I didn't make payments, but I saw my credit score going down and they kept charging late fees so I started paying the minimum but I really think this situation is unfair and they are holding me hostage to a higher than expected bill, plus damages I shouldn't be responsible for. I don't know what to do and found your website through internet research. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05 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: NY

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.

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 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 2023-07-05 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: NY

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.

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 2023-07-05 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Law Office of Michael J. Scott, PC
State: CA

Complaint narrative:
This is a continuation of my prior complaint : Complaint ID XXXX I received additional documentation for what seems to be a new lawsuit and debt for which they are ostensibly trying to collect.

Company response to consumer: Closed with explanation