vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-07 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
In XXXX Bank of America told me I was approved for a XXXX XXXX XXXX loan with forgiveness. Every month up to XX/XX/XXXX I was sent emails that my loan was being reviewed by the XXXX and I would be notified when a decision was made, which was not true. In XX/XX/XXXX I was notified by Bank of America that there was some type of system error and I needed to redo my forgiveness application and put XXXX on it so it could be rejected by the XXXX and Bank of America would resubmit the corrected forgiveness application, ALL OF THAT WAS NOT TRUE!! Now fast forward to XX/XX/XXXX, I was called by a Bank of America XXXX and he indicated that the Bank of America XXXX XXXX from XXXX was mistaken and I needed to pay the loan back. In the beginning the Bank of America XXXX XXXX told me that I was NOT approved for the loan ( which was okay with me ) but then he called me back and said the XXXX decided to approve the loan and it would be forgiven. The Bank XXXX also admitted that Bank of America made several mistakes which were not of my doing. My response to him was if he misrepresented the bank, TAKE RESPONSIBILITY! 
I then called the XXXX and was told that Bank of America never entered my forgiveness application on the XXXX XXXX and instead, they entered it on their ( Bank of America ) XXXX, so they couldn't help me. The XXXX XXXX filed a complaint on my behalf with XXXX XXXX Bank of America 's client practices and gave me CFPB information and told me to file. 
As of XX/XX/XXXX I have gotten the run runaround, and misinformation from monthly emails and XXXX Bank of America staff members ( and still counting ). On XX/XX/XXXX after writing several email 's and letters the Bank XXXX that I had spoken with prior called. He told me he would call me back the next day with some help. I am still waiting!! 
This Bank has caused me an extremely amount of stress!!! Business was hard in XXXX due to the pandemic and it's even harder today and now threatening me with paying back a loan that should have never received is WRONG. I had to sell my business and reinvent myself. Bank of America has turned my life upside down. If you are a XXXX XXXX XXXX XXXX XXXX, this bank of not for 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 explanation
Consumer complaint received 2022-10-07 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: CA

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX  ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XX/XX/2022 ; XXXX  XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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 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 2022-10-07 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: NY

Complaint narrative:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
We've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the Identity Theft report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Identity Theft report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}

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 2022-10-07 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:
When I investigated my credit report, I realized that some of the information was erroneous. The XXXX and Equifax credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/account/information below : XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$960.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One Bank has frozen my checking account due to what they say was a fraudulent transaction reported from a XXXX Bank customer. Who sent me a XXXX payment of {$200.00}. On XX/XX/XXXX a XXXX transaction came into my account. This is what they called fraud now my account is frozen due to someone else sending me money makes no sense. 

Capital One Just froze it as of today XX/XX/XXXX. XXXX at Capital One told me to call the person ( XXXX XXXX ) who sent the zelle to resolve the issue and I said. If the person mistakenly sent me money how did I do anything wrong and if they sent money to my account how is that fraud? I said so all I have to do is send them their money back to have my account unfrozen? XXXX at Capital One had no answer nor explanation. But instead of understanding my frustration XXXX at Capital One made it to where I could not have an account ever again with Capital One. 

Because of a few choice words I had said to him out of frustration. Because he could not give me a clear answer on what will be the purpose of calling the person that I don't know that sent money to my account and how could that resolve the issue, if I don't have access to my account to send them the money back. What will be the purpose. 

I even went as far as contacting XXXX XXXX person who sent the zelle payment. I told the guy named XXXX at Capital One she provided me with a claim number XXXX for XXXX Bank and that she also stated that XXXX denied and closed her claim. And that there was nothing she can do on her and to help me fix my situation. He insisted just call her but never had a resolution as to what the call would do for my account or what should I do. 

Not once did she ask me to send her any money but I offered. She did make a point to say that it must have been XXXX but they never resolved it on here end. 


It seems as though Capital One has a issue with reporting things as fraud with their own customers. Three days ago my wife received her credit card that she applied for, from Capital One. Representative told her it was fraudulent. My wife said how I have another Capital One credit card with my name on it same name as on this credit card. My wife told them we were married in 2017. That's when her last name change she provided them with driver 's license and other documents and they would not activate her credit card. 
As in my case the representatives locked the card and said it was fraud.. It took 72 hours and a lot of frustration and talking with them and she threatened to dispute it with her bank to get her money back before they activated that card It is ridiculous how Capital One treats their customers please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 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: NY

Complaint narrative:
It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: MI

Complaint narrative:
I was paid with a check by a roommate that Im renting a room to in my apartment. The check bounced and they decided to close my account which is fine I dont care because I didnt do anything wrong and they received the funds back from the bounced check. I changed my account information with SSI so no more checks will go into that account. My SSI went into that account XX/XX/XXXX and XX/XX/XXXX. They are holding my money and that is all the income I have coming in so I have been unable to eat pay billing without borrowing money from other people. I have sent several email like they asked with my id my major credit card the three signature and a code word. This has been going on since XXXX before my XXXX check went in there. Every time they have another excuse for me not to get my money. I have to wait on hold for hours before I can even speak with someone. Usually banks close the account and mail your money to the address on file but they wont do it even after Ive did everything they asked. First they say the picture not coming in then they say everything has to be in pdf then they say everything need to be on one page and I need to say Im trying to lift restrictions. They are giving me the run around and its not branch here that I can go into. Im starting to feel like Im being racially profiled and racially discriminated against because they know want me to send a picture holding my id by my face. The ways they said the money would be sent I would have to go in person with my id to cash the check or get the XXXX XXXX so they shouldnt be taking me through all this. Then they said they cant verify my voice that they speak with XXXX XXXX which is me. How am I suppose to sound to them. I really need some help because Im getting behind on everything dealing with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 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: GOLDMAN SACHS BANK USA
State: MN

Complaint narrative:
I bought TWO XXXX  from the XXXX XXXX XXXX, MN XXXX XXXX. I was charged for TWO XXXX  and received the purchase receipt in the email right away. The transaction date, as shown in my XXXX  XXXX XXXX credit card bill and attached here, is XX/XX/XXXX. 
A few days later, I bought another TWO XXXX from the XXXX, MN XXXX XXXX. I was charged for F OUR XXXX. That is, TWO XXXX  for {$2000.00} and another TWO XXXX  for {$2000.00} I have NEVER received a receipt for this purchase. 

Later on, I was charged another {$2000.00} without my knowledge. 

On the XX/XX/2022 Apple Card record, attached also, there is a charge of {$2100.00} without my knowledge. 

Several unsuccessful attempts have been made to contact both Apple Card and XXXX XXXX for explanation. I had no other choice but to report this matter to the CFPB. 

After reporting to the CFPB, the XXXX  double charges of {$2000.00} and the illegal charges of {$2000.00} were returned to my checking account ( My bank has record of this too ) Even after the return/refund, my Apple card  account still shows balances, and someone from Apple card service emailed me the wrong purchase receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
DELETE ACCOUNT for inaccurate Payment history, on XX/XX/2022 this account shows 60 days late, with no prior 30 day late it can not be 60 days late without first being 30 days late. Attached proof of inaccuracies

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 2022-10-07 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: LA

Complaint narrative:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : SELF EMPLOYED XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX  XXXX XXXX, LA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, LA XXXX XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX  XXXX XXXX, LA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, LA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, LA XXXX XXXX. I did not authorize these inquiries XXXX XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
XXXX. I did not authorize these inquiries XXXXL Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : EMPLOYER : 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 2022-10-07 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: CCF Intermediate Holdings LLC
State: MI

Complaint narrative:
I loan from Checksmart XXXX times. I signed up for a payment plan and was working on paying off my loan. I paid my XXXX  payment on XX/XX/2022 I called on my next payment date because I was scheduled to work at both of my jobs and couldnt make it in. Asked what I could do before the payment plan my payments were set up on XXXX  They told me they will just cash my check and once it clears I could come in for my refund. I waited for my check to clear it did. I went in to get my refund and they said I could reload but he couldnt give me my {$180.00} in cash that it would be electronically refunded in XXXXXXXX XXXX. Today is the XXXXXXXX XXXX and I havent been refunded. If they see everything cleared why would I need to reload to have cash instead of just giving me my money back. Its like they want me to have to keep loaning. If I was eligible to reload then there is no reason I couldnt be given my money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 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: NJ

Complaint narrative:
I recently looked at my credit report and found that the credit bureau consistently reports accounts with inaccurate information. The Fair Credit Reporting Act has clearly been violated in this case. I've already spoken with them about this matter, but I haven't heard back from them to this point. Please correct this immediately. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX LENDERS XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX BANK NA XX/XX/XXXX XXXX XX/XX/XXXX XXXX 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 2022-10-07 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: CA

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX, XXXX, XXXX ; XXXX, XXXX, C ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XX/XX/2022 ; XXXX  XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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 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 2022-10-07 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX, XXXX, XXXX ; XXXX, XXXX, C ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX GXXXXL XXXX Balance Owed : {$0.00} ; XXXX XX/XX/2022 ; XXXX XXXXXX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.

Company response to consumer: Closed with explanation