vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
On Friday, XX/XX/2023 I went to my local bank branch ( Bank of America ) to deposit my paycheck from my employer in the amount of {$2500.00} ( get paid every two weeks ). 

Before the teller deposited my check, I asked her to scan it to inform me if there would be any type of hold placed on the funds. She advised me that the following day ( Saturday, XX/XX/2023 ) I would have access to {$220.00} of the funds and that the remaining balance would be available on Tuesday, XX/XX/2023 by XXXX ( as shown on my deposit Client Receipt ). 

The following morning, I received an email from B of A stating that the check would be held until XXXX on Tuesday, XX/XX/2023, citing that check specific information indicated that the item may be returned unpaid. 

The following Monday, I spoke with my employers accountant and was reassured that all Bank of America needed to do was to call XXXX XXXX  to verify the funds and call them to verify that I am one of many, many employees who gets paid with the same business checks without any issues. 

I attempted on three different occasions to get help from Bank of America. Once, by speaking to a customer service representative via their XXXX-customer service number. My second attempt was by going to the branch and speaking with a banker, and my third attempt was by speaking with the branch manager ( XXXX XXXX ( XXXX ) XXXX ) whom I made an appointment to speak with the next day. Each time I was told that there was nothing that could be done and that I would have to wait until XX/XX/2023, XXXX. 

I pleaded with them each time that I had utility bills due, my family and I needed groceries, and I needed fuel for my vehicle so that I could get to work. I explained to them that I was living on a very tight budget. 

With todays technology and the ability to make quick phone calls, it is disheartening that my paycheck funds are being held hostage for the sake of bank policies and procedures that are unfair to the average consumer like me. 

The company I work for ( XXXX XXXX XXXX XXXX ) in XXXX XXXX, does not currently offer its employees direct deposit. Other than having to wait until XX/XX/2023, this was the only resolve Bank of America representatives could offer me so that I would not run into this issue in the future. Had I known from the beginning that this type of hold would be placed on my funds I would have found other means to cash my paycheck. Please help.

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 2023-07-29 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: EQUIFAX, INC.
State: FL

Complaint narrative:
WHAT YOU ARE ALLOWING TO BE DONE TO ME IS WRONG!!!!!!!!! 
XXXX VIOLATED MY RIGHTS/ VIOLATED MY HUMAN RESPECT/ XXXX KNOWS THEY HAVE NEVER ADDRESS THE ISSUES I COMPLAINED ABOUT. THE CFPB NEVER ADDRESS THE ONE REASON FOR MY PROBLEMS THAT AGENCY. IT LOOKS LIKE YOU ARE AWARE OF WHAT THEY ARE DOING AND YOU ALLOW THEM TO RUIN PEOPLES LIVES TO DESTRUCTION, AS THEY HAVE MINE. 
XXXX LIED ; I NEVER DID THE THINGS THEY RECORDED FOR THE WORLD TO SEE, THAT'S PUBLIC BLASPHEMY, AND THE CFPB HAS JOINED TO HELP COVER THE WRONGNESS OF THE CREDIT AGENCY THAT THEY ARE SUPPOSED TO BE REGULATING. 
THIS WHOLE MESS STING XXXX  XXXX XXXX. 
I HAVE TRIED TO FOLLOW THE METHOD OF BEING A PROPER HUMAN BEING DOING THE RIGHT THING AND YOU HAVE JUST SHUT ME DOWN. XXXX COMPANY HAS TREATED ME UNJUSTLY, UNFAIRLY AND DISRESPETFULLY. 
THE WORLD IS MY JUDGE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29 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: FL

Complaint narrative:
WHAT YOU ARE ALLOWING TO BE DONE TO ME IS WRONG!!!!!!!!! 
TRANSUNION VIOLATED MY RIGHTS/ VIOLATED MY HUMAN RESPECT/ TRANSUNION KNOWS THEY HAVE NEVER ADDRESS THE ISSUES I COMPLAINED ABOUT. THE CFPB NEVER ADDRESS THE ONE REASON FOR MY PROBLEMS THAT AGENCY. IT LOOKS LIKE YOU ARE AWARE OF WHAT THEY ARE DOING AND YOU ALLOW THEM TO RUIN PEOPLES LIVES TO DESTRUCTION, AS THEY HAVE MINE. 
TRANSUNION LIED ; I NEVER DID THE THINGS THEY RECORDED FOR THE WORLD TO SEE, THAT'S PUBLIC BLASPHEMY, AND THE CFPB HAS JOINED TO HELP COVER THE WRONGNESS OF THE CREDIT AGENCY THAT THEY ARE SUPPOSED TO BE REGULATING. 
THIS WHOLE MESS STING TO XXXX  XXXX. 
I HAVE TRIED TO FOLLOW THE METHOD OF BEING A PROPER HUMAN BEING DOING THE RIGHT THING AND YOU HAVE JUST SHUT ME DOWN. TRANSUNION COMPANY HAS TREATED ME UNJUSTLY, UNFAIRLY AND DISRESPETFULLY. 
THE WORLD IS MY JUDGE.

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 2023-07-29 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Reliable Credit Association, Inc.
State: WA

Complaint narrative:
In 2017 I purchased a vehicle from a car dealer here in XXXX Washington, the vehicle I purchased was running great until XXXX weeks when the transmission went out doing XXXX on I XXXX. I called the dealership about it they told me that I bought the car as is nothing they can do I reported it to the finance company and they refused to take the car back and told me that I still owed them the money for the vehicle. I stopped paying them because I couldnt drive the vehicle so they sent my debt to a collection agency and I did get sued for the debt which caused me to file bankruptcXXXX XXXX  XXXX. They are still reporting that I owe the debt on my credit report still today.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Early Warning Services, LLC
State: AZ

Complaint narrative:
On XX/XX/26 I paid my landscaper thru zelle. He said he didn't get the transfer. I showed him the notice that they sent saying they sent the money. The a few minutes later got another email from them saying that it will be on hold for 24 hrs and he will get it the following day. Two days later he called to let me know he still has not received the funds. I called them on the XXXX at approx XXXX and they said then he would have ot this morning in his account. And still has not occurred. They took the money the second I sent the transfer request and have been giving a run around ever since. 

Thanks for any assistance you can provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I booked a flight through the Capital One travel portal, using my Capital One Venture X Business Card. 

I booked a " fully refundable '' fare, and I have included the email I got after booking confirming that, as well as the cancellation email confirming that. 

But when I had to cancel the flight, Capital One did not refund me. Instead, they gave me a travel credit that can only be used through the Capital One travel portal, and I have closed my credit card, so there's no way for me to use that. 

I know this is not an issue with the XXXX XXXX -- this is an issue with Capital One, because I have booked a fully refundable ticket directly with XXXX XXXX before, and they do indeed provide a cash refund when you cancel. This is an issue where Capital One is being deceitful.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
In early XX/XX/2023, I opened a Marriott Bonvoy Boundless card through Chase bank. The terms of the promotion ( as with many loyalty credit cards ) was to receive a certain amount of points in my Marriott Bonvoy account ( XXXX after spending over {$3000.00} in the first 3 months ) as well as {$250.00} eGift card which I never received. I have went round and round with both Marriott and Chase on trying to resolve this with no success. I was diligent about capturing the Credit Card Offer details when I signed up online and applied for the card. I was sure to even read the credit card details and save a screen print on my computer to ensure that I knew what the terms of the promotion were in addition to hold Chase and Marriott accountable to them once I met the terms for which I have completed as stated in the agreement. As it stands now I have NOT received 50,000 points in my Bonvoy account and there has not be a {$250.00} eGift card issued. I did communicate that I would be happy with a {$250.00} statement credit as well. I am very upset at Chase and consider these tactics to be Deceptive and Bait and Switch tactics since this agreement was very clear and in writing. I will be happy to upload the agreement as well as any supporting documents. If Chase does not resolve to to align with the terms of the agreement that I agreed upon when opening the card then I will open a complaint with XXXX as well withdrawing all funds from Chase and moving to another bank. I will make this experience very well known all over Social Media. There are many that have fallen victim to Deceptive practices of this and are complaining about the same thing. There are many complaints of deceptive and Bait and Switch tactics on applying for this card online.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: MT

Complaint narrative:
" Interest free '' credit offerings by Synchrony Bank are available through numerous merchants. While there is a disclosure regarding terms offered during the application process, those documents are not available within my on-line account ( or, if there, are not easily accessible ). 

I logged on to review my account upon being notified of my first payment and its due date. The full balance is clearly displayed as is my " minimum payment '' amount. What is not displayed is the expiration date of the interest free term. Also, the minimum payment is lower than that required to retire the balance at the end of that interest free term. 

In my case ( using approximate values ) I have a balance of {$15000.00} with an 18 month interest free term. My minimum payment is {$500.00}. If I pay the minimum payment every month I will have drawn my balance due down to {$6000.00} by the end of the term ( {$500.00} x XXXX = {$9000.00}. {$15000.00} - {$9000.00} = {$6000.00} ). 

At that point, I will begin accruing interest at 30 % per month on the {$6000.00}. 

The deception is in the opaque nature of the obligatory balance that will remain if only the required minimum payments are submitted. The site should clearly show the impact of doing that as described above, and also show the monthly payment required in order to pay the balance off at the end of the interest free term. 

Note that the company reported profits of {>= $1,000,000} for the second quarter of 2023 of which {>= $1,000,000} was returned to investors.

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 2023-07-29 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
They said I keep paying the bill And or there was no fraud or I validated the transaction

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 2023-07-29 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:
In Accordance with the fair credit reporting act. XXXX XXXX # XXXX has violated my federally protected rights to privacy and confidentiality under 15 U.S.C 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 an 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, 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 and 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 explanation
Consumer complaint received 2023-07-29 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I lost my wallet on a cruise and I am in the process of buying a home and i got a copy of my credit report and notice items that was open due to identity theft!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
I recently reviewed a copy of my credit report and I noticed the following hard inquiries. I never filled out an application for credit and upon doing my research I noticed that this is a violation of the Fair Credit Reporting Act. 
This Act states that the only reason to pull an individual 's credit is for the following reasons : XXXX. A firm offer of credit XXXX. Insurance XXXX. Application for employment XXXX. A Court Order The following hard inquiries are not related to any of the following, I have never given these companies permission to use or have my personal information. If you refuse to remove these hard inquiries, I will move forward and ask for legal verification which would include ; the name and title of the person who pulled my credit, date they purport that I gave permission to have my credit pulled, the method they purport that I gave permission to run my credit. Please include documentation of said permission. If you can not provide me with this information, remove these incorrect hard inquiries from my credit file as soon as possible. I have attached my police report to this dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
A few months back, Shellpoint Mortgage Servicing notified me that my lender place insurance had increased to {$3400.00} from the {$1700.00} that it cost me last year. As a result, I bought insurance out of my pocket from XXXX XXXX to cover my property for the period of XXXX. For some reason, Shellpoint continues to use this {$3400.00} in its calculations including future project calculations, in addition to some bogus numbers. As a result, it overcharged me. I tried to contact Shellpoint on this issue on several occasions, and every time they ran a new escrow for me, my total monthly payment kept on going up and up. And, right now, they said that I owed them {$3000.00}. And my monthly payment went up from {$2100.00} to {$2600.00}.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
I have written to this company and the collection company they sold my debt to they wrote back to send it to another address of theirs. 

I provided my XXXX  XXXX debts showing they were on it and I have provided the discharge documents to them On one credit report, it shows charged off in collection XXXX on XXXX, it shows included in bankrupt but not discharged XXXX shows discharged

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I lost my wallet on a cruise and I am in the process of buying a home and i got a copy of my credit report and notice items that was open due to identity theft!

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 2023-07-29 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: NC

Complaint narrative:
I lost my wallet on a cruise and I am in the process of buying a home and i got a copy of my credit report and notice items that was open due to identity theft!

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 2023-07-29 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: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
My personal information was exposed in 2017 XXXX data breach, which resulted in severe consequences due to identity theft and fraudulent activity on my credit report. 
In XX/XX/2017, the XXXX data breach exposed my personal information, including but not limited to my name, Social Security number, address, and other sensitive details. Since then, I have been grappling with the distressing consequences of identity theft. Unidentified individuals maliciously misused my stolen information to open an APPLE CARD/GS BANK account without my consent or knowledge.Upon discovering this unauthorized APPLE CARD/GS BANK account on my credit report, resolving the issue proved to be an arduous and time-consuming process. I had to spend a considerable amount of time navigating the complexities of reporting the identity theft financial institutions, and credit bureaus, furthermore in my pursuit to remove the fraudulent account from my credit report, I incurred substantial financial expenses during this dispute process.Throughout this challenging ordeal, I have maintained records of all communications, expenses, and actions taken to rectify the identity theft and remove the fraudulent account from my credit report. Being a victim of identity theft has had a profound impact on my personal and financial well-being. The unauthorized account has caused undue stress, affected my creditworthiness, and disrupted my financial stability. 
I hope the necessary steps are taken to correct the inaccuracies in my credit report resulting from the fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
For the company to do what is fair and equitable to me as a consumer by deleting the items identified as identify theft from my consumer 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 non-monetary relief
Consumer complaint received 2023-07-29 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: NC

Complaint narrative:
For the company to do what is fair and equitable to me as a consumer by deleting the items identified as identify theft from my consumer 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 non-monetary relief
Consumer complaint received 2023-07-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CULLEN/FROST BANKERS, INC.
State: TX

Complaint narrative:
I received an email stating the I opened a Frost bank account as of XXXX using my married name of XXXX. I have been legally divorced from my ex husband since XXXX of XXXX  and I have NEVER used that name to open anything since before XXXX.

Company response to consumer: Closed with explanation