vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-04 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: DE

Complaint narrative:
I reached out to the company because I saw that multiple credit reporting agencies fraudulently obtained my information and fraudulently accessed my consumer reports and made entries to my reports. I OPTED OUT, pursuant to 15 USC 6802, 12 CFR 1016.1, also making them aware of the violations committed against me were in violation of the XXXX XXXX XXXX XXXX. The purpose of 12 CFR 1016.1, as disclosed by the congress, governs the treatment of nonpublic personal information about consumers by the financial institutions, that they listed.

I also informed all consumer reporting agencies of them violating my privacy, pursuant to The Privacy Act of 1974, 5 USC 552a. Part b of 5 USC 552, states the conditions of disclosure, " No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains.

In accordance with the FCRA, 15 USC 1681 section 602, there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. Equifax, XXXX, XXXX, XXXX and XXXX XXXX are consumer reporting agencies, and I am the consumer, to whom these consumer reports relate to. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, the XXXX XXXX and XXXX XXXX Credit Card are all financial institutions as defined in 15 USC 1681 section 604. None of these companies had my permission to disclose my personal nonpublic information, verbal nor written consent was supplied by me to these companies. Equifax, XXXX, XXXX, XXXX, and the companies listed above, verbal, non-verbal, written, implied or otherwise is revoked, pursuant to 15 USC 6802 ( b ) ( c ). 

XXXX, Equifax, XXXX XXXX and XXXX XXXX, are also in violation of 15 USC 1681C ( a ) ( 5 ), which 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04 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 — Problem with personal statement of dispute
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
XXXX is reporting several inquiries by American Express to my credit report while its obvious that no company needs to pull ones credit several times a week let alone several times a day. XXXX refuses to remove the inaccurate information while it only took a simple phone call to XXXX and XXXX to get this error corrected. 
XXXX wants me to reach out to American Express which I did and they both XXXX and American Express Are having me having to jump through too many hoops to have me to correct their misinformation which has caused me to miss out on several credit approvals due to this Misinformation being reported on my credit. Below is how the item appears on my credit AMERICAN EXPRESS Inquiry : XXXX XXXX, XXXX  + Bank ( XXXX ) XXXX AMERICAN EXPRESS Inquiry : XXXX XXXX, XXXX  + Bank ( XXXX ) XXXX AMERICAN EXPRESS Inquiry : XXXX XXXX, XXXX  + Bank ( XXXX ) XXXX AMERICAN EXPRESS Inquiry : XXXX XXXX, XXXX  + Bank ( XXXX ) XXXX AMERICAN EXPRESS Inquiry : XXXX XXXX, XXXX  + Bank ( XXXX ) XXXX AMERICAN EXPRESS Inquiry : XXXX XXXX, XXXX  + Bank ( XXXX ) XXXX AMERICAN EXPRESS Inquiry : XXXX XXXX, XXXX  + Bank ( XXXX ) XXXX AMERICAN EXPRESS Inquiry : XXXX XXXX, XXXX  + Bank ( XXXX ) XXXX AMERICAN EXPRESS Inquiry : XXXX XXXX, XXXX  + Bank ( XXXX ) XXXX AMERICAN EXPRESS Inquiry : XXXX XXXX, XXXX  + Bank ( XXXX ) XXXX AMERICAN EXPRESS Inquiry : XXXX XXXX, XXXX  + Bank ( XXXX ) XXXX AMERICAN EXPRESS Inquiry : XXXX XXXX, XXXX  + Bank ( XXXX ) XXXX AMERICAN EXPRESS Inquiry : XXXX XXXX, XXXX  + Bank ( XXXX ) XXXX XXXX XXXX made over XXXX hard inquries to my credit report within a XXXX  day period which is clearly a mistake and refuses to correct the mistake. 

Help with correct this will be greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XX/XX/2023 I was the victim of online fraud where Bank of America ( BoA ) allowed the opening of joined fraudulent accounts and somebody was able to transfer $ XXXX from my saving and checking accounts to the newly opened fraudulent account and then to another account. See CFPB complaint XXXX. 
On XX/XX/2023 the stolen funds were transferred back to my accounts but since my saving and checking accounts were blocked I have no way to transfer these funds to my newly opened, non-compromised accounts. 
On XX/XX/2023 I visited the local BoA branch office in XXXX, XXXX  to unblock my accounts and to transfer the funds to the new accounts. A local BoA associate called the BoA customer service number and per the associate on the phone there were XXXX blocks on my accounts and she could remove only XXXX of them. I was assured that by calling XXXX on Monday I could easily remove the XXXX  block on my accounts to finally transfer the funds to my new accounts. 
On Monday, XX/XX/2023 I called BoA at XXXX where the first associate I was connected to was not able to help. After connection to a second associate she explained to me that I need to call Digital Fraud and she would connect me to this department. The number she gave me was XXXX. After about XXXX minutes of waiting the line disconnected. 
On Wednesday, XX/XX/2023 I called BoA at XXXX and was connected to an associate who informed me that he cant help and that I should visit a local branch office for support. 
On Saturday, XX/XX/2023 I visited the local BoA branch office in XXXX, XXXX. There seemed to be visible uneasiness to deal with my case. A female associate mentioned to me that this is more complicated and I was placed with another associate in XXXX of their customer offices. This associate explained to me that the online fraud department is closed today and that I should come back on Monday. 
I am at a loss since I have no line of sight to access my funds after XXXX week of dealing with BoA. There seems to be no defined process nor properly trained BoA associates to support my case. I also have no reason to believe that they suddenly will be able to help me on Monday. It is astonishing to me that this all started with sending me emails and messages of potential fraudulent activities on XX/XX/2023 with immediate reaction from my side and still BoA allowed the immediate transfer of funds from my accounts. 
It appears to me that I simply have no rights to my funds.

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 2023-02-04 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: AL

Complaint narrative:
on XX/XX/XXXX I was contacted by Bank of America asking if I was at XXXX XXXX trying to charge > $ XXXX on my account and I responded NO and to please close the card and send me a new one. I never received a new card and later found that someone had stolen my phone number from XXXX. This enabled them to access my phone and get into my bank accounts. Working with XXXX, my bank, the thief attempted to process a {$9000.00} online payment to Bank of America. Later I got a letter from BofA and said they had detected suspicious activity on this card and the account was locked. I told him that I did not intend to do future business with BofA and the card was supposed to be closed/cancelled XX/XX/XXXX. My bank was able to cancel the online payment for $ XXXX. Yesterday, XX/XX/XXXX, I recd a letter from BofA instructing me to go online and pay my bill for $ XXXX. I am not responsible for any charges after 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 explanation
Consumer complaint received 2023-02-04 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: FL

Complaint narrative:
In accordance with the FairCredit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15. U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 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 2023-02-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
I made a large purchase on my USAA credit card and then paid off my balance. I ended up returning the purchase, so I had a negative balance on my credit card of {$4900.00}. USAA mailed me a check for that amount. I never received the check. 

When I called USAA to ask them to reissue the check because I had not received it, I was informed it had been cashed. The only possible explanation is that it was stolen at some point in the postal system because it never made it to my locked mailbox ( I have already filed 2 claims regarding this stolen check with the United States Postal Inspection Service ).

I was sent a copy of the cashed check and the endorsement on the back is clearly not mine. It was signed over to XXXX XXXX XXXX, a company I have never heard of. It was deposited into an account that does not belong to me. 

I informed USAA that the check never made it to me and that I did not cash it. They refuse to give me the nearly XXXX XXXX dollars that I am owed and that was stolen by the owner of XXXX XXXX XXXX through no fault of my own. 

I have filed a police report. I have filed multiple claims with the United States Postal Inspection Service. I have spent countless hours on the phone with USAA and filled out all of the paperwork they have requested. They have done nothing to get the money back to me. It is not my fault that they chose to mail my money instead of delivering it to me in a safer way ( e.g., wire transfer ). It is not my fault that they did not verify the endorsement. I have in no way contributed to the loss of the funds. I want USAA held accountable for allowing a criminal to cash a check that was made out me without verifying the endorsement in any way, and I want them to pay me the {$4900.00} that they owe me.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
I moved to XXXX  in XXXX, 2018. I had my computer taken over after signing up for virus protection. They took money from my premier  checking account that i had with Santander bank for many years I then went into the XXXX branch in Massachusetts. the Manager closed my premier  checking and savings accounts and issued me a plain red card masterdebit instead of the gold premier card I had for many years!!! I never asked him to give me inferior accounts and assumed he would do his job and replace said accounts with comparable ones! now i just noticed a fraud charge on my red card as my gold card no longer works. the bank has discontinued those premier accounts now, but I was supposed to be grandfathered in as I was a XXXX  Bank member for 25 years. I want all my premier checks returned and gold card back like I had for many years!!! the XXXX thieves also stole {$7000.00} which I never received., so I'd like that deposited to premier checking

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 2023-02-04 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:
Morgage inquires withing 30 days should only be shown as one inquiry. On the credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Morgage inquires withing 30 days should only be shown as one inquiry. On the credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
I got a vanilla gift card at XXXX on XXXX for XXXX $ dollars and when I wanted to put it to work it told me I had no funds.. I called the company and they never got back to me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I submitted a request to remove a credit error that is also showing duplicate. This is affecting my credit and I am not able to purchase my home. I have given them over 60 days and 2 requests now with no resolution

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 2023-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
I was charged extra overdraft fees and then my account was closed after being charged at least XXXX in overdraft fees

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 2023-02-04 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

ACTION TAKEN - Sent Certified letters for past 3 years since XXXX, XXXX XXXX to XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX, Contacted all 3 credit bureaus to file investigations to have removed. 
XXXX XXXX XXXX XXXX Past Due Amt : {$1500.00} - Orig Charge Off Amt : {$1700.00} Date Opened : XX/XX/XXXX ACTION TAKEN : Several attempts made to Remove debt due disability insurance on account. 

XXXX Business & Dates Requested : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX- XXXXXXXX XXXX  XXXX XXXX ( XXXX ) XXXX Account Type : Individual Auto Account Status : Date Opened : XX/XX/XXXX Date Last Reported : XX/XX/XXXX Amt : {$11000.00} High Balance : {$20000.00} 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 2023-02-04 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 XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

ACTION TAKEN - Sent Certified letters for past 3 years since XXXX, XXXX XXXX to XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX, Contacted all 3 credit bureaus to file investigations to have removed. 
XXXX XXXX XXXX XXXX Past Due Amt : {$1500.00} - Orig Charge Off Amt : {$1700.00} Date Opened : XX/XX/XXXX ACTION TAKEN : Several attempts made to Remove debt due disability insurance on account. 

XXXX Business & Dates Requested : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Account Type : Individual Auto Account Status : Date Opened : XX/XX/XXXX Date Last Reported : XX/XX/XXXX Amt : {$11000.00} High Balance : {$20000.00} Balance {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04 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: GA

Complaint narrative:
I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed. 

Because according to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX ( XXXX ) XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, OR XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04 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:
I submitted a request to remove a credit error that is also showing duplicate. This is affecting my credit and I am not able to purchase my home. I have given them over 60 days and 2 requests now with no resolution

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 2023-02-04 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:
I submitted a request to remove a credit error that is also showing duplicate. This is affecting my credit and I am not able to purchase my home. I have given them over 60 days and 2 requests now with no resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: ARVEST BANK GROUP, INC.
State: AR

Complaint narrative:
Around XXXX I opened an account with my XXXX on as an authorized used with a debit card, XXXX had a past child support order from XXXX, we married in XXXX and I did not think they would XXXX my bank account due to XXXX wages being garnished. 

On XX/XX/XXXX I was checking my account online and noticed LEVY for {$73000.00} How California LEVY my account as the primary person and XXXX on the account and this Child Support Case is XXXX XXXX XXXX and I never knew the XXXX  then, I marry an individual XXXX lays all this out to me and California Child Support Services include me and garnish all my rent and bill finances that I earn to pay our bills for living? This should be illegal! 

I have to be subject to my XXXX for an incorrect child support amount while they garnish XXXX wages and put a XXXX after XXXX years of marriage? This is unlawful! 

I need answers from ARVEST Bank and California Child Support Services. 

My personal individual tax return is at stake for something I have nothing to do with.

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