vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MD

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 2024-04-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
Got a XXXX XXXX GM credit CARD approved XXXX. Paid on time and barely used the card. 3 months later account was closed and no reason as to why. I called in many times and spoke to many people at GM, who still cant figure out why card was closed. Told me To reapply again. I waited a few months then decided to reapply and see, was denied right away XXXX email stating that I applied to many times in 30 days ( when I NEVER applied to GM since the first time I got approved @ XXXX  months ago ). So the letter is a straight up lie. Called right away to speak to reps who finally got a supervisor XXXX XXXX, no last name or employee number ). I barely understood his English, but what I got from his rather rushed tone as if Im bothering him, he told me the denial is because they couldnt verify id. They NEVER ASKED for ID upload during app process. I applied thru their portal and got an immediate email within 30 seconds stating to many applications in 30 days, nothing about id verification ( which was never done by email or call from GM ). Something is falling thru the cracks at my expense and I need a real answer and not the run around w GM/ XXXX XXXX XXXX I want them to either reopen my card, or give Me a valid true reason why it was cancelled. Also. I need to know why they sent me a denial letter stating I applied too many times in 30 days when it is 100 % false. Bank deception at its best going on.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I had a checking account with Wells Fargo I was putting my money into my account and someone else was taking out the money without me knowing During this time I was taking care of my father. I wasn't getting any statements during. I made a complaint to the bank. However, they wouldn't help me. Please help me by getting my money bank from the scammer. Thank you and God Bless. 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 2024-04-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: AmeriHome Mortgage Company, LLC
State: TX

Complaint narrative:
Amerihome mortgage attempted to take advantage of us following the XXXX XXXX period. 

Trying to force us into a " XXXX '' loan modification, even though the earlier correspondence mentioned " Deferment '' as an option. 

Additional Elements : _______ - Funneling us into " debt collection '' messaging - Threatening the full amount of the suspended payments Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
Subject : Dispute of Inaccurate Information on Credit Report Violation of FCRA and 15 USC 1681i I am writing to formally dispute the presence of a collection account on my credit report, which has adversely affected my credit standing. This dispute is based on the grounds outlined in the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX XXXX, which grant consumers the right to contest inaccurate information on their credit reports. Upon reviewing my credit report, it has come to my attention that your collection entry appeared without any prior notice sent to me. This lack of notification is concerning as it contradicts the provisions of the FCRA, which mandates that consumers be informed before negative reporting is included in their credit files. On XX/XX/XXXX I spoke with XXXX XXXX XXXX XXXX ( UAS collection agent for XXXX ) who stated the company auto enroll everyone in to paperless is the reason I was not notified of any payment, he then updated the account from paperless to grounding and provided me info to access my account ( which I was not aware of nor had any information when, where or how to access ). I graduated in XX/XX/XXXX, I have no knowledge of this debt until XX/XX/XXXX. I tried to resolve the issue but XXXX and account manager for UAS stated they cant help me. I reach out to XXXX and they told me that UAS is the one who does the investigation not XXXX and then UAS will provided XXXX with the results. That does not sound like a proper investigation to me nor did I receive written proof of any investigation help by XXXX or UAS. I have requested proof of allege debt and I have not been supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. Moreover, the reported information suggests that I was XXXX days late for XXXX consecutive months. That can not be accurate according to simple math. If I had been notified of any payment to a debt, I would have fulfilled my obligations. I kindly request that you provide the following documents : A complete account history detailing the nature of the debt. The original signed contract or agreement related to the alleged debt. Any documentation proving that the debt is legally assigned to your agency. Proof of your agency 's license to collect debts in XXXX  Per the FCRA and 15 USC 1681i, I expect a thorough investigation into the accuracy of the reported late payments, followed by the correction and updating of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
XXXX XXXX that helps with lay away type loans. They keep telling me that I don't have any open accounts with them and won't accept my social security number to look up said accounts. Experian credit bureau says otherwise. When I filed the dispute, it took a couple of weeks for them to report back to me that the information was accurate. It is clearly NOT the case. XXXX  DOES NOT HAVE a fraud department. Neither company will tell me the full account number nor go into any detail as to how to rectify this problem.

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 2024-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Affirm Holdings, Inc
State: KS

Complaint narrative:
AFFIRM corp that helps with lay away type loans. They keep telling me that I don't have any open accounts with them and won't accept my social security number to look up said accounts. XXXX credit bureau says otherwise. When I filed the dispute, it took a couple of weeks for them to report back to me that the information was accurate. It is clearly NOT the case. AFFIRM DOES NOT HAVE a fraud department. Neither company will tell me the full account number nor go into any detail as to how to rectify this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: TapTap Send Inc.
State: WA

Complaint narrative:
On XXXX, I wired {$990.00} from my chase bank account ending with XXXX to my checking account in XXXX XXXX XXXX XXXX XXXX 
I checked with the associate 24hrs later to figure out why the funds were not available in my account in XXXX and the associate confirm the delivery of the funds. However, the associate asked me to wait another 24 hrs for the funds to be reflected in my account. 
I called 48 hrs and the funds were still delivered and reflected in my account. The associate still confirmed the same story and asked me to wait couple more days. 
3 weeks later, I inquired about the funds again and the associate asked me to provide my bank statement to check if the funds were not delivered to my account in XXXX. I attached my bank statement to associate ( Taptap send payment ) email proving the wire was not delivered. The associate promised to investigate the issue and involve the management team. 
On XXXX I received an email from TapTap send indicating they will not refund the wire and that they have received information from their partners confirming the delivery of the funds. 
Till today, the funds were not delivered nor did I receive a refund for my funds. 
I feel like my money was stolen from me. This company has so money bad reviews about similar problems where recipients never receive their money. They should be investigate for fraud and completely out of business!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In review of my credit profile there were some inquiries that are not mine.

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 2024-04-17 00:00:00
Product: Credit reporting 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: FL

Complaint narrative:
In review of my credit profile there were some inquiries that are not mine.

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 2024-04-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I opened a Platinum Secured account ending in XXXX in order to build my credit score. I opened with a minimum amount at first and deposited more money electronically so that my credit limit will be at {$500.00}. This is a Secured Account. The representative I spoke with at the time of opening this account- around XX/XX/XXXX- said that due to no credit history at all, whatever my security deposit amount will be my credit limit. I thought that was fair and understandable. That's why I added more money to increase my secured credit card limit. Of which, it did to {$500.00}. 

My daughter helped me with the additional deposits and these funds came from her account. My daughter 's account has been closed since XXXX. 

We have closed this Platinum Secured account ending in XXXX in XXXX and have yet received the Secured deposit. Upon calling today, XX/XX/XXXX, Capital One said that they will only return {$99.00} since I can not produce the statements that I deposited more money to increase my credit limit. 

Capital One refusing to return my security deposits. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TN

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.

has violated my rights. Or a list of inquiries : 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 explanation
Consumer complaint received 2024-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
Citi closed my account- they claim I deposited checks by mobile deposit, I didnt. They took the money for the checks they claim I deposited, I have a balance in the positive for over {$500.00} and they are refusing to release my funds. 
They never contacted me when this incident supposedly happened. Im not a millionaire- I am a hard working person that lives paycheck to paycheck. Ive eaten every bit of food in my house, the last of which was Sunday night. Today is Wednesday and I am so hungry- I dont know how I am going to work the rest of the week if I cant eat. I have bills that need to be paid- all I want is the money that is in my account- I dont owe them any money, I dont have checks written ( never have ), I havent been able to use my debit card in over 12 days- so no slow transaction that might be slow to go through. 

I am not asking for anything other than my money. They wont give me a reason as to why my funds wont be returned. 
Can banks just hold onto anyones money like this? It seems very unlikely that laws would allow banks to just ruin people in this manner. I think

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 2024-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
I opened a XXXX XXXX  account for XXXX XXXX with 5/3 bank XXXX XXXX XXXX in XXXX, Florida. I provided all documentation and the account was opened seamlessly. I directed my credit card batch deposits into the account and within a week I had around XXXX in funds. XXXX morning I logged into the app and could not access my account. I called the bank and they told me to go into a branch for assistance. 

I arrived at the branch and they said they were doing a business check and that their " back office '' needed documentation. Every document they requested was previously provided to them at the time of the account opening. Thank banker re-submitted requested information and I was told my account would be on hold for XXXX business days. 

When the time lapsed, my account was still not accessible. I went back to the branch and they said that the " back office '' was requesting additional information. I provided it immediately and he uploaded the files. When he called, he was told it would be another XXXX days. 

I have now been without access to my business funds for a week. They will not let me withdraw or close the account. They are holding my funds hostage. I asked them why they didn't do this process at the start before I started directing my deposits into the account and of course, they have no answer for me. 

I am stressed and in a bind because my vendor bills are now past due because this lengthy review process with no sight on end. I want my account re-activated or closed and funds provided me TODAY. This is perhaps the worst service I have ever had at a bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
I am writing to address Santander Consumer USA Inc. 's continued unlawful debt collection practices. Your company persists in reporting incorrect information on credit reports, employing aggressive tactics, and violating consumer rights. 

Predatory Lending and Bad Credit Reporting Practices : Santander has been found guilty of predatory lending practices, exposing subprime consumers to unnecessarily high levels of risk. 

Your company knowingly placed consumers into auto loans with a high probability of default, disregarding their ability to repay. 

Additionally, Santanders credit reporting practices have harmed my financial well-being.

Aggressive Debt Collection Tactics : Despite a cease and desist letter previously sent and acknowledged by your organization, Santander continues to employ forceful and illegal tactics to collect debts. 

These tactics include harassment, intimidation, and disregard for the health and safety of consumers. 

XXXX XXXX XXXX XXXX XXXX I personally experienced an incident where Chrysler Capital/ Santander representatives held me against my will during an attempt to repossess my vehicle. 

Their actions resulted in XXXX XXXX XXXX XXXX XXXX which is unacceptable and in violation of my rights. 

Evidence of Misconduct : I have attached video screenshots that clearly demonstrate the use of force and complete disregard for my well-being during debt collection. 

These actions were taken despite clear instructions to release the debt. 


Settlement Acknowledgment : - I am aware of the {$550.00} XXXX settlement reached in XXXX XXXX XXXX XXXX XXXX XXXX XXXX Attorneys General colleagues, and Santander Consumer USA Inc. - The settlement addresses allegations related to deceptive lending practices, unfair loan terms, and aggressive debt collection tactics. - It requires Santander to provide relief to consumers through restitution payments and debt cancellation. - Pennsylvania consumers are eligible for at least {$14.00} XXXX in relief, including {$2.00} XXXX in restitution and at least {$12.00} XXXX in debt cancellation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY

Complaint narrative:
SUBJECT : Asset backed Securities XXXX XXXX turned into receivables with no equal consideration given Lack of Indenture Agreement per SEC filings BREACH OF FIDUCIARY DUTIES by appointed Trustee XXXX XXXX, vice President XXXX XXXX XXXX XXXX I applied twice online for American Express charge cards and received XXXX letters of denial of credit dated XXXX and XXXX XXXX from customer service, to which I responded reversing the denial of credit through registered mail XXXX sent to XXXX XXXX XXXX and XXXX sent to XXXX XXXX XXXX XXXX Chief Legal Office, both of which were received on XXXX at corporate headquarters American Express Company XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 

After receiving XXXX letters with denial of credits signed by XXXX XXXX, XXXX XXXX answering for XXXX XXXX XXXX, I wrote XXXX emails to XXXX XXXX, Chairman for American Express at XXXX on the XXXX and XXXX and an email to XXXX  at XXXX dated XXXX, all of which remain unanswered until today. During this period, I called 3 times to follow up and check they had been received and spoke with XXXX who answeres for chairman 's office, who can confirm. 

On XXXX I sent Notices of Breach of Fiduciary Duties via registered insured mail XXXX with notice of Breach of Fiduciary Duties to the appointed Trustee, XXXX XXXX, Vice Presidente of XXXX XXXX XXXX XXXX XXXXXXXX, as per American Express Fourth supplemental Indenture Agreement dated XX/XX/XXXX, and registered insured mail XXXX XXXX to XXXX XXXX, Chief legal Office. 

I filed complaint XXXX XXXX with CFPB to which American Express answered that their procedures were " in compliance with all laws and regulations '', not only not addressing their unlawful BREACH OF FIDUCIARY DUTIES nor giving me back my original asset backed securities, as requested, which is unlawful and securities fraud. 

No charge cards were given nor were my applications returned until today.

Company response to consumer: Closed with explanation