vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
On XX/XX/2023, I opened both Checking and Savings accounts with Citizens Bank, at their XXXX, NY branch. 

I used a promotional offer code ( XXXX ), sent to my address at that time. 
The offer said I would get {$600.00} if I open accounts- {$300.00} for opening a checking account and receive monthly deposits for 3 months. 
- {$300.00} for opening a savings account and kept a {$15000.00} over 3 months. 
- Bonus would be paid on XX/XX/XXXX. 2023 When reaching out in XXXX to complain, they : - Did not have track of the promotion - After I provided the bank with the code I used again, they told me that they found it and ( accurately ) described what the voucher said, that by XX/XX/XXXX I would see the deposit. 

On XX/XX/XXXX, a XXXX after I should have received the bonus, I asked again : - They lost track of the promotion ( again ). 
- After I provided the bank with the code, now there's a " case '' ( XXXX ). 
- A customer representative told me that probably I will see the deposit by XX/XX/XXXX. 

Today is XX/XX/XXXX It's been almost 7 months since I open the account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
A bank account was opened in my name on XX/XX/2023. Also a debit card was issued in my name and sent tomy home address. I never opened up an account not applied for a BOA account. I called the fraud department and got the account canceled. They informed me to get credit monitor or locked to prevent further fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Advance America, Cash Advance Centers, Inc.
State: TX

Complaint narrative:
I am responding to your contact about a debt you are trying to collect. You filed on my credit report on XX/XX/2023, and identified the debt as from Advance America as mine but I haven't received any information to verify the validity of the debt to be mine, had any contact me via mail or had the right to dispute. Please supply the information below so that I can be fully informed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/XXXX I discovered several fraudulent inquiries on my credit report that I did not authorize : Bank Of America XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Bank 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 2023-08-01 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: NC

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXXXXXX XXXX Date of Inquiry XX/XX/2022, XXXX  Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX XXXX Date of Inquiry XX/XX/2022, XXXXXXXX XXXX  Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022 & XXXXXXXX XXXX XXXX of Inquiry XX/XX/2022

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 2023-08-01 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
A few years ago I made a purchase with my Bank of America card that offered 3 % back for online purchases. I checked the list of retailers and types of purchases that would or would not be covered prior to my purchase. The merchant I ordered from ( XXXX ) appeared to qualify. 

When I did not receive the 3 % back, I inquired with BOA and they confirmed there seemed to be no reason I would not receive the 3 % back. However, they further informed me there was nothing I could do to receive the promised credit. I asked if as a courtesy I could receive the credit. They said " no. '' I further asked in the future how I could determine if I would receive or not receive this credit. They told me besides looking at the list ( which did not work in my case ) there was nothing else I could do. I subsequently stopped using this card. 

I am aware BOA has been ordered to pay {$100.00} million to customers for illegal actions including " withholding reward bonuses explicitly promised to credit card customers. '' Regarding this purchase of {$200.00} on XX/XX/2019, BOA owes me {$6.00}. 

Note : This is almost 5 years ago and if I remembered the wrong purchase, I encourage BOA to look into my account and find the correct date and amount.

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 2023-08-01 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Delete the Inaccurate information and unauthorized inquiries from my credit report. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX unauthorized inquiries : XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-01 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Delete the Inaccurate information and unauthorized inquiries from my credit report. 
XXXX XXXX XXXX XXXX XXXX  XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX unauthorized inquiries : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: Checkr, Inc
State: MI

Complaint narrative:
XXXX XXXX FOR XXXX AND XXXX. THEY BOTH DO A BACKGROUND CHECK YEARLY. I HAVE BEEN UNABLE TO XXXX AND EARN A LIVING BECAUSE THE 3RD PARTY BACKGROUND CHECK COMPANY CALLED XXXX HAS NOT RETURNED MY BACKGROUND CHECK. I HAVE MANY ATTEMPTS TO CONTACT XXXX, XXXX, EMAIL, WEBSITE. ALL THE RESULTS SAY THE REPORT IS PENDING. I CALL XXXX SUPPORT 4-6 TIMES AND THEY SAY THEY CAN NOT DO ANYTHING TO HELP ME AS THIS IS A 3RD PARTY COMPANY. I HAVE OFFERED TO PAY FOR AND OBTAIN MY OWN CHECK THROUGH A 3RD PARTY TO RESOLVE THIS ISSUE AND THEY WILL NOT ACCEPT THIS. XXXX STARTED MY BACKGROUND CHECK IN XX/XX/2023 AND IT IS STILL PENDING, MAKING ME UNABLE XXXX XXXX. NOW XXXX US USING THE SAME COMPANY AND I HAVE BEEN UNABLE XXXX XXXX WITH THEM FOR 6 WEEKS DUE TO THIS COMPANY. I HAVE AN EXCELLENT CREDIT SCORE AND HAVE NO FELONIES. I ASKED REPEATEDLY WHAT IS THE ISSUE AND CAN I SUPPLY SOME MISSING PIECES OF INFORMATION. BOTH COMPANIES HAVE STATED THERE ARE MANY OTHER DRIVERS WITH THE SAME ISSUE. SO ITIS TIME FOR ME TO MAKE THIS REQUEST TO TRY AND GET XXXX TO CONTACT ME AND TELL ME WHY MY REPORT WITH XXXX IS STILL PENDING SINCE XXXX. THANK YOU, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I have sent multiple letters explaining why my credit report is in accurate. Neither credit bureau has responded or sent anything back to confirm the accounts on my credit report are accurate. I have sent letters dating back since XX/XX/2023 and have yet to received a valid response in accordance to the FCRA

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 2023-08-01 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I have sent multiple letters explaining why my credit report is in accurate. Neither credit bureau has responded or sent anything back to confirm the accounts on my credit report are accurate. I have sent letters dating back since XX/XX/2023 and have yet to received a valid response in accordance to the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 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: TX

Complaint narrative:
I am writing to dispute and request a correction to the data on my account with XXXX, account number XXXX. It has come to my attention that there are inaccuracies in the reported information related to late or past due charges on my account. 

I want to emphasize that my account has always been in good standing, and I have diligently made all my payments on time. Despite my consistent efforts to ensure timely payments, it appears that the data being reported does not accurately reflect the positive payment history associated with my account. 

I kindly request the Consumer Financial Protection Bureau to intervene in this matter and investigate the discrepancies on my account. I urge you to work with XXXX to rectify the inaccuracies promptly and update the data to reflect the accurate and up-to-date information about my payment history.

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 2023-08-01 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to dispute and request a correction to the data on my account with XXXX, account number XXXX. It has come to my attention that there are inaccuracies in the reported information related to late or past due charges on my account. 

I want to emphasize that my account has always been in good standing, and I have diligently made all my payments on time. Despite my consistent efforts to ensure timely payments, it appears that the data being reported does not accurately reflect the positive payment history associated with my account. 

I kindly request the Consumer Financial Protection Bureau to intervene in this matter and investigate the discrepancies on my account. I urge you to work with XXXX to rectify the inaccuracies promptly and update the data to reflect the accurate and up-to-date information about my payment history.

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 2023-08-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I received a phone call last year asking me questions about my business credit card saying they were from the credit union. I had previously noticed announcements about spoofing attempts with RBFCU. I called the customer service number at XXXX. The representative told me not to answer any questions from that number that called ( XXXX ) as it was fraudulent. Fast forward several months and my business card was closed because I didnt respond to their upgrade request. Im now unable to pay it via the app. They also occasionally send paper statements but not with the full account number so Im unable to pay electronically. I asked them to give me the full number but they refused or kept referring me to my personal account. I have to call in every month and wait an average of 25 minutes for a special payment department to locate this closed account or I have to snail mail a payment if I do get the statement in a timely manner via postal mail. I am being severely inconvenienced due to misinformation from the credit union representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/2023, I applied online for a line of credit. Wells Fargo immediately denied an extension of my credit. This is 2 violations of ECOA / Regulation B by denying me and further discouraging me from applying for an extension of my credit.

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 2023-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BMO BANK NATIONAL ASSOCIATION
State: MO

Complaint narrative:
I opened the business account on XX/XX/2023. I was supposed to receive a {$400.00} bonus for maintaining a balance of {$10000.00} for 120 days. I did that. I was only paid {$250.00}.

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 explanation
Consumer complaint received 2023-08-01 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: TX

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 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: NC

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXXXXXX XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX XXXX Date of Inquiry XX/XX/2022, XXXXXXXX XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022 & XXXX M XXXX of Inquiry XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 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: NC

Complaint narrative:
I am writing to EXPERIAN with this complaint. I sent them a letter with respect to the errors in my report, for example, date of last action, date opened, date revealed, installment status and so on. They claimed to have conducted a thorough investigation, despite the fact that it took them more than 30 days to finish it. Anyway when I checked my report, I saw no progressions made by any stretch of the imagination. The false information are still being reported. My privileges have been abused various times. According to 15 U.S.C. 1681, section 602 A, I have the right to privacy. 15 U.S.C 1681 segment 604 A Part 2. It likewise expresses a shopper revealing organization can't outfit an account without my composed guidance.

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 2023-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-01 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: FL

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my 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 2023-08-01 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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
The midland credit management company is in violation of the law. Under the 15 U.S. Code 1681- Permissible purposes of consumer reports. a ) general subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other 2 ) in accordance with written instructions of the consumer to whom it may relates. I did not give any written instructions to furnish my account or my consumer report. Further more the FCRA 15 U.S. Code 1681a - Definitions ; rules of construction SO EXCLUSION from a CONSUMER REPORT. So therefore my private information has been shared to a company who I have no contract with. DELETE AND REMOVE this incorrect data from my credit report now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: CUSTOMERS BANCORP, INC
State: TX

Complaint narrative:
On XX/XX/2023, I applied online for a line of credit. Customers Bank immediately denied an extension of my credit. This is 2 violations of ECOA / Regulation B by denying me and further discouraging me from applying for an extension of my credit.

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 2023-08-01 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
On XX/XX/23 I attempted through automatic withdrawal through my bank to pay the balance due on my Costco Citibank credit card. In error, instead of entering {$110.00}, I entered {$10000.00}. Once entered, I saw my error and attempted to correct it by hitting ESC. It appeared to have worked. I then reentered the balance due payment as {$110.00}, the correct amount. 
On XX/XX/23 I attempted to withdraw {$100.00} from my XXXX XXXX XXXX ATM but could not. When I inquired at the bank, I was told my account was overdrawn. Citibank had received both the correct balance due of {$110.00} and the erroneous {$10000.00}. My bank, XXXX XXXX XXXX reversed the incorrect transaction due to insufficient funds in my account. At that point my balance due on the Costco Citibank Visa was XXXX. 
On XX/XX/23 though I owed them nothing, Citibank resubmitted the incorrect transaction, which was honored due to my XXXX XXXX and other deposits having been received. This payment to Citibank left me with {$5.00} in. my account. When contacted, Citibank at first said they would issue a credit to my credit account. When I objected they said a check would be issued but would take XXXX business days. I was penniless and had to borrow from friends to buy food and pay bills. XXXX XXXX XXXX issued overdraft charges each time an automatic withdrawal came in. 
On XX/XX/23 I received a check from XXXX for {$9700.00} backdated to XX/XX/23 Citibank had deducted {$240.00} to cover charges made after the statement date and not yet due. I am a XXXX XXXX living on XXXX XXXX and a small pension. I was penniless. I had no money to pay any bills or even buy food while Citibank held my money not owed to them to earn interest for its bottom line.

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