vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Closed my savings act and checking account on XX/XX/2021 as if XX/XX/XXXX my checking acct is still open received and check for the remaining amount in my savings still have not received my amount from my checking and Iam being charged A monthly fee when my acct has been closed I have yet to receive my remaining amount for my checking acct, nit sure why one acct is closed and the other is open, I closed both at one time, I need answers and the remaining amount of my money called 4 times and I have not gotten anywhere, spent 2.5 hours on the phone trying to figure things out but no one seems to have the accurate answers for me

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 2021-12-23 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: NV

Complaint narrative:
I pulled my credit report form Experian and noticed that there is an additional ss number and phone numbers that are not mine or associated with me.

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 2021-12-23 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: GA

Complaint narrative:
i never consented to authorize nor benefited from the following Accounts and Inquires, Block and delete them. If i have received goods and services from the furnished Inquires, Let Equifax have one of their senior executive certify under the penalty of perjury that i did received good and service from those transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23 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: U.S. BANCORP
State: NE

Complaint narrative:
XX/XX/2021 US Bank Cardmember Service XXXX XXXX XXXX, XXXX, ND XXXX To whom it may concern, On XX/XX/2021, at approximately XXXX XXXX, I received several calls from US Bank fraud center alerting me that a fraudulent charge may have occurred on my credit card account, Upon reviewing the charge via the bank website, I confirmed that in fact an unauthorized charge occurred to XXXX for the amount of {$510.00}. I immediately returned the phone call to US Bank fraud center to report this fact. I spoke with a representative, who immediately cancelled the credit card number, issued a new credit card and disputed the charge. I was told that the charge would be reversed. 

On XX/XX/2021 I noticed that the charge was still on my credit card via the US Bank website. I contacted the US Bank fraud center by phone and was again told that the charge would be reversed. 

On XX/XX/XXXX, I received a letter by mail that stated that the fraudulent charge I received had never occurred and therefore the fraud claim was being dismissed with no action taken. I called the fraud center and spoke with a representative who told me that someone had made a mistake and that she could clearly see this was a fraudulent charge. She escalated the issue and told me I would be called by a manager within 48 hours. No one called. 

On XX/XX/2021 I called the Fraud Center again, to get an update, they told me that a manager had to call me. I told them no one called me and I wanted the issue resolved. They told me that there was nothing they could do. 

This is your notice that there is a mistake on my account, that the charge in question was not authorized by myself and that it is fraudulent. I am also notifying you that I am filing a complaint against US Bank to the Consumer Financial Protection Bureau about the issue stated in this letter since you have failed to act appropriately in resolving this matter. 

This letter will be emailed to you and sent through certified mail. 

Sincerely,

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 2021-12-23 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: MS

Complaint narrative:
I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
I was a Citi Double Cash cardholder in good standing for several years, and received a promotional offer in the mail in XXXX of 2019 advertising a {$400.00} bonus and and a 0.5 % increase in my cash back bonus ( which was already 2 % as standard ) if I opened a Citi checking account, deposited {$15000.00} within 30 days, and maintained that balance for 60 days after account opening. I did deposit {$15000.00} within 30 days, and I have maintained it to this day. 

When the 60 days passed, I contacted Citi 's credit card and customer service branches trying to figure out why my bonus had not posted and why the cash back percentage was still 2 %. The credit division claimed it was a banking problem. The banking division claimed it was a credit card problem. Finally, after hours on hold, online, and on the phone, someone said the credit card bonus was active, but the website just didn't show it. I had given up the bonus as a loss to a scam until I read on XXXX that it is normal to have to file a CFPB complaint to get Citi to pay out their bonuses ( XXXX : XXXX Citi CFPB ). 

My checking account is still active, as is my double cash card.

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 2021-12-23 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: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
When an item shows up as a duplicate an your credit report, it should easily be removed with a dispute letter to the credit reporting agency. Unfortunately, this is not the case with the incompetent employees working for XXXX. who rely heavily on their XXXX and XXXX XXXX systems to do their jobs. 
Randomly, checking my credit report around mid XXXX, I came across the same furnisher on my XXXX credit file with two completely different account numbers. 
REGIONAL ACCEPTANCE XXXX # XXXX with balance XXXX and second XXXX # XXXX with the same balance XXXX. I disputed and asked of the item to be removed. XXXX found it as verified. 
To my knowledge, I have one account with this lender. And have no idea where the second account came from. I am requesting legal action to have this incorrect information removed from my credit file immediately. Or I will be forced to take legal action.

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 2021-12-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
On XX/XX/2021 a stranger posing as a needy person wanted to make a call from my cellphone. I gave him the phone to make a call after he made the call I saw an email notification from my XXXX that XXXX $ was sent to some unknown person using my XXXX in Bank of America account. I have asked the bank created the claim for the same. After 10 days bank denied the claim. Asked me for more evidence and then I have provided call logs and police reports. After a few days, they denied the claim. I have asked them to provide the document they used to conclude that. but I have not got any emails for the same. I have asked them again for reconsideration for the same claim

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 2021-12-23 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Upstart Holdings, Inc.
State: UT

Complaint narrative:
I took out a loan from XXXX to pay off a high interest loan at XXXX. XXXX XXXX was supposed to send a check for {$8000.00} to Upgrade to pay off the loan. They sent it to Upstart in error. Upstart cashed the check on XXXX XXXX Check # XXXX the check was mailed to Upstart operations department po box XXXX XXXX XXXX California XXXX. I have spoken with XXXX XXXX and they admit to sending the check to the wrong bank but said since the other bank cashed the check there is nothing they can do. I have spoken to Upstart they said that since I do not now or have not ever had an account with them they can not do anything either. Both institutions have told me I need to speak to the other to get the issue taken care of. They have both also said I am out of luck there is no way to get the money back. Now I have to pay both the high interest loan and the one through XXXX XXXX. Someone at Upstart has pocketed the {$8000.00}. There has to be something that can be done to reverse the funds or find out where the money went so I am not stuck paying for the error made by two separate financial institutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Affirm Holdings, Inc
State: OH

Complaint narrative:
On XXXX I paid off all my Affirm loans of {$2400.00}. By XX/XX/XXXX the loans were showing " processing ''. I contacted Affirm customer service at XXXX on XXXX and was told that the loans should have processed immediately and that the issue was with my bank. Representative failed to resolve the problem. I contacted my bank and they confirmed that all the Affirm loans had been paid out on XXXX. Affirm has failed to process my payments four days after my payments. As of XXXX my loan payments of several thousands of dollars are still in " processing '' status despite the fact that mybank was already debited for those loans on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Has been an ongoing problem for over a year with them we file for XXXX relief and then were expected to pay it all back in XXXX lump sum which we did not have obviously. they said that it was being worked out and we should hear for them very soon that was back in XXXX the bottom line is we just want to refinance our house with a different company and pay them off and be done with them but whats holding us up is there reporting that were delinquent on our payments to this nightmare of an ordeal if they can remove that we can pay them off they would be done with us and we could start off on a new loan and get on with our lives

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I reviewed a copy of my credit report and I noticed unauthorized credit inquiries which violates the FCRA of the information in my credit report being 100 % accurate and verifiable. 
I never authorized such actions, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact and investigate each inquiry of such occurrence that I did not give permission for and from my understanding of the FCRA a company must have permissible purpose to pull my credit report. 
Please send the names, business address and phone numbers of those who made unauthorized credit inquiries that you spoke directly to during your investigation. Please include the name of the person who pulled my file, the date I gave permission, and the method that I gave permission ( all documents of this said permission ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
My direct deposit was paid early by my employer due to the holiday. Capital One 360 checking advertised 2 day early release of direct deposits. The amount of the direct deposit is {$12000.00}. 

XX/XX/21 - XXXX pm- No direct deposit received XX/XX/21 - XXXX am - XXXX am - XXXX am - No direct deposit XXXX am - Spoke with rep whop told me that my deposit should post to my account a few hours. 

XXXX - no direct deposit - Called Capital One again - rep tells me there must be an issue with my employer. My office is right next to my company 's XXXX. All deposit transferred without issue. ( my direct deposit is the same account & routing # used on previous direct deposit ) XXXX pm called again - asked rep if there were any type of holds, like garnishments or 3rd party holds rep says no.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I reviewed a copy of my credit report and I noticed unauthorized credit inquiries which violates the FCRA of the information in my credit report being 100 % accurate and verifiable. 
I never authorized such actions, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact and investigate each inquiry of such occurrence that I did not give permission for and from my understanding of the FCRA a company must have permissible purpose to pull my credit report. 
Please send the names, business address and phone numbers of those who made unauthorized credit inquiries that you spoke directly to during your investigation. Please include the name of the person who pulled my file, the date I gave permission, and the method that I gave permission ( all documents of this said permission ).

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 2021-12-23 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: TX

Complaint narrative:
On XX/XX/2021 please be sure to enter dates that all letters were sent. 

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 
This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2021-12-23 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: TX

Complaint narrative:
On XX/XX/2021 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2021-12-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX is calling using an fake or spoofed caller id. They have called numerous times with fake caller id.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-23 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XX/XX/2021 I have viewed my XXXX credit report and notice that there is an unauthorized inquire place in my file. This company has put a hard pull inquire on my XXXX. I have sent them letters explaining to them that I have not given any such authorization or signed any documents allowing Wells Fargo dealer service to RUN my credit. I have asked them in Both letter to provide me with A copy of the loan application with WET Signature. If they cant provide me with the information I requested, I ask that they remove this inquire from my XXXX Report. They have failed to provide this information and using stall tactics. This inquire still remain on m 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 2021-12-23 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX 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