vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-15 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-15 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-15 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On Monday, XX/XX/2023, I arrived at BOAfor my XXXXXXXX XXXX appointment, which I was more than half an hour early because I had mistakenly assumed that my appointment was at XXXX XXXX Upon arriving, I was greeted by a banker and I told her that I had a XXXX appointment Sometime after, the banker invited me and took my information. However, in the process, another banker stepped in to ask my name, which I told her and she informed me that my appointment was for XXXX and not XXXX I immediately retrieved all of my information from the banker, went back into the lobby to wait for my XXXX appointment Shortly after, the banker approached me the second time but this time she asked what was the purpose of my visit, which I told her : To open my business account then she asked to see my information, which I gave her : Updated XXXX XXXX & Tax ID #, which she took with her to the back somewhere? 

Sometime after, she returned to tell me I could not open a nonprofit account because I needed proof of additional paperwork. However, she said : If you were able to change the status in XXXX from nonprofit to for-profit, she would then open the account Furthermore, she said there was no need for me to stay for my XXXX appointment ..., to go make the changes on XXXX, from nonprofit to for-profit, and come she personally ... and handed me her business card However, I felt very uncomfortable and sensed something was very strange so I decided to call my son to share my experience. I also ask him if there was any way for me to make changes on XXXX to which he said no! I felt that I was discriminated against and so I decided to make a complaint to the back but they refused to deal with the matter correctly. 

Thank you 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 2023-07-15 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am unable to get credit report from Experian by any means.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15 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: OneMain Finance Corporation
State: NY

Complaint narrative:
When I applied with XXXX they said it would be a soft pull so this was a manipulation tactic and un ethical

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Lincoln Educational Services Corporation
State: PA

Complaint narrative:
My name is XXXX XXXX and use to go to XXXX XXXX and I cant repay the loan because I got sick and have mental illness I was diagnosed with XXXX and I been struggling to pay the loan ever since and I need the loan off my credit because it giving me bad credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Ive been with XXXX XXXX XXXX  for over 20 years. They really charge me left and right from Mortgage account to credit card to debit card. Extra fee never receive my reward and so on.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I applied for a credit card with Wells Fargo, but I was denied due to not having enough time as a customer ( I opened the account when I was XXXX which was 5 years ago ), too much debt in my name ( only XXXX in student loans which can not be paid off until I have finished college ). There were XXXX other reasons I was not sure about I did not understand what she explained to me on the phone.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
To whomever it may concern, Extreme negligence in regard to handling my checking account on the part of Chase Bank has led to excessive junk fees from multiple credit card and banking institutions, considerable emotional distress, and lack of access to my funds. In XXXX, I merely sent a secure message on Chase Bank inquiring about the potential of closing my checking account, as I've had many problems with Chase this year. The representative responds by saying " The account will close when there are no pending transactions and there is a XXXX balance, '' despite never having actually given the go-ahead to close the account. As such, I first attempted to use my money to make credit card payments. These did not go through, despite funds being available, resulting in inordinate fees. I then attempted to merely transfer my money to my other checking accounts. These transactions also failed for no valid reason, as the funds were available. Then, on XX/XX/XXXX, Chase had the audacity to charge yet another {$12.00} junk fee for the account " monthly service fee, '' despite claiming that the account was closed and holding my funds hostage. This incompetence has cost me hundreds of dollars in junk fees for situations well beyond my control for payments on accounts in good standing that were just making an extra payment. I expect Chase Bank to refund all of these fees and either pay the fees incurred on other cards due to their clear administrative error on their end, contact my other banks and have them removed, or reimburse me for the costs. The statement and scheduled transferred dates attached to this complaint demonstrate that sufficient funds were available each time Chase denied a payment of transfer that resulting in a junk fee from a banking institution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-15 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
PORTFOLIO RECOVERY ASSOCIATES , LLC has ignored their grave duty to investigate such dispute received by me through the mail on XX/XX/. As the attached pdf below ( VALIDATION OF DEBT XXXX ) is such letter sent requesting everything needed by the FDCPA act in which I got no response since! They had more than five days under 15 U.S. Code 1692g and are avoiding such duties.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15 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: VA

Complaint narrative:
I recently found several inaccuracies on my credit report that was crossed with my brother 's information XXXX XXXX and submitted an dispute with Experian. I was in disbelief to discover a response I received from Experian refusing to investigate my dispute due claiming it wasn't send directly from me. I included a copy of my drivers ' license, ss number, and a bill reflecting my current residency with my dispute to accurately verify my identity and EXPERIAN WITHOUT PROVIDING ANY PROOF OR SUPPORTING DOCUMENTATION OF THEIR CLAIM STATING THE DISPUTE WASN'T SENT BY ME ( XXXX XXXX ) IS A CLEAR REFUSAL OF MY REQUEST.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
To whomever it may concern, I have XXXX American Express cards, both of which have been affected by problematic junk fee charges based on situations related to banking administrative errors, rather than lack of funds for payments. Complaint ID : XXXX was filed for a similar situation with my other AMEX card XXXX The excessive junk fees charged to my AMEX cards for an account that is : ( XXXX ) in good standing and never missed a payment/had late payment. ( XXXX ) only had payments returned because of negligence on the part of XXXX XXXX. I had several issues with my XXXX debit account this year, which led me to sending a message to XXXX inquiring about potentially closing the account. They responded saying they were closing the account once it hit XXXX balance. In fact, the messaging from XXXX XXXX  said : " The account will close when there are no pending transactions and there is a XXXX balance. If your account has a positive balance, we'll mail you a check for the remaining funds XXXX business days after the account is closed unless you transfer those funds to another account. '' Because this account is a secondary account in which I do not keep much money, I decided to just spend the remaining money on payments towards my credit cards and transfer the remaining money to XXXX of my XXXX XXXX accounts. XXXX XXXX  then proceeded to deny my transfers to XXXX XXXX in addition to denying my credit card payments, despite there being more than enough money in the account to cover the costs. Although American Express is not liability for XXXX Bank 's administrative errors, AMEX is liable for continuously charging inordinate fees for issues that are well beyond consumer control. They did something similar to me last year when XXXX XXXX had to change my account number due to fraud. Not only does AMEX charge a fee for such an error, they charge XXXX FEES for a single payment, amounting to XXXX {$29.00} charges ( {$87.00} ). This is essentially an {$87.00} charge per mistake of another banking institution. This is clearly predatory behavior, and likely illegal under consumer protection laws. I am currently in XXXX, but before I left the country, I called AMEX on XXXX separate occasions, wasting over an hour of my time on hold for them to say they will " escalate my concern, '' only to do absolutely nothing to address the inordinate fees charged to an account of a responsible customer that has never had a late payment on the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
I am a cardholder with a Capital One Venture X credit card and am in good standing as I use autopay to ensure my statement is paid off monthly. The card offers XXXX miles- up to 100,000 miles for the year - for each friend approved through my 'Refer a Friend ' link. 

I have referred three friends using their referral link but have not received the miles. Each friend has confirmed that per the referral program 's terms and conditions, they used my referral link and that they were a new Capital One credit card customer. 
- I sent one friend a referral link in XXXX XXXX who confirmed they received and were using the card since XX/XX/XXXX. 
- I sent one friend a referral link via text on XXXX XXXX, XXXX and in XXXX XXXX, XXXX she confirmed she received and was using the card - I sent one friend a referral link via text on XX/XX/XXXX and in XX/XX/XXXX she confirmed she had received and was using the card. 

These referrals amount to XXXX miles each or XXXX total, which according to XXXX XXXX have a value of XXXX cent each and is equivalent to approximately {$750.00} depending on how the points are redeemed. 

I have been monitoring my statements monthly in order to determine whether I received the points : - On XX/XX/XXXX, I called Capital One at XXXX in order to determine the status of my points. They stated it can take up to two statement periods to receive the points. 
- I called back again XX/XX/XXXX and spoke to XXXX employee # XXXX who offered me a one-time courtesy statement credit of {$250.00} and would escalate for the remaining points. 
- I called back again on XX/XX/XXXX and spoke to XXXX and XXXX employee # XXXX and was told that they have no visibility into seeing why I have not been awarded the points when I and my friends have met the terms and conditions. 

Each representative was courteous.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-15 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
30DAY EXPIRED Equifax complaint for lieing now that they need my Identification when I sen 8 times to XXXX XXXX XXXX XXXX GA XXXX. Thats an excuse to leave all these 50 inquiry that are not mine they are putting me in a hardship situation where I cant even buy a car to get to work I'm a XXXX because not one XXXX will even consider this is against the LAW its past the 30 DAYS stop making excuses take this 50 inquiry or more OFFFFFF

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15 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: TN

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
A friend had recommended a bitcoin investing advisor and service that she was successful with. I had several questions for her and contacted her advisor. 
I did two XXXX transactions for {$500.00} each to open my account and invest. 
Gainplox.com is the site. I watched my investment grow and the advisor suggested I withdrawal my profits and when I questioned my friend she said that is what she had did as well. ( They wanted a one time fee for my withdrawal code ) I did not make that transaction because I was extremely suspicious of something to good to be true. I then found out that my friend was someone that had stolen her account and I was speaking to a scammer telling me to invest with her advisor. 
Their site mentioned about still shows my initial investment, but I am sure it is bogus. I have filed a report with the FTC today ( XX/XX/XXXX ) I tried to contact Bank of American Friday when this happened by emailing them the transactions to the abuse email. No one has contacted me and they do not have anyone to speak to today as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
On XX/XX/2023, sent and dispute letter containing several inquiries that were requested from a third party without my permission after car shopping. It has been over 60 days and I've yet to have received a response from Experian regarding my dispute. Since these inquiries were ran without my permission or prior consent then they should be removed from my credit report expeditiously in addition to Experian not responding to my dispute within 30 days in accordance with the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Hello im no longer with bank of America I closed my account years ago. I had bank with them for years they had changed me XXXX of dollars overdraft fees and I called and explained to them the problem and they never corrected it. So I just close my account they really need to be responsible for taking all that money from their customers thanks!

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