vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I signed up for two bonuses more than 4 months ago, the XXXX bonus for XXXX  account and the XXXX bonus for saving account. However, I received neither of them. Please take a look into this matter. 
Checking account number : XXXX Saving account number : 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 monetary relief
Consumer complaint received 2024-07-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have repeatedly asked you to verify and validate this account your willful non compliance and negligence has once again violated by consumer rights. The following inaccuracy exist in this reporting after re-investigation : Date of Last Activity : is XX/XX/year> but the Two-Year payment history reporting states status is missing to support. 
Account name : XXXX Account # 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 2024-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: PA

Complaint narrative:
On XX/XX/XXXX sometime between XXXX someone was in my account and sent themselves XXXX dollars. On XX/XX/XXXX around XXXX XXXX dollars was sent to a XXXX XXXX XXXX a pay anyone transaction. I called chime multiple times trying to explain that someone had to be in my account because I DID NOT make theses transfers. After talking to the fraud department with chime they told me themselves that they can see someone was in my account. They keep asking me for more evidence I dont know what more I can do I have submitted a written statement everything I can possibly think of. I then recently received a message stating that if I sent them XXXX dollars they would send my money back. Then I got a verification code from chime as if someone was trying to login into my account. I cant just let someone get away with all my hard working money. I have been begging and pleading about this to chime for about three weeks. you guys are my last hope please help me get my money back I need it. I have rent, college, car payment, groceries a whole lot.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
I followed Mr Cooper/NationStar 's guidelines on their website for removal of my PMI from my escrow and overall mortgage payment and sent in the documentation they required. I spoke to a PMI removal rep XXXX days ago and they declined my request. My XXXX is well below XXXX  % and conservatively even below XXXX %. Reasonably my XXXX is probably XXXX % currently. I've been in my home for XXXX years and they said I had to keep PMI on my mortgage until XXXX??? That's over XXXX years of making payments until they finally remove PMI? That makes no sense but they provided no reasoning, no logic for this and no answers to my questions. ALL guidelines state that when XXXX is below XXXX % PMI is subject for removal. I would like this to be addressed as a fraudulent practice and have PMI removed immediately from my mortgage payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
I am writing to express my deep concern and frustration regarding an error with my credit card report. All three major credit bureaus have incorrectly reported a significant issue on my credit card account, which has drastically hurt my credit scores. This mistake has caused me emotional distress, as I have always been diligent about managing my finances. I am worried about the impact this error is having on my ability to secure loans and other financial opportunities. I kindly request your immediate assistance in correcting this error to restore my credit score and bring peace of mind backintomylife.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-26 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: FC HoldCo LLC
State: TX

Complaint narrative:
This is my formal complaint to FLAGSHIP CREDIT ACCEPT. I am seeking the correction of inaccurate and fraudulent account in my credit reports to accurately reflect the correct information. I assert that the account in question made on erroneous and unverified. 
In the event of any uncertainty, I urge you to reach out to me or the customer service representative associated with the relevant account. The portrayal of inaccurate and fraudulent account in my credit report are deemed violation of the Fair Credit Reporting Act ( FCRA ). As per FCRA regulations, it is imperative for you to possess documented evidence from the original creditor, ensuring the complete accuracy and truthfulness of this information. I have attached an FTC report with the report number XXXX to support this complaint.

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 2024-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
In XX/XX/year>, I chose to open a XXXX XXXX Bank of America ( BoA ) Checking account, as it had {$200.00} bonus for opening a XXXX XXXX account. The offer expires XX/XX/year>. 
The teller at the bank branch in XXXX XXXX, XXXX applied a promo code for this offer while she was creating the account with me.I chose BoA as I had my other accounts here.Basically every bank like XXXX, XXXX etc including BoA was offering some kind of bonus when you open a XXXXXXXX XXXX account. 
After waiting sufficient time I called the customer service to inquire about the bonus and I was told it is denied that I am not eligible.But they fail to explain what eligibility I did not pass. I asked like what part in your process decided that I am not eligible when I fulfilled all the requirements, they could not answer and kept saying conflicting answers, the promo was not there, in your area is is not eligible and then finally you are somehow not eligible. I showed the offer on their promotions webpage XXXX XXXX XXXXXXXX but they has no clue why my case was denied. I want to complain that they are not honoring their offer of {$200.00} when opening first time XXXX XXXX account. 
Please let me know if you need any more information. 
Thanks 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 monetary relief
Consumer complaint received 2024-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I opened my TRUIST account on XXXX XXXX and never received my first debit card to deposit the funds. I had my mother XXXX me the opening deposit before I received my card I received my paycheck by direct deposit so I had to XXXX  my other bank account ( with another financial institution ) to be able to swipe my card to pay my bills. Yesterday I was at a checkout and tried to use my card and it was declined. I tried to open the application and it told me my account had been blocked. I called them and they werent able to provide me any information. I finally reached the fraud department today and they advised that my account relationship had been terminated. I originally signed up for the {$400.00} new checking account offer and they are terminating my account.

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 2024-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
I have a payment arrangement with Credit Acceptance for which they are reporting me 6 months late after every payment that is made. According to the FCRA, they are supposed to be using Codes XXXX  and the monthly reporting code should be " G ''. This way creditors see that I'm addressing the debt and making payments. In calling Credit Acceptance, they said, " That's the way they do things. '' This is why they've been sued. They will not change the coding and want to keep affecting my credit which is illegal. The disputes to XXXX and XXXX  were not attended either.

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 2024-07-26 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: TX

Complaint narrative:
I am filing a complaint against XXXX, XXXX and TransUnion for their failure to correct inaccurate information on my credit report despite multiple dispute submissions. The inaccuracies have caused significant harm to my creditworthiness and financial standing. 

I have provided the credit reporting agency with detailed information regarding the inaccuracies and have requested corrections in accordance with the Fair Credit Reporting Act ( FCRA ). However, they have willfully and negligently failed to comply with the following statutes : 15 U.S. Code 1681n - Civil Liability for Willful Noncompliance : The agency has willfully disregarded the accuracy of my credit information.

15 U.S. Code 1681o - Civil Liability for Negligent Noncompliance : The agency has negligently failed to address the inaccuracies on my credit report.

15 U.S. Code 1692k - Civil Liability : The inaccuracies have led to unfair debt collection practices, further compounding my distress and financial damage. 

I have attached a formal letter sent to XXXX, XXXX and TransUnion, detailing my demands for correction and the legal basis for my claims. I would like the CFPB to be aware of the wrongful actions by the credit reporting agency and to intervene to ensure that they comply with their legal obligations under the FCRA and rectify the inaccuracies on my credit report promptly.

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 2024-07-26 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: TX

Complaint narrative:
I am filing a complaint against XXXX, Experian and XXXX for their failure to correct inaccurate information on my credit report despite multiple dispute submissions. The inaccuracies have caused significant harm to my creditworthiness and financial standing. 

I have provided the credit reporting agency with detailed information regarding the inaccuracies and have requested corrections in accordance with the Fair Credit Reporting Act ( FCRA ). However, they have willfully and negligently failed to comply with the following statutes : 15 U.S. Code 1681n - Civil Liability for Willful Noncompliance : The agency has willfully disregarded the accuracy of my credit information. 
15 U.S. Code 1681o - Civil Liability for Negligent Noncompliance : The agency has negligently failed to address the inaccuracies on my credit report. 
15 U.S. Code 1692k - Civil Liability : The inaccuracies have led to unfair debt collection practices, further compounding my distress and financial damage. 

I have attached a formal letter sent to XXXX, Experian and XXXX, detailing my demands for correction and the legal basis for my claims. I would like the CFPB to be aware of the wrongful actions by the credit reporting agency and to intervene to ensure that they comply with their legal obligations under the FCRA and rectify the inaccuracies on my credit report promptly.

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 2024-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I opened a bank account XX/XX/XXXX and deposited a small amount. XX/XX/XXXX I deposited XXXX and on the XXXX my account was froze and on hold until the XXXX then when that day came it was on hold until XX/XX/XXXX and when that day came it was extended u til the XXXX of XXXX. Enough is enough now there is no reason why my account should still be on hold. I need my money I have things to do. I feel I am being discriminated becuase I was asked if the checks were real.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-26 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have repeatedly asked you to verify and validate this account your willful non compliance and negligence has once again violated by consumer rights. The following inaccuracy exist in this reporting after re-investigation : Account Status : is Closed but the reporting states Closed Date : is missing info to support. 
Account name : XXXX Account # 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 2024-07-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request.

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law.

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 2024-07-26 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request.

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law.

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 2024-07-26 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: NY

Complaint narrative:
Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request.

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have repeatedly asked you to verify and validate this account your willful non compliance and negligence has once again violated by consumer rights. The following inaccuracy exist in this reporting after re-investigation : Account Status : is Closed but the Closed Date : reporting states status is missing info to support. 
Account name : XXXX Account # 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 2024-07-26 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: IN

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

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 2024-07-26 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: EQUIFAX, INC.
State: LA

Complaint narrative:
This account is not mines I have asked this company to stop reporting false information on my credit report for the past few years. I am a victim of identity theft for many years now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
A claim was filed in the amount of XXXX to Wells Fargo XXXX XXXX in late XXXX. initially some of the transactions that were involved in the file were from XX/XX/year> and did not align with the first fraudulent transactions that were made XXXX XX/XX/year> in the same locations in the same amounts from the same gas station and city. This mistake was made due to a fraud investigator lumping together all the XXXX transactions rather than just XXXX transactions that were in that same city and same time frame. The other transactions were not thoroughly investigated and were taken into the file which caused the range of time to be longer than the policy of 60 days that is the expected limit of time to take action if there is fraudulent charges that can be credited back for. The claim was denied, closed, and I was not credited for the amount disputed. I called back XXXX separate times to get a report of the claim and reopen the investigation due to an error in filing the corrected transactions that should have been disputed, and was unable to get the fraud department to send that over.

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 2024-07-26 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc.
State: MA

Complaint narrative:
I am writing to express my deep concern and frustration regarding an error with my credit card report. All three major credit bureaus have incorrectly reported a significant issue on my credit card account, which has drastically hurt my credit scores. This mistake has caused me emotional distress, as I have always been diligent about managing my finances. I am worried about the impact this error is having on my ability to secure loans and other financial opportunities. I kindly request your immediate assistance in correcting this error to restore my XXXX XXXX and bring peace of mind backintomylife.

Company response to consumer: Closed with explanation