vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-21 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: CA

Complaint narrative:
Bank of America in XXXX or XXXX, due to my checking account having fraudulent activity, I was put on the risk alert for unauthorized payment from a check. I asked the bank for a solution and they gave me a number to their risk financial department. They also recommended changing my SSN to be able to open an account. I need a checking account to be able to get employed and help pay bills but I can't do that when there are no chances of me getting an account for work. It began with an online transaction on XX/XX/XXXX in the amount of {$220.00}. I got an email on this date about fraudulent activity. Ever since XXXX, I can't use or opened another checking account at any bank.

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 2023-06-21 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:
In accordance with the Fair Credit Reporting act. the account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told the XXXX and Transunion to reinvestigate this account : Account name : XXXX -- - Account Number : XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. I requested proof of documents to this account and they could not provide any proof. 
According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

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 2023-06-21 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
On XX/XX/2023 I attempted to deposit a check for {$600.00} from a scholarship I received from the XXXX XXXX XXXX XXXX XXXX into my Capital One savings account. XX/XX/2023 I tried to make a purchase using the debit card linked to my checking account, but it was declined. I opened my Capital One app to see if I had enough funds, and I did, but there was a message on both my checking and savings accounts that my funds are currently not available for withdrawal followed by a number to call. I called the number, and after waiting for over 10 minutes, tried to explain my situation to the operator. She told me that unless she could verify the transaction with the scholarship foundation, my accounts would remain closed. She attempted to contact the foundation with no success. After this, I asked what was needed to unfreeze my account, to which she replied that the only way she would be able to unfreeze it is if I was able to contact the foundation myself. I asked if in the meantime I could be mailed a check with the remaining balances in my accounts, and she asked why. I replied that I needed to have access to my money ( which was in my account before it was frozen ) and I cant access the funds while my account is frozen. She said that she would not be able to do this. The call lasted over 30 minutes between waiting for an operator and waiting for her to try to contact the foundation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: WELLS FARGO & COMPANY
State: SD

Complaint narrative:
I was 2 payments behind. After several denied attempts to make payment arrangements, I sent a direct same day money order to Wells Fargo and caught the payment up to date. Later that same day, after they confirmed receiving my payment ; they came to my place of employment and repossed my car. I had to pay expensive fees to get the car back and was never compensated for the costs. I have since paid off the car.

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 2023-06-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: MN

Complaint narrative:
I received a stalement from your company requesting of a payment from XXXX XXXX in the amount of {$470.00}. I am willing to pay off this account in the full amount of {$2600.00}, together with your assurance that you will accept payment in direct and immediate exchange for the original instrument of indebtedness in its original form. 
According to 12 U.S.Code 83, " No national bank shall make any loan or discount on the security of the shares of its own capital stock ''. No money, devices, or services were loaned by DISCOVER to XXXX XXXX nor CREDIT WITH XXXX. 
I request documentary evidence on account ending in XXXX, pursuant to 15 U.S Code 44 which states that it must include all documents, papers, correspondence, books of account, and financial and corporate records which involve all derives, assignees, hypothecations in connection with my all-caps name. I require this clarification in order to address the billing error for the amount shown in Exhibit ( A ). I need clarification as to who funded the account and how much is owed according to the journal and ledger entries from the date of opening of this account as described in IRS Publication 583 as the 10-K. On the public and private side showing accounts receivable and payable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
See attached documents. Remove this personal information that does not belong to 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 non-monetary relief
Consumer complaint received 2023-06-21 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: Army and Air Force Exchange Service
State: NC

Complaint narrative:
I am reporting Military Star due to false late payments on my account. This false and incorrect reporting is affecting my credit negatively. Military Star has incorrectly reported late payments on my consumer file for XX/XX/XXXX and also XXXX and XX/XX/XXXX. In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 states I have the right to privacy, 115 USC 1681 section 604a section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666 b " A creditor may not treat payment on a credit card under an open-end consumer credit plan as late for any purpose ''

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 2023-06-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX  XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : DEPTEDXXXX Account Number:XXXX Account Name : DEPTEDXXXX Account Number:XXXX  has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
Complaint is regarding the " Smart Lease '' program and buy out agreements. Ally Bank issues two separate payoffs for lease buy out ( is this legal? ). One payoff to the consumer / lessee which is based on the contractual lease agreement ( remaining payments + guaranteed residual value ) and another to a dealer called inventory payoff which is based on FMV of vehicle. 

Payoff 1 to lessee ( consumer ) : {$19000.00} Payoff 2 to dealer purchase for inventory price : {$24000.00} ( adjusted to FMV ) This basically locks the consumer out of capturing any equity ( that may exist ) in their vehicle upon a trade to dealer unless the consumer has the funds to personally payoff Ally Bank. This is completely unethical and consumer discriminatory. Then it got worse in my situation, I personally sent Ally Bank {$19000.00} to buy out and payoff my vehicle ( used Ally Bank online payment processing system ) ; however, Ally Bank adjusted the amount to {$2100.00} which was the remaining lease payments only. Ally Bank stated that the only way they will accept the buyout is via sending a certified bank check to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, KY XXXX. They have made it very challenging to payoff and buyout my vehicle. Payoff / Buyout funds were sent to Ally Bank using their online payment processing on XX/XX/XXXX in the amount of {$19000.00} from my personal savings account. Ally Bank subsequently adjusted this amount and did not accept the funds to buy out this lease claiming that those are not certified funds ; however, they had no problem accepting only partial amount of what was sent. 

Dealer was willing to pay me XXXX for the vehicle which would have resulted in net equity toward the purchase of my new vehicle of {$3300.00}. This was lost as Ally Bank would not allow the dealer to payoff the vehicle. Instead, I was forced to personally payoff the vehicle and spend {$19000.00} for which they rejected due to the method of payment. My cash out of pocket on the new vehicle purchase was now much greater than previously expected and I also needed to personally draw on another {$19000.00} to payoff Ally for which they rejected. They have made the buyout and lease payoff near impossible for consumers.

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 2023-06-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/2023 I responded to a Citibank Promotion. I opened a savings account following the link provided. I deposited {$100000.00}. the next day. The promotion was for {$5000.00} if I leave it in the account for a specified period of time. I call the bank on XX/XX/2023 to find out when I can withdraw my funds. I was told after a long time on hold that there was no promotion on that account. I requested to speak to a supervisor. They said they didn't see any promotion. I then threatened to bring a lawsuit and close all my accounts.At that point the supervisor said " Oh wait i have good news, there is a promotion and I have meet ALL the requirements and can withdraw the money. She said the funds will be deposited on XX/XX/2023. I told her that Citibank will not allow me to transfer all $ XXXX in one months time.She said just initiate a transfer from your bank. Which I did that day. I called back XX/XX/XXXX and they said there is no promotion on that account, that took XXXX minutes.I asked to speak to a supervisor who said that I didn't fund the account within the 20 days I was allowed. I told him, is name is " XXXX '' that funded it the next day. At that point he said he would have to send it in for review. He got his information form the first review which was incorrect. I am fed up with their incompetence and downright deceptions.

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 2023-06-21 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: EQUIFAX, INC.
State: NC

Complaint narrative:
In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC
State: FL

Complaint narrative:
My wife and I own our home in XXXX XXXX, FL, which took a direct hit from XXXX XXXX on XX/XX/2022. On or about XX/XX/2022 I reached out to my lender 's loan processer, Loan Care, to request a 30-day extension since my home had suffered major damage from the hurricane. They would not offer me such 30-day extension, but instead offered me a 3-month bereavement. I explained I didn't need that long, just 30 days. They said that was the only option, and there was no mention this bereavement offer would affect my credit score, but I learned later it did. I made my next payment as agreed, but they immediately notified the credit reporting agencies that I was 90-days behind on my mortgage. As a result, my credit score dropped from XXXX to XXXX. I immediately contacted them to dispute this, and promptly caught up on the payments. They have refused to take responsibility of not informing me of the consequences of their bereavement plan, nor have they updated the credit reporting agencies showing my mortgage is no longer past due. Their recent comment to me was that it isn't the agent 's responsibility to inform the homeowner the bereavement will ultimately affect their credit rating. They relied on mailing me a paper with those details, which I never received because my mailbox blew away in the hurricane. I request your assistance in getting this matter resolved as quickly as possible. Neither my lender, XXXX XXXX XXXX XXXX XXXX, or it's processing company, LoanCare, is helping me with this. Please help. Thank you.

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 2023-06-21 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: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
On XX/XX/XXXX I had a hacker take control of my phone to get my XXXX back. He got into my Wells Fargo account and transferred funds through an app called uphold to himself. I never authorized any payment. The hacker used my identity to make the transactions and he told me they were codes to block external locations of a hacker in my phone. I reported this to Wells Fargo immediately. They told me as soon as the funds were posted they would issue me a refund. When the funds were posted I contacted them and they told me that they could not issue a refund because I made those transactions. I got escalated to a higher department and they then told me that wasn't true and I would get my money back. I called to check on my claim yesterday and they told me it was denied. I submitted my evidence that I didn't make the transactions as well as provided them with my police report and they told me since I had that much evidence I would receive a refund. Today I called to check on my claim and they said it was denied and would not be reopened because I made those transactions and there was nothing they could do. The amount was 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 2023-06-21 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I am writing to inform you about a distressing incident involving a scam by an international online seller on PayPal. Despite being scammed, PayPal has not taken any action to investigate or deactivate the seller 's account. I had no opportunity to recover my money as the transaction was completed before any action could be taken. The seller 's PayPal accounts, XXXX and XXXX, are still active, posing a risk to others. 
I paid to Paypal account : XXXX first and then he requested more money from me through XXXX. 

The fraudulent transaction occurred with a seller who claimed to be a clothes and bags manufacturer based in XXXX. They offered complimentary goods for a marketing event, with the requirement of covering the shipping fee. I paid {$130.00} for the shipping fee, assuming it was reasonable given the origin in XXXX. However, after the payment, the seller requested additional funds. I refused, asked for a refund, and the seller blocked all communication. 

I contacted PayPal for assistance, but they were unable to help. Similarly, my bank couldn't assist as the payment was made directly from my checking account. I'm concerned that the seller will continue scamming others, while PayPal has taken no action to terminate their accounts or address the refund issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Dear Truist Bank, I hope this message finds you well. I am writing to request a refund of {$80.00} that was charged to my checking account yesterday. As a dedicated member of your institution, I have always trusted in your commitment to providing exceptional service. 

Unfortunately, I recently experienced some unexpected and difficult circumstances related to my father 's health. As a result, I was not aware that the assistance I received would come at a cost, and I can not afford the additional fee at this time. I am barely able to stay afloat financially, as I am constantly traveling back and forth to the hospital and trying to provide for my XXXX young boys. 

I am deeply saddened by the way I was treated over the phone by supervisor. They were not understanding of my situation and made me feel humiliated for asking for help. I understand that mistakes can happen, and I am hoping that you can find it in your hearts to assist me during this difficult time. 

I appreciate your understanding and look forward to resolving this situation as soon as possible. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. I feel like I'm being taken advantage of and being ignored. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX XXXX XXXX Opened : XX/XX/XXXX Balance Owed : {$0.00} and XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$4100.00}

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 non-monetary relief
Consumer complaint received 2023-06-21 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: NC

Complaint narrative:
In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation