vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-15 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: BMO BANK NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
In accordance with the fair Credit reporting act, I sent this company multiple letters exercising my right to privacy, I explicitly informed them that I did not and never consented to REPORTING CONSUMER EXPERIENCE, yet this company continues to violate my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. I sent this company letter on XX/XX/2023 via USPS Certified Mail # XXXX to remove this inaccurate information that has already been PAID IN FULL, yet this company is continuing to report that the account is delinquent when they have in fact already been PAID IN FULL. This company is preventing me from opening bank accounts, I have been denied over 7 times and been hit with multiple hard inquiries as a direct result of this company 's actions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
I had a Capital One Quicksilver card with considerable cash back built up - approximately {$1700.00}. On XX/XX/2023, I was on the Quicksilver App when I noticed that I was eligible to upgrade to the Capital One Venture card. I had been looking for a travel credit card, so I did so. Part of the reason I chose the Venture card was the advertising for XXXX bonus miles. 

On XX/XX/2023, I found out that Capital One would not honor the bonus miles as I was an " upgrading '' customer and not a new customer. I also found out that Capital One converted my {$1700.00} in cash-back to " miles '' that now have a cash value of only {$890.00}. In a span of two days, I Capital One essentially stole {$890.00} of my cash-back that I had accumulated over six years, and also refused to honor the bonus miles for the Capital One Venture card that is on all of their promotional materials. I tried calling Capital One about this matter, but they claimed they would not change my card back to Quicksilver and restore my cash-back, and they also refused to provide the bonus miles. There was no clear warning in the App when I " upgraded '' the card that I would lose my Quicksilver cash-back and that I would not qualify for the bonus miles. Capital One customer service claimed they could not do anything to make this issue right. Had I known I would lose the cash-back I had already accrued and that I would not get the promotional bonus miles, I NEVER would have " upgraded '' to the Venture card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: TMX Finance LLC
State: FL

Complaint narrative:
I got this loan last XXXX for XXXX I had the payments done on auto payment well I lost my job and it has been a struggle to keep up with I also lost my housing I have explained this to title-max they have not helped at all if I dont have a certain amount they wont take anything toward the payment. I didn't really qualify for the loan they told me just to bring my title and they would make it work from there. From the beginning they never asked for any documentation. They repossessed it one time I paid XXXX to get it back. They repossessed it again the last week of XXXX and told me that if i didn't have XXXX I couldn't get it back. They told me I had 10 days to pay or it was going to auction I asked If i could pay the past due they declined once I asked for documentation they would not provide anything to me. I have called the local branch to update my number and address change they would not update so I have no idea what is happening because there is no means of communication. They told me If i got legal involved they have the top lawyers and I can just wish my car goodbye.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15 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: IL

Complaint narrative:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I tried to pay off my credit cards and I was not made aware the mailing address had changed. I resent the payment after it was returned to sender and it arrived on XX/XX/XXXX but they didn't apply the payment until XX/XX/XXXX. My due date was XX/XX/XXXX. When I called they reversed one late fee but not any of the interest or fees that were charged due to the payment being applied late. The company should owe me money because I overpaid. Then they had the nerve to tell me that I need to make my payments on time. I did make my payment on time. I have another card for a different store with the same company and I am having the same problem. I have proof of delivery of payments and I just want my cards balance to be paid off and be paid back the excess funds I sent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-15 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: GLOBAL CREDIT UNION
State: CA

Complaint narrative:
My wallet was stolen and phone and the following transactions made it was a XXXX for me on XXXX XXXX. I didnt get my phone back to the XXXX of XXXX. Found out they were fraudulent charges made. Call my bank disputed them They also deposited a fraudulent check that I was told I wouldnt be faulted for and now theyre trying to tell me that everything is my fault

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: NY

Complaint narrative:
My Complaint is against XXXX XXXX XXXX  and PNC Bank The response to my claim # XXXX through CFPB is unreasonable. After waiting for more than 2 months XXXX XXXX is recommending me to follow up with recipient bank which is PNC Bank. 

I have done this follow up on XX/XX/XXXX with PNC Bank and was informed : XXXX the account number was incorrect so the money was sent back to XXXX  XXXX within XXXX business days XXXX since I am not their client any further follow-up must be with XXXX  XXXX. 
XXXX. PNC would work on the matter with XXXX XXXX. 

XXXX XXXX is washing it's hands off my claim without just cause. I need their fraud department to fully investigate the matter along-with the fraud department of PNC Bank and XXXX to a proper conclusion and to locate the {$10000.00} transferred from my account. 

Please call me @ ( XXXX ) XXXX or email XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15 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: TX

Complaint narrative:
I noticed there are late payments listed for a collection accounts that I did not sign a payment agreements for. These collection agencies claiming a history of late payments are a false representations to my relationship with them. Im constantly getting denied for homes, cars, and other things that are needed to take care of me and my son and its becoming a big inconvenience.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15 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: BARCLAYS BANK DELAWARE
State: AR

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

15 USC 1681 Section 602 States that I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for a 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 2023-08-15 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: CA

Complaint narrative:
Please remove the fraudulent hard inquiry on my credit report from XXXXXXXX XXXX from XX/XX/2021. Attached is the letter from XXXXXXXX XXXX requesting/approving the removal of the unauthorized hard inquiry.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Mortgage Research Center, LLC
State: CA

Complaint narrative:
Hello I filed covid 19 with veteran 's united homes loans, they sold my loan to a debt collection agency, now XXXX XXXX XXXX is asking for the lump sums of money during my covid 19 hardship I was experiencing during my loan through veterans united home loans. How can a company do this during a hardship situation. I had my car reposed during this time also, was behind on all my bills during the crisis situation. I currently started working again this year in XXXX, 2023

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: DISCOVER BANK
State: CA

Complaint narrative:
Dear Sir and Madam, I have sent two letters to XXXX on XX/XX/2023 and XX/XX/2023, and submitted two consumer compliance forms. I just received a letter from them on XX/XX/2023, requesting me to file a complaint with you. My request is simple : please do not have DISCOVER company send any further payment recovery bills, as the bill is not my purchase or consumption item from beginning to end, and I can not find the seller 's address. I hope you can handle this matter well, please don't be disturbed by DISCOVER company again. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: WA

Complaint narrative:
On XX/XX/2023, through USPS Registered Mail I sent Discover card a Payment. of {$18000.00} tracking number XXXX. 
On XX/XX/2023 Discover Card received my payment. via USPS registered mail tracking number XXXX. 
on XX/XX/2023 they posted my payment to the account and closed my account due to a reported fraud issue I had in XXXX. 
On XX/XX/XXXX I called after noticing my payment had been posted to my account and I had an available balance of XXXX but I was unable to use my card. 
Discover card then informed me that they closed my account due to reported fraud in XXXX. I was not aware that Discover Card closed my account. I asked them due to the current payment I made in the amount of {$18000.00}, I would like this addressed and either open my account back up and or send me my payment back to me via USPS delivery of my original payment method I had sent to them. Or they could send the payment back to my bank account currently on file. 
They opened a new account and informed me it would take 7-10 days to transfer the payment to my account. 
The {$18000.00} was never made available on my new account nor was it returned to me like I requested VIA-check sent through USPS. I have requested this multiple times for Discover Card to either return the physical payment that I sent to them or issue me a check for that amount and send it to my address on file. 
I still have not received my payment back nor have they credited my account. They continue to call me to try to receive more payments from me, even though I have explained this situation multiple times. 
DISCOVER CARDS Failure to honor, process and credit the intended account has caused loss injury and harm. An offer Of performance was tendered, in good faith as full satisfaction of the claim referenced herein, with the intent of extinguishing any alleged debt, duty, obligation, or liability. Itis their duty to honor this instrument, to know, abide by, and operate under the law, 18 USC 8 applies.

The Note, credit agreements, bills of exchange and checks are defined as legal tender, or money, by the statutes such as 12 USC 1813 ( 1 ) ( 1 ), UCC 1-201 ( 24 ) ,3-104, 8-102 ( 9 ) ,9-102 ( 9 ), ( 11 ), ( 12 ) b, ( 49 ), ( 64 ) .15 USC

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
Thank you for listening to me. 
I went to the bank with a a promo card to receive {$600.00} total. 
We discussed the card. XXXX if I deposit {$15000.00} in a new savings account. I had taken it from our primary bank. So I could qualify for it, then XXXX for a direct deposit. We had that transfered document ready. I went to the bank to check on my deposit. And I see they did not honor the other the XXXX deposit because the banker failed to open a savings. This is not my fault. I did what the card ask. XXXX and I brought them just that. The XXXX At the XXXX XXXX XXXX XXXX ohio told me " No ''. and refused to accept responsibility for their oversight. I did everything they requested

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
THIS ACCOUNT GIVING ME XXXX I CAN'T EVEN SLEEP WITH THIS, PLEASE REMOVE IT FROM MY CREDIT REPORT, I SEND ALL TE DOCS THEY NEEDED TO REMOVE IT AND I'M BEGGING YOU PLEASE..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-15 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: FL

Complaint narrative:
I took a look at my recent credit report and noticed a great quantity of INQUIRIES on my credit report. I added some already but will be relisted below along with some other inquires with the date of inquiry i could not add before. 
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 
I want all of these fraudulent unauthorized inquires off of my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation. I implore you to take immediate action to update 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 2023-08-15 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
THIS ACCOUNT GIVING ME XXXX I CAN'T EVEN SLEEP WITH THIS, PLEASE REMOVE IT FROM MY CREDIT REPORT, I SEND ALL TE DOCS THEY NEEDED TO REMOVE IT AND I'M BEGGING YOU PLEASE..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Please assist in deleting these items from my credit report 4 days after you receive this notice. I'm willing to accept the deletions of the unauthorized erroneous items instead of taking legal action for the violations you clearly made. 

These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these inquiries to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank of America is holding {$10000.00} of my money, which I can't access. 
This is going on for 2 months. 
I don't know why they will not release the funds. 
XXXX opened an unauthorized savings account from my Bank of America and froze the account and I haven't any access to XXXX  I am in wealth management. 
Bank of America will not release the funds and close the account and transfer it to my new checking 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 2023-08-15 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA

Complaint narrative:
I sent {$2000.00} to my parent on XX/XX/XXXX through Money Gram, and the money keep on showing " On the way '' through the apps, after a few business days, I call their customer service XXXX and find out what the updates, I were told that the money is being held due to possibly fraud, which is understandable and appreciate the extra step they did. so I confirmed with the reps say the money transfer is not a fraud and it is for my parents, so he said he has cleared the hold and the fund should be available momentarily. 

On XXXX, the money is still showing " On the way '', I call the customer service again, and the reps said they cleared the hold but it was the other bank in XXXX not accepting the funds, and they are opening the investigation case and find out. 

On XXXX, I told my parent to check with their local bank, and their bank respond say they did not block any incoming fund and there is no notification on their end there is such transaction coming in from Money Gram On XXXX, I reach out to money gram through email again with the updates I received, Their respond is to ask me wait for 10 business day. 

On XX/XX/XXXX, they respond to me say they are requesting refund now through the XXXXXXXX XXXX, and it was them who rejected the fund. which is not true because the other bank already informed us, they did not receive any transaction through Money Gram Now, my parent and I have been waiting for 2 weeks now for this money to get transfer, and there is no update and little to no helps from money gram. They need this money by end of XXXX, It is for their living cost, and they are XXXX  people.

Company response to consumer: Closed with explanation