vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-04 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Delete Hard inquiries : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
On XXXX day i was with my brother I won a bid on XXXX to buy a XXXX XXXX. Once I won the bid I was talking to the seller and he said to send him money through XXXX on my PNC bank. I sent him the money and then I was emailed by XXXX  to NOT send money because of suspicious activity. The guy deleted his XXXX account. I was trying to get answers and he ghosted me, and made off with XXXX dollars of mine. 

I have called and opened a claim with my bank 4 or 5 times and they said " Due to the fact you used XXXX, we can not do anything because you directly sent him that money. 

I know my bank could have done something and they did not. Please help me. Currently unemployed now and can really use that for bills

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK
State: NC

Complaint narrative:
I've recently applied for two discover credit cards and was denied. I recieved two separate adverse action letters dated XX/XX/2022 and XX/XX/2022. They have violated the equal credit oppotunity act as I've applied in good faith and discover has no lawful reason to deny me. they are governed under federal laws that protects my right as a consumer. these violations include : 1 ). 15 USC 1691 2 ). 15 USC 1642 3 ). 15 USC 1681m 4 ). 12 CFR 1002 Futhermore my social security card was used and I recieved no benefit ( Unauthorized use of credit card ). Due to this I've suffered hardship when applying for anything else due to the hard inquires on my consumer report from discover.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I opened a chase checking account on XX/XX/2022. I opened this account in order to store funds and save up some money. I generally use XXXX XXXX a lot so I regularly send deposits to my bank account. Everything was fine despite having difficulties using XXXX to transfer small funds to cover a bill. The XXXX would flag my account and I would have to call in and verify everything in order to unlock my account. The representatives assured me that it wouldnt happen again but it persisted several times after. I made a {$2000.00} from my cash app to my chase. The money deposited and I had no issues. I tried to XXXX some money to my other bank ( BofA ) to cover a bill and of course it flags my account once again. I called in to unlock my account and the representative states my account has been restricted and would be closing within 10 business days due to fraudulent /suspicious activity. They stated that the XXXX XXXX deposits are flagged because it is coming from a different name. Yes I have my XXXX XXXX under my alias name. Lots of people do this. They stated I have to prove that I am indeed the alias send a form with both names and the source of funds is legitimate. Ok no problem I submitted my XXXX XXXX statement which shows everything the transactions and transfers to my Chase account. Unfortunately the branch made a mistake in sending over the documents twice! Wasting more time and I have been so patient and understanding. So the branch finally sends over the documents and now they state based off the notes the banker put my alias as a Business basically assuming my XXXX XXXX is a business account which it is not! I stated that from the first time I spoke with a representative and told the bankers several times. The representative told me I have to go back to the branch tomorrow and have the banker call the compliance department this was told to me today XX/XX/2022. So much mistakes on Chase I feel like a victim this is absolutely unacceptable. I will be going to the branch early morning tomorrow for the 10th time. Countless phone calls and I just feel like no one is trying to help. I need my funds they ruined my birthday because they are holding my funds hostage and I will not allow them to ruin my XXXX. My BofA account which I now use with my XXXX XXXX gives me no problems whatsoever. People use aliases all the time especially with XXXX XXXX the document I submitted even proves it. I will close my account after this issue is resolved and never use or recommend chase products or services.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # 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 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 2022-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WV

Complaint narrative:
I received multiple emails from Bank of America stating that XXXX ) an application to open a bank account was was in progress, XXXX ) welcoming me to online banking XXXX ) asking me to verify my email address XXXX ) that my application was approved. I did not open a new bank account and did not authorize. XXXX of the emails contained a confirmation number, and another included the ending digits of an account number. I called customer service, and they stated they didnt see anything on their end, but these emails seem very legitimate. I forwarded the emails to BOAs abuse department and have not heard anything since.

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 2022-12-04 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
XX/XX/XXXX Dear Mr.Mrs. 

Im reporting Bank of America, inaccurate account, account number XXXX ending in XXXX Bank of America, Duplicating credit card and Misleading information and personal information with third party. Twice same account, at same time and year on XXXX, fraud and using my personal information sharing with third parties Bank of America using two companies at same time and year, on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX 


On XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, on behalf of Bank of America Letter find attached We previously sent you a letter regarding the above reference matter debt own to Bank of America , N.A On behalf of Bank of America , N.A , we are please to present you with the following offer, Bank of America , N.A will accept 60 % of the balance owed to resolved this account for less than the full amount due .This means you pay only {$3900.00} to resolved this debt. 

And On XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, Fl, retained by Bank of America Letter, find attached XXXX, XXXX XXXX XXXX, XXXX XXXX, Fl., For the amount {$7100.00}, I informed Bank of America account no mines, I deny account, account number XXXX ending in XXXX I have a victim of ID Theft, I reported matter to ID Theft Federal Trade Commission on Find attached, page dated XX/XX/XXXX This is Bank of American on a competition and duplication of monies inconsistent Misleading information on a credit card. 

XXXX credit bureau, deleted Bank of America account on XX/XX/XXXX, find attached page Unverifiable account. 

In addition I reported account to Federal Trade Commission, ID Theft There is proof of account inaccuracy, available upon Bank of America request Bank of America account, account number XXXX ending in XXXX, no mines I deny account. 

Im Demand close letter ASAP for account number XXXX ending in XXXX. 
ASAP Bank of America is affecting me by all means and mental health. 


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 explanation
Consumer complaint received 2022-12-04 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: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
In response to offer of 80k bonus miles and waived annual fee for first year, opened a Aviator Business credit card for a sole proprietorship.Met the spend requirement for 80k bonus offer but have not received the bonus miles as advertised. Contacted company after first statement to inquire and was advised to wait 4-6, or after next statement close for miles to post. Despite waiting the requested time and having another statement close, have not received 80k bonus miles.

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 2022-12-04 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
I received a letter dated XX/XX/XXXX affirming that a loan that I initiated in XXXX of XXXX ( due to be paid off in XX/XX/XXXX ), was now paid in full with NO PREPAYMENT PENALTY!!!!!!!!!

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 2022-12-04 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: DriveTime
State: GA

Complaint narrative:
I am writing to dispute the following information in my file. I recently received a copy of my credit report and noticed there is an unauthorized credit inquiry made by the company XXXX XX/XX/2021. To my knowledge, i have not signed any documents authorizing the company in question to view my credit report. this listed inquiry was without authorization, and for no legitimate business reason. 

Finally, I am requesting that it will be removed immediately from my credit report according to the provisions of 612 ( 15 USC 1681 ).

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 2022-12-04 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: U.S. BANCORP
State: NJ

Complaint narrative:
Elan financial Service had been running my credit on different credit buraus without my consent. 
I applied on a credit card with them, and they ran my credit report on XX/XX/XXXX Since then, I see my credit report is being run by them every now and then and on various credit buraus, like on XX/XX/XXXX they ran my report on XXXX, then on XX/XX/XXXX without me applying on anything with them then again, they ran my report today XX/XX/XXXX which is a XXXX??? They ran my report on XXXX. 

I had XXXX phone calls today with them, one call with customer service and they told me that they do not know and advised me to call Credit services. I called the credit service department in Elan Financial and talked to XXXX who put me on hold for XXXX minutes and finally, told me they have nothing to do with and I have to contact the credit burau directly. Called XXXX and as per XXXX I have to get an FTC report from you, and forward to them by mail so they can take an action.

Please help. I did not authorize these people of Elan Financial to keep running my credit except once on XX/XX/XXXX. all the times they ran my credit recently during XXXX were unauthorized and without me knowing.

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 2022-12-04 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: CCF Intermediate Holdings LLC
State: KY

Complaint narrative:
On XX/XX/22 money was taken from my checking account for a payday loan I do not have at Checksmart in XXXX Ky. I had paid a previous bill for my son and he told them no when asked to store my debit card on file. When the payment came out on XXXX I called them wanting to know what the charge was for. During the conversation I was told it was for the payment my son owed. I asked them to reverse the charge because I did not authorize the payment. They told me to get the money from him. I informed the woman XXXX that my account was now overdrawn and my own payments were being reversed back causing more fees. She said then my only option was to dispute the charge. I asked again for the charge to be reversed. She stated she would call her DDO and call me back. My son called and asked why they saved my card on file when he told them it was a one time payment and was told it saved automatically. I received a call from the store manager XXXX stating the XXXX XXXX said my only options were to get the money from my son or dispute the charge.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04 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:
My name is XXXX XXXX I'm writing to you regarding discrepancies I have found on my credit report. Why is this account by XXXX XXXX being reported with only XXXX credit bureau. It needs to be DELETED for INACCURACY According to FCRA : 15 U.S.C 1681s-2 ( a ) ( 1 ) ( a )

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 2022-12-04 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
TO DATE IS XX/XX/XXXX MY NAME IS XXXX, XXXX I AM FILING A COMPLAINT AGAINST EXPERIAN INFORMATION SOLUTIONS , INC. and XXXX XXXX, BOTH COMPANIES failed to follow reasonable procedures to assure maximum possible accuracy in the preparation of my consumer report consumer reports as defined in 15 U.S.C. 1681a ( d ), and consequently reported inaccurate information about me causing me irreparable harm. 
I XXXX, XXXX the Authorized Representative for XXXX XXXX has been unfairly treated due to the nature of improper credit reporting, and for the mistreatment of the credit reporting laws and compliance.These are multiple violations of the law and slander of my good name and character. REASONS : I NEVER GAVE ANY AUTHORIZED / PERMISSIBLE USE OF ANY OF MY PERSONAL INFORMATION. I refuse to be an implied surety/debtor. These are few of many violations done on my good name ; which breaks the law. These listed Violations are based on breach of fiduciary duties TILA, FCRA, GLBA, CFPA, THE Sherman Antitrust Act, FTC Act and RICO Act As a result, I was discriminated against and denied my right to extend credit. I also suffered emotionally as well as financial hardship. Therefore, your company is liable according to 15 USC 1681o This account dont belong on my consumer file and must be deleted immediately XXXX XXXX XXXX  XXXX Date opened XX/XX/XXXX Consumer reports under 15 U.S.C . 1681a ( d ) include both credit file disclosures obtained directly by me from the consumer reporting agencies and consumer reports obtained by third parties as a factor in establishing my eligibility for credit. 
Experian negligent, willfully continued to report the inaccurate information even after dispute notices under the FCRA absent notices of dispute about the accuracy of this account and I have notified Experian of an error and requested a re-investigation which never happen. 
Despite various disputes I had submitted to Experian company willfully ignored all my attempts to correct the misleading information, that resulting in the denial of various loans. 
Which cause me irreparable harm, emotional and financial stress to me. 
Experian unreasonable policies and procedures routinely report inaccurate and materially misleading information about consumer file including this account with XXXX XXXX XXXX  that have been discharged from identity theft and has no permissible purpose. 
Rather than follow reasonable procedures to assure maximum possible accuracy, as required by the FCRA, Experian frequently reported information regarding debts based on information they know is incomplete or inaccurate. 

Remove this account from my file XXXX XXXXXXXX XXXX XXXXXXXX Date XXXX ( ( please see attachments ) )

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 2022-12-04 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 XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

+ 15 USC 1666B : A creditor may not treat u payment on a credit card account under an open end consumer credit plan as late fo 266 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 2022-12-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC
State: NY

Complaint narrative:
XX/XX/2022 tried to withdrawal XXXX $ from Gemini XXXX. They halted withdrawals on that day and breached the contract I had with them by not providing my funds with in 5 business days. 

They have operated in deceitful marketing tactics and have stolen and ruined the lives of many. 

Gemini XXXX  Gemini XXXX  as their own product stating it was fully audited and backed by gemini highly regulated company

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
In accordance with the fair credit reporting act Convergent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Navy Federal XXXX has violated my rights. 

15 USC 1681 Section 602 Sates I have right to privacy.

15 USC 1618 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.

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 purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04 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: CITIBANK, N.A.
State: GA

Complaint narrative:
I am writing to dispute the following information in my file. I recently received a copy of my credit report and noticed there is an unauthorized credit inquiry made by the company XXXX XXXX XXXX XX/XX/2022 XXXX To my knowledge, i have not signed any documents authorizing the company in question to view my credit report. this listed inquiry was without authorization, and for no legitimate business reason. 

Finally, I am requesting that it will be removed immediately from my credit report according to the provisions of 612 ( 15 USC 1681 ).

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 2022-12-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
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 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 purpose.

Company response to consumer: Closed with explanation