vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-06 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: FL

Complaint narrative:
I never gave any written to furnish my private information to any corporations. 
As of XXXX XXXX Bank has reported an account to my credit report of {$8000.00}. 
They have violated my rights and have humiliated me in front of my friends, family and work place. 
My credit went from XXXX to XXXX with a months time do to this fraudulent activity. 
Im exercising my rights using federal law and demand these accounts to be removed.

15 US Code 1681c 15 US Code 1692

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: UPGRADE, INC.
State: WA

Complaint narrative:
On XX/XX/XXXX I opened a checking account with upgrade because they advertised an offer of getting {$200.00} if I open an account with upgrade and make XXXX debit card transactions in a 60 day period. I made my transactions within 60 days as per the bonus requirements and terms. The only disqualifiers for this offer were to not have had a checking account with upgrade before. I have never had a checking account with them before so I knew I would qualify for this offer. 

On XX/XX/XXXX I called upgrade to ask about why I haven't received my cash bonus of {$200.00}. I was told that I met all the requirements and that they would fix the error in 5 days. 

On XX/XX/XXXX I called again to ask about why my bonus hasn't been applied to my account. I was told again by the representative that I have met all the requirements and they will get the problem fixed within 5 days. I have yet to receive anything and I am frustrated in having to call again with them taking no action in fixing the problem. 

This has been a frustrating bait and switch experience that's making me consider ending my full relationship with upgrade and never use any of their services.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: MS

Complaint narrative:
I was a JCPenney Synchrony Bank customer since XXXX. I was a good customer and ALWAYS paid my bill. I had fraud charges on the card and reported it in XX/XX/XXXX and they disconnected my account and I decided to go with another company for my new card. I have had a few issues with fraud but mostly Customer Service with JCPenney. I had not rec 'd my refund of - {$71.00}, so I called them again on XX/XX/XXXX. During this call I was told by the rep ( XXXX I believe around XXXX ) I would not receive my refund until I requested to receive it!?! He submitted the request and said 7 to 15 days and I should have the refund. I advised if I had not rec 'd by XX/XX/XXXX to call back. Today, XX/XX/XXXX, I still have no refund! So, I called them and escalated 3 times ( XXXX, XXXX, XXXX, have to wait 7 business days for a call back from XXXX 's XXXX ). My question is how long do I have to keep waiting 7 to 15 days for them to process and mail a check? How much interest will I be receiving on my money they have had for over 4 months? If a customer doesn't pay on time they have a fee to pay! Why is their customer service so poor? Why does their automated system force you to enter your whole SS # when you don't have an acct with them before you get a rep? I am past irate with them but do not think I am asking too much!

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 2024-02-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I am the POA and legal Guardian for my XXXX XXXX XXXX mother with XXXX. Bank of America has all the documents that show I LEGALLY can open accounts, lines of credit, etc... they also have guardianship documents and a letter from her doctor stating she has XXXX. They REFUSE to honor these documents but insist on speaking with my mother who is bed ridden and can't tell you what she ate 2 minutes ago. XXXX patients need to be handled carefully. 1. Do not rock their world with anything that will upset them! Money matters can cause stress for them. Having the state come out because the bank has turned their daughter over for elder abuse because I stood my ground as the law and documents prescribed. Not once but twice over the years! causes stress for my mother. THIS IS ABUSE! Several years ago her tax returns were stolen and thus her identity I couldn't even get the police to prosecute the criminals and I had pictures of them cashing phony checks with my mothers signature and the car dealership where they purchased a car with mom 's funds had the thief 's info. as well! Yet, I am the one that gets harrassed, slandered and emotionally abused. How am I to serve the best interest of my loved one when these fools won't let me? If I was left as guardian for a dog and wanted to open a credit card to pay for some type of XXXX would the bank insist on speaking with the dog? Do you see the craziness of this? My mother can see and speak but has no cognitive ability to discern anything! I am hereby filing a complaint against Bank of America for emotional abuse and slander against me and failure to carry out their fiduciary responsibility to my mother and her legal wishes per legally drawn and signed documents.

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 2024-02-06 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: OH

Complaint narrative:
I recently check my XXXX XXXX and notice accounts that I have never applied for. These accounts were : 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 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 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 non-monetary relief
Consumer complaint received 2024-02-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I applied for an extension of my own credit and was denied through TD Bank.

Application ID none was given. 
They still have my application and im requiring for it to be returned or approved. 
If both request are denied I will be taking action on security fraud. 
I gave my securities with XXXX valuable exchange. 
Per the equal credit opportunity act you have violated my federal rights and I have been injured. 
This also falls under discrimination and I no longer have access to my own credit do to this fraudulent activity. 
I also never gave any written consent to my private information to be bought and sold to a third party corporation. you have humiliated me and have given me heartache. 
I demand my application to be approved or returned immediately or within 5 days of this complaint. 
I demand my private information such as the hard inquiry to be removed from any third party reporting agencies within 5 days of this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-02-06 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: Self Financial Inc.
State: KY

Complaint narrative:
I have always made it a priority to pay my bills on time, and I have a strong payment history with other creditors to support this statement. However, I believe there has been a mistake in the reporting of the late payment ( s ) mentioned above.

I kindly request a thorough investigation of these late payment ( s ) and urge you to remove any inaccurate reporting from my credit file. I understand that accurate reporting is crucial for maintaining an accurate credit history and ensuring fairness in the evaluation of my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NJ

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.I told XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXX  Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX 
Account name : XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 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 State : 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.

According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
On XX/XX/XXXX at XXXX XXXX I visited a golden one credit union at their location XXXX XXXX XXXX XXXX XXXX, CA XXXX. I deposited a cash amount of {$400.00} at the walk up atm and it took several minutes and made weird noises and spit back a recount out saying there was an error of giving me back my money sorry for the unconvinced I then went inside with my card and the receipt, once I reached the lady inside named XXXX, she then proceeded to tell me they would have to make a claim and if the atm came back uneven the money they credit me would be taken back. I proceeded to ask her so I deposited XXXX in cash and youre telling me if the machine comes back uneven you guys are going to take my money and not give me the credit and she continued to give me attitude about how what she said was policy. 


Everyone I speak to at golden one is unhelpful in telling me That it was a mistake on their end and I feel as if I have been scammed out of my {$400.00} I earned from work.

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 2024-02-06 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: TX

Complaint narrative:
I never got a response back from the bureaus. I sent letters out in XX/XX/year> and received nothing to remove personal information that I don't want on my credit report, according to the Fair Credit Reporting Act 15 USC 1681, I have the right to Privacy. Also according to 15 USC 6802. No financial Institution is not supposed to share my information to third party people. These are clear violations of my federally protected consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
I dont know this company

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I applied for a Capitol One Wal Mart credit card some time in XXXX and was approved. The card was sent in the mail, but I was debating whether to use it or not and never activated it. This month, I started getting text messages from Capitol One stating my payment was late. I called them today and explained that I never activated the card and they told me it had been automatically linked to my Wal Mart account and was my default payment method. They confirmed that I never activated the card but also that the card was being used on Walmart.com and that I owe over {$700.00} plus late fees. I asked how I would have known that the card had been linked to my account and they said the only way I would have been notified is if I had the Capitol One app. I don't have the Capitol One app because I never activated the card and didn't realize it was being used right away. Neither Capitol One nor Wal Mart asked for my consent to link the new card or even notified me that it had been linked. The customer service representative helped me for about XXXX minutes before hanging up on me. I just trying to understand how an unactivated card was allowed to be automatically added and set as my default payment method without anyone notifying me. I feel like is a really sneaky method of getting people to put themselves into debt. I'm not even an old person, so I can only imagine how hard that population is getting hit with this trick.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

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 2024-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc
State: NC

Complaint narrative:
Account opened email received on XXXX for an account I did not open or authorize. Card on the way email received on XXXX for card associated with account I did not authorize. 
Called number on the email where the automated system could locate my account, offered a call back so I didnt have to provide additional information to authenticate. Call back received and then when I expressed the account was opened without my authorization they wanted me to provide information to authenticate because they couldnt find the account without the information. Feeling this was a potential scam I did not provide information. The company is called Chime. The phone number provided to call if the account was not authorized is XXXX. 
The company would not close the unauthorized account without me providing additional information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-02-06 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: FL

Complaint narrative:
I never gave any written to furnish my private information to any corporations. 
As of XXXX XXXX Bank has reported an account to my credit report of {$8000.00}. 
They have violated my rights and have humiliated me in front of my friends, family and work place. 
My credit went from XXXX to XXXX with a months time do to this fraudulent activity. 
Im exercising my rights using federal law and demand these accounts to be removed.

15 US Code 1681c 15 US Code 1692

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 2024-02-06 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: FL

Complaint narrative:
I never gave any written to furnish my private information to any corporations. 
As of XXXX XXXX XXXX  has reported an account to my credit report of {$8000.00}. 
They have violated my rights and have humiliated me in front of my friends, family and work place. 
My credit went from XXXX to XXXX with a months time do to this fraudulent activity. 
Im exercising my rights using federal law and demand these accounts to be removed.

15 US Code 1681c 15 US Code 1692

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 2024-02-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: BMO BANK NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I purchased an RV and took out a loan with Bank of the West. The loan was sold to BMO Financial. After making several payments i noticed that all of my payment was going to interest only. I have called BMO and they said i have to pay all of the interest first then the payments go to principal. This is not what the terms are for my loan. I am unable to speak with anyone at BMO that will resolve this issue.

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