vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-21 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ProCollect, Inc.
State: DE

Complaint narrative:
Management at XXXX XXXX XXXX XXXX XXXX XXXX  charged me a move out fee of {$640.00} and sent it to collections although I asked them for a resolution. The charge is fraudulent as I lived there for over 3 years and the carpet was in good shape, normal wear and tear. I have had no consistent correspondence and will be taking legal action against them. 

Once the charge was sent to Pro Collect Inc. collections I received calls and answered and was told there would be no way for me to dispute the charge as it's already been sent by the property manager and if I tried to dispute it, I would just be charged again. I was also told that even with a written dispute the charge would still be deemed valid because the property sent it to collections. I agreed to make the payments per month to avoid negatively impacting my credit but I will be taking this to court.

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 2024-10-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Help me please CFPB!!! 

This is my formal complaint against Goldman Sachs Bank for application denial, misappropriation of collateral, and breach of contract. 

I submitted an application for Federal Reserve XXXX in XXXX of this year. Despite providing the necessary security collateral as well as a tender of payment, my application was unjustly denied by the bank. 

According to Section XXXX of the Federal Reserve XXXX, only the Federal Reserve XXXX if Directors has the authority to approve or deny applications for Federal Reserve notes, ensuring that they are backed by adequate collateral. Goldman Sachs Bank 's actions in denying my application and retaining my collateral contravene this provision, resulting in financial loss and a breach of trust. When the were contacted and a request was made to rescind my application, they also denied the request. 

The Federal Reserve XXXX was designed to furnish an elastic currency to consumers and establish effective supervision of banking practices by member banks. XXXX XXXX 's conduct undermines these principles, highlighting a failure to adhere to their fiduciary obligations. 

I request the CFPB to investigate this matter thoroughly and ensure that Goldman Sachs Bank is held accountable for their actions. It is imperative that consumers like myself are protected from such unfair practices and I am quite positive they have been engaging with these illicit practices globally across their business. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 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: MA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2024-10-21 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: MA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Bank of America allowed dozens of {$300.00} charges from an area I was not physically located in on the XXXX XXXX. These were XXXX store charges. I was clearly using my debit card closer to home and while on vacation in another area. I discovered the fraudulent charges when Bank of America called me about a single activity that they believed was fraudulent. This is when I realized that someone had used my account fraudulently. I've waited a few weeks as instructed by Bank of America and they did not respond and I had to visit a branch location to get an answer. Once there, I was told that the claim was denied because the multiple duplicate charges to XXXX XXXX were not fraudulent. I opened another claim and I want my money back ASAP!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc.
State: NY

Complaint narrative:
I am writing to formally complain about a late payment reported by XXXX XXXX on my credit report dated XX/XX/year>. I have made multiple attempts to resolve this matter directly with the creditor, including a recent request for a goodwill adjustment due to being laid off of work. Despite my efforts, they were unwilling to remove the late payment from my credit report. 

I believe this late payment does not accurately reflect my payment history as I have consistently made timely payments before and after this incident. I am requesting the CFPB 's assistance in addressing this issue and advocating for the removal of this late payment from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 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: LA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My debit card was somehow duplicated and someone used it to purchase the following unauthorized transactions : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I contacted WFB within a couple of days and as soon as I realized these had occurred, and have since been told they are not willing to reimburse since my debit card was shown as present during the transactions. However, my PIN and signature were not given for any of the transactions. I also live quite far from the merchant locations, and I have never shopped at any of the stores.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: LA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute inaccurate information being reported on my credit report concerning late payments for my loan account, which was recently closed as of XX/XX/XXXX. The reported late payments in XXXX ( XXXX through XXXX ) and XXXX ( XXXX, XXXX, XXXX, and XXXX ) do not accurately reflect the circumstances that led to these delays, nor do they align with consumer protection laws. 

This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payment ( s ) is inaccurate. Please investigate and verify that all data for this account is reporting accurately, including every notation, date, and balance, whether reported or not. 

I also respectfully request to be provided specific proof that these alleged late payments were, in fact, late. I request to see all statements and payment transaction records from the creditor that would prove that my payment was not submitted on time. It is my understanding that you must verify these items with the reporting creditor for accuracy. If they are unable to provide that proof, or if lacking proof of these payments being late, please update my payment history to PAANL ( Paid As Agreed, Never Late ) status according to consumer protection laws.

Under 15 U.S. Code 1666c, creditors are required to ensure that periodic statements containing all relevant payment information must be delivered to consumers at least 21 days before the payment due date. Specifically, the creditor has a legal obligation to : Not treat any payment as late unless the periodic statement is delivered within the proper timeframe as described in Section 1637 ( b ).

Provide a reasonable grace period and clear communication regarding finance charges and deadlines, which ensures no unfair late payment penalties are applied when reasonable procedures have not been followed. 

Given that I caught up on all payments, have a history of more on-time payments than late ones, and paid off the loan early in XX/XX/XXXX, I respectfully request a review and removal of the late payments, as they unfairly represent my overall creditworthiness. 

Additionally, my concern is that in recent months, I have not received any mail or been contacted regarding a grace period, which raises questions about the reasonable procedures expected from creditors. This lack of communication has made it difficult to remain fully informed about my obligations. 

Please verify the accuracy of the reporting based on the above, and kindly update my account to PAANL status in compliance with the law. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely,

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 2024-10-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP
State: CA

Complaint narrative:
I opened US Bank Korean Air Skypass business credit card on XX/XX/2024. US Bank offered XXXX Korean Air miles as opening bonus with {$5000.00} spending requirement in 3 months. 

Even though I met this requirement, opening bonus was not issued so far. 
I called US Bank customer service to check situation, and customer service agent reviewed this case but had no idea why it was not issued even though spending requirement was met. He said to escalate this issue to other department to investigate further. 

Finally I received a US Bank official letter today and it said 'Unfortunately, we are unable to process this request because exiting or previous SKYPASS XXXX XXXX cardmembers are not eligible if you have received a new account bonus for this product in the last XXXX years '. 

However, when I opened this credit card, there was the different policy and I think this new policy was effective from around XX/XX/2024 which was later than my credit card opening. Based on the original policy, I met the all requirement and should receive the opening bonus. 

I think my case should be considered not the changed policy but under original opening bonus policy when I opened this account. 

Thank you Best regards

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 2024-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
On XX/XX/year>, my funds from my employer wasn't deposited into my Capital One checking account due to technical issues that the bank was experiencing. My vehicle note is withdrawal bi-weekly through XXXX at the amount of {$300.00}, on XX/XX/year>, my vehicle payment could not be withdraw due to the issue that Capital One Bank experienced causing a late payment to reflect towards me. I received an email from Capital One Bank on XX/XX/year> that advised me to call if I experienced a late payment due to the incident, I called Capital One Bank today and spoke to XXXX, identification number is XXXX, on a recorded line he stated that it was the bank 's fault.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
On XX/XX/year> I received letters via XXXX from XXXX, XXXX XXXX, XXXX and XXXX XXXX regarding credit card applications which I did not submit. I believe these applications were submitted fraudulently in my name. 

Thankfully they were all rejected. 

One rejection stated as a reason : Too many recent credit inquiries are recorded on your 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 explanation
Consumer complaint received 2024-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Someone went in to my td bank checking account without my permission and transferred funds into a cash app account several times inexplicably in the amount of over {$14000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
On XX/XX/year> I have filed a claim about a 5 times withdrawal that was not done by me on my account of {$300.00} total of {$1500.00}. XXXX XXXX, an executive officed handled the case. She issued me a temporary credit the day after while they are researching for a claim. The claim keeps on getting denied and the temporary credit was scheduled to deduct on my account by XX/XX/year>. I am ALWAYS stating that I DID NOT DO THE WITHDRAWAL. The only reason for denial is I authorized the withdrawal. Which I did not and that I dont have any atm that has been received on my possession when the withdrawal happen. 

This XXXX XXXX is always updating me about the case until XX/XX/XXXX came and the temporary credit was taken away from my bank leaving my bank to be overdrawn! 

This XXXX XXXX just keeps on prolonging everything and saying she has submitted the case to be reconsider and keeps on getting denied.

The claim keeps on getting denied with the same reason that I authorized the transaction WITHOUT PROVING IT.

I asked XXXX today, XX/XX/year> if they could give me back my money or the temporary credit because they are still reviewing the case right now for 10 days but she refused! She keeps on making me a fool!

I want that {$1500.00} money BACK PERMANENTLY.

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 2024-10-21 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:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 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: PA

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : 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 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 explanation
Consumer complaint received 2024-10-21 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: LA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-10-21 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: LA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation