vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-21 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Account opened without my consent or knowledge
Company: NEW YORK COMMUNITY BANCORP INC
State: CA

Complaint narrative:
I tried eight times to open an account with Flagstar. In the process, the site froze, at the same location every time. I contacted the bank and talked to an agent to determine if any of the accounts had gone through. He said " No. '' He wanted me to go through setting up an account with him on the phone. I did. The site froze at the same location, again. I decided if they had glitches in the set up process, where else were there glitches and decided to NOT open an account. 

Several days later, I receive THREE email congratulating me on opening accounts. THREE when I did not even complete the process for one! 

I called and talked to a rep. She said she would write up a case and have my money refunded. Nothing happened. I called the bank again the next day. Same response. She would follow up and have the bank refund my money. Nothing happened. 

I called again today. They can't refund me the money. I have to request the accounts be closed and pay a penalty for early closure! They can decide if they want to close my account or not! If they decide to close the account, I will be charged an early termination fee. 

They steal my money, then I have to pay to get it back!

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 2024-05-21 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information 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 explanation
Consumer complaint received 2024-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
to whom this may concern, ive been a victim of fraud i had got my infos stole i have a police report i had account with Bank of America somebody got my login and same thing for XXXX XXXX i need to resolve this ASAP 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 2024-05-21 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: MN

Complaint narrative:
XXXX XXXX XXXX Has Requested this account be deleted. 

SEE ATTACHED

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 2024-05-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
XX/XX/XXXX I received emails from XXXX thanking me for my purchase Two charges were on my TD XXXX XXXX card for {$200.00} and XXXX. The charges were made online. I disputed the charges with the bank and reversed the charges. The charges were placed back on my account on XX/XX/XXXX. I called the bank requesting to know why I was recharged. The bank informed me that the claim had been denied due to my approving the charges. I did not approve these charges. I have never had an account with XXXX. I never purchased anything online or in-store. I contacted XXXX and was advised that the online order was picked up at a XXXX XXXX, FL store and my email was used. I have called the bank several times. Each time the Dispute and Claims Department would send me a letter of review determining fraud did not occur stating I authorized the purchase. I did not authorize the purchase. I filed a report on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 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:
After receiving an unsatisfactory response to my initial dispute, I promptly escalated the matter by filing a dispute with the bureau. As per the FCRA, the agency is obligated to notify the furnisher of the disputed information and provide them with all relevant documentation. However, they failed to fulfill this obligation, and as a result, the furnisher continued to report the inaccurate information without any verification or correction. I also requested identifying information in reference to any supporting documentation to sustain why the items Ive disputed are continuing to report. I received nothing. 

In my previous complaint, I specifically requested identifying information and supporting documentation to justify why the disputed items are still being reported. To date, I have received no such documentation or any satisfactory explanation. 

The continued reporting of inaccurate information on my credit report is causing me significant distress and harm. 

I demand that the credit bureau take action on the following items immediately. 
XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> : Account number : N/A, The inquiry was not authorized. Remove this on my credit report immediately. 

XXXX XXXX XXXX XX/XX/year> : Account number : N/A, The inquiry was not authorized. Remove this on my credit report immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Paid and never late. Update this account on my credit report,. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Under 15 U.S. Code 1692d-Harassment and abuse have been harassed and have trauma this account in violation. As a consumer by law this account must be deleted immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. As a consumer by law this account must be deleted immediately. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. As a consumer by law this account must be deleted immediately.

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 2024-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I opened a Citibank checking account XX/XX/2024 over the phone. Sent over copies of my Driver License ( front and back ). Received debit card and set up XXXX onXX/XX/2024. Set up direct deposit on XX/XX/2024. Made two deposits thru XXXX to fund account on XX/XX/2024. On XX/XX/2024 I check my mobile app to find my account was changed to blocked. Contacted citi bank over 30 times trying to resolve the issue. They claim to have left voicemails with reference number. That would be the only way to verify my account. There calling an old number I had, they found on a credit bureau even though Im telling them I dont have that number anymore. Ive asked to just close the account and send me my Direct Deposit funds to no avail. Citi bank wont close the account they wont verify me and they are holding my pay check. Ever agent I speak to gives me a different reason whyIm not getting my funds. Today is XX/XX/2024 and things have still not been resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-21 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: GA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX Account name : XXXX  Date of inquiry XXXX XX/XX/XXXX Account name : XXXX XXXX Date of inquiry : XX/XX/XXXX Account name : XXXX XXXX  Date of inquiry : XX/XX/XXXX Account name : XXXX XXXX Date of inquiry : XX/XX/XXXX Account name : XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX Account Number : 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 2024-05-21 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX Account name : XXXX Date of inquiry XXXX XX/XX/XXXX Account name : XXXX XXXX Date of inquiry : XX/XX/XXXX Account name : XXXX XXXX Date of inquiry : XX/XX/XXXX Account name : XXXX XXXX Date of inquiry : XX/XX/XXXX Account name : XXXX  Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX Account Number : 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 2024-05-21 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: 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.

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-21 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: 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.

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

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: PA

Complaint narrative:
I am writing to bring attention to a concerning matter regarding my credit file. I have noticed the presence of a collection entry from your agency, which is surprising as I was not previously informed about this collection. Additionally, I have serious doubts about the accuracy of the debt being claimed. Under the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Therefore, I kindly request that you provide me with the required validation and take appropriate actions to address 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
Consumer complaint received 2024-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I found a number of incorrect personal information on my credit report and I contacted Experian in order to resolve these. They have down right failed to comply with FTC Regulations and refuse to fix these issues, this is a clear violation of my consumer rights.

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 2024-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
Originally opened the dispute with Apple credit card by Goldman Sachs on XX/XX/XXXX. Hired a company to do a repair on my gas stove which was backed by a 1 year warranty. The work was completed in XX/XX/XXXX. I reached out to the provider several times to let me know that the burners they replaced on the gas stove wasn't working. The technician set an appointment to come back out and check it under warranty but never showed up. I ended up having to replace the gas range and I filed a dispute with Apple/Goldman Sachs regarding the warranty not be honored and provided evidence and screenshot contacting the merchant verifying the appointment even have video evidence of the appliance not working and somehow they still sided with the merchant by them providing confirmation I made the purchase. That isn't the issue with the dispute. The problem is that I paid for a service that was supposed to be warrantied and the company failed to remedy the issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I found a number of incorrect personal information on my credit report and I contacted TransUnion in order to resolve these. They have down right failed to comply with FTC Regulations and refuse to fix these issues, this is a clear violation of my consumer rights.

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 2024-05-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Mr. Cooper Group Inc.
State: MD

Complaint narrative:
XXXX initiated a conference call between my husband and I, and Nationstar. I explained that I had not realized that our mortgage was 90+ days past due. Nationstar stated that they had called several times. My response was that the caller only said it was an attempt to collect a debt. The caller ID did not identify the caller. The voice messages did not mention XXXX, Nationstar, nor did it say this was a mortgage loan. I brought the account current immediately after I received a letter after 90 days. No notification that they were sending messages to my inbox inside the XXXX app. I logged in once to view my statements and didn't see the messages. Nationstar defended their tactics and XXXX stood with Nationstar even though we had not had problems prior to nor after this incident. The late fees are {$270.00} and I do not feel we should be forced to pay them. We have had auto loans with XXXX and had great payment records. Money is tight because we have had some medical costs that have been very difficult.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
On XXXX XXXX XXXX  I attempted to make a minimum payment of XXXX using Bread Financial Online system to make a payment on my account. It took almost 45 mins to be able to access and make a successful payment. That resulted in my payment posting {$1100.00} instead of the {$42.00} min balance. By the time I became aware of the difference the {$1100.00} payment amount was deducted from my bank account. On XXXX XXXX XXXX, I contacted a live agent at Bread financial to inquire about the difference in payment amount reflected on my preview vs what was deducted and I was informed that the full balance was not typed in the payment amount. Even though their application has a separate button for {$42.00} minimum due and {$1100.00} balance. I was also informed my payment would not post for 7 to 10 business days. I requested a XXXX balance payoff letter to have proof of this transaction. On today XX/XX/XXXX, I reviewed my account to find out I was charged a late fee {$41.00} and interest fee of {$24.00}. Even though I have faced technical glitches that are the result of bread financial that impacted my finances they are only willing to provide a credit of {$15.00}. They are not willing to take ownership of the technical glitches on their end. I had to reset my password multiple times on every occurrences I have tried to access my account this month, I have faced technical glitches with the payment system and received unacceptable responses to why the technical changes are my financial problem. 
I am seeking credit of the {$41.00} late fee and {$24.00} interest charge as I have paid off the full balance {$1100.00} on this account and no longer looking to do business with an organization that does not take ownership to their internal mistakes that lead to financial hardship transferred to the consumer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
In accordance with the fair credit reporting act this creditor has violated my rights under Section 15USC1681 602 States I have the right to privacy 15USC1681 Section 604 A Section 2 it also states an 15USC1681 consumer reporting agency can not furnish an account without my written instructions Under 15USC1666B a creditor may not treat a payment on a credit card account under an open and consumer credit as late for any purpose. Please Update these accounts to Current and remove any late reporting 's that you have furnished please as it is a violation of my rights. 

Account Name 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 non-monetary relief
Consumer complaint received 2024-05-21 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: OneMain Finance Corporation
State: PA

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. This negative rating has caused me severe financial and emotional distress and will continue to do so until it is resolved.

Company response to consumer: Closed with explanation