vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-20 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: NY

Complaint narrative:
I was a victim of identity theft I did not open this account it is not mine I have no knowledge of this account and I have received no credit or equipment for this account it's a corporate account I did not personally guarantee it and I did not authorize it to report on my personal credit Business accounts on personal credit reports I'm not allowed unless there's a personal guarantee which I did not authorize in any way shape or fashion this company failed to notice the memo on my credit reports before issuing credit that says I was a victim of identity theft into contact me before issuing any credit under my name so therefore they are at fault for this as well so if this is not deleted are the five business days as it is required under FCRA in federal laws I will be filing arbitration in following Will be a swift litigation this is irreparably ruin my reputation make my credit my Bility to turn to grow in and operate in this tough economy and is causing great pain and suffering to my family of XXXX so under the provisions of the FCRA that protect me and state and federal laws and requested that this be immediately deleted I'm attaching my FTC report and all relevant data

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
My account was opened on XX/XX/2023, with a cashier 's check of {$100000.00}, which I received from a trusted business associate who banks with XXXX Bank. I expected a smooth and hassle-free banking experience, but unfortunately, this has not been the case. 

On XX/XX/XXXX, I received a temporary password to access my account online. However, when I attempted to log in on XX/XX/XXXX, I was unable to do so with the temporary password. Upon calling your customer service, I was informed that my account had been placed on hold due to suspicions of a fraudulent check. I was further advised to visit a local branch to complete a new signature card because my previous signature was deemed illegible. 

Acting promptly, I visited a local branch on XX/XX/XXXX, only to be informed that my account had been closed due to the alleged fraudulent check. This decision astounded me since the cashier 's check in question was directly issued by my associate 's bank, XXXX Bank. I find it perplexing that a cashier 's check from such a reputable institution could be considered fraudulent. 

To add to my frustration, when I requested documentation confirming the account closure and the return of funds to XXXX Bank, I was met with an unhelpful and rude response from your banker, XXXX. His behavior was unprofessional and did not reflect the level of service I expected from Truist Bank. 

I heeded his advice and had my business associate contact XXXX Bank, only to discover that the cashier 's check had been cleared on XX/XX/XXXX, and XXXX Bank had not received any funds returned from Truist Bank. This situation has left me deeply troubled and frustrated. Not only has my brand new business account been closed without a clear explanation, but my {$100000.00} check appears to be in a state of limbo. 

I am writing to request immediate resolution to this matter, including a thorough investigation into the unprofessional conduct of banker XXXX. I need comprehensive answers regarding the whereabouts of my money and a detailed explanation as to why my account was closed without just cause. It is imperative that Truist Bank rectify this situation promptly to restore my trust in your institution and ensure the integrity of my business. 

I kindly request that you investigate this issue thoroughly, address the unprofessional behavior of banker XXXX, and provide me with a resolution within XXXX business days. I expect to receive documentation confirming the closure of my account and the return of my funds to XXXX Bank. 

Failure to address this matter promptly will leave me with no choice but to escalate my complaint to relevant regulatory authorities and seek legal recourse. I trust that it will not come to that, and we can resolve this issue amicably.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
My wife and I had approx {$2100.00} in fraudulent debit card transactions come out of our checking account. XXXX XXXX was notified of the transactions, they originally denied the claim without a full investigation. Apparently Chase Bank merely called XXXX XXXX without doing a full investigation and denied our debit card fraud claim. We contested XXXX XXXX denial, now they have reopened their investigation, to include our recommendation to look at ip addresses and states/addresses of the fraudulent activity. Chase has not followed the Debit Card laws in not only denying our request for reimbursement, but also failing to do a full investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
BMW Financial Services reports my account as 30 days late when it has NEVER been 30 days late. I reached out to XXXX also for a resolution sending them the Statements for the months of XXXX, XXXX, XXXX, XXXX and XXXX which have payment due and received dates on them. I also called XXXX and the representative acknowledged that payment was not 30 days late, She stated give it 45 days and the issue should be resolved. After the review was completed the update was ND for current month and 5 late payments still remain on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 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 firmly insist on the removal of these misleading accounts from my credit report, as I never provided authorization for their use. It is essential that you swiftly erase this inaccurate account from my records.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
Requested directly to Office of the Chairman to remove me from overdraft service which is a cost of XXXX XXXX/year plus transaction fees. I could not locate where this can be done on line. My account was still charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ID

Complaint narrative:
My cards were stolen from my person on XXXX from a local store. I was not made aware immediately. The fraudulent charge was posted the following week due to it being an end-of-week date, so I did not receive a bank notification or statement notification for the balance until the following Monday. I filed a dispute with Bank of America for the transaction of {$1200.00} for a fraudulent XXXX purchase that was later determined to be an anonymous online purchase by investigating police. The police case number was provided to Bank of America by phone once made on XX/XX/ and I was not advised at that time that my case had been closed. Initially, the claim was rejected stating that it had not posted to my account when it had. They re-opened the case after I called a second time in late XXXX inquiring why there had been no updates and after receiving a determination letter that the claim had been rejected for not posting and provided my account the credit at that time. After investigating, they determined that they would not pay on the account due to my " required physical presence '' for the order, which I was not present for. I have not provided my PIN or signature to any individual and online credit card purchases do not require a signature. I have requested all paper documentation regarding this case and am filing a complaint with the bank as well as CFPB. BOFA informed me that there was no documentation available to send but they will re-open the claim for consideration without the credit to the account with a determination due in 45 days. 

Crime Case Number : XXXX, XXXX XXXX Police Department BOFA Claim 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 monetary relief
Consumer complaint received 2023-09-20 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am a victim of identity theft and I have tried to contact the credit reporting agencies. They are not processing my disputes correctly and not attaching my FTC reports to the disputes. I have asked for copies of the verification process and never get them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 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: GA

Complaint narrative:
I am a victim of identity theft and I have tried to contact the credit reporting agencies. They are not processing my disputes correctly and not attaching my FTC reports to the disputes. I have asked for copies of the verification process and never get them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 00:00:00
Product: Credit card — Store credit card
Issue: Problem with fraud alerts or security freezes — 
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
I received information that a credit account was opened using my information. I did not authorize this account. The perpetrator used the card linked to my information and my credit score is negatively impacted along with thousands of dollars in charges. This has happened twice with the same bank : Sychrony. I would like a freeze to be placed on my credit that no accounts may be opened until this matter is resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-20 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XX/XX/2023 I called the number on the back of my Bluebird American Express Prepaid Debit Card, because I had noticed 6 unauthorized charges on my account. 
Unauthorized Charges as follows : XX/XX/2023 XXXX XXXX XXXX ATM Withdrawal {$100.00} XX/XX/2023 XXXX XXXX XXXX ATM Withdrawal {$200.00} XX/XX/2023 XXXX XXXX XXXX WA XXXX, CA {$55.00} XX/XX/2023 XXXX XXXX XXXX WA XXXX, CA {$110.00} In addition there were XXXX ATM fees for {$2.00} each which Bluebird Customer Service reversed those charges right away. 
During this call, we closed my card and they were sending me a new card. I was advised that i would need to wait for the XXXX XXXX transactions to post and call back when they do. I called back and reported the XXXX transactions when they posted to the account. I also uploaded the declaration of fraud they request on XX/XX/2023. On XX/XX/2023 I received an email from customer service saying " Based upon our investigation we have determined that no error occurred and that transaction ( XXXX ) in question was authorized. Therefore the transaction ( XXXX ) is not eligible for credit to your Account. 

You have the right to review any documents we relied upon in making our determination..I mailed the letter on XX/XX/2023. '' I called customer service on XX/XX/2023 and they apologized and said they could process it again. So I had them reprocess my claim and went through the exact same procedure and received the exact same results. In the mean time I had to send a second letter on XX/XX/2023 to request evidence because my tracking said it was delayed. on XX/XX/2023 they called me and told me that there was no evidence to send me. and that there excuse was Goods and Services ; Transaction was determined to be a possible billing error, otherwise valid charge, or inconclusive to be accepted as fraud. 
They sent me an email because i asked for it in writing. I can provide a PDF but the wording above is highlighted and when i saved to pdf it took off the highlights. but i can provide all evidence. 
I have basically told them that I have never been to XXXX and I was at my home when these charges took place. I also never write down my pin like they tell us. I believe my card was skimmed at an ATM machine ( that is the only place this type of card uses a pin number ) and then my card was cloned. I still have the card, it never left my possession.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I have been reaching out to Paypal since XX/XX/2023. They asked for a compliance letter a few months before this issue. I provided it to them. I got the approval, all good email. Then out of no where in XXXX my account gets locked. I see a notice saying I need to provide documentation proving we are compliant now because they don't approve of me selling my product online. ( Which we are compliant with the state, so this is annoying to begin with. ) Other wise my funds will remain locked. 
I had our legal team prepare the official letter and submitted it the beginning of XXXX. Nothing changed with my account 5 days later, so i reached out to them again. I have been contacting this company non stop since. They have a weird glitch going on in the website, saying I have another step to complete, even though it has been completed already. I even had an open tech case with the company, that was closed saying it wasn't a tech problem. Their company needed to " review '' the issue in the backend team. That never seems to do their job I guess. 
I have attached my record of every convo that I've had with them, including phone calls. There's too many to put down in this box. 
All of their employees say the same thing basically every time, " We don't know, we will escalate your issue, our back team has to approve this and you should hear back in 5 days. '' They are withholding money ( {$210.00} ) from my business for regulations I am clearly in compliance for. And have zero intent to do anything about it apparently. This is going on almost 4 months now and Im still getting no where any time soon. Its been over a month since they have even tried to contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I lost my card around XX/XX/XXXX ( Account # XXXX XXXX XXXX XXXX Visa Signature but shown as Account # XXXX XXXX XXXX XXXX on XX/XX/XXXX closing statement ), which is currently # XXXX XXXX XXXX XXXX, and I found out about it around XXXX and then reported it lost and stolen. Apparently, I also saw another transaction on XX/XX/XXXX that wasn't mine. I had to report it to the issuer, Bank of America, and I wanted to let them know that I didn't make these charges. After a month of not hearing from the bank or getting any letters, I decided to call them back and ask for an update, and I was told that it was resolved almost 2 weeks later. After speaking with the representative, I was told by the bank that I made these charges even though I did not have the card in my possession, and so all provisional credits were reversed. I decided that I wanted to reopen the case with a police report on file, and right now it is stuck pending. 

I was told that a letter was sent out to me, but I never got the letter, and when I checked online, it didn't say anything other than a reason why it was closed. The letter said " The merchant provided documentation confirming you received the merchandise or service ''. I saw a number on the bottom of the PDF letter, and I called for information and detailed information, but I never go to that letter after requesting it over a month, so I called around the beginning of XXXX, and they said that they were still researching, but no provisional credit was issued to me. I have no information about the letter or any evidence supporting it, so I am writing it here just in case. In the claim 's history, it said, I can not pay, '' but it didn't say anything in detail or give me anything regarding it.I also filed a police report. 

Police Report # : 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 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 monetary relief
Consumer complaint received 2023-09-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Re : Case XXXX To Whom It May Concern : This letter is in response to the above referenced case. I would like to reopen the case and continue the dispute. The merchants name is XXXX XXXX XXXX XXXX XXXX The date of the transaction was XX/XX/2023. The amount of the dispute is {$470.00}. 

My response is that the hotel charged this VISA card without my authorization. The hotel reservation was made with a XXXX, thus any issues with the reservation should have been charged to that card. I did not authorize access to this VISA card. 

On the attached reservation, it clearly denotes XXXX. I called the hotel to discuss the issue on XX/XX/2023 at XXXX where I also disputed the charge with them. I also called Capital One to discuss, but it hadnt cleared. On XX/XX/2023, I proceeded to dispute AGAIN with Capital One and the representative informed me that the merchant indicated that Id authorized the use of the VISA and I did NOT. The card was charged on XX/XX/2023 and I had no contact with the merchant until XX/XX/2023 ; which would indicate that I did not give prior authorization. 

The attached documentation clearly indicates that this reservation was made with a XXXX, and it also includes the hotels cancellation policy. It is included on this correspondence, per your request. 

The merchant had NO right to assign any fees, charges, or other for THIS RESERVATION to this VISA card. 

I look forward to your favorable response. 





Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 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: NY

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. 

Account Name : XXXX XXXX XXXX  Account XXXX has violated my rights. Or a list of inquiries : 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 explanation