vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: KEYCORP
State: NY

Complaint narrative:
there was fraud on my account and they gave me a provisional credit, I did not authorize this amount, they said I did and took the money back out of the account causing my account to be in the negative and refuse to look into this and reopen the case with the evidence I have. I have filed a small claims suit against keybank

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: U.S. BANCORP
State: CA

Complaint narrative:
I recently opened a savings account and shortly thereafter attempted to go online and open a checking account with US Bank. I received a written notice that they were unable to establish a new checking account on line and that it was declined, so therefore I went into one of the branches and the lady there at the desk opened a checking account for me. 

A few weeks later I soon learned that US Bank had completed a hard inquiry on my credit report. 

I NEVER GAVE THEM AUTHORIZATION TO DO A CREDIT CHECK, NOR WAS I INFORMED THAT THEY WOULD BE DOING A CREDIT CHECK. 

IF I HAD BEEN INFORMED OF THIS I WOULD HAVE NEVER OPENED EITHER ACCOUNT. 

NO ONE HAD THE RIGHT TO PULL A CREDIT REPORT WITH OUT YOUR KNOWDLEGE OR YOUR CONSENT. 

I GAVE NO CONSENT AND HAD NO KNOWLEDGLE OF THIS

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 2024-01-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This account and inquiry are being demanded that you remove. I will be taking legal action on behalf of my information being used and XXXX XXXX not only XXXX. Forcing me to pay a debt I have no knowledge of, but 2. Harassing me and my family with emails, and mail about an account I did not authorize. XXXX XXXX has brought not only financial stress but emotional and physical stress onto my life. XXXX  XXXX, on XX/XX/2021, authorized a fraudster to use my name and obtain credit. This account was opened using my personal information. I have not personally signed any documents authorizing that XXXX XXXX even views my credit report. I HAVE FILED A POLICE REPORT on all the documents that were taken and have been used to obtain credit cards, accounts, phones, and much more using my name. When I lost my wallet, inside was my California ID, my social security card, medical cards, and other important information that was used to obtain this credit card. I have absolutely no knowledge of the account, how am I being held responsible of paying a debt I did not incur or even had any knowledge that this debt was incurred until I performed a credit check. Upon investigation XXXX XXXX is stating that they have investigated and determined that a phone number had been used to accept an access code for XXXX XXXX. This is not true. I have never received a call from XXXX XXXX personally about a verification code. My phone number was spoofed to make calls. They were able to make it appear as if calls or texts were coming from my phone number, I had no idea this was even occurring. The fraudster was able to use my phone number to defraud and illegally obtain a credit card amounting to {$3600.00}, using all my information and a spoofing service. I am demanding that XXXX XXXX further investigates this account. Remove the account. Update credit bureaus. Send me an updated credit report. Remove me from your database.

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 2024-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
On the XXXXXXXX XXXX XXXXXXXX I received funds from my mother. When I tried to use these funds I was denied. I tried to transfer them to my business acount and I was denied that option as well. I receive a notification stating my acount was frozen so I contacted venmo and they stated that it was frozen and needed my ID to prove I was me so I complied and sent in a front and back picture of my ID and waited. XXXX hrs passed and still no response, so XXXX messages the general chat platform again and they stayed that my acount was still in review and it would take XXXX business days to get a response. I asked why was it in review and why was my acount still frozen and thy stated they were unsure but from what they could see, the notes on my account stated my account portrayed activities that went agaist community standards. I asked what activities there were and should I been concerned for anything information being breeched on my accounts connected to this account with them. They stated my accounts connected to this one wouldn't be fine but they couldn't get anymore information for me due to security reasons and they were no allowed to access that information. So I waited a few more days, contacted again and they stated the same thing but said they would escalate the issue and I should here something soon. On XX/XX/XXXX I received a message from XXXX with venmo who stated " It appears that you have multiple Venmo accounts. Per the terms of our User Agreement, we only allow each user to have one personal account. I will be more than happy to assist you with your current account and the consolidation of your additional accounts. However, in order to begin that process, you will need to settle the outstanding debt on XXXX of your accounts ''. I responded that I have no clue how to access these acount and that my personal information had been leaked to the XXXX  XXXX  and I was in the process of filing a complaint with the state police as I was instructed to do through XXXX. I told XXXX that I had no knowledge of these accounts and I had once had another account that I had lost access to and was informed by them that it not longer existed so I created this one and my 2 business acounts, i asked why my acount was flag and how did they come to the conclusion to freeze my account and what facts did they have that they felt it fair to do so. XXXX then responds with " While I understand that you are saying the other accounts do not belong to you, we have found connections between the accounts in question. While I am unable to share our internal evidence with you, we have systems in place that monitor activity on Venmo, and internal data has indicated that the accounts do belong to you. Please note that we don't reveal information about our internal systems in order to keep these systems robust ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: IN

Complaint narrative:
I attempted to use the prepaid " Active '' {$100.00} filled gift card online at XXXX for a purchase and was declined. I attempted to purchase an XXXX gift card next, instead of a 3rd party and was also declined. I was given a gift card that cost {$100.00} real XXXX  currency, but am unable to spend it as legitimate currency.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
1. There is inaccurate reporting by Transunion the consumer report of the accounts XXXX XXXX XXXX XXXX account number ending XXXX and account number ending XXXX. It is against the law and violation of FCRA to report transaction history on a consumer report which Transunion is inaccurately reporting with the late payments listed on the accounts. These late payment shall be removed. 

2. The hard inquiries by XXXX  XXXX XXXX dated XX/XX/XXXX, and XXXX XXXX XXXX dated XX/XX/XXXX, are unauthorized and had no permissible purposes to access report. Both of these inquiries ' shall be removed from the report. 

3. There is inaccurate reporting by Transunion the consumer report of the accounts XXXX XXXX It is against the law and violation of FCRA to report transaction history on a consumer report which Transunion is inaccurately reporting with the late payments listed on the accounts. These late payment shall be removed. 

4. There is an charge off account reporting by Transunion named XXXX XXXX. A charge off is considered income and a certificate of indebtedness and income is not reported to a consumer report. This account must be removed 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 non-monetary relief
Consumer complaint received 2024-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
As a summary, the following reasons to amend my credit report are supported by the appropriate Consumer Financial Protection Bureau U.S. Code of Title 15 On going written complaints, disputes and calls trying to clean up credit report. Have asked several times for verification. From XXXX with no response 1. Information is too old to be on a credit report. 2. The account payment history is incorrect. 3. Creditor agreed to delete account from the credit report. 4. Several addresses do not belong to me. 5. Incorrect status The statutes supporting my disputes are : I. USC 1681 a 4. Right to privacy II. USC 1681 a 2 Exclusions paragraph iii III. USC 1681 b e. False information IV. USC 1681 b Did not use a manner which is fair and equitable to the consumer in reporting negative allegations without permission. V. USC 1681 b a2 Need written permission. VI. USC 1681i ( 5 ) Removal of inaccurate/invalidated credit information. Please remove immediately. VII. USC 552a ( i ) ( 3 ). Failure to maintain any records with accuracy, relevance, timeliness and completeness as is necessary to guarantee fairness. VIII. USC 16812s-a Medical bills IX. USC 1692c. Consumer notification X. USC 1681a Charge off. Rules of construction. Paragraph 2 section iii XI. USC 1666B9 ( a ). Late Payments

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
As a summary, the following reasons to amend my credit report are supported by the appropriate Consumer Financial Protection Bureau U.S. Code of Title 15 On going written complaints, disputes and calls trying to clean up credit report. Have asked several times for verification. From XXXX with no response 1. Information is too old to be on a credit report. 2. The account payment history is incorrect. 3. Creditor agreed to delete account from the credit report. 4. Several addresses do not belong to me. 5. Incorrect status The statutes supporting my disputes are : I. USC 1681 a 4. Right to privacy II. USC 1681 a 2 Exclusions paragraph iii III. USC 1681 b e. False information IV. USC 1681 b Did not use a manner which is fair and equitable to the consumer in reporting negative allegations without permission. V. USC 1681 b a2 Need written permission. VI. USC 1681i ( 5 ) Removal of inaccurate/invalidated credit information. Please remove immediately. VII. USC 552a ( i ) ( 3 ). Failure to maintain any records with accuracy, relevance, timeliness and completeness as is necessary to guarantee fairness. VIII. USC 16812s-a Medical bills IX. USC 1692c. Consumer notification X. USC 1681a Charge off. Rules of construction. Paragraph 2 section iii XI. USC 1666B9 ( a ). Late 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 2024-01-30 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I have received XXXX different egift cards from AMEX from work over the past year. The first XXXX worked and I was able to use it to buy things on XXXX. The XXXX others are not working on any site. Upon calling customer service they said to continue to try different vendors and that it will eventually work. Never worked and over XXXX dollars is sitting between XXXX cards rendered useless.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 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: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
I have had a savings account with Capital One for many years. The account was called Capital One 360 savings. About 4 years ago Capital One started offering a new account called 360 XXXX Savings account. I thought this was just a name change. But it wasnt. It was an account with a higher interest rate. If I wanted the better I would have to open a new account. I think that this was deceptive on Capital Ones part.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This account and inquiry are being demanded that you remove. I will be taking legal action on behalf of my information being used and XXXX XXXX not only XXXX. Forcing me to pay a debt I have no knowledge of, but XXXX. Harassing me and my family with emails, and mail about an account I did not authorize. XXXX XXXX has brought not only financial stress but emotional and physical stress onto my life. XXXX  XXXX, on XX/XX/2021, authorized a fraudster to use my name and obtain credit. This account was opened using my personal information. I have not personally signed any documents authorizing that XXXX XXXX even views my credit report. I HAVE FILED A POLICE REPORT on all the documents that were taken and have been used to obtain credit cards, accounts, phones, and much more using my name. When I lost my wallet, inside was my California ID, my social security card, medical cards, and other important information that was used to obtain this credit card. I have absolutely no knowledge of the account, how am I being held responsible of paying a debt I did not incur or even had any knowledge that this debt was incurred until I performed a credit check. Upon investigation XXXX XXXX is stating that they have investigated and determined that a phone number had been used to accept an access code for XXXX XXXX. This is not true. I have never received a call from XXXX XXXX personally about a verification code. My phone number was spoofed to make calls. They were able to make it appear as if calls or texts were coming from my phone number, I had no idea this was even occurring. The fraudster was able to use my phone number to defraud and illegally obtain a credit card amounting to {$3600.00}, using all my information and a spoofing service. I am demanding that XXXX XXXX further investigates this account. Remove the account. Update credit bureaus. Send me an updated credit report. Remove me from your database.

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 2024-01-30 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
While on a cruise in XXXX, I opened up a credit card with Commenity for Diamonds Intl. I was told I had 6 months to pay the balance. I got my card in late XXXX and starting doing my payments. I was planning on paying off the outstanding {$3900.00} in XXXX. I completely forgot and when I called today I learned I was charged {$1100.00} in interest! I told them if they could help me out with the interest charge, that I was paying in full today. The agent said no, I asked to speak to the manager and they said no as well. I find this completely abusive. this is over 20 % interest for 1 month, shouldnt this be annual rate? Can you please help me? This is not what I signed up for and was completely misled.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 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: GA

Complaint narrative:
So I requested to have my utliization stop being reported and requested to opt out and withdraw any and all authorization given to to report to a third party per law 16CFR313 the privacy of consumer financial information Rule under the Gramm-Leach-Bliley Act they refused and said I CAN NOT opt out and they will still report to the credit bureaus.

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 2024-01-30 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: EQUIFAX, INC.
State: FL

Complaint narrative:
These accounts are being reported negatively and I do not recognize them, I need them to be removed from my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Incorrect XXXX XXXX XXXX XXXX - Incorrect

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-30 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: TD BANK US HOLDING COMPANY
State: MI

Complaint narrative:
On or about XX/XX/year> I contacted the Target Credit Card Company about my account that suddenly showed a drop of XXXX points on my XXXX XXXX account and the account was suddenly reduced in available credit by over {$1200.00}. I immediately contacted the Target Company and told them that the account was setup ( AS ALL MY CREDIT CARDS ARE ) into a " auto payment so that I never miss a payment due. I was told that this was not the case and there was nothing they could do it was totally my fault and they never sent any notification of a payment due, late payment, missed payment via email, hard copy US Postal Nothing to indicate an issue. I had had a Target account for a number of years and was totally dismayed over their actions and the immediate damage to my credit. Now I find that this damage is the SOLE FACTOR in damaging my credit to the point I am unable to get a home equity loan when I need it the most. I've lost my father due to XXXX and at the same time had to repair my home due to water damage and subsequently black mold. Hence I have had to use many credit cards to their limits and now due to ONE COMPANIES credit card damage I can not get my loan and Target says they can not or will not do anything to remove and restore my credit rating. NEVER MISSED ANY PAYMENT ON ANY CREDIT CARD. You can see " E PAYMENTS '' on the account prior them showing missed payments XXXX XXXX. You can check my full credit report history and find NO MISSED/DELIQUENT payments on any other accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
I traded in the car to XXXX XXXX on XX/XX/2021. However, Santander, the lender reported that I was late paying in XXXX when I no longer had the vehicle and the dealership paid them off because I traded it in and got a new vehicle.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: AmeriHome Mortgage Company, LLC
State: UT

Complaint narrative:
I contacted Amerihome Mortgage upon finding my loan servicing had been transferred to XXXX XXXX. I spoke with XXXX customer service reps during a call on XXXX  XX/XX/XXXX without any resolution about my information being transferred to a company who had experienced a serious data breach of PPI information in XX/XX/XXXX. I was told it was too late that XXXX XXXX already had my information. I then contacted XXXX XXXX ( XXXX of Amerihome ) via XXXX messaging and stated that I did not believe they were performing their fiduciary responsibility by selling any loans to XXXX XXXX. I was then contacted by a VP of Customer Experience, XXXX XXXX who I spoke with on the phone. She told me the packaging was done in XXXX for some XXXX plus loans. Again, Amerihome by selling my loan and thousands of others to XXXX XXXX clearly failed to protect my PPI by sending it to XXXX XXXX. I am now in a position I did not create and forced to do business with a company who clearly failed in their XXXX  protection of PPI.

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