vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: NJ

Complaint narrative:
i was unable to finish course and had a XXXX XXXX school denied me the right to come back and finish course, therefore was left with the student loan they were going to investigate meanwhile they told me they would freez the account beacuse i had no income. now i see its on my credit report inaccurate and its affecting my livelihood. i would appriciate help with this matter has soon as possible. have this remove thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I submitted documentation from XXXX that I submitted to be included with my original dispute and was told it would take another 30 days for another investigation that XXXX would have to contact the court even though I have proof of the removal of my dispute. I received no confirmation number.

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 2021-08-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citi Bank closed my account without valid reason. They should have protected me and my money. I should be able to trust my bank that i have a relationship with for over 15 years. Also, i am a Citi Gold member. They should have notified me and give me a chance to resolve the issue. Instead i found out my bank account was closed when my card got denied at a resturant, which was very humiliating. I've done nothing wrong and do not deserve to be treated this way. I proactively went into the branch to talk to the Citi Bank manager, XXXX, to provide proof that all my transactions and all my banking activity is legitimate and there should be no issues. Instead i was turned away. I've called customer service dozens of times, and each time i am left on hold and then am told they will not help me and the call is discontiuned. I feel helpless and tramatized by this experience. I have anixety and stress about my financial well-being. I am worried because i can not see my statements online and my credit card charges. I have no access to my remaining balance in my account. I am asking for someone to please help me fix this problem. Citi Bank has wrongfully closed, frozen and blocked my account. I can not withdraw, i can not deposit and i dont know whats going on.

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 2021-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Equifax is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I entered into this consumer transaction using my open end credit plan ( SSN ). I have requested on several occasions for Capital One to validate this account, that was never done according to FCRA. Reporting this unverified inaccurate account has harmed my ability to extend my credit to other financial institutions. This company sold my personal information to a 3rd party, that's was against my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I went to the website XXXX XXXX XXXX to lock my transunion credit report. The site directed me through multiple links, none of which advised of a fee, to follow to lock my credit report. After inputting my personal information, the site would not proceed with the lock without my credit card number, which I provided. No fee was advertised so I thought it was part of the identity verification process. I was immediately charged a fee of {$29.00}. I called their customer service number and was told that this fee was for receiving the three credit reports, which I did not ask for and was not advised of a fee since I know we can get those online for free each year. Transunion refuses to refund the fee even though it was obtained through false and misleading advertising.

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 2021-08-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am the victim of a sophisticated fraud perpetrated by my ex wife XXXX XXXX against me over the life of our marriage. I have consulted with local authorities and with legal counsel, and I have been advised that my rights under the consumer protection statutes at both federal and state level are applicable here. However, after notifying Bank of America of the fraud discovered, they allegedly conducted an investigation and decided to ignore my rights under the law that protect victims of Identity Theft. I understand that the circumstances are not your cookie cutter, cut and dry identity theft - however if you look at the totality of the situation- I never benefitted, authorized, or was aware of any of these accounts opened, maintained, and used in my name. My signature was forged, in every single instance that the cards were used. Payments were made from an account not under my name. The forgery and deceit is of the highest level, and I have stated numerous times that I am willing to cooperate with and assist with any prosecution for forgery, fraud, and ID theft charges that should be levied on XXXX. 

Pursuant to the guidance issued by the CFPB and The Federal Trade Commission, I have included my law enforcement report and my notarized Fraud Affidavit in this complaint. This ID theft report has been provided to all my creditors, however Bank of America is choosing to ignore the facts and reach a conclusion against me, the victim of a sophisticated Fraud.

Bank of America has been provided with a legal notice summarized here : " Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). '' They have failed to abide by those requirements and more, and therefore leave me no choice but to pursue assistance from the CFPB in order to resolve this fraudulent debt against me.

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 2021-08-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
On XX/XX/2021, {$8700.00} was withdrawn fraudulently from my account by someone in Texas. I live on the XXXX XXXX. On XX/XX/2021, {$8000.00} was withdrawn fraudulently from my account. On XX/XX/2021, {$5000.00} was withdrawn fraudulently from my account. 2 of the transactions occurred at the same branch and then another branch. The bank did not catch this. I alerted the bank on XX/XX/2021, of the fraudulent transactions. I have spoken to the bank in person and on the phone multiple times since then and spent countless hours trying to rectify this. The bank has given me multiple answers as to how this happened and when it will be resolved. As of now, my {$21000.00} is still frozen and I dont have an idea of when this will be resolved. The bank would also not tell me how this could have happened, they always say it is being investigated. I have had to place freezes on my credit reports to ensure no further fraudulent activity occurs. I feel like I being taken advantage of due to elderly age and lack of familiarity with fraud processes.

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 2021-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on XXXX  and XXXX  1. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX  Date of inquiry : XX/XX/2019 This is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-12 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: KEYCORP
State: NY

Complaint narrative:
( This is a summary only. ) I have a nys government benefit card account with KeyBank. The issue is that logging in always fails which requires that I call the KeyBank Support Center. The center simply " resets '' my account - which automatically signs me into the system. However, any successive attempt to sign into the KeyBank system, after the rest, just fails. And once again, I have to call the KeyBank Support Center to reset my account. This process repeats itself ad nauseam : a ) upon account reset you're signed in automatically, you do your stuff, and then log out, b ) successive sign in attempts fail, c ) call KeyBank Support Center to reset the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF THE WEST
State: FL

Complaint narrative:
These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on XXXX  and XXXX  1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft BK WEST Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine. 

4. Identity Theft BK WEST Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Date of inquiry : XX/XX/2019 This is not mine.

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 2021-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Several requests have been submitted to Equifax and XXXX - XXXX to remove this authorized user account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
i was unable to finish course and had a XXXX XXXX school denied me the right to come back and finish course, therefore was left with the student loan they were going to investigate meanwhile they told me they would freez the account beacuse i had no income. now i see its on my credit report inaccurate and its affecting my livelihood. i would appriciate help with this matter has soon as possible. have this remove thanks

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 2021-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
i was unable to finish course and had a XXXX XXXX school denied me the right to come back and finish course, therefore was left with the student loan they were going to investigate meanwhile they told me they would freez the account beacuse i had no income. now i see its on my credit report inaccurate and its affecting my livelihood. i would appriciate help with this matter has soon as possible. have this remove thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have attached two accounts that all are reporting inaccuracies to all three of my credit bureaus. As per the FCRA anything thing reported in my name to all three of the credit bureaus should be reported 100 % accurate. I would like to have these accounts deleted due to not following the FCRA and reporting 100 % accuracy to all three of 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 explanation
Consumer complaint received 2021-08-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: FL

Complaint narrative:
I was notified on my credit app that a credit card went in collections. I was XXXX with the XXXX to XXXX during the time the card was taken out. Ive sent my orders along with the police report during my dispute. The company has yet to resolve my issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Several requests have been submitted to XXXX and CITI - XXXX to remove this authorized user account from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: AL

Complaint narrative:
Cash app account closed my account due to violation of their terms of service I asked for explanation as I do not feel I have done any wrong and this was done in error but I keep getting the same run-a-round all Im asking for is an explanation.What transaction/term of service/

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
On XX/XX/XXXX, a XXXX XXXX XXXX XXXX valued at about {$16000.00} with XXXX miles was loan from XXXX XXXX and financed by The Hunington National Bank. The vehicle was marketed through deception by the sales associates at the XXXX XXXX XXXX. I test drove the vehicle for less than three minutes and was convinced by the sales associate that the vehicle was in a very good condition. I left the dealership with the vehicle at about XXXX XXXX on Wednesday XX/XX/XXXX and noticed that the transmission was bad. In less than an hour on the highway, I experienced trouble with the transmission. I immediately notified the dealer and the bank of the vehicle 's transmission problem. 

On the following, Thursday XX/XX/XXXX, the vehicle became undriveable and was towed in to the dealer for transmission problem. The dealer did confirm that the vehicle has transmission issue. At this point, I asked the bank to let me out of the bad deal because I sold the vehicle was sold under deception. The bank refused to let me off the auto loan claiming that I had already signed the agreement. I drove the vehicle for less than 24 hours when the transmission went bad. The vehicle was repossessed by the bank and auctioned for less than its value. 

The bank failed to notify me about the vehicle sale. I was only notified by mail that I have a balance on the auto loan of about {$5000.00}, which is been reported to all three major credit bureaus. I have contacted the bank on several occasions to remove the balance on my credit report. This negative report on my credit has caused enormous financial hardship that I am unable to get another auto loan. I implore the timely intervention of this agency to resolve this issue by removing the negative report on my credit file with all three major credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Fidelity National Information Services, Inc. (FNIS)
State: NY

Complaint narrative:
I had applied for a Bank Account with XXXX XXXX XXXX XXXX. My application was then denied when I called to ask them why I was first told that my name came up on ChexSystems. I then ask what came up, and the customer service rep told me I would have to contact ChexSystems. I went to the ChexSystems website and was able to pull up my report from ChexSystems, and It had nothing on it. I then called XXXX XXXX XXXXXXXX XXXX and spoke to a rep named XXXX. I explained to her the situation and asked what was on the report they received because I don't see it on the report I pulled up online. She couldn't give me the information and stated that I would have to file another application If I believed a mistake was made. I then ask to speak to a supervisor, and that one would call me back. I later revived a call from XXXX XXXX XXXX, Second Vice President, Online & Mobile Banking Customer Service Supervisor , Online & Mobile Banking, XXXX XXXX XXXXXXXX XXXX XXXX XXXX She informed me over the phone that ChexSystems had reflagged my address stating it was non-residential and comes back to a homeless shelter. I informed her that the information is false, and she told me to contact ChexSystems. When I contacted ChexSystems they denied providing any other information than what I was able to download from the site.

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 2021-08-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: DISCOVER BANK
State: MA

Complaint narrative:
I have repeatedly called their CS line as well as even RETURNED promotional offers and them trying to get you to sign up for some other loans. I don't want them. I have even opted out with the credit bureaus so you should NOT be sending me anything offering anything extra. I have a card with you. That is it, if there is nothing that needs to be sent in regards to that card, do not send me this misleading GARBAGE anymore.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/2021 I applied for a car loan. I was approved for the loan, but with an interest rate of 9.4 %. They said the reason for the high interest rate was because the credit reporting agency that they went through, which was Equifax, showed my credit score was only XXXX. I have an account with Equifax and when I check my score it says it is XXXX. I did not purchase the car.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: ALLY FINANCIAL INC.
State: NV

Complaint narrative:
I tried to transfer a savings account with ALLY and transfer it to XXXX  XXXX XXXX. I would not transfer. Please assist me.

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