vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-09 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: Skrill USA, Inc.
State: MO

Complaint narrative:
My XXXX account was immensely restricted to no reason. They will not tell me why my account was restricted, or how to access my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 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: EQUIFAX, INC.
State: VA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that you will investigate this account for me to ensure accuracy Here are the accounts I am asking you to verify as accurate : ALXXXX XXXX XXXX  ACCOUNTS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-09 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that you will investigate this account for me to ensure accuracy Here are the accounts I am asking you to verify as accurate : ALL XXXX XXXX ACCOUNTS

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 2024-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America held my money for 30 days XX/XX/XXXX to XX/XX/XXXX it was a bank of America check I deposited into there ATM.

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 2024-11-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
I attempted XXXX times to get a Paid Off letter. The first being with a young woman who was freinedly and stated no problem as this letter is rerquested from XXXX XXXX to close on a new home. This being around XX/XX/year>. When This did not happen I called again to request it only to get a person pretending to be XXXX . I know it all and a XXXX at that! So, I asked for his Supervisor and I am positive I was sent to some kind of Team Lead or his buddy and not a Supervisor as he too was a XXXX  and an XXXX and both these guys refused to give me any kind of PAID Off Letter. The last so called supervisor stating I asked for a PAY-OFF letter on by previous call which is a blatant Lie as I already received this PAY OFF LETTER QUOTE. I paid Carrington Mortgage in full on XX/XX/year>. The Team Lead XXXX  stated the Woman missunderstood me for a Payoff Letter Quote, That is a lie! Then goes on to tell me it takes them 16 to 20 days to send a letter out after Funds are recieved. I said you don't have to send a letter you can email it to me today. Then he changes his wording to " They must have 16 to 20 days to process a request ''. So, I say Okay. 
Now remember, Carrington XXXX  just said they need 16-20 days before they can give it to me. It has been at least 16 days. They are just being XXXX  as my other complaints thru the CFPB explain. So, I call XXXX XXXX and they tell me okay we won " t play their games a use a Digital Three way Party company to settle this on the Phone. I got the nice lady that I got the first time once again. She stated she would need to transfer me to the Paid Off Section and she did. The woman who answered the phone XXXX  and complete sounded XXXX  all the way thru questioning. one question was when did you get your paid off Monies and she said XXXX. I was shocked as they continued to evade this when I asked this question when their was no third party on the Line.They could not hide their XXXX attitude this time. The Person calling from the Company used by XXXX XXXX was asking all the right questions and you can tell this was XXXX this woman off. He asked one last question and she was being a XXXX about that question. He excepted this as I wish he did not put up with this last answer from here on the 3-way call but I am sure his company recording Carrington Mortgage and that woman who refused to comply because they lost a Customer and because that customer has made Several previous complaints about them. I'm positive XXXX XXXX has the Companies name that maid the 3 party call and that company keeps a copy of that call since that Company pretty mush thats all they do. I also have the names of the persons I spoke with but must search as I have moved, as you can see by this Mortgage issue but I have those names Somewhere of the two XXXX XXXX from Carrington Mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 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: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
Request for Proof of 1099-C and Removal of Debt from Credit Report I hope this letter finds you well. I am writing to address a matter regarding the debt listed on my credit report, account number [ Account Number ], which was discharged and subject to a 1099-C issuance. I never received a 1099-C for the aforementioned debt, indicating that it was discharged. However, despite this, the debt is still being reported on my credit report. In accordance with the Fair Credit Reporting Act ( FCRA ), I kindly request that you provide proof of the 1099-C that was issued for this debt. I believe this documentation will support the removal of the debt from my credit report, as it accurately reflects its discharged status. Please provide this proof within 30 days of receiving this request. If you are unable to provide the requested documentation, l respectfully request that you promptly remove the debt from my credit report. Thank you for your attention to this matter. I look forward to your prompt response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 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: CITIBANK, N.A.
State: NY

Complaint narrative:
In XX/XX/year>, I purchased an item from XXXX for {$210.00}, which I later decided to return. XXXX return instructions indicated that I had until XX/XX/year>, to return the item, as shown in the provided documents. I shipped the item back via XXXX on XX/XX/year>, using tracking number XXXX, and XXXX records confirm that XXXX received the package on XX/XX/year>. Despite returning the item well within the allowed timeframe, XXXX informed Citi Bank that the package was not delivered, leading Citi Bank to deny my dispute and leaving me without a refund. Additionally, XXXX system shows the return as stuck in processing, further delaying my ability to resolve this matter. I have provided Citi Bank with clear evidence of delivery, including XXXX tracking details that confirm XXXX  receipt of the package on XX/XX/year>. However, Citi Bank closed the dispute based on XXXX claim, disregarding the documentation I provided. I am seeking assistance from the CFPB to have Citi Bank reopen this dispute, acknowledge the proof of delivery, and issue a refund of {$210.00} to my account, as I believe I am entitled to a full refund under XXXX  return policy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. To following entries on my credit report is the result of identity theft and should be blocked. 

I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent INQUIRIES I that are not associated with me. All agency both via fax and through Certified mail. 
In addition, I request the immediate removal or the following fraudulent INQUIRIES FROM MY CREDIT REPORT. 

XX/XX/XXXXXX/XX/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 2024-11-09 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: BARCLAYS BANK DELAWARE
State: MN

Complaint narrative:
Someone try to open up a credit card in my name using my personal information such as my social security number and my name on XX/XX/year> they for apply for a credit card through Barclays for XXXX XXXX XXXX XXXX which was a hard inquiry hit on my credit report this was fraudulent I never apply for a credit card through this company someway committed fraud against me without my knowledge

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 2024-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP
State: NY

Complaint narrative:
I made a deposit on XXXX into my account at Key Bank on XXXX in XXXX, XXXX. It was a cashiers check from XXXX XXXX  for {$57000.00} from the sale of a vehicle. On Friday evening, XXXX. I tried to use my debit card and it was declined. When I went to my account app it showed my account had negative available balance of approx. {$48000.00}. There was a hold on my account on XXXX for {$57000.00} and a second hold for the same amount on XXXX. I was told the first hold was for reasonable suspicion and the second hold was because the check " bounced back ''. She suggested I go to the branch where I made the deposit. She could not explain how they could hold the same deposit twice against my account. At the branch I was told the same thing and given a copy of the check so I could go to XXXX XXXX  to find out why it bounced back. When I went to XXXX they told me it was a fraudulent check. Upon going back to Key Bank and after several phone calls. No one has been able to help me. The hold will not be released until XX/XX/year>. There was XXXX no other communication from the bank to let me know this had happened until I used my card and it was declined. That is a week with no access to the money I had in This account before I made this deposit. I feel like a have been scammed twice. Once by the person who bought or technically stole my vehicle and second by my own bank who is keeping my money XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 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: TX

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on 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 2024-11-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: GOLDMAN SACHS BANK USA
State: NM

Complaint narrative:
After paying the Apple Card in full and closing my account on XX/XX/year> XXXX. Goldman Sachs Bank is attempting to charge me {$120.00} in interest in a fraudulent effort to secure funds when they are not owned to the company. This is a violation of the Fair Credit Reporting Act 15 U.S.C. 1681 and is also fraud in my home state ( XXXX XXXXXXXX XXXX ). When a Goldman Sachs Bank representive supervisor ( XXXX ) was asked about the interest he lied about the origin of the interest. I believe that this company is fraudulently charging customers interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
XXXX I received a letter about late payments on a CapitalOne account that I did not open. the account was maxed out with over {$10000.00} with fees that I had I no knowledge it existed. I made a police report on XXXX XXXX to the XXXX XXXX XXXX XXXX to XXXX, XXXX, XXXX, XXXX XXXXXXXX. Called CapitalOne to report fraud. I put credit freezes and fraud alerts on all three credit bureaus. I Made a complaint to of identity theft to the Federal Trade Commission and Arkansas Attorney General and multiple complaints to CapitalOne from from XXXX XXXX XXXX XXXX XXXX  My XXXX XXXX was damaged and CapitalOne is still sending past due statements and threatening collections. On XXXX XXXX I called CapitalOne at XXXXXXXX XXXX talked to supervisor, XXXX XXXX, case # XXXX, XXXX, on a recorded line she stated the email, phone number, and address did not match my personal information, and refused to give me the information who opened the account. she forced me to give my information to get a closing statement because it was sent to the fraudulent address. CapitalOne allowed this account to be opened without proper verification of the persons identity. this identity theft as a senior citizen needs to be corrected by CapitalOne. They have not removed it from my credit report. It is a CapitalOne XXXX card, opened XXXX XXXX was maxed out and pass due before I knew it existed. I have done my due diligence in making them aware multiple times that it is identity theft and fraud. they continue with negligence and omission instead of fixing this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 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:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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 2024-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
1. Incorrect information on credit file. 
2, XXXX XXXX keeps pulling money from my account, despite no payment plan 3, Accounts have been closed

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Credit Karma, LLC
State: WA

Complaint narrative:
I am filing a complaint regarding my banking experience with Credit Karma Money. Since XX/XX/year>, my funds have been withheld without explanation, which has prevented me from accessing essential resources for myself and my family. 

Despite verifying my identity and offering to provide further verification, Credit Karma Money has not disclosed why my funds are restricted. When I asked if this issue was fraud-related, I was told it was not. I was informed that the funds were withheld for security reasons, but no specific details were provided, and no timeline for resolution was offered. 

This lack of transparency and inaccessibility to my own money has caused significant financial hardship. I am unable to purchase food, gas, and other essential items for my family, which has put us in a distressing situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-09 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
When we moved to our new home in XX/XX/year>, we purchased some new furniture, including a mattress from XXXX XXXX. At the time of purchase, we took advantage of a 36-month, interest-free financing offer, which I promptly placed on automatic payment. The purpose of our automatic payment is to avoid late payments and constant statement tracking. In XXXX, I started receiving emails from the financer ( Synchrony ) that I was behind on my payments. When I called, I was surprised to learn that the company had begun charging me for paper statements ( {$1.00} per month ) and a late fee ( amounting to over {$100.00} in aggregate ) for each month where there was a remaining balance. I got those fees reversed, but in the following month, I got charged an additional $ XXXX for failing to pay the previous month 's minimum payment. Apparently, despite having fees reversed, they did nothing to reduce the payment due, instead opting to reduce the overall balance. As a result of the additional fees, Synchrony has effectively forcibly accelerated a payment such that the 36-month term is effectively 35-months. It seems unlikely that I am the only one that experienced this and, at scale, Synchrony potentially accelerated millions of dollars in payments by creating a situation where they would be due exorbitant fees. This feels like fraud and on a fixed income, it's wrong.

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 2024-11-09 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: OneMain Finance Corporation
State: IL

Complaint narrative:
I have several inquiries on my credit that were not done by me.This started over twenty years ago and is still a problem.I am constantly seeing stains on my report when my file is locked and im not understanding the purpose of having the extra security steps if they are not working.Ive contacted the FTC, credit bureaus other financial sources.At this point several consumers are not removing several credit attempts and I dont know what else to do.I made several identity theft reports both with FTC and The XXXX Police Department XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 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: WI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told the XXXX, Transunion, and XXXX to reinvestigate this account from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , However , they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 inf
ormation, 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