vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ARVEST BANK GROUP, INC.
State: MO

Complaint narrative:
Had anemployment scam hit me. The " company '' I was working for were supposed to be attorneys and would service various industries but mainly CPA firm. When this company paid me initially, it was via a check which was returned to the maker. Nothing was given to me, just that it was gone. Since the scammer had my banking info ( set up direct deposit via their time card app ), they informed me that I would have a wire sent to me. The next day I had two transfers from inside the bank. The scammers told me to take {$3000.00} of the money to purchase XXXX  for a client and the rest was to pay my wages. After doing as instructed, the transfers were returned leaving me {$6000.00} in the negative. I immediately contacted my bank who closed the account and told me not to worry that they would handle this. Unfortunately, the new account they set up for me and had my direct deposits from my employer was closed by the bank as well. The bank then accused me of making the transfers and basically demanded that I pay all of it back when I was the XXXX scammed and already lost thousands.

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 2024-02-09 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
In XX/XX/XXXX I had {$140.00} balance on my XXXX XXXX account. The new bill was just added so I decided to pay the past due amount of {$70.00} only. I would be the other {$70.00} next week on payday. 

I was charged for two {$70.00} transactions. Thinking it was a double charge, I filed a dispute to get the duplicate charge. I was given a {$70.00} temporary credit during the investigation In XX/XX/XXXX my dispute was denied. Because I have automatic payments set up with XXXX XXXX, my manual payment triggered the automatic payment to go through as well. I accepted the decision and the {$70.00} provisional credit was removed from my account To this day- XXXX XXXX has not received the {$70.00} funds. I contacted Capital One and filed a rebuttal to the dispute. I provided emails from XXXX XXXX dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX where XXXX XXXX clearly states they have no received the {$70.00} chargeback payment. 

On XX/XX/XXXX Capital One denied my rebuttal stating that this is a valid charge. The merchant doesnt have the money. I don't have the money. I've contacted the dispute department multiple times and to this day Capital One refuses to do anything to resolve this issue

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC.
State: TN

Complaint narrative:
Ally bank only allows payment via their app, their webpage, or by phone. If you make a payment by phone, they charge an additional fee for the payment. 

I attempted to create an online account at their website to pay my first payment. The website did not recognize my password, and locked me out. I called customer service to unlock the account. They issued me a " temporary password '', but while I was on the phone with them, I used the temporary password, and it did not work. They informed me that their password portal is not working at this time and they are unable to give a timeframe when it will be working. 

They then told me the only method to pay my account was by phone, via a third party, and that I would be charged an additional fee to make my payment. They told me if I called them back after the payment was processed, they would credit this fee back to my account. 

How on earth is this legal? They offer limited options to pay the account, then when those options don't work, they force you to use a system that charges extra fees. If you don't want to do it their way, they will give you a negative report on your credit rating.

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 2024-02-09 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: NJ

Complaint narrative:
IN ACCORDANCE WITH FRCA THIS CREDITOR XXXX ACC XXXX HAVE VIOLATED MY RIGHTS UNDER 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604A SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS LASTLY UNDER 15 USC 1666B A CREDITOR MAY NOT TREAT A PAYMENT ON CREDIT CARD ACCOUNT ON AN OPEN-ENDED CONSUMER CREDIT PLAN AS LATE.

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 2024-02-09 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: CITIBANK, N.A.
State: PA

Complaint narrative:
Back on XX/XX/23 my credit card was used for about a week multiple times for unknown user and unauthorized. Took the credit cards company about a week to realize that the use on my card was suspicious. After two months of investigation they came up with I was responsible for those transactions because my card was used at the time of the transaction. My card maybe cloned because I didnt do does transactions. I requested to speak with a supervisor an its been a month and I still waiting, I filed a police report and the credit card company its getting back to me with that information. I have been trying to get in touch with the person investigating unsuccessfully despite my multiple tries.

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 2024-02-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I requested for paper works do they didnt give it to 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 2024-02-09 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: DISCOVER BANK
State: LA

Complaint narrative:
DISCOVER BANK fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent. 
I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley Act ( 15 USC 6802 ). DISCOVER BANK is depriving my rights under the color of law ( 18 USC 242 ). And is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to XXXX by way of identity theft, and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 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: OH

Complaint narrative:
I reviewed my credit reports and it shows inaccurate and unverified items that violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-09 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: NJ

Complaint narrative:
I am requesting that it will be removed from my credit report as soon as possible.

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 2024-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BREMER BANK, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
The problem is Bremer Bank blocked my access to online banking for nearly a year because I use a VPN as personal XXXX XXXX. Every time I tried to log into online banking the website would tell me I had entered the wrong password, a lie. This would require I call the bank have them unlock my account, which was automatically locked when their trackers couldn't see my IP address, to get a temporary password and get the balance for the account in order to reset the password and access online banking. Once in the website times out and I have to go through the whole routine again. here 's the main issue, Bremer bank refused to admit they were causing the issue because they were blocking me from logging in. They never once mentioned it was because they block customers using VPN from accessing online banking
and insisted XXXX  times the problem was I had entered the wrong password although I told them I had cut and pasted the password from the last time I was forced to reset it, they'd just parrot I had entered the wrong password. 

In addition they absolutely refused to contact their IT people about it. I assume that was because they knew exactly what was happening and were refusing to tell me. Eventually they decided to close my account because I was a problem customer. They caused nearly a year of grief and much more when they closed the account rather than admit they were penalizing me for having personal security, destroying my only means of banking. 

Bremer Bank is guilty of withholding critical information from a customer, deliberately lying and trying to blame the customer for a situation they created, Also repeatedly insulting me by insisting the problem was caused because I was too XXXX  to be capable of typing a correct password a hundred times. This is the worst customer experience I have ever had dealing with any business in my XXXX XXXX. I finally discovered what was really happening doing online research after they closed my account and threw my finances into chaos I have yet to recover from. Had they simply told me the truth I could have turned the VPN off when accessing online banking, but they lied deliberately making things difficult for many months for a XXXXXXXX XXXX, long-time customer. 
My account number was XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My Experian, XXXX and XXXX reports show ( 2 ) address that are incorrect : 1. XXXX XXXX XXXX, XXXX XXXX, XXXX, GA XXXX 2. XXXX XXXX XXXX, XXXX XXXX, GA XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

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 2024-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2024-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
XXXX XXXX XXXX Lease expired XX/XX/XXXX. I returned the lease and purchased a new vehicle on time. The dealership failed to report the lease was turned in and payoff the lease. XXXX XXXX reported the vehicle as a charge off and in collection of {$25000.00}. I've tried for several months to get the dealership and XXXX XXXX to fix the issue. This has been going on since XX/XX/XXXX. I've disputed the amount with all three credit bureaus and XXXX XXXX keeps reporting it as accurate. I have documentation supporting my claim. The dealership has stated they were working on the problem and then in XXXX, the person was gone and the information was not passed on, even though I kept calling and leaving messages. I went to the XXXX XXXX dealership and spoke with a sales manager who stated they would take care of it in XXXX. I was unable to see any information when logging into XXXX XXXX 's portal, however that has been updated to show the account is closed, just now in XX/XX/XXXX. My credit report still shows in collections/charge off of {$25000.00}. I never missed a payment and it wasn't a charge off. The dealership acknowledged it was their mistake but no one will fix the issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
XXXX XXXX XXXX Lease expired XX/XX/XXXX. I returned the lease and purchased a new vehicle on time. The dealership failed to report the lease was turned in and payoff the lease. XXXX XXXX reported the vehicle as a charge off and in collection of {$25000.00}. I've tried for several months to get the dealership and XXXX XXXX to fix the issue. This has been going on since XX/XX/XXXX. I've disputed the amount with all three credit bureaus and XXXX XXXX keeps reporting it as accurate. I have documentation supporting my claim. The dealership has stated they were working on the problem and then in XXXX, the person was gone and the information was not passed on, even though I kept calling and leaving messages. I went to the XXXX XXXX dealership and spoke with a sales manager who stated they would take care of it in XXXX. I was unable to see any information when logging into XXXX XXXX 's portal, however that has been updated to show the account is closed, just now in XX/XX/XXXX. My credit report still shows in collections/charge off of {$25000.00}. I never missed a payment and it wasn't a charge off. The dealership acknowledged it was their mistake but no one will fix the issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 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: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
I filed a dispute through XXXX regarding one of the accounts on my credit report. Account is Transworld Systems Inc. and XXXX had completed the investigation and sent me a letter which I have on me that it was complete and deleted from my account. Well I spoke with XXXX today with XXXX and she had to file another dispute as the lender requested it be back on my credit report. I shouldn't have to keep doing this. The investigation was already complete and inaccurate and deleted from my account.

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 2024-02-09 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: IL

Complaint narrative:
I did not initiate these accounts, and I believe they are fraudulent. I request that you investigate and remove them from my credit report. I have provided supporting documents to substantiate my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 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: TN

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/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 non-monetary relief
Consumer complaint received 2024-02-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Bureau of the Hudson Valley, Inc.
State: FL

Complaint narrative:
They violated a reporting law and I asked them to remove the collection off my credit report. They have not responded concerning this portion of the letter. They have unlawfully reported this debt to the credit bureaus. Their offenses have amount to aggravated identity theft pursuant to 18 U.S.C 1028A. I have not given them permission to access my credit profile and they have knowingly transferred, possessed or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment. They have not responded to me addressing this issue and this is my complaint.

Company response to consumer: Closed with explanation