vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: ID

Complaint narrative:
On XX/XX/ at XXXX XXXX XXXX XXXX the consumer ) received a phone call from XXXX which said Wells Fargo XXXX his caller ID. The caller identified himself as a Wells Fargo XXXX XXXX XXXX by the name of XXXX XXXX. He told me that my account had been compromised in a large security breech at XXXX and that I'd lost access to my online account. He asked me about fraudulent activity on my account ; a purchase of {$1500.00} in FL, and asked if I authorized XXXX in the amount for {$10000.00}. My answer was NO, I did NOT authorize those transactions. XXXX told me I needed to regain access to my online banking. He sent me text to a link that was as follows : XXXX. Under extreme duress, I clicked on the link and a XXXX online banking page come up. I was instructed to log in. I then received text messages with codes and was told it was a part of the wire reversal process. I came to find that the fraudster was sending a XXXX of $ XXXX out of my small business account. When I realized this was fraud onXX/XX/XXXX at XXXX, I immediately called XXXX XXXX support at XXXX to report what had happened and for the next XXXX minutes was transferred from dept to dept until the call was concluded at XXXX. At the time I was being passed around, the XXXX the fraudster made was still PENDING and could have possibly been stopped. Eventually and lastly, I was transferred to XXXX XXXX Assistance XXXX regarding the fraud. On XX/XX/ I was told by a female XXXX XXXX XXXX XXXX, on a recorded line " to not worry, that the bank will make me whole again ''. Yesterday,XX/XX/XXXX, I received a letter from the claims department Claim # XXXX stating that XXXX will NOT be reimbursing me for the $ XXXX which was fraudulently taken from my account on XX/XX/2023. If WELLS FARGO would have reacted in a timely professional manner, instead of pushing me off from dept to dept for XXXX minutes, they could have stopped the fraudulent activity and recovered my $ XXXX. This is obviously negligence on behalf of Wells Fargo 's fraud department.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: IA

Complaint narrative:
I opened a savings account with Citibank in response to a marketing promotion promising a {$450.00} payment for maintaining {$50000.00} or more for 60-days. I opened the account and deposited {$70000.00} on XX/XX/2023. I maintained the {$70000.00}, but it was not until the XX/XX/2023 statement that the {$450.00} was paid ( 90-days after opening ). As other institutions now offer higher rates, I opted to close the account. While Citi readily accepts ACH deposits, when an account is closed they promise to send a check within 10 to 15 " business days '' ( i.e. it could be over 20-days )! While I could transfer funds to another Citi account or Citi partner account for free, I would have to pay {$50.00} in wire fees to send the funds to my bank ( Citi applies a maximum {$50000.00} wire limit, so two wires would be necessary ).

I believe it's both marketing fraud and a malicious business practice to offer an " easy open '', promise a bonus ( {$450.00} ), but then require 120 days to " actually '' get the benefits. Why not ACH the funds to my bank account from which the funds were origionally sent? Citi can easily do this, but wants to diminish my yield by not giving me my money back. I won't be doing business with Citi again and think they should be held accountable for their deceptive business practices.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
XX/XX/2023 @ XXXX at Bank XXXX XXXX XXXX hour ATM machine located at XXXX XXXX XXXX XXXX XXXX NY XXXX. I went to pay my credit card bill. I made a payment of {$210.00}, XXXX XXXX XXXX bills, XXXX XXXX XXXX bill and a XXXX XXXX bill. The ATM took my bank card gave it back, asked me was I making a payment I hit YES I put the money in and the machine kept the money and said, Error, that my transaction could not be completed or return my money back. The payment did not post nor did I get a receipt. Complaint # is XXXX. I have reported this incident several times. I still have not received my money it is under investigation and no one as of yet has reached out to me. Also I would like to become part of the XXXX XXXX XXXX XXXX XXXX Class Action. This is the second time I had an major issue with Bank Of America holding my money and not want to reissue it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Security Credit Services, LLC
State: GA

Complaint narrative:
I am not liable for this debt with the listed company, I do not have a contract with the collection agency reporting to my credit report. They did not provide me with the original contract that should have been provided. I demand this account be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 00:00:00
Product: Credit reporting, credit repair services, 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: TX

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 explanation
Consumer complaint received 2023-07-11 00:00:00
Product: Credit reporting, credit repair services, 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer report ( a ) in GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

Accounts to be deleted : Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
mr cooper is not looking at what im saying logically i said i never received notice in the form of phone call or email i tried to explain this to them butthey refuse to beleive me i state i never knew i was overdue due to problems on their way of XXXXommunicatimg m overdue thing to me which i stated was not done on their part never called XXXX XXXX me date they called and talked to me which i doubt they can do and copies of email that were read by me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Barclays Bank XXXX Jet Blue credit card. DON'T APPLY UNDER ANY CIRCUMSTANCES!! 
In XX/XX/2023, I applied for a JetBlue card while booking a flight. Despite numerous calls to Barclay and JetBlue and several hours on the phone, I have not received a statement or a card. Barclays says they sent a card to me which I never received. They said they sent a replacement card on XX/XX/. I have not received that card. I called Barclays again. They said they would send another card by XXXX. Today, their automated system indicated that the card had not been sent out. On the phone, they said it was sent out today. 
I desperately need a statement for a loan application. Barclays will not give me my account number which would allow me to access my account on line. Barclays will not send a statement, but they are expecting me to pay my bill. 
Barclays said they would have a high level manager call me. After several days without a call back, I called Barclays again. They said they would schedule another call from a high level manager. After waiting another day, I receive a phone call. It rang one time. Nobody on the line when I answered. I called back he number which didn't accept incoming calls.

I have spent over four hours on the phone just this week without any resolution. Barclays heavily uses the terms " unfortunately '', " sorry '', and " apologize '', but do not correct their issues.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I think Bank of America over charged me for over draft fees and closed my account without my consent. I also never received the promotions, rewards and promised credit card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 00:00:00
Product: Credit reporting, credit repair services, 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: PA

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

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-11 00:00:00
Product: Credit reporting, credit repair services, 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: PA

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

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
To Whom It May Concern : PLEASE CORRECT & UPDATE MY CREDIT REPORT TO CURRENT : XXXX XXXX XXXX XXXX  account : XXXX, UPDATE MY REPORT TO CURRENT! In accordance with the Fair Credit Reporting act XXXX. This is a very serious matter of going against the fcra. According to the law you have to update ( XXXX XXXX XXXX XXXX  ( TOTAL VISA CREDIT CARD ACCOUNT ) to current. The last time this account was reporting according to Equifax records was XX/XX/2023 in the month of XXXX. As I am writing this today, today 's date is XX/XX/2023. It has been over 3 month 's since this account XXXX XXXX XXXX XXXX  account : XXXX has been reported. You have violated my rights and have failed to update this account and report my account on time. According to the FCRA you are suppose to update my report every month when the credit card company reports, but you Equifax have failed to update my report to current. I have spoke with XXXX XXXX XXXX XXXX and they said they have been reporting since XXXX all the way to the month of XXXX, but when I check my credit report, the last report date is XXXX. Please correct this error. This is Defamation of Character and if you do not update my credit report with TXXXX XXXX XXXX XXXX account : XXXX I will sue you in court for Defamation of character. 

PLEASE UPDATE MY ACCOUNT BELOW : UPDATE MY REPORT TO CURRENT : XXXX XXXX XXXX XXXX account : XXXX, UPDATE MY REPORT TO CURRENT! 



Thank you for your time and help in this matter. Sincerely, XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Bank Of America ran a credit report without my authorization. 

I applied for a credit card on XX/XX/XXXX reference number XXXX and the bank sent me a letter saying they denied my request because they could not verify my identity. I have a hard inquiry with no reasonable reason for this to be rejected. I have been a customer since XXXX, with an excellent credit score. Later the same week they sent me an SSN form verification and asked for a tax return to be mailed to their address in Texas to verify my identity. 

On XX/XX/XXXX I submitted the docs back to the bank. On XX/XX/XXXX they got a copy of my credit report without my authorization and do another hard inquiry on my credit. TWO hard inquiries without my authorization. 

I have contacted the bank several times and is impossible to have an answer from them, they opened a case, and every time I have called someone says something different or they disconnect the call. 

This is Fraud, I did not authorize to run my credit report twice and is fraud they do not have my information when I have already a credit card with them for 7 years. They are affecting now my credit score which was 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 2023-07-11 00:00:00
Product: Credit reporting, credit repair services, 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: TX

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