vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NEW YORK COMMUNITY BANCORP INC
State: NJ

Complaint narrative:
On XX/XX/2024 I went to Garden state community bank located at XXXX XXXX XXXX in XXXX NJ to open a checking account. The Bank advertises an account called my free community checking that can be opened with as little as {$1.00}. I attempted to open this account but I was denied the right to open the account. The reason seemed to be because I insisted on the bank ordering a debit card for the account but the bank manager stated I would need more money in the account in order for the bank to order a debit card. I stated I was going to move my direct deposit from my employer into the account but the bank manager still refused and the bank manager stated that the bank wouldn't allow me to open the checking account. I believe I was discriminated against by this bank. I have contacted the corporate office of the bank and I am filing a complaint against the branch.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-28 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: NEW YORK COMMUNITY BANCORP INC
State: NV

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) It also states a consumer reporting agency can not furnish an account my written instructions under 15 USCS 1666b a Predator may not treat a payment on a credit card account under an open and Consumer Credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally dispute certain inaccurate information on my TransUnion credit report, as per the guidelines outlined in the Fair Credit Reporting Act ( FCRA ). On XX/XX/XXXX, I initially contacted TransUnion regarding the discrepancies, and to date, there has been no response from them. The following details the inaccuracies and the necessary corrections : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$770.00} Please remove this account from my credit report as it does not belong to me. 

XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX High Credit : {$500.00} Please remove this account from my credit report as it does not belong to me. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5900.00} The reported balance is inaccurate. I dispute the amount and intend to contact the creditor directly to address the issue. Please mark this account as disputed until a resolution is reached. 

XXXX Account Number : XXXX  Date Opened : XX/XX/XXXX High Credit : {$260.00} Original Creditor : XXXX XXXX XXXX XXXX Please remove this account from my credit report as it does not belong to me. 

XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$75.00} Original Creditor : XXXX XXXX XXXX XXXX Please remove this account from my credit report as it does not belong to me. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$490.00} Please mark this account as disputed. I am unsure about the reported balance and dispute the past due status as the account is closed and XXXX. Additionally, I request verification of the Date Opened, Date of Status, and First Reported. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} Please mark this account as disputed. The reported balance appears higher than my records, and the past due amount is not applicable as the account is closed. I intend to address this directly with the creditor.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-28 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: GA

Complaint narrative:
I recently review a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: IL

Complaint narrative:
Federal loans discharged under XXXX XXXX  XXXX. Received partial refund in XX/XX/XXXX. Have not received remaining balance that is due today XX/XX/XXXX per settlement details. Called Ed financial and they can no longer see my account history or provide details on remaining refunds. Contacting ombudsman group has similar results. Filed multiple complaints with FSA and same outcome. I am missing a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am not liable for this debt with XXXX XXXX XXXX XXXX, I do not have a contract with XXXX XXXX XXXX they did not provide me with the original contract as i requested

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I have a Bank of America credit card with a balance on it. All payments are up to date and I pay above the minimum. About half of the balance is under a 0 % interest promotion the bank provided. The other half has a 24.2 % ( usurious if you ask me ) rate. I pay above the minimum and notice all that money goes to the 0 % balance and none to the 24 % balance so every month, my interest payment rises even though I have made above-minimum payments and charged nothing more to the card -- my overall balances are lower. 

Is this legal? Do the banks decide where they want to apply the money sent to them so they can maximize the interest charged to me? It certainly seems unfair.

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 2024-01-28 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: GA

Complaint narrative:
Experian This is my SECOND time contacting you about these fraudulent inquiries showing up on my credit report. I previously sent you a request to investigate these inquiries and to remove them from the credit report. 

I have already contacted every creditor directly and they have no proof of the permissible purpose of the inquiries. 

Once again, let me be clear that I have already contacted every company listed and most do even not have a record of me at all. I'm being very cordial and requesting that you abide by the Fair Credit Reporting Act and remove these fraudulent inquiries immediately. 

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 2024-01-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Sezzle Inc.
State: NC

Complaint narrative:
I purchased merchandise from a company named XXXX on XX/XX/XXXX and took a line of credit with Sezzle inc . I have contacted XXXX starting XX/XX/XXXX numerous times by email requesting to return the merchandise because what was sent to me was not what I requested in length, depth or quality. I received an automated response from XXXX stating I would receive a response within 48 hours. I have not received a response from XXXX as of today XX/XX/XXXX. I contacted to company Sezzle inc. who is the company that has financed the merchandise by paying every 2 weeks and filed numerous complaints and contacted their customer service at XXXX on XX/XX/XXXX to which I was told I needed to file yet another complaint online thru their website which I did. I called Sezzle inc. and verified the complaint was filed this time. Response from Sezzle inc. was automated that I should review the return policy. XXXX has changed their email addresses since I started this process in early XX/XX/XXXX. I have now forwarded my original email to the new address. I have not received any type of response from XXXX or Sezzle inc . I am still here being charged for merchandise I do not want when I have tried resolving this matter with both companies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
I opened a credit card with security deposit that can be refunded after XXXX XXXX of usage. After been told that my security deposit can be refunded and will be sent out via a check, its been over XXXX XXXX and I never received it. I have called in multiple times and it is never resolved.

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 2024-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : 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 15 U.S.C, 1681section 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 an 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 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 2024-01-28 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: FL

Complaint narrative:
I am not liable for this debt with XXXX XXXX XXXX XXXX, I do not have a contract with XXXX XXXX XXXX they did not provide me with the original contract as i requested

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
On XX/XX/XXXX I requested XXXX ( XXXX ID XXXX ) of Truist to close my account and stop any relationship with your bank. However I received email from Truist on XX/XX/XXXX to inform my digital statement is now available. When I check statement online I saw Ready Now Line XXXX is still open under my name of balance {$1000.00} with last Late Fee {$10.00} charged on XX/XX/XXXX. 
I first learned the existing of Ready Now Line XXXX when I called Truist after I was notified by Truist on XX/XX/XXXX that Overdraft fees have posted to your account. I told Truist that I did not open any line of credit account, such as Ready Now Line XXXX. 
On XX/XX/XXXX XXXX mentioned that this line of credit was opened in XXXX of XXXX. I told XXXX " no, that is not true. I did not open line of credit with Truist ''.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-28 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: FL

Complaint narrative:
I hope this letter finds you well. On XX/XX/XXXX, I contacted Experian regarding discrepancies in my credit report, and to date, they have not responded. The following outlines the inaccurate information and corrections required : XXXX Account Account XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$770.00} Request : Please remove this account from my credit report as it is not mine. 

XXXX Account Account XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$500.00} Request : Please remove this account from my credit report as it is not mine. 

XXXX XXXX Account Date Opened : XX/XX/XXXX Balance : {$5900.00} Request : The reported balance is inflated and inaccurate. The past due amount is not applicable as the account was closed and XXXX. Please mark this account as disputed until resolved with the creditor. 

XXXX Account XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$260.00} Original Creditor : XXXX XXXX XXXX XXXX Request : Please remove this account from my credit report as it is not mine. 

XXXX Account XXXX Account XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$75.00} Original Creditor : XXXX XXXX XXXX XXXX Request : Please remove this account from my credit report as it is not mine. 

XXXX XXXX Account XXXX Date Opened : XX/XX/XXXX Balance : {$490.00} Request : Verify the account as the reported information is incorrect. Mark this account as disputed until the dispute with the creditor is resolved. Also, verify Date Opened, Date of Status, and XXXX  Reported. 

XXXX XXXX Account XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} Request : Verify the account due to the reported inaccuracies. Mark this account as disputed until the dispute with the creditor is resolved. Also, verify Date Opened, Date of Status, and XXXX  Reported.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: WELLS FARGO & COMPANY
State: DE

Complaint narrative:
Multiple attempts to receive affordable modification from Wells Fargo. Multiple responses from Wells Fargo to pay mortgage payment with a {$20.00} reduction, the payment requested was more than my salary and work commute fees. Housing speciallists, state agencies, and attorneys requested Wells Fargo review documents, and all responses were generalized without accurate reviews. Multiple requests to cfpb to look into this without success. Just received {$200.00} XXXX XXXX  check and letter from Wells Fargo that review was inaccurate and an apology for any impact to me. I was forced to sell my home for a reduced price, impacted my family and my credit, embarrassment throughout the community, and I am still trying to recover from the damage Wells Fargo caused by ignoring proper review procedures even though it was outlined by XXXX  and state agencies that they were in error. I submitted another complaint and cfpb review and received a cookie cutter response from Wells Fargo now saying no error, but I have a letter from them admitting errors. CFPB closed the complaint once again without review. How can Wells Fargo be allowed to conduct business when they are impacting people in this way with their unethical business practices? When does CFPB take these requests seriously? I thought a letter from them admitting errors would show CFPB that they need to investigate, so how is the complaint closed?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: PA

Complaint narrative:
On XX/XX/2023, I was in a public place when my belongings were swiped, phone & purse. I was told to tell him my pin aggressively. I left after in fear of my life. I was given my belongings back the next day by a relative who said they found it in a nearby park. 
In that time, this stranger accessed my cashapp, & sent {$300.00} to themselves. I requested a refund from the merchant, they of course refused. I filled a dispute with cashapp & have been denied. 

I requested documentation of a reason why my claim/dispute was denied. CASHAPP only reiterated that I was denied but without specific reason. They said they could not provide additional support on this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-28 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: Thaxton Investment Corporation
State: SC

Complaint narrative:
This company has failed in the obligation of permissible purpose 15 U.S.C. 1681b.

They have furnished my account without the written insturctions of whom the consumer relates.

I did not give them permissible purpose to furnish my account nonpublic personal information they have invaded my privacy and had no regard for the privacy rule 15 U.S.C. 6801

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-28 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: NC

Complaint narrative:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges 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 non-monetary relief
Consumer complaint received 2024-01-28 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: NC

Complaint narrative:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : 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  15 U.S.C, 1681section 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 an 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 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