vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Subject : Reconsideration Request Regarding Credit Card Closure Dear Bank of America, I hope this letter finds you well. My name is XXXX XXXX, and I am writing to address a matter of concern regarding the recent closure of my credit card account with the account number XXXX XXXX XXXX XXXX. 

I am bringing to your attention that the Equal Credit Opportunity Act ( ECOA ) prohibits discrimination in the extension of credit. I believe that the closure of my credit card account and the denial of access to my credit may be perceived as discriminatory.

I kindly request that you reconsider your decision in this matter, taking into account the principles outlined in the ECOA. I value my relationship with Bank of America and believe that resolving this situation amicably would be in the best interest of both parties.

Please review my account information with the details provided below : Account Number : XXXX XXXX XXXX XXXX Social Security Number : XXXX I hope for a prompt and positive resolution to this matter. Your reconsideration would not only be a courtesy to me but also a demonstration of your commitment to fair and equitable credit practices.

Thank you for your attention to this issue, and I look forward to hearing from you soon. 

Sincerely, 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 2023-12-22 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: FL

Complaint narrative:
Hi my name is XXXX XXXX, and this is the only name that should be on my credit report not any other name. 

Also my only address that should be on file is XXXX XXXX XXXX XXXX fl XXXX. There should not be any other address on file.

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 2023-12-22 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: PA

Complaint narrative:
I'm writing to formally dispute multiple violations by Experian that have infringed upon my rights as outlined in federal laws Under the provisions of 15 usc 1681a ( d ) ( 2 ) ( iii ), Experian has disclosed my information without my consent. This action directly contravenes my rights to privacy as protected by the Privacy Act of 1974, specifically 16 cfr part 313, pertaining to the privacy of consumer data and opt-out notices deny me the opportunity to manage my data and protect my privacy as mandated by federal regulations. 

Moreover, I am contesting the presence of charge offs on my credit report, which charge offs are certificate of indebtedness which is income and must be removed. The inclusion of such items inaccurately reflects on my financial standing and has a detrimental impact on my creditworthiness. 

I am seeking appropriate compensation for the numerous violations committed by Experian, which have caused significant damages and infringed upon my legal rights. Pursuant 15 usc 1681n and 1681o, I request due consideration for the damages incurred due to Experian actions. 

I kindly ask for your assistance and intervention in rectifying these infringements and ensuring that Experian complies with the established federal regulations. Your prompt attention to this matter would be greatly appreciated Thank you for your time and attention to this important 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 2023-12-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Request your assistance due to redlining activities by Bank of America ( BOA ). XXXX XXXX XXXX XXXX lives in a largely XXXX community of XXXX California, has been trying to change her XXXX mortgage accounts to her estate since 2019. My mother recently passed away so I have been trying to do the same with BOA as her trustee with no avail. I have provided legal documentation that I am the trustee and the accounts have to be moved to the estate. I have received the same run around as my mother did and that BOA keeps losing the paperwork on numerous occasions. I believe BOA was hoping to take her properties away without notice and has been discriminatory in their actions.

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 2023-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
This is the fourth Complaint. 
Citibank refused to release a check ( My Salary- I work as a XXXX ) that I deposited into my new bank account this happened back in XXXX XXXX, its been over 4 months now. Got an email from Citibank XX/XX/XXXXXXXX  their response to my complaint through CFPB. Citi stated on the letter that they started the process to return the funds back to the XXXX bank and will take XXXX weeks to complete. Its been over 2 weeks now but still the XXXX didnt get the funds back. 
I contacted the XXXX and asked to call the Bank if the Receive the funds back but still no luck. Citi still hasnt return the funds which is {$1700.00}. XXXX which is the XXXX bank said to call Citibank and follow up with them but I was told before by Their XXXX representative names XXXX that they cant give me any information about the check anymore. So I will just use this flatform to raise this concern hoping that theyll do something about it. Citibank only took a day to deposit the check into my account and took them minutes to froze my account so I dont understand why are they taking forever to do their investigation and return the funds to the XXXX. They supposed to hold the check that I deposited if they have suspicions and return the money to the XXXX but they didnt and I am suffering because of this. They dont even care. 
I attached files.

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 2023-12-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XXXX/XXXX/2023, I received a call from a Wells Fargo that turned out to be an impersonator. During the call, the Wells Fargo impersonator obtained my log-in credentials and used those to 1 ) attempt a wire transfer and 2 ) take cash advances/make charges totaling {$7300.00} on two credit cards associated with my small business account. During the call I noticed strange comments, so I hung up, and called Wells Fargo to report the incident. Wells Fargo immediately stopped the wire transfer and issued a {$2500.00} credit to the small business credit cards ; however, I dispute the full amount of {$7300.00}. Wells Fargo denied my claim on XXXX/XXXX/2023, and since that time, I have repeatedly and consistently requested help through the XXXX Assistance XXXX for XXXX XXXX XXXX. My request is that the XXXX investigator re-open and review the full case, and the facts will clearly show that all charges on the cards since XX/XX/2023 are related to the same fraud incident. Unfortunately, since XXXX/XXXX/2023, Wells Fargo has been unwilling and unable to respond to my requests. Each time I call the XXXX Assistance XXXX and present my case number, I reach a new customer service representative who is unable to contact the XXXX investigator directly. I have attempted to submit supporting documents by fax ( XX/XX/2023 ) and email ( XX/XX/2023 ). As of this writing, Wells Fargo XXXX XXXX XXXX can not confirm whether the XXXX investigator has received or reviewed these documents. During my XX/XX/2023 phone call to the XXXX Assistance XXXX, the customer service representative advised that he would create escalations claim and submit on my behalf. Since that time, I have been assigned an escalations representative in Wells Fargo XXXX XXXX XXXX XXXX XXXX. I sent ( via certified mail ) a copy of my case to my assigned escalations representative. Proof of delivery shows the package was successfully received by Wells Fargo. As of this writing, the issue remains open and unresolved. I am submitting this complaint to CFPB because Wells Fargo 's failure to act timely is impairing my credit.

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 2023-12-22 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: OK

Complaint narrative:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, experian and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

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 2023-12-22 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:
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  XXXX Account Number:XXXX  has violated my rights. Or a 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-22 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:
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  XXXX Account Number:XXXX  has violated my rights. Or a 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 2023-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: AZ

Complaint narrative:
unauthorized withdraws from my account. 
XX/XX/XXXX {$200.00} XXXX {$200.00} XXXX XXXX {$200.00} XXXX XXXX {$200.00} XX/XX/XXXX {$300.00} pnc bank has denied the claim due to me having my debit card. I believe my card was cloned and this is how the money was stolen

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
My credit report is showing incorrect information that is causing me a lot of stress. The inaccuracies with my name, number, address, and employer are causing verification issues and affecting my ability to get credit. This is a violation and I demand these errors be corrected by you

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 2023-12-22 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/ an authorized charge was made to my account. 
Claim number : XXXX A fake name of XXXX XXXX was used. The last name clearly was attempting to imitate my XXXX last name. There is no one in my household, family, or friends with a name or XXXX. 

Another fake name of XXXX XXXX was used in an attempt to mimic my wifes name of XXXX XXXX. These are OBVIOUSLY not our names and perhaps were used to not raise red flags when the scammers were stealing our card info. Im not sure, my banks job is to investigate, NOT MINE! 

The fraudulent purchase appears to be 3 tickets to an even in TENNESSEE, I live in XXXX California and I have never been to Tennessee. No other purchases were made in Tennessee if you look at my account. 

The bank refused to accept my dispute because they reached out to the merchant and the merchant verified the purchase was authorized Im not sure how my bank can take on business and not conduct their OWN investigation. 

1 - wrong name 2 - wrong email address 3- yes the scammers used my home address and had the card info Im sure thats what scammers would need to be considered scammers 4- wrong phone number Just because someone had my card info does not mean I authorized this purchase or {$760.00}! I notified my bank right away and they issued me a new card. Now they are refusing to accept the dispute even though I have stated time and time again none of the information is valid and this is clearly a fraudulent charge

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 2023-12-23 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: NY

Complaint narrative:
I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: GOLDMAN SACHS BANK USA
State: OH

Complaint narrative:
Ive applied several times for an Apple Card after receiving MULTIPLE emails to preview my new credit limit. I remember applying by way of submitting application/ security/ promissory note back in XXXX when they first began advertising. I was denied due to my credit report. I began receiving back to back email advertisements the beginning of this year ( XXXX ). I have submitted applications /securities/promissory notes 2 additional times in XX/XX/XXXX after recording over 20+ emails to Preview my new credit limit. And after receiving denials, I received 10+ additional advertisements. I initially was excited receiving the email because I thought I was approved all this time while experiencing financial difficulties and I thought that was a means of an end to the issues. Just to see that I was completely denied. This is considered bait and switch. This is false and misleading representation. I have also read on their documents on the Security Exchange Commission and saw that they are securitizing our applications and pooling them into trusts to trade across the secondary market ( XXXX XXXX XXXX XXXX ) after turning the application over to get the Original Issue Discount from the Treasury Department without giving me MY EXTENSION OF CREDIT. They are committing securities fraud and they are not reporting anything to the IRS which is now going into tax evasion. I sent an email in response and no one responded. I then called the investment line and explained my issues and the individual had a supervisor call me back and that individual stated they do not have to comply with UCC, they do not go off of third party websites ( SEC.gov ) and stated the decision is final.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: AL

Complaint narrative:
i have been requesting a change to my due date to help with not being charged a late fee. I have made this request since XXXX of this XXXXi have received 5 form letters dated, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, and XXXXall of these letters say the same thing, reviewing your requst. i live on my ss which is paid on the XXXXXXXX XXXX. of each month.i live in alabama and my payment goes to cal.the current due date is the XXXX of each month and i requested my due date be changed to the XXXX of each month.

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 2023-12-22 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:
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 XXXX Account Number:XXXX Account Name : DPT EDXXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or a 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-22 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:
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 XXXX Account Number:XXXX Account Name : DPT EDXXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or a 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 2023-12-22 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: SYNCHRONY FINANCIAL
State: KS

Complaint narrative:
XXXX XXXX XX/XX/XXXX XX/XX/XXXX Reported inquiry that was not mine XXXX XXXX XXXX  XXXX XXXX XXXX XXXX DE 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