vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
The company closed the credit card account. I called to find out why the account had been closed and I was told by the agent that it was because of returned payments. I reviewed the account and found no evidence of any returned payments. I explained to the agent that it is unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction because the applicant has in good faith exercised any right under Title 15 Chapter 41 of the US Code. Unfortunately, the agent held her position that the company would not be able to reopen the account. Knowing the regulations set forth in the Truth in Lending Act, and the Equal Credit Opportunity Act, I realized that I am being deprived of my rights. 

Due to the actions of the company, my faith is torn and I am devastated that the company would act in such a manner, given that I have been a valuable asset to the company. My family is being affected by the company actions. My wife and children are currently suffering due to the fact that we are not able to able to utilize the credits for food and other personal, family and household necessities.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
It is truly unjustifiable that I have consistently made on-time payments for this account and have never been late. I kindly request that you update my account to reflect this accurately.

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 2023-08-09 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To whom it may concern : I am an identity theft victim. I am writing to dispute the following items in my credit report. Each of the accounts and transactions I disputed were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway. 
XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX - DEPARTMENT OF EDUCATION Inquiry : XXXX. XXXX, XXXX - XXXX XXXX XXXX Reported : XXXX XXXX, XXXX {$770.00}

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 2023-08-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
Apartment was flooded and lotted. Someone committed fraud and took money out of all my accounts with Wells Fargo Bank beyond account limits reckless transactions repeatedly that Wells Fargo Bank should not have allowed.

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 2023-08-09 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: IL

Complaint narrative:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

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 2023-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX, Experian, and XXXX continue to report my student loan account with XXXX incorrectly. The account has been paid in FULL. I have sent several letters to the reporting agencies to have the balance corrected.

( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

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 2023-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FinCo Services Inc DBA Current
State: LA

Complaint narrative:
I opened the account and had no issues at first. I did it use the account that much. I started back working and made a couple {$1000.00} deposits from XXXX. While my child was sick and 3 days before we were supposed to leave on vacation my account was locked/frozen. I provided everything that was asked of me. I was in constant contact with the bank, but never got any answers. They would not speed up the process at all. The fraud department will on communicate through email and they are only available XXXX during daytime hours. They held my money for almost a week. I have XXXX children and did not have access to ANY money. On top of that, they continuously asked for the originating source of the money that I deposited from XXXX. I dont see how that is any of the banks business. This extremely inconvenienced my family and I absolutely do not agree with their practices or protocols. It caused my bills to be late, we had to cancel our vacation and my child had to go without medication. At one point I even threatened to contact my lawyer, but that did no good.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
On XX/XX/XXXX POA revocation was sent certified mail. XX/XX/XXXX letter of recission and Affidavit was sent to XXXX XXXX. In XX/XX/XXXX contract was executed under false and fraudulent pretense to include inflated purchase cost, XXXX contract, down payment and dealership processing fee.

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 2023-08-09 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CREDIT ACCEPTANCE CORPORATION
State: MD

Complaint narrative:
It is a crime to threaten lawsuit with no intention of doing so, therefore you can take heed that I am very serious about filing suit against your company. I have sent 3 previous letters to you, requesting that you remove inaccurate information from my file and you have failed to do so. 

Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters stated my reasons for an investigation and these reasons were not frivolous in any way. 

If this final request does not prompt you to conduct a proper investigation of these accounts in question, and send proof to me of said investigation, I will file a civil suit in my county for damages and you can travel to defend yourself. 

I take my credit very serious and your lack of professionalism and assistance disappoints me. I am well aware of my rights under the Fair Credit Reporting Act and I intend to pursue them to the maximum.

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 2023-08-09 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: MD

Complaint narrative:
To whom it may concern, The reason for this letter it to dispute multiple unauthorized inquiries on my credit report. On XX/XX/XXXX, I retrieved a copy of my credit report EQUIFAX and discovered multiple unauthorized trade that I have no knowledge that is on my consumer report. Because I did not apply for credit with XXXX XXXX, INQUIRY DATES : XX/XX/XXXX. I have also reached out asking that they remove the inquiry from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX XXXX XXXX XXXX  ] Reason : [ WRONG INFO ON MY ACCOUNT WANTED REMOVED. NEED REMOVED FROM TRANSUNION ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ 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 2023-08-09 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: True Link Financial, Inc.
State: CA

Complaint narrative:
I am a veteran and am currently in the fiduciary program, my fiduciary uses a service called " True Link Financial '' to send me money periodically. I recently had a declined transaction in the amount of XXXX at XXXX XXXX, however the money was taken from my account and not returned, and True Link refuses to re-release the funds to me, I've spoken to everyone under the sun and have had no success to date. I have even sent confirmation emails of the cancelled transaction to the customer support team at true link. This is the money I fought long and hard to get with my service to this country, I was wounded in action, and for them to treat me like this is completely unacceptable. 

If you should need any information from me, my name is XXXX XXXX, my email is XXXX, my XXXX is XX/XX/1986, and the card I have on file with True Link has a last XXXX of XXXX, also the last XXXX of my social is XXXX, that should be all they would need but if you need anything else feel free to call me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: U.S. BANCORP
State: NV

Complaint narrative:
A woman with a familiar voice claiming to be from US Bank continues to call and try to collect a debt for a long period of time. She goes by the name XXXX XXXX. The XXXX number is not listed online for US Bank XXXX XXXX. 

I also heard the same woman when I called XXXX XXXXXXXX I believe she had a different name. 
The woman i believe is a XXXX XXXX XXXX XXXX employee called XXXX XXXX. 

https : XXXXXXXX XXXXXXXX

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 2023-08-09 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: TX

Complaint narrative:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

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 2023-08-09 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated
State: NV

Complaint narrative:
Unauthorized Transactions XX/XX/23 {$100.00} XX/XX/23 {$400.00} Atm cash withdraws I tried to withdrawal money from the atm on XX/XX/23 and my transactions kept getting declined stating that I reached my daily withdrawal limit. Upon checking my account I noticed my account had XXXX unauthorized withdrawals in California in the amounts of {$100.00} and {$400.00} totaling in {$500.00}. I contacted Way2Go customer service and the representative was very rude and kept insinuating that it was me and there would be nothing they could do. She still did file the claim for me which I never received my paperwork to send in which they automatically denied my claim nor did I receive a new debit card. Ive had to call them over and over to get the investigation results, which is where they didnt investigate. After months of calling I finally received my new card on XX/XX/23 on XX/XX/23 I received another denial letter with absolutely no context behind it whatsoever they have not done any type of investigation theyre just going off of their own assumptions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Westlake Services, LLC
State: NV

Complaint narrative:
Ive been making an extra payment the day before my automatic payment is to be taken out but finance company waits until the next day to process my extra payment and charge me interest on my money that was to go directly to the principal

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09 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: J J Marshall & Associates, Inc
State: MI

Complaint narrative:
I sent my letter off XX/XX/XXXX. I told the credit bureaus to " investigate every piece of information '' on the accounts i have listed below. Also i have attached the letter and receipt from when i sent the letter out and here is the tracking number. 

According to the FRCA the term " investigate consumer report '' means a consumer report or portion therof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my account were verified but how is that possible if they did not do a proper investigation according tot he law. Also every piece of information on these accounts are still not reporting 100 % accurate. And according to the FCRA 15 USC 1681 everything has to be 100 % Accurate. 
I have the credit report showing the inaccuracies. 

Accounts : JJ Marshall & Associates Inc

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09 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: World Acceptance Corporation
State: MD

Complaint narrative:
XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING. THIS VICTIM ALERT WILL BE MAINTAINED FOR XXXX YEARS BEGINNING XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ

Complaint narrative:
In XXXX, during my employment with XXXX XXXX, I opened a checking account ( and very likely a savings account, but not exactly sure ) with USAA and within a very short time they misled me about various aspects of their banking services, which escalated into intense conflict, causing me to close out my checking/savings account ( s ). When closing them, at no time did the USAA representative ever disclose that wording in the membership contract I agreed to ( a veterans only bank ) allowed USAA to keep any of my personal information in their database, as a pretext to keeping my membership in their records. When I received an entirely unexpected email from USAA roughly 7-10 days ago, advising me that my Account Review was complete, I not only had no idea what an account review was-since I no longer had an account with USAA, but wanted to know how USAA got ahold of my personal information, when I understood they were required to purge my personal information from their database, when accounts are closed. When I finally got a manager in the fraud department on the phone ( after 26 attempts ), she advised me that yes, the accounts were closed, but covenants in the contract allow USAA to keep my personal information, as a portal to my membership, which they regard as current ; USAA insists they dont have to honor my privacy rights, because ( by insinuation ) my veterans membership is a lifetime membership. None of this was ever disclosed to me and I demanded they purge my personal information from their database, which USAA flatly refused to do, because of the covenants in the contract. They directly and indirectly insisted that they dont have to honor any members or previous members privacy rights with them insisting they dont care if I file this complaint with you! USAA also admits they dont care if keeping my personal information makes me dangerously vulnerable to the dark web and identity theft, which they admit Im vulnerable to, because of their reckless, unauthorized retention of my personal information! I demand USAA purge my personal information from their database and be fined for deceptive accounting practices, that include failure to fully disclose account closure practices by USAA that are not subject to privacy rights laws and banking industry standardsthat USAA seems to enjoy flaunting, for refusing to believe they will be held accountable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/2023 in the early mornings someone that had stolen my phone transferred/XXXX  XXXX from my Bank of America accounts . Was done from XXXX different accounts. The same person also stole all my bitcoin money from my XXXXXXXX XXXX and ran up my credit cards that were inside my phone case. Bank of America refused to give the funds back. I filed a police report but have not had any luck with it being in the city of XXXX. Was told they have more important things to worry about. I would like to receive my Bank of America funds back that was not authorized by me using XXXX. I have the persons phone number that the funds were sent to. I believe I also know the persons name and address. After getting a new phone my XXXX had a different home address. Would also like this person to get in trouble. It took place at XXXXXXXX XXXX  and I have learned this is EXTREMELY common at this location since happening 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