vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
The XXXX XXXX XXXX XXXX ( FDIC ) Office of the Ombudsman XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/2023 Dear Sir or Madam of FDICs Complaint/Dispute Department , I would like to draw your attention to the complaint I filed on XX/XX/2023- which I sent for your attention, in which I clearly stated how I was affected personally, psychologically, and financially by the scam in which Bank of America failed to protect my funds. 
However, it is over 50 days and I have yet to receive a response regarding my claim. 
I wish I can do anything to get this complaint done or get a resolution as soon as possible, seeing as the issue at hand is a matter of urgency for me. 
My complaint is against Bank of America which did not do its job properly ( could not prevent/foreseen fraud and could not conduct a proper investigation ) and not against the vulnerable customer who fell victim and lost all the savings due to the misconduct of Bank of America XXXX 
Bank of America and other Banks do have a duty to protect customers against the risk of financial loss due to fraud and/or to undertake due diligence on large transactions to guard against the aforementioned fraud. 
Bank of America could have protected me from this ; unlike me, Bank of America knows about the existence of such scams and how you prey on vulnerable victims like myself, taking advantage of a lack of knowledge, awareness, and circumstance. Despite the irregularities in my spending and such untypical patterns, not a single contact made me question what I was doing. The treatment from Bank of America compounded by trauma and anxiety and has left me in the awful situation I now find myself in. 
Your prompt attention to this matter would be greatly appreciated! 
Kind regards, 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 explanation
Consumer complaint received 2023-08-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
The hard inquiry XXXXXXXX XXXX XXXX XXXX ( Auto ) was not made by me XXXX XXXX this is a result of identity theft and I would like this removed of my consumer 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 2023-08-31 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: NC

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-08-31 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
They closed the claim to my savings account. Someone went into my savings and took all I had in savings. {$14000.00}. They closed it stating it had to be me or someone that had my user name and password. It wasnt me and no one has been given my user name and password. Someone from Wellsfargo called me and text me from the wellsfargo number and took my savings.

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 2023-08-31 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: NE

Complaint narrative:
I am earnestly appealing to you to eliminate this entry from my credit report as it does not belong to me and is entirely fraudulent. I request that you take immediate action to investigate and remove this erroneous information from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31 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: PA

Complaint narrative:
I currently have unauthorized inquiries appearing on my credit reports. 

XXXX XXXX Date of inquiry : XX/XX/XXXX 2. XXXX  Date of inquiry : XX/XX/XXXX 3.JPMCB XXXX  Date of inquiry XX/XX/XXXX XXXX. XXXX XXXX Date of inquiry XX/XX/XXXX 5. XXXX  Date of inquiry XX/XX/XXXX XXXX. XXXX  Date of inquiry XX/XX/XXXX XXXX. XXXX  Date of inquiry XX/XX/XXXX 8. XXXX  Date of inquiry XX/XX/XXXX 9. XXXX XXXX  Date of inquiry XX/XX/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 2023-08-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I was laid off due to Covid-19 and was having troubles making payments. I also kept experiencing unauthorized charges and fees from Wells Fargo during this time which made it even harder to make payments. I called about the unauthorized charges and they closed the account so we could start the pay to delete process since I was laid off and unable to make payments. When making my last payment I spoke to the representative and he advised within 60 days the account would be removed from my credit. When I contacted them recently to get an update they advised that I needed to contact the credit agencies. This is not what I was told. They are not fulfilling their promise that if I pay off the account it would be removed. Also, due to me being laid off according to 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies, section ( F ) Reporting information during COVID19 pandemic this should have not been reported on my credit. Wells Fargo has already agreed that they charged me unnecessary fees because I am still getting refunds from this company.

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 2023-08-31 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: NC

Complaint narrative:
I received notification that a debt was owed from a rental company. The email was received XX/XX/2023 and I receive additional documentation on XX/XX/2023. The statement of balance owed reflects an amount of {$1800.00}. I contacted Hunter Warfield and advised that I had a security deposit of {$1200.00} that is not showing as applied to current balance. The statement of a balance owed goes from the date of XXXX. I requested that the deposit be applied to the balance and this be revised to reflect the correct amount owed. Today XX/XX/2023 I receive a call stating I originally owed {$3900.00} and that the security deposit was subtracted already so the balance of {$1800.00} is correct. This is fraudulent because why isnt this shown anywhere on the statement of balance owed to begin with. I want this company investigated. Along with the company XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31 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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-08-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
On Saturday at approximatelyXXXX, we went to the Huntington Bank located in XXXX XXXX and tried depositing {$6300.00} into an ATM machine. The ATM machine immediately took the money and began showing signs of error and took the entire amount without providing a receipt. The machine went into malfunction and showed a sign that said " currently unavailable deposit ''. I immediately called the after hour customer service number and filed a dispute. I also called and left two voicemails to the local branch. On Monday I visited the local branch without recieving any assistance or reassurance that i would get my money back. I reached the dispute team and spoke with a dispute manager on duty and they escalated the process. However I still have not receive an update from the local branch nor the dispute team.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-31 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: PA

Complaint narrative:
See attached documents. Remove this information that does not belong 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 non-monetary relief
Consumer complaint received 2023-08-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I currently have unauthorized inquiries appearing on my credit reports. 

1.XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX 2. XXXX  Date of inquiry : XX/XX/XXXX 3.XXXX  XXXX  Date of inquiry XX/XX/XXXX 4. XXXX XXXX Date of inquiry XX/XX/XXXX 5. XXXX  Date of inquiry XX/XX/XXXX 6. XXXX  Date of inquiry XX/XX/XXXX 7. XXXX  Date of inquiry XX/XX/XXXX 8. XXXX  Date of inquiry XX/XX/XXXX 9. XXXX XXXX Date of inquiry XX/XX/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 2023-08-31 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I currently have unauthorized inquiries appearing on my credit reports. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-08-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I was laid off due to COVID-19 and contacted CAPITAL ONE for assistance on monthly payment. They closed the account and reported the account as delinquent. I contacted them to start pay for delete process. I paid off the collection and after waiting a few months I contacted them to see what other steps I needed to take to get the delinquency removed from my credit. Their representative advised that it would not be removed and it was never a pay to delete process. This is a violation of 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies, section ( F ) Reporting information during COVID19 pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Someone has been using my social security number to apply for credit. While it doesn't appear that they have successfully used my credit to gain a loan or credit card, they have added 13 inquiries to my credit report on TransUnion and XXXX. These inquiries range from XXXX to XXXX of this year. XXXX did investigate and removed all of these inquiries, but TransUnion is not being helpful at all.

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 2023-08-31 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: 21ST MORTGAGE CORP.
State: TX

Complaint narrative:
I am working on buying a house from XXXX XXXX XXXX. They will only use 21st mortgage for their used homes. They said they do not deal with any other mortgage company. I applied with 21st and was denied because of a problem I had with them 20 years ago. I asked them if there was a way around that since this dealership will only deal with them and they stated that if they ever had a problem with you they will never do business with you again. This all took place this week. How long can a bank blacklist you from doing business when the information has been off of my credit report for at least 10 years?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I opened a care credit account to purchase XXXX XXXX I was told I would have no interest for 24 months and then it would be between 29.99 % - 39.99 %. On XX/XX/2023 when the two years was up they charged me {$1300.00} in interest fees. I called and they said that was correct but they never sent any further info stating they could charge me over XXXX XXXX XXXX interest. In fact, to this day, they've never even sent me the card so I can only supply you with the last four digits I can see on their online portal. 

On the phone today they said I had to pay interest on the principle balance from my initial purchase only. My purchase was {$2400.00} and I had paid it down to {$1000.00} until I used the card at a vet to care for my sick cat. So per their own information I should only be charged interest on that {$1000.00}. 

This is predatory lending and I would have never agreed to this, ever. I have spent my life as a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I read all the fine print before I sign anything. This bank is actuing fraudulently and in doing so have overdrafted my account and are ruining my credit. 

I have made more than the minimum payment, on time, every month since I opened this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Navy Federal Credit Union is not compliant with 12 CFR 1024.35 ( d ), which states, Acknowledgment of receipt. Within five days ( excluding legal public holidays, Saturdays, and Sundays ) of a servicer receiving a notice of error from a borrower, the servicer shall provide to the borrower a written response acknowledging receipt of the notice of error. 

On the evening of XX/XX/, I sent an error notification email to executive-level personnel at Navy Federal Credit Union , including the President/CEO, all members of the Board of Directors, all members of the supervisory committee, Chief Compliance Officer, Vice President of Operations and others, as it applied to multiple errors over the past year. The Error Notification Email is attached, which provides all entities that the email that was sent ( *Please note, no email undeliverable message was returned, meaning each email recipient address was a valid email address ) and the information regarding error notification provided to Navy Federal Credit Union by their consumer. 

There was no written response acknowledging receipt of the notice of error. I would like to add that the notice was received by Navy Federal, as two voicemails were left on my phone and an email after the two voicemails that stated, I am reaching out about your recent experience with our Assumption team. I was hoping to get the opportunity to discuss this further with you at your earliest convenience. I can be reached at ( XXXX ) XXXX. As a consumer, this email does not provide any appearance as a written acknowledgment regarding a notice of error. 

The maximum required time of five days has been exceeded, and Navy Federal Credit Union has blatantly disregarded the procedural requirements for responding to written information requests or complaints of errors to consumers. This continues to be a trend.

12 CFR 1024.35 ( e ) is the legal requirement that directs Navy Federal Credit Unions response to notice of error. The time limit requirement in 12 CFR 1024.35 ( e ) ( 3 ) ( i ) ( C ) is 30 days, which must be complied with no later than the close of business on XX/XX/, including the response to the notification of error as directed in 12 CFR 1024.35 ( e ), or it will result in another action of noncompliance of laws, rules, regulations, etc. that the consumer has encountered for over a year.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-31 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-31 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: EQUIFAX, INC.
State: IL

Complaint narrative:
This inquiry is not authorized and was done by that creditor without permission! You must remove this as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
COMPANY XXXX XXXX XXXX IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 6802 BY CONTINUING TO REPORT NON PUBLIC INFORMATION. ON XXXX XXXX XXXX IN WRITING, I OPTED-OUT OF REPORTING FROM XXXX XXXX XXXX, AND SAID COMPANY IS STILL NOT RESPECTING MY CONSUMER RIGHT EVEN AFTER OPT-OUT NOTICE. 

XXXX XXXX XXXX IS VIOLATING MY RIGHT TO PRIVACY PURSUANT TO THE FOLLOWING : -PRIVACY ACT OF 1974 GUARANTEES PROTECTION OF MY PERSONAL INFORMATION -CODE OF FEDERAL REGULATION TITLE 16 CHAPTER 1 SUBCHAPTER C PART 313 GRANT ME THE RIGHT TO OPT OUT.

-TITLE 15 UNITED STATES CODE 6802 PRESCRIBES CONSUMER PROTECTION FROM AFFILATE AND NON AFFILIATES OF 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 explanation
Consumer complaint received 2023-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

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 XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has XXXX 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