vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I Was A Victim Of Somebody Tried To Get A Car In My Name And They Opened Up Credit Cards And Phone Accounts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-05 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: Great American Finance Co
State: IL

Complaint narrative:
I Was A Victim Of Fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/2023, USAA withdrew {$2500.00} from my checking account for a teller 's check that I requested. It is roughly two weeks later and they literally have no idea where the check is other than they supposedly mailed it via USPS. They did so without any form of basic tracking, and have said that if the check is lost or stolen that they have to wait 90 days to cancel the check and return the funds to my account. 

I am honestly appalled that a bank that is supposed to be serving military families thinks it is remotely appropriate to handle thousands of dollars of other people 's funds so recklessly. 

They never let me know that the funds would be sent without any form of tracking and that I was assuming the risk that the funds could go missing in the mail without any way to rectify it before 90 days. 

The fact that someone in a position of leadership signed off on these practices shows how clueless they are in terms of the needs of military families. A new enlistee could be requesting a check to purchase a new vehicle, only for the funds to go missing and USAA saying " that's too bad. Contact us in 90 days. '' While I was personally never advised that the funds would be sent without tracking, USAA should not even let anyone consent to this form of funds transfer because they should be looking out for their customers. 

Even if I receive the check in the mail today or sometime in the next few days the entire situation is completely unacceptable. I am submitting this complaint so it does not happen to anyone else.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
XX/XX/XXXX, Received a text notification about a declined transaction assuming it was for my " debit card '' as i am not from area and its common to receive these notifications, upon further investigation about 1 minute after i called bank to inform them i was not using my " credit card '' anywhere and informed them i did not even have possession of the card. 

They have opened a claim immediately and informed me card would be closed and new card will be issued. I have to wait till transaction posted to receive credit back to my account while they conduct there investigation. 

XX/XX/2023, received notification card was still being used, a transaction was successfully charged on this date using the old card they claimed to have cancelled. 

XX/XX/XXXX XXXX & XXXX, Bank send me letter saying I'm responsible for charges due to merchant providing a receipt with signature. " Fraud Charges placed back on to my credit card incurring fees and interest '', i requested copy of that information and they have not provided me with it so i can provide proof my signature was not on any documentation. Informed them my passport and drivers license both have my real signature and i will provide it to prove my innocence regarding the claim. 

XX/XX/2023, @ XXXX i call and ask for supervisor and ask that this be elevated for further clarifications as something is not right and my claim isn't being handled properly. They inform me claim will be reopened. 

XXXX XXXX @ XXXX called in to verify everything is clear and again information is not being made clear, they informed me both claims were closed and that they will reopen them to reinvestigate. 

I also informed them that i was still getting notifications about transactions being declined at numerous gas stations aswell as XXXX even after the card was supposedly closed. 


There is alot of mis information being passed around causing me financial burden and false information being provided is hindering the proper resolution of my claim. Its near impossible for a claim to be resolved in under 72 hours, all whilst the fraud is still taking place even after they claim card was deactivated on XX/XX/XXXX the very same time as original fraud transaction Claim # XXXX < First claim Claim # XXXX <Second claim I am not responsible for these charges and i request further help to come to a resolution for the very poor communication and investigative skills provided by bank of america.

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 2023-04-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SIERRA PACIFIC MORTGAGE
State: CA

Complaint narrative:
Sierra Pacific Mortgage Company sent at least XXXX closing disclosures all said the Points to buy down the loan would be {$2600.00} at first then {$2900.00}, however on the day we closed the loan it was {$5700.00} plus a commitment fee of {$790.00} and a processing fee of {$750.00} for a loan amount of {$110000.00} They also asked us to send copies of bank statements with full account numbers to them via email, asked us to send the same documents several times that we had already sent, asked for many new items on the last few weeks of the loan closing, & even asked for more documents after it closed. They took over 2 months to give us the loan asking for things in bits and pieces instead of a list at the beginning.

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 2023-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: REGIONS FINANCIAL CORPORATION
State: AR

Complaint narrative:
My complaint is with Regions Bank in XXXX. My name is on the account with my mom. She passed away on XX/XX/2022. I took them a death certificate after she died and then i tried to close the account and they refused. They told me that i had to get the autopays to stop and then they would close it. I was having trouble getting that information on what was coming out and could not figure it out. I looked in boxes to try and find out where that information was to close them out. They have since told the XXXX XXXX XXXX and XXXX XXXX that I took the checks that the XXXX that I took that money out of that account and I have not used that account in months. I got that bill from that company stating XXXX of those checks equaling {$4100.00} for XXXX, XXXX, and XX/XX/2022 but not XX/XX/2022. My brother and I suspect fraud because something does not make sense to us. Thank you in advance.

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 2023-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Please dont close this complaint down this is a real complaint made by me a human being. so i noticed some accounts on my credit that i did not sign up for and i called the creditors and they can not produce a contract with my signature on it and then i reached out to the credit bureaus and they did not remove the identity theft either. so now im doing this complaint with you guys to hopefully get things taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Good Morning This morning, at approximately XXXXXXXX XXXX XXXX, I spoke on the telephone with XXXX XXXX XXXX XXXX XXXX Bank of America XXXX Escalation Department and I was informed that on or about XX/XX/2020, XXXX, someone from the Bank of America , Escalation Department XXXX named XXXX made a false report and reported me to the XXXX XXXX  division. However, I am also told that I will remain on the XXXX XXXX list. 
It is clear that Bank of America has no legal intentions of investigating this matter, to insure that proper measures and matters were handled professionally. 
I am asking to speak with XXXX XXXX XXXX XXXX directly in order to assure that these orders are coming directly from the CEO of Bank of America.

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 2023-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
On XX/XX/2023, Truist Bank assessed a {$36.00} fee to my account balance at $ XXXX with pending transactions. However, the account was NOT negative, as of yet, where I was going to make a deposit and their policy is that when the account is negative then they will allow you until XXXX the next day to make a deposit. The policy was not implemented for my account and the {$36.00} overdraft fee occurred. This is not right and I would like to file a complaint against Truist Bank. 

There was another {$36.00} fee charged to my account when my account was overdrawn by only {$1.00}. I tried to XXXX an amount from another bank account with the instructions from a customer service agent through the Chat and she couldn't tell how to properly deposit the money so that my account would not overdraw. This would be a banking error. Yet, the {$36.00} was applied to 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 explanation
Consumer complaint received 2023-04-05 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
My mother had a an account with chase bank and had open me up a student account. She was the primary account holder they then closed her account due to inactivity last year and they had left my account open in which Im confused about because I was a minor. Chase had then charged my account on XX/XX/XXXX of 2023 for {$1500.00} and put me way deep into the negatives on my account for a check my mother had cashed last year in XXXX in the XXXX XXXX app that check had then was XXXX to the XXXXXXXX XXXX  XXXX XXXX and cashed as well in which Im confused about .Im making the complaint because they a charging MY account for something that has nothing to do with me and charging my account a year later and for keeping my account open while I was a minor at the time while they had closed my mothers account. Also for not being able to do their job properly because why a whole year later are they just now realizing something this serious

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TICE ASSOCIATES INC
State: GA

Complaint narrative:
I have XXXX XXXX the University XXXX XXXX XXXX also known as XXXX XXXX XXXX XXXX placed a collection for {$1000.00}. with Tice Associates INC. I had a three-way call with XXXX from XXXX XXXX XXXX XXXX and XXXX from XXXX XXXX XXXX XX/XX/XXXX. Per that called it was found that XXXX XXXX did not process the claim as an out of Network claim. XXXX XXXX stated that they had requested medical records for the date of service XX/XX/XXXX, however, since XXXX XXXX XXXX is not in Network, they will reprocess the claim and made it clear that my obligation to pay since it is out of network is {$200.00}. However, XXXX stated that her manager XXXX stated that the {$1000.00} has to remain on my credit report as an collection until XXXX XXXX pays the claim. This is a clear violation since I do not owe XXXX XXXXand the claim is being reprocess for payment. XXXX XXXX also provide XXXX with a provider # XXXX for the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 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: Navient Solutions, LLC.
State: CA

Complaint narrative:
I am writing this complaint to NAVIENT. I sent them a letter regarding the inaccuracies in my report such as date of last activity, date opened, date reported, payment status etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. My rights has been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AFNI INC.
State: GA

Complaint narrative:
I have sent a pay to delete letter to debt collector ( AFNI , INC ) and I have had no response from the debt collector. I proposed a payment of {$370.00} via certified funds if the debt collector agreed to my terms in the letter. There was no debt validation completed and sent to me by debt collector. My letter for pay to delete was sent via certified mail XX/XX/2023. I want this collection removed from my credit report ( from all 3 bureaus ) immediately due to negative impact. I have attached proof of letter sent and certified mail receipt if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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 # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

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 # XXXX, has violated my rights. 

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 2023-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Please see the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I filed a claim with PayPal on XXXX XXXX for XXXX. I received provisional credit. On XXXX XXXX. I received an email stating my case was closed and was decided in my favor. That credit was permanent. On XX/XX/XXXX, I then received another email stating I closed the case and the funds will be reversed. Its no way possible I can close a case that was closed since XX/XX/XXXX and ruled in my favor. Now my account is in the negative. I also contacted PayPal about my PayPal debit card being closed with no explanation. Ive called numerous times about this and no explanation was given.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
In accordance with the Fair Credit Reporting XXXX  XXXX Acct # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX Co XXXX XXXX XXXX, XXXX XXXX VA XXXX # XXXX, XXXX REF : REF : XXXX have violated my rights. 

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 18 U.S. Code 1028A - Aggravated identity theft ( 1 ) In general. Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. 
" ( 3 ) the term `means of identification ' means any name or number that may be used, alone or in conjunction with any other information, to identify a specific individual.

FCRA 623 ( a ) ( 7 ) Negative Information

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