vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
Brief : I was issued a check in my name from a project I completed in the amount of {$25000.00} even. 

I contacted Bank of America located on XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX # XXXX I informed this bank that I lease office space in the building next door, Ive been there for years. 

I requested that funds be made available for me to cash the check. 

I spoke with a manager and they stated would be able to accommodate.

When I arrived the next day with the check all forms of ID required XXXX XXXX. Lease documents proving my address etc. 

The XXXX manager brought check into back and then came out front and told me that they would not be able to cash the check and that I would have to contact the ppl that wrote the check to discuss. 

When I asked why she would not give me any answers as to why they could not cash the check. 

I contacted the check issuer and they verified check was good. 

I went to an another Bank of America ( XXXX XXXX XXXX XXXX and they cashed the check without problems without any weird discrepancies or difficulties other than the normal verification process. 

The bank in XXXX XXXX is discriminatory towards many because Ive had problems there before which Ill take to a district court on behalf of the people if it continues. 

XXXX time about a year or XXXX ago I put a check in my account at the XXXX XXXX and it was flagged for absolutely no reason other than Im from a different block and these preppy people discriminate against it. 

I wonder how many people they have done this to in the pastsht stops right now XXXX or Ill elevate it up the ranks dont ever judge a book by its cover. 

Im closing On the check in discussion, my Middle initial is typed XXXX. 
my IDs ( all forms of verification ) are spelled out. 
Even though it wasnt explained to me ( reason for not cashing ) I suspect it was the minor stipulation as to why it wasnt cashed.. 

which is wrong, discrimination because a human trained in the banking profession should be able to connect the dots and ( no pun intended ) but the XXXX punctuation after XXXX  stands for a abbreviation.so not cashing it because of that is wrong XXXX XXXX educate yourself. 

Again I was able to cash this check at another bank quickly without any problems. 

And Im going to continue to use this bank in XXXX XXXX and everytime they make a wrong move Imma bust them on it and then Ill build a case and class action you all for real no joke If you lie and say some weird stuff in response Imma get you on it Have a good day!

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 2023-08-18 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I keep receiving billing statements from Synchrony Bank for an Amazon Prime-branded credit card that I don't even have, never used, and do not want. The only reason I know the account number is that it is printed on these bogus statements. Synchrony and Amazon appear to be piling on late fees and interest charges for purchases I never made, on a card I've never seen, much less activated or used. On XX/XX/, I wrote to Synchrony instructing the bank to reverse all charges and close this account. Synchrony ignored my request, and continues to send me illegitimate billing statements. I need CFPB 's help getting Synchrony to clear my name of these purported charges and close this bogus card account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-18 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: CA

Complaint narrative:
I use a Bank of America VISA card. 

I went on vacation in XXXX XXXX. On the last day, I went to the airport. I made two charges there. One at XXXX XXXX and the other at a bar. Both were recorded on my bill. However, between those 2 charges was a charge for {$280.00} at a restaurant I never ate at. I put in a fraud claim THREE times and each time was denied. 

I asked how it could be that I was in the XXXX XXXX  AND the restaurant at the same time ( Since the charge fell between 2 legitimate charges in the airport ). I have only one card issued to me. In spite of explaining that three times, they said the chip was read therefore it's a legitimate charge. There was no discussion on my point on timing. 

This is my first ( and last ) card with B of A.

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 2023-08-18 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: GA

Complaint narrative:
XXXX XXXX, credit services department refuses to provide me with my 2 charge-off credit card accounts, ( XXXX XXXX XXXX and XXXX XXXX accounts- XXXX XXXX 1099-C for both credit cards. So, I may file my taxes with the IRS. XXXX XXXX is making it very difficult to receive my 1099 forms. I would have to also report them to the IRS so they may reach out to them with the 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
Consumer complaint received 2023-08-18 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
When I reviewed my credit report. I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate this account in line with Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validated this reporting account as unverified information without providing any proof within the period allowed by law. This account need to investigate and correct for erroneous reporting in my file and are listed on my credit report. 
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 2023-08-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
When I reviewed my credit report. I discovered that some of the information was erroneous. The XXXX and TransUnion credit bureaus must validate this account in line with Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validated this reporting account as unverified information without providing any proof within the period allowed by law. This account need to investigate and correct for erroneous reporting in my file and are listed on my credit report. 
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 2023-08-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/2023, the Capital One Branch in XXXX XXXX NY inappropriately restricted access to our funds. We requested a cashier 's check during normal business hours and were told that they were out of checks. Subsequently, we were told that they had the cashier 's checks, but they were locked in a vault and nobody on duty could access them. We asked instead for a wire transaction to be processed, but were informed that the dollar amount we requested exceeded their wire limits and that they would only wire 1/3 of our requested amount. The bank 's suggested driving to their XXXX NYbranch at rush hour, 15 minutes away with no traffic. This was completely out of our way and with rush hour traffic there was no guarantee that we would have made it to the location prior to it closing. As such, our transaction is delayed, resulting in undue burden on the parties involved. Spoke with Branch Manager who did not understand the inconvenience it caused and proposed no practical solutions to resolve the problem other than to delay our transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18 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: NC

Complaint narrative:
MY IDENTITY WAS STOLEN, I'VE BEEN LIVING IN XXXX, NORTH CAROLINA FOR THE LAST 10 YEARS. MY ADDRESS AT THE TIME OF THIS INCIDENT WAS XXXX XXXX XXXX XXXX, NORTH CARLINA 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 2023-08-21 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ] SSN : [ XXXX ] | XXXX : [ 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 ] Reason : [ WRONG INFO ON MY ACCOUNT NEED REMOVED. ] 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 ]

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 2023-08-21 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: EQUIFAX, INC.
State: MI

Complaint narrative:
XX/XX/2023 ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] SSN : [ XXXX ] | XXXX : [ 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 ] Reason : [ WRONG INFO ON MY ACCOUNT NEED REMOVED. ] 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 ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-18 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: FL

Complaint narrative:
I have fallen victim to identity theft, resulting in a violation of my rights as outlined in 15 USC 1681c-2 and 15 USC 1681b . I kindly request the immediate removal of the following account. XXXX ( XXXX XXXX XXXX XXXX Account Number : [ XXXX ] Date of Fraudulent Activity : XX/XX/XXXX UNAUTHORIZED INQUIRES XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXXXXXX XXXX XXXX  Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXXXXXX 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 2023-08-18 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: FL

Complaint narrative:
The moment I received the duplicate of my report that I purchased with XXXX I immediately called your department since I saw some UNVERIFIABLE items on my personal profile. I discovered that there were CHARGE OFF and COLLECTION accounts on my credit report. This is disappointing because I have been paying XXXX to get a report every month and I have been disputing fraud items on my credit report all this time as well as this incorrect information on my personal profile on my personal profile but still youre not taking any actions. I have never with these items listed below, so please help me remove these charge off and late closed accounts. A copy of my Utility Bill, drivers license, and Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. Im requesting that you follow the law by removing this inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau XXXX and the XXXX XXXX XXXX XXXX 
Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. Im very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my Drivers license, SSN and current Utility Bill as verification of my ONLY address. ACCOUNTS : XXXX XXXXXXXX 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 2023-08-18 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: EQUIFAX, INC.
State: FL

Complaint narrative:
The moment I received the duplicate of my report that I purchased with XXXX I immediately called your department since I saw some UNVERIFIABLE items on my personal profile. I discovered that there were CHARGE OFF and COLLECTION accounts on my credit report. This is disappointing because I have been paying XXXX to get a report every month and I have been disputing fraud items on my credit report all this time as well as this incorrect information on my personal profile on my personal profile but still youre not taking any actions. I have never with these items listed below, so please help me remove these charge off and late closed accounts. A copy of my Utility Bill, drivers license, and Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. Im requesting that you follow the law by removing this inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau XXXX and the XXXX XXXX XXXX XXXX 
Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. Im very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my Drivers license, SSN and current Utility Bill as verification of my ONLY address. ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-18 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
On XX/XX/XXXX I filed a dispute regarding an account on my credit report and identity theft and the said information ( achieve personal loan ) was blocked. Enclosed is a credit report sent to me on XX/XX/XXXX without disputed information on it ). On XX/XX/XXXX I pulled my credits report again and said disputes information ( achieve personal loan ) was inserted back on my credit report without my knowledge or being notified as required under 15 USC 1681i ( 5 ) ( B ) ( ii ) and ( B ) ( iii ), ( i ) ( III ) ( II ). Experian has violated my rights the FCRA on several occasions.

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 2023-08-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Dynamic Recovery Solutions, LLC
State: PA

Complaint narrative:
I received in the mail a letter to collect {$690.00} in debt. Does not explain where the debt is coming from and I've had no other warnings or idea about this debt prior.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Personal information incorrect
Company: TD BANK US HOLDING COMPANY
State: MI

Complaint narrative:
Called in XXXX to make a payment and recieved a conformation. In XXXX I received a notice from collection that payment was not received. They did not notify me by mail or phone. In XXXX of 2021 I was asked to verify my phone number, which did not change, and the employee entered it wrong. I was charged late fees and intrest which they refused to correct

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18 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:
I AM WRITING TO DISPUTE THE FOLLOWING ACCOUNTS. I DID NOT OWE THIS DEBT AND IT DOES NOT BELONG TO ME. I NEVER ESTABLISHED THESE ACCOUNTS. I WAS CONTACTED BY A COLLECTION AGENCY REGARDING THE ACCOUNTS THAT WERE OBTAINED UNDER MY NAME. I HAVE NO KNOWLEDGE OF OBTAINING ANY OF THE ACCOUNTS LISTED HERE. PLEASE REMOVE THESE ACCOUNTS AND SEND ME AN UPDATED COPY OF MY REPORT AFTER THE INVESTIGATION.

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 2023-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
This complaint is about XXXX and my XXXX discharge. I sent them the award letter in the middle of XXXX and they have not given me updates while its being processed but instead has reported 9 new installment accounts and 9 new credit accounts on my credit report. I received notice on XX/XX/XXXX that you received my application. In that time, you have reported 9 new installment accounts and 9 new credit accounts to the credit bureaus. This, in turn shortened the length of time when I had the loans in my name and that reflected poorly on my credit report. The interest that you are charging me is inconceivable, and it increased my total amount due and owing according to the bureaus. You never sent me documentation of the interest charges that would accrue while I was under a decision of my XXXX before you notified the credit bureaus. I feel as though during this transition, reporting to the credit bureaus would be the least of your worries since I have given you my award letter from Social Security. During this process, my loans should have been held in a deferment or forbearance rather than reporting the negative information to the credit bureaus.

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 2023-08-18 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: Village Capital & Investment LLC
State: GA

Complaint narrative:
This complaint is in reference to my XX/XX/2023 mortgage payment to XXXX XXXX XXXX. XXXX XXXX made a direct and infallible error in reporting this loan late. I have made several attempts to request the mortgage company to immediately correct this erroneous report to the credit bureaus, in conjunction with filing disputes with the credit bureaus. Their intentional neglect to correct this error has caused my XXXX XXXX to suffer a negative XXXX XXXX pts. My family and I are experiencing emotional distress and financial hardship because of XXXX capital actions & nonaction. They have defamed my character and made it impossible for us to qualify for additional credit. We were in the beginning stages of consolidation of credit cards so we can assist in the funding of our first daughter wedding. Now we are having to borrow money from friends and family. As a XXXX veteran I would expect better treatment and consideration as we live on fixed income and have never been late in 3 years with this company. Extremely disappointed.I have the receipt and a official letter from XXXX XXXX dated XXXX XXXX admitting their error.

Company response to consumer: Closed with explanation