vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP
State: FL

Complaint narrative:
The agent I spoke to in XX/XX/XXXX was XXXX XXXX on your service request number XXXX who told me in XX/XX/XXXX that if I made XXXX final payment, he would credit the other charges on my account because I had not set up or authorized US Bank to artificially keep accounts open that I have tried to close for XXXX years. XXXX told me if I made XXXX more payment of {$100.00}, which was posted on XX/XX/XXXX, he would credit all your other transactions that I did not make, set up, or authorize on all accounts I tried to close entirely in XX/XX/XXXX. Instead, on your side, without my authorization, you continued to make credits and debits on accounts I closed in XX/XX/XXXX. And US Bank failed to send me any of these transactions because you again failed to update the new XXXX address I gave you every time I spoke to your agents. 

US Bank closed checking account XXXX but did not credit it to the cash flow manager account number XXXX, which is accruing daily interest. 

I do not owe US Bank {$200.00}. US Bank needs to get those internal funds from the Silver Business Checking account 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 2023-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
XXXX reported me as late for 120 days while they were in the process of completing a loan modification. I have tried to dispute this with all the credit reporting agencies and it continues to remain. I feel that the investigation was not thorough.

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 2023-02-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

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 name : # XXXX XXXX XXXX XXXX Account name : # XXXX XXXX XXXXXXXX Account name : # XXXX XXXX XXXX Account name : # XXXX XXXX XXXX {$1300.00} Account name : # XXXX XXXX XXXX {$900.00} Account name : # 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 IN ADDITION TRANSUNION FAILED TO DO AN INVESTIGATION INSTEAD THEY BLATANTLY REFUSED TO HONOR MY REQUEST OF AN INVESTIGATION THUS VIOLATING MY CONSUMER RIGHTS

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 2023-02-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
on XXXX new Bank of America credit card was opened in my name and the confirmation was sent to my wife 's email address ( XXXX ) not mine. My email is XXXX. My wife dose have a Bank of America credit card in her name. They did a hard inquire of my credit and it showed up on my credit report. 
I called Bank of America to cancel the card and my credit report ( XXXX ) to have the hard inquiry removed. I don't know if anything else has been compromised. Below is the email that we received. 


From : Bank of America XXXX Date : XX/XX/2023 at XXXX AM EST To : XXXX Subject : Notice : Your Credit Card Has Been Approved Reply-To : Customer Service XXXX Bank of America Your credit card application has been approved XXXX XXXX, We're happy to XXXXet you know that you've been approved for the BankAmericard credit card. In the next 7-10 business days, you'll receive your new credit card in the mail, along with important information about your account, including your Credit Card Agreement, account benefits and details, and information on how to manage your PIN.

Please review and save this information. To activate your card, follow the instructions that come with your new card.

Important note : If you requested a balance transfer with your credit card application, please continue to pay your other lender ( s ) until you receive confirmation on your first statement that the transfer has been approved and completed to avoid late fees or delinquency. 

We'll never ask for your personal information such as SSN or ATM PIN in email messages. If you get an email that looks suspicious or you are not the intended recipient of this email, don't click on any links. Instead, forward to XXXX then delete it. 
Please don't reply to this automatically generated service email. 
Privacy Notice Equal Housing Lender Bank of America , N.A . Member FDIC 2023 Bank of America Corporation

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 2023-02-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: FlexShopper, Inc
State: TN

Complaint narrative:
The lender refuses to remove bank account information upon request and revocation of authorization. 

Said was not allowed to remove information till I add more. This isn't how it works. 

Refused to remove my bank info. XX/XX/2023 at XXXX by phone.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
violation of FCRA VIOLATION OF METRO 2 COMPLIANCE i requested that accounts with inaccurate data for verification or corrected Accounts info thats not listed correctly came back verifed with all inaccurated info still listed after they said its correct, data not reporting accurate, across all three credit breaus, account closed but still reporting payments, credit limit inaccurate, dates open inaccurate PLEASE HELP IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT CONVERGENT ACCOUNTS- # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX  XXXX # XXXX XXXX XXXX XXXXXXXX XXXX # XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX  XXXX # XXXX ACCEPTANCE NOW 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 A WRITTEN INSTRUCTIONS. ( TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ) IF AFTER ANY REINVESTIGATION OF ANY INFORMATION DISPUTED BY CONSUMER AN ITEM OF THE INFORMATION TO BE INACCURATE OR INCOMPLETE OR CAN NOT BE VERIFIED THE CONSUMER REPORTONG AGENCY SHALL - ( a ) PROMPTY DELETE THAT ITEM OF INFORMATION FROM THE FILE OF THE CONSUMER OR MODIFY THAT ITEM OF INFORMATION AS APPROIATE BASED ON RESULTS OF INVESTIGATION ( b ) PROMPTLY NOTIFY THE FURNISHER THE INFORMATION HAS BEEN DELETED.0

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 2023-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Nelson Cruz & Associates LLC
State: AZ

Complaint narrative:
Could not even speak with someone, the operator refused to transfer me and acted as if she was in charge. She also cussed at me and repeated called me offensive XXXX names. She also threatened to call other numbers that were apparently associated with my account which I have no idea who that would be. This company is most likely fake or just completely mismanaged. I am currently disputing this collections as fraudulent since I have no idea what XXXX XXXX or " XXXX XXXX '' is or why it's on my credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: MI

Complaint narrative:
I consolidated two loans to recover from default during unemployment and was offered an income based repayment plan in XXXX. I consolidated XXXX XXXXXXXX XXXX and XXXX  XXXX XXXX  loans and my payment was XXXX XXXX. The next year I went tor recertify. I was making approximately $ XXXX. and they tried to make me pay $ XXXX. I asked, begged and pleaded for a lower payment and it was not granted. I even asked what would happen if I paid a lower amount thsn what was required. They said my only option was to pay that amount, so I had no choice but to default a second time. 

It took me until XXXX to make enough to afford that. I called and spoke to a rep named XXXX XXXX in XXXX XXXX. XXXX. She told me that she saw my call in the records where I asked for a reassessment of my monthly payment amount and that I qualified for a repayment amount less than $ XXXX. based on my income at the time. She helped me file a complaint with PHEAA, but no one has taken responsibility for the issue. I would have been able to afford that amount and would not have defaulted. This has caused me an addtional $ XXXX in collections and additional financial hardship. I would be wage garnished if not for the COVID  moratorium, and no one cares that my financial life has been ruined as a result of me not being given the opportunity for a more reasonable payment that I qualified for. Now I am ineligible for XXXX XXXX. I have to consolidate again. My loan is even more expensive, and I can not qualify for rental or home ownership because of this. When I call to try and address my loans, people are rude and condescending. When I tried to get a better understanding on a recent call, I was told, " It doesn't matter if you don't like it. That's the way it is. '' I have lost all trust in this company and feel like I am being forced to negotiate with XXXX XXXX. 

When I submitted the complaint I was told it would be added to my PHEAA account notes but nothing would be done to rectify the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX is furnishing inaccurate information to my Equifax credit file. Collection account XXXX. XXXX is reporting XX/XX/XXXX for date last active while Equifax is reporting XX/XX/XXXX for date last active. Due to inaccuracies I want the account deleted for violating the FCRA. My proof is directly from my credit report that shows the violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
This card was opened in my name and did not know about it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 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: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX XXXX  showing late payments asked kindly to display show burden of proof data furnisher has not shown me statements, situation was fixed a month ago, and they repudiated the account to late after I proved them that I had a binding agreement for payments to be shown as payed and current. 

XXXX XXXX showing XXXX late payment, please update account I payed on time last month XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 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: GA

Complaint narrative:
I already have disputed this account multiple times for the last 8 months and there has been no any respinse after the account information submitted has met the FCRA requirements. The account informations reporting are all inaccurate and doesnt make sense at all. The last active sates and the opening dates of this account has been varying from one bureaus to another. Under 15 U.S. Code 1681 ( e ) ( B ), this is a violation of my rights as a consumer for non compliance. Please remove these account referenced to the files attached.

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 2023-02-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I already have disputed this account multiple times for the last 8 months and there has been no any respinse after the account information submitted has met the FCRA requirements. The account informations reporting are all inaccurate and doesnt make sense at all. The last active sates and the opening dates of this account has been varying from XXXX bureaus to another. Under 15 U.S. Code 1681 ( e ) ( B ), this is a violation of my rights as a consumer for non compliance. Please remove these account referenced to the files attached.

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 2023-02-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: ALLY FINANCIAL INC.
State: SC

Complaint narrative:
Around XXXX my wife ( XXXX XXXX XXXX & I attempted a transfer of two IRA 's with XXXX XXXXXXXX XXXX XXXX  XXXX, XXXX, SC XXXX. ONE FOR OVER {$8000.00}, THE OTHER FOR OVER {$7000.00} XXXX in her name ( XXXX XXXX XXXX & one in my name, XXXX XXXX XXXX. Lo & behold we found out the bank DOES NOT DO WIRE TRANSFERS! We therefor proceeded to get two bank checks and certify/ Return receipt them to ALLY BANK, XXXX, XXXX XXXX PA XXXX. As of XX/XX/23 date we can not get confirmation these monies are in our account & drawing interest & we fear we may be penalized by the IRS for not having timely transferred funds! Besides numerous conversations with ALLIED & repeatedly reciting their security questions, we still can not get confirmation of our transfer & their receipt of these funds! Today " XXXX '' besides recharacterizing my comments kept insisisting only a call from an accounting person in 1 to 2 days could answer my questions! It has been since XXXX that I began this process- How long do their business operations take??? This is ridiculous, without merit & we may take a tax loss because of their inadequate & improper handling of this transaction! WE STIL HAVE NO RECEIPT OR CONFIRMATION ABOUT OUR FUNDS- ALMOST A MONTH! I have spent over 3 weeks tying to resolve this!

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 2023-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
On XX/XX/23, I received a letter from Paypal XXXX XXXX ) which included : a routing number, a bank account number, a debit card with my name, and my current recently moved into address. I do not have nor have I had business with PaypalXXXXXXXX nor did  I request this card or account to be created. 

I called the number listed on the letter that I received to ask who created this account, when, how was my data received and for clarity in this process. The agent that took my call refused to provide me her employee ID or client identifying number, she refused to transfer me to her supervisor, did not share any details and just transferred me back over the the start of the prompts in the Call Center queue. This makes me think the agent was trying to avoid a quality monitoring or a score that I would receive and did not want to do her job. 

I got in touch with another agent who did provide me with her identifier number, but she just wanted me to disregard the card and the intent they had. She refused to direct me to a person or department that could give me the information I asked for, she refused to say who, what or when the card was issued and said she didn't have that information. This is a lie as its basic CRM practices and due to FTC regulations, they need to keep the data on all accounts they open. On the fifth attempt to get transferred to a supervisor, they made me wait over ten minutes to speak to one.+ Supervisor refused to provide any information except his employee ID and just wanted me to be happy I was opted out of future marketing campaigns, but not acknowledging the issue at hand of how they received my data and how could they delete it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation
State: CA

Complaint narrative:
I was contacted at XXXX XX/XX/2023 from Penn Credit Corporation by XXXX who would not provide me her last name nor any contact information. She notified me that there was a debt collection agency trying to contact to collect a debt and asked me to verify my full name and give her my address. I refused to do both and asked who was trying to collect the money and how much money was to be collected. She refused to provide me with that information until I gave her my personal information first. I attempted to collect more information from her but she refused any further attempts to gain her contact information or the exact debt amount or debt collector I should be working with. I asked her to remove me from her calling list since I'm registered with the national do not call registry. She hung up on me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
In XXXX I took out a home equity line of credit with Wells Fargo. and XXXX when I lost my job I call Wells Fargo to take a loan modification now which I was approved for 36 months I continue to pay my mortgage equity line of credit and tell modification ended and my payments were back to regular amount. I was told that if I didnt pay {$12000.00} upfront they was going to foreclose close on my house so XXXX I file bankruptcy on the XXXX that they said I owe and XXXX my husband passed so I tried to do another loan modification. I was denied. In XXXX, They came back and said I had mess mortgage payments from XXXX to XXXX which I hadnt miss any mortgage payments. My maturity date was on XX/XX/XXXX but Wells Fargo came back to me and told me I still owe {$20000.00} at the end of my maturity date with not give me any reason why from this day I end up selling assets to get the money to pay them off in XXXX because they gave me a new maturity date with any explanation to be XX/XX/XXXX. I feel like Wells Fargo did not on my bankruptcy which they paid the money because they said they did not get any money for bankruptcy. I was trying to figure out if there was any information out there that could help me with my case and recovery the extra money that I feel like I do not owe. 
Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: U.S. BANCORP
State: NY

Complaint narrative:
i did not apply for this card please Take this inquiry off

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 2023-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Scratch Financial, Inc.
State: FL

Complaint narrative:
SCRATCH FINANCIAL INC has incorrectly reported that we didn't pay the balance in full on time even though the main report shows paid in full on time every single month, they have reported we missed a payment of {$18.00} at the end of the loan which is 100 % incorrect. we always paid {$98.00} on time every month then we get a random {$18.00} report we were never made aware of- We even paid the the {$18.00} just to be safe even though we didn't think it was owed due to the website saying account is " paid in full on time ''. this is 100 % accounting error and is holding me back from finically being able to go forward on a new home. 

Please see screen shots of them reporting all 100 % paid on time but then accidentally reporting a missed payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation