vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
My wife and I saw the promotional offer of XXXX award miles after making one purchase and paying the {$99.00} annual fee. It was a targeted promotion advertised on a travel website. My wife and I used the same link, on the same day, approximately one minute apart from each other, when the cards came in my wife received the correct promotional offer but I did not receive what was advertised. Instead I received an offer of XXXX award miles after purchasing {$2000.00} in minimum spend over 90 days. I called Barclays to explain the situation, the agent pulled up mine and my wifes account and said yes, they made a mistake and we can get this fixed for you. A few weeks go by, nothing changes. So we call the company again. This time I speak with a manager who tells me that it is pending investigation and they may or may not fix the issue, and they will do it whenever they get to it. I was not given a time frame. I have called back several times and at least three times have been disconnected with no call back. Once I asked the agent if I could give him my number so that if I was disconnected he could call me back, he said but that he would out a note for someone to call me back. SurpriseI was disconnected again, with no call back. After calling again, I asked to speak with the first agent I spoke with, was told no but was told I would receive a call back from a manager within 24 hours. It has been 48 hours and no call has been received. This is false advertising. I specifically used a link promoting a specific offer and did not receive that offer. My wife has already received her miles award and it has been deposited into her account, but XXXX cant even get a call back or an answer. Their website says they try to handle complaints quickly, but when I call I get a response of we dont know, they usually take several billing cycles if they fix the issue at all. The phone calls are recorded, but we cant ever talk to the same person or find out extension numbers or get call backs if we get disconnected. This feels intentional, and it is false advertising. I would never have signed up for this card for the offer I received.

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 2023-07-22 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
CFPB did not solve and to did not transfer into my complaint another solve or district Court for me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22 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: EQUIFAX, INC.
State: FL

Complaint narrative:
THESE ACCOUNTS AND INQUIRIES ARE INVOLVED IN LITIGATION AND DOES NOT BELONG TO ME. I NEVER ESTABLISHED THESE ACCOUNTS. THESE ACCOUNTS ARE A RESULT OF FRAUD. 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 IN THIS AFFIDAVIT REPORT, AND WAS TOLD THAT I NEEDED TO COMPLETE THIS AFFIDAVIT, ALONG WITH SUBMITTING MY PERSONAL IDENTIFICATION TO HAVE THE SUSPECTED FRAUDULENT ACCOUNTS INVESTIGATED AND REMOVED IMMEDIATELY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-22 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: NAVY FEDERAL CREDIT UNION
State: MS

Complaint narrative:
I'm currently a victim of credit card fraud, cyber crime, and misuse of my checking and savings account. I noticed unauthorized transactions on my personal credit card in XX/XX/XXXX. 
I reported unauthorized transactions to Navy Federal Credit Union ... The bank refunded XXXX to my credit card but later debited my card back for this amount on XX/XX/XXXX. 
The bank stated that they do not prosecute individuals. I received a Case number from XXXX Police XXXX. who stated that they do not investigate crimes in other states. 

When these incidents took place, I was a resident in XXXX, TX. My credit card was used at XXXX XXXX XXXX, Address : XXXX XXXX, XXXX, TX XXXX. I had a total of XXXX unauthorized transactions at this location totaling 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  Also, a transaction from XXXX XXXX XXXX, Address : XXXX XXXX XXXX, XXXX XXXX, TN XXXX on XX/XX/XXXX -- -- -- -- XXXX. I spoke with XXXX at this company she stated this amount was a deposit on a truck for XXXX of her customers ( XXXX XXXX ). 
Third transaction on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Address : XXXX XXXX XXXX, XXXX, TX XXXX. 

All of these transactions my credit card number was manually keyed in the system. I have not lost my card or reported it as stolen. I sent fraud letters to all XXXX business but no response. 
Since these events, I received copies of all XXXX credit reports. I'm still seeing other transaction. For example, real estate where someone used by social security number. 

I have been trying to seek help with this matter since XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I received a letter from Bank of America dated XX/XX/2012 that my accounts are being closed based on information they obtained from a Consumer Report from XXXX XXXX XXXX XXXX. 

I disputed the matter with BofA, however after their investigation, my acounts were closed. 

I disputed the matter with XXXX XXXX XXXX on XXXX XXXX and received their response regarding information they reported on their consumer report dated XX/XX/2012. 

I filed a police report with XXXX Police Department, in XXXX California, USA of Identity Theft, report number XXXX and with the Federal Trade Commision , FTC Ref . No. XXXX dated XX/XX/2012. 

I was receiving California State Unemployment benefits that were being deposited to my accounts here and with XXXX XXXX XXXX XXXX. 

I filed a complaint with CFPB against XXXX XXXX XXXX XXXX speratley.

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 2023-07-22 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
synchrony bank is the owner of care credit, car credit and XXXX when I make a payment and want to cancel it and change the amount but still have the amount due on time, it won't allow me to. I have to call the card and if I dont ' have time i have to find time. 
also there website is not secure and shakes so when making payments its difficult to click on to the correct date as it moves.

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 2023-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
Citizens Bank in XXXX OH XXXX XXXX XXXX XXXX Recently started account with Citizens Bank in XX/XX/2023. Few Weeks later previously requested for account to not be closed because I had a tax return being direct deposited into this account. When my money was deposited on XX/XX/2023 I was able to use some of my funds via phone. The next day when I went to nearest branch to withdraw money they closed my account and put it in review for some apparent reason. Its frustrating because I been waiting for weeks now, behind on payments promised to be met and I believe Im still in review currently. I started this account to access funds for a vehicle for my transportation and to help start a family business in the summer. Also was going to pay a couple bills I was behind on including rent, lights and insurance. My children just recently had birthday activities cancelled due to insufficient funds caused by this action. Also school is next month and I would like to start purchasing supplies needed for me and my family soon asking for immediate assistance please and thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22 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: PA

Complaint narrative:
I recently applied for credit and upon a pull of my consumer credit report was denied due to a charge off which is listed in error. XXXXXXXX XXXX  a former creditor of mine continues to report an old account on my report despite the account being written off as bad debt. Since the count is written off as a loss it counts as a write-off for the bank and as ordinary income for me ; however, the bank has not provided me with a form 1099C so that I may file taxes against this additional income. Instead that continue to report the account as charged off on a monthly basis ( which is inaccurate as well because it was only charged off one time and therefore should only be reported once ) they also report it as having a past due balance which is all inaccurate because the balance should be XXXX since they have forfeited their right to collect the debt as a charge off. Given the above, this item should be deleted from my report as it is inaccurate. I have made attempts to request a 1099C from the bank and have not gotten a response ; however, the fact still remains that with or without that form this entire item is inaccurate for the reasons stated above. Deletion from the three major credit bureaus is hereby requested.

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 2023-07-22 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: PA

Complaint narrative:
I recently applied for credit and upon a pull of my consumer credit report was denied due to a charge off which is listed in error. XXXXXXXX XXXX a former creditor of mine continues to report an old account on my report despite the account being written off as bad debt. Since the count is written off as a loss it counts as a write-off for the bank and as ordinary income for me ; however, the bank has not provided me with a form 1099C so that I may file taxes against this additional income. Instead that continue to report the account as charged off on a monthly basis ( which is inaccurate as well because it was only charged off one time and therefore should only be reported once ) they also report it as having a past due balance which is all inaccurate because the balance should be XXXX since they have forfeited their right to collect the debt as a charge off. Given the above, this item should be deleted from my report as it is inaccurate. I have made attempts to request a 1099C from the bank and have not gotten a response ; however, the fact still remains that with or without that form this entire item is inaccurate for the reasons stated above. Deletion from the three major credit bureaus is hereby requested.

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 2023-07-22 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I recently applied for credit and upon a pull of my consumer credit report was denied due to a charge off which is listed in error. XXXX XXXX  a former creditor of mine continues to report an old account on my report despite the account being written off as bad debt. Since the count is written off as a loss it counts as a write-off for the bank and as ordinary income for me ; however, the bank has not provided me with a form 1099C so that I may file taxes against this additional income. Instead that continue to report the account as charged off on a monthly basis ( which is inaccurate as well because it was only charged off XXXX  time and therefore should only be reported once ) they also report it as having a past due balance which is all inaccurate because the balance should be XXXX since they have forfeited their right to collect the debt as a charge off. Given the above, this item should be deleted from my report as it is inaccurate. I have made attempts to request a 1099C from the bank and have not gotten a response ; however, the fact still remains that with or without that form this entire item is inaccurate for the reasons stated above. Deletion from the three major credit bureaus is hereby requested.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-22 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: EQUIFAX, INC.
State: IN

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 Account number : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-22 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: IN

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 Account number : 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 2023-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
On XX/XX/2023 I try to depocit {$1800.00} the ATM only read {$800.00} with out asking took the money and depocit with XXXX problem it was {$1800.00} XXXX contact the phone number is on the recieved and they tell me I have to get in touch directly with the bank When I did that they did depocit {$1000.00} but in XXXX  days o so they took it away and it being doing this for 5 month

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22 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: TX

Complaint narrative:
1 reviewed my Consumer Reports and noticed that there was an inaccurate accounts ) on my credit report ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. 
I contacted " THE COMPANY '' and asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me. 
This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof.

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 2023-07-22 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: PNC Bank N.A.
State: WV

Complaint narrative:
I was told ( and call was " recorded for quality and training purposes " ) when calling to make payment for XXXX that I didn't owe anything because I had paid ahead on the loan. Both automated and actual person owed {$00.00} for XX/XX/2023. I then found I was reported as delinquent for XXXX to credit agencies. I paid the {$17000.00} loan off in full in XXXX. But still shows I was delinquent in XXXX. I was not. Have had numerous calls, so many I have lost count, and also emails go completely unanswered.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22 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: NV

Complaint narrative:
Account name : XXXX XXXX XXXX XXXX XXXX  Account number : XXXX Dates associated with Item being disputed : XX/XX/2023 by Experian

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 2023-07-22 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: Chime Financial Inc
State: CA

Complaint narrative:
Money is being held with out my permission. Causing me to have pain and suffering for me and my daughter. Horrible customer service and rude employees lie about the policy and does not follow it. I am having a horrible experience with chime and it needs to be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/2023 I received an email from Bank of America stating they needed an additional {$45.00} to process the property valuation. ( See attached ) I immediately went to the Post Office to mail the {$45.00}. When I arrived at the Post Office there was XXXX person working and about XXXX people in front of me. I stood in line for XXXX hours and paid about {$30.00} to sent it priority mail. 

After I left the Post Office and a few days later I saw an email from Bank of America stating Great News no additional fee is needed and they would honor the previously letter. 

Its a Friday afternoon why didnt XXXX from Bank of America XXXX out and call me to say the {$45.00} is not needed. That way I wouldnt have to stand in line for XXXX hours at that XXXX XXXX. Terrible customer service. 

On Friday XX/XX/2023 after being told Bank of America would honor that original letter. On the same day XX/XX/2023 I received another letter from Bank of America with a new undisclosed rule stating it could take 21 days. 

At this point Bank of America is just making up and changing the rules as they go along. Why? This is Unethical and a bad business practice. 

This is a low risk loan. The house across the street sold XXXX for {$530000.00}. The house next to me sold for {$540000.00}. The house behind me sold in XXXX for {$530000.00}. My mortgage balance is less than {$250000.00}. Which means the equity is 60 %. Making this a low risk transaction. 

Most banks process these low risks transactions without sending anyone out. 
There is No requirement for PMI removal that someone has to come out. Banks routinely use another product for these low risks transactions. 

Why is Bank of America taking 21 days to process removing PMI? First it was as XXXX days, now XXXX? Why is Bank of America processing PMI deletion like a home purchase or refi loan?

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