vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: MO

Complaint narrative:
On XX/XX/2022 at US BANK branch location XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX I was subject to improperly manipulation in my debit card transactions in order to generate excess overdraft fee revenue. US BANK has been sued for this before in the past. I was rudely kicked out of the US Bank XXXX on XX/XX/2022 by bank XXXX XXXX XXXX ID # XXXX contact info direct line XXXX branch line XXXX fax XXXX E-mail XXXX. I was told by the XXXX and I quote " we close in XXXX minutes I don't have time for this you can leave. '' I was taken back after she said I was being rude for asking her to help figure this issue out. And she would not show me her screen and scroll past all the invalid charges not wanting answer my questions. She continued to humiliate me in front of staff and customers kicking me out not wanting to help due to them closing in XXXX minutes. I was mad and asked what I can do cancel the account and she canceled it with confirming it first and said goodbye its done. And when asked for proof I wasn't given any and was told I would get it to an old address I don't live at any more. I'm reaching out because I didn't receive my charges waived and they will now effect my credit and be sent to owe something that is truly mine. In the past a U.S. Bank 's settle a law XXXX XXXX the exact same reason that i had gone into the bank today. The lawsuits claim that U.S. Bank 's internal computer system re-sequenced the actual order of its customers ' debit card and ATM transactions, by posting them in highest-to-lowest dollar amount rather than in the actual order in which they were initiated by customers and authorized by the bank. According to the lawsuits, U.S. Bank 's practice resulted in its customers being charged substantially more in overdraft fees than if the debit card and ATM transactions had been posted in the order in which they were initiated and authorized.

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 2022-09-19 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: AL

Complaint narrative:
In accordance with Fair Credit Reporting Act XXXX Account # 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 an account without my written instructions

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 2022-09-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
Occupation : XXXX XXXX Account Type : Deposit/Savings Bank : Bank of America On XX/XX/2022 my cousin 's fiance called me stating that his account was put on hold by Bank of America because of the frequency in which he transfer money to my account. He had asked me to assist in getting monies to his fiance in XXXX because he isn't able to use the services of XXXX nor XXXX XXXX. Initially he used my XXXX XXXXXXXX XXXX ( USD $ savings account in XXXX ), International transfer, but the charges were excessive. I then proposed to him to send it to my BOA account and I will withdraw and pay over the equivalent in XXXX $ to her from my local account I still maintain in XXXX. 
On XX/XX/2022 I received a notification via BOA mobile App that my account was below the minimum limit I had set. I then checked my App and notice my balance was {$0.00} I immediately called XXXX provided for XXXX assistance. I was told that a note is on my account for me to contact the risk department. I contacted them via telephone. Upon checks made and verification of my account, I was told my account was closed and they aren't required to give me a reason and the balance in my account will be sent by cheque within 5-10 business days. 
I have limited number of payees in my account, namely : my mother and sister, both legal guardian of my XXXX XXXX daughter and both resides in XXXX, XXXX Also , my XXXX XXXX son 's mother who resides in XXXXXXXX XXXX 
All the above persons can be contact to verify my authenticity. As a valid customer for approximately five years with not even a traffic ticket on my record, I am very disappointed with the actions taken by Bank of America, one of the best financial institution in America without even doing any investigation. I am very certain this is a case on my nationality as a XXXX 
I'd appreciate a fair investigation of my case and the reinstatement of 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 monetary relief
Consumer complaint received 2022-09-19 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: Bread Financial Holdings, Inc.
State: WI

Complaint narrative:
I Have a hard inquiry on my report from a company I did not apply for.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-19 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: WI

Complaint narrative:
I Have a hard inquiry on my report from a company I did not apply for.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Blakely-Witt and Associates, Inc.
State: TX

Complaint narrative:
My name should have been fully removed from the lease prior to any sort of issues. Someone else had resided their that should have been added to the lease in place of me. The office never updated this information and I lived nowhere near this property at the time of past due payments and eviction. The office also never contacted me to inform me I was indeed on a the lease and there were past due payments or chance of eviction. I had no mail sent, phone calls, or emails from the company until the information was sent to a collections agency. I have disputed this several times with no results. This is not my debt to pay. The new tenant on the lease should be fully responsible along with the other lease tenant. Im extremely shocked that this is even happening. If someone had notified me prior to an eviction and told me I was on the lease and that money was owed I could have settled these issues before they escalated to this level. But no communication from them was ever made. Now that its at the collections agency I see the apartment complex is no longer in business. I have no way of getting ahold of anyone. It feels like a complete scam and now I have an eviction and debt that is not rightfully mine to bear.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 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: DE

Complaint narrative:
I DEMAND THAT YOU REMOVE THE ACCOUNTS AND INQUIRIES LISTED BELOW PURSUANT TO 15 USC 1681B ( a ) ( 2 ) WHICH COMPREHENSIVELY STATES THAT THE ONLY PERMISSIBLE PURPOSE OF CONSUMERREPORTS BY ANY CONSUMER REPORTING AGENCY MAY FURNISH A CONSUMER REPORT ONLY UNDER THE FOLLOWING CIRCUMSTANCES AND NO OTHER IN ACCORDANCE WITH THE WRITTENINSTRUCTIONS OF THE CONSUMER TO WHOM IT RELATES ; IF ALL THE ACCOUNTS LLISTED BELOWARENT REMOVED AS STATED IN 15 USC 1681i ) ( 1 ) ( A ), I WILL SEEK REMEDY UNDER 15 USC 1681n ( a ) ( 1 ) ( A ) ( B ) ( 2 ) ( 3 ) CIVIL LIABILITY FOR WILLFUL NON COMPLIANCE : 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 explanation
Consumer complaint received 2022-09-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am reaching out today regarding my Capital One 360 checking account. I opened an account with Capital One in XXXX and it has been horrible every since. Capital One allowed somebody to open a checking account in my name fraudulently and I found out about it a year ago. It took yall 1 year to investigate and do nothing. I called a year later and the issue was still not resolved. Mysteriously when I called it was able to get fixed over the phone within 48 hours. I opened my own personal checking account and they continue to keep putting somebody else 's dob on my account locking me out of online access. I don't need to stress how difficult it is to manage your bank account without being able to see into your account. I have called multiple times regarding this situation and it was able to be fixed after I was locked out for 30 days. I then took a nap on XX/XX/22 and woke up to being locked out again I then called on XX/XX/22 to be told once again they have updated my information to the fraudulent person 's information again. Now I can only imagine how many laws are being broken by updating somebody else information onto my account, however, nobody seems to care as it continues to happen and they advise they don't have a permanent solution for them not to put fraudulent information on my account. How do I know you are not placing my information on somebody else account? Also, I keep getting told it will be XXXX business days before I gain access to my account. I don't understand why I keep getting locked out of my account it is not my fault and I have to keep waiting 15-30 days to gain access for XXXX days to be locked out again and start the process all over again. This is completely unacceptable and illegal to allow somebody to open an account in my name and not have them verify any information and to keep placing somebody else information on my account. I have provided all the information they have requested, debit card numbers, credit card numbers, sent in my driver license number, gave them my full social and they still will not provide me access. Now had they only taken this much determination when they allowed somebody else to open an account in my name I wouldn't be in this position.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 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: ID Analytics, Inc.
State: UT

Complaint narrative:
XXXX XXXX IS REPORTING FRAUDULENT BANK ACCOUNTS AND FRAUDULENT INQUIRIES ON MY XXXX CONSUMER REPORT, DAMAGING MY NAME AND CREDIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I've sent necessary documentation to both bureaus providing my correct address & ID proving the address on file is incorrect or used by someone who has a similar name. I haven't received any response from the bureau by mail, email or to my fax number. I would like them to remove all incorrect accounts and/or information tied to any false address that is not mine. I have provided documentation since XX/XX/2022 several times and can yet to have anyone correct my credit file

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 2022-09-19 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: TX

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX TransUnion TransUnion Consumer Relations XXXX XXXX XXXX XXXX, PA XXXX RE : Social Security Number : XXXX Account # XXXX Account # XXXX To Whom It May Concern : This letter is in response to your recent claim that XXXX XXXXXXXX XXXX, has verified that the account they are reporting under my name is accurate. 

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response, or e-oscar verification is unacceptable. I am requesting a re-investigation AND your method of verification. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX XXXX : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

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 2022-09-19 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian is reporting a fraudulent account from XXXX XXXX on my credit report account number XXXX7 & XXXX XXXX XXXXXXXX account number XXXX. I notified them and filled out the report letting them know these are a result of identity theft it was blocked from my credit report then place back on from the company and Experian refuses to dispute or block this information they are saying they receive documents from the company I ask for the documents they will not provide it to me And one representative told me they have not received any documentation they are just taking them word of mouth theres no documentation because I was in jail at the time these accounts were open so Im filing a complaint because I need the fair credit reporting act youre only supposed to report 100 % accurate information this is identity theft So the information is not accurate .they told me since It was already disputed they cant dispute it anymore and thats a violation of the fair credit reporting act because if an account is fraud youre supposed to investigate re-investigate or if I have the documentation you are supposed to block this account from my credit report I am requesting these accounts be blocked from my credit report pursuant to section 605B 15 US C 1681C-2 Of the fair credit reporting act

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 2022-09-19 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: ATG Credit, LLC
State: WI

Complaint narrative:
My information was used improperly. I did not give permission for these companies to use my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: VALLEY NATIONAL BANCORP
State: NJ

Complaint narrative:
I deposited a check on Saturday, XX/XX/2022. On XX/XX/XXXX, I checked the account online and the check cleared, everything looked normal. I tithed on the check using XXXX. The next day, XX/XX/XXXX, my debit card was denied at the supermarket. 
When I spoke with XXXX at the bank, she asked what the check was that I deposited, I asked to speak with the Manager. After I arrived home by bus, I called and spoke with the Manager, who disparaged the check, saying it looked fake, and questioning the city in Maine where it originated, he insisted I received a voicemail message on XXXX  XX/XX/XXXX, but I didn't. 
XX/XX/XXXX, I spoke in person to another bank Manager who called the Manager of the first bank, he asked if I was expecting the check and if I knew the amount, I affirmed both. He told me it could take 10 days to clear the check. 
XXXX  XX/XX/XXXX, I went in person to the first bank and showed the Manager the check stub which he made a copy of. He stated he would contact the fraud dept and my account would be open by XXXX  the XXXX, he took my phone number and said he'd call me on XXXX. No call came. 
XXXX  XX/XX/XXXX, I called customer service, who said they would transfer me to another dept, then didn't, saying I had to speak with the bank. Later I left message with the bank Manager who returned my call saying he would contact the fraud dept. and give an answer to me by XXXX XXXX  that day. He called and said my account was not opened and he disparaged the check again that it has misspellings on it. I stated I do not have a copy of the check.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I've sent necessary documentation to both bureaus providing my correct address & ID proving the address on file is incorrect or used by someone who has a similar name. I haven't received any response from the bureau by mail, email or to my fax number. I would like them to remove all incorrect accounts and/or information tied to any false address that is not mine. I have provided documentation since XX/XX/2022 several times and can yet to have anyone correct my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 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: CA

Complaint narrative:
Hello and god bless. I am filing a complaint because Equifax keeps dropping my credit score for no reason I pay my bills on time. They report inaccurate items on credit report that I have no knowledge about every since I been calling them about these inaccurate items my credit score dropped tremendous can someone please help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: AC AutoPay LLC, Denver, CO Branch
State: TX

Complaint narrative:
On Tuesday XX/XX/XXXX I applied with XXXX for a Lease buyout of my current vehicle. I was presented with 4 offers from different loan servicing companies. One of which was Autopay. Autopay showed the lowest rate upfront among their competition and upon further review of their offers there was an even better rate at a different term. The rates ranged as follows : Lease Buy Out Offer From : AUTOPAY Maximum Amount {$33000.00} APR 3.49 % Months* 24 Maximum Payment* {$1500.00} ADDITIONAL LOAN OPTIONS FROM AUTOPAY 3.49 % @ 36 months {$1000.00} 2.99 % @ 54 months {$710.00} 2.99 % @ 66 months {$590.00} Additional Stipulations, Terms and Conditions Check for year, make and model restrictions Check for mileage and loan-to-value restrictions Valid drivers license Proof of insurance Proof of residence Proof of income On Tuesday XX/XX/XXXX I was contact by Autopay to collect additional information to finalize the loan process. That included confirmation of the information provided during the original application and reviewing to confirm the vehicle details. 

On Thursday XX/XX/XXXX I was contacted by XXXX XXXX at Autpay. She confirmed my details and shared that I had been approved. She confirmed my credit was fantastic and income was well above what was needed. She shared with me that their preferred bank XXXX, I believe, came back at a rate of 5.3 %. That is > a 200 basis point increase from the original offer in a mere 72 hours. 

I shared my displeasure with XXXX at that time and told her this was unacceptable. I then contacted XXXX to share this incident with them. I spoke with them on Friday XX/XX/XXXX. They asked for a 48 hours to try and reach out to Autopay to understand what was going on. 

XXXX as manger from Autopay contacted me on XX/XX/19 as I informed them I was unsatisfied with their tactics and wanted to get them an opportunity to resolve before I submitted a CFPB complain. He reviewed my file and acknowledged that I have a near perfect credit score and they vehicle value far exceeds the requested loan amount. He confirmed that per the terms and conditions there was nothing that changed to rationalize a > 200BP rate change in 72 hours. He openly acknowledge that they advertise rates that may not be able to be honored. this is a blatant bait and switch tactic. They showed a lower rate than their competition with no intention to honor that rate. He simply stated that they are at the liberty of their lenders and that is what the final rate came back at.

I have additional email documentation on the dates if necessary. Also all calls were on a recoded line by Autopay. If you were to ask for the call logs you will hear for yourselves the same things I heard.

Company response to consumer: Closed with explanation