vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am a consumer as defined under 15 usc 1602 ( i ) and " On XX/XX/2023, I applied online for a line of credit. XXXX which is issued by Wells Fargo , N.A., pursuant to a license from XXXX XXXX immediately denied an extension of my credit. This is XXXX violation of ECOA/Regulation B, by denying me and further discouraging me from applying for an extension of my credit. '' In good faith Without Prejudice By : 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 2023-11-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: HUNTINGTON NATIONAL BANK, THE
State: NJ

Complaint narrative:
On XX/XX/XXXX I processed a balance transfer for XXXX. The fee for the balance transfer was {$200.00}. On XX/XX/XXXX, even though the balance transfer still had not completed, I made a payment of {$400.00} to Huntington. On XX/XX/XXXX, when the balance transfer still was not complete, I asked to have it cancelled. I was assured that all funds and fees would be reversed. On XX/XX/XXXX the balance transfer and the fees were refunded leaving a balance of negative XXXX. On XX/XX/XXXX, it appears the {$400.00} was refunded, I have not yet received the funds back, but Huntington charged me a {$27.00} + {$1.00} a late fee for nonpayment that was due on XXXX. The reversal apparently nullified my XX/XX/XXXX payment. However, there was essentially nothing ever charged on this card, so why is their a late fee. I'm being told by XXXX XXXX that the only way to resolve this issue it to pay Huntington the {$28.00} and then they would refund it even though they recognize that this was an error on Huntington 's end.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-24 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: ME

Complaint narrative:
I have a {$500.00} prepaid Amex that can't be used anywhere despite there ads that it can be used anywhere Amex is accepted.The website for Amex shows the full available balance but it continues to be declined for amounts well below the balance. I called customer service, and it is a recording for declined online transactions to try another site that uses the cvv then it disconnects. I tried multiple sites with the cvv and still declined. I finally spoke to a representative after multiple calls and multiple attempts to find what button would get me an actual person, and they gave scripted responses that were same as recordings. I asked if it is because the zip code and they said if the site requires that it could be the issue because they can't update that. She said they increased security and to try other sites and said that i could use XXXX pay since she showed it connected, so I tried XXXX XXXX  ... and it declined as well. A lot of good it does to have security against fraud, if I can't even access my funds! I've used prepaid cards on all of these sites before with no issues, but i can't use this Amex card at all. The customer service is clearly designed to do nothing so I stop calling. I feel scammed by Amex, I'm out money and time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24 00:00:00
Product: Credit reporting 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: NV

Complaint narrative:
I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.

Remove fraudulent accounts from my credit report.

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 2023-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Open Dealer Exchange, LLC
State: CA

Complaint narrative:
I have no knowledge of this stuff

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I applied for an IKEA Projekt Credit Card in XX/XX/XXXX  and it had a promotional offer for 0 % interest for 24 months On purchases of {$2500.00} or more made with your IKEA Projekt Credit Card. After that, purchase APR of 21.99 %. I purchased IKEA items for {$5700.00} on XX/XX/. It never said that the offer was valid for each purchase. Normally, when credit card companies offer 0 % interest for 24 months, it will be for any number of purchase in 24 months. But for Ikea Credit card the offer was valid only for each purchase. The advertisement itself was misleading. I came to know about it when I was charged interest on purchase. When I called they said I purchased an item for {$320.00} on XX/XX/XXXX  and {$43.00} on XX/XX/XXXX  and that is not counted under the promotion. I made another purchase on XX/XX/XXXX  for {$750.00} and it came under a different promotion. These are all under IKEA credit card. In the monthly statement, there is no minimum balance payment for each promotional offers. The minimum balance is for the entire credit card. If they have different promotions, each promotion should have separate minimum balance and principal balance and there should be a way to pay off each promotional balances and regular balances. Since these promotions are different from conventional credit card promotions, I strongly believe they should have mentioned about the number of purchases and the repayment model in their advertising.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I, XXXX XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. 

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed at :

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 2023-11-24 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Problem getting a working replacement card
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
XX/XX/2023 I established a MasterCard business account with Sam 's. The account was approved and {$360.00} of items were charged. XX/XX/2023. I had not received the bill from Sam 's nor a credit card. I reached out to Sam 's and they directed me to Synchrony Bank, which holds ownership of the account I contacted Synchrony they did not know the account. I held the line for three hours, trying to validate that this account did exist. I never received the bill or a credit card, finally, synchrony referred me to the fraud department. I was rerouted to customer service and informed that I needed to fax in something that validated our new address. I faxed in a letter from Georgia 's secretary of state validating my address, and phone numbers. I held the line for a total of three hours before reaching an American citizen who was helpful and reassured me a card would be issued. I had not received a bill or credit card by September. I again reached out to Synchrony who confirmed that they had received the letter from the Secretary of the State of Georgia and had our updated phone numbers. In XXXX, we received a bill from Synchrony and a letter stating the account had been adjusted, but no credit card. We contacted the company again to be held for over 3 hours discussing the matter. The company once again is asking us to validate our authenticity and resend information. When asked to speak to an American citizen the reps became hostile and hung up on us. We have met all requirements through the federal Customer Identification Program ( CIP ) and this bank has validated this by billing us as a customer. I do believe that this bank violates providing fair and equitable customer practice. This bank also should provide knowable service representatives who can comprehend and speak XXXX that is comparable to the levels of their overall service population. Prolonging this unsettled matter is causing harm to my credit/reputation as a business owner. Synchrony has received all information requested that validates my company 's authenticity and has billed us accordingly, Synchrony Bank has yet to release the credit card that was approved in XXXX of 2023 as of XXXX of 2023 but has billed us stating that they are unable to validate the authenticity of our company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX LOCATED XXXX XXXX XXXX XXXX, NJ XXXX CHARGED THE CONSUMER A DOWNPAYMENT IN CASH ( {$5000.00} ) AS WELL AS FINANCE CHARGE IN RELATION TO AN AUTO LOAN THE CONSUMER CREDIT CONTRACT IS REGULATED BY TILA VIOLATIONS- 15 USC 1638 ( a ) ( 2 ) ( a ) MISREPRESENTING THE AMOUNT FINANCED-IF THE BANK REQUIRED A DOWN PAYMENT IT SHOULD HAVE BEEN IN THE FINANCE CHARGE I CALLED THE BANK, AMERCAN HONDA FINANCIAL CORPORATION DBA HONDA FINANCIAL SERVCES AND ASKED IF THE BANK REQUIRED A DOWNPAYMENT THE ANSWER WAS NO HOWEVER XXXX XXXX XXXX STATED IT WAS REQUIRED SO IT WAS PAID 15 USC 1605 -FINANCE CHARGE DEFINITION 12 CFR 1026.4 ALSO STATES INSURANCE SHOULD BE INCLUDED b ( 8 ) IT WAS NOT INCLUDED. 15 USC 1662 ADVERTISING OF DOWNPAYMENTS AND INSTALLMENTS 12 CFR 1026.24 ( D ) FALSE AND MISLEADING STATEMENTS AND ADVERTISING WERE MADE TO THE CONSUMER USING TRIGGERING TERMS. AN INSTRUMENT FINANCED DEFINED IN 16 CFR 433.1 ( i ) THE CONSUMER IN THE CONSUMER CREDIT CONTRACT THE DEBTOR UNDER TILA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
I went to the XXXX XXXX dealership for an appointment but I got greeted by the front desk person and another sales agent but it wasnt with the sales I had an appointment with but from my understanding I signed up with credit program that already approved me or to help me get approved or with my low credit score.

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 2023-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Westlake Services, LLC
State: GA

Complaint narrative:
I went to the XXXX XXXX dealership for an appointment but I got greeted by the front desk person and another sales agent but it wasnt with the sales I had an appointment with but from my understanding I signed up with credit program that already approved me or to help me get approved or with my low credit score.

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 2023-11-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA

Complaint narrative:
On XX/XX/XXXX XXXX XXXXXXXX XXXX I attempted to deposit money in a Schools First Credit Union ATM at XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, California. The ATM took my cash. It was in the midst of counting it and stated I had {$290.00} at that point, and then it said transaction was incomplete. I called my financial institution ( XXXX XXXX XXXX ) on the first business day possible, which was XX/XX/, and they stated they were able to see a deposit attempted, but it didn't show any money whatsoever. They issued me a conditional credit, but said that would possibly be reversed. I am certain I deposited that cash, and I need that money to pay my bills.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
PayPal cash back XXXX rewards withheld due to online inaccessibility.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-24 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: NC

Complaint narrative:
I traded in my XXXX  Kia XXXX after 5 months of ownership due to me losing around 35 % of my battery life. The vehicle was traded on XX/XX/2023. I work at a Kia dealership so I was able to easily pull the payoff and when I submitted the payoff information, I forgot to turn off my autopay for the car payments. Their automated system said my vehicle was fully Paid off on XX/XX/2023 and on the XXXX of XXXX, Kia took out yet another car payment. I called them and they tried saying that my pay off went up. I asked them multiple time to explain to me how the payoff went up because I never missed a payment and the very first month I made an autopayment they took out 2 months worth of payments. So I was actually a month ahead. Their best explanation of why they took another payment out was because I never turned off my auto pay and even though the vehicle was 100 % paid off they said their system would still be taking out monthly payments until the lease maturity date. They then said they can process a refund for about half of what they took out since the " payoff went up ''. I asked what would have happened if I turned my auto payments off before they took out another payment and they said that they would have been short and would have sent an invoice to the dealership. However, since they already took another payment from me, they said they will just use that money to pay for the difference and refund me the rest. The Kia representatives I spoke with would not let me explain my concern and kept trying to shut me down so I could never get an actual explanation. I have attached a document sent from Kia showing a {$0.00} due balance for the month of XXXX, yet they still took out a payment. I also brought that up to their attention and they would not look into it at all. I think an attorney would classify this as unfair or deceptive acts of practice. ( 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 2023-11-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I have a credit account from TD Bank in my accounts which is not mine. I have been at the bank twice but they don't give me a solution. I don't know the number of the account or credit card because it is not mine but it appears on my balance sheets. It's an account from last year and I get my first account 3 month ago.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I have many accounts with incorrect information that is affecting me a lot with late payments and reported collections that may not be mine. 
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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Incorrect

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 2023-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

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 2023-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This is in Reference to the following : 1. XXXX XXXX : XXXX in XXXX 2 . Confirmation Number : XXXX 3. Case Number : XXXX Although my previous filed complaints with XXXX and XXXX were still OPEN, since they have already sent me a correspondence about the results of their reinvestigation, I need to make a secondary complaints today because I am very dissatisfied with the result of their investigation with the said Creditor, Their information don't jive with each other. It seems that they fail to communicate with one another resulting in various interpretations on this one single item that they have furnished on my credit file. 

I find it really unfair on my end because this is ruining my name and character as a consumer. My credit profile reflects my creditworthiness as a person and improper delivering of information may result in giving other creditors some negative perception by judging my credit capability.

Company response to consumer: Closed with non-monetary relief