vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-14 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: DISCOVER BANK
State: NJ

Complaint narrative:
I Spoke to a customer service rep with Discover personal Loans at XXXX XXXX on XX/XX/23 and I was notified that I was pre approved for a personal loan in the amount of {$25000.00}. I asked the customer service rep to confirm a number of times before proceeding with the loan if my credit was pre approved, as I did not want to risk being denied and my credit being adversely affected. I was assured by the customer service rep a number of times that unless in the unlikely event that there were any changes to my credit between the soft pull and the subsequent hard pull, that my credit was pre approved. In addition, I was asked what documents I would need to provide in the verification process for the final loan disbursement, and I was told none. I was led to believe that the hard pull was only a formality. I agreed to proceed only to be notified that there is a long list of documents needed in order to proceed. I complied with all requests and was later notified that my request had been denied due to the fact that they were " UNABLE TO VERIFY CREDIT/APPLICATION INFORMATION ''. In addition an a later phone call with a XXXX named XXXX at approximately XXXX XXXX, I was notified that I had never been pre approved, I had only been given a hypothetical rate should I have been later approved. 

The main issue of my complaint is that Discover personal loans in their Deceptive marketing, as well as over the phone from their customer service XXXX led me to believe that I was pre-approved so that I would apply for a loan. I had no prior relationship with Discover, I therefore would not have applied blindly were it not for them assuring me that I was pre-approved. It is unjust that my credit score be negatively impacted by a hard pull that was conducted over false pretenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In XXXX of XXXX I filed an unemployment claim with the California EDD and subsequently received a debit card from Bank of America. On XX/XX/XXXX my remaining balance of {$3000.00} was withdrawn from my account. I, however, did not withdraw the money. I reported this to BofA and received a notification on XX/XX/XXXX that the research had been completed and they were denying my claim of fraudulent activity on my card. 
Since then I have made numerous phone calls to BofA and spoken to multiple people. The claim was reopened and is still being investigated. Today XX/XX/XXXX I called BofA again and spoke to XXXX from Nevada. He said my account should have been resolved already, so the next step was to file a complaint that would take an additional 45 days to resolve. He filed the complaint. 
It appears that BofA has absolutely no intention of resolving this issue! This is a lot of money, I'm still unemployed and this situation has created a significant hardship for me and my family. 
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 monetary relief
Consumer complaint received 2023-03-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NJ

Complaint narrative:
Hackers accessed the XXXX account that is part of my USAA account. Someone deposited {$240.00} into my account and immediately withdrew it. 

Shortly afterwards, XXXX removed {$500.00} and {$200.00} from my checking account and sent the payments to someone I do not know. I never authorized the payments. 

However, USAA has denied my claim. They say the problem is with XXXX not USAA. However, I only have XXXX through the USAA app, so I disagree. The sum is close to {$750.00}. It may be an insignificant sum to some people, but quite a large amount of money to us.

To say I was disappointed in USAA would be an understatement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 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 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. 

XXXX : XXXX, XXXX : XXXXXXXX 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, 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 2023-03-14 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I was looking over my credit report and found an address that appear to be incorrect. I've enclosed documentation providing proof of my current address, as instructed to do their website. To make the process of deletion easier, here is the address that I am currently seeing listed which I would like removed please : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX There should only be one address listed on my report, which is XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX also noticed that my name appears to be misspelled on my credit report. My name only has one correct spelling, and there should be no variations listed because my name has no variations. My photo ID is enclosed to show the correct spelling. Once again, in order to make the process of deletion easier, here are the incorrect spellings I see listed : XXXX. XXXX, XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX Once you have deleted the inaccuracies names and address from my credit report, please send me a copy of my updated report. 

Thank you XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SANTANDER HOLDINGS USA, INC.
State: NJ

Complaint narrative:
COMPLAINT My Checking Account at XXXX XXXX  was hacked on Friday, XXXX XXXX, XXXX. I called Customer Service ( XXXX ) that evening and received the message that the bank was closed and to call back during regular banking hours. It being the long XXXX XXXX 's Day weekend I went to the bank on Tuesday when it opened. 

In the meantime several fraudulent and unusual transactions occurred. I filed a report which they sent to the Fraud Dept. I followed up several times in XXXX and XXXX. 

In one phone conversation I asked why they did not catch the many fraudulent transactions that occurred. Their reply was " because they looked normal ''. A minimal amount of common sense will show they were very unusual compared to my normal activity. 

On XX/XX/XXXX, I spoke to a XXXX of Human Resources ( XXXX ) She informed me that based on their records the withdrawal of {$700.00} on XXXX XXXX was done by me. I told her that NONE of the several fraudulent transactions that occurred was done by me. She told me there was nothing else she could do. 

RESOLUTION XXXX XXXX  should reimburse me my loss of {$700.00} for the following reasons : The bank failed to to protect my money because it does not have a 24/7 surveillance of bank accounts and they do not have a 24-hour hotline. 

Several unusual and fraudulent transactions occurred during this period which they were not aware of because the bank was closed during the long XXXX XXXXXXXX XXXX  Day weekend.

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 2023-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Transunion ignored the first correspondence that I sent which was the Power of Attorney and Affidavit of Truth, this suffices as confirmation of IDENTITY and MAILING ADDRESS. I am sending these attachments again. They did not remove inaccurate addresses on my consumer report, they did not send me a mailed copy of my consumer report with the updated changes, as I directed them to do so.

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 2023-03-14 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Tower Loan of Mississippi, Inc.
State: LA

Complaint narrative:
My payments to this company is due on the XXXX. I get paid twice a month a pay with my last check, its just how my bills are set up. This particular company calls, harass monthly. Ive been talked to ugly. I said I dont like the fact I used the company for this reason and the employee answered well we dont like you either.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
Capital One Card Services still shows that I owe them {$5000.00}. 
This reached the statute of limitations as this account was opened XXXX, XXXX. Capital one does not want to remove this from my credit report. This should have been removed in XXXX. Capital one is fraud and their practice is unacceptable. I hired XXXXXXXX XXXX to dispute this from Capital One however its still showing on XXXX, XXXX, and XXXX. Please help me!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Allied Collection Services, Inc. (Nevada)
State: NV

Complaint narrative:
MY DAUGHTER ( XXXX XXXX ) WAS XXXX  IN XXXX AND A BAIL COMPANY PROMISSED IF I PAID THEM BAIL THAT NIGHT THE A XXXX XXXX COURT SHE HAD AN APPEARANCE SCHEDULED FOR THE NEXT DAY WOULD NOT BE NOTIFIED AS SHE WAS TO RECIEVE AN OFFER TO GET INTO A REHABILITATION PROGRAM SHE WAITED MONTHS FOR AND THEY WOULD PAY FOR IT. 
THE XXXX XXXX RELEASED HER ON BOND AND THE NEXT DAY IN XXXX XXXX NV. THE COURT NOTED HER NEW PENDING CHARGES. BUT AFTER WE BOTH MADE PAYMENTS TO XXXX XXXX, .... COVID HIT AND EVERYTHING SHUT DOWN. XXXX XXXX THEN HAD A DIFFICULT PREGNANT AND LOST XXXX OF XXXX XXXX  AT BIRTH. SHE MOVED AWAY AND I ( XXXX XXXX HAD A XXXX XXXX AND LOST INCOME AND WAS UNABLE TO HAVE ACCESS TO ANYTHING DURING XXXX I MOVED ) WHEN SUDDENLY A FEW DAYS BEFORE XXXX I GOT A CALL THAT WAS SHOWN AS SPAM. BUT I ANSWERED AND THEY SAID IT WAS A COLLECTION.. I ASKED WHOM AND THEY SAID A BAIL COMPANY DEBT FOR {$5200.00}. I ASKED THEM TO SEND INFORMATION. THEY SAID THE DEBT WAS GOING UP DAILY FOR INTEREST AND THEY WOULD CALL BACK IN 30 DAYS ... THEY NEVER GAVE ANY VERIFICATION OF THE DEBT AND NEVER CALLED OR GAVE FURTHER NOTICE OR AN ACCOUNT NUMBER OR ADDRESS ... THEN IN XXXX I HAD RECIEVED A CALL AND STATED I HAD COVID AND PLEASE CONFIRM INFORMATION THAT WE MAY ATTEMPT TO HANDLE THE DEBT. HE HUNG UP WHILE ON HOLD. I HAD NO CONTACT PERSON OR ADDRESS OR ANYTING... ..I WENT TO THE BOND COMPANY AND THEY HAD NO MORE RECORDS AND I PROVIDED A MONEY ORDER IN XXXX AND XXXX AND THEY CALLED ME TO TELL ME ALL RECORDS WERE GONE. I FINALLY GOT A NOTICE FROM MY CREDIT WATCH TELLING ME A DEBT IS OWED AND AMOUNT SEEMS TO VARY AND FINALLY A PHONE NUMBER... PLEASE HELP

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 2023-03-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I've filed a dispute on several occasions with all three credit bureaus regarding my loan being paid in full over the last 2 months and my credit report still has not been corrected. XXXX is the loan servicer and it needs to be reported to all 3 credit bureaus immediately and this issued resolved as soon as possible.

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 2023-03-14 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: NC

Complaint narrative:
I've filed a dispute on several occasions with all three credit bureaus regarding my loan being paid in full over the last 2 months and my credit report still has not been corrected. XXXX is the loan servicer and it needs to be reported to all 3 credit bureaus immediately and this issued resolved as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I received a copy of my credit report and found unauthorized inquiries on 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 explanation
Consumer complaint received 2023-03-14 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: EQUIFAX, INC.
State: MA

Complaint narrative:
Remove all inaccurate, erroneous, unverifiable information. I will be as clear as possible so there is no further misunderstanding. The corrections should be as follows : XXXX XXXX XXXX ( and all variations of this account ) - Never did business with this company ; reporting a charge off with a balance ; delete immediately XXXX XXXX XXXX XXXX XXXX and all variations of this account ) - Reporting a charge off with a balance ; delete immediately XXXX XXXX XXXX XXXX and all variations of this account ) - Reporting a charge off with a balance ; delete immediately XXXX XXXX XXXX ( and all variations of this account ) - Reporting a charge off with a balance ; delete immediately XXXX XXXX XXXX ( and all variations of this account ) - Never did business with this company ; reporting a charge off with a balance ; delete immediately XXXX XXXX XXXX XXXX and all variations of this account ) - Reporting a charge off with a balance ; delete immediately XXXX XXXX XXXX XXXX and all variations of this account ) - Never did business with this company ; balance is lower than high balance ; delete immediately XXXX XXXX XXXX XXXX XXXX ( and all variations of this account ) - last payment made states XX/XX/2013 ; it is almost 10 years later ; delete immediately XXXX XXXX XXXX  ( and all variations of this account ) - Reporting charge off with a balance ; delete immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Remove all inaccurate, erroneous, unverifiable information. I will be as clear as possible so there is no further misunderstanding. The corrections should be as follows : XXXX XXXX XXXX ( and all variations of this account ) - Never did business with this company ; reporting a charge off with a balance ; delete immediately XXXX XXXX XXXX XXXX XXXX and all variations of this account ) - Reporting a charge off with a balance ; delete immediately XXXX XXXX  XXXX XXXX and all variations of this account ) - Reporting a charge off with a balance ; delete immediately XXXX XXXX XXXX ( and all variations of this account ) - Reporting a charge off with a balance ; delete immediately XXXX XXXX XXXX ( and all variations of this account ) - Never did business with this company ; reporting a charge off with a balance ; delete immediately XXXX XXXX XXXX XXXX and all variations of this account ) - Reporting a charge off with a balance ; delete immediately XXXX XXXX XXXX ( and all variations of this account ) - Never did business with this company ; balance is lower than high balance ; delete immediately XXXX XXXX XXXX XXXX XXXX ( and all variations of this account ) - last payment made states XX/XX/2013 ; it is almost 10 years later ; delete immediately XXXX XXXX XXXX ( and all variations of this account ) - Reporting charge off with a balance ; delete immediately

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 2023-03-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I purchased XXXX worth of items from XXXX XXXX XXXX using my Chase debit card, the order was marked as delivered by XXXX , but I never received it. I contacted XXXX XXXX XXXX and they advised me that due to the order size, I would need to file a claim with chase bank. I filed a claim with chase bank and filed a police report. Chase denied my claim, and I went to a branch to fax them documents showing that I had never received the order, but the transaction is still posted on my account and the claim is still denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 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: CADENCE BANK
State: TX

Complaint narrative:
In accordance with the fair credit reporting act XXXX Account # XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
WE ARE VICTIM 'S OF CHECK WHITEWASHING. MY MOTHER WHO IS XXXX XXXX XXXX AND BESIDES HERSELF OVER THIS ORDEAL, WROTE OUT XXXX CHECKS - # XXXX AND # XXXX - FROM CHECKING ACCOUNT # XXXX - MAILED IN THE SAME ENVELOPE. MY NAME WAS ALSO LISTED AS ACCOUNT HOLDER ON THIS NOW CLOSED ACCOUNT. SOMEHOW THIS ENVELOPE WAS INTERCEPTED AND IT WAS REALIZED ON XX/XX/XXXX, FROM REVIEWING THE BANK STATEMENT THAT CHECK # XXXX WAS FRAUDULENTLY CHANGED TO A DIFFERENT NAME OTHER, NAMELY : XXXX XXXX AND CASHED IT IN THE CHANGED AMOUNT OF {$6800.00}. IT WAS ORIGINALLY MADE OUT TO " XXXX XXXX '' IN THE AMOUNT OF {$80.00} AS A DONATION TO HER PARISH. WE PUT A STOP PAYMENT ON THE SECOND CHECK BUT APPARENTLY, IT TOO WAS WHITEWASHED AND THERE WAS AN ATTEMPT MADE TO PAY OFF SOMEONE'S PARKING TICKET. 

ON XX/XX/XXXX, I CONTACTED CITIZENS BANK AND SPOKE TO XXXX XXXX TO INFORM HER AS TO DETAILS OF WHAT TRANSPIRED. SHE SAID SHE WOULD GET BACK TO ME ON IT. SINCE THEN, WE HAVE WRITTEN TO THE BANK, SPOKE TO SEVERAL EMPLOYEES AND FOLLOWED ALL OF THE BANK 'S REQUEST AND WAITED FOR RESOLUTION WE SEEK WHICH THEY ASSURED US OF. THEY BEGAN CHARGING FEES ANDD PENALTIES FOR OVERDRAWN CHECKING ACCOUNT, FOR WHICH WE LATER- WITH HAVING TO SPEND TIME AND ENERGY DEALING WITH NUMEROUS BANKING PERSONNEL - MANAGED TO GET REIMBURSED. THE LAST LETTER SAID THEY WOULD LOOK INTO AS IT USUALLY TAKES 6-8 WEEKS TO FOR A CLAIM TO BE RESOLVED, AND AS WE ARE APPROACHING ONE YEAR, WE STILL HAVEN'T HEARD BACK WITH A RESOLUTION SINCE ; THEY'VE ONLY PASSED THE BUCK ONTO XXXX XXXX XXXX AND WE HAVE NOT HEARD FROM THEM SINCE XX/XX/XXXX IN A LETTER RESPONDING TO MY XXXX COMPLAINT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Express Collections, Inc.
State: TX

Complaint narrative:
This company contacted me about an debt owed since 2018. They asked if the information they gave was correct and I said no, that's not my social security number. I asked them to stop contacting me and they placed an collections account on my credit and the information doesn't match. Only the names and birthday match but social is completely wrong. Not even close in numbers.

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