vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-01 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Prosper Marketplace, Inc.
State: RI

Complaint narrative:
I applied for {$30000.00} unsecured personal loan with prosper on Sunday and was told on Monday that I was approved and was just waiting for funding by one of their agents. Later that evening at about XXXXXXXX XXXX  I received an adverse action notice from the company, stating they could not provide me with financing, because of a technical error on their behalf, and nothing to do with me. I dont called the company the next day to follow up to have the issue rectified. I have worked with multiple agents and supervisors to correct the issue. I pre-submitted my application multiple times, and it keeps coming back with the same excuse technical issue and again it has nothing to do with me personally however, its still denying my application for no fault of my own. I feel that I am being treated unfairly and discriminated against at this point in time, because they can not provide me with any reason why my application would be denied on my end. I keep getting different answers from different people, but nobody will take responsibility for it and its made no progress.

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 2023-03-01 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: FL

Complaint narrative:
In response to my previous complaint Transunion advised that they have updated dispute account info, but nothing has actually changed. Therefore, please re-investigate and delete ( not update ) the following accounts as the last payments on these accounts were made more than 7 years ago : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-03-01 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: Block, Inc.
State: GA

Complaint narrative:
I file disputes with cash app back on XX/XX/XXXX where someone stole my cash app card my house key my driver license my ssn card and my bank card and also I reported on XX/XX/XXXX my truck was broken into and my phone was stolen with some more information my truck was XXXX XXXX and money is being taking from my account and cash app is avoiding me by denying these unauthorized transaction I reported I have the transaction in my transaction history with cash app from XXXX {$16.00} {$45.00} and many more its like 7 transaction that was taking from my cash app I reported then soon as they start coming in after my family and XXXX  was sending me money thru cash app and cash app is denying these disputes the transaction for {$18.00} I do not know where this location is at

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI

Complaint narrative:
XX/XX/XXXX second mortgage started with XXXX XXXX XXXX XXXX subsidiary of XXXX XXXXXXXX XXXX XXXX XXXX for the amount of {$34000.00}. XX/XX/XXXX I filed a Chapter 13 Bankruptcy, It was XXXX XX/XX/XXXX. I have tried to reach above mentioned and they are out of business, My house has been sold and is closing XX/XX/XXXX. I have reached out to Bank of America as information found is they have the loan. I have not received any notifications of Second mortgage payment throughout this time, nor any notifications of the mortgage being sold and so fourth. I am seeking payout and company that needs to be paid. Bank of America has been negligent in updating Title, prviding information for payment or payout.

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 2023-03-01 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: TOYOTA MOTOR CREDIT CORPORATION
State: MA

Complaint narrative:
I have submitted two complaints and responses regarding this account, they have only removed some not all late payments as requested. They are still currently reporting incorrect information and this is negativley affecting my report. They are violating my rights and FCRA. I have submitted a complaint with the Attorney General as well. They have removed some late payments that were inaccuratley reported and have acknowledged reporting innacurately. However they still refuse to remove all the payments as requested and comply with FCRA. They have edited their reporting and state they are reporting within the guidlines. They knowingly and willingly reported false information and have made edits after seeing dates not match up on the 3 bureaus but have not removed all late payments as I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: PENTAGON FEDERAL CREDIT UNION
State: IL

Complaint narrative:
Hello on XX/XX/XXXX I applied for a credit card with a 0 % balance transfer. Never on the website was i told there was a delay in receiving my card. i did not receive my card until XX/XX/23. During this time Penfed Credit Union would not send out my balance transfer requests as they will not until i physically receive the card and activate it. Since XX/XX/23 I have received XXXX credit cards with the same exact card # meaning they were activated when they mailed # 2 and # 3. As of today they have the companies i requested a balance transfer to have not recieved the payments. Online it shows i owe PenFed Credit Union money as well as everytime I call them I receive different responses from their customer svc dept. " The checks have been cashed. They were put in the mail on XXXX XXXX. They have not been cashed. I have to redo everything as its more than 30 days and they do not see my requests. '' Everytime i call its different. My credit score has dropped over 40 points since I applied for this card as the balance transfer request has not been completed. I have contacted XXXX XXXX and they assist in investigating issues like this with companies as well as an attorney. Its been over 2 months and none of my cc 's have received the payment of the balance transfer request but PenFed claims they sent it. They do not have tracking numbers or copies of the checks that they claim they sent to the companies on my behalf.

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 2023-03-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
I have a couple accounts with Capital One that I have, One is a regular card and the other is with Cabelas. I never had issues with the credit cards and I actually really enjoy the perks and really prefer Capital One. During the time of the lates I was XXXX XXXX and didn't have anyone to help me while I was in and out of the hospital. I never intended to be late on the account but quite literally could not make those payments and I got current as soon as I could.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
ON XXXX/XXXX/22 I OPENED A SIGNATURE SAVINGS ACCT WITH TD BANK ONLINE WITH A XXXX DOLLARS BECAUSE TD BANK OFFERED XXXX DOLLARS BONUS IF I FUNDED XXXX XXXX DOLLARS IN THE ACCT WITHIN 20 DAYS. THE STIPULATION WAS IT HAD TO BE NEW MONEY AND I COULD NOT HAVE A SIGNATURE SAVINGS ACCT. I WENT TO THE BRANCH ON XXXX  XXXX IN XXXX NY AND DEPOSITED THE REST OF THE MONIES OVER XXXX XXXX DOLLARS TO MAKE SURE THERE WERE NO QUESTIONS BECAUSE THE BANK HAS RENEGAGED ON OTHER OFFERS BEFORE IN THE PAST.I SPOKE TO BANK PERSONELL BECAUSE OF THERE PAST HISTORY AND I WAS TOLD I MEET ALL THE REQUIREMENTS AND I WOULD RECEIVE THE BONUS OF XXXX DOLLARS.I WENT ONLINE AND PRINTED THE TERMS AND CONDITIONS OF OFFER BECAUSE THEY HAD A HISTORY OF THEM LYING TO ME IN THE PAST.I CONTACTED THEM 3 WEEKS AGO AND WAS TOLD THEIR BACK OFFICE WOULD EMAIL ME WHY I HAVENT RECEIVED THE BONUS IN MY ACCT.I CONTACTED THEM 3 TIMES NO ANSWER.I TOLD THEM IM A XXXX XXXX  DEALING WITH A LOT OF HEALTH ISSUES PLEASE DO THE RIGHT THING AND RESOLVED THIS PROBLEM.I HAVE NOT RECEIVED ANY REPLY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 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 and inquiries below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX has violated my rights XXXX XXXX XXXXXXXX XXXX has violated my rights XXXX BANK XXXX has violated my rights XXXXXXXX XXXX XXXX XXXX XXXX has violated my rights In additions listed on my credit report are inquiries that I didn't authorize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX fXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 USC 1681 Section 602 A 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 a account without written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL
State: ME

Complaint narrative:
Letters were sent to XXXX XXXX XXXX In regards to a Walmart rewards credit card issued by synchrony bank. The card was purchased by XXXX  XXXX. And then sold to a collector XXXX XXXX XXXX. XXXX XXXX has disclosed false information on my credit report stating I owe synchrony bank XXXX dollars. The information was disputed in accordance with FCRA Requirements and two letters were mailed with tracking to XXXX XXXX  asking for verification license numbers, how they came up with this debt and how they verified I owed them the debt. The response received was a statement from XXXX  XXXX. This is not from the creditor that is listed on the credit report which states synchrony bank. I have given XXXX XXXX more than 60 days to resolve and they have failed to do so. At this time I am asking they be investigated for fraud and violations of FCRA and remove any damaging false information that has been added to 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 2023-03-01 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 2023-03-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I had a chase sapphire credit card til 2020 with XXXX credit available. I had to dispute charges thst I did not make chase got mad tried to say I feauded the that I frauded them etc I had a roommate whom later got put in prison and had access to my cards while also having various police reports made of breaking I tried ti apply last week for a chase visa card the lady could not tell me why I was denied I suggested discrimination since I am a single XXXX mom she Saud maybe I'll have to see, she heard me saying I was going to record the call she told me to stop so I did after she told me I was turned down for two years or newer credit cards abd also too many inquiries which I knew was a lie since I have credit karma, so after when I said its not true thst my credit report is good etc she got very nasty towards me and tried to deny ever saying and agreeing it could be XXXX thus is sickening and offensive XXXX XXXX XXXX who is not XXXX I married a XXXX man from my last marriage

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION
State: IL

Complaint narrative:
When Truist was Suntrust, I opened an account and deposited {$100.00}. When I went back to withdraw some of the money, I was informed by the banker that I couldn't get my.money and to call support. The workers were rude and nasty as they said this. I called support and they informed me that my account was closed and that I couldn't get my money back. So essentially they stole {$100.00} from me. Fast forward to months later, I receive in the mail a bank statement from truist that says I have an account w them and it's {$75.00} in the account. So the company took from my starting balance. When I called truist to get my {$75.00} and take the {$24.00} as a lost, I was informed that I can not withdraw my money because I had never used the account. The thing is when I tried to use the account when it was suntrust I was denied access to my money. A bank stealing a measly {$100.00} from consumers and then taunting me w it by sending monthly statements saying I have money in this account I can't access

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 2023-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Citibank Best Buy ran a hard inquiry credit check on me and I never applied for a card.

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 2023-03-01 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 — Investigation took more than 30 days
Company: T.S. Holdings
State: TX

Complaint narrative:
My account was falsely reported to IQ Data Inc by XXXX XXXX 's manager XXXX in XX/XX/2022 because they claimed I failed to provide 60 days notice of move out. A debt was placed in my name and sent to IQ Data Inc, who contacted me by mail on XX/XX/2022. After several conversations with Property Manager XXXX XXXX and XXXX XXXX  Manager XXXX XXXX, I was told to resolve the issue on my own. 

I contacted IQ Data Inc and provided proof of my 60 day notice via email on XX/XX/XXXX and XX/XX/XXXX. They confirmed receipt both times, and sent the document to processing. On XX/XX/XXXX I contacted IQ Data again, who claimed that there was no documentation attached to my file. I resubmitted my evidence, and received verbal confirmation that they received my email. I contacted them again on XX/XX/XXXX, when I was told that the department that handles disputes had sent out two dispute emails to XXXX XXXX but had not received any response. I was told all I could do was wait. 

I contacted IQ Data Inc again on XX/XX/XXXX and was told that the dispute department had no made any progress on my case, nor had they made any additional attempts to contact XXXX XXXX. I was once again told to wait it out. I contacted them again, today on XX/XX/XXXX and was told that the dispute department had not made any additional contact attempts since XXXX of XXXX and that all I could do was 'try and send them an email and see if they will do anything for you. '

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I had disputed a charge with Bank of America over 130 days ago their policy on disputes and redisputes give a timeframe of up to 90 days it has been over 130 days with no response or resolution on the dispute despite me sending in supporting documents multiple times

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 2023-03-01 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EMCC Holdings, LLC
State: WI

Complaint narrative:
paid off 100 % in XXXX XXXXXXXX can't charge interest on no debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-03-01 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: DISCOVER BANK
State: NY

Complaint narrative:
Hi CFPB I was a victim of indentity theft. My discovery Mastercard card information was comprised and used for the purchase of XXXX I called them when my phone and card were lost and used for fraudulent transactions without my awareness and I was credited the amount and then recharge my account after some investigation that was never provided to me and is an outrageous charge for a supposed membership

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Avant Holding Company, Inc.
State: HI

Complaint narrative:
XX/XX/23 - I started an application for a personal loan through AVANT. I did not submit the loan application because I needed to update my address. I thought my change of living location could impact the loan. 

XX/XX/23 - I called and spoke to a representative at Avant to update my address and personal information. That was taken care of immediately. 

XX/XX/23 - Promptly after speaking with a representative about my change of address, I filled out and completed the personal loan application. 

XX/XX/23 - After filling out the personal loan application, I was told I was qualified and received an email stating that I had been qualified for the loan and to go to my dashboard to determine how I would like to receive my funds. I did as the email asked, signed the loan, asked for an ACH money deposit, and submitted it. As soon as I did that, I was closed out of the window for how funds were to be received and taken back to my account dashboard which had a notification stating I did not qualify for the loan. Under my account history, it stated that my loan application was declined on XX/XX/23, even though I had never submitted anything on XX/XX/23. 

XX/XX/23 - I received multiple credit alerts that a hard credit check had been conducted and that my XXXX XXXX went down because of this ( because I was qualified for the loan ) XX/XX/23 - I called Avant back to figure out what was going on. All I was told was that this issue has been " escalated '' and they would review my case. Whatever that means. 

XX/XX/23 - I emailed customer service regarding the issues presented above and received an email that things had been sent to the " appropriate department '' and if I had any further questions to email or call XX/XX/23 - I called customer service again to determine what was going on since all of the information I have been provided in the last three days has been generic and lacking any sufficient detail. I had to call twice because my call was dropped initially. Once I finally got a hold of someone, it was the same information I have been given the last XXXX days which was, " you're problem has been escalated to the appropriate department and they are still reviewing your case '' This is totally unacceptable. Not only was I told I received a line of credit and did not, but it has impacted my credit score because the inquiry went through. I haven't received sufficient customer service or information. I'm just passed along to another person who can't tell me anything of importance. This issue should not take three business days to figure out. I am beyond furious.

Company response to consumer: Closed with explanation