vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
I was trying to sell a car thru the XXXX On XX/XX/2022, I received a message from a guy who wanted to buy it ( I'm attaching the copy of our conversation ). He send me a check with more amount than I requested asking to pay the movers. 

I deposited the check and after two business days it didn't went through the bank blocked my account and then closed it with no details. 

I was trying to call the bank ( Bank of America ), visited the branch but nothing helped. They even didn't want to talk to me saying if the decision was made, there is nothing they can do. I asked why they didn't let me know if the check was fake when I was depositing it, they said their first scan system doesn't show always if a check is fake but it would be found out at the end of the day when they scan the checks though the system. 
On XX/XX/ I received a letter from the bank that their decision is final and they reported my information to XXXX XXXXXXXX XXXX XXXX XXXXXXXX which may affect my ability to open an account at any other financial institution. 

While I'm trying to resolve this issue with CFPB, I completed a police 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 2022-11-21 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX provided to FCPB incorrect and inconsistance inormation. on their letter they sent it to you the monthy payment was {$390.00} as on the sale contract too. but on my Experian report the monthey payment is {$390.00}. 
Also the terms on the letter & on the contract are XXXX months but on my experian report XXXX  months. 
The address on the sale contract was incorrect. That wasn't my previous address which was XXXX XXXX XXXX XXXX NY 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 2022-11-21 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: KY

Complaint narrative:
Hello, I received an email on XX/XX/ stating that I applied for a installment/payday loan with XXXX. I have been a victim of ID theft. I called the company and informed them I did not apply for this. I was instructed to complete a police report, and this would be investigated and removed from my credit report. My police report was submitted on XXXX  I received an email today XX/XX/, stating that investigation has been completed and that I was the one that applied for the loan. This is Absurd and I am going to obtain an attorney if needed.

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 2022-11-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY
State: UT

Complaint narrative:
A Target credit card was opened in my name on XX/XX/ with a limit of {$500.00} and used to make purchases totaling {$360.00}. The card was used online, but was also used at a physical XXXX store here in XXXX XXXX, UT where I live. This leads me to believe that the person who did this is my ex partner. He has stolen from me many times before and has even been to jail  in two states for theft from large businesses. I have seen him use his mother 's credit card information online, and attempt to use other family members ' as well. 
Upon receiving the bill for the Target credit card I did not open, I checked my XXXX XXXX account to find two more open lines of credit that I did not open or even apply for. One line of credit is for XXXX XXXX XXXX  opened on XX/XX/ for a limit of {$300.00}, and currently has a balance of {$140.00}. The third account opened is for XXXX XXXX with a limit of {$300.00} and no current balance. 
I also received letters in the mail denying requests for lines of credit that I did not apply for. One letter is from XXXX XXXX  dated XX/XX/ and the other from XXXX dated XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-21 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: TN

Complaint narrative:
On XX/XX/22 I noticed accounts from XXXX XXXX XXXX XXXX XXXX Ma, and XXXX XXXX were on my file. I have not extended credit to any of these places. This is identity theft. I filed a report and notified the credit bureaus and the secondary reporting agencies. From what I understand, the consumer reporting agencies and secondary agencies must remove these accounts within XXXX  days. It has been more than XXXX business days. Also I know that no account can be put on my credit report without my written permission. I didnt give written permission. I require that these accounts be removed 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 non-monetary relief
Consumer complaint received 2022-11-21 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: LA

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE

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 2022-11-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Credit, pursuant to 15 USC 1602 ( e ), is defined as the right granted by a creditor to defer payments or to incur debt and defer payments. As a consumer ( 15 USC 1602 ( h ) ) and creditor ( 15 USC 1602 ( f ) ), I issued my credit card online on XX/XX/2022, Twice on XX/XX/2022 and once on XX/XX/2022 and consumer credit transactions were completed with Capital One National Association on XX/XX/XXXX, twice on XX/XX/XXXX and once on XX/XX/XXXX of 2022. Capital One National Association denied me credit after each transaction. The denials discriminate against my rights as a creditor and violates 15 USC 1691 ( a ) ( 3 )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Beginning in XXXXXXXX XXXX XXXX I have been trying to have my credit reported updated to reflect my credit history accurately. I have sent letters to each of the three ( 3 ) major credit reporting agencies ie XXXX, TransUnion and XXXX. I have disputed information that each agency has received from third party agencies which was done without my consent. I have asked each company to remove this incorrect/unverified information from my credit reports and all three ( 3 ) have refused to do so stating that they verified the accuracy of these reports. This information could not be verified correctly and the FCRA states that a CRA must remove or correct inaccurate or unverified information from its files. In the time frame given, up until today which is XX/XX/2022, these corrections have not been made.

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 2022-11-21 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: NV

Complaint narrative:
Beginning in XXXXXXXX XXXX XXXX I have been trying to have my credit reported updated to reflect my credit history accurately. I have sent letters to each of the three ( 3 ) major credit reporting agencies ie XXXX, XXXX and Equafax. I have disputed information that each agency has received from third party agencies which was done without my consent. I have asked each company to remove this incorrect/unverified information from my credit reports and all three ( 3 ) have refused to do so stating that they verified the accuracy of these reports. This information could not be verified correctly and the FCRA states that a CRA must remove or correct inaccurate or unverified information from its files. In the time frame given, up until today which is XX/XX/2022, these corrections have not been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
Credit, pursuant to 15 USC 1602 ( e ), is defined as the right granted by a creditor to defer payments or to incur debt and defer payments. As a consumer ( 15 USC 1602 ( h ) ) and creditor ( 15 USC 1602 ( f ) ), I issued my credit card over the phone on XX/XX/2022 to a rep of XXXX XXXX XXXX and XXXX consumer credit transaction was completed with Santander Consumer USA XXXX Santander Consumer USA denied me credit. The denial discriminates against my rights as a creditor and violates 15 USC 1691 ( a ) ( 3 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX  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 2022-11-21 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXXXXXX 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 explanation
Consumer complaint received 2022-11-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
I deposited my insurance check XXXX months ago and they cleared it sane week but did not give me acesss to funds once they verified it they have been giving me the run around told me they would close my account once I kept calling back to back I have XXXX in there its been gain interest and everything and they will not release my funds they wont even answer the phone anymore I havent been able to talk to anyone last time I was able to was XXXX months ago

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 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: TX

Complaint narrative:
Ive reached out to XXXX asking for verification of a debt and asking that documentation along with signatures be provided that proves that I owe said debt. I believe that the debt does not belong to me and asked that it be investigated and removed if documentation could not be provided to link me to said debt. I have had several issues in the past getting this resolved hence the reason why I asked for validation which includes signatures and supporting documentation. None has been provided and this is causing me great pains and detriment. I may have to seek legal counsel if this isnt resolved in a timely manner. XXXX XXXX XXXX is the party I am disputing in XXXX amounts totaling {$4500.00} and for {$740.00}. XXXX could not have possibly verified this debt because no sooner than my request for validation was sent it was return in less than 30 days so it leads me to believe that thorough investigation was not implemented. I needed them to do a thorough investigation for instance requesting the ledger balance if need be or signed documents that I have signed. XXXX more than likely is taking the word of the company and is not actually pulling documents to confirm these allegations and its very harmful to me as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Someone has applied for a Bank Of America Credit Card ( Free Spirit Travel More World Elite Mastercard ) using my personal details. I noticed the theft when I received an email from Bank of America. I have contacted the Fraud department of Bank of America and they have confirmed that my information has been compromised and initiated the investigation.

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 2022-11-22 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:
Received an investigative report from Transunion dated XX/XX/XXXX file number XXXX that the item of bankruptcy by the XXXX XXXX Texas XXXX XXXX XXXX XXXX XXXX XXXX Texas was deleted from my credit report. To this date the item still appears on my credit report. I have a copy of the Transunion final investigative report. I am still filing disputes with Transunion to honor their report but to no avail. Believe that they want to punish me. I explained & provided Transunion a copy of Court Order dismissing the item. I never participated in bankruptcy proceedings not a single payment was ever made. Court dismissed the case. 

XXXX deleted the report on XX/XX/XXXX after I filed a dispute. I have filed disputes monthly with XXXX who refuses to delete the item.

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 2022-11-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Citibank deducted {$800.00} in fees from my {$1300.00} deposit WITHOUT EVER informing me. 

On XXXX XXXX, XXXX, I opened a savings account in XXXX to hold my tenants security deposit of {$1300.00} in an interest-bearing account, as required by city ordinance. 

At the time of account opening, I was told by the banker {$500.00} is the minimum balance required to avoid any fee. Shortly afterward, however, the minimum was raised to {$1500.00} but I was never notified. Since then, Citi began charging a {$25.00} fee monthly fee to this account. 

The banker who opened my account had mistakenly entered my old address. At that time, I had XXXX other accounts with Citi. My address for them is correct and current. 

As a result, between XX/XX/XXXX and XX/XX/XXXX, I never received any statements. Citibank 's internal records show all mailed statements to me were undeliverable. 

The banker couldnt link this savings account to all my existing accounts, which are opened in XXXX XXXX. As a result, I can not access this account online to see the charges. 

In XX/XX/XXXX, when I returned from after being stranded outside the country due to Covid, I visited the XXXX branch where I opened the savings account. I was shocked to discover the original deposit of {$1300.00} has been reduced to {$520.00} after all the fees! 

Its unacceptable for Citi to wipe out the balance with fees WITHOUT notifying me. This has happened due to the bankers mistake in entering my old address. Im asking for a full refund of {$770.00} -- all the fees charged by Citi that I never knew about. 

I took this complaint to Citi 's executive research unit, where a XXXX XXXX she refused to give her last name or an employee ID number ) called me in late XXXX in response to an emailed complaint to XXXX. 

During this recorded phone call, she failed to state when Citi notified me of the higher minimum balance required -- as I repeatedly asked her to state when I was notified.

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 2022-11-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: CA

Complaint narrative:
My mortgage/escrow servicer, XXXX has failed to pay the required XXXX XXXX XXXX XXXX XXXX after repeated phone calls, faxes and two " notice of error '' mailed letters. I would like them to pay the entire XXXX amount of {$7100.00} as the first portion is already past due and I have paid 20 months ( since XX/XX/XXXX ) of ontime payments. There is a current surplus of a Escrow Account Balance of {$13000.00} ( as of XX/XX/XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
Application reference number : XXXX I applied for a XXXX XXXX credit card that is issued through Synchrony Bank. On XX/XX/2022, I received a letter from Synchrony Bank to call customer service to very my identity. I called the number XXXX on XX/XX/2022. I was directed to go to a website which is used to verify my ID. The process involved me taking a photo of my state driver 's license and record a short video of myself and upload it to the site at which time I did. When I recorded the video, I was at my job and in my uniform which is a XXXX XXXX. My uniform displays my XXXX XXXX XXXX After holding for about 10 minutes the customer service agent advised me that the bank is unable to verify my identity and the application is being denied. On XX/XX/2022, I spoke to a supervisor named XXXX and advised him of my issue, XXXX stated he can not tell me why the application was denied and that I should have received a letter. I explained that I did not receive a letter and expressed a concern that I was denied the application based on a bias against XXXX XXXX. Every document and information supplied to Synchrony Bank was information that only I would be able to provide. I also have a current credit card issued from Synchrony Bank that I have held for approximately 7 years in addition the video I uploaded was of me in my XXXX XXXX XXXX  that clearly showed my XXXX XXXX XXXX XXXX  on it. I advised XXXX that I feel I was discriminated against because I was wearing a XXXX XXXX XXXX  and therefore, I was denied credit. XXXX sated that I would hear a response back in writing in 7-10 business days.

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