vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: ZIONS BANCORPORATION
State: CA

Complaint narrative:
My father passed away in XX/XX/2022, and my family is having major difficulties getting his credit card from California Bank and Trust closed. We went to the local bank branch and provided his death certificate and were told that since there was a credit on his account, we would need to call the company to get the account closed. On XX/XX/XXXX, I called to close the account and was told they closed the account. However, we continued to receive credit card statements, so I called on XX/XX/XXXX to confirm that the account had actually been closed and was told that they could not give me that information and that I would have to present a death certificate at the local branch ( which we already did in XXXX ). At this point, I'm lost as to how to get this account closed. Please provide assistance.

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 2023-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: DISCOVER BANK
State: TX

Complaint narrative:
From my Discover bank checking account a wire transfer was processed on XX/XX/XXXX to my wifes XXXXXXXX XXXX ( XXXX ) for {$22000.00} usd. 

First Discover told us, the recipient bank had the funds, so we called my wife bank and they told us they don't have the incoming wire, and Discover wasn't able to provide tracking # Few days later Discover told me the wire was on hold by the Federal Reserve and they asked for more information, we supply my wife social security, address and citizenship. 

Days later, I called the Federal Reserve and they told me they don't hold for that timeframe, that I should file a complaint with CFPB. 

XX/XX/XXXX I asked Discover to return my money and I was told they don't have it. I have talked to several supervisors and none has an idea where is it or what to do. They tell me the Reserve has it, the recipients bank has it, the intermediate bank has it... 

Every time I call they tell me 3 to 5 business days, and on the 5th day they " reset '' the days again due to is a new request, so I have been on a loop. 

Please help

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-17 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b.

See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 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: EQUIFAX, INC.
State: TX

Complaint narrative:
To Whom It May Concern, I received a copy of my credit report and found the following items to be in error below. 

I had several inquiries that was not authorized from XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX The inquiry was not authorized XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/2021 Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 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: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
To Whom It May Concern, I received a copy of my credit report and found the following items to be in error below. 

I had several inquiries that was not authorized from XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX The inquiry was not authorized XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/2021 Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: ID

Complaint narrative:
My issue is this. We want to sell our home in Idaho and buy in Colorado. To be effective, we want to do our due diligence to find the best rates and offers. I've picked out 4 or 5 companies and too many of them want a hard credit pull. ( XXXX ) The problem with that is that it dings our credit rating for no reason. It's not like a denial or a loan is issued - we're just looking. The ding occurs just for asking and it dings the rateing 5 % for 2 YEARS. That's not right or fair to a consumer. They all shrug and say that's just the way it is, but I'm wondering why there are articles that say a smart person should shop around if the end result is a ding that lasts for up to 2 years. If no denial, and no loan is issued, why should it affect my score and why on earth should it last for 2 years? I'm not a rich person but have carefully managed my XXXX XXXX above XXXX and don't want to lose that. Nor do I do this type of thing every day, so mortgages are complex and stressful for me. 
With all the truth in lending, these are questions none of them have been able to answer. So I'm asking you, and asking a second question if there are questions I should be asking these lenders but don't know to ask? At this point I'm not sure about trusting anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 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: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-01-17 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: MD

Complaint narrative:
I have disputed the information with all three credit agencies several times and they have not done a proper investigation into XXXX XXXX XXXX. I sent them a letter directly and I received a reply back please see attached. Please have them remove the information off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX I retained a family court attorney XXXX XXXX to review some perfunctory mediation documents pursuant to completing my divorce. In an effort to retain her I used my Capital One credit card to secure her services. On or about XX/XX/XXXX I received a billing statement from XXXX XXXX in the amount of {$350.00} which I sumitted to Capital One. Susequent to my submission I received a statement from Capital One which showed a charge of {$1500.00} which I didn't have knowledge of nor did I authorize. I later learned that my attorney had used my card to access funds to pay her fees without telling me in despite the fact that I sent her an email telling her that I processed the charge that was on my card and would rather not use my card for any future charges. 

I made a call to Capital One and informed them of all of this and entered into a resolution dispute process in which I learned for the first time that XXXX XXXX had essentially used XXXX to finance her services by apparently charging my card for {$1500.00}. Capital One has not been transparent about their actions with me and I have exhausted every avenue open to remedy what has occurred. This weekend adding insult to injury, Capital One essentially threatened me with additional interest on this alleged transaction. They insisted that I needed to pay them money by XX/XX/XXXX or I would have to pay further interest on the initial charges from this transaction. XXXX XXXX provided me with a screen shot of XXXX notifying her that they had received {$1100.00} from Capital one, which is the balance of what they claim I owe them. Sadly they did this while taking the {$250.00} I remitted to them at their request to avoid being charged additional interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
T D BANK had several forms of advertisement, ie internet, direct mailing, in bank personnel/ employee, and also listed on other websites such as see XXXX XXXX ( copy uploaded ) The promotion under which I opened my account with TD BANK stated the following : The bank employee took a copy of the " Social Security Check '' with both names listed to confirmed with manager on duty that we qualified for XXXX of the " PROMOTION '' being offered which was ( XXXX ) days of " DIRECT DEPOSIT '' of {$500.00} or more after the XXXX  days we would qualify to receive {$250.00} deposited into the account being opened. The only EXCEPTION was, we had to keep {$100.00} in the account each month by our statement due date of the XXXX of each month, if not we will be charged a below {$100.00} fee OF {$15.00}. 

THE ACCOUNT WAS OPENED IN THEIR XXXX XXXX XXXX XXXX AND XXXX XXXX BRANCH ON XX/XX/XXXX CALLED A : TD CONVENIENCE CHECKING. OUR XXXX  DAYS OF DIRECT DEPOSIT WOULD EXPIRE ON XX/XX/XXXX ( XXXX ) DAYS ON XX/XX/XXXX The account was ( $ XXXX Cents ) of the required {$100.00} required end of month the account had {$99.00} I could not get to the bank and XXXX was not set up ( to do so would take XXXX days to verify the account by TD BANK REQUIREMENTS. I GOT TO THE BANK THE NEXT DAY TO DEPOSIT THE {$0.00} Cents but was charged {$15.00} SPOKE TO XXXX XXXX IN DEPARTMENT OF SUBMISSION CONTACT CENTER FOR TDBANK WHO SAID TO AVOID THE {$15.00} FEES SHE CAN SWITCH US OVER TO THE TD SIMPLE CHECKING FOR {$5.00} PER MONTH WITH NO {$100.00} REQUIREMENT, AND I WILL BE OK BECAUSE I HAD ALREADY HONORED THE XXXX  DAYS REQUIREMENT, AND I WILL STILL BE A TD BANK CUSTOMER WITH DIRECT DEPOSIT. 

I am filing this official complaint with the CFPB because all my EFFORTS IN HAVING THE MANAGER, THE ASSISTANT MANAGER ALONG WITH THE CUSTOMER SERVICE DEPARTMENT TO HAVE TD BANK HONOR THE PROMOTION HAVE FAILED. 

THE REASON BEING GIVEN BY TD BANK FOR NOT HONORING THE PROMOTION {$250.00} UNDER WHICH THE ACCOUNT WAS OPENED IS, STATING THAT MY NAME WAS NOT ON THE PROMOTION. ( Which by the was it was ) THE PROMOTION DID NOT REQUIRE A NAME IT WAS ON THE INTERNET, IT WAS BEING MAILED TO HOUSE OWNERS, AND MOST OF ALL IT WAS CONFIRMED BY THE MANAGER ON THE DAY I OPENED THE ACCOUNT THAT I QUALIFY FOR THE PROMOTION. 
THIS IS A BAIT AND SWITCH DECEPTIVE PRACTICE AND I PERSONALLY ALSO FEELS IT'S A DISCRIMINATORY ACT. 
I HAVE BEEN TO SEVERAL BANKS WITH THE ISSUE AND NO ONE WANTS TO HONOR THE PROMOTION FOR OVER A YEAR. WHY? 
ALL REQUIREMENTS WERE MET. IS IT THE XXXX OR THE PIGMENT OF THE SKIN.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 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: NY

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2023-01-17 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I was affected by Equifax Data breach. I never gave them permission to report my transactions and they did not exercise grave responsibility to protect my privacy therefore it was compromise. 
XXXX, 2022 XXXX XXXX ( closed ) I sent a letter of Data Sharing/Privacy being breach. 
XXXX XXXX XXXX {$1200.00} ( closed ) I sent a letter of Data Sharing/Privacy being breach. 
XXXX XXXX XXXX XXXX {$860.00} ( closed ) I sent a letter of Data/Privacy being breach. 
XXXX XXXX Louisiana XXXX {$140.00} ( closed ) I sent a letter of Data/Privacy being breach. 
XXXX XXXX XXXX XXXX XXXX {$70000.00}. I sent a letter of Data/Privacy being breach XXXX XXXX XXXX XXXX {$40000.00} XXXX I sent a letter of Data/Privacy being breach. 
XXXX XXXX XXXX XXXX {$11000.00}. I sent a letter of Data/Privacy being breach. 
After data being compromised I have had thousands of emails from marketers, countless spam calls, hundreds of mailings from banks, dealerships, credit card companies and calls from telemarketers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Bread Financial Holdings, Inc.
State: OR

Complaint narrative:
To whom this may concern, I am writing to request the removal of my latest unauthorized hard credit inquiry. I have no clue what company it is but the it occurred and showed on my XXXX XXXX is XX/XX/23. I did NOT authorize this inquiry and dont know where it is coming from.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-17 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: DE

Complaint narrative:
In accordance with the fair credit reporting ACT XXXX  account XXXX and account XXXX has violated my rights 15 u.s.c 1681 section 602 A states I have the right to privacy 15 u.s.c 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I was looking up my credit. I have 3 cards that I or my fianc never opened. 2 capital one cards. That I never gave permission to anyone to open any credit cards in my name. The cards in my name that I did not open are XXXX XXXX XXXX. I even disputed the withdrawal in my checking account. I never opened this card, dont own this card, no one never had my permission to open this card. The 2 capital one cards. I disputed payments coming out of my account. I do not want any charge cards in my name. I pay for cash in everything. Everything I own, has been paid in cash. I also realized I have XXXX XXXX  Again I never gave anyone permission to open any cards in my name. I have XXXX XXXX XXXX XXXX XXXX. Everything else never had my permission XXXX, 2 capital one, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 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: MI

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate 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 items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted 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 2023-01-17 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: ND

Complaint narrative:
I filed the original complaint with you last week and I keep getting totally different emails about it I got 4 emails yesterday one said my XXXXXXXX XXXX account was closed, the next said it was moved to collections the next said that they needed more of my personal information to proceed and finish the second half then I got an email saying they have the results for my XXXX XXXX XXXX account complaint. Basically the same situation on Saturday the XXXX I had enough info on the complaint to justify removing it completely from my report but they originally said that there investigations were complete then they emailed me back saying they didnt get my uploaded documents so I called them and yes they didnt get my uploads but said the investigation was done. Im seriously having XXXX XXXX because it takes an hour to get anyone on the phone, none of them speak English and they like to hang up on you plus they dodge every question you ask and to be honest Ive been unable to borrow even XXXX $ for 6 years and for them to jerk me around and go back and fourth like this and we both know that its going to be the same if I dispute anything else with any of the three bureaus, they all help about the same which is answer the phone and that is it and it is more than difficult to stay calm with people that dont help nor talk english.. I am going to seriously have XXXX XXXX dealing with careless lazy people like this and I couldnt be more serious, I am totally fed up and I need to move on from this and I need these two disputes gone from my credit report on all three bureaus due to there inability to carry out the simplest of tasks and the dishonesty about the handling of my case. It is not ok to be treated like this and constantly give me conflicting information about my accounts and the fact that they lied to me about everything so far should be enough evidence to fulfill my request to remove these items from all three credit bureaus and since Ive already wasted 3 months Im asking for a bit of a speedy end to this little game they want to play with me thank you in advance

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 2023-01-17 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: EQUIFAX, INC.
State: TX

Complaint narrative:
These accounts do not belong to me, information is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
These accounts do not belong to me, information is 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 2023-01-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells Fargo. takes over unauthorized fees for monthly savings and checking fees.

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