vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: U.S. BANCORP
State: AL

Complaint narrative:
I opened a US bank, business and personal checking accounts. 

After several issues with the local branch I was working through, I had three credit applications submitted without my knowledge. 

That coupled with other issues, I closed, my personal account. Without owing any fees or balances. 

Soon there after, I needed to send a time sensitive business wire. 
I was told the only way new funds would be availed if it were cash. So I went to another one my banks, who didnt allow international wires with the account type I had with them, and carried the funds to the US bank branch in question.

Upon attempting to deposit the funds, they told me the wire wouldnt be able to sent until the next day potentially longer. Completely different then what was told to me on the phone.

This branch was a 2 hour drive from where I lived at the time. 

Due to this I requested immediate closer of my account. 

Today I attempted to open an account with US Bank for one of my different businesses. 

It was declined for : In reviewing your application, we noticed inconsistencies in the information provided. Although we tried to verify the information, an account can not be opened for you at this time. 

There were no inconsistencies. I called the number given via their email. After being transferred twice and being on the call for an hour, the representative simply stated I breached terms of service, and would not be able to open another account with US Bank moving forward. When I inquired what I had done to breach, no reason was given, simply they could provide a copy of terms of service. 

I read a copy of the terms of service, to which I could not find any reasons as to why I would not be allowed. 

I closed it in good standing, without owing any balances. 

I fill this decline is discriminating against me, and my previous account was inaccurately notated due to the complaint I filed about the issues with that branch.

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 2023-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I would like to file a complaint against Chase Bank for closing my joint account with my husband without my consent. I received a statement on XX/XX/2023, indicating that my account had been closed due to an alleged report of fraudulent activity. Chase Bank issued a check for the funds in the account, which was {$1500.00}, and sent it to my address. However, I never received the check despite making multiple calls ( over 10 times ) and visits ( over 5 times ) to Chase Bank to inquire about the situation. This has caused me to waste more than 40 hours of my time, at my hourly rate of {$60.00} per hour, resulting in a loss of more than {$2400.00}. 

Upon investigating further, I discovered that there is another person with the same full name, date of birth, and social security number as me, as reported by XXXX XXXX XXXX XXXX XXXX XXXX  ). Despite explaining the situation to Chase Bank, they have yet to return my funds, causing me extreme frustration. I urge the Consumer Financial Protection Bureau to investigate this matter and ensure that I am properly compensated for the inconvenience and financial loss caused by Chase Bank 's actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I applied for an AMEX platinum credit card this morning on my mobile phone, with the hope that both myself and my husband can use it ( adding him as an authorized user ). Personally I am sick of long covid and not able to really travel anywhere, but my husband will still be utilize all the travel benefits and perks, which is the main reason I applied for the card in the first place. And based on my experience with all other banks such as XXXX XXXX, XXXX and XXXX, there was never a fee for adding one authorized user. And when I scroll through the landing page for AMEX there is nowhere clearly that shows that adding authorized user will incur an annual fee of {$170.00}, and therefore I made the decision to apply for the card. Only after I got approved by AMEX, then they starts to ask me do I want to add authorized users for a fee of {$170.00}, which is when I got caught by surprise completely.

Now that I have already applied for the card, my credit score got pulled, if I again cancel it right after it will just hurt my credit score even further. And I have called 3 times talking to different people on AMEX team to make a complaint and no one want to help me at all and they just say they didn't do anything wrong.

However, based on my understanding, all of these are clear violations of CFPB regulations on Unfair, Deceptive, or Abusive Acts or Practices ( UDAAPs ) examination procedures and on 1006.18 False, deceptive, or misleading representations.

I also feel the mis-presenting of these information is a discrimination towards disabled communities and long covid people, which is definitely not good practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 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: U.S. BANCORP
State: CA

Complaint narrative:
I attempted to purchase an item and there was 2 attempts to pay for this item. I was advised that 1 transaction did not go through because it was over my daily limit. so the whole purchase was cancelled and the 2 charges should have been returned to me. Only 1 transaction was reversed and disputed by the bank. Then the bank advised me that the dispute was done incorrectly and they would resubmit for the 2nd charge. I just received a denial for the previous complaint and I demand that a US bank representative call me from the office of the executives ASAP and credit the account for what they say i owe or am negative on. They did not properly handle my dispute and have incorrectly serviced my account. XXXX. There are federal rules and laws that protect me as a bank consumer.

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 2023-04-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ADIR INTERNATIONAL LLC
State: CA

Complaint narrative:
Identity theft never purchase nothing

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: DISCOVER BANK
State: TX

Complaint narrative:
We applied for a Home Equity Loan with Discover Home Loans on XX/XX/2023. We have credit cards and bank accounts with Discover and have had a relationship with them for several years so we thought this would be the best decision. We have never had any issues with the service they have provided until now. I have submitted all required documentation and some of the documents that I submitted on XX/XX/2023 are still pending REVIEW! 

I've called Discover a total of 7 times since XX/XX/2023 and this is quite ridiculous at this point. I've spent a total of 62 minutes on the phone with Discover because their portal is not updated with the most recent information based on what the reps have told me. I don't have time to call and sit on the phone. All of the reps that I've spoken with have been so nice and professional but the document collector XXXX XXXX needs to be replaced with someone that's more responsive and efficient for our file. I work in the mortgage industry so I understand how this process goes to a certain extent with needing to have all documents submitted in a timely manner to move the process along. I read that Discover could close in about 4 weeks if the customer stays on top of their to-do items. This seems like it won't happen since XXXX is unresponsive. We just want to tap into our equity to pay off some debt and get some matters in order for our family. Why is this so hard? This seems like the perfect case of disparate treatment and we don't appreciate being put on the back burner because we don't fit the criteria of most people who may be able to obtain and afford a home equity loan. Someone within the company needs to intervene and asap!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 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: VA

Complaint narrative:
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 an account without my written instructions. 
A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I do not have a contract with ) XXXX XXXX XXXX ) Account # XXXX Nor do I owe any debt to ( XXXX XXXX XXXX ) Account # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 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: NY

Complaint narrative:
Hello, my name is XXXX XXXX and am forwarding this correspondence as an urgent request for you to delete the following information in my credit file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted in order to correct and update my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. I Authorize all authorities to check my credit report to remove all Fraudulent Accounts And Inquiries. I am a victim of identity theft so I ask that you complete this with urgency. I am a victim of identity theft!! Please delete these items as soon as possible! PLEASE HELP ME THIS IS AN ONGOING ISSUE AND YOU GUYS ARE MY LAST LINE OF DEFENSE. I am a victim of identity theft!! Please delete these items as soon as possible FROM ALL CREDIT BUREAUS!

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 2023-04-24 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. 

XXXX XXXX : # XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 2023-04-24 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. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 2023-04-24 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: EQUIFAX, INC.
State: DC

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 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: MI

Complaint narrative:
I asked the credit bureau to do a verification of everything on my credit report.And they did they stated everything was accurate. I did a thorough search of my own. There are inaccuracies after the credit bureau verification. In accordance with the Fair Credit Reporting Act the following accounts have violated my rights Name of account XXXX XXXX  ACCOUNT XXXX XXXX Name of account XXXX XXXX ACCOUNT XXXX XXXXXXXX VALIDATE ACCOUNT Name of account XXXX ACCOUNT XXXX XXXXXXXX VALIDATE ACCOUNT Name of account XXXX ACCOUNT XXXX XXXX VALIDATE ACCOUNT Name of account XXXX XXXX XXXX ACCOUNT XXXX XXXXXXXX. 
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 consumer reporting agency can not furnish an 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 that antedates the report by more than seven years. 15 U.S.C. 1681 s-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 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 2023-04-24 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX 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 604A Section 2 : it also states a consumer reporting agency can not furnish a 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 non-monetary relief
Consumer complaint received 2023-04-24 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX 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 604A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 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: NY

Complaint narrative:
Hello, my name is XXXX XXXX and am forwarding this correspondence as an urgent request for you to delete the following information in my credit file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted in order to correct and update my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. I Authorize all authorities to check my credit report to remove all Fraudulent Accounts And Inquiries. I am a victim of identity theft so I ask that you complete this with urgency. I am a victim of identity theft!! Please delete these items as soon as possible! PLEASE HELP ME THIS IS AN ONGOING ISSUE AND YOU GUYS ARE MY LAST LINE OF DEFENSE. I am a victim of identity theft!! Please delete these items as soon as possible FROM ALL CREDIT BUREAUS!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 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: NY

Complaint narrative:
Hello, my name is XXXX XXXX and am forwarding this correspondence as an urgent request for you to delete the following information in my credit file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted in order to correct and update my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. I Authorize all authorities to check my credit report to remove all Fraudulent Accounts And Inquiries. I am a victim of identity theft so I ask that you complete this with urgency. I am a victim of identity theft!! Please delete these items as soon as possible! PLEASE HELP ME THIS IS AN ONGOING ISSUE AND YOU GUYS ARE MY LAST LINE OF DEFENSE. I am a victim of identity theft!! Please delete these items as soon as possible FROM ALL CREDIT BUREAUS!

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 2023-04-24 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I received a debit card from XXXX as part of a class action settlement- and it had an expiration date on the card. My recollection is that the amount of the settlement was approximately {$55.00}. I had not used it by that expiration date ( approx 1 year ) and then Bank of America charged a fee of {$55.00} dollars as a " closing fee '' and consumed the entire settlement without any notice to me or agreement to such a fee by me. 

I believe this must be illegal. I tried to get this resolved with Bank of America but they could not even provide me with an address to send a letter of complaint. I was on hold for about an hour, each time they would come back on the line and apologize for the wait, and then put me on hold for another 10 minutes. Just trying to get the information to register a complaint with them was impossible. 

Hence, this complaint.

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