vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
navyfed has not returned money owed to me due to a dispute further they have limited my access to my acc on numerous occasions and even changed my gender to my biological gender XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
i have disputed some unauthorized transactions to company twice. i have filed a complaint against them also for not filing the first time undisputed the transactions. i have been waiting since XXXX for them to resolve my issue since i did not make the transactions i should of had my money back on my account.

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 2023-02-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
My XXXX VISA card was previously with XXXX XXXX XXXX where I had a 10 year perfect payment record. The account was transferred on XX/XX/XXXX to Comenity Capital Bank. Since the transfer, my payments were never posted on a timely basis and always just past the due date and incurred late fees. Payments were made through XXXX XXXX so the date of the payments is verifiable. One check was " lost '' and I was instructed to stop payment and reissue. The check was deposited the following day and I was charged a return check fee of {$28.00}. The replacement check for {$6000.00} was sent via certified mail on XX/XX/XXXX. The USPS confirmed it was picked up on XX/XX/XXXX. It was not posted to my account until 12 work days later on XX/XX/XXXX, one day after the due date incurring more interest. 
The total late fees, returned check charges and interest as a result of Comenity Capital Bank delaying the payments is {$300.00}. In addition, the cash back amount I earned of {$260.00} is not available for me. 
Please see the attached letter to the FDIC for additional details.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-22 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: NJ

Complaint narrative:
Below the following inquiries were pulled without my knowledge : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 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: NJ

Complaint narrative:
Below the following inquiries were pulled without my knowledge : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
I have on several occasions; sent Macys a Court ordered name change document. I initially sent the document 2 months ago. I have spoken to several different agents, and I still have no update. Here we are headed into XXXX  and my legal name has still have not been updated. I am very upset with how Macy 's has handled this and i would like this resolved asap!!! The communication on their end has been horrible to say the least. Please keep in mind that you have customers who are in very dangerous situations where they immediately need their information updated. You have placed me in a very difficult position unnecessarily.

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 2023-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Opened Citi checking account on the XXXX. Deposited {$15000.00} from my XXXX account and additional funds from my XXXX XXXX account. I made several payments, which were pending, and suddenly the day after scheduling and making payments, Citi closed my account. I was locked out of my account, could not obtain any information, and could not access my funds. Rather than allowing me the decency of knowing why it was closed and allowing me to withdraw the funds, Citi 's " back office '' closed the account without notification. I called customer service and spoke to account supervisors. None could describe the reason, nor answer questions about pending payments. Just that I would receive a letter in 30 - 60 days and a separate check in the mail of the remaining funds, which I can not verify or crosscheck the information due to being locked out. This is not only an unfair business practice to withhold funds, but it is egregious. I can not pay my bills, access my own money, and I feel helpless to do anything. It is unacceptable.

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 2023-02-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
I wanted to make 2 transactions to move money to my Fifth Third Bank moving {$8000.00} from my XXXX XXXX XXXX  and transferring {$5000.00} from my XXXX account both transactions were initiated on XXXX XX/XX/2023. 
Before this I had completed the 5/3 external bank transfer security deposits so I could initiate both transactions via the 5/3 website. 
A week goes by and the money isn't in the account and soon after they call me to tell that they couldn't verify the funds because they thought there was 'fraudulent ' activity despite me initiating the transfer via logging in and also completing the electronic small deposits. 

By the end of XXXX after I had called every weekday, they opened a case to investigate. They told me that a third party operator has the money and it would be returned by the XXXX XXXX to the accounts from which they came. 
On the XXXX XXXX {$8000.00} shows up in my XXXX XXXX XXXX, but nothing in my XXXX account. I check my fifth third account and the checking balance is negative- {$480000.00}, the balance should be {$0.00}- they said because the account has a hold on it - nobody told me I received no call to tell me that was happening or even a letter. 

I called XXXX XXXX after waiting anxiously for the 5 business days to see if the money would show up in the account. But 5/3 told me that I have to contact XXXX to claim my money back?!? 
They said that the third party operator who handles the money that is being transferred ( even though I initiated the transfer through 5/3 website ) might not be able to return the funds because of fraud. 
I asked how I would go about doing this, since XXXX would not know anything about this case, and the 5/3 representative told me they didn't know or the name of the company that was handling the funds. 

I am attempting to explain the situation to XXXX, but I am left in a situation of uncertainty with little to no help, in which I have to consistently chase answers from 5/3.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: MD

Complaint narrative:
National Credit Systems has put a bad debt of XXXX XXXX  on my credit. I never received any information regarding this debt. I asked to receive mail and never received it as I needed to verify it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Capital One Auto loan that was paid off is reported incorrectly by two of three credit reporting agencies. Per the FCRA all reporting must be accurate across all three bureas, and if that it not the case the item must be deleted from the credit report totally. As of today Capital One Auto Loan XXXX, for a XXXX XXXX XXXX shows the following : XXXX XXXX XXXX XXXX XXXX XXXX Please remove this incorrectly reported closed account from the bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 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: NJ

Complaint narrative:
I am disputing inaccurate information reporting on my credit reports from the following lenders below. According to my records I have never applied for any loans or credit with the original creditor and these items may report on my account because of fraudulent activity. 

Accounts List As Follow : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In accordance with the Fair Credit Reporting act XXXX these accounts have 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 an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

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 2023-02-22 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: TN

Complaint narrative:
I put a Despute in for credit exception company 2  years ago with Experian and they still have it on my credit report now .That car loan belongs to XXXX XXXX he is deceased and the car is in bankruptcy.I have call the on yesterday to Despute again. Please help me help Experian

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 2023-02-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX received a XXXX deposit from XXXX XXXX ( co-worker ) for {$3500.00} to my personal savings account which I have with Wells Fargo. XXXX XXXX called & text me to confirm if I received the {$3500.00} because her account had been hacked. I confirmed that I received the money. XXXX XXXX communicated that she was on the phone at the time with customer service from Wells Fargo, as she also banks with Wells Fargo. I asked what the bank like me would to do. XXXX XXXX respond, to send the money back. I then went into XXXX, and sent the {$3500.00} back to XXXX XXXX. The next day, XX/XX/XXXX XXXX XXXX notified me that the {$3500.00} was not in her account, so she placed a fraud claim with Wells Fargo. On XX/XX/XXXX, XXXX XXXX notified me that her claim with Wells Fargo had been resolved and she received the {$3500.00} back. The next day, XX/XX/XXXX, I contacted Wells Fargo because I was locked out of the online banking. They reset my account and I then discovered that {$3500.00} was taken from my personal savings account. I received no notification or reason why funds were taken. I contacted Wells Fargo fraud department to submit a claim for my missing money ( # XXXX ). On XX/XX/XXXX, I called the fraud department again to check the status of the claim and I was denied a refund and claim closed. I had the same claim re-opened again. On XX/XX/XXXX, I contacted Well Fargo again, my claim was closed, and no refund received. I requested to have my call escalated to a supervisor. The supervisor opened a new claim ( # XXXX ) with more details and assured me that this would be resolved. About XX/XX/XXXX, I called to get the status of the claim and the claim was yet again closed and no refund received. Wells Fargo wrongfully closed XXXX XXXX 's claim by taking my personal savings of {$3500.00}.

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 2023-02-22 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: EQUIFAX, INC.
State: IL

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

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my credit report?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 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: Experian Information Solutions Inc.
State: IL

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

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my credit report?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
On XX/XX/XXXX, Capital One Auto Finance sent me the Transaction History Report that I requested from them a few weeks prior. I requested the report because I believed there existed errors in the balance shown on my credit report, and in the letters they were sending to me in attempts to settle the account for my repossessed XXXX XXXX XXXX ( repossessed in XXXX of XXXX ). After reviewing the account transaction history for the first few payments on the loan ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ), I noticed that the amounts I was charged for interest was too high. Additionally, there was a random fee of {$7.00} for the month of XX/XX/XXXX. The customer service representative who I spoke with for more than one hour was unable to explain to me the reason for that fee or other codes and extraneous fees on the Transaction History Report. 

She stated that I was going to be speaking with the 'President ' of her department, but she refused to specify the unit within Capital One that this 'President ' would be representing. Needless to say, I was never able to speak with that person, although I was on hold for an extended period of time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Hi, I opened my checking account with XXXX XXXX on XX/XX/2023, at that time I enrolled to the online banking at the branch, I never get the email confirming that the enrollment was succesfull. 
I tried to access using the credentials created but never allowed me to go in, I tried to reset the password several times without success. I sent emails to the representative who helped me opening the account but never replied, also I called customer service they said that my email is " wrong '' wich is XXXX XXXX from XXXX, XXXX from my last name, and XXXX XXXX XXXX ( my second last name ) Also I tried to enroll again and the bank replied that was not possible. 
I was requested to go the branch, something is impossible because I dont live in the XXXX XXXX right now im in XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 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: KY

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 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: OR

Complaint narrative:
I have had multiple loans with XXXX in which I have paid multiple loans off in full. I will attach all paid off letters directly from XXXX validating this. I had XXXX, followed by the XXXX in XXXX XXXX. I got behind on all payments and all of my accounts indicated that if you had XXXX they offered various types of relief. I wasnt able to get any relief but as soon as I returned to work I paid off account after account and now my remaining two accounts are current, one was sent to collection as charged off which will be paid next week also in full. I filed a dispute with Experian to update the account on my credit to paid as agreed and it was denied. I tried contacting XXXX they wont respond. I want the paid off loans updated on all my credit reports. This is impacting my credit score greatly affecting my ability to access credit or buy a home as I am trying to do currently.

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 2023-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX I reinstated my conventional loan with XXXXXXXX XXXX, who had previously filed foreclosure. I got behind because of been laid off due to XXXX. 
I wired the full reinstatement amount ( see exhibit 'A ' ) which included the XX/XX/XXXX payment and cost & attorneys fees. I have made all payments due since XXXX XXXX present. ( see attached 10 payments ) XX/XX/XXXX has been paid but not available on my statements as yet. 
XXXX is alleging amounts owed from the foreclosure that would be classified as fees, and are being challenged by me. Let me be clear, fees & cost are NOT regular mortgage payments and can not be reported as past due mortgage payments. These amounts have been previously paid and are being challenged by the consumer as shady and questionable business practices.

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