vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: NV

Complaint narrative:
On Monday XX/XX/2023 I went with my family to Ikea to order furniture for our new home that we purchased. I went in knowing that I wanted to apply for Ikea 's Projekt Credit Card and I applied on their kiosk. After an employee typed up the order and I went to pay for XXXX XXXX  worth of items and the new account did not go through and said declined. The manager in store tried serval times and still nothing. They had me call Comenity ( the credit card company ) and the agent said I had a limit of {$2500.00} for the first 4 days of applying for the card. The amount I was approved for was {$7200.00} so that did not make sense. I said okay then let 's do {$2500.00} and tomorrow I will purchase the rest. Nope that didn't work, now the agent placed me on hold to get someone else and she never came back. 40 mins spent with the 1st agent and the manager in store said we can try tomorrow since I had my kids and they were hungry. While driving away I called again and another agent said the issue was that of the virtual card and the store needs to pull my account and charge it that way. Okay back to the store and nothing I called again and was given a different answer and it was because the card number was being entered manually I asked to speak to a manager and was hung up on, called again asked for a manager and I was transferred then call dropped. I called again and was finally able to get a Sr. Specialist named XXXX and he said that there is a known issue for newly opened accounts and they are trying to fixed eta 3 days. I advised XXXX that he needs to provide that Information out to the phone agents since all of them were giving me different answers. I called today XX/XX/2023 to check into this " known issue '' and I spoke to XXXX. He gave me another reason why the card isn't working, It's the virtual card issue use the account number he said. I asked to read the notes on the account left be XXXX and then he said oh yes yes wait 3 days or the card that will come 7-10 business days. No one knows what is going on and I am left with no purchase an account that was opened and unable to use because of " known issues '' that no one knows about.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I had a check stolen from the US Postal box in XXXX Ohio. It was then forged and presented to the XXXX XXXX XXXX in the amount of {$6000.00} in XXXX of XXXX  After apparently cashing this check XXXX recognized it as fraudulent and called to tell me they were marking it as such. 
I then filed a police report and contacted Huntington bank where my account is and was told I would be reimbursed the funds. 

I have now been waiting close to a year for that reimbursement. I have sent countless emails requesting updates to my contact at Huntington and consistently been told that they are waiting for XXXX  to complete their " investigation ''. I'm not sure what there is to investigate when XXXX was the one to initially inform me about the forged check. 

I am not sure if you are the place that can help me with this but if not, could you point me in the right direction?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: BROKER SOLUTIONS, INC.
State: CA

Complaint narrative:
Company : New American Funding Mortgage Loan Officer : XXXX XXXX XXXX XXXX VA Mortgage Closed : XX/XX/XXXX Summary : Lender incorrectly disclosed annual property taxes during loan processing and upon closing of our mortgage. Six months after closing and moving into our new home, New American Funding discovered its error and passed the burden of the shortfall onto us. We are bearing the responsibility for their mistake. 


We closed on our VA mortgage with New American Funding ( NAF ) on XX/XX/XXXX. On XX/XX/XXXX, NAF ran an analysis of our escrow account ; they discovered they had incorrectly calculated the annual property tax information when creating our loan estimates, closing disclosure, and subsequent mortgage and note documentation. 

NAF notified us that an additional {$310.00} would be added to our mortgage payment every month, for as long as we own the home. Additionally, because the escrow account had been shorted every month since we moved in, we would need to pay another {$270.00} every month for a year, to correct the shortage created by their error and the hardship would be passed on to our family. When initiating the original loan process, we tried to be responsible and buy a home in which we would be comfortable with the monthly payments and had a specific budget in mind. With this new additional payment, this home is now out of our budget. If the correct payment of our mortgage had been disclosed at any point during the loan process, we would have searched for a different home to fit within our familys budget. 

After numerous conversations, New American Funding did concede to cover the back shortage ( {$270.00} x XXXX = {$3200.00} ) ; they consider the matter settled. I told them I did not consider this matter closed because we are still expected to pay an additional {$310.00} every month, which is {$3700.00} per year or {$110000.00} over the 29.5-year life of the mortgage from that point.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 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: GA

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 U.S.C 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX amount XXXX. These persons 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 agency can not furnish an account without my written instructions.

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. These laws protect me from being abused by the consumer reporting company which have assumed this responsibility of furnishing my consumer report and and it has to be 100 percent accurate.

15 U.S.C 1681 ( a ) ( 3 ) consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers This is the laws set in place by Congress to protect my rights.

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 2023-02-28 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: PA

Complaint narrative:
On XX/XX/XXXX I contacted credit bureau to inform them and request that they were several hard inquiries done without my authorization or verification. I explained to them that I had 1st contacted the company that That was responsible for the hard inquiries and at which time they reported there was nothing they can do for me And that if it was fraud I should contact the credit bureau 's. Representative at XXXX stated there was nothing they can do for me either And that I should contact the consumer finance department and follow report there The following inquiries were made on XX/XX/XXXX XX/XX/XXXX and XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XXXX XXXX 2022 I was given an offer while paying my Citi Bank credit Card. The offer was as follows : Enroll in a high yield savings account and receive a bonus offer up to {$450.00}. 

I opened the account and funded it immediately with {$50000.00}. I was to maintain that balance for 60 days and whatever the balance was on the XXXX day and maintained 60 days after the XXXX day would determine the bonus After an additional 30 days, I would receive the bonus. 

I fulfilled all these requirements and have not recived the funds. 
I have opened a case ( # XXXX. 
the case was opened on XX/XX/XXXX. I have called repeatedly and told the case is ongoing by one person and closed by others. 

The bonus offer code is XXXX XXXX 
I have a confirmation email outlining the the requirements and I have fulfilled them.

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 2023-02-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: NAVY FEDERAL CREDIT UNION
State: MO

Complaint narrative:
I, XXXX XXXX, Original Creditor and Natural Woman/Man hereby rescind my consent to be liable to perform on the contract agreement i entered with XXXX XXXX XXXX XXXX XXXX XXXX 
I entered into this contract agreement with XXXX XXXX without 1 ). Full disclosure of my right to rescind 2 ).

Transparency regarding the process of the consumer credit application being the financial asset ( 12 CFR 360.6 ( 2 ) ) as well as self-liquidating paper ( 17 CFR 260.11b-6 ) ). I have reason to believe that XXXX XXXX willingly and knowingly took advantage of me and my consumer credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 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: TX

Complaint narrative:
My information was stolen years ago due to that XXXX data breach. I need your help in requesting that the CRA 's block the fraudulent information listed on my reports. Thank you

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 2023-02-28 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:
My information was stolen years ago due to that XXXX data breach. I need your help in requesting that the CRA 's block the fraudulent information listed on my reports. Thank you

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 2023-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST CITIZENS BANCSHARES, INC.
State: CA

Complaint narrative:
According to our bank someone accessed our accounts using First Citizens Bank online banking system and stole {$130.00}, XXXX XXXX. The bank claims that they are not responsible for replacing these funds because the person who stole the funds used our username and password. The bank never confirmed which username or password was used. The bank 's fraud department handled the calls incorrectly and FCB agrees that the fraud calls were not handled correctly. The bank agrees that we the customer have never made any ACH transactions using their online system. The bank knows that we do not make these transactions, the amount of money sent or to those types of vendors. The bank employee confirmed that the services provided by the bank were not set up correctly ( these services were set up by FCB employees ). The bank fails to prompt their customers to do 2 step authentication or change their passwords. FCB assumes no responsibility for waiting over 24 hours to reverse the transactions fraudulently made. First Citizens Bank does not care about their customers or safe guard their customers money. They only said to file a police report and report it to the FBI. Their processes and procedures for fraudulent activity are non existent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I am writing to dispute an account on my credit report that was reported by BANK OF AMERICA on XX/XX/2019. The ownership reason for this dispute is that I have no knowledge of this account. 
Upon reviewing my credit report, I noticed that there is an account that I am not familiar with, and I have never opened or used any services from BANK OF AMERICA. Therefore

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 2023-02-28 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Westlake Services, LLC
State: WI

Complaint narrative:
There was a judgement for {$7300.00} from Honor Finance LLC on XX/XX/XXXX. Honor Finance LLC is no longer and existing company. Honor Finance LLC was indicted by the United States Department of Justice on XX/XX/XXXX and subsequently dissolved all it's assets as a legitimate business and company.

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 2023-02-28 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: FL

Complaint narrative:
They are reporting my car was charged off with a bankruptcy but its not true. It was paid as agreed and the same company gave me a new loan on my car. They refused to remove it without a fax from my attorney and the court showing it was not part of the bankruptcy. We did that and now they say the file is large that the attorney sent and they will get back to me after they make a decision. I was never late in 4 years!!! Please get them to correct my credit report. Experian and the others

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 2023-02-28 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: VA

Complaint narrative:
XX/XX/XXXX2023 XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Virginia XXXX SSN : SS # : XXXX DOB : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report. The following accounts have been reported incorrectly and I would like them to be investigated and corrected : XXXX XXXX XXXX XXXX : Late payment account ( XXXX ) XXXX : Charge off account ( XXXX ) XXXX XXXXXXXX : Charge off account ( XXXX ) XXXX XXXX : Charge off account ( XXXX ), Charge off account ( XXXX  ), and Charge off account ( XXXX ) XXXX XXXXXXXX XXXX : Charge off account XXXX XXXX ) XXXX XXXX : Charge off account ( XXXX XXXX, Charge off account ( XXXX ), and Charge off account ( XXXX ) XXXX : Charge off account ( XXXX ) XXXX XXXX XXXX XXXX Collection account XXXX  XXXX ), Collection account XXXX XXXX ), Late payment account ( XXXX ), and Late payment account ( XXXX ) XXXX XXXX XXXX XXXX Collection accounXXXX ( XXXX ) XXXX XXXX : Collection account ( XXXX ) I believe that some of these accounts may have been reported in error or contain inaccurate information. I would appreciate it if you could investigate these accounts and correct any errors that you may find. 

Please provide me with a written explanation of the results of your investigation and any actions taken to correct these errors. Also, please provide me with a copy of my updated credit report once these corrections have been made. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 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: PA

Complaint narrative:
On XX/XX/XXXX I contacted crefit bureau to inform them and request that they were several hard inquiries done without my authorization or verification. I explained to them that I had 1st contacted the company that That was responsible for the hard inquiries and at which time they reported there was nothing they can do for me And that if it was fraud I should contact the credit bureau 's. Representative at XXXX stated there was nothing they can do for me either And that I should contact the consumer finance department and follow report there The following inquiries were made on XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/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 2023-02-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
As of XXXX XXXX XXXX XXXX for amount {$250.00} was reporting this account to my consumer report see attached documents they removed and it is no longer reporting to XXXX. They are currently reporting to my trans union and they are stating false and misleading information claiming that it is verified when it has already been removed. You are in violation and the information that is being reported 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 2023-02-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: NY

Complaint narrative:
I have never been contacted by this agency yet the collections accounts are showing up on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 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: CO

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account with Comencitycapital/XXXX  XXXX has violated my rights. 

15 USC 1681 Section 602 States I have right to privacy.

15USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furniss an account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under any opens end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: MI

Complaint narrative:
I have tried numerous times contacting Lexis Nexis to provide verification of any such bankruptcy. And was told numerous times to contact XXXX, who in turn placed me back to Lexis Nexis. A representative at Lexis Nexis continues to state again that I need to contact XXXX again. Lexis Nexis has continued to fail in providing verification of such record. I requested Lexis Nexis if they are not able to provide any sort of paperwork and verification, that I requested to have the information deleted from my file, which they did not do. And that I would be filing a CFPB, FTC, and State Attorney Generals complaint as well as leaving an unfavorable XXXX review.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
On XX/XX/2023, I checked my credit report and noticed that my credit score went down. It was due to a hard inquiry from Comenity Bank/XXXX XXXX XX/XX/2023. However I did not apply for a card on that date. I also noticed Comenity Capital Bank, XXXX XXXX XXXX and Comentiy BankXXXX also had several soft inquiries into my credit on that same day. 

On XX/XX/XXXX, I called XXXX ( XXXX ). They said that no credit card was applied for in my name. So I believe this hard inquiry was done in error. 

I spoke with XXXX who said this hard inquiry would be removed from my credit report but wanted to file a complaint here as well.

Company response to consumer: Closed with non-monetary relief