vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
Truist banking emailed me about a new online banking ID being created at XXXX XXXX XXXX on XX/XX/22. I contacted the company, and they said they reported it. 

XXXX  XXXX XXXX contacted me at XXXXXXXX XXXX XXXX on XX/XX/22 alerting me that someone attempted to open a personal checking account. I have a credit card with them, but not banking. I told them this was fraudulent, and they told that the person doing it used my SSN and date of birth and that I was a victim of identity theft. 

I called XXXX at XXXX XXXX XXXX on XX/XX/22 and placed a fraud alert. They said they would notify the other two 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 2022-07-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
The enquiries on my report are not authorized by, dont have any knowledge of it and I did not give approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following items to be in error : These inquires was not authorized, Please remove this inaccurate information from my credit report XXXX ). XXXX XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX XXXX. The following account is not mine XXXX XXXX XXXXXXXX Account Number : XXXX XXXX. Identity Theft XXXX XXXX CARD SER Account Number : XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX. The following information is outdated. 
XXXX  XXXX XXXX Account Number : XXXX XXXX. The following account is not mine XXXX Account XXXX : XXXX XXXX. The following account is not mine XXXX Account XXXX : XXXX XXXX. Identity Theft XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX. Identity Theft XXXX  Account Number : XXXX XXXX. The following information is outdated. Remove from my credit report XXXX XXXX XXXX  Account Number : XXXX By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report with the creditor who has posted them. 15 U.S.C 1681 section 602A. I have the right to privacy. 15 U.S.C 1681 Section 604A States Consumer reporting agency can not furnish a account without my written instruction.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-15 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
1. Please see attachments XXXX, XX/XX/2022. 
Had not heard from Chase 's XXXX XXXX over the XXXX XXXX XXXX that oversees the alleged {$30.00} billion Chase purported publicly to give to disadvantaged communities since CFPB had him phone me XX/XX/2022. Received his voice mail on XX/XX/XXXX and XXXX. As I was preparing to amend my prior complaint to CFPB on this Chase matter, XXXX XXXX XXXX returned my call. Apologized for having had not gotten back to me in nearly two months. He basically said they ( he and his team ) were unfamiliar on how to disburse the said funding despite XXXX XXXX into the XXXX XXXX funding period ; said that a few cities had received funding and I asked names. Reluctantly he said XXXX and XXXX. XXXX XXXX XXXX  said a large affordable housing project had received funding in XXXX but he hinted I would have to file FOIA to obtain from city of XXXX. I reminded him of our disadvantaged XXXX XXXX XXXX 's XXXX need for affordable housing, small business development, youth center construction and historic preservation, and that during our XX/XX/2022 conversation he had assured me we would receive funding from Chase. Now he's clueless but managed to fund entities in XXXX that really do not serve the disadvantaged but focuses on homeownership. In addition, XXXX XXXX XXXX  said Chase 's products must be made to accommodate the disadvantaged and that he could not give me any timetable on when we would receive funding. Chase 's priority is homeownership rather than affordable rental housing he said, XXXX XXXX XXXX  ' rhetoric was the standard we receive when an entity is lying about helping us. They tell CFPB what it wants to hear but does nothing to honor its stated commitment to help us. XXXX XXXX XXXX only clarified his position when I had asked to speak to the head person in Chase 's executive office. He merely said they would send me back to him. I thanked him and closed our talk. 
I then contacted Chase 's executive office and the intake person XXXX was clueless. All she offered was directing me to the Inspector General. 
Please add my previous complaint on this matter also. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
I closed the Fifth Third credit card and sent in the final payment of {$36.00}. They would not let me pay online or over the phone, so I had to send in the regular mail per their instructions. They said it was not received on time and continue to charge me late fees and interest. There was a {$1.00} interest they charged that has turned into {$160.00}, and now {$200.00}!! 
It's almost impossible to get ahold of a live person on the phone and often disconnects. I called XXXX XXXX and he has not returned my calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXccount # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 2022-07-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: PENTAGON FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Missing Transfers from XXXX XXXX to Pentagon FederaXXXX Accounts XX/XX/XXXX- I noticed my Pentagon Federal accounts were missing funds. 
{$990.00} missing from savings {$990.00} missing from checking XX/XX/XXXX I emailed documentation of the transfers through XXXX XXXX secure document portal showing the two completed transfers from XXXX XXXX to Pentagon FederaXXXX on XX/XX/XXXX. Pentagon Federal Case # XXXX. 

XX/XX/XXXX Received an email response from Pentagon Federal saying they were unable to assist and I should contact XXXX XXXX. 

XX/XX/XXXX I contacted XXXX XXXX. I was told that the transfers were completed on XX/XX/XXXX. 

XX/XX/XXXX I called Escalation Analyst XXXX XXXX at Pentagon Federal. He said he would check on the issue. 

XX/XX/XXXX I called XXXX XXXX at Pentagon Federal and was told The funds were rejected. XXXX XXXX XXXX. 

XX/XX/XXXX I called XXXX XXXX and was told the funds were transferred XX/XX/XXXX at XXXX pm. The funds were not rejected. 

XX/XX/XXXX I called XXXX XXXX at Pentagon Federal. He said he would reach out to another department and get back to me. 

XX/XX/XXXX XXXX XXXX at Pentagon Federal told me that the transfers made on XX/XX/XXXX through XXXX XXXX were rejected by Pentagon Federal on XX/XX/XXXX. There was nothing he could do. He suggested calling XXXX XXXX. 

XX/XX/XXXX I again called XXXX XXXX, again giving them MTCN number and date of the rejection. The XXXX XXXX representative said they never received the rejection.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 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: TN

Complaint narrative:
Im accordance with the fair credit reporting act XXXX account # XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX  Reported : 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  Inquiry : XXXX XXXX, XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681 section 604 A Section : It 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 2022-07-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
It was brought to my attention by my postal carrier that a change of address had been submitted in my name on XX/XX/XXXX. Once clarified that this was fraudulently submitted, he gave me mail that was set to be forwarded. In receiving this mail, I found a Bank of America credit card that had been opened in my name. The credit card was fraudulently opened in my name on XX/XX/2022 with a credit limit of {$4000.00}. I have notified Bank of America and they have closed the account and stated that notification would be sent to credit agencies. I have filed for credit freezes at XXXX, XXXX and XXXX and also have disputed the BOA credit card on my credit report at all three agencies. XXXX XXXX XXXX XXXXXXXX  was also notified about the fraudulent change of address request, my postal carrier was going to report it to his manager and a fraud report was filed with XXXX XXXX XXXX XXXX XXXX. Lastly, the local police have been notified and I am currently waiting to complete a police report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  XXXXXXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 604 A Section 2 : It 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 2022-07-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
This is for TransUnion company. I've tried to contact their customer service and was not willing to help me with getting the negative inquires off of my report. The following unknown and unaware to me inquires off of my credit report and deleted : 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 XX/XX/2022 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 2022-07-15 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX  Account XXXX XXXX XXXX XXXX  XXXX Account XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

XXXX5 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 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 XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Open a credit card with Bank of America. When I close my account it was paid in full. 3months later I check my credit score said it had a 90 day late charge from Bank of America XXXX I call and try to resolve it but Bank of America still left the charge on my credit score

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2022 I went to the Bank of America ATM at XXXX XXXX XXXX XXXX, Ca.. I made a cash deposit as I always do, in the amount of {$1000.00}. The ATM could not process the transaction and a message on the screen said there was a problem with the machine. I took a photo of that message. When I hit " continue '' it only recorded {$300.00} of my {$1000.00}! It was a holiday weekend and I could not reach anyone by phone until the following day. They gave me a temporary reversal of {$780.00} but today they took the money back!! This is MY money! How can this be corrected??

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 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: TN

Complaint narrative:
Im accordance with the fair credit reporting act XXXX account # XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Reported : 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 Inquiry : XXXX XXXX, XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681 section 604 A Section : It also states a consumer reporting agency can not Furnish an account without my written instructions. 

-

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 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: TN

Complaint narrative:
Im accordance with the fair credit reporting act XXXX  account # XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Reported : 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 Inquiry : XXXX XXXX, XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681 section 604 A Section : It 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 non-monetary relief
Consumer complaint received 2022-07-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I told them two weeks ago to stop calling my phone to talk to a person who isn't me. They have called me over 15 times within two weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP
State: TX

Complaint narrative:
USBANK Online mortgage application - Loan # XXXX. We completed all application requirements for a XXXX conventional mortgage with 20 % down for a second home in XXXX XXXX TX XXXX On the day of close, we were told that underwriting arbitrarily reclassified the loan as an investment property and that our funding, which was previously approved, was now disqualified. The decision was based on the buyer 's explanation section of the application in which we stated that our son would be living there while attending college. Under XXXX XXXX guidelines, a house may be classified as a second home as long as the owner maintains control of the home and lives on the property at least 15 days a year. I have reaffirmed multiple times to the lending team that the property will not be an investment property, will not collect rent and will not leave my control or go under any type of 3rd party management. USBank underwriting refuses to allow us to amend the omission on the buyers statement to include the language that we will live there at least 15 days a year. USBank is now suggesting that we add my XXXX XXXX XXXX son as the borrower and classify the house as a primary residence to bypass the gift fund restrictions on second homes and investment properties. Essentially, we are being asked by USBank to commit mortgage fraud and falsify loan documents to appease a single underwriter. We have been upfront and transparent regarding intended use of the home, source of funds, and all other qualifying factors for this loan. Not once during the 33 day loan process from application until the day of close were we told by anyone at USBank that the entire loan would depend on a single sentence in the buyer 's use statement. We meet all XXXX, XXXX, and Credit and Income requirements for a XXXX conventional note and USBank is using dishonest and discriminatory lending practices to disqualify us from this loan on the day of closing. US Bank has been negligent in their own due diligence and committed gross acts of omission throughout the course of this loan. Furthermore, USBank underwriting is actively encouraging the falsification of mortgage documents in contravention of federal guidelines for mortgage lending. USBank has also allowed forms to be corrected and resubmitted in their favor but refuses to grant us the same opportunity due to a mistake on a single form. Due to USBank 's malfeasance we were forced to go outside of the contract option period and will now lose our earnest money as well as our time and damage to our reputations.

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