vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XXXX, I was going to lease a house and wired a security deposit and first//last month rent to XXXX XXXX XXXX via my Bank of America account XXXX XXXX XXXX Account XXXX I signed the lease agreement and the property was never made available. upon finding out the property was not available and realizing it was a scam I contacted Bank of America and filed a fraud claim on XXXX. I provided Bank of America with all the documents I received, lease agreement, information on the person that put the property for lease and all their bank information. Bank of America initiated a fraud claim. I constantly called to get updates and Bank of America XXXX and fraud department wound tell me that they needed to extend the investigation. After months of not hearing from them I called on XXXX and spoke to XXXX in the Check and XXXX Department and she XXXX XXXX XXXX XXXX case was closed and my funds were not recovered. Bank of America never sent me any notice or kept updated on the investigation. Amount lost : {$11000.00} Claim Number : XXXX On XX/XX/2023 I was contacted by XXXX XXXX Resolution XXXX at XXXX of XXXX XXXX She told XXXX Bank of America is not going to get my money back from XXXX bank. She stated I can call XXXX Bank and ask for my money back. 

I contacted XXXX Bank and was told these claims are handle bank to bank. I was told by XXXX bank I can not do anything and to have my bank contact XXXX Bank. Bank of America is giving me inaccurate information in an effort to circumvent returning my money and closing my claim.

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 2023-06-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: QC HOLDINGS INC
State: MO

Complaint narrative:
THIS COMPANY IS PREDATORY! THE INTEREST RATE IS OVER 300 %! I SUBMITTED AN APPLICATION THAT WAS APPROVED PENDING VERIFICATION. I CALLED AND SPOKE WITH A REP AFTER SUBMITTING A PAYSTUB AND WAS ADVISED TO SEND ANOTHER XXXX. I PROVIDED ANOTHER REFERENCE ALSO. I SENT ANOTHER PAYSTUB AND CALLED BACK. THIS NEW REP ADVISED ME THEY HAVE MY DOCUMENTS BUT THE APPLICATION WAS CANCELED. THEY TRIED TO CONVINCE ME TO SUBMIT AN IN STORE APPLICATION. I DECIDED TO CALL THE STORE AND WAS TOLD THEY HAVE NOTHING TO DO WITH THE ONLINE APPLICATIONS. I ASKED TO BE REMOVED FROM THE MAILING LIST. SHORTLY AFTER THAT, I RECEIVED A DENIAL EMAIL. I FEEL I WAS GIVING AWAY MY PERSONAL INFORMATION FOR NOTHING. I HOPE THEY DONT SELL IT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Bank of America closed XXXX of my credit accounts due to inactivity on my accounts. Last activity was XX/XX/2021. I had XXXX Balances on both card. I had used these card XXXX year they were my oldest card. I only received letters that accounts were closed due to inactivity no other notification no warning that i should use my card other vise would close. This now caused my credit score to drop XXXX points. Which also affecting my line of credit for my business. This caused my credit history length to shortened some XXXX  years. Why would not receive a notice at least. I had been royal client. I am looking for my legal rights as a credit card holder. I feel like I am being discriminated. Their action with out any notice damage my score deeply. They are telling me they won't be able to re open my account. LosXXXX XXXX  years of credit history and cant even access my account statements just wiped out. Please Help. 

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 2023-06-28 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: National Credit Systems,Inc.
State: OH

Complaint narrative:
There is an account on my credit report from National Credit Systems in the amount of {$830.00} dollars. It says it is from an apartment that I used to live in. I have no idea why this would pop up. I paid all rent and there is no negative information on my rental report that would show a balanced owed to XXXX XXXX XXXX. Furthermore, when I moved from XXXX XXXX to my new apartment, they sent a rental verification to my new apartment. It says that all rent was paid, never late, and that I would be a candidate for another lease If I wanted. 

This is not the first dispute Ive encountered with this company. I had to be moved from one of their other properties to their XXXX XXXX property after excessive and suspicious fees left and came back into my checking account several times. Luckily I was able to handle this internally with the management company. 

I am trying to handle this issue with the management company directly. Unfortunately, they are being very unresponsive. I have gone to their website and put in my information to receive a call from them to resolve this 3 times. They have not reached out to me at all. I have also tried to call their corporate office for an explanation. They do not answer their phone it goes to a full mailbox so I can not leave a message either. I even went as far as posting my issues on their XXXX page in the hopes somebody would reach out. This was also unsuccessful. This is why I am here filling out this complaint in the hopes I will get some clarity on this issue. 

I have documentation to back all of the claims made here.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Please note that while this complaint is related to complaint # XXXX, it is materially different, as this complaint pertains to failure to provide an adverse action notice that complies with the law and the inconsistent, lack of knowledge on applicable laws by your customer service department. Between XX/XX/XXXX and XX/XX/XXXX, I have spoken with more Synchrony associates than I ever cared to even know were in your employ. A vast majority of those associates have taken extremely negative tons with me since you closed my accounts. They've been condescending, accusatory and most concerning have provided in accurate information. They have also repeatedly stated that my accounts were closed after a review of my credit report, however the letters I received to tell me you had taken this action fail to include the information you are legal obligated to provide. 

If you take adverse action based on information in a consumer report, you must tell the consumer. Your notice may be oral, written or electronic ; it must contain certain information : FCRA 615 ( a ) 1. the name, address and phone number of the CRA ( including a toll-free number for nationwide CRAs ) that supplied the report 2. a statement that the CRA didnt make the adverse decision and cant explain why the decision was made 3. notice of the consumer 's right to a free copy of their report from the CRA if they ask for it within 60 days FCRA 612 4. notice of the consumer 's right to dispute the accuracy or completeness of any information provided by the CRA FCRA 611 5. the consumers credit score, if a score was used

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 2023-06-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Sombrero Capital LLC
State: FL

Complaint narrative:
I've reached out to this mortgage company I was behind in my mortgage asked for statement off all delinquent charges, I paid what was owed now they are saying I still owe all these fees after they received over {$26000.00} .... Promised to be contacted by CEO nothing resolved and this has been since XXXX...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DISCOVER BANK
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX bought a debt from Discover Bank on a credit card. Sent illegal letters threatening litigation, and refused to follow federal guidelines outlined in the FCRA to validate the debt. The last request to validate the debt was sent in XXXX of XXXX, the first requests were sent to Discover in XXXX. Neither party validated the debt under the guidelines of the FCRA and are in direct violation of Federal law. 

The debt collector also violated the contract agreement with Discover and is attempting to use the legal system as a scare tactic even when the contract with Discover states neither party can use the court system. 

Discover claims charges were reversed, bank statements with XXXX XXXX XXXX ( the bank used to make the payments ) show the payments, totaling over XXXX XXXX USD did clear to Discover. Neither party has followed written or verbal requests to validate the debt and both refuse to follow Federal laws and regulations or even state laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-29 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. this list of accounts below has violated my federally protected rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX 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 written instructions 5 U.Sc. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S. 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 accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-28 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: EQUIFAX, INC.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. this list of accounts below has violated my federally protected rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX 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 written instructions 5 U.Sc. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S. 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 accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Upstart Holdings, Inc.
State: LA

Complaint narrative:
I was diagnosed with COVID 19 and out of work for a week beginning XX/XX/2023. I did not receive a full paycheck. 

I was recently diagnosed with XXXX XXXX and spent over a week in a XXXX XXXX XXXX. I called them to notify them of my situation on Friday XX/XX/XXXX and to see if there was any way to make a settlement or refinance the loan with a co-signer. I was told no one was available to discuss this option and I would be called back. I did not receive a call back. I called again on Monday XX/XX/XXXX and was left on hold and never was able to get anyone on the phone. I called again on Wednesday XX/XX/XXXX. I was told again there was no one available to take my call and that they would have someone call me back. This creditor has made no attempt to respond to my communications in reference to this loan. I am attempting to right my delinquency and have not been afforded the opportunity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: TX

Complaint narrative:
Dear US Bank, I am writing to address an issue regarding the {$500.00} bonus that I was supposed to receive upon signing up for a business checking account with your institution. Unfortunately, it appears that the promised bonus has not been credited to my account. 

During a conversation with XXXX on XX/XX/XXXXXXXX  regarding my US Bank XXXX XXXX XXXX account, she assured me that the {$500.00} bonus would be forthcoming. On XX/XX/XXXX, I funded my account with an amount of {$3000.00}. Subsequently, I encountered a situation where the agent failed to provide proper assistance in setting up paperless statements, resulting in a {$6.00} fee waiver. However, through a co-browsing session in XXXX, I independently discovered the requirement to enroll in paperless statements using my mobile device. I promptly completed the sign-up process, but the {$500.00} promotion did not appear in my account. 
I understand that oversights can happen, and I genuinely believe this issue can be resolved amicably. Therefore, I kindly ask for your help in rectifying this situation by applying the {$500.00} bonus to my account, as originally promised. 

For reference, the last four digits of my account number related to this matter are XXXX. 

I appreciate your prompt attention to this matter and look forward to a resolution. Please feel free to contact me at your earliest convenience.

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 2023-06-28 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
XXXX had received several complaints they resubmitted a complaint filed XX/XX/XXXX, and resubmitted the complaint XX/XX/XXXX on their own without me asking so they could get an additional 30 days. XXXX continues to keep bankruptcy on my report when I have a letter from the court saying they do not send information to the credit reporting agencies, also XXXX states they also have removed the bankruptcy from my report. Instead of removing it and credit blocking, they keep it on when these were the result of identity theft. I sent the federal trade commission letter with my state ID, and a police report they still don't care. I'm currently trying to purchase a house and they continue to leave invalid information on my report. They do not want to help me every agent hangs up on me including agent XXXX, XXXX, XXXX. I have been locked out of thier website for the past 2 weeks I belive this is on purpose it says to give agent code XXXX  none of the agents know what this is about one agent says its for my ID but they have my ID on file as I sent it in the mail around the end of XXXX which has been confirmed by all agents.

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 2023-06-28 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: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
This account was opened on XXXX 2022. There has been only XXXX purchases and XXXX payments. While I was setting up the payment information, I typed the wrong routing number. I contacted the company right away to let them know. Still the company try to do a collection which it did not go thru due to wrong account. To prevent my payments to be late I made a payment, with no difficulty since I had already straightened the problem. On XX/XX/2022 the statement is telling me I have a balance which is completely wrong as I had already paid more than it was due to bring the account to zero. I am still been charged for the first payment that was schedule that did not go thru. I have contacted the company XXXX times. I have records with time and dates. XXXX of the times I have written to the company explaining the issue. I printed All the statements so they can see were the problem is, hoping they will go month by month as I have requested multiple times. I really need helped with this. Just getting aggravated when dealing with a huge company. Ready to send you more info. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28 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: California Business Bureau, Inc.
State: CA

Complaint narrative:
Account # XXXX XXXX {$11000.00} Account # XXXX XXXX {$1300.00} Account # XXXX XXXX {$4300.00} Account # XXXX XXXX {$20000.00} Account # XXXX XXXX No action was taking by me I have no knowledge of these account.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I opened an account with Citibank on 2017 for an XXXX XXXX card. It had an annual fee of {$95.00}. However at some point in the last 2 years they transitioned the card to something called Citi Premier Card which had none of the rewards or any connection to XXXX. Rather than informing me, they kept billing me {$95.00} despite the fact that I had not signed up for that card and was not getting any of the benefit of the XXXX card. 

Last month I closed the account and was promised that the {$95.00} annual fee would be returned. However, I found out today that despite that promise the {$95.00} fee was still applied despite the fact that I had closed the account and had never used the premier card.

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 2023-06-28 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Dear [ Equifax / XXXX XXXX XXXX XXXX XXXX I am writing to request an investigation of the following information on my [ Equifax / XXXX XXXX XXXX XXXX credit report : Dispute XXXX : The charge-off of an obligation with [ XXXX ] is incorrect. The following is the identifying information of the error : Account # [ XXXX ] Date of incorrect reporting : [ XX/XX/XXXX ] [ XX/XX/XXXX ] Explanation of my dispute : [ I am the victim of identity theft, and I did not open this account ] Dispute XXXX : The charge-off of an obligation with [ XXXX  XXXX XXXX  ] is incorrect. 
The following is the identifying information of the error : Account # [ XXXX ] Date of incorrect reporting : [ XX/XX/XXXX ] [ XX/XX/XXXX ] Explanation of my dispute : [ I am the victim of identity theft, and I did not open this account ] Dispute XXXX : an obligation with [ XXXX XXXX XXXX XXXX ] is incorrect. 
The following is the identifying information of the error : Account # [ XXXX ] Date of incorrect reporting : [ XX/XX/XXXX ] Explanation of my dispute : [ The creditor misreported my account, and all my payments are current ] Dispute XXXX : an obligation with [ XXXX XXXX XXXX ] is incorrect. 
The following is the identifying information of the error : Account # [ XXXX ] Date of incorrect reporting : [ XX/XX/XXXX ] Explanation of my dispute : [ The creditor misreported my account, and all my payments are current ] Dispute XXXX : an obligation with [ XXXX XXXX XXXX  ] is incorrect. 
The following is the identifying information of the error : Account # [ XXXX ] Date of incorrect reporting : [ XX/XX/XXXX ] Explanation of my dispute : [ The creditor misreported my account, and all my payments are current ] To further support my claim, I have attached documentation including : A copy of my credit report. 
identity theft complaint. 
Drivers license & SSN card Please let me know if any additional information is necessary to remove the charge-off and late payments from your records. I appreciate your assistance. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation