vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
In XXXX of XXXX  on a Saturday my daughter was fraudulently offered a deposit that she could use if it was successful in reaching her account. She spoke with USAA and two separate reps talked her through the details. The funds were released because of strong history and she send {$600.00} to the scammer. 

That Monday I called the bank, notified them if the fraud, and disputed the {$600.00} XXXX transaction off the {$1500.00} deposit. USAA rejected the deposit, provisional credit was given on the disputed transaction, and I thought finalized. 

I just received documents that USAA fraud team is now saying the {$600.00} transaction was not fraud and we are liable. That cant even make sense when the entire transaction was fraud. 

A police report was filed. Ive begged to speak with the fraud team, which is impossible. I worked in banking for 18 years. I know this entire transaction is fraud. Im desperate to get this resolved correctly. 

USAA is holding a victim accountable as if we are the criminals. Im so hoping CFPB can help.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: HI

Complaint narrative:
I don't like the fact that they are asking me what I'm going to do with the card that they are refusing to give. Its not there job to ask!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian has been very professional in working on my case. And very helpful. 

The website, however, will not allow any uploads. I have been attempting to upload it since last week changed it to all black and white docs and PDFs, and modified docs several times, but it still says I can not submit documents. 

SO this is just an issue with the tech in being able to upload documents only-

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 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Lennar Financial Services, LLC
State: TX

Complaint narrative:
Never served, subpoena received or eviction listed on record. Divorced XXXX XXXX, XXXX, finalized XXXX, debt letter shows released from credit responsibility. This was prior to listed eviction of XX/XX/XXXX. Moved out of home with signed lease XX/XX/XXXX and move in XX/XX/XXXX, attached. Never had a forwarding address. Please remove eviction from RECORD for XXXX XXXX. Currently, realpage tenant screening denied approval of apartment due to this false Eviction upon my behalf. Information is inaccurate, I never stood before the court, this is preventing shelter for single mother and son!

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 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I recently reviewed my credit report and I noticed inquiries I did not authorize. I have no knowledge of these inquiries please remove them from 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 non-monetary relief
Consumer complaint received 2024-02-26 00:00:00
Product: Credit reporting 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: MO

Complaint narrative:
Per the fcra as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given u written unwritten verbal and non verbal per 15 USC 6802.

Upload to cfpb have u tried to remove : yes For inquiries use 15 USC 1681 permissible purposes : 16 cfr 313 privacy of consumer information.

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 2024-02-26 00:00:00
Product: Credit reporting 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: MO

Complaint narrative:
Per the fcra as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given u written unwritten verbal and non verbal per 15 USC 6802. 
Upload to cfpb have u tried to remove : yes For inquiries use 15 USC 1681 permissible purposes : 16 cfr 313 privacy of consumer information.

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 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
NAVY FEDERAL IS ILLEGALLY REPORTING DEBT WITHOUT VALIDATION OR PROOF OF HOW LATE ACCOUNTS WAS VALIDATED. 

XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX ( XXXX XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX XXXX ) XXXX ( XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX This letter is to formally request that you cease and desist from reporting false late payment information to credit bureaus and other reporting agencies. It has come to my attention that you have inaccurately marked my account as being late on payments, which has had a negative impact on our credit score. 
I demand removal of this late payment. I demand you to furnish evidence that your reporting mechanism is not defaulted or there is no default in your reporting mechanism. It is an unfair act for late payments to be reported. It is a violation of the law, invasion of privacy, Pursuant to 16 CFR 444.4 It is an Unfair act of practice. 
Pursuant to FDCPA Late payments must be verified/ validated prior to them being placed on a consumers report. Please furnish evidence and proof not statements on how you verified the late debt. Statements are hearsay in the court of law. 
Who did you speak to? 
License number? 

Systems have outages all of the time. Please do not send any statements. I will question the authenticity of any statements sent. I demand removal for failure to produce the reporting mechanism. It is alleged until it can be proven. With no supporting evidence it must come off the report. 
Please move forward with the above request. Failure to complete request I will sue for each violation not limited to but including reporting information without my consent, invading my privacy, and defamation of character under permissible purpose ( 15 usc 1681 ) We trust that you will rectify this mistake promptly and ensure that our credit report reflects accurate and up-to-date information moving forward. 

Sincerely, 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 2024-02-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I applied for a capital one venture one card, they advertised while applying that this card comes with a welcome offer for bonus miles and 0 % apr for 15 months. ( See attached ) However after applying and getting approved the welcome offer was not available to me. In the approval email I received they mention that I will not get the welcome offer ( see attached ) I called up the bank for a explanation and they answered something along those lines we can not tell you the reason youre not eligible because this happens automatically through the system, but in the terms and conditions we mentioned that eligibility will be determined after approval however the terms & conditions does not say anything like that, ( see attached. I meet all requirements mentioned in the term & conditions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: CT

Complaint narrative:
Vanilla Visa prepaid gift cards are a scam. The cards get declined and are unusable. Calling the company accomplishes nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I am writing in regards to a denial, I believe was a mistake. When I signed application for services I became an investor into your corporation where you then transferred my note/security/receivable into synchrony card funding LLC, immediately after transferred to synchrony card issuance trust, thus gaining interest once transferred into the primary market until maturity. The principal amount is owed to me and should be deposited into my TDA where it then becomes a Savings Bonds. I've thoroughly reviewed your terms and conditions AGAIN after receiving denial letter and there is no evidence or full disclosure backing your reasons for denial. What I found more interesting is on the denial letter it states ''the credit score may differ from the score you obtain from a consuming reporting agency '', so how was a decision made based off an inaccurate credit score? In accordance to your Indenture Trustee Agreement Section 2.06 ( Exchange and Registration of Transfer of Securities. Securities of any series may be exchanged for a like aggregate principal amount of Securities of the same series of other authorized denominations ). Denial letter attached is proof of securities fraud and you are not performing or upholding your duties as agreed upon. I am requesting that my no preset limit XXXX XXXX XXXX be mailed to address registered, I will then use my interest coupon dividends each month to satisfy payment on account. FAILURE TO COMPLY I WILL BE FORCED TO REPORT YOUR WRONGFUL USE OF SECURITIES TO THE IRS AND ALL OTHER APPROPRIATE OFFICIALS. I have uploaded denial letter and terms and conditions, so that maybe I can receive a clearer understanding of how and where the reasons for denial came into play.

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 2024-02-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: AL

Complaint narrative:
I submitted a loan consolidation request to Federal Student Aid on XX/XX/XXXX. As of today, XX/XX/XXXX I've heard nothing on the status of the applicaition. I called XXXX since I chose them as the loan servicer and they said they have not recieved information about my loan from American Education Services. I want to file complaint about both XXXX and American Education Services for being non-responsive to my loan consolidation application.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 00:00:00
Product: Credit reporting 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 urgently urge you to promptly remove the unauthorized accounts from my credit report, as I did not authorize them and they are causing me considerable distress. Please rectify this error swiftly.

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 2024-02-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I am writing to file a formal complaint regarding my recent experience at your branch onI visited the branch XXXX XXXX XXXX XXXX XXXX XX/XX/2024 the intention of applying for a no-documentation business loan, as per my scheduled appointment with XXXX at XXXX XXXX. 

Upon arrival, XXXX thought that I needed to open a business account, which was contrary to my original intent. Despite my explanation of seeking a no-doc loan, he proceeded to initiate an application and requested my social security number. Feeling uncomfortable, I questioned the necessity of providing this sensitive information for a no-doc loan application. 

To my surprise, XXXX insisted on obtaining my social security number, citing the need to start a business line of credit. It became evident that he was steering me towards applying for line of credit instead of the initial product I sought. Throughout the process, I felt misled and uninformed about the options available to me. 

Furthermore, I expressed concern when XXXX retained a physical copy of my social security number. Despite my request to shred the document for security purposes, my request was not honored. 

My primary grievance lies in the mishandling of my personal information and the misleading tactics employed to push me towards a different product than originally intended. I believe that my trust as a consumer was violated, and I urge PNC to investigate this matter promptly. 

I appreciate your attention to this matter and request a thorough review of the incident. Additionally, I seek assurance that my personal information has been handled securely and in accordance with relevant privacy regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Westlake Services, LLC
State: GA

Complaint narrative:
WESTLAKE PORTFOLIO MANAGEMENT IS ILLEGALLY ATTEMPTING TO COLLECT DEBT WITHOUT A LICENSE TO COLLECT IN THE STATE OF GEORGIA. 

WESTLAKE PORTFOLIO MANAGEMENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2024 Account : XXXX This letter is to formally request that you cease and desist from reporting false late payment information to credit bureaus and other reporting agencies. It has come to my attention that you have inaccurately marked my account as being late on payments, which has had a negative impact on our credit score. 
I demand removal of this late payment. I demand you to furnish evidence that your reporting mechanism is not defaulted or there is no default in your reporting mechanism. It is an unfair act for late payments to be reported. It is a violation of the law, invasion of privacy, Pursuant to 16 CFR 444.4 It is an Unfair act of practice. 
Pursuant to FDCPA Late payments must be verified/ validated prior to them being placed on a consumers report. Please furnish evidence and proof not statements on how you verified the late debt. Statements are hearsay in the court of law. 
Who did you speak to? 
License number? 

Systems have outages all of the time. Please do not send any statements. I will question the authenticity of any statements sent. I demand removal for failure to produce the reporting mechanism. It is alleged until it can be proven. With no supporting evidence it must come off the report. 
Please move forward with the above request. Failure to complete request I will sue for each violation not limited to but including reporting information without my consent, invading my privacy, and defamation of character under permissible purpose ( 15 usc 1681 ) We trust that you will rectify this mistake promptly and ensure that our credit report reflects accurate and up-to-date information moving forward. 

Sincerely, 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 2024-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to report a distressing incident involving unauthorized withdrawal and fraudulent activity on my Wells Fargo checking account ending in XXXX. On XX/XX/XXXX, {$2000.00} was unlawfully withdrawn without my knowledge or consent. 

Despite my immediate action to report the incident to Wells Fargo and provide detailed information, including dates, amounts, and account specifics, they closed my case without addressing the clear evidence of fraud. Additionally, further investigation revealed unauthorized phone transfers from my savings and the use of a new debit card I never received. 

What is particularly alarming is that Wells Fargo 's security protocols, which typically alert me to withdrawals over {$500.00}, failed to function in this instance, raising serious concerns about their ability to safeguard customer accounts. 

I seek your urgent intervention to rectify this situation, ensure a thorough investigation, and hold Wells Fargo accountable for reimbursing the stolen funds and implementing robust security measures to prevent such incidents in the future. 

Thank you for your prompt attention to this matter.

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 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GOLDMAN SACHS BANK USA
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX APPLE CARD - GS BANK USA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Notice to Agent is Notice to Principal, Notice to Principal is Notice to Agent Apple Card, You have recklessly furnished an alleged transaction on my XXXX, XXXX, and XXXX reports, falsely labeling them as late. Let me remind you of the law : 15 U.S. Code 1681a - Definitions ; rules of construction clearly states that the term consumer report excludes reports containing information solely regarding transactions or experiences between the consumer and the reporting entity. My dealings with your company fall squarely within this exclusion. Therefore, you have absolutely no right to include my transactions and experiences in my consumer reports. 

Furthermore, according to 15 U.S. Code 1666b - Timing of payments, a creditor like yourself may not deem a payment late unless you have adopted reasonable procedures ensuring that each periodic statement, as required by section 1637 ( b ) of this title, is mailed or delivered to the consumer no later than 21 days before the payment due date.

In light of this, I demand that you provide concrete proof within the next 10 days that the necessary information, as stipulated under 15 USC 1637 ( b ), was indeed mailed or delivered to me 21 days prior to the payment due date. Failure to comply will only affirm your infringement of the law. 

Do not insult my intelligence by parroting that you are furnishing accurate information or that it is verified. You have provided no evidence of compliance with section 15 USC 1681a ( 2 ) Ai and 15 USC 1666b & 1637 ( b ). Your baseless claims are not only invalid but also insulting. 

Should you fail to provide the required evidence of compliance with section 1666b, you are not entitled to treat any payment as late. Thus, you would also be in violation of section 15 USC 1681s-2. You have 10 calendar days from receipt of this notice to either furnish the demanded information or delete the transaction you falsely labeled as late. 

Sincerely, XXXX XXXX Without Recourse XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-26 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with renewal
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
13 month CD opened at Wells Fargo Branch, ( branch now closed ) -- > XX/XX/XXXX OPENING CERTIFICATE DEPOSIT {$29000.00} attempted to close the CD over the phone at the Maturity Date XX/XX/XXXX was told that changes cant be made until maturity. So no change to account. Was informed that I could call and make changes in the grace period to renew for another term or close the account. 

Called back during the grace period to renew the certificate at the 7 month 5.01 % APY rate. Was told that it is not in fact possible to make the transaction over the phone, and I would be required to arrive in person. I was traveling and unable to come in person to the branch. Upon my return home I visited the branch in-person during the grace period and was told that they couldn't meet and carry out my transaction because there was no " banker '' on staff. 

Then, was also informed that because I am outside the grace period I have a penalty for changes now. I was told on the phone in XXXX, that the grace period was 7 business days, and then they said it was 7 calendar days. Its also not clear when the 7 days counting begins? At the maturity of the original CD or from the renewed deposit date for the current account? 

A combination of unfair and deceptive practice by the Bank and its employees have resulted in a lost opportunity for free and fair choice in managing my accounts, while also incurring fees imposed by the Bank.

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