vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
On XX/XX/XXXX, a BANK OF AMERICA checking account was opened with my personal information Claim number : XXXX. BANK OF AMERICA also -added a derogatory mark on my banking report history per BANK OF AMERICA XXXX After, I conducted my own thrall investigation I disputed the inaccurate addresses, and information associated with the fraudulent account. In results to the dispute, I won in my favor. On XX/XX/XXXX, I received a letter from Bank of America stating, after completing their research I was not the person responsible for the fraudulent account. The letter also stated Im allowed to open a checking account inside any Bank of America branch. On XX/XX/XXXX, I applied for a Bank of America checking account online. With a deposit of {$200.00} dollars from a debit card my application was immediately approved APPLICATION # XXXX. After several consecutive days of the new account opened. Bank of America closed my checking account, and never explained as to why. Im disgusted a Bank with such a popular name would treat their consumer in such manner. Regarding my deposit I never received, nor has Bank of America rest assured that I will receive my deposit back. Im highly disappointed this is a tough time in the economy. Inflation is high a person whos stressed for money has no time for a deposit thats not returned.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I am XXXX XXXX, and I am submitting this complaint on my behalf. I have been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report. I sent them letters over 30 days ago and they failed to get back with me and they failed to notate that these accounts were in dispute plus these accounts violate the FCRA and FDCPA these accounts must be deleted immediately.

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 2022-07-21 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX, has violated my rights by reporting late/no payments for the months XX/XX/2022, XX/XX/2022. The following account needs to be updated to payed in full. 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 hand written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Mercedes Benz Financial Services
State: CA

Complaint narrative:
Yes I extended my credit to the business which submitted application which is a legally binding contract and was denied. First I'm the original creditor extended my credit and can't be denied there was a finance charge which is to access my credit for me. On top of that I'm was treated very ruefully and unexceptional being denied a right that is lawfully mine. They have willing and knowingly lied and gave misleading information. This has affected my well being and livelihood I ask this be corrected as the law deems.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I used a CitiBank account while I did My XXXX XXXX at XXXX. I left XXXX $ deposited in that account now CitiBank says that they closed the account and they were not able to locate the funds, these were my savings.

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 2022-07-21 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: BARCLAYS BANK DELAWARE
State: SC

Complaint narrative:
On XXXX the XXXX I have purchased flights for my family in the amount of {$2000.00} with my Barclay XXXX rewards credit and. The credit card got declined a few times, there for my credit card was canceled and replaced by Barclay, on XXXX the XXXX the temporary transaction disappeared from my statement, Ive waited and the on XXXX the XXXX Ive called the merchant to check the status of the flights, the merchant told me that there was a problem with the money and that I need to call Barclay to have them release the founds, on the same day XX/XX/XXXX Ive called Barclay and the agent told me that he is not seeing any transactions and that he cant help me release the money for the flights, on XXXX the XXXX Ive canceled and rebooked the flights since my Barclay card got canceled Ive paid with my back on XXXX credit card. 2 days later on XXXX the XXXX the merchant changed me for the canceled flights. Barclay is not helping me resolve the problem they caused, I had them open a case but no one called me, I kept calling to let them know the situation, they just been promising that everything will be taken care of, now they closed the case please help

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 2022-07-21 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX on XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/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 response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
Went at the Branch XXXX BANK, XXXX XXXX XXXX XXXX Ca. 
Order foreign currency XXXX on XXXX XXXX They said they will call me went they have this money. I already paid XXXX for the exchange. Yesterday XXXX XXXX went at this bank ( the Director who did the transaction was on lunch time that mean she didn't come talk to me about this situation ) them I ask went the money will be there and no one can't tell me when the money will be at the bank. Call service XXXX BANK they don't care this situation. Call fraud service XXXX BANK again they don't care about this. Now, call the Branch a XXXX. No one answer the phone you can't leave any messages and talk with someone. Today XXXX XXXX they call me let me know my money was there???????? 

Why the bank take a week give me my money? This is fraud...

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 2022-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
I first initiated my XXXX withdrawal with my company on XX/XX/XXXX of XXXX dollars. I waited for over 3 weeks and saw no deposits into my account. I chose direct deposit option since I thought it would be faster. I called my retirement company and they said that the money had been deposited on the XX/XX/XXXX and had already been cleared. They advised me to go the bank and ask them about the deposit. I went to my Huntington bank and asked about it and they said that there was no deposit. I went to another bank and they said couldnt find anything although I told them the amount of the deposit and when it was deposited. They said if the account number or my name on the deposit didnt, that it wouldve been rejected. I called my retirement company again and they gave me a trace number and went over again the account number with me. Turns out that the last two digits on the account number werent correct. So I went into the bank with this info and they finally found where my deposit went. My money went into another bank account. They said that they were going to transfer my funds from the other account into mine. A few days past and they called me and said that the person with the other account that my money went into had already spent pretty much all of my money and that they couldnt get me my money back. I was really frustrated and upset that they would allow the deposit that had my name on it go into another persons account. The bank told me that there was no name on the deposit and only had an account number and routing number. I called my retirement company and asked why there wasnt a name on my deposit. They said that there was a name and all the info needed for it to go into my account. Next day i went into the bank and gave them the info that the retirement gave me and they said there was a name on the deposit but that they only check the routing number and account number that they dont check names. Makes no sense to me why wouldnt they check the name on the deposit and allow it to go into another account. There should be more security and more people being more thorough with handling money. Shouldnt be just anyone handling those deposits. I just lost XXXX dollars due to these negligence. I really want my money back from the bank and fix this mistake that they caused.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XX/XX/2022, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I received a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate? They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681. 

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

According to : 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 According to : 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 2022-07-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: IA

Complaint narrative:
On XX/XX/XXXX my sons savings account thru Wells Fargo Bank, and his Wells fargo visa credit card, were taken over by hackers, they withdrew {$2000.00} from his savings account and did cash advances on his WF visa credit card totalling around {$5000.00}. The hackers also opened a loan in the amount of {$14000.00} and then opened a checking account and deposited {$12000.00}. 
We have called the fraud department at Wells Fargo Bank, and reported these claims, they claim they have taken the steps to prevent this from happening again, but on XX/XX/XXXX after we spent almost 2 hours at the Wells Fargo Branch on XX/XX/XXXX to make sure that these claims were taken care of. Wells Fargo opened a new online banking account in my sons name so hackers could not get into the new account, but on XX/XX/XXXX the new account was hacked again, the deposited {$2000.00} from a XXXX XXXX card and withdrew {$1000.00}. 
This is the 3rd or 4th time we have been hacked thru Wells Fargo. These hacks were done all online including getting a loan. Can you say inside job? Wells Fargo customer service is a joke, do not trust them. Closing my accounts going to a smaller 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
Consumer complaint received 2022-07-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
Forever 21 credit card is a scam first they make it hard for you to log in into your account so it hard to see you payments, when calling about the issue for logging in they couldnt reset my password, so that created late payments. I explained this to them repeatedly I can not get into my account, they did not work with me to fix this issue. That way when its time to pay you have a bigger bill and they dont send you statements, they send you a email saying log into your account to see the statement, how can I do that if I cant log in. For this reason I paid it off and closed it with impression Im finally done with this scam, no three months later I get XXXX bill in the mail, and no one in that facility can tell me why. They repeatedly hang up in my face, and dont send a email or dont get a call back. No trace there was a conversation, they are still on my credit report saying I owe them money and I have late payments and its inaccurate. This credit card is a scam and I dont recommend it to anyone.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-21 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: TX

Complaint narrative:
I have submitted disputes to you and I didn't get a response within 30 days and ya 'll are required by law to do so. Please investigate my disputes, please. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 36 days later, I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ) plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 36 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by XXXX data breach and may have gotten into the hands of the wrong person.

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 2022-07-21 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Unable to open an account
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Bread XXXX XXXX, aka Comenity Bank refused to open a XXXX of XXXX for me. They refuse at all levels to provide a reason for denying my account request. I have wasted XXXX hours calling and messaging everyone from my Senator, The FDIC, the Office of the Comptroller of the Currency and I have been stonewalled or gaslighted at every turn. 
I wanted to open a CD for {$25000.00} and was told by a contractor for Bread XXXX  they they refuse to honor my request and every person in the company refuses to tell me why I am denied my right to banking services they provide and they are regulated by the FDIC who told me that they have no jurisdiction to provide any help to consumers in these matters. 
I contacted Bread XXXX on XX/XX/2022 in response to an advertisement for a high rate CD. They gave me a hard time so I called Comenity Bank who I have had a credit card acccount with for more than 10 years. They blew me off and rfused to help find out why I would be rejected so I contacted all Federal agencies involved in bank supervision. They gave me the eternal runaround and cut off my calls and closed my complaints arbitrarily.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 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: MD

Complaint narrative:
I've disputed this account with the credit bureaus with no change in the balances over the past 3 months. Most recently XXXX XXXX.Called company ( XX/XX/13, XXXX ) to discuss information on credit report that hasn't been updated in months. Rep stated that the account information was reported on the XXXX of XXXX. As called to check the status of a name change that I submitted via fax XXXX which still hasn't been processed.

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 2022-07-21 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I've disputed this account with the credit bureaus with no change in the balances over the past 3 months. Most recently XXXX XXXX company ( XX/XX/13, XXXX ) to discuss information on credit report that hasn't been updated in months. Rep stated that the account information was reported on the XXXX of XXXX. As called to check the status of a name change that I submitted via fax XXXX which still hasn't been processed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 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: MD

Complaint narrative:
I've disputed this account with the credit bureaus with no change in the balances over the past 3 months. Most recently XXXX XXXX.Called company ( XX/XX/13, XXXX ) to discuss information on credit report that hasn't been updated in months. Rep stated that the account information was reported on the XXXX of XXXX. As called to check the status of a name change that I submitted via fax XXXX which still hasn't been processed.

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 2022-07-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
A person that i do not know added me as an authorized user on their credit in capital one and has been using my credit in my name since XXXX. I do Not have any knowledge of this account and do not posses a credit card, also was never mailed one to my current address. I do Not have a credit account with this creditor. My credit dropped tremendously because of this. Please help.

Company response to consumer: Closed with non-monetary relief