vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/year>. I noticed so fraudulent activity on my account. I made a claim with Bank of America in the amount of {$1400.00} from an unauthorized transaction from XXXX. Bank of America issued me a new debit card because of the fraudulent activity going on.Ten days later they issued me a provisional credit. On XX/XX/year> additional transactions from the merchant XXXX was discovered on the account. So I called Bank of America back and as I was on the phone with the agent he pointed out that there were 7 months worth of fraudulent transactions. He helped me submit a claim for the fraudulent transactions in the amount of {$10000.00}. Ive never even used XXXX in my life. I have my own home that I stay at and pay rent for. I work my XXXX off for my money and for that to be taken away from me is ridiculous. I was waiting to get a word back from Bank of America about the new claim I filed. On XX/XX/year>, I woke up to my claim for {$10000.00} being denied I was angry and sad I thought the bank was supposed to help with fraud. The bank didnt ask for me to submit a written statement the didn't ask for any proof that I had nothing just denied. I called the bank and asked for a response they told me that it was denied because the customer was liable because it was from XXXX XXXX. I just want someone to take their time and look over the facts I never done business with XXXX before. My account was compromised and Bank of America did nothing as far as looking into the real facts or fixing my account dealing with the fraudulent activity.

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 2024-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I respectfully request the deletion of these incorrect personal information from my credit report, as its not up to date anymore. It is crucial that you promptly remove this incorrect personal information from my records.

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 2024-06-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I saw that there are accounts that doesnt belong to me

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 2024-06-24 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: EQUIFAX, INC.
State: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have been attempting to create my account with Experian since XXXX XX/XX/year> in order to unfreeze my credit file. Each time I have attempted to complete my account, I receive an error that they need additional information or there is a server error. I have twice provided the required information of drivers license, current bill, and unfreeze request form using Experian 's upload system. The most recent upload was on XXXX XX/XX/year>. I have called Experian at least twice a week since XXXX XX/XX/year>, but can never get to a human and the automated responses provide my assistance other than to refer me to creating an account online. Because I am unable to unfreeze Experian, I am unable to apply for a credit card and can not apply for an apartment for school starting in XX/XX/year>.

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 2024-06-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Exeter Finance, LLC.
State: MD

Complaint narrative:
My vehicle was financed through Exeter Finance on XX/XX/XXXX. It was repossessed on XX/XX/XXXX and I retrieved my vehicle out of repossession XXXX of XXXX. My registration was due to renew on XX/XX/XXXX. When I tried to renew my registration, the DMV informed me that Exeter took my name off of the title. I contacted Exeter multiple times starting in XX/XX/XXXX and they told me that I should have received a power of attorney letter right after my repo in XXXX to reinstate my name back on the title. I informed them that I've never received the letter. They said that another POA letter will be sent out but they kept sending the letter to my old address after I told them multiple times what my new address was. 
I finally received the letter around XX/XX/XXXX and sent it right back to them in which they received it the next day. ( This whole time I've been making payments on a car that wasn't legally my own ) They told me that everything should finally be cleared up and I should be able to renew my registration on XX/XX/XXXX. When I reached out to the DMV on that day, they told me that Exeter still didn't put my name on the title. When I called back, Exeter said that they still haven't processed. As of today, XX/XX/XXXX when I called back to check the status, the manager was rude and nasty stating that I shouldn't have had the car repossessed in the first place. ( I lost my job at that time, that's why it happened ) Exeter failed me over and over again, they failed to take accountability for what happened and its been an absolute nightmare without any resolve. As of this moment, the issue haven't been resolved and I am still unable to drive my car.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 00:00:00
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: FISERV FINXACT CORE
State: SC

Complaint narrative:
On XXXX the XXXX I called because I noticed some strange transaction with my card. The money XXXX  XXXX told me to wait for the pending cards charges to go through and to lock my card. By the time my card was locked someone had made five {$200.00} purchase and three {$50.00} purchase for XXXX. On XXXX the XXXX I'll call back because the charge were no longer pending the lady took my information and told me that they will be sending me some dispute forms and to fill them out and I had 10 days to return them or I can go online and print a dispute form from the website she gave me the wrong email to send but up XXXX  the correct email when I noticed that the phones had a different email than what she gave me. I waited a week because and I did not hear back from money Network she told me that they did not get the email dispute phones yet and that the dispute forms they mail should have arrived by now. The same day the dispute forms came I filled them out again and emailed them with the PDF and then email them again with a tiff file and waited. Another week went by and I called and it's still telling me that they did not receive the disputed forms and not have gone past the time frame to make a dispute claim. When I called and asked to speak to a supervisor the supervisor told me that there's no way that they can know what to dispute office has received and can not let me know where my dispute was at.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-24 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: NC

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX and Experian for violations of my privacy rights under the Privacy Act of 1974, the Fair Credit Reporting Act ( FCRA ), and 15 U.S. Code 1681. Despite my explicit opt-out request submitted to XXXX, XXXX on XX/XX/XXXX, both companies have continued to report and share my nonpublic personal information without my authorization. 


Privacy Act of 1974 : XXXX, XXXX and Experian are in violation of my rights under the Privacy Act of 1974 by disclosing my personal information without my consent. 
Fair Credit Reporting Act ( FCRA ) : As stipulated by 15 U.S. Code 1681, consumer reporting agencies must ensure the accuracy and privacy of information reported. XXXX XXXX XXXX has reported my information to Experian without my explicit consent, resulting in unauthorized and inaccurate reporting on my credit report. 
Opt-Out Request : On XX/XX/XXXX, I submitted an opt-out request to XXXX, XXXX, as per 15 U.S. Code 6802, requesting that my nonpublic personal information not be shared with any nonaffiliated third parties. XXXX XXXX XXXX has failed to honor this request, and Experian has continued to include this unauthorized information in my credit report. 

The unauthorized reporting of my personal information has caused significant harm, including potential damage to my creditworthiness and financial reputation. The continued violation of my privacy rights is distressing and unacceptable. 


I demand that the CFPB take the following actions : Require XXXX, XXXX and Experian to immediately cease the unauthorized sharing of my personal information and remove any such unauthorized information from my consumer report. 

Provide written confirmation that my opt-out request has been honored and that the unauthorized information has been removed from my credit report. 
Compensation : Compensate me {$1000.00} for each violation of my privacy rights as per the statutory damages under the FCRA.

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 2024-06-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/year>, I filed a dispute via CITIBANK of {$1500.00} ; however, CITIBANK never responded to me either via email or phone call to confirm the evidence documents I sent them at least XXXX times, nor put the evidence documents onto my case. 
After 45 days I had to work with the vendor to get my money back all by myself. 
I called the CITIBANK Dispute department at least XXXX times, and each time I talked with a different rep or supervisor, none of them were able to help me, their comments were the same, and lies that they never received my documents and they only write something for their internal people ( never know who??? ) to handle. 
CITIBANK doesn't have a dispute department, anyone is a dispute rep., can only take messages but not action to handle my dispute case, for the past 45 days. 
The worst case was due to their incompetence, CITBNAK refused to credit the balances to me and charged me the fees that I was put on a dispute. Not only were they unethical, also practiced illegal business on my case by taking the money that I owed to them with a dispute case. I read a lot of similar complaint cases against CITIBANK here, I hope the Consumer Financial Protection Bureau can investigate CITIBIBANK to protect consumers like me. Now I request CITBNAK to refund {$1500.00} back to my credit card and take responsibility for dealing with the vendor on my behalf, 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 monetary relief
Consumer complaint received 2024-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-24 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: EQUIFAX, INC.
State: WA

Complaint narrative:
Attempted to submit dispute against credit history. I filled out the online form, then clicked to upload my documents, which contain absolute proof of the creditor 's error. I selected the documents and clicked Open as usual. Then back to the Equifax screen. There was a button to skip upload, a button to go back ( and reattach the documents ),, and to cancel the dispute. There was no Submit button!

I am an experienced web designer and perfectly competent at using web forms. I can assure you I did nothing wrong ; I even retried twice just in case but got the same result.

I called customer support and was hit with offers for insurance help and medical alert bracelets. I did not press 1 ( or anything ) to hear these offers, but was sent to them anyway after about 20 seconds. There was no way to back up and get back to any main menu. 
And we trust our financial well-being to this incompetent organization! Due to a creditor 's absolute mistake, I am a senior citizen of means with a perfect account payment record and I am HOMELESS! The system is so broken. Once a company decides to ruin your life through no fault of your own, there is no recourse. What makes it especially cruel is that consumers are lied to and told that there is.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 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: U.S. BANCORP
State: CA

Complaint narrative:
I was emailed a promotional offer from US Bank to establish an Extend Pay option on my purchases with my XXXX Credit Card. I meet the parameters of the promotion but when I attempt to initiate the Extend Pay feature online, it rejects me as it claims I do not have a valid email address which is false as I received the offer through email in the first place. I have called the card service reps and they have submitted a ticket for their IT department but I have not heard back from them. As of today I am still trying to establish the Extend Pay feature on my purchases but I still receive the same error message.

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 2024-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: SOFI TECHNOLOGIES, INC.
State: FL

Complaint narrative:
Sofi just locked my account for no apparent reason. They keep telling me their security team is reviewing. Now I feel like my information has been stolen and susceptible to possible data leaks within their company. I wouldve never signed up for an account knowing I would only be able to use it for 2 weeks before they locked the account for no apparent reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items deleted from my credit report effective immediately. l am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and TransUnion has done nothing. Please help me delete these illegal accounts from my credit reports.

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 2024-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.

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 2024-06-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP
State: TX

Complaint narrative:
I opened the US Bank Business Leverage card on XX/XX/XXXX. I was unaware that their business credit cards have a central billing system. I could not pay on the card account, so I called customer service. I made the payment on the account for the statement credit. She explained that business cards have central billing and I must create a new account for it. She also mentioned I could merge the billing account with my credit card, so I would be able to make payments on the card directly. She told me that the change would take place after the second billing cycle. At the time, I had about XXXX points ( worth {$27.00} ) after the first billing cycle, and I made about {$2800.00} in purchases during the second billing cycle. I should have about XXXX points balance after the second statement, but my reward balance went to ( XXXX ) balance after the second billing statement. I called customer service on XX/XX/XXXX and was told that due to the merging of the account, I forfeited all my points. To which I replied : " I was never told by the rep I spoke with. Otherwise, I would redeem all my points, and would never ask for the change ''. She offered me only XXXX points ( worth {$25.00} ), and I told her that I lost more than twice as much from the first two billing statements. She transferred my call to the supervisor, but he/she did not answer. She set up a call from a supervisor within 24 hours.

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 2024-06-24 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: KEYCORP
State: PA

Complaint narrative:
At the suggestion of my local Key Bank manager, on XX/XX/year> I signed up for a XXXX CD with a 5 % interest rate as advertised on the Key Bank website . However, the account I was given bears just a 0.05 % interest rate. I noticed the issue after two months of interest payments that were hundreds of dollars less than what was offered. 

I contacted the bank to question the discrepancy and was told that I had chosen the lower rate based on my online application. I told them that was not likely because their website never offered a rate of 0.05 %, and that I would not have chosen such a low rate, nor would I expect anyone else to choose that rate, either. 

I was told I could close the account and incur a penalty due to it not having matured. Then, I was disconnected from their chat by their own customer service team. Their website is fundamentally misleading and they are not only stealing from me but also profiting off of interest from my money.

Company response to consumer: Closed with explanation