vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-13 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
COLUMBIA DEBT RECOVER LLC DBA GENESIS contacted me about an account that I never own charging me the amount of {$2400.00} from an ORIGINAL CREDITOR named XXXX XXXX, I disputed the account placed on my credit on XX/XX/XXXX of this year XXXX and the collection company is asking me for a series of documents including this complaint and now I'm getting the documents to sent everything to them. 
its important to add to this complaint that I have been living in XXXX since XXXX and I was living in XXXX before

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is 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 30 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 the XXXX, XXXX and Transunion data breach and may have got 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 2023-12-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
As a consumer I had both a personal and a business checking account with Bank of America and due to identity theft these accounts were closed down without proper validation. These actions greatly affected me financially. Recently I put them on notice regarding this issue and Bank of America stop reporting negative information to third-party companies. As of today I contacted Bank of America trying to open up accounts with the institution and was denied in violation of my consumer rights. Bank of America is discriminating against me based off my false and in accurate information. The harm that is being done to me is defamation to my character and my financial stability. It is unconstitutional for Bank of America to deny my rights as a consumer without providing just compensation for their dishonor.

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 2023-12-13 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: IL

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: HOMEOWNERS FINANCIAL GROUP USA
State: FL

Complaint narrative:
I am a closing attorney and closed on a VA loan with XXXX XXXX with Homeowners Financial. XXXX repeatedly directed me to share information with a non attorney in fact, non-borrower, and non-purchaser of this loan. XXXX was unprofessional and unethical, claiming that her company approved an unexecuted power of attorney for use. When I refused to comply with XXXX and her teams unethical and possibly fraudulent requests, she and her staff verbally threatened to " pull '' the closing from me and for the borrower to switch title companies. XXXX and her team has me email closing documents for electronic signature to an email address that did not belong to the borrower or the purchaser on the contract. The realtor charged a VA borrower a broker transaction fee and the lender allowed this charge to remain. The borrower received a refund at closing and XXXX directed me to mail the check to an address where the borrower was not located so that his spouse could endorse the check and deposit it. I do not think that XXXX XXXX and her team follows any rules or regulations. We closed on XX/XX/2023 and I am located in Florida. When the check did not arrive in North Carolina, the borrower and purchaser is currently station in California, XXXX and her team accused myself of stealing the borrower 's funds. Yesterday I personally spoke to the borrower and he apologized for XXXX 's behavior as he had no clue that this was happening " on his behalf ''. XXXX and her team works for Homeowners XXXX and her NMLS # is XXXX. I believe that XXXX 's actions during this closing is a pattern of having non attorney in facts sign closing documents and receive loan information that they should not be privy to. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
Capitol One closed my account without warning or notice XX/XX/23. Payments were always on time and I always paid above the minimum payment. 
When trying to figure out what happened phone reps said I violated terms of service then in written correspondence when trying to get further information they said it was a business decision. This has negatively impacted my credit reporting. 
They will not change reporting or reopen account but they continue to send me letters and emails promoting I apply for new Capitol one credit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act, DEPTEDXXXX Account # XXXX, DEPTEDXXXX Account # XXXX, DEPTEDXXXX Account # XXXX, DEPTEDXXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX has violated my rights. 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of the competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

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 2023-12-13 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: OH

Complaint narrative:
This is not a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. 
In accordance with the Fair Credit Reporting Act XXXX  these accounts below has violated my rights according to 15 U.S.C 1681 section 602 A. States, I have a right to privacy 15 U.S.C 1681 section 604 A section 2 : It also states, a consumer reporting agency can not furnish a account without my written instructions. 

Account Name : XXXX XXXX Account Name : XXXX 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 2023-12-13 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: OH

Complaint narrative:
This is not a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. 
In accordance with the Fair Credit Reporting Act XXXX, these accounts below has violated my rights according to 15 U.S.C 1681 section 602 A. States, I have a right to privacy 15 U.S.C 1681 section 604 A section 2 : It also states, a consumer reporting agency can not furnish a account without my written instructions. 

Account Name : XXXX XXXX Account Name : XXXX 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 non-monetary relief
Consumer complaint received 2023-12-13 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: MD

Complaint narrative:
I suspect that my information is being mishandled and inaccurately reported, prompting me to file a complaint with NAVY FEDERAL CR UNION. Upon reviewing my credit report dated XX/XX/2023, I discovered a derogatory entry that I was previously unaware of, containing inaccurate details such as payment history, status, opened date, and date of last activity. In accordance with 15 U.S.C. Section 602 and 15 U.S.C. Section 604 A Section 2, I wish to assert my right to privacy. It is emphasized that a consumer reporting agency is not permitted to disclose an account without my explicit written instructions. I have attached the FTC report with report number XXXX to support this complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 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: MO

Complaint narrative:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support 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 non-monetary relief
Consumer complaint received 2023-12-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Winklevoss Exchange LLC
State: CA

Complaint narrative:
On XX/XX/, I received a call from a person who introduced himself as XXXX XXXX. I did not know this person prior. He identified himself as an " investor and broker '' and asked me if I wanted to start investing. I stated that I would and was instructed to begin making deposits into a XXXX ATM Machine. I made my first deposit of {$250.00} on XX/XX/. On XX/XX/XXXX  for {$1000.00}. I also made wire transfers through my bank, XXXX XXXX, wire transfers. XX/XX/XXXX  for {$5000.00}, XX/XX/XXXX  for {$2200.00}, XX/XX/XXXX  for {$1100.00} and XX/XX/XXXX  for {$3000.00}. The total is {$12000.00}. XXXX XXXX stopped replying to my messages through the XXXX app on XX/XX/XXXX  until now. 

On XX/XX/XXXX, I got another call from a person who introduced himself as XXXX XXXX. He identified himself as an " investor and broker '' and asked if I wanted to start investing. I told him that he would not be able to invest because he was unable to access the money I was supposed to receive from my investment with XXXX XXXX, {$57000.00}. He told me the money was in an account with XXXXXXXX XXXX XXXX in XXXX, but to withdraw it, I would need to pay a transfer fee of {$3100.00}. He sent a document from XXXXXXXX XXXX XXXX and instructed me to make the payment via XXXX ATM. I made two transactions totaling {$2900.00}. After the transactions, I contacted XXXX XXXX XXXX  regarding the form I got from XXXX. The bank informed me it's not legit. I realized I was scammed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 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: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
Received promotional offer on XX/XX/2023 from Goldman Sachs / Apple Card to add a co-owner to my account. The offer provided a {$100.00} Apple XXXX credit if the co-owner was added between XX/XX/2023 - XX/XX/2023 and spent more than {$100.00}. I added a co-owner on XX/XX/2023 and this co-owner immediately spent {$300.00} followed by two subsequent transactions. Theyve not received any credit or bonus. Per the fine print : Each {$100.00} and {$25.00} bonus is earned as Daily Cash and is transferred within 7 days after respective minimum spend thresholds worth of transactions have posted to the New Users Apple Card account and the New User has made a subsequent transaction. Ive reached out to Goldman Sachs / Apple Card support via phone ( XXXX ) and via XXXX XXXX XXXX. Neither support channel has resolved the issue other than creating an inquiry. The promotional details that were received via email to the account owner are also available at https : //offers.applecard.apple/apple-card-family-offer

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-13 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. Please see above LAW, this isn't a request to verify this is the law that clearly states that I have the right not to have companies report to my credit without a WRITTEN REQUEST FROM ME, which at no time have I ever given WRITTEN PERMISSION.

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 2023-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I asked for my name to be corrected on my credit report. Although the company changed my name, the change is incorrect because it omits the hyphen and makes it appear as a different name. It should be exactly as it appears on my Driver 's License ( my legal name ), which I sent to them. It is not. I also asked for my address to be corrected. The correction made the error worse. Because these items are incorrect, I have not been able to open an account with on-line banks which offer highest savings interest rates. The banks have told me they can not verify my identity, which they do by checking one or more of the three main credit reporting services.

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 2023-12-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I have had PNC since they came to Florida going on 20+ years. I have been a loyal client of theirs yet PNC has NEVER done any favors for me. They would not even give me a credit even when my credit showing 100 percent payment across the board. 

My compliant came when recently my income decreased and caused my balance to be low. PNC offers a service call the Low Cash Mode. It gives you extra time such as 48 hours to deposit funds before the item is posted and you're charged an over draft fee. 

When you log into your app or online banking, you can see the pending item and if you go to the menu you can see the item and the DEADLINE when the item will be posted or you need to bring the balance to cover the pending item. 

Lately PNC has been doing what ever they like. I had multiple items where it gives me a time let 's say " 36 hours remaining ''. What PNC has been doing was just randomly returning the item before the time is up. Itll be same day even they just return the item. 

What is the point to even have this if you're going to just randomly returning item? POINTLESS feature isn't it! 

When confronted PNC of this, their reply was " it's up to our discretion to either pay or return the item ''. Though that is ultimately the banks decision. If you give the account holder a timed deadline, no decision should be made for the account till that time! 

What's is worst? now PNC is doing the opposite! On the week of XX/XX/XXXX. I had a utility item that caused my account to be over drawn. I did not put in the funds in time and I end up getting an over draft fee. On separate day I got another utility charge that came in as pending and the Low Cash Mode kicked in and gave me a timed deadline. XXXX the morning of XX/XX/XXXX it is showing I had " 5 '' hours still yet my PNC decided to paid the item and post it with an over draft fee already! So instead of using the discretion clearly that my account was over drawn and has an over draft fee, they all of sudden decided they wanted to pay the item and charge another over draft fee!. 

This is unethical behavior and it will be my last encounter with PNC. I have incoming funds coming in and I will be taking my funds to another bank as this is behavior is something that is not acceptable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is 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 30 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 the XXXX, XXXX and Transunion data breach and may have got 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 2023-12-13 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is 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 30 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 the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-13 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
XXXX Primary email address received notification that a new line of credit had been opened on XXXX XXXX  account without my knowledge or authorization. 

XXXX Primary email address received notification that a new line of credit ending in XXXX had been made on Wells Fargo account without my knowledge or authorization. 

XXXX Secondary email address received notification that a new line of credit with XXXX ending in XXXX had been made opened without my knowledge or authorization. 

XXXX Primary email address received notification that a new line of credit ending in XXXX with XXXX XXXX  had been made on my XXXX  account without my knowledge or authorization. 

XXXX-present Additional account created and transactions trying to finalize without my authorization or knowledge.

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 2023-12-13 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: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. Please see above LAW, this isn't a request to verify this is the law that clearly states that I have the right not to have companies report to my credit without a WRITTEN REQUEST FROM ME, which at no time have I ever given WRITTEN PERMISSION.

Company response to consumer: Closed with non-monetary relief