vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Several years ago I opened two custodial savings accounts for my each of my XXXX XXXXr children with Bank of America. I had small balances in each account ( $ XXXX ) for several years and no issues. Recently, Bank of America started to charge monthly maintenance fees on each account ( $ XXXX ). I called Bank of America 's customer service line and requested they reverse the fees because they were savings accounts for minors. The representative agreed and did so. Yet, Bank of America continued to charge the accounts with monthly maintenance fees. 

I called Bank of America customer service again, had the fees reversed and transferred the money out of the accounts to XXXX plans with another institution. I called Bank of America and asked it to close the accounts. I was told that I would have to visit a branch to close the accounts because they were accounts for minors. 

I visited the branch on XXXX in XXXX AZ and requested they close the accounts. I was told they could not do so because there was a negative balance on each account due to the monthly maintenance fee that was wrongly being charged to the account. I was told that I would have to call customer service to have the fees reversed and then return to the branch to close the accounts. 

It should be this hard to close two savings accounts for minors. Bank of America is taking advantage of consumers and must be held accountable.

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 2022-06-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I filed a dispute in regards to the items on my credit report and it's been well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX 


XXXX XXXX XXXX # XXXX, has violated my rights. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX5 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 I also have inquiries on my credit report that I didn't authorized and unaware of. 

XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Equifax Inquiries XXXX XXXX XXXX XXXXnquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX date XX/XX/XXXX XXXX & XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXXI Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiries : XXXX XXXX Inquiry date XX/XX/XXXX XXXX date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX 


XXXX XXXX XXXX # XXXX, has violated my rights. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 I also have inquiries on my credit report that I didn't authorized and unaware of. 

Experian Inquiries : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX CXXXXY Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX  XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiries : XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX date XX/XX/XXXX XXXX & XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiries : XXXX XXXX Inquiry date XX/XX/XXXX XXXX date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/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 2022-06-08 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: Experian Information Solutions Inc.
State: ME

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX, 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.

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 2022-06-08 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: OneMain Finance Corporation
State: IL

Complaint narrative:
I filed a dispute in regards to the items on my credit report and it's been well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: ROBINHOOD MARKETS INC.
State: FL

Complaint narrative:
RobinHood sold all my stocks without my permission in the morning XXXX XXXX. And now my money is stuck in my RobinHood account and I can't withdraw my money to my own bank account. I can see that my money ( around $ XXXX ) is in my RobinHood account. But when I try to withdraw my money, I just get an error message. RobinHood restricts me from withdrawal without explanation. I contacted RobinHood about why I couldn't get back my money and what they told me was that they can't support me as a client any more, refuse to offer me any explanation. They now dont answer my phone call, either.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08 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 — Overcharged for something you did purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
I purchased an original ticket on XX/XX/XXXX, for travel in XXXX XXXX, for a fare of {$980.00}. This travel was canceled due to covid and not allowing to travel. 
I re-booked my fare on XX/XX/XXXX, to travel in XX/XX/XXXX, and return in XX/XX/XXXX for an additional {$190.00}. On XX/XX/XXXX, the return date was changed from XX/XX/XXXX, the return date to XX/XX/XXXX for only {$28.00} because I was sick with XXXX and was not allowed to travel by the country 's government. I have the receipt where I only agree to pay {$28.00} for changing and upgrading my flight. 

After arriving on XX/XX/XXXX, a few days later, my credit card bill for XXXX was changed from {$28.00} to {$2400.00}, which I never approved or got a receipt for {$2400.00}. On XX/XX/XXXX, I called XXXX and filed for refunds : PASSENGER : XXXX TICKET ( XXXX ) : XXXX REQUEST XXXX United refunds I sent a request for a full refund of almost {$2500.00} that was wrongfully charged on my credit card. The united Refunds department denied my request, which is entirely unfair and unacceptable. I am a XXXX and XXXX XXXX XXXX and I can barely feed myself. I do not have {$2400.00} and never in my life agreed to pay that amount when I changed my flight ticket. I only agreed to pay {$28.00} ( see receipt attached ) and never saw the receipt for almost {$2500.00} until the day I filed a refund request when one of the employees on the phone emailed me on XX/XX/XXXX. This is unacceptable as I suffer from XXXX, and I wasn't allowed to travel. This travel delay also caused me to fall behind in my course works, and I was at the edge of quitting graduate school. I am asking you to please help me get my money back as I went through a difficult time paying almost {$2500.00}.

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 2022-06-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Hi, My name is XXXX XXXX in which I am reaching out to the CFPB pertaining to Transunion in not providing information found to validate debt in which a fraudulent account was opened in my name and charges were made on the credit card. The Credit Card company is XXXX XXXX XXXX  in which there were no payments made and immediately charged off. It took Transunion over 30 days to respond to my complaint under file # XXXX and I have been dealing with issues with transunion dating back to XXXX. Then I asked the bureau to send me validation of this debt from the company and how did they verify this information with their investigated procedures and they failed to disclose or respond and just stated that the account is verified as accurate. Which I 100 % know is falsified as this fraudulent account was removed from the other two credit bureaus Transunion just neglected to research this and this is substantially harming my credit and 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 non-monetary relief
Consumer complaint received 2022-06-08 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: Avant Holding Company, Inc.
State: CO

Complaint narrative:
On XX/XX/2022, someone fraudulently opened a credit card account in my name, using my social security number, at Avant LLC / webbank. I was alerted of a hard pull on my credit file by a credit monitoring service and contacted Avant that same day to report the fraud. On the telephone with an Avant representative, I was assured that the account would be frozen or closed ; however, on XX/XX/2022, I received an email notice from Avant that the fraudulent account had been approved and a credit card had been issued to the person ( s ) that fraudulently used my information to open the account. I have since frozen my credit report at all three of the major credit bureaus and I have engaged the services of XXXX XXXX to monitor my identity. However, I would like this account closed and the associated credit check removed from my records. 

In addition to the notification that Avant opened the fraudulent account, they shifted the burden of proving that the account was fraudulent to me and required that I submit to them an affidavit attesting to the identity theft. I provided this affidavit and the associated XXXX complaint to Avant on XX/XX/2022. Avant has not responded to multiple inquiries that I have made in connection with this matter ; to my knowledge, the account remains open ; the fraudulent hard pull remains on my XXXX report. 

I have already spent a fair amount of time and money on this matter ( including the subscription to XXXX XXXX ), and would like to know that the account has been closed and that I will not be liable for any charges that Avant approved on that account -- again, an account that I informed them had been fraudulently opened the SAME DAY that it was opened. More than a month later, I have heard nothing from Avant, and nothing appears to have been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08 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: WI

Complaint narrative:
In accordance with the Fair Credit Reporting act Bankruptcy 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08 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: OPORTUN FINANCIAL CORPORATION
State: IL

Complaint narrative:
I filed a dispute in regards to the items on my credit report and it's been well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX 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.

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 2022-06-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Continental Finance Company, LLC
State: FL

Complaint narrative:
Received an email congratulating me on the approval of a XXXX XXXX XXXX - Phoned the company and found out that someone has my personal information and used a phone number ( XXXX ) XXXX to apply for the card. The phone number is disconnected. 
I have reported this to all 3 credit bureaus and placed a security alert on my own credit file.

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 2022-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX, 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.

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 2022-06-08 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: ME

Complaint narrative:
In accordance with the Fair Credit Reporting act 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: PR

Complaint narrative:
I am requesting a mortgage loan and the loan officer states that Equifax has my report frozen. I have screen shot proof from the loan office. Called Equifax and they said that the credit is not frozen on their behalf and that there is nothing they can do. The loan office tried a second time and the error remains can someone help me. 
I can send in proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Credit Karma, LLC
State: TX

Complaint narrative:
I have been closely following my credit reports because I am actively trying to raise my credit score to be eligible for better interest rates. In XX/XX/2022 I received an unsolicited request to apply for a home loan on Credit Karma. I promptly asked them to cease and desist sending me unsolicited information of this type and asked how they got access to my credit file. Credit Karma answered back and said I had filled out a profile on their website. They have a feature to create a profile to make comparsions with other products but I did not in anyway apply for anything or gave them permission to check my credit.. Next thing I know they sent me a denial letter. Shortly afterwards my credit score dropped by XXXX points for no reason ( I had it analyzed by an attorney ). I called XXXX directly and they had no answers.The lawyer said they couldn't help because the report I had available was from Credit Karma and not directly from XXXX. 

I called XXXX today and was informed that I could get a report but not a credit score and that would cost me {$9.00} to get. 

I am amazed at the casual response and careless mishaps ( such as this ) could happen within a group that controls how we flow in society. Our credit score is front and center in almost everything and depending on that number to have the ability to either exist comfortably or to struggle because of high insterest rates. or straight out be denied things.

Company response to consumer: Closed with explanation