vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I deposited 2 checks. Not only was a hold placed on both checks, but they also subtracted it from my balance. Now I'm almost {$2000.00} in the hole. My rent is due and I've got kids to feed. That is all my money. We could be homeless by the time they give me my money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: BARCLAYS BANK DELAWARE
State: TN

Complaint narrative:
This card shows on my credit report and it does not 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 explanation
Consumer complaint received 2023-06-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: RI

Complaint narrative:
XXXX XXXX XXXX Capital One Savings Account # XXXX I responded to a Capital One savings account promotion on XX/XX/XXXX by opening a consumer savings account. The promotion promised a {$100.00} bonus on condition of depositing {$10000.00} within 15 days of account opening. The following day on XX/XX/XXXX, I deposited the {$10000.00}. On XX/XX/XXXX, I withdrew {$9000.00} from the account following the 90 days. 

See the text of the offer here : " Earn a cash bonus when you open a high-yield 360 Performance Savings account with promo code XXXX, make a deposit of external funds within 15 days and hold the deposit in the account for 90 days. '' According to the offer, the {$100.00} bonus should have been deposited by XX/XX/XXXX. On XX/XX/XXXX, I contacted CapitalOne regarding the bonus and was told that the 90-day holding period began on XX/XX/XXXX, not on XX/XX/XXXX, and that I had not met the 90-day holding requirement. The representative stated that the case would be escalated for consideration and could take 45-60 days to resolve. 

This failure to make clear the timing requirement is deceptive and unfair. Had I known the holding period commenced on XX/XX/XXXX rather than XX/XX/XXXX, I'd have left the funds in for more time. On the surface, this is 12 USC 5531 violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I responded to XXXX/ComenityBank/Bread Financials ' offer in XXXX to open a new XXXX XXXX XXXX XXXX and receive a statement credit of {$100.00} after spending {$1000.00} in 90 days. I fulfilled my obligation in XXXX and was told it would take 1 to 2 billing cycles to post. When I didn't receive the credit, I contacted the bank in XXXX wand was told it took 1 to 2 billing cycles after the 90 days was up, not 1 to 2 billing cycles after meeting the requirement but was assured the credit would be on XXXX statement. It wasn't. I spent over an hour on the phone with XXXX on XX/XX/XXXX and he assured me he was passing it up to the appropriate people and the credit would appear on my XXXX statement. It did not. I called again XXXX and after a great deal of time and several transfers, talked XXXX, SR acct specialist who assured me her manager would have it taken care of by XXXX and if there were any issues someone would call me before that. It was not taken care of & no one called so I wasted another hour today getting as far up the chain as XXXX a SR account Supervisor who spoke to her manager, supposedly the highest level they have, who said there was nothing they could do to issue the overdue credit, or reimburse for interest lost or time wasted. The only thing she was able to do was file a dispute which still did not absolve me from paying the {$100.00} balance I don't owe and may take NINETY days to resolve.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-21 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

The letters are stated with items and issues.

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 2023-06-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
It is highly unjustifiable to have late payments displayed on my account when I have consistently made timely payments. I insist that this error be corrected without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 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: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX took XXXX points for a fraud account that I had to dispute then another XXXX points for the fraud account being thirty days pass due. I have since been notified that the fraud account was found to be fraud and closed and removed from my report. However the damage to my score has not been replaced to show that. I am in good styanding and back to the score it was before the fraud account was listed. They removed the account but have not returned my points

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 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: PA

Complaint narrative:
XXXX took XXXX points for a fraud account that I had to dispute then another XXXX points for the fraud account being thirty days pass due. I have since been notified that the fraud account was found to be fraud and closed and removed from my report. However the damage to my score has not been replaced to show that. I am in good styanding and back to the score it was before the fraud account was listed. They removed the account but have not returned my points

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 2023-06-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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:
It is highly unjustifiable to have late payments displayed on my account when I have consistently made timely payments. I insist that this error be corrected without delay.

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 2023-06-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am a senior citizen on a fixed income. Fifth Third Bank, acting through its sham conduit XXXX XXXX has opened an unauthorized account in my name and is trying to make me pay for a product and service that I did not authorize. I employed a lawyer to resolve this matter and FifthThirdXXXX refuses to provide any evidence that I ever obligated myself to them. They are intentionally damaging my excellent credit rating by falsely reporting me as delinquent and refuse to desist. Their actions are deliberate, fraudulent and Deceptive. Please open an investigation and contact me if you require further information or details.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX {$4900.00} XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XX/XX/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 2023-06-21 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: IL

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX {$4900.00} XXXX XXXX XXXX XXXX$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
This is a previous complaint that- Has Not Been Resolved - See complaint filed on XX/XX/XXXX with CFPB. In my records it shows the CFPB has closed the case saying it was resolved - This Has Not Been Resolved- I was literally just charged for the {$490.00} again this morning XX/XX/XXXX. 

I received a letter stating once again that I needed to provide proof that the payment was made - which I did in an email on XX/XX/XXXX, I emailed ALL of the information requested to XXXX - This has been going on since XX/XX/XXXX back and forth and this is the 3rd time Citizens has withdrawn the money from my checking account. 

I have provided all of the information proving this withdraw is erroneous and Citizens is refusing to refund me account and close the case. 

I will escalate this as far as I need to to be returned the almost {$500.00} that they continue to take from my account. 

I have spoke to XXXX XXXX Citizens Banks Sr Advocate with no avail - XXXX - she asked that I email the information requested which I did as well as numerous emails to XXXX See below the original email below ... .as well as attachments from the email I sent on XX/XX/XXXX The amount of {$490.00} was charged to my checking account on error - I contacted Citizens at the end of XX/XX/XXXX stating this and they refunded the amount. I received a letter from Citizens saying no further action was required then a month later the amount was withdrawn again. - This was for a car payment, when the amount was withdrawn a second time, the lease agreement had been satisfied and the car had been turned back in to the dealership. Citizens withdrew the funds after the car payment had been 100 % satisfied and turned back in to the dealer- so where did my {$490.00} go??? After multiple attempt via phone to resolve this issue I was told on each separate time someone from the claims department would be contacting me in 2-3 business days - this Never Once Happened- I never received a call from a representative. I have received 3 letters since asking for proof that the payment was made by other means - I have emailed XXXX 4 Times now will all the requested information - I HAVE NOT ONCE RECEIVED A RESPONSE. They are Fraudulently holding {$490.00} from my checking account. Were did the money go??? Again- the vehicle has been paid in full and returned to the dealership and the amount of {$490.00} was withdrawn again after this fact. The fact that not one representative from Citizens has responded to my complaint VIA phone and email is HIGHLY SUSPICIOUS!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
Credit report is reporting account inaccurate. Stating inaccurate date of last activity date open, date last payment and missing data on date last verified and date closed. I have disputed account with all three bureaus asking that account gets verified or deleted because I do not recall having this debt with this creditor and account is not showing " account has started investigation or is under investigation '' in fact it shows account not disputed and that is false because I have disputed account. Over 30 days have passed and I have not heard back from bureaus in regards to account. Definitely feels like I am being ghosted. Account is not meeting law requirements with inaccurate and missing data.

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 2023-06-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
Ive sent multiple documents and made endless call to each of the three credit bureaus to resolve the matter and their just now requesting another FTC 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 non-monetary relief
Consumer complaint received 2023-06-21 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: EQUIFAX, INC.
State: CT

Complaint narrative:
Ive sent multiple documents and made endless call to each of the three credit bureaus to resolve the matter and their just now requesting another FTC Report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 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: EQUIFAX, INC.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX 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 2023-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
These are the inquiries I'd want removed from my TRANSUNION report. TRANSUNION is claiming I sent an incomplete FTC Identity Theft report so I am updating it to reflect the updates. The inquiries are as follows XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Once again please remove these inquiries from my report. Thank you.

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 2023-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
XX/XX/2023 I used an ATM at a XXXX my {$400.00} request wasnt dispersed from my Capital One 360 checking account but my online account showed immediately the posted withdrawal of {$400.00} from my account. I informed the store employee they said call XXXX which is the bank name on the ATM machine but they told me to call Capital One which I did my claim # XXXX initially I was told they would deposit my money while the 10 to 45 days of investigation is going on which makes no sense to me with the technology of today.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: CT

Complaint narrative:
I previously reported problems with XXXX Bank and XXXX XXXX regarding XXXX : XXXX. I made the report in XXXX. I told them I was making a complaint. And they mis-applied the funds, yet again, this month. There are XXXX loans. They apply payments to pre-pay 2 loans ( now paid up to XXXX ), but don't apply any funds to the 3rd loan, now marked overdue and subject to a penalty. Amazing! I put the correct loan # XXXX on the check, but I assume it is all automated with out-dated equipment. 

Further, XXXX bank has previously been fined by the consumer financial protection board ( CFPB ) ( $ millions! ) for failing to properly respond to customer complaints. They won't " talk '' to me, because the loan is in my wife and daughter 's name, but more importantly, they won't listen despite numerous complaints, from me, from my wife, from my daughter, by phone and by electronic mail. 

I defer to CFPB as to whether to publish or not. It seems contemptible for XXXX XXXX to continue to disregard customer complaints despite the prior sanctions. And we made numerous complaints to the bank and XXXX XXXX, for months before, before filing a complaint with the CFPB. I assume my complaints are not unique. Thank you. 
XXXX XXXX. XXXX. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to formally request that Equifax conducts a thorough investigation into the recently updated and modified information as of XXXX XXXX  on my credit report as per the letter notice received from Equifax in the mail. I have noticed additional details such as Status Date, Balance Date, and Verified Item that require investigation. I insist that Equifax takes immediate action to remove any incorrect, inaccurate, and unauthorized accounts from my credit report. In order to proceed with this investigation, I kindly ask that Equifax provides me with a contract agreement containing my full signature and matching my full social security number, as it would serve as evidence of my supposed account with XXXXXXXX XXXX  and authorize XXXX XXXX XXXX to collect a debt from me. Equifax has yet to demonstrate how this account was validated or verified. Considering the violations of 15 U.S.C. 1681g, Fair Credit Reporting Act ( FCRA ) Section 623 ( a ) ( 6 ), 15 U.S.C. 1692g, and FDCPA Section 809 ( a ), I demand the immediate removal of this Collection from my credit report. It is crucial to emphasize that I have contacted XXXXXXXX XXXX multiple times to inform them that I have never entered into any contractual agreement with them, nor have I opened any insurance account. Unfortunately, XXXX XXXX has failed to provide any documentation or records supporting their claims. Despite my repeated attempts to rectify this situation, the issue remains unresolved. Should the need arise, I am fully prepared to seek legal assistance through the Office of Veteran Affairs to address this matter. As I am a XXXX XXXX XXXX XXXX. The inclusion of this incorrect Collection on my credit report has resulted in the denial of a loan and has caused significant harm to me. Consequently, I am prepared to take legal action against all parties involved, including Equifax, XXXX XXXX XXXX, and XXXXXXXX XXXX. It is important to emphasize that this situation is not only unlawful but also unjust, and I expect a swift resolution. In conclusion, I urge Equifax to conduct a thorough investigation and human review, rectify this issue promptly, and remove any erroneous accounts from my credit report. Your immediate attention to this matter is greatly appreciated.

Company response to consumer: Closed with explanation