vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: AXOS FINANCIAL, INC.
State: CA

Complaint narrative:
XXXX. I had initiated an ACH transaction to send money from from UFB to my externally linked account ( XXXX XXXXXXXX Checking ) for an amount of {$340.00}. 
XXXX. I had done similar ACH transactions on a monthly basis for similar amounts at roughly the same time of the month. So this was definitely not some kind of security/fraud related issue. 
XXXX. I got an email message from UFB telling me this transaction failed with no reason whatsoever. 
XXXX. I have tried multiple ways to figure out the reason for why this transaction failed including chatting with customer service and sending secure messages. 
XXXX. Every attempt at getting information was met with unresponsiveness. 
XXXX. I initiated a second transaction of {$340.00} ( the amount was deliberately chosen to be different from the original transaction in question ) and I'm hoping that this goes through.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
My mother is XXXX XXXX XXXX and has XXXX, I have a POA for her which also gives me access and control to her financial affairs. She has a joint bank account with her husband from whom she is separated and has not been in contact with for many years. His last known residence is in the XXXX, but no one has been able to find him. 

I went to the bank with my POA and requested access to the account, they declined. I asked for a written reason which they sent in a letter dated XXXX, XXXX XXXX. The reason for denial of the request is that they would require written permission from the other joint account holder before they could honor the POA. 

My lawyer is of the opinion that the POA gives me access to all her financial accounts. And indeed it was accepted by XXXX XXXX XXXX, The account is active and continues to receive a monthly social security XXXX. However, because of the banks refusal to accept the POA we are unable to access the funds and to our knowledge neither has her ex husband. Because of her XXXX, my mother is unable to go to the bank to gain access to her account.

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 2024-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX is reporting to Experian that I owe XXXX  on a closed credit card that is fraud. This credit card was stolen and was closed already. XXXX XXXX is not complying. They keep saying I owe XXXX  on a STOLEN credit card. I have paperwork that shows they closed the account. This is screwing up my credit score completely. Im unable to open any credit cards. I have had good credit before this

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 2024-02-11 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: RI

Complaint narrative:
I initiated communication with XXXX XXXX XXXX by sending a letter requesting them to opt me out of reporting for account number XXXX. Regrettably, not only did they neglect to fulfill my request, but their response was unrelated to my original letter, which explicitly asked for opting out of reporting. I have attached the original opt-out letter along with their response, two documents providing opt-out laws and their definitions, and a copy of the account details from all three reporting agencies. The documents reveal several inaccuracies present in the reports, and all relevant dates and information pertaining to this complaint have been provided for your review.

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 2024-02-11 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: RI

Complaint narrative:
I initiated communication with XXXX  XXXX XXXX by sending a letter requesting them to opt me out of reporting for account number XXXX. Regrettably, not only did they neglect to fulfill my request, but their response was unrelated to my original letter, which explicitly asked for opting out of reporting. I have attached the original opt-out letter along with their response, two documents providing opt-out laws and their definitions, and a copy of the account details from all three reporting agencies. The documents reveal several inaccuracies present in the reports, and all relevant dates and information pertaining to this complaint have been provided for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-11 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: RI

Complaint narrative:
I initiated communication with XXXX  XXXX XXXX by sending a letter requesting them to opt me out of reporting for account number XXXX. Regrettably, not only did they neglect to fulfill my request, but their response was unrelated to my original letter, which explicitly asked for opting out of reporting. I have attached the original opt-out letter along with their response, two documents providing opt-out laws and their definitions, and a copy of the account details from all three reporting agencies. The documents reveal several inaccuracies present in the reports, and all relevant dates and information pertaining to this complaint have been provided for your review.

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 2024-02-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FORD MOTOR CREDIT CO.
State: FL

Complaint narrative:
XXXX XXXX XXXX is has violated the following : Privacy Act of XXXX ( 5 U.S. Code 552a ) 15 U.S. Code 1681b 15 U.S. Code 1681c 15 U.S. Code 1681o 5 U.S. Code 1681n 5 U.S. Code 6805 12 CFR 1022.3 12 CFR 1016.1, 1016.4, 1016.7 Ford Motor Credit is currently violating the Security Exchange Act of XXXX. 

I am writing to you as a concerned investor in For Motor Credit and demand the immediate return of the securities and payments made as outlined in the agreement between the investors and the trustees. The purpose of this letter is to express my intent to file a lawsuit for securities fraud if the requested actions are not promptly addressed. 

unaware I entered into an agreement with Ford Motor Credit as an investor, wherein I entrusted my hard-earned funds and security to the trustees for the purpose of future financial gains. However, I have recently discovered substantial evidence suggesting fraudulent activities and mismanagement of funds by For Motor Credit and its trustees. 

The basis for my claim is as follows : XXXX. Securities Fraud : It has come to my attention that the securities I have invested in have been misrepresented, and false statements and promises were made regarding the financial performance and stability of Ford Motor Credit. These misrepresentations constitute securities fraud, a violation of federal securities laws. 

XXXX. Breach of Fiduciary Duty : As trustees, your primary duty is to act in the best interests of the investors. It is evident that this duty has been breached as a result of the mismanagement of funds and the failure to safeguard the interests of the investors. 

XXXX. Failure to Provide Adequate Disclosure : The trustees have failed to provide accurate and complete information regarding the financial health and prospects of Ford Motor Credit. This lack of disclosure has prevented investors from making informed decisions about their investments, further exacerbating the fraudulent nature of this scheme.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I have gotten repeated calls from Portfolio Recovery Services attempting to collect a debt that is not showing up anywhere on my credit report or in collections, I have no idea what they are referring to. They called me today on XXXX XXXX XXXX  and it is a Sunday. It is my understanding that under the Fair Debt Collection Practices Act this is illegal. I've stated multiple times that I do not wish to be contacted nor do I know what debt they are referring to as there is nothing in collections and I've checked with the credit bureau 's. This is becoming harassment, especially calling on a Sunday. I have a screenshot of the call log proving they contacted me outside of what the law allows.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-11 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
experian refuses to take off fraudulent accounts off of 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 2024-02-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I received an offer from Capital One for a balance transfer with 0 % until XX/XX/XXXX. 
I filled out all information and linked my bank account for automatic payments and then tried to do the balance transfer and the prompt told me that there are no offers available at this time. 
I have been all day trying to cancel this card and unlink my account and there is no way to do this. Capital One is scamming people and I need help. 
All of this happened today XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am constantly receiving promotional and preapproval letters in the mail even though I have opted out of receiving any type solicitation from companies that I don't wish to do business with. Eligibility information contains account numbers, names and address. ( 12 CFR 1022.20 ( b ) ( 4 ) ). Direct mail is listed with other examples of how solicitations can be done. According 12 CFR 1022.20 ( b ) ( 5 ), solicitation is the marketing of a product or service initiated by a person, such as a financial institution, that is intended to encourage consumers to purchase or obtain products or services. A pre-approved letter is done after accessing ones consumer report to see certain financial information which I have not granted my consent to have. These actions violate my personal nonpublic information ( personal identifiable financial information ( 15 U.S.C. 6809 ( 4 ) ). A pre-approved letter is intended to encourage a consumer to obtain a company 's product and services, hence pre-approved, instead of pre-qualify which authorizes a soft inquiry to create an offer. They always send correspondence that says Under the Terms and Conditions When we solicit you for an account or from time to time thereafter we may offer special terms in connection with your account. Per 15 U.S.C. 6802 ( a ) ( b ), The credit agencies have failed to send me any form of notices giving the opportunity to opt out of any access they are giving others, more specifically their affiliates that they are allowing access to my non public personal information. As to the claim that my credit score isn't affected, that is wholly untrue as every soft pull takes away a point. In addition when my SSN is hit for any type of inquiry and I do not receive anything in return, that is securities fraud because the company is trading on the secondary market with my information that is being sold to them.

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 2024-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
ive been trying to reopen my checking account with wells fargo. since my account suddenly was closed with them without telling me or anything why. i did not receive my money left in the account and didnt get anything. tried multiple times to reopen my checking account as i did like banking with the money

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 2024-02-11 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: IA

Complaint narrative:
Subject : Update of Personal Information - XXXX XXXX XXXX [ Date ] TransUnion XXXX XXXXXXXX XXXX XXXXXXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Dear Sir/Madam, I am writing to request an update to my personal information in your records. My name is XXXX XXXX XXXX, and I currently reside at : XXXX XXXX XXXX XXXX XXXX, IA XXXX I would like to confirm that I have no previous valid addresses. Therefore, please ensure that my credit profile reflects this accurate information. 

Should you require any further details or documentation to process this update, please feel free to contact me at [ XXXX ] or [ XXXX ]. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2024-02-11 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: IA

Complaint narrative:
Subject : Update of Personal Information - XXXX XXXX XXXX [ Date ] XXXX XXXX XXXXXXXX XXXX XXXXXXXX, PA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Dear Sir/Madam, I am writing to request an update to my personal information in your records. My name is XXXX XXXX XXXX, and I currently reside at : XXXX XXXX XXXX XXXX XXXX, IA XXXX I would like to confirm that I have no previous valid addresses. Therefore, please ensure that my credit profile reflects this accurate information. 

Should you require any further details or documentation to process this update, please feel free to contact me at [ XXXX ] or [ XXXX ]. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2024-02-12 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: American Accounts & Advisers, Inc.
State: MN

Complaint narrative:
I been receiving constant telephone calls of harassment, abusive and profane language and threats of death and been sent to jail and prison from American Accounts AD for 4 debt collection accounts that are not my accounts, are fraudulent accounts and is the result of identity theft. The American Accounts AD has account balances of {$1100.00}, {$760.00}, {$750.00} and {$660.00}. The debt collection accounts are fraudulent accounts and is the result of identity theft. American Accounts AD is in complete violation of the Fair Debt Collection Practices Act ( FDCPA ) under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Synovus Bank
State: CA

Complaint narrative:
I have sent two previous letters outlining certain errors and inaccuracies on my consumer reports. Ive also outlined many incomplete fields on my consumer reports which were set certified mail to the consumer reporting agencies. What dates and times did they contact you regarding my disputes? I am requesting a detailed respond to their methods to verify and rectify these inaccuracies and incomplete data being reported.

If you do not have the proper data to report/ furnish this information please delete this account since you have failed to do an investigation. You have also failed to do a re-investigation. Now I am requesting a detailed description of the investigation process by your company on the two separate disputes sent to the credit.

Below I will also outline with red circles outlining my consumer reports to show further inaccuracies and missing data/ incomplete information on my consumer report. Please delete/ remove these accounts if these inaccuracies cant be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My credit was destroyed by identity theft and I have done nothing but suffer from having poor credit I have complained multiple times and disputed many accounts that were opened in my name I filed XXXX XXXX bankruptcy in XXXX and the problem im having is I never opened new accounts my info was compromised and the credit bureaus have done nothing to fix this I have not applied for no new accounts and they will not fix the issue Im tired of disputing info when they were all aware of the identity fraud this has been going on for almost 2 years and Im tired of trying to fix this I need help to correct these errors

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 2024-02-11 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My credit was destroyed by identity theft and I have done nothing but suffer from having poor credit I have complained multiple times and disputed many accounts that were opened in my name I filed XXXX XXXX bankruptcy in XXXX  and the problem im having is I never opened new accounts my info was compromised and the credit bureaus have done nothing to fix this I have not applied for no new accounts and they will not fix the issue Im tired of disputing info when they were all aware of the identity fraud this has been going on for almost 2 years and Im tired of trying to fix this I need help to correct these errors

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 2024-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I was told i was able to open a bank account with no issues. So I wasted time and money going to the bank in person and all that wait time. To be told they can not open my account even though I brought my documents. They told me that it was because of XXXX XXXX  and I got in contact with them. They told me they don't have any thing to do with opening a account. That is the decision of the bank and to contact them about it to see what is going on and why they keep giving the run around. I am just trying to open a checking and savings account. I feel that the bank of America is not telling me the truth and not helping me with opening an account. I have check my XXXX XXXX report and there is nothing bad on my report to prevent me from opening my accounts.

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 2024-02-11 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: AL

Complaint narrative:
I have submitted several disputes to Experian XXXX XXXX. The disputes were correcting my address, accounts that arent suppose to be reporting and late payments. Experian says the accounts are coming back verified after a day or same day of me reporting the inaccuracies. The law says anytime something changes on your credit report you should be noticed. Ive NEVER been notified. I filed a dispute on XXXXXX/XX/year> and the results were in two days later.

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