vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: TX

Complaint narrative:
was charged for unnecessary optional packages stated I would not being able to get loan unless I signed up for those packages. forced sales basically

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland Equifax XXXX XXXX XXXX XXXX, GA XXXX Date : XX/XX/year> Dear Credit Bureau : I received a copy of my credit report and I have found that in accordance with the FCRA you violated my rights under : 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUTOUT MY WRITTEN INSTRUCTIONS. 
Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX - XXXX XXXX Account Number, XXXX I NEVER gave you, OR the above-listed creditors any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. Credit Reporting Agency has caused severe stress and anxiety due to the abusive and unfair practices. 


You should be ashamed of yourself for ASSUMING this role and position to constantly commit fraud and cause harm to consumers! These accounts are listed with late or missed payments and that is incorrect. The ABOVE listed ACCOUNTS were NEVER late and should be listed as PAYS or PAID AS AGREED. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report, and I demand that you provide me with concrete evidence and all documentation proving that I am or have been late. It is my understanding that you will recheck these items with the creditor who has posted them. 


Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this investigation within 30 days of receipt of this letter. Please send an updated copy of my credit report reflecting the requested changes. 


Best Regards XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
I received an email from XXXX XXXX alerting me to a hard inquiry on my credit. 
I received an email from Capital One reporting that I had changed the number on my account and had been approved for a new card. I had not changed the number or applied for a new card. I called Capital One and reported the fraud. They said the account had a {$0.00} balance and that they would start a fraud inquiry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-23 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: IL

Complaint narrative:
I check my credit report and saw inaccurate information on there. it hurting me from getting a house for me and my family. please remove this information immediately. XXXX XXXX  account number XXXX opened XX/XX/2024 past due {$460.00} but reporting on XXXX balance update XX/XX/2024. how is this possible if the account was opening XXXX. please fix

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 2024-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BMO BANK NATIONAL ASSOCIATION
State: MI

Complaint narrative:
While I was XXXX  from XXXX released family member stole my arm debitcard made several purchases and atm withdrawals illegally and without my knowledge or consent. Family member guessed my pin number because it was birthday of XXXX  of my children. Why didn't the fraud department stop several atm cash withdrawal in one day? Knowing this isn't my normal routine or behavior. My account suppose to have XXXX $ arm withdrawal limit per day but yet the bank let thousands of dollars get withdrawn out in one day. Why?. 
Transaction are as follows : XXXX XXXX XXXX $ XXXX XXXX $ XXXX XXXX $ XXXX XXXX $ XXXX XXXX $ XXXX XXXX $ XXXX XXXX $ XXXX XXXX $ XXXX XXXX $ XXXX XXXX $ XXXX XXXX $ XXXX XXXX $ XXXX XXXX $ XXXX XXXX $ XXXX XXXX $ XXXX XXXX $ XXXX XXXX $ XXXX XXXX $ XXXX XXXX $ XXXX XXXX $ That's whole lot of atm withdrawals in one day for the bank to not notice. I filed police report on XX/XX/24 with XXXX XXXX # XXXX police report # XXXX. Provided it to the bank with proof of my being XXXX  during these dates that I couldn't have used or made these purchases. Bmo bank said they will not reimburse me or help me get my funds back

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 2024-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: IA

Complaint narrative:
Well this is about the Wellsfargo overdraft lawsuit, I have been a customer since XXXX and have had my fair share of problems with them, but the issue I had on a number of occasions was when I would have written a check and it didn't go through right away or was held they would make sure the largest item went through first so every single thing after that ended up being overdrafted no matter how many there was, I remember one time XXXX  small XXXX dollar chargers i was charged XXXX {$35.00} overdraft charges and it has happen to many times, now it has been awhile since this has happen because I have smarted up to there practices but it happed several times over those years of being short on money and that is not all the problems I have with them it goes on and on and so far the only thing we have received from them is about them opening accounts with out our permission nothing about overdraft or anything else. Now I have 5 accounts with them for accounts in which I am talking about I can't really go back that far to look at them but I know they can

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 2024-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Metro Collection Service Inc.
State: SC

Complaint narrative:
On XX/XX/2024 I received an updated copy of my consumer report. I noticed that Metro Collection Services acct XXXX was still listed. This account has never been verified. I have never enter into a consumer credit transaction with this corporation. According to 15 USC 1692g debt collectors are required to notify the consumer within 5 days and send proof of the alleged debt. I never received any thing regarding this account. Furthermore any electronic copies of a bill statement does not prove that I owe a debt. Those documents can be fraudulent and if I never signed a contract with Metro bearing my wet ink signature then you have not right furnishing this false and inaccurate information on my consumer report. I want to remind you that according to 15 USC 1692j ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. and ( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section XXXX of this title for failure to comply with a provision of this subchapter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX  Cell : ( XXXX ) XXXX Email : XXXX XXXX XXXX XXXX . XXXX . XXXX XXXX XXXX, XXXX. XXXX Dear Sir/Madam : I am writing to you in regards to my complaint of an unfair and unfounded investigation by Bank of America ( BOA ) with my account. There were approximately three ( 3 ) illegal activities/transaction ( s ) on my account ; that was brought to my attention by BOA and this was the result ( s ) of the issue that follows : On or about XXXX the XXXX, XXXX ; between the hours of XXXX XXXX  and XXXX XXXX, I had received a text from Bank of America ; asking if I had approved a transaction for XXXX XXXX XXXX XXXX Dollars ( XXXX )? I immediately called the bank and advised them that it was not me ; consequently, please do not approve that transaction. They then advised me that my card was being used in the state of Iowa. I advised the Customer Service Rep. that I only use my card in New York, and had never been in Iowa. The BOA representative advised the undersigned, that the card was used three times totalling {$4500.00} and transactions were pending. I advised the Rep. not to disperse any fund ( s ) /transaction ( s ). I later found out that the transaction had gone through without my approval or authority to do so. I then visited a Bank of America near my residence to inquire further and that's when I found out that my personal information was stolen/changed. Bank of America showed me an Address of XXXX XXXX XXXX XXXX XXXX XXXX , Ar . XXXX. I know or havent known anyone ; nor have I ever visited Arkansas. I requested that BOA conduct an investigation on this issue, and to replenish back the funds to my account because those actions were fraud. The funds taken out by fraud were replenished about two weeks later ; but, was taken back out of my account on XX/XX/XXXX. XXXX. After I had found out the action that BOA had taken, they stated that because my card was always in my position and was not stolen, it's either I used it or gave someone the card to be used ; because the chip can not be duplicated. 

This statement/investigation from the BOA is unequivalently not true and totally incorrect. I am asking for your help in this matter and or your advice on how I can further get this matter resolved, and to have BOA replenish my funds back in my account. BOA is engaged in unfair practices and not abiding by FDIC agreement/policy. 


Yours truly 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 monetary relief
Consumer complaint received 2024-03-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I was approved for a Bank of America Mastercard recently. As soon as I had transferred a balance onto the card, I attempted to make the first payment online. I learned that BofA doesn't allow a consumer to simply link a bank account to make a payment. Instead, it requires the consumer to input the bank account data, then it asks the consumer to verify the account by calling customer service. I did so, but waited an hour on hold on 2 occasions and was unable to verify the account. So I sent BofA a payment by check in the mail, which was mailed 10 days before the due date. But the payment was posted late. 
The following month, I attempted to link a second bank account for the purposes of payment and had the same problem. Due to the lack of customer service and unneccesarily complicated verification process, I will be transferring my balance on this card to another bank and will not bank with BofA again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAVALRY INVESTMENTS, LLC
State: MI

Complaint narrative:
I found this account on my credit report. It is hurting my ability to obtain credit. It is my understanding that you will investigate to ensure accuracy. I require all contracts and transactions, along with the original purchase contract of this account, all the licensing and bonding information as well. I also request a copy of the certified return receipt from the USPS with my name, address, and signature. My rights are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: DC

Complaint narrative:
Marcus ( Goldman Sachs ) advertises their high yield savings accounts as a place to save a down payment for a home purchase. However, they refused a wire transfer to the title company/escrow account. They claim that wire transfers are on a " case-by-case basis, '' but refused to give any details on how to qualify to make a wire transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 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:
Despite XXXX written requests, the unverified items listed below still remain on my credit report in violation of XXXX XXXX. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section XXXX ( a ) ( XXXX ) ( A ) & Section XXXX ( a ) ( XXXX ) ( A ). Furthermore you have failed to provide the method of verification as required under Section XXXX ( a ) ( XXXX ). Please be advised that under Section XXXX ( XXXX ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

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 2024-03-23 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: IN

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have notification back from the XXXX XXXX Bankruptcy Court of Ohio, that states they do not provide personal information to third parties. Under the Privacy Act of 1974 and the opt out law, I request that the bankruptcy listed on my credit report please be removed. I am opting out of any authorization that they believe that they have, make note that no further authorization is permitted by me. I would like this bankruptcy to be removed from my credit report according to the law within four days.

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 2024-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have notification back from the XXXX XXXX Bankruptcy Court of Ohio, that states they do not provide personal information to third parties. Under the Privacy Act of 1974 and the opt out law, I request that the bankruptcy listed on my credit report please be removed. I am opting out of any authorization that they believe that they have, make note that no further authorization is permitted by me. I would like this bankruptcy to be removed from my credit report according to the law within four days.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The federal government automatically transferred my students loans to XXXX 2 years ago from XXXX. There is a duplicate of the loan stuck on my credit report for 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 2024-03-23 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: CT

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-23 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I have put in a complaint for this issue the complaint number was ( XXXX ) & it has not been resolved & I am very confused with the result. I am very disappointed that the CFPB allowed Chase Bank to go around my request. I specifically stated in my complaint that I have reached out to Chase Bank in regards to opting out of my non public personal information from being shared with non affiliate third parties & Chase Bank has not honored my request to do so. I expected the CFPB to have someone from Chase bank contact me in regards to having my requested honored since I have already tried to reach out to Chase Bank & was ignored. I even shared the laws that Cleary shows my rights to opt out & it still has not been honored which is extremely disappointing. 
15 USC 6801 states how institutions have an obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non public personal information. 15 USC 6802 ( b ) shows how I have the right to Opt-out & the institution must explain how I can do so & I have already expressed to the Chase Bank & the CFPB that I have did such requested & Chase Bank still has not honor my request to this day! 15 USC 6802 under ( c ) shows the consumer must be given an explanation of how the consumer can exercise that nondisclosure option. 16 CFR 313.7 under ( f ) states " Continuing right to opt out. A consumer may exercise the right to opt out at any time. '' Im having trouble understanding why the CFPB is not making Chase Bank honor my request, As they are put in place for my protection. XXXX, XXXX XXXX XXXX are a non affiliate third party as they are not listed as an affiliate on Chase Banks privacy policy notice. Its states under affiliates " The Chase affiliates are a network of firms owned by JPMorgan Chase & Co . They include JPMorgan Chase Bank, N.A. ; Chase Insurance Agency , Inc. ; XXXX.P. Morgan Securities LLC ; and others ". XXXX, XXXX XXXX XXXX are non affiliate third parties & if XXXX, XXXX XXXX XXXX are affiliates I am requesting such proof of this information be shown, & to my knowledge some institutions voluntarily share information it is not mandatory. I understand that there may still be some information that they are still are able to share but I do know that the laws protect the consumers sensitive information such as my non public personal information. Once again I ask the CFPB to please make Chase Bank to find out why they haven't respected my rights to opt out & to contact me to explain how I can opt out & have my requested honored such as my non public personal information as the law allows me to do so. This is a violation of the FCRA & THE GLBA.

Company response to consumer: Closed with explanation