vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I opened a business account with Bank of America in XX/XX/2022. I only opened one checking account, but 2 accounts were opened. The 2nd account that was opened was incurring fees that I didn't know about. No debit card or anything was ever issued. Eventually both accounts were dissolved and no paperwork was mailed.

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 2023-07-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
This is for Paypal. I was charged in XXXX pounds on XX/XX/XXXX XXXX by mistake and when I contacted the vendor was promptly refunded XXXX on XX/XX/XXXX. 

However due to hidden fees and unfavorable exchange rates chosen by paypal without appropriate disclosures I lost {$35.00} in those two days. When I looked up exchange rates and called paypal they were unable to give me any explanations other than vague explanations about policy changes and when I asked what the fee amount was they were unable to look it up or even let me know. 

This is predatory fine print and fees and it would have been cheaper payign by my credit card directly if I knew and I will not use paypal anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 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: FL

Complaint narrative:
in accordance with the fair credit reporting act the list of the accounts below has violated my federally protected consumer rights the privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: Albert Corporation
State: LA

Complaint narrative:
They signed me up for things I didnt even know I was signed up for they took almost XXXX $ dollars of of my account and I already waited 4 weeks to get XXXX $ back now they took XXXX $ out and they are saying it will take 4-6 days to get it back I reached out it takes forever for someone to contact you back and it take forever for them to put the money back that they took

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 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: Bread Financial Holdings, Inc.
State: NV

Complaint narrative:
I made my payment to Comenity on XX/XX/2023 for {$57.00}. 
They then took another {$57.00} from my debit account on XX/XX/2023. 

I called them to resolve the issue and they were of no help. They said they would issue me a paper check for the unauthorized amount but refuse to help in any way for the fee I will be incurring with my bank because of their fraudulent charge. I am now under {$57.00} in my debit account and will be charged an extra {$35.00} because of comenity bank. I called my bank and since the charge is still pending they can not put a claim through to stop the payment and comenity bank is not putting a stop to the payment on their end.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-11 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX  Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXX Date of inquiry : 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 explanation
Consumer complaint received 2023-07-11 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: TX

Complaint narrative:
My credit is taking a hit due to the negligence of this company and I need it off my credit report immediately

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 2023-07-11 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
On XX/XX/2023 I filed an Identity Theft Affidavit with the Federal trade Commission for illegal reporting from the credit reporting agencies. 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer Identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN INSTRUCTIONS to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 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: IN

Complaint narrative:
I have submitted the necessary supporting documents and I implore you to conduct a thorough investigation into this matter without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my 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 2023-07-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
My divorce was just recently final and I was in a very toxic, abusive marriage. I had zero control of bills, emails or anything of importance. After I escaped and filed for divorce I started getting letters in the mail from all different credit card companies. Here to find out these were open Freudianly from my ex husband and he had all the statements coming paperless. My attorney has filed contempt charges and fraud charges are reported also. The 3 credit reports are attached that show all these credit cards in my name and they were not opened nor used by me. This is causing a major problem as I am receiving calls non stop and even to my employer. Can you please help with 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 2023-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Called Bank of America on XX/XX/2022 and number of days/months after and before. They opened up a checking account and changed my second email address without my permission or knowledge. Claim number XXXX. Changed my email address ( attached document ) to an email I never use. Changed my physical address also.

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 2023-07-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
On XX/XX/2023 I filed an Identity Theft Affidavit with the Federal trade Commission for illegal reporting from the credit reporting agencies. 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer Identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN INSTRUCTIONS to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

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 2023-07-11 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: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. 

Under 15 USC 1681 section 602 states that I have the right to privacy.

15 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
Woke up to a new Bank of America checking account being opened in my name. I received two emails separate emails in my spam email account from Bank of America. The first said my checking account application was in process. The second said it was approved and had the type of checking and the last 6 digits of the account number. 

Ive called BoA, and with the last 4 of my SSN, there surely is an open account with the same digits in the email that is not yet funded, and the thing is, I cant seem to get anyone of the phone. The first time I was disconnected and the second time, I stayed on hold for 30 mins to be transferred and then disconnected. I finally reached a live person who claimed that a new fraud alert was being created but Ive yet to receive an email confirmation or a letter in the mail. Its been over two weeks since I spoke to the last Bank Security Agent. Please help!

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 2023-07-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: GA

Complaint narrative:
We purchased our home XX/XX/XXXX and M & T bank was assigned as our mortgage company. We recently discovered on XX/XX/XXXX that our monthly mortgage payment has increased by {$310.00} a month without any notification via letter or email from M & T bank due to our taxes and homeowner 's insurance increasing by {$1300.00} for the year. However, M & T bank created a reserve escrow account in which they are collecting {$3800.00} for the year rather than {$1300.00} which is a difference of {$2400.00} extra. They said they do their escrow analysis every XXXX but we NEVER received any correspondences from M & T bank that our monthly mortgage payment would increase due to a reserve escrow account until we logged into our account on XX/XX/XXXX to make a payment and discovered it increased. Then when we called M & T bank on XX/XX/XXXX we discovered that we were supposed to have received a refund check in XXXX of XXXX for {$540.00} that we NEVER received! This was due to paying over in our escrow as well! M & T bank said they would reissue the check for {$540.00} this month to us and that we will go through the same process again next year for this years overpayment in escrow! They are charging us DOUBLE in escrow for the year what we need to pay!! My husband is a Veteran of the XXXX XXXX and this is a VA home loan and we have NEVER experienced anything this shady before! We have been with XXXX XXXX, XXXX XXXX and a bunch of other lenders and this is the first time we've encountered anything like this! Please help us!

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 2023-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
On XXXX XXXX I sent out letters to the credit agencies to try to fix my report and nothing was changed. I sent verification as well.

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 2023-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Please remove the incorrect addresses from my credit file. 
They have never been used by me for mailing or credit application purposes. I have requested for them to be removed many times. This is a violation of the Fair Credit Reporting Act. I have attached a notarized certificate of residence affidavit as well.

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 2023-07-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: First Technology Federal Credit Union
State: CA

Complaint narrative:
I applied credit card with First Tech Credit Union. They turn down my credit application, the reason is I am having {$220000.00} credit available ready to use. My XXXX  score is XXXX, with under {$15000.00} credit debt, {$160000.00} balance mortgage loan. No car loan. I believe this is unfair business practice and discrimination.

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 2023-07-11 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: TX

Complaint narrative:
XXXX XXXX XXXX ACCOUNT NUMBER # XXXX OPEN DATE XX/XX/2007 {$32000.00} THIS IS NOT MY ACCOUNT I WAS NEVER IN THE MILITARY OR NOR DO I HAVE A BANK ACCOUNT WITH THIS BANK I NEED THE REMOVE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-11 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: NJ

Complaint narrative:
I earnestly implore you to take immediate and decisive action to remove the fraudulent inquiries from my credit report. It is crucial to acknowledge that I did not authorize these ACCOUNTS and their presence is causing me considerable distress.

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 2023-07-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
I applied for a mortgage with Huntington Bank in XXXXXXXX XXXX XXXX and was denied because of my debt ratio, so I was told. Im concerned about that decision now because I witnessed a couple of commercials Huntington released to the public. One commercial had an XXXXXXXX XXXX woman and a XXXXXXXX XXXX  banker discussing her mortgage possibilities, the lady stated that her banker told her that anything is possible when it came to her chances of getting a mortgage with Huntington. The other commercial had two XXXX ladies and there XXXX  banker, and he helped them secure the funding that was needed for there business. Im definitely basing my mortgage decision based on the release of these two commercials, Huntington contacted me and said they will forward my information to the appropriate department and address my concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
The XXXX XXXX miss my payments and put the account behind. Misses the credit system. 
Uses high interest rate and will not help the consumer with state programs or covid regulations.

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 2023-07-11 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: IL

Complaint narrative:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sent TransUnion a letter disputing all the inaccurate addresses they are reporting on me. 

The following addresses are inaccurate and I want them deleted from my report : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX. XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX The ONLY correct address for me is : XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX already sent them a letter explaining that these addresses are inaccurate and could put me at risk of identity theft. I do not want my sensitive information to be sent to the wrong address. I will attach the letter to the complaint.

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