vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-03-02 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: OH

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. 
XXXX # XXXX has violated my rights XXXX  XXXX # XXXX has violated my rights XXXX # XXXX has violated my rights XXXX XXXX  XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX XXXX XXXX has violated my rights XXXX  XXXX XXXX XXXX has violated my rights XXXX  XXXX XXXX XXXX has violated my rights XXXX  XXXX XXXX XXXX has violated my rights XXXX  XXXX XXXX XXXX has violated my rights XXXX XXXX  XXXX XXXX XXXX has violated my rights XXXX. XXXX, XXXX # XXXX has violated my rights 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES CONSUMER REPORTING AGENCY CAN NOT FURNISH ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15U.S.C ( A ) ( 5 ) 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 RPORT BY MORE THAN SEVEN YEARS 15 U.S.C 1681 S-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 non-monetary relief
Consumer complaint received 2023-03-02 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: OH

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. 
XXXX # XXXX has violated my rights XXXX  XXXX # XXXX has violated my rights XXXX # XXXX has violated my rights XXXX XXXX  XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX XXXX XXXX has violated my rights XXXX  XXXX XXXX XXXX has violated my rights XXXX  XXXX XXXX XXXX has violated my rights XXXX  XXXX XXXX XXXX has violated my rights XXXX  XXXX XXXX XXXX has violated my rights XXXX XXXX  XXXX XXXX XXXX has violated my rights XXXX. XXXX, XXXX # XXXX has violated my rights 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES CONSUMER REPORTING AGENCY CAN NOT FURNISH ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15U.S.C ( A ) ( 5 ) 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 RPORT BY MORE THAN SEVEN YEARS 15 U.S.C 1681 S-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 2023-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I discovered that one account still on my credit report was incorrect when I reviewed it. Validate the account that still reporting misleadingly to my file XXXX XXXX XXXX XXXX Balance : {$8900.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I discovered that one account still on my credit report was incorrect when I reviewed it. Validate the account that still reporting misleadingly to my file XXXX XXXX XXXX XXXX Balance : {$8900.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Capital one bank had promotion for opening a new saving account during XXXX. They advertised that getting a new account bonus {$500.00} for depositing {$50000.00} or more of external funds within 15 days of account opening and maintain {$50000.00} or more in your account for at least 90 days. I opened that account on XX/XX/XXXX and transferred fund XXXX from my external XXXX  account on XX/XX/XXXX. I kept fund ( which above XXXX ) till XX/XX/XXXX ( which is over 90 days ). However, I only received XXXX XXXX  bonus on XX/XX/XXXX ( which is the lower tier of the promotion ). Then I called customer service on XX/XX/XXXX. The customer service told me that the reason why I could not get the {$500.00} bonus is that in Capital one term the 90 days starts after the 15 days opening period is over. For example, I opened the account on XX/XX/XXXX, the 90 days period started on XX/XX/XXXX. This does not make sense to me because there are only two requirement on its promotion : 1 ) putting fund into the new account in 15 days after the account is opened. ( I met ) 2 ) keeping the balance at least 90 days ( I met ). The promotion never mentioned that starting date of 90 days period starts the XXXX day after the account opening date. Even though the customer service apologized to me and agreed that this does not make sense, she could not do anything due to capital one system setup. I think this is false advertisement which mislead customer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-02 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: FL

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX 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 XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 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: FL

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX 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 XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX 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 2023-03-02 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: EVERBANK, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
XXXX XX/XX/23 XXXX ( 22 minutes ) telephoned TIAA bank to ask about a CD had seen. Spoke to a young man. He said i could open the account and fund it later. The interest for the month was not being shown. I said i would call and authorize funding. 
XXXX I am looking at transfers from TIAA to other institutions XX/XX/23 XXXX ( 9 minutes ) spoke to a youmg lady and she could not tell me how much interest was accrued for the month. I said i would call to fund later. 
XX/XX/23 XXXX XXXX  ( 7 minutes ) spoke to a young guy. I saw my CD was funded. I was XXXX and DID NOT AUTHORIZE FUNDING. 
XX/XX/23 XXXX ( 6 minutes ) I was very aggravated after sleeping on the funding- not authorized and a large sum. i spoke to an older gentlemen who said i authorized funding when i did not. I said i wanted the money out of the bank, since i did not authorize funding. 
He said it would be a {$2000.00} charge. I had to get off of the phone very shaddy

Company response to consumer: Untimely response
Consumer complaint received 2023-03-02 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: OH

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 CONSUMER REPORTING AGENCY CAN NOT FURNISH ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15U.S.C ( A ) ( 5 ) 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 RPORT BY MORE THAN SEVEN YEARS 15 U.S.C 1681 S-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 response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
on XX/XX/2022 I went to XXXX and pay a temporal vehiculo internation fee in the Border to XXXX for {$460.00} dlls wich I paid with my ATM visa bank of america ending on ( XXXX ) on XX/XX/2022 I went to the XXXX XXXX XXXX colorado, XXXX XXXX Border to cancel the permit and be reimbursed since my vehiculo motor ( CAR ) is returned to USA and my trip ended .after a few weeks I realized that the money wasn't credited on my bank account and I have overdraft fees so I called the XXXX and they told me that the money was send back to my account visa card I originally used the first time with ( BOA ) bankofamerica visa card ending ( XXXX ). on XX/XX/2022 I contacted Bank of America to make a claim and the money was temporarily credited in my account .on XXXX bank of america denied my claim 'due to the length of time pased from my original transaction and taken back the Money from my account and charging penalties and overdraft charges and fees. since then I tied to contact them unsuccesfully putting me on hold wasting my time and irrespectully hanging my calls, the second time I was answered I requested the razon and information in writing and I haven't heard nothing back nor recieved nothing in writting. thank you for your help and legal advise to recover my 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 2023-03-02 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: IN

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX the following Accounts has violated my rights. 

Account Number : XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX Laws : 15 U.S.C 1681 section 602 A. States that 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 2023-03-02 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: IN

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX the following Accounts has violated my rights. 

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  Laws : 15 U.S.C 1681 section 602 A. States that I have the right to privacy.

15 U.S, C 1681 Section 604 A - Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
XXXX 2022 called Mr Cooper to advise job loss due to Covid , had obtained new job but would not have first paycheck for several weeks -Was told I would be placed on an agreed payment plan that would not affect credit, was instead placed on a payment plan that resulted in credit affected. 
-Advised payment plan installment must be called in to pay via phone -Paid via phone to then have an unauthorized automatic payment debited same week resulting in bank fees, several hours on the phone with Mr Cooper and Bank conferenced together. 
-Both debits were credited versus the intended 1, resulting in defaulting out of payment plan without consent. This was Mr Cooper processing error. 
-Placed back on a payment plan to correct processing error for additional 3 months -Questioned Mr Coopers new payment plan as the payment amount did not add up to the amount owed to catch up missed XXXX payment. 
-Mr Cooper assured on several calls that amount was correct.

-Mr Cooper assured on several calls that notes were left confirming I was calling in concerned about the amount and confirmed amount reflected correctly for repayment plan -Amount was incorrect resulting in completing the repayment plan reflecting still delinquent. 
-Placed back on repayment plan and again, amount was questioned as this was too low. 
-Mr Cooper assured this is correct and advised they made note again that this concern was addressed. 
-Repayment plan completed resulting in still reflecting delinquent. 
-Contacted Mr Cooper again looking for resolution as the continued processing errors caused by Mr Cooper has had a direct and catastrophic impact on my credit score, credit limit, and placed a detrimental financial burden and strain being unable to afford basic living commodities.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: TX

Complaint narrative:
Today XX/XX/2023 @ XXXX XXXX  central time chime closed my account unexpectedly I watched them send an email to my phone I immediately went to try to access the app but had been automatically signed out - since Ive been going back and forth via email and phone talking to representatives and supervisors while having them tell me they are escalating my situation to the back support team I gave them an address where the check needs to be send immediately and they are currently giving me a hard time about additional documents when Ive got provided account information and etc to verify account. I even asked if I can even send in my birth certificate along with drivers license to have that NEW address I gave Them updated on file immediately because thats where the check needs to go ( XXXX Texas )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PENTAGON FEDERAL CREDIT UNION
State: IL

Complaint narrative:
My account was restricted permanently. I had money stolen from my account and when I filed a claim, the bank retaliated against me by restricting my account access permanently. Its clear they just want to get out of reimbursing me. The law states that I am not liable for any unauthorized transactions. Yet, {$1000.00} was stolen from me and PenFed did NOTHING to help me or to get my money back. The account is FDIC insured up to {$250000.00}. But my claim was not approved and all fraud that was done onto the account by a relentless criminal was then blamed on me and told to me that I violated the terms and conditions. I followed all the terms and conditions and let the bank know of the fraud right away. IF PENFED OFFERS YOU FINANCIAL PRODUCTS OR SERVICES, RUN! 
Such a terrible bank and the app is terrible. There is nothing secure about this bank. I believe this bank is embezzling my money for their own financial gain. I plan on filing a complaint with the ftc. I also plan on suing for damages is court.

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