vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I had a job interview through XXXX XXXX. I got the job and the guy said he would send me a check and to print and deposit the check. Did that and to get my equipment send {$1500.00} through XXXX and {$990.00} through XXXX. I kept asking if this was a scam he said no. Now the bank has my account in the negative and refuses to give me my previous funds and refuses to stop my paycheck that will come tomorrow.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
In my XXXX account - I was a message that I am pre-approved for Citi Rewards Card. Thus I applied. Even after having a credit score of XXXX, I was rejected. Reason provided- too many inquiries during last 12 months and some other reasons. 

Why Citi offering pre-approved cards via XXXX and later rejecting?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05 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: SC

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had late payments on accounts that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with | Maximum Accuracy. There are also inaccurate amounts being reported from different credit bureaus and payment dates have been inaccurate. Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Also accounts with I correct account amounts and payment dates I feel should be deleted as this is a violation. Also the address is incorrect and I want deleted from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX Sc XXXX needs to be deleted. My address is XXXX XXXX XXXX XXXX XXXX SC XXXX. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05 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: SC

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had late payments on accounts that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with | Maximum Accuracy. There are also inaccurate amounts being reported from different credit bureaus and payment dates have been inaccurate. Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Also accounts with I correct account amounts and payment dates I feel should be deleted as this is a violation. Also the address is incorrect and I want deleted from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX Sc XXXX needs to be deleted. My address is XXXX XXXX XXXX XXXX XXXX SC XXXX. Thanks

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
On XX/XX/XXXX my car was overcome by flood water that occurred in XXXX XXXX during the severe rainstorm and ensuing flood level waters that were sustained in the area where I work. The following morning the car would not start. It was towed to XXXX XXXX, where it was determined that the car is a complete loss and it would cost too much to repair vs its value as a XXXX car with very high mileage. My insurance company, XXXX XXXX, informed me that because I did not have Comprehensive coverage, ( optional coverage in the State of Florida ) there was no compensation for the loss. 
For 2 months I have been trying to find anyone at Bridgecrest to provide some informationany assistance at all.in determining how to proceed. As I do not own this car, and I do not hold the title, it has been sitting at XXXX XXXX for 2 months while I try and try and try without success to get some sort of cooperation from your company, which to date is ZERO. I called Bridgecrest immediately after the flood and was told that I am required to continue to pay my monthly installment regardless ( which was not my issue ) or your company will re-possess the car promptly. 
I am paying storage fees for a car that I can not have removed or salvaged because I AM NOT THE OWNER. I CAN NOT PROVIDE THE TITLE. A month ago, I spoke with on of your customer service representatives, who cheerfully volunteered to email me a copy of the title, which never happened. 
I have politely explained all of the above to at least 4 different people, on 3 different occasions via your XXXX. One of the representatives I spoke with knew that the car was destroyed in a flood, I am assuming based on notes, yet Bridgecrest has not reached out to assist in any way, shape or form, except to leave past due voicemails from UNKNOWN phone numbers. I am inundated with past due emails. 
Continuing to call your customer service line is clearly a waste of time and energy and it has caused nothing but continued frustration and aggravation for me. On the various occasions I have called, I am inevitably met with your account is past due and which payment method would you like to use to resolve this? I will not continue to pay Bridgecrest for this car unless there is some sort of resolution for this issue. What do I do with this car? I am not a car dealer or a loan company or an insurance adjuster. The car was destroyed in a flood that I had no control over. I am not authorized to have it disposed of. XXXX XXXX wants the car removed on XX/XX/XXXX. 
It is quite clear that Bridgecrest has no interest in their customers beyond receiving payments. I am a widow whose husband died during XXXX, I work full time to support myself and I have no way of knowing what to do, how to get a salvage title or what on earth to do at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
This account is inaccurate and incomplete and still appears on my credit report. 

Inaccurate Date of Last Active, while the Date of Last Payment is missing on the report. if this is a charge-off account then why there is a balance reported on this account? 

I have previously filed numerous disputes against this account, yet it still indicates that the account is not disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05 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: NY

Complaint narrative:
I checked my credit report and saw 1 hard inquiry by XXXX XXXX that was not mine. please have this removed immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I have checked my credit report and saw these inquiries that I did not authorize and wanted these items to be removed from my report. Below are the inquiries XXXX XXXX  XXXX, Inquiry Date : XXXX  ( The inquiry was not authorized ) 2. XXXX XXXX XXXX , Inquiry Date : XXXX  ( The inquiry was not authorized ) 3. XXXX XXXX, Inquiry Date : XX/XX/XXXX ( The inquiry was not authorized ) 4. XXXX, Inquiry Date : XX/XX/XXXX ( The inquiry was not authorized ) 5. XXXX XXXX, Inquiry Date : XX/XX/XXXX ( The inquiry was not authorized ) XXXX. XXXX XXXX, Inquiry Date : XX/XX/XXXX ( The inquiry was not authorized ) XXXX. XXXX, Inquiry Date : XX/XX/XXXX ( The inquiry was not authorized ) XXXX. XXXX XXXX, Inquiry Date : XX/XX/XXXX ( The inquiry was not authorized ) XXXX. XXXX XXXX, Inquiry Date : XX/XX/XXXX ( The inquiry was not authorized ) XXXX. XXXXXXXX XXXX  Inquiry Date : XX/XX/XXXX ( The inquiry was not authorized ) XXXX. XXXX XXXX XXXX, Inquiry Date : XX/XX/XXXX ( The inquiry was not authorized ) XXXX. XXXX XXXX XXXX, Inquiry Date : XX/XX/XXXX ( The inquiry was not authorized ) XXXX XXXX XXXX XXXX, Inquiry Date : XX/XX/XXXX ( The inquiry was not authorized ) XXXX. XXXX XXXX XXXX XXXX, Inquiry Date : XX/XX/XXXX ( The inquiry was not authorized ) XXXX. XXXXXXXX XXXX XXXXXXXX XXXX, Inquiry Date : XX/XX/XXXX ( The inquiry was not authorized ) XXXX. XXXX, Inquiry Date : XX/XX/XXXX ( The inquiry was not authorized ) TU XXXX. XXXX, Inquiry Date : XX/XX/XXXX ( The inquiry was not authorized ) XXXX. XXXXXXXX XXXX XXXX, Inquiry Date : XX/XX/XXXX ( The inquiry was not authorized ) XXXX. XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX ( The inquiry was not authorized ) XXXX. XXXX XXXX, Inquiry Date : XX/XX/XXXX ( The inquiry was not authorized ) XXXX. XXXX XXXX, Inquiry Date : XX/XX/XXXX ( The inquiry was not authorized ) XXXX. XXXX, Inquiry Date : XX/XX/XXXX ( The inquiry was not authorized ) XXXX. XXXX XXXX, Inquiry Date : XX/XX/XXXX ( The inquiry was not authorized ) XXXX XXXX XXXXXXXX, Inquiry Date : XX/XX/XXXX ( The inquiry was not authorized ) XXXX. XXXX, Inquiry Date : XX/XX/XXXX ( The inquiry was not authorized ) XXXX. XXXX, Inquiry Date : XX/XX/XXXX ( The inquiry was not authorized )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I have checked my credit report and saw these inquiries that I did not authorize and wanted these items to be removed from my report. Below are the inquiries XXXX XXXX. XXXX, Inquiry Date : XX/XX/XXXX ( The inquiry was not authorized ) XXXX. XXXX XXXX XXXX , Inquiry Date : XX/XX/XXXX ( The inquiry was not authorized ) XXXX. XXXX XXXX, Inquiry Date : XX/XX/XXXX ( The inquiry was not authorized ) XXXX. XXXX, Inquiry Date : XX/XX/XXXX ( The inquiry was not authorized ) XXXX. XXXX XXXX, Inquiry Date : XX/XX/XXXX ( The inquiry was not authorized ) XXXX. XXXX XXXX, Inquiry Date : XX/XX/XXXX ( The inquiry was not authorized ) XXXX. XXXX, Inquiry Date : XX/XX/XXXX ( The inquiry was not authorized ) XXXX. XXXX XXXX, Inquiry Date : XX/XX/XXXX ( The inquiry was not authorized ) XXXX. XXXX XXXX, Inquiry Date : XX/XX/XXXX ( The inquiry was not authorized ) XXXX. XXXXXXXX XXXX Inquiry Date : XX/XX/XXXX ( The inquiry was not authorized ) XXXX. XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX ( The inquiry was not authorized ) XXXXXXXX XXXX XXXX XXXXXXXX, Inquiry Date : XX/XX/XXXX ( The inquiry was not authorized ) XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX ( The inquiry was not authorized ) XXXX. XXXX XXXX XXXX XXXX, Inquiry Date : XX/XX/XXXX ( The inquiry was not authorized ) XXXX. XXXX XXXX XXXX XXXXXXXX, Inquiry Date : XX/XX/XXXX ( The inquiry was not authorized ) XXXX. XXXX, Inquiry Date : XX/XX/XXXX ( The inquiry was not authorized ) XXXX XXXX XXXXXXXX, Inquiry Date : XX/XX/XXXX ( The inquiry was not authorized ) XXXX. XXXXXXXX XXXX XXXX Inquiry Date : XX/XX/XXXX ( The inquiry was not authorized ) XXXXXXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX ( The inquiry was not authorized ) XXXX. XXXX XXXX, Inquiry Date : XX/XX/XXXX ( The inquiry was not authorized ) XXXX. XXXX XXXX, Inquiry Date : XX/XX/XXXX ( The inquiry was not authorized ) XXXX. XXXX, Inquiry Date : XX/XX/XXXX ( The inquiry was not authorized ) XXXX. XXXX XXXX, Inquiry Date : XX/XX/XXXX ( The inquiry was not authorized ) XXXX XXXX XXXXXXXX, Inquiry Date : XX/XX/XXXX ( The inquiry was not authorized ) XXXX. XXXX, Inquiry Date : XX/XX/XXXX ( The inquiry was not authorized ) XXXX. XXXX, Inquiry Date : XX/XX/XXXX ( The inquiry was not authorized )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and 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 2023-06-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Account that was open on my account that im not aware of. No actions was taken after repeatedly calling to resolve the issues

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
XX/XX/23 Open checking account on line with Trusit. Deposited {$50.00}. Set up my direct deposit with OPM.

In the days following I Received a few emails welcome me to Trusit. 
Received a debit card. 
Received a statement from Trusit dated XX/XX/23 showing my {$50.00} deposit. 
XX/XX/23 Try to get on line to my account. 
I contacted customer service- I was told my account was closed. I asked for a reason- no one would give me one. 
My pension was to be deposited into the account on XX/XX/23. 
On XX/XX/23 went to Trusit branch - manager said nothing she could do. I cant open account with them. Again no reason was given. 
Its XX/XX/23 I still havent received my pension. 
The bank has caused me much anguish and distress. My mortgage is due and I dont have the money to pay. 
Please help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Hello, On XXXX, XXXX I Deposited XXXX Checks on my Capital One XXXX XXXX Account. Those checks I got from XXXX XXXX XXXX XXXX XXXX due after XXXX of a Certificate of Error on my property. It is my XXXX XXXX for tax year XXXX, XXXX, XXXX which on i was applying at www.cookcountytreasurer.com on beginning of this year and got approved. Check are amounts XXXX for XXXX XXXX XXXX, XXXX for XXXX XXXX XXXX and XXXX  for XXXX XXXX. After that bank restricted my account. I was contacting bank by the phone to verify my identity and deposits that i made. After our conversation bank says that he ( bank ) can not verify those checks and decided to close my account! I was in shock! Official checks from the XXXX XXXX XXXX  and they can not verify them after even i gave them all information and evidence of my property and persona! I've been told that i will got my funds back in XXXX business days, but after more than XXXX month Im still waiting for my check from the bank ( checks were deposited successfully ). Please, help me to return my money from this bank. I was trying to contact the bank after this but they block my number and redirected me to voicemail, but don't receive a call back never. Is it Legal to do so??

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA
State: NV

Complaint narrative:
I've been unable to access my Apple Credit as Goldman Sachs / Apple is unable to input a new e-mail address for me to gain access to the card. The representatives have informed me that I have to close down the credit card and start a new one in order to access my credit card. This of course would hurt my credit rating and seems extremely convoluted for a consumer to have access to my account. I'm unable to review my balances, make payments, or make new charges with my apple card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP
State: CA

Complaint narrative:
XXXX  bank to US bank merger, all online systems are unusable and customer support is useless. this is causing me to have to resort to payments via credit card from another company which is, in turn, causing me to have to pay additional fees. 

A quick look at their XXXX  page reveals a huge number of customers with the same issues. Apparently, customer service is clueless or grossly understaffed, telling people to wait 4-7 hours for a callback.

I can not get the link, but one such post contains the title, " Joining U.S. Bank
from XXXX XXXX? Mobile and online banking new enrollment is not quite ready. Were working quickly to give you access. Thank you for your patience. '' The user comments can be viewed there. 

I also received a credit card to activate, which was, as expected, unsuccessful. When attempting to log on to the US Bank site at which I had previously registered, my username was disabled, no doubt due to some glitch in their system. 

This merger as it is called, happened on XX/XX/2023. Why wait for our enemies to cripple our financial systems when our own institutions are doing it just fine?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rent Recovery Solutions
State: OH

Complaint narrative:
I have already submitted two complaints with you guys for apartments that were wrongfully leased in my maiden name ( XXXX XXXX ) One was for an apartment in XXXX XXXX XXXX XX/XX/2022. The second one was for an apartment in XXXX XXXX called XXXX XXXX. This one is for another apartment in XXXX XXXX XXXX  called XXXX XXXX XXXX apartments. It says the account was opened on XX/XX/2022 and I owe {$2900.00}. Once again, this was not me doing this. I have never even visited these states.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rent Recovery Solutions
State: FL

Complaint narrative:
Rent Recovery Solutions has wrongfully sent a debt of {XXXX} to each credit bureau on XX/XX/XXXX. I have already paid this debt in XX/XX/XXXX and asked for proof of debt in writing, as well as sent four different types of proof that this debt has been paid. XXXX  XXXX  XXXX, the company who sent me to the debt collector has refused to contact Rent Recovery to amend the debt. XXXX  has sent us a ledger with proof stating this debt has been paid. 

Proof was never given to me by the debt collector. The wrongful debt has been reported to the credit agencies : XXXX, XXXX and XXXX. We have called Rent Recovery Solutions and asked why our debt was sent to the credit agency even though he had paid this debt and we were told a supervisor would call us back. We have not received a call back. According to XXXX reviews, this company has a history of sending false debt to credit agencies. 

We are suspecting this company has dishonest business practices. We would like to report Rent Recovery Solutions for sending this debt to the credit agencies when no proof of debt has been provided by them. 

Documents sent to Rent Recovery Solutions have been uploaded.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05 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: Ability Recovery Services, LLC
State: TX

Complaint narrative:
This collection agency is violating my rights. This account is a complete violation of the no surprise act XXXX Delete immediately. My privacy is protected under HIPPA laws. If you fail to remove litigation will follow. I have a medical bill that an out of network provider is charging me without my prior authorization.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CL Holdings LLC
State: UT

Complaint narrative:
In XX/XX/XXXX and XX/XX/XXXX an XXXX credit card and a XXXX credit card were opened fraudulently in Colorado where I do not live. I filed a FTC identity theft report and a police report with XXXX XXXX police department and they removed the accounts from my credit report. The problem now is they sold the accounts which they were not supposed to do to Jefferson capital who has since posted two collections on my 3 credit bureaus showing these collections of XXXX $ and XXXX XXXX I sent a copy of my reports to Jefferson capital and they never removed them from my reports.as stated they never should have acquired the account to begin with as it was never opened by me. This has caused me financial hardship as Im in the process of selling and buying a new home. If this isnt removed I will seek damages via fcra and in local small claims court. My date of birth is XX/XX/XXXX and ss # number ends in XXXX

Company response to consumer: Closed with explanation