vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I found out today XX/XX/XXXX that my Sams Club account and card was closed on XX/XX/XXXX. I have had this account since XX/XX/XXXX and I have NEVER been late with a payment, In fact I pay early from a SAMS CLUB APP on my phone. I have XXXX debit card accounts as a source to pay on my credit account, ( XXXX XXXX and XXXX XXXX ). On XXXX different occasions I attempted to make EARLY PAYMENTS and the payments were not honored. I selected my XXXX XXXX card to pay, but the XXXX XXXX card was attempted to be debited with insufficient amounts in the account. As soon as I was aware of the problem BOTH times I quickly made payments again. My account clearly shows my payment history as EXCELLENT. But for a glitchy app, my good payment history has amounted to absolutely nothing and my credit report is showing derogatory payment history. Sam 's club closed my account and the managers that I spoke to XXXX nor XXXX, showed any fairness to these facts nor did they take in account my payment history and continued to advise me that my account would remain closed, and that absolutely nothing could be done despite the facts that a payment was not due, nor have I ever been late. I am being shut down because of not yet due payment attempt glitches. I feel that as a consumer I am being punished for doing business with Synchrony Bank and my business is highly unappreciated, no matter what measures I take to do good business, As I have scanned the account requirements, In the payment information sections, I fail to see anywhere that a users account will be terminated for making unsuccessful early payments. Any account manager can look into my account and see exactly how I pay and the cards on file.

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 2022-02-01 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: EQUIFAX, INC.
State: GA

Complaint narrative:
My personal information on all credit bureau agencies are inaccurate. This includes my name, my address, phone contact, and background. I have been denied for falsified information on my report. Overall, I am still receiving these results of misinterpreted of my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TRUIST FINANCIAL CORPORATION
State: MO

Complaint narrative:
I refinanced a loan that was with Lightstream. My credit union sent them a check that they received on XX/XX/XXXX. On XX/XX/XXXX Lightstream pulled a payment from my account even thought the loan was paid in full. I contacted Lightsteam to ask why they pull the payment but didn't receive a response. Then I asked if they could return the payment ACH because I needed the money to pay other bills. They said they could not and would send out a check in XXXX  days. They have cost me overdraft and late fees on other accounts by taking this payment when the loan was already paid off.

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 2022-02-01 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: NC

Complaint narrative:
I was taken advantage of due to mild practice. While several laws are being broken under the Fair Credit Reporting Act ( FCRA ) by your company. This has caused financial injury, and defamation of character. I can't get a job. I can't apply for credit. I can't even get a sba loan due to the pandemic under this crisis .You have hurt my ability to obtain credit.

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 2022-02-01 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: NC

Complaint narrative:
I was taken advantage of due to mild practice. While several laws are being broken under the Fair Credit Reporting Act ( FCRA ) by your company. This has caused financial injury, and defamation of character. I can't get a job. I can't apply for credit. I can't even get a sba loan due to the pandemic under this crisis .You have hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
CapitalOne has not posted my XXXX 1099-INT online by XX/XX/XXXX, and will not accept any requests to provide a form until XX/XX/XXXX. The customer service rep confirmed a 1099-INT was generated for me, but that she was not authorized to provide me with a copy of document. She said that it can not be mailed to me yet either. Capital One 's policy for this issue is to refuse to fulfill missing 1099-INT requests and begin mailing copies until XX/XX/XXXX. CapitalOne will only begin to mail missing 1099-INTs starting XX/XX/XXXX. This is out of compliance with federal guidelines to provide 1099-INTs by XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
On XX/XX/2021 I received a notice of suspicious activity on my card. Someone had spent {$950.00} at an online sportsbook called " XXXX XXXX XXXX '' This charge also came with an {$47.00} cash advance fee. So a total of {$990.00} was debited from my account. 

I called Wells Fargo to dispute the charge. While on the phone with the agent the Wells Fargo agent called a number associated with " XXXX XXXX XXXXXXXX '' and the sports book admitted they had suffered a breach and my charge was fraud. 

I was told the charge would be refunded within 5-7 days. I reminded then to include the {$47.00} cash advance fee. 

The fraud charge was never resolved. It remained on my account for months. I called continuously ( at least 6 times ) and each time I was promised that the charge would be removed in 5-7 days. 

I started getting late fees and interest charges. Each time I called the representative would refund the late fees but this still hurt my credit. 

Finally, in late XXXX the {$950.00} charge was resolved. However, as I suspected, they did not remove the {$47.00} and charged me another late fee. 

I chatted with an agent but she said she could only refund {$20.00} because of chat agent rules. I have tried calling again, but the wait is always over 45 minutes and I eventually get disconnected before reaching anyone.

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 2022-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
For years, I have been going back and forth with two credit bureaus and my oldest line of credit because it is not being reported on my TransUnion and my XXXX credit reports. This was not always the case, but it is and has been for years. Both TransUnion and XXXX say that the credit line is not being reported and I should contact the credit line to have them report it. I contact the credit line and they not only tell me via phone that they are reporting to all three major credit bureaus ( XXXX, TransUnion, and XXXX ), but they send me letters from the XXXX XXXX Department stating that their records indicate that they ARE reporting to all three. The most recent letter was sent XX/XX/2021. 

I have sent proof of that documentation on several occasions. I have called, opened a dispute online, as well as submitted documentation via mail showing them it is being reported. However, as time goes on, the credit line still does not appear on either TransUnion or XXXX. What is equally frustrating is when you call; you have an artificial intelligence agent that you have to go through just to get nowhere. They constantly tell you to go online to dispute. However, since a missing credit line is not one of the items listed to dispute, the website does not allow for you to submit documentation for that issue. 

Knowing that my oldest line of credit ( which is 25 years this year ) is not reported on TransUnion and XXXX is frustrating because I know that your credit history is a good portion of how they calculate your credit score. 

I am beyond frustrated with this whole system. I wish the whole credit reporting thing didn't even exist ( and I have excellent credit ). Since we are so heavily surveilled and we have become the product ( since our information is sold over and over ), the least TransUnion and XXXX can do is report ALL of my current, open, revolving credit lines. We did not ask to be a part of this game. But since we are, at least treat us fairly.

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 2022-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
On XX/XX/XXXX my debt card was denied at the store. The clerk told me the error message said fraud. I immediately tried to log into my bank app and was denied access. I called the customer service number on my card and was told my accounts were frozen and set to close by the demarketing dept. They said my relationship with TD bank was being terminated. When I asked why they said they didn't know and I should contact demarking. I called them XX/XX/XXXX @ XXXX. They ask to leave a voicemail and will return your call in 24-48 hours. I have left MANY messages and called customer service MANY times in the following days. On XX/XX/XXXX @ XXXX, I went into a branch ( XXXX XXXX NJ ). They told me the same thing but said they would email the demarketing dept. On XX/XX/XXXX, the branch called and told me again the same thing with no further details. When I asked what I am supposed to do next in regards to gaining access to my funds, I was told I would have to wait to receive a letter in the mail in 7-10 business days. It is now day 6 of me not having access to my funds. I can not pay bills or receive my paycheck because of my locked accounts. At the branch and on the phone with customer service ( fraud dept ) I expressed that I was concerned because my husbands account at XXXX XXXX was compromised and fraud was committed via XXXX. XXXX XXXX told my husband that it was user error however they would try to recover the funds that seem to have went to some TD Bank account. I asked if this could possibly be related since my husband is a signer on one of my 7 accounts. They were not sure. Today, XXXX, I called customer service and learned that on XX/XX/XXXX, the day my account was frozen, someone tried to set up a XXXX profile. It was NOT me. Again I have NO idea why my accounts were frozen, what to do next, why I wasn't notified that someone other than myself accessed my account, there was been NO customer service. Instead of helping me, TD Bank is just trying to cut me off and I did NOTHING wrong. I am extremely upset. My mortgage payment is due today and my credit card bill is due XXXX. I have no way of paying them or depositing my paycheck. Every penny is currently locked. My checking, savings, and my XXXX childrens accounts. How can TD Bank treat a customer like this? I have been a customer since I am XXXX XXXX XXXX and was an employee of this company. I am so disgusted and upset.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-01 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
On XX/XX/2021, I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person.

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 2022-02-01 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
On XX/XX/2021, I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person.

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 2022-02-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: eToro USA LLC
State: FL

Complaint narrative:
Last XXXX I wanted to invest {$59000.00} in the eToro USA LLC platform, said company froze my account and my funds asking to verify my identity, which I already did, I did everything they asked me to do and still they have not unlocked my funds or my account, this problem started on XX/XX/2021 and I still haven't been able to solve it, I feel frustrated, I need urgent help, I need my money, gentlemen from eToro USA LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : 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 non-monetary relief
Consumer complaint received 2022-02-01 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
On XX/XX/2021, I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I rented a car with Chase Travel forXX/XX/XXXX, in XXXX XXXX XXXX on XX/XX/2021, for {$360.00}. The dropoff time was changed, and a new reservation was issued, with a cost of {$410.00}, though this was never reflected in my credit card statement. On XX/XX/2021, the reservation was canceled ( with an official email from Chase Travel stating that the car reservation has been canceled ), and by Chase policy, since the reservation was canceled at least 24 hours before arrival, this should have resulted in a full refund. However, as of XX/XX/XXXX, the refund ( in this case, for {$360.00}, not {$410.00} ) has not been processed, despite multiple calls, multiple " reference numbers '' regarding the status of the investigation into the refund, etc. None of the people who I have called have been helpful in advancing or showing any progress in this issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-01 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Hello so on XX/XX/2021 I mailed a letter regarding inaccurate and unverified things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by the Equifax AND THE XXXX data breach and may have gotten into the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Hello so on XX/XX/2021 I mailed a letter regarding inaccurate and unverified things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by the XXXX AND THE XXXX XXXX breach and may have gotten into the wrong hands.

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 2022-02-01 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: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I have a Corporate Bank Account with BB & T. While doing a wire transfer on XX/XX/21 with the Business Bank Manager XXXX XXXX in XXXX NC, she implored me to setup a business credit card under the corporation. As a company we wanted to have credit card references reporting to XXXX XXXX XXXX. I clearly stated that weve been in business 2 years and wanted more business credit not personal ( as my personal is XXXX score ) and I wouldnt even consider it if a hard credit pull would be performed to decision/issue the card. She assured me it would not pull my personal credit and never asked me any questions about the business or personally. She only stated that I would be notified by mail in a few days and that was it. When I left the bank, by the time I had gotten to the office 5 minutes away I had received an automated email message saying the application was denied. No reason was stated and said I would receive a letter in the mail with 7 days explaining. Within the same moment I got an XXXX alert stating a hard pull had been done on my personal credit. Ive called the local branch many times and left voicemails and XXXX NEVER calls me back. I called the main corporate number and they said that they couldnt tell me anything and said for me to wait until I received the letter by mail. I HAVE NOT RECEIVED ANYTHING! My credit report was accessed without my consent and never received anything by mail or any communication after. This is a complete fraud and Ive been victimized as a result of the shady dealings of BB & T ( now Truist Bank ).

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