vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NH

Complaint narrative:
On XXXX XXXX, I had deposited {$220.00} into an ATM machine in XXXX, MA. There were XXXX bills - XXXX {$100.00} and XXXX {$20.00} but the ATM reported only {$200.00} and I was missing {$20.00} so I went to the branch inside reporting this error. They fled a claim for me for the missing {$20.00} and XXXX days later that claim was denied which is just ridiculous and I lost my {$20.00}. I spoke to the branch manager XXXX XXXX at the XXXX location and she wasn't helpful at all and no one helped me get my {$20.00} back which is just ridiculous. I need my {$20.00} that the ATM ate up.

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 2022-04-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: NE

Complaint narrative:
I had a credit card with Citibank and in XXXX they decided not to renew my card based on my use of a credit reduction program that I was in many years ago, before I even had a card with them, did not involve their this card and without me ever missing or late on a single payment at any time. But this is not what my complaint is. The problem I have is that I earn rewards by using this card and had accumulated {$400.00} in XXXX reward money over the course of the prior year and they have refused to pay out this reward based on my account being closed which I did not ask for and it was forcefully closed by them! These rewards were earned BY ME based on the promotion they offered to pay cash back on credit used on their card. I strongly believe I am due these rewards and upon calling them and speaking to multiple managers I was denied these rewards regardless

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 2022-04-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
XXXX credit cards of mine were all closed on XX/XX/2022. I never paid late, I have a XXXX credit score and never went over my limits. Then to top it off they waited until i paid all but XXXX off to a 0 balance. When I called asking about them spoke to a manager whom would not give me a clear reason as to why all XXXX of my credit cards were closed. She advised she couldn't give that information to the public. I'm not the public these are my cards. Per reps they stated they felt I was high risk Jcpenny XXXX balance credit limit XXXX Old navy XXXX balance XXXX limit Belk XXXX balance XXXX limit Sams club XXXX balance XXXX credit limit Rooms 2 go XXXX balance XXXX credit limit Carcare XXXX balance XXXX credit limit Care credit XXXX balance XXXX credit limit Chervon XXXX balance XXXX limit So out of XXXX in limits in which the company gave me I only had balances on XXXX cards totalling XXXX and I'm a high risk. I never called during covid for payment arrangements or anything and you close my accounts now.

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 2022-04-13 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: MO

Complaint narrative:
15 U.S.C 1681 section 602 A - Right to privacy 15 U.S.C 1681 section 604 A - states a consumer reporting agency can not furnish an account without my written consent.

15 U.S.C 1692K - XXXX XXXX XXXX XXXXXXXX - XXXX - This account is reporting illegally and improperly XXXX XXXX XXXX - XXXX - Account should have never been reported to my credit XXXX XXXX - XXXX - Never provided written consent to report XXXX XXXX - XXXX - Reporting illegally, Review and delete ASAP. 

I just can't believe how you guys are verifying inaccurate and improper information, this has caused me so much stress.

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 2022-04-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Recovery Services, Inc.
State: NC

Complaint narrative:
I cancelled my service and they kept billing me and would not stop. After I had a zero balance. They continued to send false invoices. The last invoice I got was for {$150.00}. Now they are falsifying documents saying I owed {$1100.00}. XXXX XXXX XXXX falsified the amount owed and Southwest Recovery ( collection agency ) would not provide me proof of any contract signed by me to this bogus debt. PLEASE HELP. This is a copy of the email from XXXX XXXX XXXX when they continued to charge me inaccurately. 

Please contact the Collections department regarding your past due invoice. 
Inbox Collections Department XXXX XXXX XXXX XXXX XXXX via XXXX XXXX, XXXX, XXXX, XXXX XXXX  to me View this email in your browser XXXX : XXXX XXXX delivered C # # # # # # # # # # d, This is a friendly reminder that your account with XXXX XXXX XXXX, is past due. XXXX XXXX XXXX provides credit card processing for your business through your relationship with XXXX XXXX XXXX, XXXX. According to our records, your invoice balance of {$150.00} remains unpaid. Additional fees and costs may be due, based on your merchant account activity Please contact the Collections Department at ( XXXX ) XXXX if you believe there is an error in the amount due or if you would like to discuss payment arrangements. Collection representatives are available Monday through Friday, from XXXX XXXX to XXXX XXXX ( XXXX ) to assist you with resolving this matter. 

Payments should be sent to : XXXX XXXX XXXX XXXX Department XXXX XXXX XXXX XXXX, MI XXXX If your payment has already been mailed, please disregard this notice. 


Thank You, XXXX XXXX XXXX Collections Department XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 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: NJ

Complaint narrative:
In accordance with the FCRA, XXXX XXXX  Acct XXXX, XXXX  XXXX, XXXX  XXXX  XXXX, XXXX  XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX  XXXX has violated my rights. 
15 USC 1681 section 602A states I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 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: NJ

Complaint narrative:
In accordance with the FCRA, XXXX XXXX  Acct XXXX, XXXX  XXXX, XXXX  XXXX  XXXX, XXXX  XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX  XXXX has violated my rights. 
15 USC 1681 section 602A states I have the right to privacy.

15 USC Section 604 A Section 2, also states a consumer reporting agency can not furnish an 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 non-monetary relief
Consumer complaint received 2022-04-14 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: NC

Complaint narrative:
I need help with a dispute that I sent on XX/XX/2022 regarding some inaccurate things on my credit report. It has been almost 30 days and I have not received a response. This makes me feel like I am being ignored by the bureaus. This has caused me a lot of stress and I am asking that these items be removed from my credit report. My information was also impacted by the XXXX data breach and may have gotten into the 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 2022-04-14 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 — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2022, my personal checking account at Wells Fargo Bank held a balance of {$51000.00}. I went to my office the next day, XX/XX/2022, where I received a startling call from Wells Fargo telling me that they had picked up numerous transactions in my account that they wanted to verify with me that appeared unusual. They then read a list of XXXX very similar charges to my account. I wrote down all the transactions and they were all in the range of {$20.00} to {$24.00}. I recognized none of them and Wells Fargo said they would " look into them. '' I asked them to stop the charges, because none of them were mine. 
I heard nothing further from Wells Fargo until approximately XX/XX/2022 when a very large envelope arrived in my office from XXXX, containing the largest bank statement I have ever seen. It consisted of XXXX pages and contains a list of well over 3000 separate transactions in my bank account, all for the month of XX/XX/2022. I recognize only about 50 transactions which I made in XX/XX/2022 that day or the rest of the month. I had personal XXXX for over 7 hours on XX/XX/XXXX, did not use the credit card in question and had in my personal possession at all times. I still have the card in question.. The remaining transactions are completely unknown to me and were not made by me. I did deposit an additional {$17000.00} in the account and my social security check was also deposited in my account for me. I have also since discovered that an additional {$20000.00} was deposited in this account by being taken from a Wells Fargo credit line I held and put into my account without my knowledge. At the end of XXXX, despite deposits of {$92000.00}, the account balance is {$1800.00}. This means that a total of {$90000.00} was removed from my account without my knowledge, permission or consent. I have called, spoken with and sought answers innumerable times from Wells Fargo. Wells Fargo 's sole response so far is a brief letter telling me that one charge in the amount of {$19.00} was not an error and that it will stand. What they do not mention is their additional transaction fee of XXXX for each of the over 30,000 charges shown on my bank statement and that there are approximately 3000 transactions in that amount. I have calculated that they have made over {$2000.00} in fees by allowing me to be robbed of over {$90000.00} that they have no time to explain. Please explain to me how this is allowed to happen in our Federally regulated banking system.

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 2022-04-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TIDEWATER FINANCE COMPANY, INC.
State: CO

Complaint narrative:
Well I have had car for 2 years financed it out at XXXX at about XXXX dollars it is showing I still owe XXXX XXXX dollars payment is XXXX dollars a month on top of that I sent them a check from the insurance for about XXXX dollars with a letter stating that it was to go to principal and it still has yet to reflect because payoff is still showing XXXX and then some this is insane and to top it off they reported to all three Credit bureaus that it was in my bankruptcy when in fact I purchased it after I closed on it!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/2021 I was sent a letter from XXXX XXXX, CEO of Carrier Group Companies that they had a security incident and the privacy and security of information was breached. Shortly after that - my identity was stolen and credit cards opened in many different big box accounts like XXXX, XXXX XXXX, XXXX, XXXX XXXX etc. I was able to deal with their fraud departments and I froze my credit with all 3 credit bureaus. 

However, I had a Capital One XXXX XXXX card ending in # XXXX opened via an online account in XX/XX/2021. I have called Capital One more than a dozen times reporting the breach - and each time they report they have " investigated '' this account and it is my account and I must pay the bill. No matter what I do, who i speak to it is always the same answer. 

I have reported this breach, faxed in all required documentation, offered to meet with a banker in person - and to literally no avail - I can not get this one account cleared up. 

When I ask for the results of their " investigation '' to my issue- they say they can not provide me with any additional information and I should speak to collections to pay my bill. 

I would like to issue a formal complaint against : XXXX XXXX Capital One Financial Corp XXXXXXXX XXXX XXXXXXXX XXXX XXXX, VA XXXX I want to see the results of WHO via IP address of where my supposed account was opened. I want to see what the application was, I want to see what the results of their investigation against me was. 

Capital One Bank is the only bank that refuses to help me with my fraud claim - and their agents are so unhelpful- i think their internal practices should be investigated. 

I am reaching out for assistance in anyway you can offer. 

I hope to hear back. 

Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
WELLSFARGO XX/XX/2022 @ XXXX XX/XX/2022 @ XXXX XX/XX/2022 @ XXXX XX/XX/2022 @ XXXX And they call EVERYDAY as if my phone was bugged, typically after I have a phone call where I am speaking about money. That's just for this week, it's like this every week. I no longer have an account with them and they are holding my stimulus check and refuse to return it to the IRS.

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 2022-04-14 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX XXXX : acct # XXXX XXXX XXXX XXXX XXXX acct # XXXX XXXX : acct # XXXX XXXX XXXX  : acct # XXXX XXXX XXXX  XXXX : acct # XXXX XXXX XXXX XXXX  : acct # XXXX XXXX XXXX XXXX : acct # XXXX XXXX XXXX XXXX  : acct # XXXX XXXX XXXXXXXX XXXXF : acct # XXXX XXXX XXXX  XXXX : acct # XXXX XXXX XXXX : acct # XXXX XXXX XXXX XXXXXXXX XXXX : XXXX XXXX XXXX XXXX XXXXXXXX : acct # XXXX XXXX XXXX XXXX XXXXXXXX : acct # XXXX 15 USC 1681 a ( 2 ) - consumer reporting agency may furnish a consumer report under circumstances in accordance with written instructions of the consumer to whom it relates.

15 USC 1681 section 602 A- states I have the right to privacy.

15 USC 1681I- Reinvestigation is required

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have reached out to Transunion to have several hard inquiries removed, however, after several conversations with the company they have refused to remove the inquires even with the necessary documents. The company has confirmed the documents have been received however still have not removed the hard inquires per my request. I would like the inquiries removed 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 non-monetary relief
Consumer complaint received 2022-04-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
During the Covid 19 pandemic I got into the forbearance plan. Once the plan was over I was told that I do not qualify for any mortgage assistance after and the lump sum has to be paid or else I need to go into foreclosure or sell my property. How can a lender help during the pandemic and once the forbearance is over have you lose your house? I need help or options to help me save my house.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 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: GA

Complaint narrative:
Please remove XXXX XXXX XXXX XXXX credit card from my credit reports, XXXX XXXX XXXX XXXX has committed fraud by having someone else open up accounts in my name I went to report it, they didnt do anything about it, so I want this credit card removed, I have filed a ftc identity theft report and my information has been used to open accounts in my name with out my permission but XXXX XXXX XXXX XXXX has poor security, I want this off my credit report, XXXX has had a data breach and my information has been exposed on the web XXXX XXXX XXXX XXXX did not take this serious

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 2022-04-14 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-04-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX TransUnion dropped my credit score by XXXX for simply adding one credit card to my name. No other credit reporting agencies did that. XXXX points is a very damaging point drop affecting everything g from me getting a job, a car or a place to live

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 2022-04-14 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: IL

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

Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX 15 U.S.C. 1681 section 602 A. States I have a right to privacy. 


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

15 U.S.C. 1666 B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 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: IL

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

Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX 15 U.S.C. 1681 section 602 A. States I have a right to privacy.

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

15 U.S.C. 1666 B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

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