vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
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. 

Account Name : XXXX XXXX : Account Number:XXXX Account Name : XXXX XXXX : Account Number:XXXX Account Name : XXXX XXXX : Account Number:XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX  XX/XX/2022 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 a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section 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 report by more than seven years.

15 U.S.C. 1681s-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 2024-02-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
When I reviewed my Barclays credit card statement on XX/XX/2024 I noticed that my credit limit was lowered your credit limit lowered lowered from {$14000.00} to {$10000.00}. This created a situation where I now owed more money than my available credit limit. 
On XX/XX/2024 I received a letter dated XX/XX/XXXX staying my credit limit was with now {$10000.00} with no notice. 

I called the next day to ask why I wasnt provided with any notice because it changed my ratio of available credit the rep told me it was because I was a risk. I asked to speak with a supervisor because I wasnt provided notice. He said he was a supervisor. I asked to speak with his supervisor and he said he would have to have that person call me back. I waited a couple days no one called me so I called them back again and told them I would be reporting this to you, the CFPB, and they said they could no longer speak with me and hung hang up. 

Since receiving the letter, I have now paid {$1900.00} on my balance in order to avoid the fees associated with being over the new credit limit Barclays just imposed on me. 

Because of this, my other creditors are now lowering my available credit limits, because Barclays caused my credit score to go down. 

Today XX/XX/XXXX I received a letter from Barclays claiming theyve been trying to get in contact with me and trying to reach me by phone which is a lie, they have never called. 

I would like this to be investigated as the FCRA requires credit card companies provide 45 day notice of credit limit changes and interest-rate changes.

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 2024-02-25 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I made a home project purchase from Lowe 's through Synchrony Bank XX/XX/XXXX. 
XX/XX/XXXX, I purchased a stove and ceiling fan which was incorrectly applied to home project account. I charged and paid off in full the same day. Because of the mistake Synchrony is charging interest on that purchase on a daily basis which keeps my interest rate higher than it should be and they refuse to correct the mistake and credit my account. They also applied a Lowe 's refund of {$70.00} to the account when Lowe 's said it would go to me. {$870.00} was the price for the stove and fan. XXXX sold and installed the home project ; Lowe 's provided it and synchrony finances it. The contract is {$180.00} dollars over XXXX mts total {$22000.00} without 9.9 % interest .9.9 % on {$14000.00} XXXX XXXX totals {$13000.00} which is way too much money on a {$14000.00} dollar purchase. I have requested a copy of the contract they failed to provide and got the run around. in spite of the {$180.00} mt agreement Synchrony has increased my payments to {$210.00} a mt which is more money in total. Also, I have a letter from the bank stating could pay off the entire balance with no interest within XXXX mts but I was denied when I inquired. When I purchased, I was told the interest was already built in by XXXX and Synchrony but then they started XXXX $ without notifying me so I lost the chance to pay minimum +interest. I would like mistakes corrected my due refund and a chance to pay it off. XXXX XXXX XXXX XXXX XXXX Thank 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 monetary relief
Consumer complaint received 2024-02-25 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: TransferWise Ltd

Complaint narrative:
So I had put up a XXXXXXXX XXXX on XXXX XXXX XXXX and this guy had to pay for it using Wise and I had to send money to verify this XXXX in gift cards and they had then asked for an extra XXXX so I sent that as had to borrow off a family member as they said it would be given straight back and they have now asked for a further XXXX and I dont have that money and all they are doing is demanding it and I cant give it to them and they keep promising that if I send it I would get it straight back, the first XXXX I sent they say they dont receive even though it says on my bank that its gone through and Ive showed it to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: MOHELA
State: VA

Complaint narrative:
Borrower Defense # XXXX. XXXX XXXX XXXX, XXXX XXXX XXXXXXXX # now ( Mohela ) Parent Plus Loan for XXXX XXXX XXXX. Attended XXXX XXXX  XXXX XXXX XXXX XXXX. I filed DTR on XXXX due to fraudulent employment claim and unaccredited school. ( XXXX ) Received letter of approval. Loan is still in my credit file. Please remove inaccurate data. Contact XXXX in Virginia. Address : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I recently pulled my credit to notice some unauthorized inquires and accounts which are a result of identity theft. These accounts are also violating my rights as a consumer under the Fair Credit Act and Fair Debt Collection Act. i did not consent for the creditors or credit bureau 's to report these accounts to my credit profile. This is Defamation of Character PLEASE DELETE AND REMOVE THE FOLLOWING ACCOUNTS LISTED : XXXX XXXXXXXX XXXX, XXXX, XXXX  XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, 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 2024-02-25 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: TX

Complaint narrative:
Company would not let me use my government issued ID from the VA to unlock my account they said that they had a fraudulent charge on my account so they locked it which I did not have a fraudulent charge and they will not let me open my account they will not let me transfer it they will not let me close it to touch my money I have already lost my house and my vehicle because of this and I still can't touch my money I have an appointment for the DMV to be able to get a state issued ID but that's not till XXXX I need 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 2024-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MN

Complaint narrative:
Hello, sorry I have to file a complaint against USAA again. This will be my final one against them as I have open a XXXX XXXX account and will be leaving them due to this fraudulent transaction. 

On XX/XX/XXXX my payroll check was deposited {$2500.00}. That same day, USAA hot me with a {$100.00} overdraft fee. My checking account was getting low but was still above XXXX. My savings had {$92.00} in it. I would have moved the money over if needed but it wasnt necessary. USAA charges my credit card {$100.00} but they never put the {$100.00} into my checking account. I opened a complaint on XX/XX/XXXX. On XX/XX/XXXX, they said they were wrong and rolled back the {$100.00} transaction. I thought it was over at this point. On XX/XX/XXXX I got a notice about something in my inbox. I read it and couldnt make sense of it. I noticed they put another {$100.00} on my credit card and this time they put {$100.00} into my checking account. Why? I didnt need it. 

The reason I believe they are doing this is because I have some debt from my divorce in XXXX that I have sitting on the credit card. Its at XXXX interest rate as long as no new charges are accrued. Now, they can charge me interest. This is FRAUD and I am requesting you to investigate and perform in person audits of USAAs overdraft process. I the past, USAA pulled from savings first but the rep I spoke with on XX/XX/XXXX said that changed in XXXX and many didnt know about it. I did not. I have removed tgis feature from my USAA account even thou I am leaving them, I am no risking it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC
State: NC

Complaint narrative:
Requesting Validation of debt for a debt recently added to my credit report. This company has violated my consumer rights and privacy by reporting inaccurate information to reporting agencies. This company is not in compliance with the FDPCA or FCRA.

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 2024-02-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI

Complaint narrative:
Hi, I closed my Bank of america XXXX credit card in XXXX, 2023. However, I have not yet received my security deposit of {$200.00} back since then. I have called bank of america multiple times regarding this, but they simply kept me waiting, or claimed that they have issued a new check, which never arrives.

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 2024-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Penn Credit Corporation
State: ME

Complaint narrative:
I do not know what this collection company is trying to collect or who it is from. I suspect it is a scam collection attempt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-25 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I have been deligently paying my balance with Care Credit from Synchrony Bank and have set up an automatic payment with my bank 's bill pay. I never missed a payment each month and I pay more than XXXX times the amount that is required by the bank. However, I didn't realize until recently that the date I set up my automatic payment is a week later than the due date imposed by Synchrony Bank. I called their customer department and asked to have some of the fees waived, but I was told that they can only waive the current month 's late fee of {$41.00}. The late fees that they put on my account has totalled {$450.00} when my current balance should only be {$280.00}. I asked to speak with the supervisor but was told that their system can only waive the current month 's late fees so no matter who I speak to, the result will be the same. I had no choice but to write directly to their CEO, but again, the response I received was that they can only waive {$41.00} of my total late fees. I don't believe that the late fees they have imposed on my account is justifiable. {$41.00} is more than the interest rate that they are collecting on my balance. This plain and simple greed on the bank 's part. I would like to have all these fees waived if possible. Thank 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 explanation
Consumer complaint received 2024-02-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
XXXX, Senior Account Supervisor, ID # XXXX, refused to provide the Internet Provider Address that was used by an identity thief using my personal information including my Social Security Number ( SSN ). XXXX XXXX provided this information so why can not Capital One provide this information. I am trying to find out who is using my personal information so that I may prosecute them, but it feels like Capital One is protecting an identity thief.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: IL

Complaint narrative:
On XX/XX/2024 my chime account was hacked. And XXXX was spent in XXXX California at store # XXXX. Then they went out to a place called XXXX XXXX  for XXXX before finally using a different card for XXXX dollars ant XXXX XXXX XXXX XXXX California. I first contacted chime less than an hour after the transactions showed pending on my account. I was told I had to wait for the transactions to clear before I could move forward with the dispute process. I filed an XXXX with the FBI and filed my disputes on XX/XX/2024. XXXX after filing my first dispute. I received XXXX emails from chime. The claim for XXXX was proven fraudulent and returned to my account. But the claim for XXXX was denied and no errors occurred. Even tho the exact same circumstances occurred. I filed my first appeal, I was told if I attached my copy of the XXXX it could help overturn my decision. I also requested the XXXX documents they used to deny my claim the first time. Not even XXXX hours has passed before I received a denial and that no errors had occurred. I called chime back and filed my second appeal. Attached information of my whereabouts at the time and a letter of reason. Only to receive another denial within XXXX hours. Chime support won't let me talk to the investigation team and have yet to receive the documents requested for them finding me at fault for the over XXXX dollars in transactions. I have proof that I was in Iowa an hour prior to the transactions being made in California.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Data and Contact Management Solutions, LLC
State: AL

Complaint narrative:
I HAVE BEEN NOTIFIED THAT MY DECEASED MOTHER HAD A XXXX ACCOUNT THAT THEY HAVE TURNED OVER TO A COLLECTION AGENCY ' XXXX XXXX {$2200.00} IM HER SOLE HEIR. 
AND THEY ARE THREATENING TO PUT A LEIN ON THE HOME SHE LEFT ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: GOLDMAN SACHS BANK USA
State: OH

Complaint narrative:
I have been a victim of identity theft. I have submitted several letters to all three of these credit bureau agencies and they have yet to remove these fraudulent items from my credit report. In my attachment, I have included my investigation letters with the fraudulent items and my FTC report that contains the items that need to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

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 2024-02-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Barclays Bank has been very unresponsive and difficult to deal with. They will tell you anything on the phone to get rid of you and simply not follow up as they promised. I have spoken with an XXXX XXXX, XXXX - bank manager who would not further identify herself and opened a ticket with the wrong information ( XXXX ) and falsely told me the " back office '' has sent me a corrected 1099, someone named XXXX who never contacted me, and XXXX who filed another ticket XXXX and told me I could not be put in touch with any of the above mentioned persons and that someone would again call. Was also told that a person had called once two weeks ago and never tried again and that is a lie because I have a fully working answering machine and there was no message from Barclays. 
Barclays opened a fraudulent account in my name XXXX with all my personal information about 2 years ago and never, not once, did they contact me about the fraudulent account until I was told that they sent the IRS a notice that I received over {$50.00} and would have to pay tax on it. 
They sent a sweet letter of apology which was all XXXX and still no way to contact them as the " back office '' or bank officials do not speak to or email with their customers directly. How did they so easily allow an fraudulent account be opened without ever checking with the " owner ''. I trust their is some government overseeing of such activity.

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 2024-02-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Continental Finance Company, LLC
State: NC

Complaint narrative:
I have been constantly calling this company to get assistance on the website to make payments. The site is always malfunctioning and they tend to change the site link to make payments without notifying consumers. I called for assistance and notified the company about the issues and was given the runaround. No one seemed to be able to access my account. The company continued to charge me late fees even though it was due to their malfunctioning site that I could not make payments. I have two credit cards ( VERVE and XXXX ) and I feel that I was neglected as a customer. This has been going on since XXXX or XXXX of 2023. I finally became very ill around XXXX or XX/XX/year> and was unable to monitor and get this matter resolved. The XXXX card I am now finding out was closed 277 days ago because of the high balance. However, the card could not be paid on because of something on their end. I have asked for the number of the place that the account was charged off to and they do not have a number and stated that they do not have a number to provide yet. The VERVE card continued to receive money with a hold placed on it and no one knew why and stated that they asked for the hold to be lifted. The hold is still on it after being requested to be removed over two days before I filed the complaint. I was told that the hold takes 24 hours to be released and it has been longer than 24 hours. I am negatively impacted by this account and denied credit. It amazes me that companies can take money quickly and slowly correct their errors knowing it affects the credit of the 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