vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Confusing or missing disclosures
Company: FIRST CITIZENS BANCSHARES, INC.
State: AL

Complaint narrative:
This is a general complaint about a new shady practice, not illegal, I have noticed first with CIT Bank and now XXXX XXXX XXXX. With interest rates rising, they don't raise rates on your existing account automatically. They create new savings accounts with a new name that pay high interest with names like " Savings Builder '', " Savings Connect '', and now XXXX XXXX has XXXX XXXX XXXX XXXX XXXX  I have had to open 2 new accounts with CIT Bank to get higher rates, and just now with XXXX XXXX. You do not see that option if you are logged into your banking account, you have to go pretend to be a new customer and go check their rates first. To be fair, they do make it easy enough to open another account, but there is no purpose that I can tell other than to pay a different rate. Its just a shady practice bilking the customers probably out of XXXX  if they do not remain vigilant! I am hoping more will complain so the practice will change. Thanks for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: HUNTINGTON NATIONAL BANK, THE
State: MN

Complaint narrative:
My bank Huntington : Via the web portal I could see 1 ) My business checking account 2 ) personal checking 3 ) Joint savings account 4 ) My Huntington credit card A ) last week on Tuesday ( XX/XX/25 ), I went to my bank Huntington to make a deposit. I was informed I could not make a deposit and that Huntington was ending its relationship with me. 
I was told that in 3-14 days I would get ta letter and a check for the balance in the account * I could still see all 4 on the web portal B ) Also on Tuesday my credit card merchant told me that deposits were bouncing- so I couldn't get my payments from my credit card transactions c ) On Thursday the XXXX, I received an email that a deposit went thru on my business account. That was a change- so I thought things have changed. I did take out some money just in case this was a fluke * Now on portal I can only see Business checking and my Huntington credit card d ) Today- its been 8 days and no letter and no check on the balances on the accounts missing : My personal and the Joint Savings e ) Today I received notice from my XXXX XXXX  that a payment I put on there bounced. I took this as a very bad sign and that I have very little credit left on this card f ) so today, I go to Huntington to try and move out a significant portion of the money- leaving some monies for the automatic withdrawals. 
I am informed that my business account is closed. Now I am dealing with the exact same person at the bank as previously- so she remembers me from Thursday when I took some money out. 
She calls corp office. They have no answer to as why this is happening and they refuse to talk with me. 
I say to her if we are going to end our relationship then give me a cashiers check for 70 % of the account and leave some in for withdrawals- she says she can not take out any money. 
I say to her how can I pay my bills. She says now corp says I will get a letter and check for the balance in 35-45 days!! WHAT! 
* I can still see my Business checking account and Huntington credit card. When does the clock start on the 35-45 days? and Why did it get lengthened from 3-14 days?? 
I don't know what to do. I have the payment to the XXXX due on the XXXX and other payments coming due.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX : ACCOUNT # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states 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 2022-11-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc.
State: NC

Complaint narrative:
A debt agency is falsely reporting to the credit bureaus that I owe about {$7200.00}. I have sent three Letters, certified mail with return receipts, to the Professional Debt Mediation company requesting them to validate and send proof ; They have not sent anything. The first letter was sent and received by the company on XX/XX/2022. The second Letter was sent and received by the company on XX/XX/2022. And the final request was sent and received by the company on XX/XX/2022. In my final letter I requested the company to remove this fraudulent report. They have been given an excess amount of days to argue their case ; I need this removed from my credit immediately ; This is a clear violation of the FCPDA and my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: DISCOVER BANK
State: IL

Complaint narrative:
I have been receiving multiple calls throughout the day and night in regards to payment for my loan. I have attempted to set up auto payment on at least 2 different occasions, and each time was told that something didnt go through and was not able to process the payment. I have asked repeatedly to have certain phone numbers taken off of the account due to the contact being deceased, and they still continue to contact that number. I have given the company proof on multiple occasions that the contact is deceased and they have not placed that in my account. I have multiple voicemails stating that it is there last time reaching out, but I still continue to get more calls. When picking up the nighttime calls, no one says anything and they hang up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF THE WEST
State: NM

Complaint narrative:
Have a checking and savings account with XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX I subscribed to a trial - 30 day- XXXX + XXXX. I cancelled before the 30 days. XXXX debited my account for XXXX in XXXX then the charge disappeared. Then I was charged again. XXXX XXXX said they filed an escalated complaint. both tooj my dispute said I was to get affidavit in mail. never arrived. went into local branch XX/XX/XXXX. filled out affidavit. received letter today. botw is denying it. went back to branch. they still will not refundm

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
On Wednesday, XX/XX/2022, I received XXXX ( XXXX ) e-mails from PayPal ( XXXX ) stating the following : " You can no longer use PayPal After a review, we decided to permanently limit your account as we found potential risk associated with it. 
As a result, we can no longer offer PayPal services to you.

Any bank or credit card information thats linked to your PayPal account can not be removed nor can it be added to another account. You can still log in and see your account information but you cant send or receive money. 
If you have funds in your PayPal balance, it will be held for up to XXXX days. After that, well email you with information on how to access your funds. '' I also received XXXX ( one ) e-mail from Venmo stating the following : " XXXX XXXX, Your Venmo account has been frozen due to recent activity that triggered some security alerts. 

You may have received a separate email from Venmo with more information. If you have questions or want to reactivate your account, please contact Support here. 

Thanks, Team Venmo '' I have been blocked from access to the accounts and the funds reserved in them. I have contacted both PayPal and Venmo regarding this time-sensitive matter but have not received a response regarding the reasoning for the restrictions nor any information regarding how to appeal any decisions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX, TRANSUNION, XXXX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE FRAUDULENT ACCOUNTS FAIR COLLECTIONS AND OUT XXXX -- -> : {$3100.00} XXXX XXXX GROUP XXXX -- -> : {$440.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$12000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-02 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: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
Approximately XXXX  years ago, someone fraudulently opened a store specific credit card in my name. Comenity Capital Bank, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, serviced that credit card. When I received a statement of amounts due for that card, I called Comenity to report the fraud. Comenity told me that I had to send them a substantial amount of documentation to prove the fraud. I refused and advised them that any extension of credit on that card was at their peril and risk. To further protect myself, I placed a freeze on my credit information with XXXX. 
Today, XXXX XXXX, I received a letter from Comenity stating that they could not continue to process a new application for a My Place Rewards Credit Card until I lifted the freeze on my credit info with XXXX. Needless to say, this application was fraudulently submitted in my name. 
The whole reason I placed a freeze on my credit info in the first place was Comenity. I called Comenity today to advise them of the fraud. I told the initial contact that I wanted to report the fraud and was placed on hold for more than XXXX minutes before I disconnected the call. 
I believe the foregoing is a violation of the XXXX XXXX XXXX XXXX. The underwriting, or lack thereof, with regard to the second fraudulent application, constitutes gross negligence and a wanton inconvenience for a consumer such as myself. 
I seek any and all relief that the facts warrant, including but not limited to a letter of apology from the President of Comenity Capital Bank. They knew or should have known of the second fraud before they inconvenienced me with a letter which required my response. Thanks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-02 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: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
On XX/XX/XXXX I placed a charge with XXXX ; a company overseas for soccer tickets. I never received the tickets and missed the match. Nevertheless they overcharged my credit card for {$390.00} for a {$10.00} ticket. I tried disputing the charge since it happened but I have not been receiving any support or feedback from my credit card company. I have stayed on hold for multiple attempts with each attempt being over XXXX hours before hanging up. I seek reimbursement for the full amount under the consumer protection act. Any help in this matter would be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have been calling Bank of America every week for well over XXXX months. Each time I call them they tell me XXXX froze my account and they had nothing to do with it. I called unemployment and they told me they only disperse funds and do not freeze or authorize freezes on accounts. XXXX told me they dispersed the funds to my Bank of America account and I have to contact BoA to have them returned. I continue to email XXXX and call them each week but run insist that there is no reason BoA should have frozen my account. Bank of America stole all my money without probable cause, explanation, or notification. I have had no money for months and have resorted to borrowing from my XXXX just to pay my bills. I have gone into the bank in person and no one claims to be able to help me resolve my issue. I need my money returned to 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 2022-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XX/XX/XXXX i dispute the following information that appeard on my Equifax report from XX/XX/XXXX : XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
The current payment status of XXXX XXXX is incorrect because the balance due on this account is {$0.00}. 
XXXXXXXX XXXX XXXXXXXX Collection with account # XXXX opened on XX/XX/XXXX and a balance of {$10000.00}. 
I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. 
XXXXXXXX XXXX XXXXXXXX Collection with account # XXXX opened on XX/XX/XXXX and a balance of {$4400.00}. 
I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. 
XXXXXXXX XXXX XXXXXXXX Collection with account # XXXX opened on XX/XX/XXXX and a balance of {$10000.00}. 
I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. 
XXXXXXXX XXXX XXXXXXXX Collection with account # XXXX opened on XX/XX/XXXX and a balance of {$5400.00}. 
I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. 
XXXX XXXX  XXXX Collection with account # XXXX opened on

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
This agency is in violation of 15 USC 1692g. They were to notify me in writing 5days prior. I was not notified. As the original creditor only I can validate the debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately. 

XXXX. Account concerning XXXX XXXX XXXX and. 
XXXX. Account concerning XXXX XXXX XXXX XXXX XXXX. 

The reporting of these accounts is/are violation of 15 USC 1681 And The Fair Credit Reporting Act 15 USC 1681 ( a ) ( 2 ) ( b ). 

Under Truth in Lending Act 15 USC 1602 ( g ), " credit card '' is defined as and card used to extend credit, like Social Security Card or Driver 's License Card. Any authorization or approval of a specific extension of my credit directly or indirectly by the issue of the card is unlimited and backed by the full Faith and Credit of the United States Government per House Joint Resolution 192 48, 48, 112 and public law 73-10. The Government claims any and ALL debt and promises to pay Principle and interest dollar for dollar. 

After requesting a authentic record of account, proof of claim and right to collect also proof of consent to use or share personal information. 

I also realize I have the right to remove negative information from my report and have stated already that they don't have my consent and my Fee schedule for damages and copyright infringement could be found on my XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: HUNTINGTON NATIONAL BANK, THE
State: MN

Complaint narrative:
On Wednesday, XX/XX/XXXX, I checked my bank app and discovered this disturbing fact. My savings account was invisible, vanished from my online banking statements. My savings account is joint with my husband. 

On Thursday, XX/XX/XXXX, my husband and I went to Huntington Bank. We spoke with a bank teller, who made a phone call to gain more information. We were told that the savings account was closed and they did not know the reason. We were informed that Huntington would send a letter of explanation and a check for the balance in the account. The expected time of delivery was said to be 3 - 14 days. 

I questioned the teller because I believe these are poor business practices. Why didn't the bank call us into the branch to close the account and give me my money? Why is my checking account active? Now that I am unable to transfer funds from my savings to my checking account, I am unable to fund my checking account for ACH auto bill pay transactions. This will cause late fees and overdraft fees that Huntington will need to take financial responsibility for these unnecessary expenses. 

In all honesty, and with kindness, I told the teller I would not work for a company who treats their customers this way. This is like someone robbing you, except its my own bank! I hope she finds a new job with a trustworthy employer. 

Today, we made another visit to Huntington. This time I was told again that no one can explain why the savings account was closed, and Huntington will send a check with a letter of explanation in 30 - 45 days. That is outrageous! I asked would you be this calm if someone told you that your bank account was emptied to a XXXX balance, and they will send you a check in a month or more! With no explanation, the tellers were also confused and unable to help, even after another phone call to headquarters. No one can explain why the account is closed, why my husband and I weren't asked to come into the bank to close and receive the money that belongs to us.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 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: NY

Complaint narrative:
Contacted Company on XXXX XXXX to inform them my information is incorrect. Name and Address on my license should match my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My XXXX XXXX XXXX XXXX card information is being reported inaccurately.

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 2022-11-02 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: EQUIFAX, INC.
State: NY

Complaint narrative:
My XXXX XXXX XXXX XXXX card information is being reported inaccurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This Company has been notified with numerous letters and has failed to validate the debt related to identity theft. My accounts have not been investigated thoroughly, I have not received the requested documentation that shows any contracts, and validation. 

This has damaged my reputation and the company has failed to respond to my dispute letter that included an identity theft affidavit along with the requested identity proof documents. 

SEE CERTIFIED MAIL TRACKING NUMBER XXXX SENT TO XXXX VIA XXXX CERITIFED MAIL XXXX SENT TO XXXX VIA XXXX XXXX MAIL XXXX SENT TO EQUIFAX VIA XXXX XXXX MAIL 15 U.S. Code sS 1681n- Civil liability for willful noncompliance ( a ) In General Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) Any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) Such amount of punitive damages as the court may allow ; and ( 3 ) In the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 


I have attached all the relevant documents pursuant the above section of the law. I demand all the above fraudulent accounts in the attached dispute/identity theft letter be DELETED immediately within XXXX days of being notified of the identity theft.

Company response to consumer: Closed with explanation