vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
2017 I bought a car from XXXX XXXXbut the car was so expensive, i was telling the dealership to lower the payment for me, they refused, and they came to tow my car.now they still want me to pay for the car Today I would like to dispute the issue with santander.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 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: DISCOVER BANK
State: TX

Complaint narrative:
I am filing this complaint to DISCOVER BANK for allowing fraudulent account on my credit report and for no corrective actions taken on this fraudulent information. As I checked my recent credit report, inaccurate account is reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX for your reference and as proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: WESTERN UNION COMPANY, THE
State: VA

Complaint narrative:
I was sent a promo code email to apply for the next money transfer valid till XX/XX/XXXX XXXX 
I used the link in the promo code to send the transfer and in the process of completing the and reviewing the pending transaction, it appeared that there is no fee, so I confirmed it. 

Upon receipt of the WU confirmation, I noticed that they applied a {$12.00} fee, ignoring the promo code that was promised and solicited in the Western Union promo email. 

Had I seen the charge before completing the transaction, I would have not done the transaction. WU should have at least provided a summary of the fees before and not after the transaction and request acknowledgement of the fee ( which should have been waived anyway ). 

When I called the WU XXXX number to report the problem, they said it was too late. They would not credit the service fee, and they offered to send me another " promo code '' for the next transfer. 

I found that to be unacceptable Bait & Switch and fraudulent. 
I demand the refund of the {$12.00} fee that was charged illegally. 
Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I am writing to express my deep concern and frustration regarding the recent actions taken by Portfolio recovery in connection with an alleged debt. It has come to my attention that Portfolio Recovery has engaged in what appears to be a serious violation of the statute of limitations and, in the process, has subjected me to undue stress and inconvenience. As per the Fair Debt Collection Practices Act ( FDCPA ), creditors and debt collectors are bound by specific rules and regulations when it comes to the collection of debts, including the statute of limitations. Under the law, a debt becomes time-barred after a certain period, beyond which legal actions can not be taken to collect the debt. This debt was charged off in XXXX. In my case, I understand that the statute of limitations for the alleged debt in question had already expired, which is typically seven years in most states. During this time, the debt was in collections, and it adversely affected my credit score. However, to my surprise, Portfolio Recovery removed the collections account from my credit report but then took the drastic step of filing a lawsuit to collect the debt, well after the statute of limitations had expired. Furthermore, I want to bring to your attention that I never received any formal notice regarding this legal action. I was completely blindsided by the lawsuit, which is not only distressing but also a clear violation of my rights as a consumer. I believe that I should have been informed of the lawsuit and given an opportunity to respond appropriately within the legal time frame. Additionally, I am deeply troubled by the false and misleading information provided by the attorney office Portfolio Recovery hired, which erroneously claims that they have a 15-year window to collect on this debt. This misinformation has caused significant confusion and anxiety on my part.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TH Professional & Medical Collections LTD
State: IL

Complaint narrative:
I recieved a bill from TH Prof Medical Collection- I contacted them to let them know the amount was already paid to XXXX XXXX XXXX XXXX. This was in XX/XX/2023 On XX/XX/2023 they reported to Credit agency I owe this amount. I do not owe them anything and account should never have been reported on my credit file PROOF OF PAYMENT IS ATTACHED

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
We traded a XXXX leased XXXX XXXX XXXX in XX/XX/XXXX for another lease ( XXXX XXXX XXXX XXXX ). The payments were rolled into the new lease. XXXX XXXX ( XXXX XXXX, MI ) never submitted the lease term payoff on the XXXX lease. I have asked for proof of payment, and XXXX has not been able to provide. The vehicle balance is showing as vol repossession with XXXX XXXX Account XXXX team of approx XXXX XXXXXXXX {$280.00}. This has impacted myself and my cobuyer credit reports. I have attempted to resolve with dealership and keep getting the runaround.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: SANTANDER HOLDINGS USA, INC.
State: NJ

Complaint narrative:
I made a claim to Santander Bank and I explained to them that someone hacked into my bank account and they managed to steal {$540.00} from my bank account and transferred it to theirs. I told them that i never shared my login credentials to anyone and they asked me other questions but i cant remember what they asked but then i get the results in my mail and they basically said that my claim was denied due to inconsistencies

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have the synchrony amazon prime card and I am reporting predatory practices intended to recoup more interest fees from customers. First, I bought a television from amazon on XX/XX/XXXX ; it was a large purchase ( {$1700.00} ), so I thought it was smart to take advantage of the 12 month interest free financing. Come to find out, there is no way to set up autopay on the account to pay for both the TV in 12 equal installments plus whatever other monthly purchases I make on amazon. I had to do it manually each month. I was not told this by Synchrony or Amazon at the time that I purchased the TV at the promotional rate. The synchrony card 's failure to include an autopay feature that includes promotional purchases makes timely payment by consumers more difficult and takes advantage of the likelihood of human error in order to recoup more interest fees. That did in fact happen in my situation and I ended up paying about {$100.00} in interest ; at that point, I decided to pay the whole balance and forgo taking advantage of the promotional rate in order to avoid any future accidental interest payments. 

On that date I went to make the whole payment, XX/XX/XXXX, I sought to pay my bill and went to the web address on the bill : syncbank.com/amazon. That address took me to amazon storefront. I had to click through several " help '' windows to finally find the synchrony website for the prime card. I also tried going to the standard synchrony website, but I could not log in with my amazon synchrony password. The fact that the payment site was so difficult to find, is again a predatory practice -- by making the payment page difficult to find, synchrony amazon prime card knows some customers won't be able to find it on time, thereby incurring interest payments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 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: GA

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 account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$21.00}. 
XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX  account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX XXXX XXXXXXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX XXXX XXXX XXXXXXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$1300.00}. 
XXXX XXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
Collection account from XXXX XXXX with account # XXXX and a balance of {$480.00}. The original creditor is XXXX XXXX XXXX XXXX XXXXXXXX. 

I couldn't apply for any loans because of these negative items on my report which shouldn't be there. And Most of them are already XXXX balance but still reporting on 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 2023-10-23 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: Experian Information Solutions Inc.
State: GA

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 account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$21.00}. 
XXXX  account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX XXXX XXXXXXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX XXXX XXXX XXXX Lease with account # XXXX opened on XX/XX/XXXX and a balance of {$1300.00}. 
XXXX XXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
Collection account from XXXX XXXX with account # XXXX and a balance of {$480.00}. The original creditor is XXXX XXXX XXXX XXXX XXXX. 

I couldn't apply for any loans because of these negative items on my report which shouldn't be there. And Most of them are already XXXX balance but still reporting on 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 explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: NBT BANCORP INC.
State: NY

Complaint narrative:
This was taken care of. 
Opened XX/XX/17 Paid as agreed This as been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I currently have been waiting over 2 weeks for over 30 transactions and amount close to XXXX $ to be disputed. I was out of town when this happen and they denied my claim saying it was no fraud. Im a father of XXXX and Im about to lose my house because I dont have the money in my account to pay for anything. Ive been given the rundown everytime I call and they just hang up on me. Im very concerned because I can not lose my house and my children because of this. I need this to be fixed ASAP!

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 2023-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I wrote a check ( via Citizens Bank account personal check ) and put it in the US mail to be sent to XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX in the amount of {$5000.00}. The check reportedly never arrived at the church and was never cashed by the church. However, the check was cashed on XX/XX/XXXX at the XXXX  XXXX XXXX. I filed a report with citizens Bank XX/XX/XXXX, which is when I found out that my church had not received the money. I have a claim number with citizens bank which I filed on XX/XX/XXXX. I have made multiple calls and inquiries as to where my money is to no avail. I tried to call XXXX  XXXX XXXX as well and they will not give me any information. They hung up on me on XX/XX/XXXX. I called citizens bank again on XX/XX/XXXX and they asked me to get a declaration form started. I also contacted the PA department of banking, office of the Comptroller of the currency, and consumer financial protection bureau on that date.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Starting in XXXX some fraudulent charges started appearing on the checking account that I share with my XXXX XXXX XXXX daughter ( which was not the first time this happened ). They were rejected by Bank of America but it was getting my daughter confused about the security of the account. Then, on XX/XX/XXXX, someone called using Bank of America 's XXXX number ( must have been a spoof number ) and said he was with Bank of America and that there was a lot of fraudulent transactions on the account, including XXXX transactions. He convinced my daughter to XXXX {$1000.00} in 2 separate transactions to " herself '' when it really was a scam and it was his phone number. Sh e lost a total of {$2000.00}. We called Bank of America the next morning, on XX/XX/XXXX, to report the XXXX scam. Bank of America temporarily credited her account on XX/XX/XXXX with {$2000.00}. They said that they would review the situation and make a final decision after 45 business days. After 45 business days I called Bank of America ( on Wednesday, XX/XX/2023 ) and asked them for a final determination, as a pending credit is useless if the bank is just going to take the money out at some point. They acknowledged that it was over 45 days but that they were having trouble getting the money back from XXXX, where the scammer must have had an account. I pointed out that, from online articles, it appears that they were reimbursing customers for this kind of impersonation scam and it shouldn't depend on what the other bank agrees to. The customer services agent said that she would have an analyst look at it and I should call back on Monday, XX/XX/XXXX. When I called back on Monday, XX/XX/XXXX, XXXX, a different customer service agent, acknowledged that the 45 day review period was over but it still hadn't been resolved yet. I told her it was completely unfair for the bank to hold this past their 45 day review period and how would it ever be resolved. She apologized but offered sort standard boiler plate responses. I am very disappointed in Bank of America 's lack of support and feel like they profit handsomely from XXXX but aren't willing to cover even the fraud cases they indicated they would cover.

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 2023-10-23 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: AL

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.

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 inructions 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 2023-10-23 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: Experian Information Solutions Inc.
State: AL

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.

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 inructions 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 explanation
Consumer complaint received 2023-10-23 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: CA

Complaint narrative:
I am writing this request that I have been a victim of identity theft and I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. 

Kindly eliminate the accompanying records as they are false and were opened without my assent or information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-23 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing this request that I have been a victim of identity theft and I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. 

Kindly eliminate the accompanying records as they are false and were opened without my assent or information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
On XX/XX/2023 there was 12 unauthorized transfers in to my account, 5 un authorized transfers out of my account. I called NFCU ( Navy Federal Credit Union ) once there was an alert sent to my phone XXXX XXXX XX/XX/2023 to notify me of the activity I called NFCU to notify them that I did not authorize or approve of the transactions done to my account, my accounts were hacked and I my account and debit card was accessed. There was a 9 day investigation, no credit issued, the funds were overdraft to my account after the 9th day.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.

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