vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FULTON FINANCIAL CORPORATION
State: VA

Complaint narrative:
I attempted to enroll in a bonus receiving checking account through applynow.fultonbank.com. I learned of the bonus receiving account through an online blog page. I am not absolutely certain of the exact blog page. The enrollment process required an opening deposit of {$25.00}. I provided routing and account numbers associated with my Truist checking account. Once I did so, the enrollment was cancelled. I called Fulton Bank customer service and they informed me that I would need to go to a physical branch to complete enrollment. I went to the branch at XXXX XXXX XXXX in XXXX, Virginia. I have two deposits, totaling {$.00}. The deposits were described as, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I do not have relevant XXXX  XXXX XXXX XXXX. Fulton Bank did not offer contact information about the service. I do not know if contacting XXXX about the deposits was relevant, as I have not received anything from that address. I do not want to keep the {$.00} I received. 

Dates and explanation of events - XX/XX/2023 Enrolled through applynow.fultonbank.com. That enrollment was canceled. 
XX/XX/2023 Account verifying, test deposits were posted to my checking account with XXXX. 
XX/XX/2023 Completed enrollment at the Fulton Bank branch at XXXX XXXX XXXX, XXXX, Virginia. 
XX/XX/2023 Contacted XXXX about the unreturned test deposits. 
XX/XX/2023 Contacted Fulton Bank by phone about the account verifying deposits. 
XX/XX/2023 Received an email stating Fulton Bank knows nothing about the ( account verifying ) deposits. 

Fulton Bank, N.A. 
Address XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX, PA XXXX Telephone Number : XXXX Website : fultonbank.com Consumer Electronic Fund Transfer Services Disclosures and Agreement

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 2023-08-26 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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I have been trying to get the information that is on my credit report removed and deleted but the credit card agencies would not so now I had to file a identity theft report besides giving each company a copy of my police report. But now I havr and FTC report done as well to have these credit cards removed from my credit report asap. The FTC reference number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I wanted to dispute my charge on a XXXX and my claim got denied without any extra information from the representative and they didn't help me and instead was on full side of the merchant. Then my credit card was reduced by {$4000.00} and then overcharge to purposely report me over the credit limit. if my credit limit isn't the same or higher before the overcharge then im going to a small court claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I submitted complaint XXXX and Transunion responded that they are working and it will take 60 days. Per the law they have 14 days to supply me with the verification method or the erroneous accounts described in the attached letter that I sent certified on XXXX XXXX need to be removed. Transunion has had more than enough time to send over the verification methods they used to verify said accounts.

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 2023-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
The company provided the XXXX false information claiming they needed to verify my identity. I mailed them a certificated letter requesting them to immediately delete outdated information, misspelling of my legal name, and removing of some hard inquires I did not authorize. 

In the same certificate letters, I demand NO credit freeze or fraud alert on my report. 

The certificated # 's are XXXX, XXXX and XXXX. In each of these mailing, I supplied a copy of my driver license and social security card. ( I did not upload here ) So quite frankly, I sick and tired of these stalling games by these credit agencies. 

I want these illegal items remove 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 non-monetary relief
Consumer complaint received 2023-08-26 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nelnet, Inc.
State: MD

Complaint narrative:
In pursuant to XXXX please tell me the total amount of this alleged debt that is owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST NATIONAL BANK OF OMAHA
State: OK

Complaint narrative:
Everything was fine until I asked to dispute a charge because I didn't receive what I paid for. At that point, I stopped getting any replies to my messages then they restricted my account and I have no way of getting ahold of anyone to find out why it is restricted. Just as with the other issue, they send me a generic " we're escalating this to the appropriate team and they will reach out writing 1-2 business days '' and I never hear from anyone after that. The bank is a virtual bank called XXXX. It is owned by First National Bank of Omaha

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 2023-08-26 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: FL

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 2023-08-26 00:00:00
Product: Credit 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XX/XX/XXXXXXXX  I was in XXXX and purchased two pictures and a figurine. I gave the guy my credit card to charge me for the merchandise and a few days later I saw the charge for over {$2000.00} on my card in two separate transactions. I got home on a Monday night Tuesday morning I called my Credit card to dispute the charges. They looked into it and on Thursday I got a letter telling me that the charges were found to be not fraud, and it would be credited back to my account. I called on Friday morning to talk to the manager of the fraud department and explain to her what happened and she told me that nothing could be done and that am going to be resonible for paying you for paying that {$2200.00} that I didn't spend. They told me because the actual card was used to make the purchase. This guy used to machines the first one. He told me it didn't work and then he ran my car to get on something else and I believe that he scammed me out of this money and I should not be responsible to pay for it. I don't have a receipt because the guy was supposed to mail me a receipt and never did for the items that I actually purchased. 
Here is a list of the purchases I did make in XXXX XXXX XXXX {$58.00} SXXXX XXXXL {$56.00} XXXX XXXX {$83.00} XXXX XXXX XXXX {$270.00} I did not purchase the following - I have no idea where this came from. 
XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX XXXX  {$910.00} When the credit card company saw this kind of large charges they should have contacted me right away. And they should have been flagged.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Filed a complaint yesterday and experian has now updated my XXXX XXXX balance and back dated it. They increased my score four points on my fXXXX XXXX XXXX XXXXXXXX but experian keeps my experian page ar XXXX and are pumping loans and credit cards 10 times a day saying another card will increase your score this has got to be illegal and now experian has stopped responding

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 2023-08-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
On Wednesday, XX/XX/XXXX I made a payment in full of almost {$6300.00} dollars. Normally payments clear within a day, two at most, but this time Venmo, managed by Synchrony Bank has not clear my available balance even after 3 days. I called them today to find out why and the reason I was given is because apparently there's an invisible 'threshold ' of {$2500.00} dollars that are counted together with purchases or payments and any amount over that is on hold for 7 days! Ridiculous. They already took my cash from my checking account and are holding it somewhere instead of applying it to my available balance. They should pay me interest for holding my money this long. They also refused to provide written documentation regarding this 'threshold ' which does not show anywhere. If this is indeed the case, as some representatives refuse to do their jobs, then they must be investigated for doing anything outside of the law. Anyone holding another person 's money needs to pay them interest while doing so. Other Venmo/Synchrony users beware!

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 2023-08-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Uplift, Inc
State: VA

Complaint narrative:
I notified Uplift on XX/XX/ about a XXXX XXXX purchase that did not occur, but their system was showing I had a loan that originated on XX/XX/. However, the merchant, XXXX XXXX verified that I did not make a purchase. 

As of XX/XX/2023, this Uplift loan is still active in Uplift with an upcoming payment schedule.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: NAVY FEDERAL CREDIT UNION
State: DC

Complaint narrative:
XXXX XXXX has been attempting to take money out of my checking account for fees that the bank acknowledged to me they are notorious for doing. My annual fees are not due til XX/XX/2023 and I just signed up with a free trial and monthly payments that are to come only off of my debit card. The only fees required to come out of my checking account again are annual fees. I only transfer money over when bills are due from other accounts I have or from my savings to my checking account. So, the NSF fees that Navy Federal is charging me were for fees again not expected to come out at this time. Navy Federal acknowledged to me the wrong in what XXXX XXXX is doing but had the nerve to tell me they can not give me " courtesy '' credits for the NSF fees charged because they already gave me fees back at the beginning of the month. First, one has nothing to do with the other. Second, they are acknowledging XXXX XXXX is doing wrong so how it is a " courtesy '' to return fees to me that Navy Federal is charging me? I want all NSF fees related to the ACH attempt withdrawls returned to me regarding Planet Fitness. I will handle XXXX XXXX aside from what Navy Federal is doing on my own but I think my bank would have a bit more empathy in doing what's right instead of charging me for what another company is doing wrong in.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC
State: SC

Complaint narrative:
Ive been paying on this loan for over two years. And its not budged but maybe {$200.00}. By this time it should have been payed off or close. I wasnt told about the high interest or paying a little more to get it down. Till after a year and I asked why is my loan not dropping. Then they finally told me and I was already in contract with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26 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: FL

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 response to consumer: Closed with explanation
Consumer complaint received 2023-08-26 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: IL

Complaint narrative:
This is not a DUPLICATE! This is related to case # XXXX. From experian XXXX screen shots will be included on here. There was no reason for my credit score change, I made no changes. My credit card balances are the same, no additional changes were made on my credit report. And in addition no additional inquiry was made from myself or authorized for anyone to do a HARD INQUIRY, on my personal credit report from experian. I am requesting my 3 credit score points be added back to my score. ON XX/XX/XXXX my score was XXXX and on XX/XX/XXXX and XXXX 2023 it went down to XXXX. There were no changes on my end and experian had no explanation for this. The 2 pictures I submitted shows this change. And that an INQUIRY caused this, although at this time MY CREDIT ACCOUNT WITH EXPERIAN IS AND WAS LOCKED AND FROZEN, which means there is no authorization for an inquiry on my behalf, and EXPERIAN FAILED TO BLOCK IT OR ALERT ME.. All the information I have provided today came from me going on Experian website, THIS ALL CAME OFF EXPERIAN website that I signed in to review.

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 2023-08-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I had a XXXX $ limit, paid it off in full for an apple Goldman Sachs credit card. The payment was pending for about XXXX weeks, during which time I had claim rights with my bank to get it refunded for bad behavior by the credit card company. About XXXX days after the XXXX payment posted, and I lost those dispute rights, they lowered my credit limit from XXXX to XXXX, without any prior notification, or any explanation as to why they waited exactly until I lost my dispute rights to make this change. Now, I can not use the credit limit to increase my credit score. I found this behavior very predatory. Finally I got a call from a Manager who told me to contact my bank to file a dispute, knowing full well they had waited out my dispute rights before pulling the rug out from under me. Now I could have used that money to pay off another credit card to gain credit score, or used it for myself, but instead they have commuted what I consider to be an incredibly scummy and dishonest act toward me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Synchrony Bank closed three of my credit accounts with over XXXX in credit limits because I accidentally mistyped my bank account number using autopay, which was corrected in less than a week and payments have been made. I think this is an egregious action for a simple and probably common mistake.

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 2023-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
This is the some complaint I opened previously. They have not fixed it. They responded that I need to provide info to access my account. Ive done that EXACTLY XXXX times. In XXXX XXXX XXXX, after experiencing some identity theft, I signed up for XXXX XXXX XXXX through Equifax. Through some sort of technical glitch, I was locked out of my online credit report. I opened numerous tickets with them from XX/XX/2018 until XX/XX/2018 to no avail. I have tried many times over the past 5 years to resolve it but they can not fix it or are unable to resolve it. I basically gave up until about 6 months ago when I was working to clean up my credit before I applied for a mortgage. I've had tremendous success with XXXX and XXXX, but my credit report is still locked with Equifax, to the point that it can't even be pulled for the 3 credit reporting agency report. It still has old addresses and fraudulent information and is hurting my credit. I have called Equifax 6 times, opened 6 tickets and each time they try the same thing over and over on the phone and then have to " escalate '' to their technical team and I'm supposed to hear back from them in XXXX days. That's where the issue dies. NOT ONCE has anyone emailed me that they are working on the issue. The latest ticket number is XXXX and no one has called me after 21 days. They don't seem to know what the issue is and it's like they have just given up. I've spoken to at least 12 Customer Service Agents that try the same things but they have no clue as to the problem. They can't even recreate an account for me or unlock it. I need to get into my account and I've been LOCKED OUT FOR 5 YEARS. I have way too many emails and notes on the issue, but they haven't responded to me via email in 5 years. I've included a screenshot of the original emails that went NOWHERE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have never applied for or done business with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The company is not licensed to do business in XXXX

Company response to consumer: Closed with explanation