vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-31 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: KY

Complaint narrative:
I have had a Lowes Credit card through Synchrony Bank with a XXXX XXXX dollar credit limit for 20 years ( XXXX XXXX XXXX XXXX ). That account was used for major purchases on my house in XXXX  and then in XXXX. Those purchases totaled around XXXX XXXX dollars. While traveling in XXXX of this year, I was contacted by a XXXX  I consider my daughter. She had to move and needed a refrigerator of the new house. She found one at the Lowes in XXXX, XXXX. I was able to call and talk to the manager of the appliance section and they agreed to make the transaction of around {$650.00} over the telephone. When they submitted it, it was declined. I received a security text, on my cell phone, from Synchrony bank stating that they had declined the purchase as suspicious. I received a follow-up text asking if I had made the purchase and I replied that I had. The next text stated thank you for verifyingthe purchase. If the purchase was declined, re submit it. I called the Lowes and they resubmitted it and it was again declined. I then called Synchrony and they stated that I had to go through an elaborate process over the telephone which, after several attempts, did not go through while I was traveling. In XXXX I received a letter from Synchrony which stated that after a review of my account they decided to close my account because of the restriction placed on the account for suspected unauthorized use and subsequent inactivity on this account. The letter also stated that if I had any questions to call XXXX. 

I called that number and was told that they were unable to answer any of my questions and that they were unable to provide me with another number. The lady advised that she was an operator in the XXXX and was not able to provide me with a corporate or legal affairs number. She advised that I could send them a letter. 

I sent the letter advising them that they were in error and it had not been unauthorized use. I received a second letter from Synchrony with a different excuse. It stated that my account had been closed based on an evaluation of my consumer account using a sound credit scoring system that includes reviewing all accounts contained within a consumer 's credit files and it was a result of this evaluation that my account was closed. My credit is rated as excellent. They stated that if I had any questions that I could call the same number that I had originally called. 

I have copies of the letters and the text messages. I requested that Synchrony maintain all documents and phone records including texts from my cell phone XXXX. I originally sent this complaint to Fed Reserve and they referred me to 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 2023-08-31 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: Comerica
State: IN

Complaint narrative:
In XXXX I called direct express concerning charges that I wasnt familiar with. They credited my account my account XXXX a some dollars. Then took it back out. Then on XX/XX/XXXX they took {$470.00} out for both XXXX and for an account Id never heard of and never agreed to. And so they paid them twice and wont even listen to me.so Im outthatmoney twice. And I cant afford this on what I get.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-31 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: U.S. BANCORP
State: MN

Complaint narrative:
US Bank owes me a refund of {$3500.00} from VISA transaction ID XXXX but no one at the corporation will search for My Missing Money, find out where it was mis-applied or mis-appropriated, and return the money to me. 

Details of my complaint are specified in CFPB Case XXXX which seeks to find or locate My Missing Money. XXXX response to my complaint states On XX/XX/2021, the Seller issued a refund of {$3500.00} ( Refund ) for the Payment, which was credited to your Credit Card that same day. It is important to note that most refunds will appear within five business days. However, refunds can take up to 30 days depending on your financial institution. 

I have never received this refund to my credit card from US Bank. 

Individuals at US Bank that I have talked to maintain that US Bank did not receive the refund. I believe US Bank, in an effort to provide quality customer service to a XXXX year loyal customer, should be working with the gateway provider XXXX to determine where My Missing Money is. 

Other individuals at US Bank that I have talked to maintain that because I did not file a Bill in dispute notice within 60 days as per the Fair Credit Billing Act, that I am not entitled to my refund. This purchase occurred when I was doing a home remodel during Covid, and, like everything else in the world, nothing proceeded easily, normally or smoothly. Because of the pandemic, renters were offered protections through the CARES Act, home owners were offered Mortgage Relief, students were given Student Loan Relief, and many exceptions were made to standard rules, laws, and operating procedures. I believe I am justified in asking for an exception to the timing of the XXXX. After all, this is MY money that was refunded ; nobody else has a right to the refund of {$3500.00}. 

I look forward to reaching the following resolution : US Bank traces VISA transaction ID XXXX for the misapplied or misappropriated funds and returns the money 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 2023-08-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
my bank account was compromised/hacked on XX/XX/XXXX and and some withdrew XXXX dollars without my knowledge or permission and bank of America denied my claim.

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 2023-08-31 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax has placed an account # XXXX on my account. This is not my account. How did they place this on my credit report? How many mistakes must they continue to make without respite or without repercussions? It is clear and quite evident that this is an account that belongs to someone else. It is their job to report COMPLETELY -- ACCURATELY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-31 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: EQUIFAX, INC.
State: MS

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-31 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: TX

Complaint narrative:
Equifax Information Services LLC is in violation of 15USC1681 ( 2 ) ( A ) in addition to 15USC1681 ( a ) 5 for allowing these person ( s ) to report inaccurate information on my consumer report without conducting a proper investigation under FCRA regulations. I notified Equifax that the person ( XXXX ) XXXX XXXX XXXX and XXXX XXXX XXXX  are in violation of 15USC 1681 ( b ) - 15USC 1681a ( 2 ) ( a ) ( i ) - USC 6802 Section ( b ) for contacting their credit reporting agency with my nonpublic personal information and data thats excluded from my consumer report without a signed written authorization contract from me. These person ( s ) failed to protect my personal information and provide me with my privacy disclosures pursuant to USC 6802 Section ( B ) before such information was reported. By law these violations demand the deletion of the inaccurate collection account from the person XXXX XXXX XXXX who was notified by me to cease and desist all communications regarding the allege debt not owed to them as well as the inaccurate account from XXXX XXXX XXXX that was removed on XX/XX/2023 and refurnished on XX/XX/2023.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-31 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
This individual asked to meet with me and seemed to offer me a deal. Later she stated she was attempting to scam me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Stark Collection Agency, Inc.
State: WI

Complaint narrative:
This Debt was filed and is on my credit report listed as charged off amount owed {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31 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: SC

Complaint narrative:
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.

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 2023-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
In researching XXXX 's notifications of late payments, I have made numerous complaints regarding XXXX  charging of late payments, thus producing late fees for customers to pay. I've sent a previous billing error letter to no avail. I am attaching another one with the qualifying information of proof of my being late. If they can not answer all of my questions, to prove I was indeed late including grace periods and all, then these 2 payments they've recorded late must be revised to " OK status ''. I am a good paying customer and have a long good standing payment history.

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 2023-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: U.S. BANCORP
State: CA

Complaint narrative:
About three months ago, I noticed that I was being charged double interest rates for purchases and advances! I went to the bank and met with a service clerk and he could not explain, so he called the bank main office and we were put on a conference call. The bank main office tried to explain it to me, however, it did not make sense. Hoping the problem would go away it continues the exist. This is an example of how the charges appear on each monthly statement! 
XX/XX/18 INTEREST CHARGE ON PURCHASES {$180.00} XX/XX/18 INTEREST CHARGE ON CASH ADVANCES {$110.00} Although I try to make my monthly payment every month, I will never be able to pay off this debt because it appears that the payment is going to interest only!

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 2023-08-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Ive been a satisfied Capital One customer for more than 40 years, transitioning from XXXX XXXX post-acquisition. Regrettably, I can not exaggerate my disappointment in your decision to transition from an electronic bill-pay application which I believe was industry-leading from a customer perspective to one which is demonstrably worse. While there are several onerous process requirements which had not previously existed, one change is particularly egregious and conjures up visions of the business practices of XXXX XXXX Bank, a comparison which any bank ought to find embarrassing. 

For many years with the Capital One bill-pay application when I selected a creditor to whom I wanted funds transferred the latency was a single business day. No reasonable person would ask for something timelier. What this clearly illustrates is that technology and standards make doing so achievable. I strive to meet my financial obligations as close to on-time as possible. Doing otherwise is economically disadvantageous to me. With the new bill-pay application Im forced to meet my obligations seven days in advance of the vendor due-date. Its a benign change to the vendor but economically disadvantageous to me ; however, it is economically advantageous to another party, presumably Capital One, in a significant way. 

My family has approximately {$4000.00} in recurring monthly obligations to various creditors which we meet using Capital One accounts in our name and its electronic bill-pay application. With the new application, Capital One debits my account on day N but reserves the right to delay transfer of those funds until day XXXX. Some families transfer more while some transfer less than {$4000.00}. Using {$3000.00} as an average, the math says that {$3000.00} x XXXX customers of Capital One places {$1.00} XXXX dollars somewhere, but not in your customers account and not in the vendors account. Where is that money for those seven days, what is it earning, and in whos account are those earnings deposited? ( These numbers are fictitious and intended to indicate scale. ) Recall that with paper checks, my account is debited when, and only when, my creditor cashes a paper check sent to him/her. Ironically, technology imposes up to a seven-day latency during which the funds are neither in my account ( earning interest, however modest, to which I am entitled ) nor in the account of my creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I reviewed my Consumer Reports and noticed that there was an inaccurate account ( XXXX ) on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Consumer Reporting Agencies have assumed a XXXX XXXX and have XXXX responsibility to report Consumer information to the best of their ability with maximum accuracy. I contacted " THE COMPANIES " and asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me. This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof.

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 2023-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I reviewed my Consumer Reports and noticed that there was an inaccurate account ( XXXX ) on my credit report XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Consumer Reporting Agencies have assumed a XXXX XXXX and have XXXX responsibility to report Consumer information to the best of their ability with maximum accuracy. I contacted " THE COMPANIES " and asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me. This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31 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: EQUIFAX, INC.
State: TN

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.

has violated my rights. Or list of inquiries 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 response to consumer: Closed with explanation
Consumer complaint received 2023-08-31 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: TN

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.

has violated my rights. Or list of inquiries 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 explanation