vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM

Complaint narrative:
On XX/XX/2023 I went into Bank of America XXXX XXXX XXXX XXXX XXXX XXXX NM XXXX with my daughter to withdraw money to purchase an automobile. The teller ID on my receipt is XXXX. My checking account had over {$21000.00} in it and my savings account has about {$54000.00} in it. I asked the teller if I could borrow the money from my Bank of America credit card and he checked the limit of my credit card and said yes. I then took the {$4900.00} from my credit card. On XXXX/XXXX/XXXX  I signed into my Bank of America, and I observed I was charged a cash advance fee of {$240.00}. I immediately called the bank and spoke with XXXX. I explained that I was not told that I was going to be charged a fee and there was not charge on my receipt they gave me. I explained that if I would have known I was going to be charged a fee I would have taken it from my checking account. He opened a ticket and advised I would hear back from the bank. On XX/XX/2023 I received an email from the bank declining the dispute. I called the bank back on XX/XX/2023 and spoke with XXXX. I explained the situation and after a brief hold he came back on the phone and said he talked with his manager, and he/she advised if I pay the amount today that the {$240.00} cash advance fee would be credited. I immediately went into my account and paid the balance on that credit card {$5100.00}. ( See attachment ). On XX/XX/2023 I went to my bank account and saw the payment had been posted to the account, so I called back as instructed by XXXX. I called XXXX at XXXX XXXX XXXX and spoke with XXXX she advised that she could not authorize a refund for the cash advance fee. I asked to speak with her supervisor, and she transferred me to XXXX. XXXX is her supervisor, she advised that the fee would not be credited. I asked to speak with her supervisor, and she transferred me to her manager spelled XXXX XXXX pronounced XXXX XXXX. I explained that I was told if I paid the amount that day that the fee would be credited. I asked XXXX to please go back and look at the notes from XXXX. He replied, it didn't matter what the notes stated the fee would not be credited. I find this situation incomprehensible, and unethical.

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 2023-06-16 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: NY

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.

The letters are stated with items and issues.

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 2023-06-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CL Holdings LLC
State: NJ

Complaint narrative:
I got a phone on payment plan and returned the phone. I closed the account. but this still shows up on my report. I didn't know of this amount owed until I saw it on my report and in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I have applied multiple times for a credit line increase with one of my credit card companies, XXXX XXXX. Each time I have been given the denial reason as being that there is a presence of a missed payment on an account, credit card, or revolving account. It also states that they made the decision based on information from Equifax. I checked my Equifax credit report and I show no delinquent accounts. All of my active revolving accounts are in good standing and I have no accounts in collections on Equifax. I need this to be investigated because there is no reason I shouldnt be eligible for the credit increase based on the incorrect reasons given.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.

Complaint narrative:
I am in the XXXX and I set up cash app for donations to pay pay lawyer fees, our limit in the XXXX is a lot less than XXXX we only have a cashap limit of XXXX which wasnt enough so I set up 4 accounts in total. I have money on each account and cashap has closed all 4 accounts and are holding my money which is causing great stress as we need to pay the lawyer asap. They are refusing to help me and wont speak to me because Im in the XXXX. Iv called them many times, emailed and messaged them countless times on the app support but they refuse to tell me why my accounts are closed and when they will release my money. Its now been 3 weeks and they will not tell me anything. I contacted the XXXX who tried to help but they told them the case is now closed and I have to speak to XXXX staff. There is no XXXX staff we do t have cash app offices in the XXXX. I feel they are trying to keep my money and will not talk to me because Im in the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
So I pulled my credit report XX/XX/2023. Upon reviewing my consumer report I noticed a huge amount of inaccuracies on my report. I reached out to Experian XX/XX/2023. I reached out to XXXX XXXX on XX/XX/2023. I reached out to XXXX on XX/XX/2023. I sent them all a copy of my report with the highlighted inaccuracies and all three bureaus sent me a letter back saying that the accounts were verified or updated, but they did not correct or delete the inaccuracies which is causing me severe hardship, .mental anguish, and XXXX! I also informed them that they are breaking the law!!! According to FCRA { 15 U.S.C. 1681 }. I am demanding that this information be removed immediately! Pursuant to U.S.C. 1681 ( A ) ( B ) They did not meet the needs of commerce because this is not fair and equitable to me regarding confidentiality, accuracy or relevancy. The information is not accurate! This information is not accurate. If these transactions even took place, they should have been confidential so you in fact violated my right to privacy. You are in violation of Pursuant to U. S. C. 1681 ( D ) ( 2 ) ( a ) if this was a factual transaction, ( which you should not know because you were not there ) then this should not even be reported because the FCRA states that transactions placed solely between the consumer ( me ) and the person making the report and IT SHOULD BE EXCLUDED FROM MY CONSUMER REPORT. Pursuant to U. S. C. 1681 ( B ) Did I give permissible purposes?? A credit report should only be filled with written instruction from ( the consumer to with whom it relates ). They are all violating my rights by reporting these false transactions. Since these inaccurate items have not been removed I am filing this complaint and my next step is going to congress. They sent me a letter that said verified but they furnished no contracts with my ( the consumer ) signatures! I have attached a letter with highlighted inaccuracies! I have also attached a copy of my dl, ssc and proof of address along with there responses 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 2023-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CrossCountry Mortgage LLC
State: FL

Complaint narrative:
I looked at my credit report and saw the following inquires from the following companies that i did not authorize. 
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 XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
XX/XX/XXXX : I received three phone calls from family members and old boyfriend stating that a company was calling to deliver a message to XXXX XXXX ( my maiden name ). After the last call I then received a call from XXXX XXXX stating they were calling me to give me a phone phone number I needed to call immediately XXXX. I called the number and was informed that I was going to be served and sued for a XXXX debt of XXXX  dollars. I explained that this debt was one I was unfamiliar with and was XXXX XXXX XXXX. I explained that I was currently under bankruptcy and said debt was never sent to my home or via email. She told me there was nothing else I could do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
I received an umprompted call from a caller claiming to be from Synchrony Bank. I had recently opened a savings account with Synchrony Bank. They asked for personal information including answers to my security questions. Because I had not reached out to Synchrony Bank and had no reason to believe the caller was actually from Synchrony Bank, I declined to provide security information to the caller on the phone. 

After I declined, I logged into my account for Synchrony Bank and saw that my account was restricted. This was around XXXX XXXX XXXX. I reached out to Synchrony Bank and they assured me this issue would go away within 2-3 days. I have logged in periodically to check to see if my account restriction is removed and reached out to Synchrony Bank customer service twice and have been told that there is now a second review and they can't give me a timeline as to when they will remove the restriction. 

I have never experienced this from any financial institution. Synchrony Bank should not be calling consumers unsolicited and asking for private security information, and then locking their accounts indefinitely when they don't want to give information out to strangers over the phone. I informed Synchrony Bank that I'm an XXXX  and will be closing my account with them as soon as I can finally get access to my funds. I want my funds unrestricted so I can withdraw my money and close my account. Thank you. 

XXXX XXXX, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: AL

Complaint narrative:
I'm not sure if this is the lender 's fault or XXXX XXXX, but between XXXX XX/XX/15 Dept. of ED / NelNet account was removed, then My balance increased. This has always been an open account and it's been paused do the pandemic. All I know is it caused me XXXX points on my credit report. I want my score fixed, I've been working too hard to rebuild my credit and all of sudden someone made a mistake and caused me XXXX. That's not fair nor right, there should have never been an adjustment made. Should have never touched the account. Also I've tried calling NelNet and it keeps ringing. I can't get ahold of no one.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT. I HAD NO KNOWLEDGE OF THESE ACCOUNTS. THESE ACCOUNTS LISTED BELOW WERE OPENED FRAUDELENTLY. 

XXXX XXXX XXXX # XXXX Balance {$500.00}. 
XXXX XXXX XXXX XXXX # XXXX. 
XXXX XXXX # XXXX Balance {$2100.00}. 
XXXX XXXX # XXXX Balance {$24000.00}. 
XXXX XXXX # XXXX Balance {$84.00}. 
XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX. {$2500.00}. 
XXXX XXXX XXXX. Balance {$3300.00}. 

ATTACHED TO THE COMPLAINT IS MY IDENTITY THEFT 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 2023-06-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
UPDATE TO CLAIM # XXXX CAPITAL ONE has been instructed to cease all reporting of my NON-PUBLIC INFORMATION to its NONAFFILIATED THIRD PARTYS THE XXXX. CAPITAL ONE has responded with they have the right to do so because of an alleged proper agreement. In this agreement CAPITAL ONE FAILED TO GIVE ME EXPLAINATION AND GIVE ME THE OPPORTUNITY TO EXERICSE MY RIGHT TO DIRECT THE MANNER OF MY NONPUBLIC INFORMATION BEING REPORTED UNDER 15 USC 6802b ( B ) ( C ). CAPITAL ONE IS IN FACT A FINANCIAL INSTITUTION BY DEFINITION THERE FOR IS OBLIGATED TO MAINTAIN PROPER PROCEDURES TO PROTECT ME AND MY NONPUBLIC INFORMATION UNDER 15 USC 6801 WHICH THEY HAVE NOT. I AM EXERCISING MY RIGHT TO SIMPLY DIRECT THE MANNER IN WHICH MY NONPUBLIC INFORMATION IS BEING REPORTED IN THE FORM OF SAID ACTION BEING CEASED. CAPITAL ONE REFUSES TO DO BECAUSE THEY ALLEGEDLY HAVE THE RIGHT UNDER AN AGREEMENT TO WHICH FAILED TO PROVIDE PROPER DISCLOSURES THERE FOR BEING NONINFORCEABLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-16 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
SP Servicing mismanaged my escrow account and it is {XXXX} short. SP Servicing wants {XXXX to right the escrow account. They want a 24 month cushion for the 12 month taxes and insurance, I told them I do not want a 24 month cushion and they said no. My mortgage payment has gone from {XXXX} to {XXXX}, almost double. I am XXXX XXXX XXXX and this creates a hardship. The impound ( escrow ) account does not need an extra YEAR of impounds and I do not think this is legal. To my knowledge, no one else has a 24 month impound. I thought my sXXXX XXXX XXXX was going to have a XXXX thinking about his impound doubling. My principal and interest payment to the bank is UNDER {XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
In XX/XX/2022, I purchased an airline ticket for my trip to XXXX, using a credit card. When I was about to use the return ticket to come back to USA, I found out that my father was diagnosed with XXXX  XXXX. So I stayed back and missed my return flight. I had to buy another ticket for a week later. it has been advertised and promoted as credit card key selling feature is that it covers unexpected delay related sickness of the primary cardholder or family member. After coming back while reading through card benefits page I realized i can claim reimbursement for the ticket as it fits all the conditions stated on the benefit page. I submitted my claims to their claims department in XXXX of 2022. I have uploaded all the documents and records that they have requested. I have called them several times, waited for hours to talk to claims officers, send them several messages through their claims portal but despite all that, it is still showing Pending status for almost 9 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX ] Account Number : [ XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT WANTED REMOVED. WHOLE ACCOUNT REMOVED ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN/CLOSED ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ XXXX XXXX XXXX ]

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: VA

Complaint narrative:
In XXXX, I returned a phone to XXXX XXXX XXXX. Tracking information showed it was delivered, customer service agents and employees at the receiving center confirmed the phone was returned, but XXXX XXXX XXXX claimed they never received it and sold the debt to a collection agency in XXXX. 

I promptly disputed this debt with XXXX, and quickly won the dispute, because I provided evidence showing XXXX XXXX XXXX had in fact received the phone ( tracking information, a copy of the return label, transcripts with XXXX XXXX XXXX reps admitting the phone was received ). The collection was immediately deleted. The collection agency was XXXX XXXX XXXX of XXXXXXXX XXXX 

Fast forward XXXX years to XXXX, the debt AGAIN is showing up on my credit report, this time with CREDENCE RESOURCE MANAGEMENT of XXXX, XXXX The debt amount is XXXX dollar less than last time ( {XXXX XXXX XXXX ), and is heavily weighing down my credit score. I will be pursuing legal action if it's not removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
XXXXMade a XXXX  online ck deposit to Citizens Bank with a personal check from my XXXX XXXX XXXX XXXX XXXX -message read it could take 24 hours for funds to be available. XXXX-I checked my Credit Union and saw funds had already been taken from my account, I checked fund availability at Citizens Bank & saw 2 amounts on hold XXXX XXXX XXXX  with an " available '' balance of XXXX XX/XX/XXXX, I check fund availability again at Citizens Bank, as it would now be 48 hours since I made the deposit & still those 2 amounts remain on hold with the same available balance which was more than enough to clear the XXXX transaction. I called Citizens Bank C/S-was told it was the XXXX XXXX who placed a hold until XX/XX/XXXX and couldn't advise why the {$16.00} transaction was on hold. Checked with the XXXX XXXX who advised they had released ALL funds XX/XX/XXXX. 
I then went to the XXXX XXXX XXXX XXXX called the " back office '' as neither she nor her manage saw a reason for the hold of the check or the smaller amount being on hold. The back office stated it was fraud prevention and they couldn't do anything about it. I see it as the bank making money with my money while placing me in financial strain as now I can't pay my mortgage on time and icing on the cake... will have to pay a $ XXXX late fee. I withdrew my available balance and am planning on closing the account as soon as they decide to release my funds. Are they racially profiling bank accounts now too based on non-American names? Are Latinos/minorities not allowed to handle over certain amount of money in order to not be flagged as fraud? I deposited MY personal check from one banking institution to another so why was it flagged as fraud? Why did they 1st place the blame on the XXXX XXXX and why are they holding a less than XXXX} transaction when {XXXX are available? I ended up withdrawing the XXXX and preparing to close it out once my check/monies are no longer held XXXX.

Company response to consumer: Closed with explanation