vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I received notice through my credit report that my Care Credit card was closed effective XXXX XXXX. I receive no notice, the company claimed to have sent an email, but I show no record. I just had XXXX on XX/XX/XXXX and planned to use this card to pay for medical bills. When I called Synchrony/Care Credit on XX/XX/XXXX they stated the account was closed due to in activity. I asked if they provide advance notice, because if they did they would learn the card was planned for use, they confirmed they do not provide advanced notice, they just close the account. Not only does this impact my credit score without warning, I am now without a payment method for my medical bills. I offered to even provide documentation of my medical event for proof. I asked for them to resend the notice of account being closed they said they are unable to send the email, but will send it via US mail within 20 days. The manager stated I should have the message in my online account messages, which I checked while on the phone with her and explained the message was not there, it just states account closed. They stated they are unable to reopen my account or line of credit, and I would have to apply for another credit card with the company. I asked for any type of documentation ( email, letter, even phone recording ) of the call confirming my complaint and their response, and I was declined of that request.

My account was used within the last year, and my last payment which paid the balance of the card was processed on XX/XX/XXXX. So my account was only 10 months of no activity. 

While I understand reviewing accounts and need for closure at times, I dont understand how this can be legal doing so WITHOUT prior notice or account reviews with the customer. Not only does this impact credit scores, but leaves people in situations like mine, where now I can not pay a medical bill, and the company is not held responsible in any fashion. So how do I pay for my medical bills now that I no longer have this payment method as planned? 

I have provided screenshots of my account with this complaint. The account will not even show my activity because it is closed. I have also provided a screen shot of my message account as proof I never received notice of the account being closed.

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 2023-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
My bank Fifth Third, cashed a check for {$1400.00} on XX/XX/2023 that was made out to my mortgage Company XXXX  XXXX XXXX XXXX. to an individual via a mobile deposit as indicated on the electronic copy of the check. I notified the bank and filed a Fraud Report with evidence from past mortgage payments to XXXX  XXXX XXXX that it was NOT XXXX  who cashed the check but an individual person. They are refusing to reimburse me for the {$1400.00} when they are the ones who took funds from my checking account and gave that money to a person who was not the recepient as clearly indicated on the check. They claim that they have to " conduct an investigation '' and it could take up to 180 days before they make a decision. In addition, because a random person has my checking information, I had to open a new account which will have severe impact on my ability to pay bills because they will not release my direct deposit to my account until they " verify '' that it is legit because it is a " new '' checking account even though I have been a customer of theirs for nearly 20 years. 

I also pay them for a service that is supposed to monitor my financial accounts for fraud and notify me immediately if something is wrong. I was never notified of this, and in fact they did not even catch this. It was XXXX that brough it to my attention when they called me to collect my past due mortgage payment that per my bank statements indicated that I had paid. 

I have attached a copy of the Fraud Report that I filed with Fifth Third as well as a copy of the check that they cashed to the unintended recepient.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Alorica Inc.
State: AZ

Complaint narrative:
Had a XXXX XXXX XXXX savings loan with XXXX, everything was going great until they sold and transferred all accounts to SST. SST from the start didn't seem like they had their operations together, so I decided to payoff the remainder of my account. After paying off my account I unlocked the savings I had with XXXXSST which was around {$2200.00}. The day I paid off my account ( XX/XX/XXXX ) I was told it would take around 7-10 days to receive my savings money if I chose to receive it via direct deposit. I called again on XX/XX/XXXX because I hadn't received any money into my bank account, the customer service agent told my that I would have my money on XX/XX/XXXX, which is truly ridiculous. I fail to believe that in XXXX any company to process requests in a timely manner. Today is XX/XX/XXXX, I called and asked where my savings money was and the customer service agent told me that " my account was successfully closed on XX/XX/XXXX and that it would take 10 days from that date to receive my money. Extremely ridiculous, and it seems like they are withholding my money at this point. I have paid off any obligations to XXXXSST on XX/XX/XXXX and we are now almost a month later I have not received only I was told would take 10 days at most. Deceivers and liars.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 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: NV

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. 
Account name : XXXX XXXXXXXX Account # : XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Theres a lot of inconsistencies on my report and is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NV

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. 
Account name : XXXX XXXX Account # : XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Theres a lot of inconsistencies on my report and 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 2023-01-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: PA

Complaint narrative:
NTL RECOVERY AGENCY  ( collector ) XXXX XXXX ( originator ) {$1300.00} ( amount ) Opened 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 2023-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NH

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number _______________________________________ In accordance with the Fair Credit Reporting act XXXX  XXXX, Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions _______________________________________ In accordance with the Fair Credit Reporting act XXXX XXXX, Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2023-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I have submitted the complaint in the mail with supporting documents through USPS tracking # XXXX XXXX XXXX XXXX XXXX XXXX and i want to submit online to get the status.

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 2023-01-25 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RS Clark and Associates, Inc.
State: TX

Complaint narrative:
I terminated my lease early at previous apartment complex named XXXX XXXX XXXX XXXXXXXX in XXXX of 2022. Upon move out I was informed on the walk through when turning in keys that 2 of the bedrooms carpet would need to be replaced due to pet damage. I informed XXXX that I had paid the {$400.00} pet deposit and {$500.00} deposit when moving in so if thats the case then it should be taken out of the deposit that was already paid. She then stated the {$400.00} deposit for the pet was NOT a non refundable deposit but instead was a pet fee and would not be applied to anything and that the fee is paid to just have the animal in the dwelling. So on top of paying the per fee I also paid a monthly pet rent for the animal. I find this a ridiculous abuse of charges and a way of nickel and diming tenants for nonsensical charges. So after receiving an email stating that ok the charges for 2 bedrooms to have the carpet replaced supposedly that charge is {$920.00}. Then after deposits paid the balance I owe is now {$660.00}. So after going back through my lease and charges I realized when this company took over after start of new lease they increase the charge for my garage from {$160.00} per month to {$200.00} per month with no advance notice. I emailed the company back and informed them I have no intentions of paying {$600.00} but will pay the balance of what is owed after difference of garage fee overcharges are offset in the balance. I will NOT be bullied into paying for unreasonable charges. They then sent my account to collections and suddenly the charges are now at XXXX. Never received anything via email no response no phone call nothing in the US mail. I specifically asked the representative XXXX to reach out to me and to NOT send me to collections. I tried to file a complaint on XXXX  for XXXX XXXX but was informed that supposedly the business is closed which is the management company for the avenues at XXXX. The business is NOT in fact closed and are now trying to extort fees out of me. I need a resolution for this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: VA

Complaint narrative:
I paid off my XXXX XXXX XXXX on XX/XX/XXXX in the amount of XXXX. I then ran into on issue with my odometer statement. XXXX stated that I had not filled out the statement correctly. I then called back everyday from XX/XX/XXXX- XX/XX/XXXX to ensure they received the correct statement and it was filed correctly ( even after receiving email and verbal confirmation that it was done correctly ). On XX/XX/XXXX I spoke to a woman at Hyundai who stated my title had been submitted for release and to not call back for 5 business days. I waited 5 business days before contacting again. On XX/XX/XXXX I was then informed that my title had been missing since XX/XX/XXXX, almost a year before Hyundai allowed me to pay off my car. Hyundai finance told me that dealership I originally purchased my car from, or the DMV, had not filed paperwork correctly to send my title to Hyundai finance. I then called both the car dealership and the DMV. The dealership informed me that they sent the paperwork on the day I leased the car. The DMV then told me that they sent Hyundai the title on XX/XX/XXXX. Hyundai is now saying that they have done their due diligence to get the car title - even though the last attempt they made to receive my title was on XX/XX/XXXX. They are now saying that they can not send me any title and I need to wait 3-5 business days to even hear from someone at Hyundai. It has been almost 20 days since Hyundai has taken money for my car with little to know work being done to obtain my title.

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 2023-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Fidelity National Information Services, Inc. (FNIS)
State: MI

Complaint narrative:
The company ChexSystems XXXX and XXXX 's I file a request to opt-out and add a Security Freeze and they wont do as I ask

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 2023-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: MI

Complaint narrative:
The company XXXX XXXX and Innov 's I file a request to opt-out and add a Security Freeze and they wont do as I ask

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
My account was closed with no warning nor explanation

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 2023-01-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/XXXX I purchased a dishwasher at XXXX XXXX store and applied for finance. I received the credit card and purchased the dishwasher, and paid nearly {$200.00} extra for delivery and installation. 

The company has botched everything from day XXXX of this. When the delivery guys came they told me they couldnt install it, left it on the outside back porch, and said a plumber would call to schedule installation. The plumber strung me along for XXXX  days, saying they could come to install outside of my work hours, cause I cant take work off for this. XXXX  days later they called to tell me the hours a plumber could come and install which was during my work hours, I told them it was unacceptable and decided to return it since XXXX XXXX lied to me and the plumbing service XXXX XXXX lied to me on several occasions on their abilities to install a dishwasher either on a weekend, or after XXXX XXXX  on weekends. 

Yesterday I initiated the return process, and am scheduled another week out on XXXX. I have told them countless times I wont be home till XXXX. And last time they delivered it an hour and a half before the window given the night before. 

I was told by their XXXX number that the refund and credit card account closure cant happen till they pick up this item Considering this whole fiasco has taken nearly a month and wasted so much of my time, I DO NOT trust them to get this picked up, and refunded, and completely closed before the due date of the bill, affecting my credit score.

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 2023-01-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I applied for the XXXX  XXXX card with Bank of America. I was denied even though I have very excellent credit and a very low credit utilization. 

I've had a working relationship with Bank of America since 2015. I can provide pay statements and asset history as I make well over $ XXXX a year. I hardly have that many inquiries on my credit report and I really wanted to use this card as I'm traveling more for work now.

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 2023-01-25 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
My old account was closed last month when I told back in XX/XX/2022 it would be closed then due to fraudulent activity from someone in California hacking in/making as if they were a loan company. Account should have been closed in XXXX when the agent told me it would be and when she opened me a new checking account with the bank. Fast forward to today I wake up to {$540.00} hold on my current account. Basically Im told even though someone took money from my account Im still accountable for paying balance owed

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 2023-01-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Jon Barry and Associates, Inc.
State: VA

Complaint narrative:
I have contacted DBA Paragon Revenue Group as well as XXXX XXXX on XXXX as well as XXXX to make a settlement due to accounts being listed on my credit report. When I made contact they each told me that they did not see records of these accounts. The amount for one account was {$100.00} and the other was {$140.00}. I am concerned that these are on my credit report inaccurately and that this is a bait and switch situation. 

thank you

Company response to consumer: Closed with explanation