vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I did not receive the appropriate verification of debt as requested multiple times. I requested for the original contract with my signature and company only sent me bank statements on 2 different occasions. Per FRCA, bank statements is not the appropriate documents to validate and verify debt. Since this is a violation due to unable to validate debt, it should be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Original card, invoice, and all communications were being sent to wrong address ( a shipping address on my Amazon account ). Phone number and email address were wildly incorrect. 
Sent payment through bank bill pay service, this has been accepted before but check was returned to bill pay service through XXXX bank. Credit card issuer can not comment, transaction ID bank provided doesnt show in their system. No further info provided from credit card issuer of why they refused payment. 
Payment was of course considered late. SYF lowered credit amount, both actions reported to credit reporting agencies. Called to discuss, supposedly removed late fee and corrected problem. 
Late fee was still there and now another for XXXX. 
Sent payment directly on the issuers website since bill pay paper check was refused, creditor decided to remove all available credit, report to agencies and account is flagged while they verify the payment to decide it is not fraudulent. 
There is no prior history of returned checks ( unpaid ) or other payment problems not created by the card issuer. 
My credit report has been negatively affected by this random and uncalled for payment verification process. They claim there is no escalation, no process to dispute, no reason in their records specific to my situation but a long paragraph of reasons it could happen. 
This seems to be in violation of my rights and it is definitely affecting me in a negative manner. 
The payment they sent back uncashed was for {$120.00}. The payment made on their website was for the total amount due approximately {$200.00} leaving a XXXX balance. I had {$16.00} rewards available and the credit limit was originally {$400.00}. Each month I paid all or most of the total amount due not carrying a balance.

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 2023-07-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: CA

Complaint narrative:
The company stated that it has actively ceased seeking payment but is still showing on my XXXX but has removed themselves from my XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: REGIONS FINANCIAL CORPORATION
State: OR

Complaint narrative:
I XXXX XXXX XXXX XXXX XXXX They use a prepaid debit card through Comdata XXXX The Fee schedule included with the card under the 'Get money ' heading states that a bank teller withdrawal with the mastercard network is a {$0.00} no fee transaction. 
My bank XXXX XXXX XXXX attempted this for the amount on my card of {$350.00} and was declined. 
I contacted Comdata customer service on XX/XX/2023 and spoke with a representative. They told me that XXXX chose to not allow that function. A withdrawal at an 'XXXX  XXXX network ATM would be the lowest fee transaction. 
I asked for a supervisor to clarify this for me. 
The second person I spoke with also claimed that XXXX has denied that transaction option and there is no way to withdraw my money without a fee. 
I asked for another supervisor or their legal department to clarify this statement. 
Then I was put on hold for 30 minutes, at which point I chose to disconnect.

1. This means I can not get my money without a fee.

2. The fee schedule with my card ( And any other users with the same card ) is false. 

I then contacted XXXX XXXX XXXX XXXX XXXX as the 'existing " XXXX  option did not allow me to contact a representative. 
The rep was nice, and told me that information is available from the card issuer. 
I explained what the card issuer told me, and he offered to submit a case with the corporate office for XXXX. 
As of this writing I have not received any more communication from 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 monetary relief
Consumer complaint received 2023-07-17 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: NY

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. These accounts should not be furnished on my consumer report as they are in VIOLATION!!! In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S.Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

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 2023-07-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: PNC Bank N.A.
State: MD

Complaint narrative:
I had a credit score of XXXX when I applied for a mortgage with another company earlier this year. My credit score dropped significantly when PNC lowered my credit card limit without informing me. I did not know my credit card limit was lowered thousands of dollars until I tried to make a purchase and got declined. I made a phone call to PNC. The PNC rep advised that my limit was lowered due to a drop in my credit score, although my credit score has fluctuated throughout my time having the credit card with PNC and this has never happened. I told the rep I applied for a mortgage and that my score dropped maybe XXXX XXXX. How convenient that after that phone call, I then get a letter in the mail days after stating the changes to my credit card limit. 

PNC advised that my credit card limit was lowered on XX/XX/2023 which is in the middle of my billing cycle. I made purchases before XX/XX/2023 but when my credit limit was lowered, these purchases made my balance higher than my limit. This then triggered a report to the credit bureaus and my credit score dropped significantly. When I spoke PNC and the rep made it seem like it was my fault for making purchases. I made purchases when my credit limit was higher and the purchases were approved ( possibly pending ) because the credit was there at the time.

Seeing my credit score drop significantly for no reason of my own, has caused significant anxiety, stress and trauma in my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
On today, Monday, XX/XX/2023, I have had to spend over XXXX hours on the phone with Synchrony Bank employees to get to the truth of why my account is showing that I owe about {$100.00} more than I have record that I owe. 

This has been a continual pattern during the last XXXX years as a customer with Synchrony Bank/PayPal Credit . 

Last week, I made XXXX calls without success with each representative stating something different. 

However, after many hours I was finally told the truth. 

My account had been recharged {$120.00} due to an " internal error '' made by employees within Synchrony Bank. Synchrony Bank rebilled with {$120.00} without any prior notice in any form of communication with me and evidently the employees did not know. 

The facts of this continual deceptive trade practices and gross billing negligence are as follows : Original charge of {$120.00} on XXXX Provisional Credit of {$120.00} on XXXX Reversal of Provisional Credit of {$120.00} on XXXX Provisional Credit reissued of {$120.00} on XXXX Provisional Credit Re8issed of {$120.00} on XXXX Reversal of Provisional Credit/ Rebilling/ of {$120.00} on XXXX No prior notice, nothing listed on the online account. 

I knew that the balance of {$270.00} was not correct on XX/XX/2023. No plausible explanation given.

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 2023-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I did not open these accounts and I strongly suspect that they are fraudulent. I am requesting that you investigate and take necessary action to remove them from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I kindly request that you update my credit report and remove the public record that is currently listed. Attached below are the necessary documents to support this request. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Used Wells Fargo Banking App to transfer/pay a Wells Fargo issued Credit Card-Payment was meant to be {$130.00} dollars but I entered {$1300.00} ( XX/XX/XXXX ) -I immediately tried to correct this ( but the funds re pulled out immediately and there is no undoing it ) I alerted Wells Fargo of the error within in 10 minutes of doing the original transaction. 
On XXXX Wells Fargo took the {$1300.00} credit/incorrect payment off of the credit card and moved {$1200.00} back into my checking account. 
On XXXX @ XXXX EST I called Wells Fargo requesting to know why where was the {$130.00} dollar difference-verified they were not trying to charge me a cash advance fee or any other fee-was advised no it was an error and the claim ( XXXX ) was still open it was noted and the claims department would see this. 
I called today just now and spoke to XXXXshe advised that on XX/XX/XXXX the claim was sent to another department to " find '' the {$130.00} and that this process would take 7-10 more business days. 
This credit card does not and has not had a balance on it, there zero reason it should take this long to get this resolved.

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 2023-07-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
After we got an email that we thought was a scammer/fraud. We reported it to capitol XXXX email as scam/fraud. Mailed a letter right away in XXXX. We have sent at least ten letters stating our position. What we did and why. They closed our credit card account we have had over twenty years. Stating in general generic letters different reasons. One is that we stopped communicating. What the heck. Over ten letters we send the scam/fraud email to address they have listed not to mention the letters. We stated we wont send info over email since it is not secure. We included in several letters info on generic letter stated they needed. So obviously it is sending letters since it is a repeat of our info. However they still wont reinstate our cards. Had no problems treating long time paying on time customers as if we did something wrong. So as you can see we wont trust them on generic letters sent or emails since that is what caused original issue. Now we are questioning our account in full and all charges. Since they are being very secretive and want info over non secure email and phone. So we need entire account checked from the being. Since they seem to be hiding something on an email sent to there fraud department.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX  acct was fraudulently open in my name in XX/XX/2019. This occurred during the time of my identity being compromised. After discovery I contacted creditor to make aware of the fraud. I advised them of the identity theft. They then proceeded to close the card to prevent it from further use. At this time, I contacted the bureaus to have them aware of this. I put fraud alerts, froze my file, also contacted identity monitor along with filing law enforcement report, CFPB as well.I thought I was ok. Years passed, I realize its still reporting to my credit. XXXX XXXX CARD DID NOT CLOSE MY ACCOUNT AS PER DISCUSSION, THEY CLOSED IT OFF AS A CHARGEOFF AS A BAD DEBT AS IF I WAS LIABLE FOR THESE CHARGES. THEY WERE AWARE OF FRAUD, ITS WHY THEY CLOSED CARD POST INITIAL INTERACTION. I AM COMPLAINING TO XXXX XXXX  AND XXXX, EXPERIAN, XXXX BUREAUS SHOULD HAVE REMOVED IT DUE TO FRAUD. SHOULD DELETE, THIS IS FRAUD! XXXX IS FALSELY REPORTING ON MY CREDIT, ILLEGALLY FRAUD!

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 2023-07-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Applied for a rental property which was a verified listing on multiple rental network sites. Received a signed lease agreement and receipts as security deposit, first and last months rent was paid via wire transfer totaling {$4500.00}. The money was sent from my account with Wells Fargo to another account Wells Fargo, and I never received the rental property as it was fraud. Filled a claim for fraud with Wells Fargo who denied my claim and stated the receiving bank ( Wells Fargo ) would not return the funds.

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 2023-07-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

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 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 non-monetary relief
Consumer complaint received 2023-07-17 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: EQUIFAX, INC.
State: CA

Complaint narrative:
All XXXX of the credit monitoring companies have penalized my credit score due to lack of installment loan. I had a car lease and loan with XXXX. I sent a notarized letter from XXXX stating that I paid off my lease and loan with them. All of the credit monitoring companies responded to my recent complaints as follows : information was not reported by XXXX I was straightening out some files today and found old credit reports from XXXX and Equifax that have XXXX reporting my car lease/loan. Please tell me why my credit score is docked when Im reality they always had this information. Why do I not have a perfect score when I break my back to always pay everything off and on time {$0.00} statement balance.??? Sources Equifax XX/XX/XXXX confirm # XXXX XXXX  XXXX and XXXX XX/XX/XXXX report # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17 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: NY

Complaint narrative:
I have been a Bank of America Customer for 15 years and have never been late on a payment to them or any other credit card and always pay my bill in full as soon as I receive it. When I received my statement for XX/XX/XXXX - XX/XX/2023 I paid it immediately by check like usual ( check number XXXX ). When I received the following month 's statement XX/XX/XXXX - XX/XX/XXXX, I noticed I was charged a late fee of {$25.00} and interest of {$6.00}. 
I immediately called customer service and waited 46 minutes to speak to someone who I could tell by the tone of his voice that he was overwhelmed and tried to rush me off the phone as quickly as possible. He told me no check was ever received and there was no way to check or trace if the check was received and it was probably lost and that I needed to contact my bank and put a stop payment on the check. Which I did. I paid the bill with interest and late fees so I could just get on with my life. He also recommended that I set up online banking so I could just pay it directly from my bank account which I will not be doing as I do not trust this bank anymore. I work in finance I am aware of the problems BOA is having with fake accounts and fraudulent interest. 
I just received my statement for XX/XX/XXXX - XX/XX/2023, and they just charged me an additional {$8.00} in residual interest even though my account was paid in full and early. 
I strongly suggest some type of investigation be initiated as it seems they are trying to get unjust fees from elsewhere from their customers. I will now waste at least another hour on the phone trying to resolve this.

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 2023-07-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Despite my persistent efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a significant and detrimental impact on my life, causing immense stress and XXXX. I want to emphasize that I did not authorize any of this information to be associated with my name, as I have been a victim of identity theft.

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 2023-07-17 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Despite my persistent efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a significant and detrimental impact on my life, causing immense stress and XXXX I want to emphasize that I did not authorize any of this information to be associated with my name, as I have been a victim of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am formally requesting the deletion and removal of the following accounts and associated information from my consumer report. The accounts and details listed below should not have been reported in the first place, constituting a clear violation of both the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Therefore, I insist that these accounts and information be promptly deleted and removed from my consumer report to rectify the violation of these laws. Immediate action is necessary to comply with this request. Remove these accounts and information without delay!

Company response to consumer: Closed with non-monetary relief