vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
On XX/XX/XXXX I received an email telling me that an additional payment I had attempted to make was returned by my bank. On the XXXX of XXXX, I received an email telling me that my account had been closed. When I looked in my Amazon store card account it showed me that my automatic payment had gone through, but the additional payment had been rejected. 

After reaching out to Synchrony, the bank that controls the Amazon store cards they informed me that after the rejected additional payment they closed my account after a single email. 

Synchrony confirmed that the account has never been delinquent and was never behind on payment, however, due to two bad additional payments above my monthly payment in the last 6 months they have closed the account. 

Synchrony made no effort in either of their communications to inform me that ANY NSF payments for any reason could be grounds for terminating an account.

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 2023-07-04 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I am having an ongoing issue with them. For example on XXXX I was charged a fee of XXXX dollars for supposedly having insufficient funds but I transferred the money from my savings to my checking account. This has been an on going issue for years and every time I call them to get answers they always say that the money was not transferred and that the app is different form coming in and making the transfer. Wells Fargo has an extra day grace period and they are still claiming that my money was not transferred in time. XXXX XXXX owes me over XXXX in lates fees because this has been going on for years.

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 2023-07-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
This company has charged off the original balance of the vehicle of {$27000.00} but yet reporting a past due balance of {$4100.00}. Every month this company is reporting a balance to my credit report of {$4100.00} to a charged off account. I would like the also like the original contract that I signed with this company that is reporting to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04 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: TX

Complaint narrative:
I have submitted disputes on fraudulent accounts. I have also contacted the companies to receive documentation that I have signed or authorized the accounts. The companies has not provided such documentation, yet fraudulent accounts has not been removed from my credit report, which is greatly affecting my life. I have followed all steps by submitting my correct identification to identify myself and have fraud alerts on all bureaus. I would like the fraudulent accounts removed as they do not belong to me. For the XXXX XXXX XXXX auto loan it is a duplicate. One shows paid in full and the other shows derogatory with the same account number. The derogatory account needs to be removed. XXXX and XXXX has removed all fraudulent accounts, but Transunion has not removed the accounts. Please see accounts below : XXXX XXXX XXXX auto loan XXXX XXXX I will also provide proof that the accounts were removed from the other bureaus except Transunion

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 2023-07-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: BOEING EMPLOYEES' CREDIT UNION
State: OR

Complaint narrative:
Related to COMPLAINT ID # XXXX. 

Per the last response from Being CU, completely misleading to me and CFPB with their response that their were working on the issue, so much so that they filed in court for full recovery of the loan and fees, very corrupt and misleading from their part. 

The court filling states that the car is to be delivered, it has been in their possession for over 1 month now, as it was repossessed from Boeing CU, and completely avoiding my calls. 

XXXX XXXX. XXXX XXXX XX/XX/XXXX and delivered on XX/XX/XXXX. And was given 30 days to respond, took them 21 to deliver it, not very ethical practice from Being CU and XXXX XXXX XXXX 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 2023-07-04 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: DISCOVER BANK
State: VI

Complaint narrative:
In Mid XX/XX/2023, I have set up a personal loan with Discover Personal Loan Recovery Team. I made a payment before XX/XX/2023 and on XX/XX/2023. The account supposed to be settle in full. I spoke to XXXX XXXX XXXX in the Recovery department stating be Paid in Full on credit reporting agencies. Also, I never received a copy of the account being satisfied for the settlement agreement. I would like a copy of the account being settle in full on company letterhead. The agreement should stated the account won't be sell to another debt buyer. 


Also, I received email stating my address isn't correct. Which is correct. The address is part of the XXXX XXXX XXXX program. My address is confidential per the law. Failure to honor that will result in legal liabilities for Discover Personal Loan if its made public. You can send my documents by email per our agreement when the settlement was established. XXXX or XXXX promise it be email and it hasn't.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04 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: KY

Complaint narrative:
I recently discovered that one of my creditors has re-added a previously deleted item to my credit report, which is a violation of the Fair Credit Reporting Act ( FCRA ). This has caused significant damage to my credit score and financial situation. Despite disputing the re-added item, the creditor has failed to remove it from my credit report. As a consumer, I am now considering filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) to protect my rights and seek resolution to this issue.

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 2023-07-04 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: KY

Complaint narrative:
I recently discovered that one of my creditors has re-added a previously deleted item to my credit report, which is a violation of the Fair Credit Reporting Act ( FCRA ). This has caused significant damage to my credit score and financial situation. Despite disputing the re-added item, the creditor has failed to remove it from my credit report. As a consumer, I am now considering filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) to protect my rights and seek resolution to this issue.

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 2023-07-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
[ 15 U.S.C. 1681 ] ( 1 ) The banking system depends on fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine public confidence which is essential to the continued functioning of the banking system on these days my credit was fraudulently used. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-05 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: EQUIFAX, INC.
State: AL

Complaint narrative:
[ 15 U.S.C. 1681 ] ( 1 ) The banking system depends on fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine public confidence which is essential to the continued functioning of the banking system on these days my credit was fraudulently used. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIZENS FINANCIAL GROUP, INC.
State: GA

Complaint narrative:
Tried opening an account with truist bank was denied because of a report from citizens bank saying account abuse my card was stolen with my id social and account pin inside and my account was over drawn without my knowledge

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TX

Complaint narrative:
I got XXXX dollars of gas this morning. XXXX  put a {$40.00} hold on my account. They have done this before. I asked them to release it ; they have released it before. Today they told me the previous releases were a courtesy ( never told that previously ) and they would not release the fees today. They told me the fees would release on the XXXX, five days from now. I am a XXXX  and I can not afford to loan a large company {$30.00} for five days. I only got 3 gallons of gas because I have a bill that I need to pay today and I needed that money to pay the bill. I am confident that this practice is unnecessary. Why? Because I have used this prepaid card before at times when I only had {$5.00} to {$10.00} on this card. At those times, at the same gas station, the pump has stopped working when I get to the exact XXXX balance of this XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04 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: GA

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. 

XXXX XXXX : # XXXX 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 2023-07-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the XXXX 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 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 2023-07-04 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the XXXX 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 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 2023-07-04 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: CA

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the XXXX 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 2023-07-04 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the XXXX 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 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 2023-07-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: MO

Complaint narrative:
I accidentally went out of my savings and checking account for chime. I pressed select help to call the company. The guy sent me personal texts with a link to access my phone through a quick support app where he was having put in other numbers for other accounts I have with XXXX XXXX XXXX XXXX and asked for numbers on other cards that my have credit on them. He accessed personal account info which I saw him get into through the app on my actual phone. He wanted specific days and times I get deposits. He keeps sending me personal messages to call him back to help me get into my chime account which I'm already into and he told me not to change my passwords or anything until I speak to him

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04 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: NY

Complaint narrative:
Unfortunately i was hit by XXXX, i wanted to ask for my only XXXX late payment this hit my account. I was never late.

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 2023-07-04 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSWORLD SYSTEMS INC
State: TN

Complaint narrative:
On XX/XX/2023, I was called by a person who identified herself with a debt collection company. I told her I would not talk over the phone and to mail me anything they thought necessary. I never received anything in the mail. They continued to call, and on XX/XX/2023, I sent them a letter to their XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, CA address. I found this address after searching for a reverse phone number and tracking the corporate office. I still never received anything in the mail from them. I have continued to be harassed on the phone. However, on XX/XX/XXXX, I was called again from a similar number but identified as TSI. On XX/XX/2023, I was called again by another similar number identified as TSI. Finally, on XX/XX/2023, I was called from a number not identified by my phone calling ID. It was TSI. I talked to XXXX XXXX. I told her that she was illegally harassing me, and I had notified her company I would only do business through the mail. I told her I would file a complaint against her company and her. It was then she just hung up the phone. 

I wish to file three ( 3 ) separate complaints against TSI for harassment. In addition, I will be filing complaints with the Federal Trade Commission and the Tennessee Attorney General 's Office.

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 2023-07-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: MN

Complaint narrative:
I have contacted Aidvantage on several occasions about my student loans that are over XXXX XXXX XXXX, by phone and email. I've researched about loans being forgiven after XXXX and XXXX years and wanted to know more information because my loans should qualify. At first nobody knew what I was talking about, trying to send me information or applications about other programs, saying my job doesn't qualify and so on. I told them it was about age of the loan and IDR. I submitted a complaint to the Department of Education after several phone calls and no answers. XXXX service representative even said wait in line, there are people with older loans, another said I have XXXX years only of payments. My first loans were disbursed in XXXX. Then same with emails after the complaint and someone named XXXX wrote back and forth with me saying she can't grant me that. Sorry you are angry, she said, but loans like mine need a special program to count the payments and that won't be available until the end of XXXX. So no information, answers or dismissal of my old student loans. She finally mentioned my consolidation loan in XXXX, which contains the old loans so she knows exactly what I was talking about the whole time. There is no special program, my loan just needs to be forgiven, in my research they said consolidation was included. So they want to deny forgiveness to make more money apparently and confuse people trying to clear these loans. I want real answers and my loan dismissed as soon as possible because it qualifies. I am not the only borrower with this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04 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: MS

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the XXXX 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