vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-29 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL

Complaint narrative:
On or about XX/XX/XXXX, Bank of America closed two of my credit card accounts. The first card they closed was opened over 20 years ago and was used and paid in a timely manner. The second card they closed was opened on or about XX/XX/XXXX and was used and paid in a timely manner as well. 

To my knowledge, I did not receive a letter indicating their intent to close these credit card accounts nor the reason for closing these accounts. In XX/XX/XXXX, I called Bank of America to discuss why they closed my accounts. The only information they gave me was that they sent a letter, which I did not receive, and that I had too many open credit card accounts and that my credit score is too low. 

This is unfair because these accounts have been paid at least the minimum amount due monthly by their due date. Most months, I have made extra payments to these cards in order to lower the balance and improve 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 2023-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
WE SENT MONEY ON OR ABOUT XX/XX/2022, {$17000.00} TO TRUIST BANK TO THE ACCOUNT OF MY VENDOR XXXX OF XXXX XXXX, XXXX XXXX WITH THE WIRE TRANSFER INFORMATION PROVIDED BY XXXX ON THEIR OFFICIAL INVOICE. 

APPROXIMATELY XXXX XXXX LATER XXXX ASKED WHY WE DID NOT PAY THE BILL. AFTER EXTENSION INVESTIGATION WE FOUND THAT THE EMAIL SENT FROM XXXX TO VALENTINES HAD BEEN HACKED AND THE WIRE TRANSFER INFORMATION WAS FRAUDLENT. 

WE HAVE SPENT INNUMERABLE CALLS, SECURE MESSAGES, TEXT MESSAGES, EMAIL, PERSONAL VISITS WITH CHASE AND TRUIST BANKS. THE ONLY POSITIVE OUTCOME IS THE MONEY WAS SENT FROM XXXX AND THE MONEY WAS RECEIVED BY TRUIST. TRUIST WILL NOT GIVE ME THE NAME AND CONTACT INFORMATION OF THE ACCOUNT INTO WHICH THE MONEY WAS RECEIVED. 

WE HAVE CONFRONTED XXXX WITH THE ACCUSATION THAT THEIR EMAIL SYSTEM HAD BEEN HACKED AND IT WAS THEIR RESPONSIBILITY FOR SENDING XXXX FRAUDLENT INFORMATION ON THEIR OFFICIAL INVOICE WHICH THEY DENIED AND PUT OUR ACCOUNT AT THIS VALUED VENDOR ON REFUSE TO SERVICE DUE TO PAST DUE ACCOUNT. 

IT APPEARS THAT TRUIST BANK DID NOT VERIFY THE NAME ON THE ACCOUNT WITH THE NAME OF THE WIRE TRANSFER. HOWEVER, IF THE NAME ON THE TRUIST ACCOUNT WAS " XXXX ; XXXX XXXX, XXXX  '', AND MY VENDOR DENIES SETTING UP SUCH AND ACCOUNT, THERE THEN MAY BE FRAUD IN THE ACCOUNT ESTABLISHMENT.

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 2023-01-29 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: OH

Complaint narrative:
My wallet was stolen out of my car awhile back. I immediately reported it to the police once 1found out. I believe 1 could be a victim of identity theft as i had my ID, debit/credit cards, library card, voters ID and a host of other personal items in my wallet and vehicle.

To whom it may concern I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you. Are you familiar with something called 15 U.S.C.Sec. 1681i ( a )? 1 heard that if you can't provide proof, these accounts must be deleted. Well want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation and provide me with verification of these accounts. Please investigate the following accounts and remove them if anything IS missing or not correct on them.

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 2023-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am a natural person. I have rights under 15 USC 1681 Transunion is govern by 15 USC 1681 and they violated my rights. I demand the accounts below be removed immediately According to 15 USC 1681 I have the right to privacy and I did not give Transunion written permission to furnish these accounts. Moreover items were reported fraudulently and inaccurately and in accordance with the Fair Credit Reporting Act all items must be 100 % accurate when reporting and accounts reported are not 100 % therefore I demand for All XXXX accounts get deleted immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX also called XXXX XXXX to remove all reported items Transunion Account number XXXX XXXX Account number XXXX XXXX Account number XXXX XXXXXXXX XXXX Account number XXXX I dont have any installment loan with XXXX XXXX XXXX XXXX XXXXXXXX and I never signed or authorized any installment loan with XXXX XXXX XXXX XXXX  XXXX XXXX I never written any checks from XXXX XXXXXXXX XXXX XXXX XXXX The furnisher XXXX ( XXXX XXXX ) responded to prior CFPB report case number XXXX that the reporting was not made by them ; therefore, I can conclude the reporting is done fraudulently ( page XXXX of XXXX ) I gave XXXX a copy of the CFPB and they ignored my request to delete account I gave XXXX a copy of my FTC filing stating that the XXXX accounts requested to be deleted are fraudulent. FTC report XXXX regarding identification theft Moreover all XXXX accounts are inaccurate on all XXXX credit files and 15 usc 1681 states credit files have to be 100 % accurate XXXX stated they did an investigation however all XXXX credit files are still inaccurate I want all XXXX accounts deleted 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 non-monetary relief
Consumer complaint received 2023-01-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CREDIT ACCEPTANCE CORPORATION
State: NC

Complaint narrative:
I purchased a XXXX XXXX XXXX in XXXX of XXXX. I was ecstatic that I was able to get a car loan by myself considering my credit was not the greatest at that time. I did not have a trade in as I still had negative equity that would roll over to another loan. My paperwork stated that I was only going to be paying around $ XXXX for this vehicle, but after I finally got my account set up it states over $ XXXX!!! Ive tried multiple times to lower my car payment, considering anytime I made a payment it didnt seem to make a dent in my loan. Why in the world is a car almost double the price on a loan? I tried multiple times to reach out to them to inquire about a decrease in a loan payment after I lost my job and was trying to work out a payment arrangement so I could keep my vehicle and they ended up repossessing it. Im going to have to end of claiming bankruptcy at XXXX because they were shady in the contract. The dealership also didnt help as my car salesman literally quit two days after he sold me the car. A XXXX interest rate is insane. My finance charge was {$19000.00} and amount financed was {$24000.00} and after its paid off is over $ XXXX? The math aint mathing and I felt I was taken advantage of.

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 2023-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
When I reached out to LVNV FUNDING about a debt they claimed I owed, I requested a debt verification. To my surprise, I received a letter stating that the debt had been verified, but no supporting evidence was provided. I immediately disputed the debt and requested written proof, but it's been XXXX months and I still haven't heard back from them. Every time I try to follow up, I receive a letter confirming the validity of the debt, yet they still fail to provide any proof. The total amount in question is {$900.00}, {$770.00}, and {$340.00}. Despite my repeated attempts to resolve this, it seems LVNV FUNDING is unwilling to provide the evidence I need to verify this debt. It's frustrating and I'm determined to get to the bottom of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 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: OH

Complaint narrative:
My wallet was stolen out of my car awhile back. I immediately reported it to the police once 1found out. I believe 1 could be a victim of identity theft as i had my ID, debit/credit cards, library card, voters ID and a host of other personal items in my wallet and vehicle.

To whom it may concern I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you. Are you familiar with something called 15 U.S.C.Sec. 1681i ( a )? 1 heard that if you can't provide proof, these accounts must be deleted. Well want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation and provide me with verification of these accounts. Please investigate the following accounts and remove them if anything IS missing or not correct on them.

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 2023-01-29 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: OH

Complaint narrative:
My wallet was stolen out of my car awhile back. I immediately reported it to the police once 1found out. I believe 1 could be a victim of identity theft as i had my ID, debit/credit cards, library card, voters ID and a host of other personal items in my wallet and vehicle. 

To whom it may concern I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you. Are you familiar with something called 15 U.S.C.Sec. 1681i ( a )? 1 heard that if you can't provide proof, these accounts must be deleted. Well want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a XXXX XXXX XXXX XXXX where this lawyer said you have 30 days to complete this investigation and provide me with verification of these accounts. Please investigate the following accounts and remove them if anything IS missing or not correct on them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital one froze my checking account on XX/XX/XXXX. They will not tell me the reason. Since that date they have not given me a reason why the account is frozen but only tell me the account is under investigation. It is my opinion they are committing conversion and illegally seizing my funds. 
I called customer service XXXX and was told there are restrictions on the account but no notes. I was told the bank is terminating banking relationship with me but still will not give me a reason. They told me they would issue me a check after their investigation is completed. They have no time frame for when this will be resolved. I asked for a call back but they do not call back. This issue has gone on for a month and a half. I have called the customer service number and the customer protection team many times and left messages for a call back and to escalate this matter. Neither of these departments are able to resolve my issue. I walked into a bank and they told me after review of the notes in the capital one system there is no reason stated why my funds are frozen. They can see the funds are frozen and there is an investigation but no reason provided. The bank manager tried to resolve the issue himself but was not successful. They issue a tier XXXX complaint on XX/XX/XXXX on my behalf. The bank case number is XXXX. Still no one has contacted me and the matter is unresolved. Can you assist me with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 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: NJ

Complaint narrative:
I have asked several time to look into this account and provide account details. It is showing one negative month and no other information. Please provide payment history as to why this account is negative. Please provide at least two years of payment history including missed months and first day of delinquency. All you are providing is month closed not why this account is negative. 
XXXX - Account number - XXXXPayment history

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 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: AMERICAN EXPRESS COMPANY
State: LA

Complaint narrative:
To whom it may concern : I received a copy of my XXXX credit report, and I noticed some late payments on my credit report : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your company is in clear violation of the law. Under 15 U.S.C. 1681 ( b ) permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( 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 instructions of the consumer to whom it relates. 

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 U.S.C. 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS - Except as provided in paragraph ( 3 ), the term consumer report does not include- ( a ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report of ALL listed accounts this agency is in violation of 15 U.S.C. 1681 Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 U.S.C. 1692g violations 4. Fair Credit Reporting Act 15 U.S.C. 1681 violations for willful noncompliance - 616 Civil Liability for willful noncompliance 15 U.S.C. 1681 ( n ) Best Regards, XXXX XXXX Enclosed : copy of ID and Utility Bill showing proof of address.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 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: TX

Complaint narrative:
number XXXX N 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 right right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also st
ates a consumer reporting agency can not furnish a account without my written instructions Account 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 2023-01-29 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:
When I reached out to transunion, XXXX and XXXX about XXXX XXXX saying a debt they claimed I owed, I requested a debt verification. To my surprise, I received a letter stating that the debt had been verified, but no supporting evidence was provided. I immediately disputed the debt and requested written proof, but it's been three months and I still haven't heard back from them. Every time I try to follow up, I receive a letter confirming the validity of the debt, yet they still fail to provide any proof. The total amount in question is {$900.00}, {$770.00}, and {$340.00}. Despite my repeated attempts to resolve this, it seems transunion and XXXXXXXX XXXX is unwilling to provide the evidence I need to verify this debt. It's frustrating and I'm determined to get to the bottom of 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 non-monetary relief
Consumer complaint received 2023-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I made a check deposit of {$1000.00} at Wells Fargo bank using online check deposit. The bank sent me a notice saying a hold was placed on the deposit because my endorsement didnt match. I called the bank and the rep told me it clearly matched but there was nothing she could do. The funds will not be released until XX/XX/31. This is unacceptable 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 2023-01-29 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION
State: TX

Complaint narrative:
Sallie Mae is raising my monthly payment without my consent. They refuse to work with me on a lower payment, even though I have said I need it lower. They call daily and have began calling my spouse, even after many requests to remove his contact information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: CO

Complaint narrative:
Please refer to prior complaint as well. 

I received two direct deposit refunds and one check totalling to XXXX following my claim in XXXX to the CFPB after requesting money paid towards my loans during the pandemic refunded. My current balance through Mohela now, however, is XXXX, with interest ( please see attached document for confirmation ). As I was at a XXXX balance prior to my requested refund, and there has been no interest throughout the payment pause duration, these numbers don't add up. I have contacted two upper level Mohela reps ( after being on hold on the phone for almost two hours for each call ), once in late XXXX and again after I never received the promised call with a resolution within a week in XXXX. I was told this would be resolved again within a week and I have not heard back. When I called two days ago, a representative said there was no record of either call and that they couldn't determine the discrepancy with the balances other than that I might get a check with the remainder. This is unacceptable. I need to either be fully reimbursed to the total currently listed on Mohela 's website or the total owed needs to be adjusted appropriately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation