vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
On XX/XX/XXXX I made my regular payment through XXXX to TJ Maxx Credit Card. I always pay balance in full. I accidentally put in two additional zeros  in payment. The balance was {$930.00} and entered {$93000.00}. I made the same mistake once before on another credit card and it was no problem. TJ Maxx accused me of not having intention to pay credit card. No one would even talk to me about it. They just kept saying your account is closed. If they would have looked at my records, i have always paid my balance in full. I have great credit rating and am afraid they might ruin it by their accusations. The XXXX  site reversed the transaction and then I paid the balance in full but TJ Maxx still closed account and said I am a high risk. I had purchased a lot of things in both TJ Maxx and XXXX during the holidays as I send gifts to nursing home residents, and women who I know are trying to go back to work and gifts for homeless. I am just outraged that they have accused me of this. My credit score is over 700. I have never had anyone accuse me of not paying bills, etc. and I am not a high risk. Anyone who had any sense would know that it was a mistake because of the amount of money. also, I paid balance in full on XX/XX/XXXX when I realized the problem. I feel I have been treated unfairly especially with the credit card record I have with them. No one will even discuss with me on phone. Last time I tried was XX/XX/XXXX. I do not want them to in any way hurt my credit.

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 2023-01-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XX/XX/XXXX I attempted to sell a XXXX XXXX bag on XXXX. I was trying to sell a bag for XXXX ; instead of making a profit, I was scammed out of XXXX. I was sent messages from someone posing to be a XXXX customer service representative that demanded me to send money and threatened to have the FBI arrest me. First it was a {$100.00} admin fee to get the money to transfer and then it was {$200.00}. Then, they demanded {$700.00} as the last payment. Unfortunately, I was a fool and sent them the {$700.00}. Then they demanded me to go to a bitcoin machine and purchase {$1500.00} worth and that's when I realized I was definitely being scammed. I have lost XXXX and been behind on all my bills because I needed that money. The whole reason I wanted to sell my XXXX XXXX is because I am broke and needed the money. 
I spoke with Wells Fargo customer service that day and filed three separate claims since there were three separate transactions. 
Unfortunately, the people investigating my situation denied my claims and now I am struggling to pay my bills. 
Now, my credit and deposit score are both tanked. Wells Fargo sent me a letter ( Sent XX/XX/XXXX, received XX/XX/XXXX ) informing me that they are closing my account " to manage risk in their banking operations '' and that my account is expected to close by XX/XX/XXXX or sooner. My account is in the negative and I haven't made any purchases. Furthermore, I can't check my banking activity because they XXXX my online 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 2023-01-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Debit card gets put on fraud block and i can not use it for anything, support refuses to verify me under the basis that the number isnt in my name under public records however, me making a purchase on XXXX is what tripped the fraud system

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 2023-01-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: ALLIANT CREDIT UNION
State: PA

Complaint narrative:
Hello, Here is the requested information : I opened a 2.0 % high-yield savings account with Alliant ( XXXX XXXX ) in XX/XX/XXXX. A deposit of {$620.00} was transferred into this account on XXXX XXXX XXXX XXXX XXXX I attempted to establish my online account ; however, the authentication process failed. When I called the Customer Service line ( XXXX ) in late XXXX, I was advised that a supervisor would need to solve my issue. The XXXX XXXX told me someone would call me back once those positions started, around XXXX XXXX XXXX. No one called me back. 

In a 2nd attempt, I called back in early XXXX and was told the same story : the person I was speaking to couldn't help me, but they would have a supervisor call me back. At this point, I still have no access to my savings account and can not confirm that the funds are there. No one called me back. 

Deciding that the customer service was lackluster and the company was no longer trustworthy, nor worth my time, I opted to close my account. After waiting the required 90 days, I called the XXXX line again on XXXX XXXX XXXX XXXX and went through the steps with the XXXX XXXX to close my account. I was advised that I would receive an email from the department that handled account closings, typically within 2 weeks. No email confirming my closed account came to my inbox. I called back on XXXX XXXX XXXX XXXX to confirm that my account was closed and clarify the following steps. I was again advised I'd receive an email and that a check would be sent, as well. No email or check has arrived. 

Then, on XXXX, I received my first statement in the mail from Alliant. It stated that my account was closed on XXXX and that the balance was XXXX. Withdrawals totaling the original amount I deposited were withdrawn on the same day. No interest had accumulated and no check was included with the statement. 

As you can imagine, this is incredibly frustrating. The amount in question is only pennies for a financial institution but is a ticket to more security for me and my family. 

Thank you for taking my complaint and for providing this service. 

XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
TD Bank snd XXXX are NOT XXXX XXXX Compliant as numerous required fields are NoT filled in completely, accurately, mandatorily and logically 200 % perfect to meet FCRA and other Compliance standards. I have attached the XX/XX/XXXX letter of TD Bsnk Senior Vice President, Paramita Pal who stated your credit card account was voluntarily closed on XX/XX/XXXX and has not been reported as open since. On XX/XX/XXXX, I received my attached XXXX credit report dated XX/XX/XXXX which clearly documents that my TD account still remains IpEN despite XXXX plus demands to correct the willful FCRA violations. The TD Senior Vice President obviously falsely certified that my account has not been reported as open since it was voluntarily closed on XX/XX/XXXX. Obviously, TD snd XXXX have failed to investigate and have willfully violated the FCRA and XXXX XXXX standards by reporting my closed account as open. Stop embarrassing yourselves as once an account is marked closed with the required date if closure on XX/XX/XXXX, internal controls were required to prevent the closed account to be changed to open. There is obvious a sinister reason why my account was maliciously changed from closed to open. Thus will Cust you another {$2000.00} statutory damage claim for willful FCRA repeated unconscionable violations. If a Senior VP cant fix this, maybe the TD CEO can!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 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: IL

Complaint narrative:
I sent in a letter explain errors on my credit report over 30 days ago. I seen a whole bunch of errors and marks on my report that I was un aware of. Especially marks on my report when i was XXXX  I need to this incorrect infor off my report this is affecting my ability to grow since i have been home

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Dear Sir or Madam, My name is XXXX XXXX XXXX and a client of Bank of America for XXXX years. I currently reside in XXXX. I want to file a complaint against Bank of America due to their improper conduct towards me, their lack of responsiveness and the incapability of dealing with my claims. 
On XX/XX/2022, I submitted my complaint to the Federal Reserve, but they instructed me to submit it here. 
The bank branch is located in XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX FL XXXX. Phone ( XXXX ) XXXX. 

Since I reside in XXXX, I am being helped by XXXX XXXX, who is my mother in-law and resides in the US. 

To better understand what I have been going through with the bank, please read the attached chronology and documentation.

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 2023-01-10 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b.

1. XXXX Account Number : 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 2023-01-10 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: FL

Complaint narrative:
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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2023-01-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America closed my wife and my joint account. They claim they notified us by mail but we never received any mail. 

We called bank of America and they said the reason they closed our joint account is because they could not reach us on their routine check to ensure our profile information is updated. 

This is a really silly reason to close some ones account and i suspect something else. We called them and they said they can not re-open the account due to policy and we must open a brand new account. 

This reminds me of the XXXX XXXX debacle. Is Bank of America trying to get more new accounts opened?

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 2023-01-10 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Westlake Services, LLC
State: IN

Complaint narrative:
My loan was sold to this company without my knowledge. When I became informed of it I made my payments so I wouldnt get behind on the loan. But the day after the payment is due, if I have not paid the monthly installment the company calls all hours of the day 6-9 minimum each day, including weekends. I can not get them to stop.

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 2023-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
On XX/XX/XXXX I received an email from XXXX stating that my account would be reported as 30 Days Delinquent if I did not remit payment by XXXXXXXX XXXX PST on XX/XX/XXXX. On XX/XX/XXXX at XXXXXXXX XXXX EST ( or XX/XX/XXXX XXXX XXXX PST ) I remitted payment in the amount required to prevent a 30 day delinquency report on my credit reports. On XX/XX/XXXX I contacted XXXX to resolve the issue and was told that their systems automatically report to the credit bureaus and they will not change the account status because it is accurate. I then reiterated that I made the payment before the PST deadline and was continuously met with a refusal to correct the information.

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 2023-01-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc.
State: FL

Complaint narrative:
On XX/XX/2023, I contacted the company, XXXX XXXX and spoke to a very numbed speaking man that I had to interrupt several times because he was speaking fast as to read the script, I stated I wanted a supervisor. He said, let me get you to who got to handle yo I told him again I asked for a supervisor. He then quickly said, it aint a supervisor issue and placed me on hold. I then called back, spoke to a RUDE and left to be desired supervisor named XXXX XXXX. She also wanted to rush me off the phone reading quickly speaking fast as ever and again when I stated I wanted to address the behavior of the previous representative, she tried to dismiss me and then tried telling me to PAY WHAT I OWE. 
I asked SEVERAL TIMES to speak to her superior and she said, oh thats not going to happen. I said I will call back, she said and you will get only me and refused to get me to someone over her. 
I dont know what kind of ghetto business this is, but clearly the issue is someone that has my information. But I will now address that this is Identity theft, AFTER I READ THE NOTICE AND LOOKED AT WHAT I CAN DO! So maybe you can save your company some money, make sure people see what they can do without having to deal with people like XXXX XXXX and representatives that are very comfortable in their ill mannered behavior. I hope XXXX XXXX supervisor can maybe get her some customer service etiquette and explain that this may not be the career move for her.

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 2023-01-10 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX Account Number : 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 2023-01-10 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: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I bought something from XXXX  XXXX  return part of the money. XXXX told me to call my bank to release the money. I called my bank and they ( chase ) are saying the money never came out my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 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: GA

Complaint narrative:
XX/XX/2022, my XXXX XXXX engine went out while my wife and children were traveling from XXXX headed to XXXX. The local tow truck to a garage where the mechanic diagnosed the vehicle and said itd cost way too much to fix given the value of the car and how much was still owed on it. An economical decision was made to relinquish the vehicle to XXXX XXXX. They sent mail stating theyd keep the vehicle if I couldnt pay it off ( as if that made sense as I told them why I relinquished it to them ), keep the promissory note, and furnish the repo onto my report. They did not disclose I had to consent and state I wanted the repossession reported. XXXX XXXX also reported multiple late payments which violates 15 USC 1681a ( 2 ) ( a ). My transactions are not supposed to be reported at all, good or bad. I believe XXXX XXXX wanted to willfully injure me. They never responded to my response and have continued to call harassing me. The initial letter had a threatening tone to it. The reps that called and those who answered when I reached out with concerns were also snippy. If that has any relevance. 

The Credit Reporting Agencies ( acting as Bureaus ) are guilty of not receiving a court order or express written consent from me, XXXX : XXXX and proceeding to furnish damaging information.

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 2023-01-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY
State: AR

Complaint narrative:
On/ about XX/XX/20XXXX  Target charged my credit card {$14000.00} over the {$7000.00} limit. I rented a vehicle with XXXX XXXX XXXX  XXXX XXXX about XX/XX/2022, and returned the vehicle intact, undamaged on/ about XX/XX/2022. Target charged the credit card for the sales of this vehicle. I have asked both XXXX XXXX a XXXX and Target for an itemized detail of the charges and both have failed to provide anything. Target has advised they went by word of mouth. Again, the credit limit is {XXXX XXXXXXXX on this credit card. I would like this rectified. I am an authorized user of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 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: AL

Complaint narrative:
I requested the credit bureau in XX/XX/2022 and XX/XX/2022 to perform a full " Investigation on every piece of information '' on the account listed by XXXX XXXX XXXX XXXX, which is account number XXXX. 

According to the FRCA the term " Investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he/she is acquainted or who may have knowledge concerning any such items of information. 

The credit bureau stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on this account is still not reporting 100 % Accurately. And, according to the FRCA 15 USC 1681 everything has to be 100 % Accurate.

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 2023-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation
State: MD

Complaint narrative:
On XX/XX/XXXX I received an email from Bridgecrest stating that my account would be reported as 30 Days Delinquent if I did not remit payment by XXXX XXXX PST on XX/XX/XXXX. On XX/XX/XXXX at XXXXXXXX XXXX  EST ( or XX/XX/XXXX XXXX XXXX  PST ) I remitted payment in the amount required to prevent a 30 day delinquency report on my credit reports. On XX/XX/XXXX I contacted Bridgecrest to resolve the issue and was told that their systems automatically report to the credit bureaus and they will not change the account status because it is accurate. I then reiterated that I made the payment before the PST deadline and was continuously met with a refusal to correct the information.

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