vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: KS

Complaint narrative:
I opened a checking and savings account with JPMorgan Chase online on XX/XX/. I attempted to fund the account via Chase 's external transfer system. The transfers were rejected by Chase because my bank did not verify account ownership. I then wanted to close the accounts over the phone. The supervisor stated that the only way to close the accounts is to visit a Chase branch in person. I do not live near a Chase branch. I opened the account online and I feel that I should be able to close an account that I have never used or funded either over the phone or online. Chase 's Deposit Account Agreement does not state that I must visit a branch in person to close an account. 

Either you or we may close your account ( other than a CD ) at any time for any reason or no reason without prior notice. We are not required to close your account at your request if you have pending transactions, the account is overdrawn, your account is subject to legal process ( such as a garnishment, attachment, execution or levy ) or any type of holds ( such as collateral hold, decedent hold or deposit hold ). In those cases, we will limit the types of transactions that you can make until pending transactions are paid or returned, the balance is no longer negative and any legal restriction/hold has been released. After we restrict your account in preparation for closing, we will not pay any additional interest on the account. We may automatically close your account if the balance is {$0.00} or negative. Either you or we may close your CD account on any maturity date without cause.

We may send you written notice that we have closed or will close your account and return the balance less any fees, claims, setoffs or other amounts if the balance is greater than {$1.00}. After your account is closed, we have no obligation to accept deposits or pay any outstanding checks, but we may reopen your account if we receive a deposit. We will have no liability for refusing to honor any check drawn on a closed account. We may advise consumer reporting agencies of accounts closed for misuse, such as overdrafts. 
This agreement continues to apply to your account and issues related to your account even after it closes.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Recently, my credit card was closed without any reason, despite having a history of no payment delays. Additionally, the closure was related to a payment that couldn't be processed in my Amazon account, which I insisted for months to be charged to my Amazon Store Card. 

For over six months, I used Amazon 's " buy now, pay later '' service. During this time, there were issues with recognizing the return of 3 out of 5 pairs of tennis shoes I purchased. Although the issue was resolved with Amazon 's customer service and I agreed to pay with my Amazon Store Card, I was always asked to change the payment method, adding the Amazon Store Card again. Despite having sufficient funds in my credit card, the payment attempts kept failing, resulting in messages like " unable to process payment, change your payment method '', even though there were no overdue payments on the credit card, nor insufficient funds to perform a {$65.00} transaction, despite the credit on the card being FAR ABOVE.

Most puzzling was that, even after following instructions and waiting for the charge to be processed on the card, the problem persisted. Even after the card was fully paid off, the notice of an uncollected charge kept appearing.

It's surprising that, despite having an impeccable payment history and available funds to collect, Syncronick closed my credit card unjustly. This unjustified closure resulted in the loss of my right to have a credit card that I've always managed responsibly and promptly ( information that can be verified in my payment history ).

Finally, I decided to pay the charge through a phone operator and file a formal complaint, requesting correction of the error, because I knew that if I continued to insist, they would end up marking me with a late payment, collection, which would further harm me.

I believe this problem is an error on Amazon 's platform, which I contacted and they referred me to Syncronick. I've already sent a letter to Syncronick over a month ago without receiving any response. My on-time payments demonstrate that it wasn't an error on my part.

I request a thorough investigation by the CFPB to resolve this matter and restore access to my credit card. Additionally, I ask for compensation for the inconvenience caused by the unjustified closure of my account.

I expect prompt action from the CFPB to resolve this situation fairly and satisfactorily.

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 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME

Complaint narrative:
XXXX continues to report a collection to my credit each month. XXXX wrongfully billed us for full monthly service on our condo in XXXX. Each year we go back home and place the service on seasonal, which we did, however XXXX continued to billed us the full monthly rate. We explained to them that the charge was incorrect and they insisted on charging the full rate. 

After a period of time XXXX placed a derogatory on my credit report. I was infuriated not so much about the wrongful money charges, but the principal of them charging me something that is not mine and crediting trouble on my credit reporting. 

I then hired a company to repair this error. After approximately 9 months the account in question was resolved and the bureaus Transunion, XXXX and XXXX all deleted it from my credit report. Yet it is now showing up re-reporting under a different name in error. 

I have tried to rectify this with XXXX and the bureaus and they have been unwilling to investigate or correct the error. This is very upsetting and should be illegal.

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 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: ME

Complaint narrative:
XXXX continues to report a collection to my credit each month. XXXX wrongfully billed us for full monthly service on our condo in XXXX  Each year we go back home and place the service on seasonal, which we did, however XXXX continued to billed us the full monthly rate. We explained to them that the charge was incorrect and they insisted on charging the full rate. 

After a period of time XXXX placed a derogatory on my credit report. I was infuriated not so much about the wrongful money charges, but the principal of them charging me something that is not mine and crediting trouble on my credit reporting. 

I then hired a company to repair this error. After approximately 9 months the account in question was resolved and the bureaus XXXX, XXXX and Equifax all deleted it from my credit report. Yet it is now showing up re-reporting under a different name in error. 

I have tried to rectify this with XXXX and the bureaus and they have been unwilling to investigate or correct the error. This is very upsetting and should be illegal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 has violated my rights. Or a list of inquiries : 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 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: NAVY FEDERAL CREDIT UNION
State: AL

Complaint narrative:
XX/XX/year> : contacted Navy Federal Credit Union ( NFCU ) via telephone to notify them of identity theft. I have never banked with NFCU and noticed the account of my credit report. I asked for applicable information ( addresses, telephone numbers, email, etc ) on the account and was denied this information. They did confirm that there was both a credit card and checking account in my name. They stated checking account had 3 checks deposited over the life of the account, but would not send me copies. They opened a fraud claim ( # XXXX ) and stated the investigation should take 10 days and they will contact me by phone. 
XX/XX/year> : I emailed the declaration of fraud document to NFCU at both XXXX XXXX navyfederalXXXX XXXX XXXXXXXXnavyfederalXXXX I received an automatic email stating that my message was received. To obtain these email addresses, I had to call the company at which time they revealed the email on my fraudulent accounts. The email associated with the fraudulent accounts included the last 4 numbers of my social security number and NFCU never saw that as a red flag! 
XX/XX/year> : contacted NFCU via telephone for status update. They would not provide any information nor would they confirm if the investigation had even been started. They claimed that all contact with me would occur via mail, yet I don't know if they have my accurate mailing address. 
XX/XX/year> : contacted NFCU via telephone for status update and to ask why they reported a delinquency to the credit bureaus for the month of XXXX if the accounts are fraudulent to which they stated that they can not stop reporting until the investigation is complete. NFCU would not provide any information other than " the account way closed '' but would not specify if checking, credit card, or both. They acknowledged that 10 days is the typical investigation time but that they are " backed up ''. 
XX/XX/year> : filed claim with FTC. 
XX/XX/year> : retained legal counsel.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
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 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 has violated my rights. Or a list of inquiries : 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 non-monetary relief
Consumer complaint received 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions 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 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 has violated my rights. Or a list of inquiries : 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 explanation
Consumer complaint received 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Inquires : 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 non-monetary relief
Consumer complaint received 2024-04-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am writing to formally lodge a complaint regarding the handling of my auto loan serviced by Bank of America, where due to a technical glitch on their end, I have been unfairly penalized with excessive late fees over a period of 13 months without prior notification of the account being past due. Despite my attempts to resolve this issue with Bank of America, I have not received a satisfactory response, prompting me to seek intervention from the Federal Reserve Consumer Help.

Issue Details : In 2023, there was a technical issue when setting up my first payment for my auto loan through Bank of America. Due to this glitch, for 13 months, I have been unknowingly charged late fees for each payment cycle. It is important to note that I have never missed a car payment and was under the impression my account was in good standing until I was contacted by Bank of America a few weeks ago. The bank informed me of the past due status and the late fees accrued, which by then had amounted to over {$700.00}. Upon receiving this information, I promptly made an additional payment to bring my account current, yet I discovered that late fees were still being applied. 
I have attempted on several occasions to reach out to Bank of America for assistance and to request the return of the unfairly charged late fees and for my account to be credited accordingly. Unfortunately, my efforts have been met with lackluster customer service, with no individual able to offer a resolution or even the courtesy of a callback. 
Desired Resolution : Given these circumstances, I kindly request the Federal Reserve Consumer Help to intervene on my behalf to achieve the following resolutions : A formal investigation into the handling of my auto loan payment processing by Bank of America. 
The return of all unjust late fees charged due to the technical glitch, amounting to over {$700.00}, and a credit to my account for the same amount. 
An official reassessment of my account 's standing to ensure accuracy moving forward. 
The financial stress and frustration caused by this ordeal have been significant, not to mention the hours spent attempting to rectify this matter directly with the bank. I believe that Bank of America 's handling of my situation lacks transparency and accountability, directly impacting my financial well-being.

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 2024-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Didnt look into my claim when I provided the information. Reason denied was I didnt provide the information when I did via mail and also sent via email multiple times. From one email I received multiple pushbacks.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TRUIST FINANCIAL CORPORATION
State: AR

Complaint narrative:
On XX/XX/2024 I opened up a new account with Truist Bank online. The deposit amount was {$1800.00} drawn on another Truist account ( my mothers ). Upon depositing I received a welcome email and a note indicating that my funds would be available on XX/XX/XXXX. I also opened XXXX at that bank. On XX/XX/XXXX my funds were released and I made a XXXX transaction to pay for a portion of my rent. It was authorized. The next day it stated that there was suspicious activity with my XXXX transaction. I told Truist it was me. They placed a lock on my account the same day and have yet to release it. I have spoken to many supervisors and analysts who have yet to give me an answer or explanation as to why my funds havent been released. This is causing a very serious hardship on me and I need help.

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