vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital one closed all my checking accounts and savings account for no reason. I have over {$15000.00} in my accounts and capital one will not give XXXX XXXX reason or a time frame that my funds will be refunded to me. Every week I call customer service department and I get a different every time I call. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
We recently used the Bank of America 's Payment and Invoice services to receive payment from a client of our 's for a time sensitive project. We were under the impression that this would be a pretty seamless process but we later discovered that the Bank of America is basically using a third party processing company with little to no customer support. After our customer paid our invoice we then received a date when we would receive our funds. When that date came we received a notification via email that the payment would be delayed. No worries, it was just delayed by 5 days. So here we are 5 days later and no ACH received from Bank of America. This payment is now 12 days late when the standard ACH only takes about 3 business at the most to reflect. We reached out to the Bank to voice our discomfort about how this process is going and Bank of America placed our bank account under review and 15 minutes later they closed our account with " no notice '' at all. Mind you our customers ' {$16000.00} payment to us is now in limbo. Before using this product we did a little research and learned that this product would benefit our company greatly by simplifying our payments by ACH, so it stunned us to find out they they are using a processing company with 2 stars on Trustpilot to process ACH 's when Bank of America themselves can easily process ACH 's. We feel like our account was closed maliciously.

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 2023-05-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I stopped by XXXX in XXXX of XX/XX/2023 and purchases a shirt with a XXXX $ amount, the cashier person was too insist to issuing me a credit card with no annual fees, I did reject XXXX times by that time he request my ID to see if I am eligible for the credit when I knew that the Id is for this process I request my ID back and refused of any kind for such activity, after that date I start receiving a " pre-approval '' mails to my mailbox every XXXX week and when I open the mail it says " you have pre approved for the credit card and register now if you want and if you don't just ignore this mail you have till XXXX XXXX '' which I did reject the mail and not signed up or didn't do any actions. At the end of XX/XX/XXXX I received a notification that I am using all the credit on the card, I was shocked I did reach out to my bank to the police department stations near me and I did explain everything and the card issuer stooped the card. The issuing company for the card told me that the thief purchases with XXXX $ was buying a furniture! 

How can I received a credit card I didn't request and how can someone received the card on my behalf and open the mail.? 
I did not receive the card and I did not receive any notifications or email or anything! 

How can someone use a credit card under my name and verify it and use it! 

The company called the furniture shop that the thief purchase from and they did reply '' we don't use any CCTV ''.!!! 

How can Marshals group hire some cashier that is not capable of and provide a false information and lied to the customer. 

Fortunately I have my receipt with XXXX $ and the paper from the cashier that she did signed it with her hands and she was asking me for a good survey and her name also.

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 2023-05-02 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: IL

Complaint narrative:
THE FOLLOWING CREDIT INQUIRIES BELOW WERE UNAUTHORIZED AND SHOULD BE REMOVED IMMEDIATELY. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
THE FOLLOWING CREDIT INQUIRIES BELOW WERE UNAUTHORIZED AND SHOULD BE REMOVED IMMEDIATELY. 
XXXX XXXXXXXX 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 2023-05-02 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Radius Global Solutions LLC
State: AR

Complaint narrative:
My father was contacted my Radius Global Debt collection agency. My suffix is XXXX And his is XXXX. Once they verified his name ( only ), they said he owned an amount of {$52.00}. XXXX. He said he didnt owe anything. So they provided the name of the medical facility that provided services, the date, and asked if his address was my address by calling it out as well as my birthday. After hearing the information my dad offered to pay the amount owed and she would not take the payment. My privacy rights were violated.

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 2023-05-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
XXXX XXXX XXXX contacted me on XX/XX/XXXX stating I have a complaint going to court for a hearing on a debt for GE Capital a company that is now Synchrony Bank. They could not give me the full account number or what type of debt it was. Stated I owed and can make a payment plan with them. When I asked more questions my answers became " we just give courtesy calls we don't know anymore information ''. When I asked for the creditors information all I got was the name. I explained I don't owe any debts as I graduated a debt consolidation program. All I wanted was more information on the debt but they refused stating I will get a certified letter for court if court happened. Company has several scam reports online and with XXXX XXXX XXXX and XXXX XXXX were my points of contact their. XXXX misspoke several times on a recorded line and XXXX states they only collect creditor names and balances and call people considering she had no more information than that to give. This company needs to be reviewed for scamming and harassment XXXX stated they have been trying to reach me since 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 2023-05-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
We believe there were issues during the life of the mortgage where fee 's were applied and never disclosed or changes were made that were never disclosed

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 2023-05-02 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting Act the accounts listed below violated my federally protected consumer rights to privacy as well as confidentiality under 15 USC 1681 XXXX XXXX XXXX account # XXXX for Equifax XXXX account # for XXXX XXXX for XXXX XXXX XXXX XXXX account # XXXX for Equifax account XXXX for XXXX XXXX XXXX # XXXX XXXXXXXX XXXX- account for Equifax # XXXX XXXX account # for XXXX XXXX for XXXX XXXX XXXX XXXX account XXXX XXXX for Equifax, account XXXX for XXXX XXXX XXXX XXXX XXXX XXXX account number for Equifax # XXXX XXXX XXXX XXXX XXXX account XXXX XXXX for Equifax account # XXXX for XXXX for XXXX XXXX XXXX account # for XXXX, for XXXX XXXX XXXX XXXX XXXX account for XXXX XXXX XXXX XXXX account for XXXX All violated my rights 15 USC 1681 section 602A states that I have the right to privacy. 15 USC1681 section 604 A section 2 states that a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information Records of arrest, indictment, or conviction of crime which, from date of disposition, release, or parole, antedate the report by more than seven years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My name is XXXX XXXX. My social number is XXXX I am writing to you because there is an incorrect account on my credit report. 
this account : XXXX  with XXXX # XXXX opened on XX/XX/2008 with a balance of {$1700.00} is an account I don't know about. 
I sent a remove letter several times, but it has not been remove yet and I have not been contacted, so I am sending a letter like this again. 
Please remove this incorrect collection account from my credit report.

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 2023-05-02 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Fay Servicing, LLC
State: NY

Complaint narrative:
Fay Servicing is a debt collector operating in the State of New York must maintain reasonable procedures for determining the statute of limitations applicable to a debt it is collecting and whether such statute of limitations has expired.

In the State of New York, the promissory note and mortgage are contracts, and there is a six-year statute of limitations law in effect. 

The last mortgage payment made on the subject account according to XXXX XXXX internal records was XX/XX/2010. 

The New York State Department of Financial Services states in debt collection rule 23 NYCRR 1, Section 1.3, Fay Servicing Corporation is required to inform me that the statute of limitations has expired.

The Fair Debt Collection Practices Act, 15 U.S.C. section 1692, et seq strictly prohibits debt collectors from seeking payment on legally time-barred debts.

A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of a time-barred debt.

A debt collector is prohibited from falsely representing the character, amount, or legal status of any debt.1692e ( 2 ) ( a ) ; 12 CFR 1006.18 ( b ) ( 2 ).

Nor may a debt collector use unfair or unconscionable means to collect or attempt to collect a time-barred debt.

It is also a violation of the FDCPA for a debt collector to bring or threaten to bring legal actionwhether explicitly or implicitly against a consumer to collect a time-barred debt ( 12 CFR 1006.26 ; see generally 86 Fed Reg 5766, 578182 [ describing CFPB interpretation of this rule ] ).

Fay Servicing has deliberately refused for years to inform me of the disclosure or disclaimer about the statute of limitations being expired as required by the New York State Department of Financial Services debt collection rule 23 NYCRR 1, Section 1.3., despite many written requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I was involved in a business transaction With who I thought was a close family friend. I had a personal checking account with Chase Bank, and my friend brought me in to the bank and added me on to her account as an authorized user. 
Some weeks later I lost all access to my personal and business account. This was back in XX/XX/2022. I received a letter in the mail last week regarding a drastic amount of money was overdrawn in my personal account, and that I owe that amount. However I am a victim in this case. I have not had any access to this account since the incident happen. The amount is XXXX dollars. I obviously dont have that amount of money. Id just like to get this resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 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: FL

Complaint narrative:
I am writing to delete the following information from my consumer report. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I demand that the items be deleted to correct my consumer report immediately. 

XXXX XXXX XXXXXXXX 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 2023-05-02 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
They claim that I owe Barklays Bank Delaware the sum of {$16000.00} as of XX/XX/2023. The bulk of these charges are as a result of identity theft and fraudulent use of my credit card number by a person identified by Barklays Bank fraud investigators as residing in the state of Ohio, a state in which I have never resided nor more than passed through on the interstate on my way to the XXXX XXXX. 

I have made numerous attempts to resolve this, with their collection department and fraud division and get no results. They have been sending my statements to an address in Ohio where I don't live nor does anyone I know live, and when I first learned of these cash withdrawals ( something I never do ) they cancelled my account, issued a new card, transferred all of the fraudulent transactions to the new card and allowed the fraudulent person to make more transactions on the card. 

I have no resolution to this problem, and now they have referred this entire amount to a collection agency for collection- they have ruined my spotless credit report by false reporting of my non-payment of this 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 2023-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I'm submitting a complaint to you today to inform you that I was a victim of identity theft. I search on how to remove the fraudulent accounts in my report and found that I need to visit XXXX XXXXXXXX XXXX or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to removed /block any accounts listed o. ID theft report. Please find the attached documents to assist in the blocking of the erroneous information which is being posted yo my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 
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 XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXXXXXX Date Opened : XXXX Balance Owed XXXX {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$590.00}, XXXX  XXXX Date Opened : XXXX  Balance Owed : {$100.00}, XXXX XXXX Date Opened : XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$620.00}, XXXX XXXX Date Opened : XXXX  Balance Owed : {$8200.00} ; Inquiries XXXX Inquiry Date XX/XX/XXXX, XXXX XXXXnquiry Date XXXX XXXX Inquiry Date XXXX XXXX XXXXnquiry XXXX XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX Inquiry Date XXXX XXXXXXXX Inquiry Date XX/XX/XXXX, XXXX  Inquiry Date XXXX XXXX Inquiry Date XXXX  XXXX Inquiry Date XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-05-02 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
TD Auto Finance charged off my account XXXX of XXXX. They refused to accept payments and told me if I was not able to pay XXXX in one lump sump I would have to wait until the account is sent to collections. They stated this is their policy and they can not do anything to assist. They updated my account ever month after the charge off with late payment and added interest to my account. the current balance on my credit as of XX/XX/XXXX is XXXX, XXXX. TD Auto has never sent a statement the charge off dates but it was continue activity on the account even when it was place in collections. The balance with the collection company is {$7300.00}. TD Auto Finance is not reflecting this amount or the payments I have made on my credit report. If they are activity reporting, they need to prove statements when interest is added. They are not doing this at all. I contacted TD Auto Finance and they informed me they are reporting correctly. This information is not correct because they will not accept any payment from me, but mark my account as a late payment every since month. This has hurt my credit tremendously. I tried to be proactive and ask TD Auto Finance if I can may payments or even get a new loan and roll the balance into the new loan. All my attempts were denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
Someone is trying to make purchases on my debit card and credit card

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 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 Credit Acceptance, LLC
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor XXXX XXXX XXXX has Violated my rights. 15 USC 1681 Section 602 states I have the RIGHT TO PRIVACY. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency CAN NOT furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as Late for any purpose. XXXX XXXX XXXX are Violating my rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I have had several transactions on Paypal that needed further protection and Paypal denied my cases all the time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-02 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: AL

Complaint narrative:
Hi. My name is XXXX XXXX ( last XXXX SSN XXXX ). I have two items on my credit report that I feel are incorrect. 

First, is an alleged debt from XXXX XXXX XXXX in the amount of {$3000.00}. This debt has been reported on all three credit bureaus. This alleged debt amount is from an apartment complex that was shared by myself and my significant other. We never received anything in writing from the apartment complex regarding an outstanding balance. How can a company place a debt in collections without at least giving consumers the opportunity to pay it? This debt has also been applied to my boyfriends credit reports as well. We have not way of verifying the validity of this collection account. Personally, I feel as though this is retaliation on behalf of the apartment complex for several complaints we had made prior to our lease ending. Ive reached out to the credit bureaus regarding my concern ; my dispute came back as valid. 

Second, is my account with XXXX XXXX XXXX. My credit card account was closed by them back in XXXX. Theyve recently decided to report a balance increase last month on a closed account, which is causing my credit score to drop even more. 

These credit agencies/bureaus should have a more uniform, consistent manner in which they can report/add items to consumers credit. We are literally at the mercy of them, which is so scary because we need credit in order to live. Erroneous credit items and illegal reporting is costing Americans XXXX, maybe XXXX  of dollars.

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