vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
To Whom It May Concern : REF : Intent to file suit : violation of the FCRA I have sent XXXX previous letters to you, all by certified mail ... ..requesting that you remove inaccurate information from my file and you have failed to do so. 
Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous lettersall sent Registered mailstated my reasons for an investigation and these reasons were not frivolous in any way. On XX/XX/XXXX I sent a dispute to TransUnion to dispute inquiries that was on my credit files that I did not initiate nor authorize .... knowing my rights I demanded they delete them ... .... 
It is now XX/XX/XXXX and they have not deleted the 15 credit inquiries ... ... ... TransUnion has violated my rights on numerous occasions and I demand redress. 

{$1000.00} per violation for the 15 inquiries equals {$15000.00} {$1000.00} per violation for each time I reached out to them after the initial dispute 22 timer equals {$22000.00}

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 2022-01-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Millco Management
State: FL

Complaint narrative:
This is not my debt

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Please remove negative items off my report I have reported identity theft multiple times and my claims have not been returned or has been completely ignored I have submitted documentation as well this has been a very hard time in my life please remove off my 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 2022-01-16 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
To Whom It May Concern : I have previously sent you a request to validate my debt under the Fair Debt Collection Practices Act and all I received was an itemized list of the alleged charges you claim I owe you. This does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation In addition, in the case of XXXX Vs. XXXX ( IN THE COURT OF APPEALS OF INDIANA, No. XXXX ), the court ruled that : 15 U.S.C XXXX 1692g ( b ) ( emphasis added ). On XX/XX/1996, nineteen days after the date of XXXX debt collection letter, XXXX counsel XXXX sent XXXX a letter declaring that XXXX disputes your debt collection-related allegations, denies the same, and demands strict proof and verification thereof. Record at XXXX. As such, XXXX should have ceased his debt collection efforts immediately upon receiving that letter. Instead, XXXX proceeded to obtain a default judgment against XXXX on the debt collection claim before he had mailed XXXX the necessary verification and, thus, violated 15 U.S.C. 1692g ( b ). 

XXXX maintains, however, that there was no violation of the FDCPA because he sent adequate verification of the debt [ to XXXX ] in the XX/XX/1996 notice of claim. Brief of XXXX at XXXX. Specifically, XXXX claims that a copy of the consumer credit contract between XXXX and XXXX XXXX attached to the notice of claim provided sufficient verification of the debt within the meaning of 15 U.S.C. 1692g ( b ). We can not agree. 

The contract in no way provides sufficient verification of the debt. A review of the document reveals that it identifies only the terms of XXXX loan, including a 17.99 % annual interest rate and the original loan amount of {$2500.00}. The loan agreement contains no accounting of any payments made by XXXX, the dates on which those payments were made, the interest which had accrued, or any late fees which had been assessed once XXXX stopped making the required payments. Indeed, the existing unpaid contract balance at the time XXXX sent the debt collection notice was at least {$350.00} more than the original loan amount. Therefore, XXXX violated 15 U.S.C. 1692g ( b ) when he failed to cease collection of the debt by obtaining a default judgment against XXXX after XXXX had notified XXXX in writing that he was disputing the debt but before XXXX had mailed verification of the debt to XXXX. We reverse the trial courts entry of summary judgment in favor of XXXX on this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
I am writing to complain about claims I made with bank of America regarding the total amount of {$9700.00} charged to my debit card on various dates. These charges were made after I lost my Bank Of America debit card back in XX/XX/2021.. Below are the unrecognized charges that occurred on XX/XX/XXXX : XXXX : {$150.00} ( XX/XX/2021 ) XXXX  : {$20.00} ( XX/XX/2021 ) XXXX  : {$170.00} ( XX/XX/2021 ) XXXX  : {$1700.00} ( XX/XX/2021 ) XXXX  : {$7600.00} ( XX/XX/2021 ) I received a call from Bank of America XXXX XX/XX/XXXX, to confirm some changes made on my card, and as the agent was going through them I was not recognizing any of the charges. 

The BOA agent opened a claim that day and canceled my lost debit card and ordered a new one for me. He also told me that a couple of charges was being made with my card for a total amount of {$9700.00}. But he will open a case and that my money will be reimbursed while investigations are being conducted. 

I will like to reiterate that I have not initiated the above-said transaction made on XX/XX/2021. However, the original claim I made, had a mistake on one of the unauthorized transactions. Hence, I would like to file a new claim on the unauthorized transaction from XXXX and XXXX only, as I could not recall the exact date where I entered my pin at XXXX. 

I am appealing to Bank Of America to reconsider their decision and to keep their promises of paying me all that money back while they are still pursuing their investigations. Also, you have all the recordings of my communication with your co-workers to verify the veracity of my claims. 

I have tried XXXX attempts to solve this problem with Bank Of America in vain, instead of solving the issue they closed all my account related to them without telling me the reason. 

Hope to hear good news from you as soon as possible because I am relatively irritated and frustrated about this ordeal.

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 2022-01-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: UPGRADE, INC.
State: FL

Complaint narrative:
I am currently in complete shock with the lack of professional support at Upgrade. 

According to Upgrade they received a letter from XXXX stating that I disputed the account. 

This is not correct! I never disputed the two lines of credit. I sent documents that you verified and opened the account. 

I was able to use the account for 3 weeks and then they blocked it from anymore purchases temporarily until I could verify that I did open up. 

I have called Upgrade over XXXX times left XXXX on their voicemail & Filed several CFPB complaints reports. I have spoken to countless representatives at Upgrade and they advised me that I would have to contact this specific department who would remove the block. They have never called me back or reply to email.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I had 2 Synchrony accounts. One was Care Credit they gave me in the beginning a {$14000.00} limit, then went down to {$6000.00} then {$4000.00} then they closed my account without notice. Doesn't matter the balances or credit lines here, ... LOWES synchrony card beginning was roughly a {$4000.00} line then went down to around {$2000.00} don't have exact figures in front of me. My point is they closed both my accounts without notice I am continuing to pay the balances as promised. They blamed it on my credit score going down. There are literally thousands of other people ( consumers ) they've done this to no warning. Same explanation. This has caused a very negative impact on my credit report because it shows " closed by company '' And Not " CLOSED BY CONSUMER ''. This is unfair business practices and it has really affected my life in a very detrimental way. I want to sue them! This is wrong! They need to be punished!

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 2022-01-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Over 2 billing cycles I noticed the interest being charged on a cash advance was not decreasing, on XX/XX/XXXX I contacted capital one to inquire. My minimum payment is {$25.00} I made a payment for {$170.00}, however, entire payment was applied to my purchase balance and {$0.00} to cash advance. I asked them to apply some of my payment to the cash advance balance and I was told it was not allowed until my purchase balance reached {$0.00}. The reason being is the apr for cash advances and purchases are equal. And they can choose how my payment is applied. I feel this is a loop hole being used by credit card companies to circumvent the credit card act of XXXX to require payments in excess of the minimum payment to be applied to balances with higher apr 's. Thus allowing them to continually rake in more profits and taking advantage of the ill informed consumer. I just feel that if I'm paying over the minimum payment that those funds in excess should at least be spread equally to all balances to provide me with the opportunity to lower balances that could be costing me more interest because the balance is higher.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
Recently I got a copy of my early warning report and noticed a XXXX XXXXk on my report. Which is stopping me from opening a bank account with a credit union due to fraudulent activities. I reached out to XXXX in hopes to getting this resolved considering I never opened the account and was able to support evidence that it was open up fraudulent. Only to learn XXXX XXXX couldnt help because the company was sold and this account is over 5 years old and its not currently open. The operator couldnt assist me in anyway as when she looked me up by babe in social it showed I didnt have an account to pull up information regarding it. Im asking this account to be removed as it is tarnishing my credibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Hello CFPB-inXX/XX/2022, I placed a telephone call to Citibank to inquire of the Citibank Fraud Department if I am eligible to open Citibank deposit accounts, and Citi responded that I was free and welcome to do so.On or around XXXX XXXX, I opened the Citibank basic checking account # XXXX, with a successful ACH transfer of the required amount of {$25.00} from my current financial institution to Citibank-the transfer was completed and successful, and this was the extent of my Citibank activities.Today, XXXX XXXX, I received a Citibank email message informing me that my account will be closed within 60 days for violating the terms of the Citibank Client Manual, as well as asking me to refrain from any further transaction on this account.Question : how could I possibly violate the terms of the Client Manual when all I did was fund my account, as was prompted and required, successfully and completely and provided Citibank with my correct contact information numbers, nicknamed my accounts, and listed one ( 1 ) payee for bill pay service? I find this Citibank action of closing my account extreme, vindictive, and wrong! I did everything correctly and have been forthright with all my actions and information, and stand ready to provide any and all documentation to resolve this dispute-thankyou-XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I've been receiving threatening messages and phone calls for the past 4 years. I've stated that I am XXXX and now affected by COVID-19 pandemic. I also was part of the 2017 Equifax Breach. Since then I have been affected the last 4years. I've spent money on several identity protection companies, apps etc

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I paid off my car loan in full on XX/XX/2021 in person at a branch. My account was closed on XX/XX/2021 and I was unable to login to the system since my loan was paid in full. Wells Fargo continued to withdraw {$1000.00} from my bank account on XX/XX/2021 via an autopay setting that I had setup. I could not disable autopay since my account closed since it was paid in full. I called Wells Fargo to ask why they withdrew the {$1000.00} autopay amount when my account was already paid in full. The person said that it would be refunded to me in XXXX days via bank transfer. 

Two weeks pass and I still do not have my {$1000.00} refund from Wells Fargo. I call them again and ask where is my refund and they tell me it there was an issue with my account that since I paid in full and am not a customer that they couldnt refund via bank transfer and that they could only mail me a check which was sent out XX/XX/2021. I did not receive the check until XX/XX/2021. 

Wells Fargo should be held accountable for over drafting my account and pay me interest for the time they were holding my money. I was lucky that I did not need the {$1000.00} at the time, but what if I did? I would be out of luck and overdrafting because of Wells Fargos poor internal controls. A bank can charge customers overdraft fees, but customers cant charge banks for their mistakes,

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 2022-01-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Debt Recovery Solutions, LLC
State: IN

Complaint narrative:
DRS has flagged your account as Collections. 
DRS has flagged your account as Collections on XX/XX/2021. 
Alert Details Source Company Address Phone Activity Balance Date Balance XXXX DRS XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX ( XXXX ) XXXX Grid Code G ( Collections ) XX/XX/2021 {$1300.00} My identity was hacked & stolen from XX/XX/2021 until the attackers stopped around XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16 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: Continental Finance Company, LLC
State: TX

Complaint narrative:
I got an update about a change on my credit report from my XXXXXXXX XXXX on XX/XX/2021 about an Installment loan or New bank account inquiry for Continental FinanceXXXX and I dont recognize the inquiry nor did I give consent for this inquiry to take place.

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 2022-01-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with fraud alerts or security freezes — 
Company: AES/PHEAA
State: FL

Complaint narrative:
Fed loan transfer the student loan to other company and my score is low XXXX point. I worked hard to fix my credit and lose XXXX points in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc.
State: PA

Complaint narrative:
XXXX XXXX Binance.us a XXXX company operated by Bam Trading Services , ( BAM ) froze my account due to " risk management ''. 
XXXX XXXX I opened a request ticket # XXXX asking them to please reopen my account.Along with the request I sent a picture of myself with I.D . and a hand written note with the date and request, also a video of me asking for the request, to help comply with ( KYC ) Know your Customer and ( AML ) anti money laundering procedures. 
I am recently retired and had at that time, {$95000.00} in the account. 
I did not receive any correspondence from them during XXXX and XXXX of XXXX. XX/XX/XXXX I opened another ticket # XXXX and asked for help again. I have reached out to their customer service many times on XXXX and XXXX and have only received responses from bots saying they will look into it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
my funds is hold for 180 days. and my account is permanently close

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX Capital One Bank XXXX Checking Account was frozen due to XXXX funds being deposited, the bank requested XXXX tax returns and bank statements showing the tax refund being deposited. As well as an official form From the XXXX stating that the loan funds were paid back in full and the loan is now closed out. I filed a complaint before on this matter Capital One was supposed to return the funds to the lender and close the account, its been almost 8 months and the bank is still holding the money and wont release it to ether the lender or to my self. There is no longer an active loan due to the pay off in full and its been 8 months and the law states the bank needs to return the fund from the account in a reasonable amount of time. 8 months is NOT REASONABLE IN ANY SITUATION. 
I want my funds and the account to be closed there is no reason why it should take 8 months to return funds and close an account. The amount the bank is holding from me is {$2100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16 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: LD Holdings Group, LLC
State: GA

Complaint narrative:
on XX/XX/2021, I requested full disclosure under truth in lending, under notary via certified return receipt mail for proof of claim that the following companies loanDepot and XXXX XXXX are in fact the creditors of my account. Both companies has dishonored my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: R & B Corporation of Virginia
State: VA

Complaint narrative:
A debt collection of {$100.00} was reported on my credit score but was never notified of the debt being owed and no notification from debt collector of due amount

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nationwide Credit & Collection, Inc.
State: TX

Complaint narrative:
I contacted UT XXXX about my bill back in late 2020, and I was told that my bill had been paid by insurance and that I didnt owe anything else. Now they are claiming I owe the {$72.00}. I dont believe I owe them this. They cant tell me what service they even gave me while I was there. I dont know what Im being charged for.

Company response to consumer: Closed with explanation