vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-21 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: CARD Corporation
State: AZ

Complaint narrative:
I used my prepaid ( Card.com ) card to pay a third party ( XXXX XXXX ) via money transfer ( XXXX ). The transaction took place XX/XX/2022 for the total amount of {$84.00}. Expecting the money to be applied to the XXXX account appropriately, I waited for it to post to the account. 3 weeks to a month later ( on XXXX about XX/XX/2022 ), is when I was informed the XXXX account had been closed. At this point I was in wait for the refund and once XXXX released the funds back to XXXX, i should have been able to get my money back from them. XXXX was not being forthcoming with info on how to retrieve the money, so I them filed a dispute with Card.com. At this point I have tried to reopen the dispute thru Card.com. I repeatedly bounced back and forth between Card.com and XXXX. I simply want back my funds. And truth be told, XXXX should be the entity to process the refund, but several reps stated that because I filed a dispute, with the bank to my prepaid card, I would have to address them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2022, my general bank account was charged {$100.00} to pay for fees on the line of credit card associated with this account without my permission or authorization. This event overdrew the bank account and caused it to accumulate bank and finance charges. 

I never authorized Well Fargo bank or anyone from their offices to draw from my general bank account to pay for the monthly fees of the line of credit card in question. 

On the same day of XX/XX/2022, I spent nearly 4 hours trying to find out who, what, when, why, where was this authorization given and the bank personnel did not know alleging that I must have done it, which I never did.

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 2022-12-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have been dealing with a case of ID theft which I had reported to XXXX, the FTC and to the parties where credit cards were attempted to be taken out in my name, as well as bank accounts set up under my name.

2 were in successful in being ratified by the same company ( Truist ). One being in XXXX for a bank account/CC being issued to an unknown party and recently a short-term, unsecured loan of {$7500.00} on XX/XX/XXXX. I only knew about this because their debt collection department called me on XXXX to ask where my payment was which I was of course ignorant of knowing about. They have been extremely inept in dealing with both case and find it alarming that they allowed 2 cases to slip through their defenses especially with knowing that I already had a dispute with the previous case. Furthermore, I'm not even a Truist client I closed my accounts with them in XXXX I filed a police report in the county where the infraction took place and am waiting for a a police report to be created so I can submit it to the fraud department to help close my case ( at the request of Truist ).

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 2022-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I disputed the accuracy and completeness of this account on XX/XX/2022 and CITI BANK NA certified and verified that the information being reported is accurate. After CITI BANK NA verified the information as being reported accurate, I pulled my XXXX, XXXX, and XXXX consumer reports and noticed that the information is still incomplete and inaccurate. It's clear that CITI BANK NA failed to conduct a reasonable reinvestigation. This is a failed requirement of Regulation V under 12 CFR 1022.42 and a violation of 15 USC 1681s-2 ( b ) of the Fair Credit Reporting Act and CITI BANK NA is liable under 15 USC 1681n and 15 USC 1681o .

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 2022-12-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I received a call from Wells Fargo suspecting fraud and I confirmed but Wells Fargo transferred the funds to an unknown company and refused to talk to my bank XXXX or to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: AZ

Complaint narrative:
I inherited land from my diseased husband There was a lien on the land from Barclays Bank for {$2700.00} The Title company help back {$6500.00} from the sale to cover the the XXXX Each time I spoke to Barclays bank I got conflicting information. 
I was told that I could send {$2700.00} and the lien would be lifted. 
I sent a check and it was cashed ( It is stamped with Barclays Bank stamp on the back of the check ). 
I have a probate attorney that they would not talk to The XXXX is still not lifted and I have lost over {$9000.00} I have documentation for all of this and documentation of what and when I have faxed information to Barclay Bank.

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 2022-12-21 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Recovery Solutions Group, LLC
State: MI

Complaint narrative:
Recovery Solutions Group has harassed, threatened and tried to intimidate me for filing a civil suit against their company for violating the law. This has caused me anxiety and emotional distress. XXXX XXXX has also illegal given my number out to his employees to intimidate as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
On XX/XX/2022 I transferred money from my savings account to my checking account then withdrew the money. Fifth Third Bank determined this was suspicious activity and locked my accounts. On XX/XX/2022 I went to ATM and withdrew my savings. I spent 3 hours on the phone on XX/XX/2022 trying to straighten out unlocking my accounts. There were sufficient funds to cover all transactions. The bank kept hanging up on me. There seemed to be no more problems until XX/XX/2022 when I attempted to pay my electric bill via bill pay. My payment was held from XX/XX/XXXX through XX/XX/2022. I went to my local bank to ask why the funds were held. The banker told me it was not her responsibility to check into these holds. I was told to call customer service. When I stated that I did not want to be placed on hold for hours, I was told to find another bank if I wasn't happy. I left the bank and called customer service. After 45 minutes the person on the phone said I would have to be placed on hold for third time. I asked her to call me back when she got an answer because I was heading into a doctor 's appointment. I was then informed that they would not call me back and that if I called back later, I would have to start the whole process again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 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: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
In accordance with the fair credit reporting act this creditor, Account # XXXX, has violated my rights. 

Under 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 instruction.

15 USC 1666B : A creditor may not treat a payment 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 explanation
Consumer complaint received 2022-12-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/2021 I was pressured by dealership to buy more cars when i came to buy XXXX but due to the fact they ran my credit without my authorization XXXX times and I had approval from XXXX bank they insisted I dont let the approval go to waste and use them all. I said it didnt make sense financially but they used high pressure sales tactics and mislead me to believe that i was essentially required to do so. I sent out a letter of rescission, a list of my right that was violated, and asked for debt validation. certified mail said the letters was delivered but still no response

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 2022-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NH

Complaint narrative:
Experian Credit Bureau Creditor notified 3 credit bureaus that credit report ( s ) incorrectly showed a charge off on the account and that there was no charge off and account was paid and o balance owing. 
XXXX and XXXX updated their reporting and changed the credit score.

Experian incorrectly updated their reporting and continue to show a charge off and late payments. 
All efforts to dispute their actions and properly update the account reporting have failed

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 2022-12-21 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: IA

Complaint narrative:
Transunion is inaccurately reporting on XXXX XXXX XXXX Account # XXXX They are reporting the account status as open when in fact it is closed. There inaccurate reporting violates FCRA and must be removed 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 2022-12-21 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I requested a method of validation on XX/XX/2022. The collection agency has yet to respond. I am requesting a deletion of these accounts from my consumer file. They are reporting " Unverified/inaccurate information '' which is a violation of Section 623 ( a ) ( 1 ) ( A ) & ( B ) ; and Section 623 ( a ) ( 8 ) ( E ) of the FCRA. I was not notified of the investigation status if there is one.

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 2022-12-21 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: MI

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 XXXXXXXX has violated my rights. 

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 2022-12-21 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: MI

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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

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 2022-12-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: FC HoldCo LLC
State: TX

Complaint narrative:
I purchased a new car back in XXXX of 2022. My credit score was about XXXX at the time of the loan. I was given a loan at a very high rate, almost XXXX, for a XXXX  XXXX XXXX XXXX. On more than one occasion, I requested Flagship credit acceptance to stop calling my job. i am behind on payments because my husband was in an accident, and they were informed. They call my cell phone almost every 10 mins, as well as calling my job and leave messages. My payments are due about he XXXX of the month, and they start calling on the XXXX and start harassing me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 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: GA

Complaint narrative:
Hello, My name is XXXX XXXX. I have gathered the following information from my Equifax, XXXX, and XXXX credit reports. 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 ) XXXXXXXX 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 XXXXXXXX ) ... all have violated my rights as listed below.

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 explanation
Consumer complaint received 2022-12-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: SYNCHRONY FINANCIAL
State: HI

Complaint narrative:
I am trying to withdraw funds ( {$15000.00} ) from my IRA Account with Syncrony Bank. I filled out the appropriate paperwork and Faxed it to them on XX/XX/XXXX and then also E-mailed it to them on XX/XX/XXXX. I still have not received the funds. 

I have called 10 times and spoken to a Customer Service Representative. One told me the money would be in my Account on XX/XX/XXXX and it was not. On another call a Representative told me it would be in the account on XX/XX/XXXX. It was not. 

Another employee told me they were totally understaffed in their IRA Department. 

Today I called and the Representative named XXXX said I should wait a week and if it hasn't gone through to submit another form. She said Syncrony has been trying to contact my bank XXXX XXXX XXXX XXXX XXXX to verify information but has been unable to. 

At this point I need the money to live on and to make purchases. I will now have to get a Credit Card advance to pay my bills which will cost me {$280.00} and if the money isn't in my account by the end of the year it will adversely affect my taxes. 

It is inappropriate to not be able to access one 's funds for nearly a month. I appreciate any help you can provide.

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 2022-12-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Firstsource Business Process Services, LLC
State: OH

Complaint narrative:
Starting XXXX  XX/XX/2022 and then XXXX  XX/XX/2022 this company called and told me to call back at this number : XXXX and they had the words " I repeat '' in the message. They would not say why they are calling and when I called them to ask them if they were legit, they paused but then when I was transferred to another person, they would not say their name. They only said an extension. The person 's last name was XXXX and when I researched the name of the company, that phone number did not pop up a totally different number did. The company name was First Source Advantage, LLC. I have no t gotten any notice of one of my credit card accounts being charged off to a collection agency. This needs to be stopped. I did have an XXXX account that does need to be paid off but I have not gotten any further notice regarding further collections on that account.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 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: EQUIFAX, INC.
State: AL

Complaint narrative:
First off I am a real person not a 3rd party person or company but I'm and a 2nd year LAW student who is studying consumer law so I know a little bit about what I'm speaking about. In accordance with the Fair Credit Reporting Act the following accounts are a violation of my rights under section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days upon notification from the consumer. It also states a consumer reporting agency CAN NOT furnish a account without my WRITTEN consent. No consent is identity theft. FEDERAL LAW OVVERIDES any company policy! 

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 XXXX

Company response to consumer: Closed with explanation