vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
My banking profile was compromised and used against me. My bank disputed the transactions stating it could not have been done since I had my physical card on me. Monies I had paid out for rent, car payments and other important things have been disputed therefore the bank reversed the payments but they went to whoever is doing the fraud leaving me in dire straits. Fake checks were deposited into my account and then cashed out. I was not notified of this fraud and then my account was locked and still is. My banks claim department has been very rude towards me. They are not communicating with me like they should and Ive been a customer with them Chase Bank for years. People are getting around the system and they dont feel it can be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 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 — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
About 2 weeks ago I made a cash advance of {$1500.00} from my old credit card with # XXXX XXXX XXXX XXXX and I reported to its customer service that I had lost this card so they agreed to close this card account and opened a new account which I just received its card yesterday on XX/XX/XXXX wich shown my current balance was {$400.00} due to my payments combined of {$1100.00} made to this account already but today ( XX/XX/XXXX ) my account was posted {$1900.00} as the current balance. I called the Customer Service to dispute it because this amount was unrecognized by me but the Customer Service told me that the amount of {$1500.00} were returned back to my bank checking account. I contacted my bank and had them check back on my bank balance statement but it did not show at all the amount of {$1500.00} were returned like the Synchrony bank Customer Service had told me even one of its member told me on Monday XX/XX/XXXX that the amount of {$760.00} was not returned back to my check account and it was credited to my payment for my credit card. It indicated clearly that Synchrony bank and its employees had committed fraud upon my credit account to cheating me financially and had violated the law of Fair Credit Billing Act and Consumer Rights Act. I would like to request that the CFPB to demand Synchrony bank to recorrect my balance at {$400.00}, to impose {$100.00} XXXX dollars penalty upon Synchrony Bank and suspend its business license for 5 years beginning on XX/XX/XXXX in order to deter Synchrony Bank and other financial institutions from engaging fraudulent activities and to protect the consumers interest. Thank you.

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 2023-04-13 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: CO

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-04-13 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: LEXISNEXIS
State: MI

Complaint narrative:
I'm having an issue with LexisNexis constantly telling me lies, giving me the run around and keep reporting a bankruptcy that I did not provide permission to do so according to the FCRA.

Also under consumer law 15 U.S.C 1681 a1,2, and 3... .15 U.S.C 1681s-2. I called LexisNexis to dispute this issue several times,. On XX/XX/XXXX I sent out disputes concerning the bankruptcy to all 3 credit reporting agencies XXXX XXXX XXXX and LexisNexis along with the letter from XXXX  and my updated information. Almost 2 months pass I called back they said they closed the investigation but I never recieved any mail for it. I called on XX/XX/XXXX and they reopened the investigation so On XXXX XXXX XXXX a representative told me that that they do get there information from XXXX, even after I sent the actual letter I received from XXXX stating that they don't report to anyone. So I asked LexisNexis where are you getting your information from in order to legally report it. But they keep closing out my disputes. But never send me any notifications of the dispute results. I'm just fed up with this issue it's hending my credit and causing damages I keep getting denied for things due to them keep reporting it

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-13 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: AL

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-04-13 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: FL

Complaint narrative:
To whom it may concern I have been a victim of identity theft and my information have been exposed on the Equifax data breach there have been a numerous amount of accounts that i have discovered on my credit reports that need to be deleted and investigated. please send me a updated copy of my information and credit report once information is deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
On XX/XX/2023, I paid using Capital One 's mobile app from my checking account on app, my Capital One credit card ending in # XXXX. 

On XX/XX/2023, Capital One lost my payment. 
On XX/XX/2023, Capital One posted my {$100.00} payment as " '' OTHERS ''. 

This is consumer fraud, XXXX. XXXX business practices. 

I faxed XX/XX/2023 Capital One PaymenXXXX Investigations and they continue to lie, steal and cheat consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 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: MD

Complaint narrative:
I just looked at my consumer report and noticed some accounts I would like to dispute. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. The referenced accounts in the attachment should be deleted.

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 2023-04-13 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: Sequium Asset Solutions, LLC
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S. C 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 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 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: Media Collections, Inc
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S. C 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 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: U.S. BANCORP
State: MO

Complaint narrative:
On XX/XX/23 I applied for a credit card with US bank. I have not received the card as of today XX/XX/23. However, the credit card is already activated as I can see on my online banking. I called the credit customer service, explained situation and asked them to close my credit card. After speaking with 3 different representatives with 3 different phone calls, my account is sill not closed even if they told me they were closing it every single time. I called 4th time and this time they kept transferring my call from one person to another and the credit card is sill not closed. US bank has major security issues with horrible customer support. I will close all my accounts with US bank in person and never use their service again.

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 2023-04-13 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: EQUIFAX, INC.
State: FL

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
In XX/XX/2023, I received a letter from Citi, who I had been with for 40 years, that they were closing my checking account. I have never bounced a check and keep a substantial amount of money in my account. They can not give me an explanation why. In XX/XX/2023 Citi cancelled my credit card. I have paid it off in full each month and never missed a payment. 

I have never been overdrawn. I pay off my credit cards in full monthly. The source of my income is my equities at XXXX. The transfers always were sent from my XXXX account directly to the bank. I am perplexed as to why this is happening and very concerned. The most frustrating thing about it is that they cant give me any explanation. 

The banker at Citibank said that an outside firm, XXXX XXXX XXXX XXXX at the XXXX XXXX XXXX analyzes the accounts and makes recommendations and once the bank is told, they shut down the account and they can not change it. But no explanation of the reason why!

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 2023-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: DC

Complaint narrative:
Problems with TD bank alleging fabricating fraud activity on checking account Disrupting my use of my own available funds, In two separate occasions TD bank fraud department allegedly fabricated fraudulent use of my debit card when no such issue was present Please see following history of TD bank excessively alleging fabricated fraud activities on my checking account.. 

First incident occurred XX/XX/XXXX XXXX ) Case # XXXX Department # XXXX On XX/XX/XXXX TD bank declined a XXXX purchase in the amount of {$65.00} when my checking account had the available funds of {$2000.00} Second incident XX/XX/XXXX XXXX ) Case # XXXX Dept XXXX TD bank declined cvs purchase in the amount of {$26.00} when my checking account had an available balance of {$600.00} TD Deceptive business practices TD bank advertises that they are the most convenient bank. That statement is completely false, I have persistently experienced my debit card purchases declined when there are available funds to cover the purchases.. 

No value for long term customer loyalty TD bank has absolutely no value for their physically challenged senior citizen customers I have been a loyal TD bank customer for 10 consecutive years without no overdrafts or anything else, TD bank has persistently attempted to make me appear as a irresponsible account holder by fabricating these incidents of fraud on my checking account when When funds were available to cover the purchase I made

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Dear Sir/Madam, This is a supplemental to CFPB Complaint Number XXXX filed on XXXX. XXXX  XX/XX/2023, someone who claimed to have called from Wells Fargo resolution team at or about XXXX XXXX, phone number XXXX, and told me that she was recording the call, i : then informed her that i : too will be recording the call, she then told me that she did not consent to being recorded, i : also told her it is either we both record the call, or neither of us would be allowed to record the call, she said that she can not stop the recording, i : then informed her that i : too will not stop the recording. She then asked me for the last 4 digits of my trust 's social security number, i : told her that i : do not need to supply her with that, but i : can tell her that i : did complain to CFPB about the misconduct of Wells Fargo in concealment at 18 USC 2071 -- concealment, and Wells Fargo 's being in contempt of the writ for not returning the writ and must show cause why i : am not entitled to a tort claim to purge Wells Fargo 's contempt for not returning the writ. i : also told her that i : welcome an opportunity for Wells Fargo 's amicably furnishing the particulars specified in the writ, without involving any additional government agencies -- CFPB, Court, etc etc. i : reminded her that concealment is a criminal offense and Wells Fago can not use a false narrative [ that the method of serving the subpoena were not proper, when USPS specifically identifies registered and certified mail restricted delivery is the highest level of service of process, even higher than personal delivery through a process server. She insisted to get the last 4 digits of my trust 's ssn, i : told her she does not need that and i : will not furnish that, and that Wells Fargo must adhere to the power of the writ and immediately without any further delay furnish the required particulars under the power of the writ.

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 2023-04-13 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: GA

Complaint narrative:
In accordance with the Fair Credit reporting act. The List or accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX 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 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 2023-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit reporting act. The List or accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX XXXX XXXX XXXX : # XXXX, 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 2023-04-13 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: NE

Complaint narrative:
From XXXX to XXXX my Co-borrower and I repeatedly made inquiries regarding payment arrangement options as well as requests to have two of my private student loans that I was unable to afford the payments on declared in default. Of the 5 student loans AES services, two have already been defaulted, one is in repayment, and the remaining two are showing as delinquent. The last payment made on either remaining " delinquent '' loan is from XXXX of XXXX. Prior to that, and since that time, no payments had been made in excess of 6 months. Delinquency exceeding 6 months meets the terms of default under the original loan agreements, however neither loan has been deemed " defaulted '' by AES. As a result of this, neither has been turned over for collections or to another agency for repayment. I have repeatedly requested these two loans be marked as defaulted so that I may make settlement or other payment arrangements on them with servicers who will accept less than the full monthly or past due amounts. AES has repeatedly not done so and has provided inaccurate information regarding the status of these loans.

Company response to consumer: Closed with explanation