vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
Hi- I wanted to close an account I had at Bank of America. I had a low balance {$150.00} in a small business account. My business closed. I was slow to close my account because I was under the impress the money would just sit there until I called and closed it. 

BofA proceeded to charge me a NUMBER of fees ( approximately {$30.00} a month ) until the balance was down to ~ {$50.00}. I called BofA multiple times asking them to PLEASE close my accounts. They made the process INCREDIBLY difficult. I was transferred a million times, I was put on hold then hung up on, I was told I had to transfer out the money to close it. I told them, " KEEP MY MONEY. I DONT CARE. JUST CLOSE THE ACCOUNT. IM SICK OF THIS. '' They mailed me a check for the balance in the account, but didn't close my accounts for months. I chatted with them today and the person on the chat told me I OWED THEM MONEY. SPECIFICALLY {$4.00}. AND THEY COULDN'T CLOSE THE ACCOUNT until it's in good standing. Her name was XXXX XXXX. Then I pointed out I had a {$8.00} balance still so they can ( 1 ) refund me for all the charges they've been charging me and that should provide a balance more than ample enough to cover the {$4.00} or ( 2 ) use the already existing {$8.00} balance. 

The person on chat kept saying " confirm you want me to close the account '' and I'd say " yes! '' and they'd ask again " are you there '' and " can you confirm ''. I'd say yes a million times! Then I'd point out, " I have an {$8.00} balance '' and they'd said " you do and this is collections ''. I had to ask like five times if it was a bot because they were being so nonsensical. 

I just want to close my account and never EVER bank with them again. I don't care about getting all my fees back or my remaining balance. I just want my accounts closed. 

But BofA deserves a class action and fine for this because I can't even imagine how many people this happens to in a less fortunate situation than me who are being robbed, fined, and treated like this by BofA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
From the very begining I could not use money people sent to me for anything. But I was using the service to pay frinds, family and small businesses primarily so I didn't really care. 

Eventually the sum of people sent me was over {$250.00} so I tried to transfer it to an online savings account. As soon as I tried to transfer they suspended my account. That was over two months ago. They then asked for a copy of my drivers license. I did not feel comfortable giving them that info so I just stopped using their service and said goodbye to the $ XXXX balance. 

Now, I have a friend who can only accept Venmo. So I uploaded my drivers license but I've heard nothing. At this point I think they are running a scam. 

Please look into thes shady business practices. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Klarna AB
State: FL

Complaint narrative:
I made several purchases from XXXX and I have attached the order numbers stating I should have gotten a refund for the items I returned! I got XXXX total emails but refunds and I only received refund for XXXX so I attached the ones I did not receive credit from. These are multiple orders- the company allows you to make XXXX return from multiple orders. This is what I did but have not gotten credit yet! KLARNA told me on several occasions my case was escalated to a XXXX a week ago but nothing has been done yet. The rep I spoke to today stated to call XXXX which XXXX told me over XXXX weeks ago they informed the company of my returns and that KLARNA would need to push the credits through! Please do not allow them to keep my money for products I sent back to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 00:00:00
Product: Credit reporting 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: LA

Complaint narrative:
XXXXXXXX XXXX account Acct # XXXX was charged off in ( XX/XX/XXXX ) .I have requested the 1099c to support the charge off and it has not been sent. I have dispurted this account as well with the credit bureau and it comes back verified or updated. According to the Fair Credit Reporting Act ( FCRA ) and Code 15 U.S.C. 1681e ( b ), income that has been reported to the IRS via a 1099-C can not also be reported as a delinquent debt on a credit report. This is further supported by the ruling in XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX. Attached is also the dispute filing in XXXX. Per a CFBP compliant decision on XX/XX/XXXX XXXXXXXX XXXX decided to delete this account from my credit. The only bureau it has been deleted from currently is XXXX. Ive been requesting to have this deleted from XXXX and Transuion but I keeps coming back after the compliant is filed as verified This is my 3rd compliant request the XXXX  account be removed from XXXX and Transunion per the decision made by XXXX on XX/XX/XXXX. Attached is proof that this account by XXXX was suppose to be deleted per a final decision made by XXXX XXXX XXXXXX/XX/XXXX. It has not been deleted and still shows on all 2 of the credit bureau.

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 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: DE

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 00:00:00
Product: Credit 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: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
On XX/XX/XXXX, I made a payment of {$5100.00} to XXXX Rooter Plumbing for plumbing work to be performed at my property located at XXXX XXXX XXXX, XXXX IL XXXX. This payment was processed through SYNCHRONY BANK / XXXX XXXX XXXX. 
Unfortunately, despite the payment being made, XXXX XXXX XXXX never show up to complete the agreed-upon plumbing services. I have made repeated attempts to contact the company to schedule the work, but they have been unresponsive. 

On XX/XX/XXXX XXXX XXXX XXXX owner of the Plumbing Company agreed to refund the full amount since no services were rendered as shown in text chat and the email letter from him. 
I contacted SYNCHRONY BANK / XXXX XXXX XXXX multiple times to explain the situation and request a reversal of the payment. I spoke with customer service representative and submitted a dispute claim with them at least 5 times, lastly on XX/XX/XXXX XXXX, Bank has denied my request, stating the following reason : We have received no proof that a credit is due on the account from you and or the merchant.

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 2025-01-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
XX/XX/XXXX at XXXX my bank ( XXXX XXXX XXXXXXXX XXXX reviewed the invoice and sent a wire transfer {$49000.00} to a Wells Fargo Bank in care of XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX for the purchase of a XXXX XXXX XXXX. XXXX # XXXX Vehicle was to be shipped on a car Hauler From XXXX XXXX  to XXXX  and delivery was planned for XXXX in the afternoon at a local XXXX. 

The XXXX hauler truck driver sent us a picture of the vehicle loaded on the XXXX. We spoke with driver on the XXXX and said he was in Nebraska and still looking like delivery on the XXXX. 

Was not able to get ahold of driver on the XXXX or XXXX. 
XXXX - call XXXX XXXX XXXX and they said the driver got into an accident and was in the hospital, We asked for them to wire the money back as well as provide a police report. They said the accident was on route XXXX in Nebraska, we could not find a route XXXX anywhere in Nebraska. 
Communication with them was no longer available, they shut down phones, website, etc. 

XXXX We called our bank to recall the wire transfer. 
XXXX We filed a police report with our local XXXX XXXX XXXX XXXX XXXX We called the Police department in New Mexico XXXX XXXX business was located to see if it was a real place/ business... they reported back and said it is XXXX We Filed an XXXX report with the FBI XXXX Wells Fargo sent us back XXXX was left of the wire transfer for a grand total of like {$45.00} today. 
XXXX We hope to hear back from an FBI XXXX to see if he is able to take this case.

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 2025-01-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc
State: PA

Complaint narrative:
I booked a hotel with XXXX XXXX XXXX XXXX XXXXXXXX XXXX and XXXX for XXXX XXXX XXXX, XXXX and paid in full through Affirm installment loan for {$740.00}. On arrival the hotel would not accept this reservation or payment. To secure the reservation I then had to pay AGAIN with my XXXX XXXX credit card. I contacted The Reservation Desk XX/XX/XXXX at their toll free number XXXX. They are not providing any refund and stated it is up to Affirm to provide the refund. Affirm was also been contacted XX/XX/XXXX and stated they will open a dispute and I can expect a resolution in XXXX days. I contacted Affirm again XX/XX/XXXX, and they stated there was no response from the merchant and another 30 days is required.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My information was exposed in a data breach and I have had multiple inquiries and accounts opened since XXXX I reported the problem and still nothing has been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My information was exposed in a data breach and I have had multiple inquiries and accounts opened since XXXX I reported the problem and still nothing has been removed.

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 2025-01-03 00:00:00
Product: Credit reporting 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:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. 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. I did not provide written consent to report them. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I am not liable for this debt with pro collect a contract was not provided as requested

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 2025-01-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Revenue, Inc.
State: PA

Complaint narrative:
I used to be enrolled at XXXX XXXX XXXX. I dropped an online course at the beginning of the session due to my busy work schedule. They never told me that I would have to pay XXXX for an online class if I dropped out. I pleaded with them to remove the charge but they refused. They sent it to collections ( XXXX XXXX ) and I want it to be removed from my credit report as I have never missed any other payment, but I wont pay this XXXX as I feel it was fraudulenet and deceived.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Bridgecrest Acceptance Corporation
State: IL

Complaint narrative:
I XXXX XXXX XXXX I'm writing this Bridge Crest off my name they had a A repo on my name im try to remove the amount was {$10000.00} and the date XX/XX/scrub>XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: GOLDMAN SACHS BANK USA
State: MA

Complaint narrative:
This complaint addresses Goldman Sachs 's ( GS ) misleading response to my previous CFPB complaint ( # XXXX ) and their predatory actions. Their response attempts to retroactively justify their retaliatory cancellation of my 0 % APR financing agreements for XXXX products, and their forcing of my remaining balances onto high-interest credit card debt. 

The documentation clearly shows GS 's actions violated my financing agreements and consumer protection laws. On XX/XX/XXXX, XXXX improperly charged {$130.00} in interest when my ACH payment was returned. They added {$84.00} in trailing interest on XX/XX/XXXX. After I filed CFPB complaint # XXXX, XXXX reversed these interest charges on XX/XX/XXXX, but then immediately took retaliatory action by unilaterally cancelling my 0 % APR financing agreements on XXXX XXXX products. 

GS claims my XX/XX/XXXX payment of {$3800.00} plus interest credits ( {$220.00} ) was intended to pay off my remaining installment balances. This is categorically false and misleading. 

My Apple Card statements and screenshots clearly show : - XXXX XXXX XXXX ( {$1500.00} ) : Was on Payment XXXX of XXXX ( $ XXXX ), due to continue until XXXX XXXX XXXX XXXX XXXX ( {$120.00} ) : Was on Payment XXXX of XXXX ( $ XXXX ), due to continue until XX/XX/XXXXXXXX XXXX XXXX XXXX  ( {$1700.00} XXXX XXXX Was on Payment XXXX of XXXX ( $ XXXX ), due to continue until XX/XX/XXXX By unilaterally marking my installment plans as " Complete '' and rolling the remaining balances onto my credit card, XXXX has : XXXX. Violated the terms of my 0 % APR financing agreements ; XXXX. Forced me to either immediately pay the full remaining balance or be subject to their 21.24 % variable APR ; XXXX. Converted what was contractually 0 % APR financing into potential high-interest credit card debt ; XXXX. Eliminated the payment flexibility that was a key benefit of these financing agreements ; XXXX. Demonstrated clear retaliatory behavior following my legitimate CFPB complaint ; Their actions effectively transformed my 0 % APR installment loans into high-interest credit card debt without my consent or any legitimate basis. This forced conversion of zero-interest financing into XXXX  % APR debt represents a clear violation of both my financing agreements and consumer protection laws. 

These actions clearly show a pattern of misconduct following my original CFPB complaint about improper interest charges. 

I have attached all relevant documentation, including account statements and screenshots showing the installment plan status at the time of GS 's actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am currently reviewing my Experian Credit report and there are addresses reporting on my credit report that are not mine. 
Below is a list of addresses that I would like to have permanently deleted : XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief