vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: AR

Complaint narrative:
This is regarding the closure of my checking account without adequate reasons. I strongly believe that the reason for the closure appears to be discriminatory and racist. 
On XX/XX/XXXX, I received a notification stating that my checking account with US Bank had been closed. However, the notification did not provide any clear reason for the closure except that in accordance with the your deposit agreement and general terms and conditions disclosure. I called customer service to inquire about the reason, but no one was able to provide me with any satisfactory explanation as to what the issue is and what went wrong. 
I have been a loyal customer of US Bank for many years and have always made timely payments on my credit card and kept my accounts in good standing. Therefore, I am shocked and dismayed by the sudden closure of my account without any explanation. 
Furthermore, I can not help but feel that the closure was based on discriminatory and racist motives. As a person of XXXX origin, I have often faced discrimination and prejudice in various aspects of my life. I strongly believe that the closure of my checking account is another instance of such discrimination. 
I request that US bank provide me with a clear and valid reason for the closure of my account. Additionally, I demand that US bank address any discriminatory practices within their organisation and take appropriate action to prevent such incidents from happening in the future. 
I hope that this matter will be addressed in a timely and appropriate manner.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 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: AZ

Complaint narrative:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

2. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

3. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 

4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX  Account Number : XXXX Delete this account. 

5. This Account is in Violation Of 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy this Bankruptcy shouldn't be on my credit/consumer report XXXX XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 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: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
After reviewing my credit profile XX/XX/2023 identified a discrepancy with accounts listed under MIDLAND CREDIT MANAGEMENT and validation was requested as this was an account that i did not recognize. I reviewed my credit report again on XX/XX/2023 and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 3rd validation letter was sent out on this day. After reviewing credit report XX/XX/2023 there have been no updates and account is still reflecting on the report. I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please stryke and remove his account from all 3 credit bureaus until adequate validation has been received proving that they account belongs to me and all information is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WV

Complaint narrative:
In late summer XXXX, I called Bank of America to close a Visa Signature Premium Awards credit card ( ending in XXXX ). I paid my final balance in XXXX XXXX. The company did not close the card as requested and charged me a {$95.00} annual fee a few months later. As I was not expecting bills from this company and they were going electronically to an old email account, I did not see that I had a bill until a few months, when interest had accumulated and my credit report was negatively affected. I called Bank of America again and they told me that they had no record of the account closing and the account was still open. I paid the balance immediately to avoid further negative credit consequences and again asked to close the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I requested the card several time and never received it. As a final attempt, I called in XXXX for the card to be sent to my new resident and they seem to have mixed up my accounts as I do have several credit card accounts with them but I never got it and the account was closed due to non use ... .How do I use an account I don't have the card for. Anyhow I called to see what had happened and they advised that they sent it out and it was undeliverable because they didn't have my unit number and they then closed the account. I feel they should have took into consideration that I have been trying to get the card to use the account they fail to successfully send the card. The mangers I spoke to show no empathy and didn't investigate my other accounts to see how many times they replaced my other accounts credit cards when they were supposed to replace this specific one. Very frustrated by this as it affected my credit, their policy only protects them!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
My Payments are due on the XXXX of the month, and on XX/XX/XXXX I noticed I was charged a late fee in XXXX even though I paid on the XXXX of the month. On XX/XX/XXXX I logged on to make a payment and I noticed that in XXXX, again I was charged a late fee. I called TJX Rewards  @ XXXX and I asked why I was charged a late fee again when I make my payments early NOT late. I was told they can not reimburse my or credit my account as they can only do that ONCE per year. I shared that their automated attendant suggests you make your payment 7 days early and I make them about XXXX to make sure they are posted and they are posted, so WHY do they keep charging me a late fee? 

I would like an audit of my account and for TJ-Maxx to realize they are erroneously charging me and to credit my account. I can not see XXXX statements, and I don't ' know how long this has been going on. I don't know if they are reporting me to the credit agencies. I will check my credit. Thank you for your assistance.

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 2023-05-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: AZ

Complaint narrative:
Dear Sir/Madam, I am writing to dispute a billing error that occurred with Toyota Financial Services . In XX/XX/2023, I set up automatic bill payment for my Toyota car loan, but apparently, the setup was not correct. Unfortunately, I was not aware of this issue until recently because I have a separate account where I transfer the exact amount of money to cover all automatic payments. Therefore, I do not usually check my billing or bank statements on a regular basis when I have autopay set up. 

I am disappointed to report that Toyota Financial Services did not contact me by email or phone to inform me that my payments had not been posted. When I contacted them, they explained that they could not help me, and I would have to dispute the issue with the credit bureau. However, I was able to open one of my statements for Toyota, called them, and made a payment to bring the account current. 

I am writing to request that the credit bureau investigate this issue and correct any errors on my credit report. I believe that Toyota Financial Services should have had a process in place to contact me if there were any issues with my billing, especially since I had set up automatic bill payment. 

I hope that you can help me resolve this issue quickly and satisfactorily. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: IA

Complaint narrative:
In XX/XX/XXXX  I switched Auto Insurance companies from XXXX XXXX to XXXX. The reason I switched of course was for a better deal. I paid XXXX {$150.00} XX/XX/. I stopped autopay to XXXX XXXX. I received a letter from Credit Collection Services XXXX XXXX XXXX XXXX, MA XXXX Phone XXXX stating As of XX/XX/XXXX  I owed XXXX XXXX  {$150.00} The letter stated I could call to dispute the debt. I did and the rep just said I owed it but I can send in documentation to dispute it. I asked what will they do with the documentation he said send it to XXXX XXXX. The also threatened to report adverse credit on me if I don't pay it. This isn't right insurance companies are not credit lenders, they offer a service and you have to pay up front to obtain coverage. If I switch now I owe you, that's outrageous and has to be illegal. Can someone with some authority tell these boys to back off XXXX XXXX Account Number XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
sent letters & made calls daily

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 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: GA

Complaint narrative:
I sent a letter to Equifax explaining inaccurate accounts appearing on my credit report was not mine and to remove it immediately. They have failed to respond to my request in a timely manner. I want it removed now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 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: Southwest Recovery Services, Inc.
State: TX

Complaint narrative:
A collection account was added to my credit report XX/XX/2023 by Southwest Recovery Services. The original creditor informed me I would not be responsible for this bill and it had been made in error, shortly after the bill was later turned over to a collection company for the amount of {$1100.00}. I spoke with the company stating that I was told I was not responsible for this bill by the original creditor for which they responded it was too late now and I needed to pay it. I proceeded to dispute this charge on my credit report but I feel they did not do a thorough investigation and allowed the charge to remain in collections. 

I would also like to complain about the following companies reporting late payments after payment arrangements were made with their reps. I was told due to hardship late payments would NOT reflect on my report and reporting would be remain in good standing. The following companies did not honor that : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
The account stated below are still reporting on my credit report despite numerous written requests, which is against FCRA. The 3 Credit Bureaus continued to report the unsubstantiated & unverified information despite failing to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time frame required by law, failing to adequately examine the situation by using a third party as their verification source. I've tried to address this directly with 3 Credit Bureaus, but despite my efforts, they have been deliberately neglectful and in violation of federal law. I need this situation to be resolved right away. Please delete the listed account from my file. 
XXXX XXXX XXXX Balance : {$890.00}.

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 non-monetary relief
Consumer complaint received 2023-05-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
My card information and debit card was stolen and someone spent XXXX unauthorized charges on my account. 
Today they sent me a letter denying my claim, telling me that they believe the transaction was made by me or someone authorized by me. This is clearly a mistake so I called them, and they said that the decision is final and could not be changed nor appealed. I am currently out all my money and Wells Fargo will not help me. Please help me get my money back. I'm crying for help at this point.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRUIST FINANCIAL CORPORATION
State: MO

Complaint narrative:
I had to report this evil organization summer of last year. It was resolved after a very diligent man from your office contacted them. The company had charged off the account and The lien was removed from my house. However, as of last month they have decided to start reporting late payments of 120 days again to credit bureaus. So it was removed and closed, now they have reopened it and it's starting all over again. Their most recent report cost my credit score to decrease XXXX  points. This charged off account is now up to 9 years old and still being reported as 120 days pd. Please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 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: NV

Complaint narrative:
I filed a 604 with all agencies..I have disputed many times and they do nothing but put it back under section 604 and 15 USC 1681 and its subsection they have violated my federal and state rights and caused me harm and financial hardship. 
1. XXXX credit inquiry on XX/XX/XXXX and XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Az XXXX 2. XXXX XXXX Inquiry on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX 3. XXXX inquiry on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX 4. XXXX inquiry on XX/XX/XXXX XXXX XXXX XXXX XXXX FL XXXX 5. XXXX XXXX XXXX XXXX XXXX  inquiry on XX/XX/XXXX XXXX XXXX XXXX XXXX NV XXXX 6. XXXX inquiry on XX/XX/XXXX XXXX XXXX XXXX XXXX DE XXXX 7. XXXX XXXX inquiries from XX/XX/XXXX to XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX CA XXXX 8. XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX request immediately removal of al items from my credit report or financial compensation ordered by the board Thank you XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-09 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: NV

Complaint narrative:
I filed a 604 with all agencies..I have disputed many times and they do nothing but put it back under section 604 and 15 USC 1681 and its subsection they have violated my federal and state rights and caused me harm and financial hardship. 
1. XXXX credit  inquiry on XX/XX/XXXX and XXXX XXXX XXXX XXXXXXXX XXXX Az XXXX 2. XXXX XXXX Inquiry on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX 3. XXXX  inquiry on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX 4. XXXX inquiry on XX/XX/XXXX XXXX XXXX XXXX XXXX FL XXXX 5. XXXX XXXX XXXX XXXX XXXX inquiry on XX/XX/XXXX XXXX XXXX XXXX XXXX NV XXXX 6. XXXX inquiry on XX/XX/XXXX XXXX XXXX XXXX XXXX DE XXXX XXXX XXXX XXXX  inquiries from XX/XX/XXXX to XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX CA XXXX 8. XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX request immediately removal of al items from my credit report or financial compensation ordered by the board Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: LA

Complaint narrative:
Credence Resource Management is trying to collect a debt " on behalf '' of XXXX XXXX from me. This alleged debt is over five years old, so it doesn't look familiar to me. I am not claiming that this alleged debt is fraud or identity theft. I informed Credence Resource Management that I will pay the debt if it is rightfully mine and to validate the debt by sending me the original contract between me and XXXX XXXX with my original signature on it. I also asked that Credence Resource Management confirm that they have legal right to collect on this alleged debt. Credence Resource Management has not sent any documentation with my signature on it nor have they sent me proof that they have legal right to collect on this alleged debt. I have requested this information from Credence Resource Management on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and they have not validated this debt. I have also requested that this alleged debt be validated by XXXX and XXXX twice. I was told by XXXX that the collection agency does not have to provide any information to them and all that is required by the collection agency is their signature stating that what they are reporting is accurate and true. This debt has not been properly validated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The account with XXXX XXXX continued to renew and cause delinquency about account. The account is past the allowed time it stay on credit report. Account is not valid on reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR

Complaint narrative:
On XX/XX/2023 I used my XXXXXXXX XXXX XXXX card to pay off my Bank of America Travel Rewards card. XXXX sent it to the wrong account number. I have contacted both banks at least 9 times. They are both aware of the error but will not correct it. I am being charged for the same amount by both banks. XXXX claims they have notified Bank of America about the mistake. Bank of America says XXXX has not contacted them. I gave Bank of America the wrong account number that it was sent to but they say they cant look it up. It is 2 digits off in the third set of numbers from my account number. I cant keep making payments to both cards for the same amount. Please help me. Im retired and on a fixed income. Thank you for your time.

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