vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I was affected by the XXXX data breach. Dates ranging back from XXXX to XXXX. Amounts totaling up to XXXX. My information was sold and bought illegally because I was a victim of the XXXX XXXX XXXX. I want these items deleted from my credit report effectively iimmdiately.Iam attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX hasnt done anything. Please help me delete all of these illegal negative accounts in which I was effective. All three Credit Bureaus include XXXX, Experian and 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 2024-01-22 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
On XX/XX/XXXX, I received an alert from the credit card company Barclaycard US that potentially fraudulent transactions had been charged to my account. I logged into the app to check recent transactions and confirmed that the pending charges were not purchases I had made. I also noticed another transaction from a week prior, XX/XX/XXXX that I had not made. I immediately called the company and confirmed that the flagged transactions were fraudulent and that the other transaction from XX/XX/XXXX was also fraudulent. This transaction was from a merchant called " XXXX '' in XXXX  and was for {$2500.00}. The XXXX transaction, as well as the other fraudulent charges, were reversed. My current card was cancelled and a new card was mailed out. 

This month, on XX/XX/XXXX, I was checking my transactions in the app when I noticed that the XXXX transaction had been charged to my account again on XX/XX/XXXX. I immediately called the company and was notified that they had determined that I was at fault for the transaction based on records that the merchant had provided. I was never contacted for details about this transaction, nor to confirm or dispute the supposed evidence the merchant had provided. This charge was indeed fraudulent. I have never purchased anything from this merchant, and have not received any goods or services from this merchant. During this phone call with customer service, I requested that any documents they used to make their determination be mailed to me. As of today, XX/XX/XXXX, I have not received anything. Additionally, I was told that this case would be re-opened and reinvestigated, however the charge is still on my account, and I am being charged interest on this charge, for which I am not liable.

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 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have not supplied proof under the doctrine of estopp silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, XXXX presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists

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 2024-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
1. On XX/XX/year> morning I wanted to make a transfer, but I couldn't gain access into my app. Tried in the afternoon, same thing. Couple of hours later I tried via my laptop browser, same issue. I assumed it was a network issue. Moments later, I received a notification from XXXX XXXX, stating that my WellsFargo App has been disconnected from XXXX. 

2. I feared my account had been hacked and I promptly called WellsFargo customer service. 

3. After much transfers, I finally spoke with a XXXX in Loss Prevention unit. He said they decided to terminate the banking relationship due to suspicious activities on my account which they deem risky. So, they decided to shut my account and will on XX/XX/year> send me a check for any balance therein. 

4. I asked for specifics. He said they observed that the account routinely received XXXX payments which I used up almost as soon as it hits my account. 

5. I asked if there's any rule that stipulates how long funds should stay in my checking account before being used. He said there's none, but they considered my activities suspicious, and risky to their operations. 

6. I asked if they : A. Deemed it fit to seek explanation from me about their observation. 
B. Realize that over 95 % of those XXXX transfers were made from my personal salary account with another bank. 
C. Deemed it necessary to notify me in advance, about their decision to shut my account, or indeed, notify me after it had been shut. 

7. To each of these 3 questions, his curt response was : " That's no longer relevant at this point, we have decided to terminate the banking relationship ''. 

8. I then said fair enough, you can choose who to do business with. However, you can not ( without a court order ) hold on to my funds for 2 weeks under any guise. 

9. He responded : " I'm not going to entertain any argument with you on this, the decision has been made ''.

10. I said okay, asked for his name, and thanked him for his 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 explanation
Consumer complaint received 2024-01-22 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: Synovus Bank
State: TX

Complaint narrative:
Per Fair Credit Reporting Act FCRA as a FEDERALLY PROTECTED CONSUMER, I am now opting out of ANY AND ALL authorization, I the consumer may have given you written, verbally or unwritten or nonverbal per 15 USC 6802. 




Best, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
see attached letter. I have also attached identity theft report as well.

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 2024-01-22 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: Panorama Mortgage Group, LLC
State: TX

Complaint narrative:
Per Fair Credit Reporting Act FCRA as a FEDERALLY PROTECTED CONSUMER, I am now opting out of ANY AND ALL authorization, I the consumer may have given you written, verbally or unwritten or nonverbal per 15 USC 6802. 




Best, XXXX XXXX XXXX XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I CHECKED MY CREDIT REPORT AND NOTICED I HAD UNAUTHORIZED COLLECTION FROM XXXX XXXX XXXX XXXX WITH ACCOUNT NUMBER : XXXX, XXXX OPENED ON XX/XX/XXXX, XX/XX/XXXX FOR {$1500.00} and XXXX ON TRANSUNION, XXXX ACCOUNT NUMBER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ON XX/XX/XXXX. XX/XX/XXXX FOR {$1500.00} AND XXXX ACCOUNT NUMBER : XXXX ON XXXX  ON XX/XX/XXXX FOR XXXX and XXXX. THAT I DO NOT RECOGNIZE I BELIEVE SOMEONE MAY HAVE APPLIDED FOR SOME THINGS IN MY NAME AS FRAUDULANT.

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 2024-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2024-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I called my bank Truist to make a few disputes. They did not give me any disclosures regarding the disputes. XXXX of my disputes that I have proof and receipts for was denied, and I asked for Truist to reassert and reopen my dispute, and they said that they could not I believe it is my right to dispute a transaction simultaneously, they even referred me to the merchant. I filed a complaint that day they should have it in their system. Currently I do not see that they filed the new dispute that I asked them to.

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 2024-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
see the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2024-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION
State: WV

Complaint narrative:
This account was closed as a result of the paper statement fees that Truist charged to put my account into the negative. It was not because I overdrawn my account. Received a letter that company closed Truist One Checking Account that was opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX. From the letter the balance due was {$38.00} and that includes a {$30.00} charge-off account fee. My parents set up automatic deposits to my account every XXXX weeks of {$100.00}. I was unable to access my information through automated banking and was unable to set up online banking.. 

I called the Truist Recovery Department on Monday, XXXX XXXX XXXX and spoke with a XXXX XXXX XXXX XXXX  ). Inquired on why the account was closed when it was a new student banking account. XXXX informed me that after 30 days the system will automatically closed the account. I stated that {$6.00} of the overdrawn amount was the {$3.00} fee charged for receiving paper statements. ( I am enclosing statement showing that statement fee increased the amount ) I asked about the negative reporting of " closed unsatisfactory '' status that the letter stated would be sent to specialty check reporting agencies. I stated that I am XXXX XXXX XXXX first checking account and that they were trying to ruin my credit over {$8.00} which was only {$5.00}. Account history will show that no excessive use to overdraw the account. 

I asked to speak to a supervisor and was denied by XXXX. He said the company policy was to advise client to wait 24-48 hours to speak to a supervisor. I then verified that XXXX was indeed denying me the opportunity to speak with a supervisor. He said a payment had been made for {$38.00} and the account was permanently closed. I stated no one has remitted payment but that automatic deposits have been sent to my account. I then asked where the remainder of the funds were and XXXX was unable to provide me an answer. He said he would send a letter to my email address stating the account was paid and closed. I have not received the letter. 

I asked again to be transferred to customer resolution or the Presidents office because I wanted to formally complain and XXXX said he could give me a number to call but that he could not transfer me. He gave me the number of XXXX 

This closure of my account was not my fault and now it can affect my ability to open a checking account in the future and have negative impact with check reporting agency. And the {$30.00} fee that was charged ridiculous also considering that Truist increased the negative amount by charging {$3.00} paper statement fee

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 2024-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
On XXXX XXXX, I contacted PayPal customer service to report unauthorized charges linked to my credit card. 

This has been going on since XXXX  and I just decided to review my XXXX XXXX credit card ending in XXXX. 

I was told that PayPal would open and investigation. 

Then I called today and was told since the fraud charges were beyond 180 days their was nonthing going to be done. 

Then PayPal emails someone was changing the disputes from unauthorized fraud charges to items not received. 

I asked why was I seeing these emails and they said they have no idea.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: MO

Complaint narrative:
Purchased refrigerator XX/XX/year>. Repairs needed failed so XXXX Customer Service agreed again to repair without charge and suggested buying a warranty extension due to the issues. I authorized charging my Discover Card for the warranty extension. When I got my Discover bill they had also charged for a repair part. I was never asked for payment when the repair was made, I never authorized charging my card for a part either orally, in writing, or by signature. No charge to my Discover card appeared on the receipt evidencing the repair. I assumed that XXXX took care of any charges as they had agreed. But a charge later appeared on my Discover bill. I disputed the charge. Discover ruled in my favor and later reversed. They took XXXX 's word for it, apparently not bothering to listen to Customer Service 's recording of my conversations or requiring any proof that I had authorized the charge. So, after 37 years of using my card for thousands in purchases and without incurring any interest or finance charges, I cancelled the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XX/XX/2023 XXXX  XXXX XX/XX/2023 XXXX XXXX  XX/XX/2023 I am reporting a fraudulent inquiries found in my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
My debit card was lost or stolen and used for the amount of XXXX. Bank of America refuses to credit me back this amount that was stolen from my account. My card was being used in a state Ive never been, from XXXX to XXXX. The claim had been denied twice, Their reasoning is that my pin was used, I have no idea how my pin was used but it is 2024 there is many ways scammers are able to infiltrate information to compromise accounts. They did no real investigation and simple went based off of the pin being used, Ive provided all the information and documents needed and still got nowhere with these people, XXXX completely sick and fed up with this company and will be closing and filing suit. They also said that I funded the fraud because I received a XXXX  payment in proximity of the time called to make them aware of the fraud these people are inconsiderate and have no grasp on real life. I was targeted for fraud and was unjustly denied my claim because they believe that it had to be me because the pin was used. 12 year relationship with this bank and this is what happens. I will close my account and file suit.

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 2024-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I was billed for an optional program labeled " card security payment '' I never approved nor knew about. 
Total fees billed for the program since enrollment ( XX/XX/year> ) was {$1500.00} and I asked to refund these totals. Only {$220.00} was returned.

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 2024-01-22 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: NV

Complaint narrative:
see all letters I have attached

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 2024-01-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
THIS MEDICAL BILL SHOWED UP A YEAR AND SOME MONTHS AFTER INCIDENT I HAVE MEDICAL INSURANCE AND XXXX XXXX XXXX HAVE HAD PROBLEMS GETTING IT BILLED CORRECTLY IN THE PAST HOWEVER WHEN ASK WHAT THE CHARGES WERE? FOR THE STATEMENT ON THE BILL REFLECTED SERVICES RENDERED THATS ALL AND ALL I I CAN GET OUT OF THEM UNACCEPTABLE I NEED TO KNOW WHAT IT WAS AND WHY IM BEING ASK TO PAY. MY INSURANCE HAS NO RECORD OF THIS BILL?? AND ASK ME TO GET INFO SO THEY COULD CHECK ON THEIR END NO INFO JUST BILL NOW ITS TWO YEARS SINCE A DATE OF XXXXXX/XX/year> IS ON BILLS I DONT RECALL BEING IN HOSPITAL BUT I DONT KNOW WHAT THIS ALL ABOUT IT COULD BE SERVICES NOT COVERD BY INSURANCE BUT I NEED INFO BEFORE I JUST CUT A CHECK LIKE A FOOL.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 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: SC

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 2024-01-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: KY

Complaint narrative:
I received a letter from TrueAccord stating they were trying to collect a debt I owe to XXXX XXXX XXXX XXXX in the amount of {$990.00}. I have never had any contract, services, or any business with XXXX XXXX XXXX XXXX. I have never received any bill from XXXX XXXX XXXX XXXX for anything. I contacted XXXX XXXX XXXX XXXX and they have no records of me ever having an account with them or owing any money. I am going to email XXXX informing them of the provided information and the debt is not mine. I am also going to request in the email the name and address of the original creditor.

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 2024-01-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Client Services, Inc.
State: NJ

Complaint narrative:
I was making payments. I don't understand why my payments stopped. I would love be given another opportunity to start a payment plan on my debt. 

Reference number XXXX

Company response to consumer: Closed with explanation