vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
According to The Gramm-Leach Bliley Act seeks to protect consumer financial privacy and nonpublic personal information which Bank of America is invading my privacy and nonpublic personal information. According to the Gramm-Leach Bliley act I the consumer have the right to opt-out ( which Bank of America NEVER disclosed to me that I have the right to do so ) if I don't want my information shared with certain nonaffiliated 3rd parties. Im exercising my rights to opt-out not to allow Bank of America to have or distribute my Nonpublic personal information. in attachment this is all included in ( NPI )

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 2023-02-09 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: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
In 2019, a check was sent on my behalf to amazon/synchrony bank . This check was cashed, but i was never given credit for payment. The debt was sold the following year.

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 2023-02-09 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: IL

Complaint narrative:
I am in the process of purchasing a new vehicle and in doing so I had to pull my credit reports and found there were multiple inaccuracies that should not be on my credit reports. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. Under 15 U.S. Code 1681e ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I know that under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the account and or the information listed below : XXXX XXXX ACCOUNT # : XXXX I have attached a copy of my ID for identity verification and a bill for address verification.

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 2023-02-09 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Hi, I sent a letter last month, XX/XX/2023, to be exact, it's a dispute letter but It's been over XXXX  days already and I still haven't got any update in any form coming from your company and I am in a bit of a hurry right now. I am aware that the FCRA is requiring the CRA 's response within XXXX  days and I learn on XXXX that I can ask for help from CFPB, XXXX, and the XXXX XXXX XXXX XXXX XXXX so I'm resending the documents that I sent last month for you to look into. Thanks!

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 2023-02-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I used my PayPal credit account to send money to a XXXX page that was asking for money to help pay for my brother 's funeral. The individual who set up this page was one of my brother 's good friends who lived with him. She asked if she could plan my brother 's funeral and my mom and I agreed since we lived a great distance from my brother. As it turned out, this girl never paid for any of my brother 's expenses and took the funds for herself. I paid {$210.00} to XXXX  on XX/XX/2022. When I discovered what my brother 's friend was doing, I contacted XXXX fraud unit to not only get a refund, but also to shut down the XXXX page. XXXX recredited my PayPal account for the {$210.00} on XX/XX/2022. But now PayPal has put a credit limitation on my account saying that I owe them an additional {$210.00} because for some reason they are telling me they are out {$210.00} and that I need to give back {$210.00} to take off the credit limitation. So in other words, I have to pay PayPal for a service or item I never received and was refunded. I've been debating this with PayPal for months and they insist that I still owe them {$210.00} ... for what???

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 2023-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
my address has never changed lately someone took the XXXX off the end of my address and added roa. also iI have never lived in the state of michigan at any time in my life

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 2023-02-09 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: NC

Complaint narrative:
Trans Union release my consumer report without permissible purpose. Creating hard inquiries on 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 explanation
Consumer complaint received 2023-02-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
A refund deposit to my Citi Bank Credit Card Account in the amount of {$17000.00} was made on XX/XX/XXXX due to a cruise cancellation. I requested a refund check on XX/XX/XXXX and was told it would take XXXX business days to process. I subsequently telephoned Citi Bank on XX/XX/XXXX, XX/XX/XXXX, XXXX and again today, XX/XX/XXXX. I spoke with XXXX supervisors who apologized for the delay and that the check was mailed on XX/XX/XXXX. When I did not receive the check on XXXX XXXX, I telephoned again on XX/XX/XXXX and a supervisor told me how Citi completely mishandled this request, apologized for the delays and that the check amount would be directly wired into my checking account within XXXX hours. The XXXX hours have passed and still no funds have been deposited. I followed up with yet another call to Citi Bank today, XXXX XXXX and was told it takes XXXX days additional days for " approval '' for a wiring and then XXXX more days for the funds to be wired. 
This has been a time consuming, frustrating process in which Citi Bank has kept my money for over a month. I am requesting any assistance that the CFPB can provide. 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 monetary relief
Consumer complaint received 2023-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: IL

Complaint narrative:
I went to check my credit report in I saw that the credit bureaus has a report bankruptcy on my credit in it has stopp me from moving in my process into buy a home

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: MT

Complaint narrative:
Since XX/XX/2021 WellsFargo Bank has charged my checking account a $ XXXX monthly service fee. However, each month, I have met one of the three account requirements to avoid this charge. I noticed the money being pulled out this month and thought that was odd since. One of the requirements is that I have a combined balance in linked accounts of {$7500.00}, and each month that WellsFargo has charged the $ XXXX monthly service fee, I have had the required amount or greater.

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 2023-02-09 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Hi, I sent a letter last month, XX/XX/2023, to be exact, it's a dispute letter but It's been over XXXX  days already and I still haven't got any update in any form coming from your company and I am in a bit of a hurry right now. I am aware that the FCRA is requiring the CRA 's response within XXXX  days and I learn on XXXX that I can ask for help from CFPB, XXXX, and the XXXX XXXX XXXX XXXX XXXX so I'm resending the documents that I sent last month for you to look into. Thanks!

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 2023-02-09 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
chase bank has honored XXXX and XXXX 's attempt to freeze my account. I was not aware of any court dates and went to the courthouse to file an order to show cause. following the court date in XX/XX/2022 myself and XXXX and XXXX have come to an agreement. chase bank has been contacted multiple times to release the hold on my account and all documents have been sent by fax by myself and said debt collector. I have been contacting calling parties to resolve the issue for months. chase tells me that havent received anything and up until last week the last person i spoke to from the legal department has told me that they have been denying my all documentation that the debt collector has been sending to them. Chase has received proper documentation from the debt collection agency and will not honor the lien release forn which is a legal document. i have been fighting with chase from XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
Hello, I was a recent Wells Fargo customer, and I moved and changed my contact information and believe that I was impacted by their recent illegal activity for charging incorrect overdraft and insufficient funds fees. My new address and contact information is below. I appreciate your assistance and support! Thank you! 

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 2023-02-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Hi, This is XXXX XXXX XXXX reaching out here because i dont want my bank account to be closed and the bank did not do anything or consider about my case. i feel like i have no right to protect myself and the bank still want to close my bank account even is not my fault thats because of the check deposit bounced and returned to sender and the bank makes me pay for the money thats not even mine and makes my have negative on my bank account. i feel so unfair with this situation and the bank give me no choice.

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 2023-02-09 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: Experian Information Solutions Inc.
State: AL

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 Accounts : XXXX. XXXX  XXXX : XXXX XXXX XXXX. XXXX  XXXX : XXXX XXXX XXXX XXXXXXXX : XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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 relation 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 explanation
Consumer complaint received 2023-02-09 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: VT

Complaint narrative:
In accordance with the fair Credit Reporting act, The List of accounts below violates my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX account # XXXXXXXX XXXX  ACCOUNT # XXXXXXXX XXXX 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 conviction of crimes which antidates the report by more than seven years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Midland funding has been trying to collect money from me over several years. I have no knowledge of this account. I have filed disputes with all three credit bureaus. 
I spoke to Midland funding regarding this account. They said to submit a notarized statement to them stating I never conducted business with them. On XX/XX/2022 I faxed the statement to them. Its still on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
I was falsely accused of harassment by XXXX XXXX a neighbor of mine. Then she bought my situation into wells fargo slandering me to everyone. She is the one harassing me by turning it around on me & wells fargo believes her. Wells fargo says they don't handle domestic disputes. Well, they listen to her lying mouth and close my new account. This was the whole point to have XXXX XXXX  send me a hostile threatening letter. I will always claim I never harassed XXXX or XXXX XXXX. She purposely brought herself to the XXXX XXXX location to falsely accuse me to the police. Well, the police didn't do anything to me either. Because they saw I was talking to a banker about my new account. They can testify that I wasn't harassing XXXX XXXX. She was in the back with the other female employees laughing at me. She tried to set me up but failed. She was coming around me all the time. The harassment charges were dropped against me when I hired a lawyer. But she had them other XXXX XXXXXXXX XXXX me so she could be in there. I had no idea that she was in the bank. Wells fargo still chooses not to believe my side of the story. They said it themselves why my new account was closed right after it was opened. 

Then to further torment me and my son. They use her for the XXXX XXXX XXXX  helping widows of the fallen military! She is such a victim of me they made her district manager director of the XXXX XXXX XXXXXXXX. Then putting her on t.v. and their website to outrage me and my son. I will always be angry for how I was treated unjustly by wells fargo. Never listening to my side of the story, and always believing XXXX XXXX word over mine. 

XXXX XXXX didn't like it cause I reported their drunken party friends parking all over my yard in front of my house and throwing the trash. XXXX and XXXX never had any respect for their neighbors yards especially me! Then one of their friends did a hostile gesture backing all the way into my yard and skidded out of it leaving deep skid marks in front of my house and grass. This is what started all the problems with XXXX and XXXX XXXX. Then she wanted me to be charged with harassment with the police knowing good and well she was harassing me. 

Then XXXX XXXX brought the situation into wells fargo & slandered me to them and caused me to lose my checking account. Because she doesn't think I should have anything. Well, she doesn't have the right to dictate to me what I can or can not have! I had someone fix the fiscal board on the front of my house. I can see the evil coming out of them! 

Then they thought they would befriend the police against me. To ruin my life to where I can't get a job or to be able to have anything. It's not up to the XXXX what I can or can't help. XXXX XXXX didn't even want me to have a checking 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 explanation
Consumer complaint received 2023-02-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
In accordance with the Fair Credit Reporting Act Capital One 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. 1666 B : 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 2023-02-09 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/2023, Been scammed on XXXX XXXX place. I have listed an item for sale for {$700.00} and buyer/scammer had offer to purchase and wanted to use XXXX. Buyer had a fake XXXX  email account. Scammer stated overpaid. I have sent a XXXX payment to buyers email address, {$400.00} refund. Scammer had requested a XXXX payment through friend and family has he claimed to have a issue with XXXX. I sent {$400.00} on XXXX on my Credit Card XXXX Bank of America. The payment had posted on my credit card account XX/XX/2023. Had made fraudulent claims with BOA over phone

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