vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
Synchrony bank is not allowing me to move money to an external account. They have turned off all access to external account on their app and website. Only by calling am I able to move money out of my 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 non-monetary relief
Consumer complaint received 2023-09-11 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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 2023-09-11 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: NV

Complaint narrative:
The following accounts are fraudulent this information does not belong to me I demand immediate removal and blocking from all future reporting.

1. Provide a complete log regarding dates and times you attempted to contact me. If this alleged account was established by another party, then please detail your relationship- i.e., whether you are reporting this information as an assignment or whether you have purchased an alleged account outright. Also provide the account details for at least a year leading to this action, as well as any collection fees or interest and, if you are a third-party collector, your license or bond to collect in my state so that I may confirm your identity. Should you be unable or unwilling to answer, then you should respect my consumer and privacy rights and remove the damaging trade line from my credit reports immediately.

I demand that you show me a copy of the items listed in this letter as well as stated below if you can not produce these items, you must delete them.

2. 1. Validation of the debt is the actual accounting.

3.

4. Verification of signed Invoice.

5. A copy of the Contract binding both parties ( you and them ), in a letter by certified mail so that there is an independent witness to it having been delivered.

6. Please provide the original document and wet signature if you can't provide these items Delete them.

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 2023-09-11 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: NV

Complaint narrative:
The following accounts are fraudulent this information does not belong to me I demand immediate removal and blocking from all future reporting.

1. Provide a complete log regarding dates and times you attempted to contact me. If this alleged account was established by another party, then please detail your relationship- i.e., whether you are reporting this information as an assignment or whether you have purchased an alleged account outright. Also provide the account details for at least a year leading to this action, as well as any collection fees or interest and, if you are a third-party collector, your license or bond to collect in my state so that I may confirm your identity. Should you be unable or unwilling to answer, then you should respect my consumer and privacy rights and remove the damaging trade line from my credit reports immediately.

I demand that you show me a copy of the items listed in this letter as well as stated below if you can not produce these items, you must delete them.

2. 1. Validation of the debt is the actual accounting.

3.

4. Verification of signed Invoice.

5. A copy of the Contract binding both parties ( you and them ), in a letter by certified mail so that there is an independent witness to it having been delivered.

6. Please provide the original document and wet signature if you can't provide these items Delete them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 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: NEW YORK COMMUNITY BANCORP INC
State: MI

Complaint narrative:
I paid off XXXX XXXX bank it still on my credit report also its address on their I never lived their

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 2023-09-11 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bull City Financial Solutions, Inc
State: OH

Complaint narrative:
In XX/XX/2023 I was alerted of an account with XXXX XXXX that had been unpaid and sent to collections. I never opened that account and determined it was identity theft. I filed a police report and FTC identity theft form and submitted it to XXXX XXXX and the collections agency. It was rightly deleted from my credit report and the debt was deemed not mine. 

In XX/XX/2023, XXXX resold that debt to another collections agency and it has reappeared on my credit report. I have received no communication from the new debt collector or XXXX regarding the debt. It is for a house I have never been to, and I never gave anyone else permission to open the account in my name. 

I have called XXXX to settle this multiple times in XXXX and XXXX but they are unhelpful and refuse to remove me from the account even though they know it was not me and was illegally opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Bank of America said to call the XXXX XXXX XXXX XXXX firm about Legal Order Fee, XXXX XXXX XX/XX/2023 {$86.00} {$1.00} {$2.00} {$7.00} {$2.00} {$7.00} Bank of America is taking " fees '' without my consent. 
Bank of America said they would not return the fees and would not help me understand what the fees were from.

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 2023-09-11 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:
{$800.00} balance for XXXX XXXX dated XX/XX/2023. 

I have never had XXXX ever. 
I disputed with credit karma and TransUnion, and they say the information reported is correct but that is impossible I have never had XXXX. I asked for proof, and they did not give proof I only wanted to see what they were given that served as enough proof to keep a fraudulent account on my credit report. Please help with this They won't give me any information to use for the court shall the need come. This is the third time I disputed with XXXX XXXX and once with Trans Union.

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 2023-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This Notice of Dispute is to Notify the Consumer Financial Protection Bureau of the illegal and Deceptive Conduct and Practices Experian, XXXX And XXXX are engaged in. Ive sent several Notices certified Mail and they Keep denying my Request without documentation and Proof of My Authorization of The Said Accounts/Tradelines. [ XXXX XXXX, Not Authorized to Furnish Any Information Regarding any Alleged Accounts or Tradelines Under the Gramm-Leach-Bliley Act ( Privacy of Consumer Financial Information ) Viewing section Title V, Subtitle A of the Gramm-Leach-Bliley Act ( GLBA ) 1 governs the treatment of nonpublic personal information about consumers by financial institutions. ] XXXX XXXX is a Financial Corporation Shared Information to an Nonaffiliated Third Party. [ A financial institution must provide notice of its privacy policies and practices, and allow the consumer to opt out of the disclosure of the consumers nonpublic personal in- formation to a nonaffiliated third party if the disclosure is outside of the exceptions in sections 13, 14, or 15 of the regulation. ] They Failed to provide Proper Disclosure of OPTING OUT. Im Expressing Major Concerns with how Experian and XXXX and XXXX Has Handled this Matter. They Failed to Verify With me any Noncompliance and Non-Public Information Sharing to my Consumer Files [ XXXX XXXX XXXX has Furnished Income to the CRAs Which Doesnt Get Furnished due to it being Income I have filed all the Documents To the IRS and Comptroller of Currency Because of the Fraudulent Transaction They are tying to Avoid Taxes. 
This Notice is for the Immediate Deletion of the Above Accounts ( XXXX XXXX Invalid Account ) ( XXXX XXXXXXXX XXXX Invalid Account ) ; ( XXXX XXXX XXXX Invalid account ) I Authorize the Consumer Financial Protection bureau to Delete and Block these Fraudulent Accounts from Experian, XXXX and XXXX immediately. Failure to do will Result in Fines and Penalties under Federal Law. I Also Request All Methods they used/Use to Protect my Privacy. XXXX a Repeat offender Fails to Deliver Methods of Validation as Stated in ( Case : XXXX Document # : 1 ) I feel that my information isnt safe with XXXX. XXXX as well as Stated in ( XXXX XXXX ) See all attachments For Inquiries to be Deleted

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2023, I received a phone call on my cell phone that was incoming with the name Chase Bank. A number I had plugged into my phone when I originally opened my checking account as it had the emojis that I listed with the number in my phone. The person on the line said they were from Chase and that my debit card had been compromised and that they were going to issue me a new one. I am a XXXX XXXX and when they called I was working and distracted and the person on the line asked me to verify my last XXXX of my social security number which I provided. They asked for my pin and I gave it to them. They said I would receive a new card shortly. The next day I checked my account and someone had withdrawn {$6000.00} from my savings account. I called the fraud department and they informed me that someone had added a debit account to my wallet on my XXXX  and that they would remove it from my phone. This person withdrew XXXX {$100.00} withdrawals from an ATM and Chase never notified me once about these withdrawals that happened one right after another which should have been a red flag to begin with. 

Chase initially refunded my account while they investigated and then when they were done they took back the money and said since I provided the PIN number that there was nothing they could do. How about protecting the customer. Whenever I shop at XXXX time Chase will not approve of some of my transactions until o call and verify. I don't understand how someone can make that many withdraws at an ATM and Chase not notify me. We put trust into a financial institution to protect our money and have safeguards in place if someone is trying to commit fraud against you. {$6000.00} is a lot of money that I worked hard to save. They also have the debit number which was attached to my wallet that did the crime. This crime occurred because a person was able to add a debit card to my XXXX wallet and use it to steal {$6000.00} at a ATM and Chase acknowledge that there were XXXX cards attached and had me verify mine and also my boyfriends card which I knew were on there and they said there was a third that I did not know whose it was, so Chase removed that card from my wallet and never did anything with that information. I filed a police report and this is information that can help catch the criminal that stole from me. I feel like Chase is not doing anything to help me get my money back nor did they protect me from this criminal act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
XXXX ) On XX/XX/XXXX, they debited me XXXX euros for an email program in XXXX that I use. 

Paid with ( XXXX XXXX XXXX XXXX  ) {$23.00} on XX/XX/2023 Exchange rate {$23.00} USD = XXXX EUR XXXX USD = XXXX XXXX XXXX XXXX XXXXXXXX XXXX. payments XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX Purchase details Purchase amount XXXX EUR Total XXXX ) the XXXX euros came up to XXXX, as you can see. From their own account. 
Then they debited me for the same service {$23.00} ( not in euros, but in dollars. ) there was no money in the account. So now I am negative {$23.00} XXXX ) then they went ahead this morning and charged on my other debit card ( XXXX ) {$23.00} So I have paid 3 times for the same service The attachement in red is PayPal And the attachment in black is from XXXX 
As you can see I am paying three time for the same service. 
XXXX  is saying PayPal direct debited them. They have nothing to do with it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 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: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/2023, I discovered unauthorized transactions on two accounts, one with XXXX XXXX and one with Trusit Bank, for {$700.00}, which I immediately reported to the bank 's customer service. I promptly contacted Trusit Bank 's customer service on XX/XX/2023, to report the fraudulent charges and initiate an investigation. I expected a timely resolution in accordance with the bank 's policies and federal regulations. Despite my repeated inquiries and efforts to cooperate fully with Trusit Bank 's fraud department, the bank has failed to provide conclusive evidence or documentation regarding the fraudulent charges in question. Their initial claim was that I had done business with this vendor before, and their reasonings behind the failed claim continued to change after. 

Trusit Bank 's customer service representatives have consistently provided vague responses and transferred me from one department to another, creating an endless cycle of frustration and uncertainty. I have repeatedly requested essential documentation such as transaction records, investigation reports, tracking information, verifications, and evidence supporting the legitimacy of these charges. Trusit Bank has consistently refused to provide these documents or has provided incomplete and unsatisfactory responses. 

The delay in resolving this matter has taken a significant toll on my mental and financial well-being. The unresolved fraudulent charges have created instability and emotional distress, and the lack of transparency from Trusit Bank only exacerbates the situation. I have made every effort to cooperate with Trusit Bank and follow the appropriate procedures to address this issue. However, their lack of transparency, refusal to provide documentation, and consistent runaround have left me with no recourse but to escalate this matter.

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 2023-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
This my the second complaint against Capital One Bank.Case number is XXXX was closed. 
I received letter with all information about sender and recipient details.Someone opened a fake email address and a fake phone number in my name that I never had.In response to my request call XXXX XXXX customer service at XXXX to make sure that I never had an account with them.I had to call Capital One Bank several times to explain the situation why was the money withdrawn and no one notified me. When in the month of XXXX I demanded that money should never be send through the XXXX XXXX money continued to be withdrawn from my account.I ask you to seriously deal with the current situation. Currently many thousands of Americans are suffering from loss of money because personal information is stolen. Instead of the bank helping their customers to return the money, they take the side of swindlers and scammers. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I had a credit card dispute for a XXXX transaction with a company called XXXX XXXX. They had essentially me for a box withing their 5 day return policy window, so there was no way to actually cancel. XXXX XXXX also did not refund me. I went to Wells Fargo for a dispute on my card and submitted information regarding the dispute. Wells Fargo eventually got a response from the company and to my surprise immediately closed the dispute. They essentially did not allow me to respond to the company. All of what the company sent was irrelevant to my particular issue. When I called Wells Fargo, the rep initially told me that they contacted me and did not receive anything from me. Then when I started asking questions, she said that actually when a dispute is filed, the cardholder is expected to input all information and that if the company responds, the cardholder does not get a chance to respond to that. This is very unreasonable especially if the company gives evidence, but you in turn have evidence to counter them. This is a very unfair practice. I've had disputes using my XXXX card and they allow back and forth information from both the cardholder and the company. Wells Fargo is essentially giving preference to merchants it would seem which makes it a very unfair dispute process.

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 2023-09-11 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and anxiety, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-11 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: PA

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

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