vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
My issues are with bank of America. This years got charged crazy fee. Also I pay my credit card always before time. I had paid a few hundred. When I went to buy they had closed my account. Called they said cause I paid XX/XX/XXXXtimes late. Was weird I have an account for years. I till pay on it. My payment is due XXXX I pay the XXXX in advance. Also my fees were charged for service, no funds cause of them crazy have more than XXXX of charges extra and double. I'm reporting all that happen last 2 years.

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 2023-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I will have money in account and some how my money will be gone and they charge me a overdraft fee which I explained to the customer service people I don't have a overdraft protection on my account so how is any payments going through if it's no money in account. They will process the payment take my money then try to reprocess the payment again which would put my account in overdraft.

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 2023-07-15 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: EQUIFAX, INC.
State: OH

Complaint narrative:
Account furnished by XXXX. XXXX and XXXX is a result of fraud and improper reporting. 
I have disputed this account through the proper channels without reply or appropriate results in the legal amount of time provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15 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: CBC Companies, Inc.
State: TX

Complaint narrative:
Someone stole my information. they are using my date birth social security number.ID.they messing up my good credit by using my information.yes something need to be done about this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My credit files were unlocked and someone applied for several accounts in my name. Please see attached letters

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 2023-07-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
Subject : Complaint regarding denied credit extension due to incorrect account status Dear Capital One Customer Service, I am writing to express my deep frustration and disappointment regarding the denial of my credit extension request based on inaccurate information in your system. As per my previous correspondence and the verification performed by Capital One on XX/XX/2023, it was established that the account in question was indeed fraudulent. To support my case, I have provided all necessary documents including a police report, an identity theft affidavit, and a copy of my identification, which clearly indicate that the fraudulent activity occurred without my knowledge or consent. Despite providing this compelling evidence, I am still encountering obstacles in getting credit with Capital One due to the incorrect account status associated with my name. I understand that errors can occur in such complex situations, but I am deeply concerned about the impact this is having on my credit profile and financial wellbeing. I trusted Capital One to rectify the situation promptly and ensure that my credit history is accurately represented. 
Therefore, I kindly request your immediate attention to correct this error in your system and update my account status accordingly. Additionally, please provide me with written confirmation that the incorrect information has been rectified, ensuring that it will no longer hinder my ability to obtain credit or result in any further negative consequences. 
Thank you for your understanding and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16 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 — Card was charged for something you did not purchase with the card
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
ON MY ACCOUNT THERE WAS A NAME BY XXXX XXXX WAS ADDED TO MY ACCOUNT WITH OUT MY CONSENT ALSO THERE WAS CHARGES RACKED TO MY ACCOUNT AND I DID NOT ADD THEM TO MY ACCOUNT IM TRYING TO WORK WITH THE BANK TO REMOVE THE NAME AND FIX THE AMOUNT ON THE ACCOUNT ON {$20000.00} IN CHARGES WE DID NOT MAKE ON THE ACCOUNT IT ALL WAS MADE BY FRAUD PERSON AND WANT EVERYTHING TO BE REMOVED FROM THE ACCOUNT. THANK YOU

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-15 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: LCI Acquisition Inc.
State: MS

Complaint narrative:
A bankruptcy is being reported on my credit report stating the state of Florida Bankruptcy Court has furnished information which is false! I have a furnish a letter by the Bankruptcy Court which has indicated that they do not and I repeat do not give any information to third parties or therefore any one, and therefore has violated my rights. Under the credit fair act section 15 u.s.c.1681 sec a states I have a right to privacy. 15 u.s.c. states a consumer reporting agency can not furnish an account without my written instructions. In providing this information to XXXX and also XXXX has removed the information from my credit report. I would greatly appreciate if you would do the same thing based on the information provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
In XX/XX/XXXXXXXX  I went to XXXX to purchase a pair of dress slacks. I chose a pair and was offered a {$25.00} discount if I were to open a charge account. ( Having had one previously with them for years - while still working- I consented ). A time later, the bill arrived, and not noticing a way to pay on line I set it aside for attention at another time. In late XXXX a second bill arrived and I paid the new amount with a late fee, and an interest equal to 46 % by mail. My check was XXXX by Comenity, a day late, and a second interest was charged, this time at 1120 %. 
Believing that I had fulfilled my obligation to Comenity, I didn't bother to open the XXXX and XXXX billing statements. On XX/XX/XXXX, I sent a check for the two interest payments and a {$2.00} late fee totaling {$6.00}. Again the accrued interest was {$0.00} but the charge was {$2.00}. I wrote on the check, and the tear off portion of the statement that this was my LAST, final check to that account. 
The bills continue. On the XXXX of XX/XX/XXXX, I spoke with an agent, and then with a supervisor, XXXX, confiming with her that I would not be making any more payments. She informed me that she would mark my account as " Refusal '' and that it would continue to accrue charges. 
Because of the frequent calls to my cell phone, I blocked each new number from Comenity bank. Near the end of XXXX, XXXX, I started an XXXX spread sheet recording the missed calls, and the messages left by Comenity bank. See attached.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I opened my account in XXXX with XXXX dollars withdrew XXXX and signed up to XXXX XXXX a few weeks later after I gave them consent to withdraw XXXX my account bank of America released XXXX the first transaction and XXXX the second transaction to XXXX XXXX I immediately spoke with the bank and XXXXXXXX XXXX the bank was confused because they said I had 2 accounts which is odd and the fact I didn't get notifications from the bank about those transactions was crazy XXXX and not a txt or anything I figured it out with XXXX XXXX I thought until they sent back XXXX and I had to transfer the rest of it myself which including what they sent came to XXXX and when I spoke to the bank and XXXX XXXX I was being told I owed XXXX XXXX XXXX XXXX dollars and the bank had no idea so I magically lost XXXX and XXXX XXXX or bank of America have no idea I'm still fighting that, Then I had another XXXX check deposited in XXXX it was supposed to clear XX/XX/XXXX then the XXXX but when I went to bank of America they tell me I had late fees so they took that money out and told me they closed my account again with out notifications and no reason. they couldn't even tell me what happened to the XXXX now XXXX because of late fees.the answer has been it must of been mailed to you but it could of been sent back to XXXX XXXX or to fiancee 's address. They couldn't cash it out because it was in my fiancee 's name, but you can take your late fees out then close my account without me being notified how is that possible and XXXX disappeared and no one knows what happened to the check because once they took that money out they can't send it to XXXX XXXX and because it was entered into My account and bank of America took that money out it was cleared in the account under my name so it would be mailed to me if anything and I haven't received anything from them neither has my fiance or XXXXXXXX XXXX  because we checked and XXXX XXXX actually explained that the check was cleared and it wasn't supposed to be you can't return a check missing funds so it's probably the bank scamming you. 
So Bank of America lost over XXXX dollars of mine then closes my account for absolutely no reason but to try and get rid of me I guess XXXX was enough from one person Please help me get my money back it's XXXX just gone

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 2023-07-15 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was charged several fees for using my debit card at XXXX bank. I didn't withdraw money, I was paying my car loan. I have paid there before and haven't been charged any fees. In the last week, I have been charged 2 different fees for the same type of transaction. I was charged {$10.00} and then {$5.00}. I called to get my fees reversed, and was unable to get help with one of the fees ( out of a total of 3 ). I want my money back. This was taken out of my RENT money when I have a check pending.

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 2023-07-16 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: MI

Complaint narrative:
Identity theft on my credit report I would like the items removed. It is unlawful to report any fraudulent information on my credit report, 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 non-monetary relief
Consumer complaint received 2023-07-16 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:
I have called and sent a letter to this credit reporting agency about the following errors and violations. A fraud alert was placed on my account without my permission. My Address is XXXX XXXX XXXX XXXX XXXX Alabama XXXX XXXX. Please note that XXXX XXXX XXXX XXXX, GA. XXXX is not my address and XXXX XXXX is not my previous or current employer and should not be listed on my credit report. In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 XXXXXXXX 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 relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. These items have been reported inaccurately and without my consent which i have disputed. I have attached proof of the dispute letter that i sent certified, as well as the inaccurate results of Experians investigations.

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 2023-07-16 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: FL

Complaint narrative:
On XX/XX/, I traveled on Spirit Airlines ( Bank of America ) from XXXX XXXX to XXXX XXXX with one backpack to avoid paying any bag fees. My backpack was approved by the ticket agent and at a secondary bag inspection point. 

Upon boarding the plane, I was pulled aside and informed that I would now have to pay a {$99.00} fee because my backpack was too large, even though it already approved and was within the dimensions dictated by Spirit Airlines. I reluctantly paid the {$99.00} and boarded the plane. 

Upon returning home, I was able to board the plane in XXXX XXXX with the same backpack without having any issues ; my bag was Free as it should've been in my departing flight. 

I made a complaint with Bank of America and on XX/XX/, Bank of America denied my complaint and approved the {$99.00} charge stating that Spirit Airlines had the right to request payment for services rendered. 

Bank of America and Spirit are in business together. Without Bank of America, you can not have the Spirit card, and vise versa. Bank of America stated that their decision is final. So now I have to pay {$99.00} for a backpack that should've been Free. 

I believe this is a scam utilized by Sprit Airlines and backed by Bank of America. I have the departing and returning tickets, fees and correspondence from Bank of America. 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 2023-07-16 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I recently discovered that one of my creditors has re-added a previously deleted item to my credit report, which is a violation of the Fair Credit Reporting Act ( FCRA ). This has caused significant damage to my credit score and financial situation. Despite disputing the re-added item, the creditor has failed to remove it from my credit report. As a consumer, I am now considering filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) to protect my rights and seek resolution to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I have a PayPal Mastercard through Synchrony bank. When the account was opened the credit limit was set at {$650.00}. I have not gone above the credit limit. ALL payments have been made and made on time. 
The card currently has a balance of {$160.00} on it. Synchrony randomly, without warning, dropped my credit limit to {$180.00} leaving an available balance of {$14.00}. This WILL NEGATIVELY affect my credit score as it now looks like I have maxed the card out ( credit balance to utilization will be seen as too high ).

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 2023-07-16 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: EQUIFAX, INC.
State: MI

Complaint narrative:
Identity theft on my credit report I would like the items removed. It is unlawful to report any fraudulent information on my credit report, thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Identity theft on my credit report I would like the items removed. It is unlawful to report any fraudulent information on my credit report, 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 explanation
Consumer complaint received 2023-07-16 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: CA

Complaint narrative:
I have been a loyal member of Capital One credit cards for around 12 years. Over the past decade I've never missed a payment and have maintained near perfect XXXX. Both my personal line and business accounts have extensive credit lines. 

A few months ago I opened a new account to manage my real estate rentals. Capital One offered a very small credit line for this account. Recently, a utility company tried to collect payment and attempted to charge the card several times but since I was just shy of the available credit on the card the charge repeatedly did not go through, but rather was flagged as returned payments. 

Without notice or warning, and after a dozen years of flawless credit history, Capital One abruptly canceled all four of my credit cards, closed my accounts and kept my rewards points that I had accumulated. 

I called and spoke to two different managers today and both were sympathetic and apologetic but said they could not do anything to help. I was shocked, appalled, outraged, and confused all at the same time. I'm assuming this was a flawed computer algorithm that canceled my accounts due to 'returned payments red flags ' and thus avoided the common decency of contacting me ( via call, text or email ) to indicate there was an issues prior to taking such drastic measures. I can understand if a machine determines I am high risk for some odd reason but can not believe they removed the entire human element out of the equation and left no option for resource in its wake. 

I have strong credit and plenty of liquidty to service my debt, yet now it appears I'm going to suffer the credit wrath of four closed simultaneous accounts, two of them are sizable and have significant history behind them. This seems beyond ridiculous.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-16 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: GA

Complaint narrative:
Im accordance with the Fair credit reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Accounts XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXX XXXX XXXX XXXX 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 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 take 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 relations 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 non-monetary relief