vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Early Warning Services, LLC
State: NJ

Complaint narrative:
On XX/XX/XXXX, I opened my Checking account at XXXX XXXX XXXXXXXX in XXXX, NJ. I made first deposits by using Zelle to request XXXX dollars from my mother. On XX/XX/XXXX afternoon, I was in classroom. Suddenly Zelle sent me bunch of emails saying that I violated their policy, which I never done. I only received {$10.00} from my mother by Zelle. I never made any transaction with my account yet, XXXX is XX/XX/XXXX, I just activated my debit card. I contact Zelle and XXXX, more than 15 calls I made. Still, no one solved my problem. I am a high school student with XXXX, it's difficult for me walk to the bank using ATM to make deposits. Please help me, thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
I hope this letter finds you well. I am writing to formally request a Form 1099-C, Cancellation of Debt, in connection with an account under my name that was charged off by your institution and subsequently reported as such on my credit report. 

As outlined in IRS regulations under Section 6050P of the Internal Revenue Code, creditors are required to issue a Form 1099-C when a debt of {$600.00} or more has been canceled or discharged. It is my understanding that since the charged-off debt has been written off by your institution, it constitutes a cancellation of debt, and I should have been provided with the appropriate tax documentation in accordance with the law. 

Failure to provide a 1099-C form for canceled debts could be considered a violation of the IRS reporting requirements, which obligates creditors to report forgiven or discharged debts in excess of {$600.00}. It is essential for me to have this form to accurately report the canceled debt on my tax returns, and I would like to resolve this matter in a timely manner to ensure compliance with all relevant regulations. 

Please send the 1099-C form at your earliest convenience, either to my physical address or via email at XXXX Should you require any additional information or documentation from my end, I am more than willing to cooperate to expedite the process. 

Thank you for your prompt attention to this matter. I look forward to your response and resolution of this issue

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
Over the weekend, I was not able to log into my account or change my password. Truist never contacted me in any manner. I contacted Truist to check if something had happened on XX/XX/XXXX. They told me I had to call their fraud department to find out any information of the closing of my account due to suspicious activity. I asked to the fraud department if there was any investigation on the claim that resulted in my account being closed. They said their team investigated and decided to close my account. No notice or explanation were given. They said I would need to open a new account. I tried to open a new account with them. They said I could no longer have an account with Truist. I am a Truist member since XXXX ( formally known as BB & T ). I did my car loan there. My wife got the loan for our mortgage there. Truist never had issues with me prior to this claim. What was the decision for this fraud claim based on? 

The claim was made by a person that I sold a bag on XXXX XXXX. The person did not like the purse. Before reaching out to me to resolve the matter, she contacted her bank and said that she was scammed. As soon as she reached out, after contacting the bank claiming fraud, I tried to get into an agreement to give her the money back for the purse. We settled and I gave her the money back and I am still waiting for her to return my bag. No fraud happened here, just an unhappy buyer. 

The bank made a decision without any kind of investigation on what happen. The bank violated its own terms and conditions regarding account closure ( no proper investigation ). The closure will cause financial harm, and there was no contact in regards to this ( the information for my paycheck is still with Truist, this will delay my next paycheck and impact my bills ). The complaint that led to the closure of my account was handled unfairly and without proper investigation ( I have shared here all the conversation in regards to the transaction that led to the closure of my account ). 

I want to state that I was answering all the buyer 's messages in a timely manner. She acted in bad faith by calling the bank before even requesting the money back from me or even expressing that anything was wrong with our transaction. Truist also acted in bad faith since it did not do a proper investigation before closing my account. It is very frustrating that after being a customer for XXXX  years at Truist, I was mistreated like this. I would like that all necessary actions are taken towards this, so no other customer can go through what I have been through.

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 2024-10-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
I applied for the Wells Fargo Active XXXX Back credit card on XX/XX/2024. I have a XXXX XXXX of XXXX ( updated on XX/XX/2024 ) with 100 % on-time payment history, {$5500.00} in available credit across two accounts, and 0 % credit utilization at the time of my application. I have never been late on payments, and I have only one recent inquiry in the past two years. 

Despite my strong credit profile, my application was denied without a clear explanation. When I contacted Wells Fargo for clarification, the representative I spoke with was unhelpful, dismissive, and rude. I feel I was not treated with the professionalism or respect I expect from a financial institution. Additionally, the denial seems unjustified given my credit history and responsible use of credit. 

This experience has been frustrating, especially as I was seeking a card to help build credit further and responsibly earn rewards. I believe Wells Fargo should review how they handle customer inquiries and credit decisions to ensure fair treatment.

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 2024-10-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2024-10-16 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: TN

Complaint narrative:
XXXX XXXX claimed that I opened joint business account with them in the year XXXX. The account was charged off in XXXX. I have yet to receive a 1099c to add to form 892 to send this to irs letting them know that I am insolvent and that my responsibility out weighs my income. I have requested the form from them several different times just for them to tell me that although it has been charged off they have not written it off the book yet. So isn't that fraudulent that for two years you have been writing off the same account? the account number from what I gather is # 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 2024-10-16 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: TN

Complaint narrative:
XXXX XXXX claimed that I opened joint business account with them in the year XXXX. The account was charged off in XXXX. I have yet to receive a 1099c to add to form 892 to send this to irs letting them know that I am insolvent and that my responsibility out weighs my income. I have requested the form from them several different times just for them to tell me that although it has been charged off they have not written it off the book yet. So isn't that fraudulent that for two years you have been writing off the same account? the account number from what I gather is # 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 2024-10-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I had applied for a capital one credit card in XX/XX/year> and They ran my credit and I was approved with a XXXX XXXX dollar credit limit. Upon using this credit card I never went over my balanced and I always paid my on my card never being late always on time, and in XXXX the last payment that made, I had paid the entire balance, and without any notice of why they just closed my account, and when I asked why, their answer to me, was they have the right. I did not understand this at all, because than they told me I was approved for a secured credit card, but that made no sense to me what so ever especially when I already had been approved for a credit card with a XXXX XXXX dollar limit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I opened a business checking account with Truist bank on Friday XX/XX/year>. I funded the account with a total of {$2000.00} from the business checking I had ( XXXX XXXX  via XXXX ). Today XX/XX/year> I tried to log into my account and found it was locked due to " security risks ''. I called customer service and after some transferring around was told the bank has decided to terminate the relationship with me due to a fraud investigation ( level 2 I believe they said ) determined funds may be fraudulent. They could not provide me any other information and stated I had to wait for a letter to be mailed to me. I was in no way notified either of any of this. 

I went into a branch location to see if someone in person could help me on this same day ( XX/XX/year> ) and was essentially told the same thing. I asked what this letter is supposed to say, and she stated it may say to call them to discuss getting a check sent or to go to a branch to withdraw the funds. She even said in some cases they may not release the money.

I am now locked out of all of my businesses money with no answers. I believe this is fraud and potential theft on their part.

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 2024-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX around XXXX we received the call from a person name XXXX ( not to sure the exact spelling, ) from Bank of America XXXX XXXX XXXX, stating that our account had been scammed or by some unknow multiple transaction that we need to urgently close the account. He then looking at our online banking app transfer our money from savings account {$12000.00} to our checking account {$9000.00} and left {$480.00} and wired {$20000.00} out from our checking account, ( we later found out this ). On the same date ( XX/XX/XXXX ) few hours later when we returned home from the park, we immediately check our online banking status and found out that our money from both checking and savings accounts were hacked and found were gone. This is an unauthorized wire transfer. XX/XX/XXXX, Same date at night around XXXX, we report to the bank for this incidence & requested that the bank to stop the payment from going through due to this unauthorized transaction of scamming. Received the XXXX XXXX  case number from the bank. # XXXX. On XX/XX/XXXX, we filed a police report at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, report # 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 2024-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Hello all, please see supporting correspondence for my complaint

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: SC

Complaint narrative:
In XX/XX/XXXX I submitted my annual IDR recertification along with providing tax records for income verification. Starting in XX/XX/XXXX I started receiving notices of payment due under a standard repayment plan. I contacted Mohela and was told my loans would be reinstated to my IDR plan. In XX/XX/XXXX I again received notice of payment due under a standard plan. I contacted Mohela on XX/XX/XXXX to inquire why my IDR plan was not reinstated and was this time told my XX/XX/XXXX recertification was denied due to supporting documents being greater than 90 days old. The supporting documents were my tax records pulled directly from the IRS and provided to Mohela. I was never notified of this denial until the phone call on XX/XX/XXXX. Mohela mishandled my annual recertification and has caused my loans to be removed from an IDR plan, which is also disrupting my PSLF payment count. This needs to be resolved to restore my IDR plan dating back to XX/XX/XXXX, as I completed the required process and Mohela did not do their part correctly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-16 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: AZ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2024-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc
State: PA

Complaint narrative:
Chime Still a balance a balance almost XXXX dollars On a new account I do not have They open a chime account they too my personal information

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: GOLDMAN SACHS BANK USA
State: MA

Complaint narrative:
On XXXX XX/XX/year>, Goldman Sachs attempted to utilize the wrong bank account on file to pay my bill for the month of XXXX. They attempted to charge this wrong account {$2100.00}. This charge was declined. 

I immediately contacted Goldman Sachs and manually paid the amount due, {$2100.00}. This also took place on XXXX XX/XX/year>. 

Nevertheless, Goldman Sachs added a spurious interest charge of {$64.00} on my account. When I asked Goldman Sachs to kindly remove the charge since their system charged the wrong account, they refused. Instead, they offered a {$25.00} " waiver ''. 

I attached proof of this in the form of a screenshot of my Apple Card account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-16 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: MI

Complaint narrative:
RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

ACCOUNTS : 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 XXXXXX/XX/XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.

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 2024-10-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: MN

Complaint narrative:
I asked for validation of this debt owed. I am unaware of this debt - who what where or when this debt is from

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CO

Complaint narrative:
JEFFERSON CAPITAL LLC XXXX XXXX XXXX XXXX XXXX, MN XXXX Re : Account Number : XXXX Dear Jefferson Capital LLC , I am writing to you regarding a debt you claim I owe, which is listed under the above-referenced account number. In accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), and in particular, the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I request that you provide validation of the debt in question.

To validate this debt, I request the following information : 1. Proof of the Original Creditor Please provide documentation that shows the full name, address, and contact information of the original creditor, as well as the full accounting of the debt.

2. Assignment Contract Provide a copy of the assignment or transfer agreement that demonstrates your legal right to collect on this debt. I want to verify the chain of ownership to ensure that the debt was properly assigned to you for collection.

3. Account Balance and Breakdown Please provide a detailed breakdown of the current balance of this debt, including the amount of the original debt, interest, fees, and any other charges that have been added to the account.

4. Applicable Statutes and Verification Please confirm the legal basis under which this debt can be collected and provide references to the specific state or federal laws governing this collection, including the statute of limitations applicable to the debt.

5. Verification of Reporting to Credit Bureaus Confirm whether this debt has been reported to any credit reporting agencies. If so, provide the dates it was reported and to which agencies. Under the FCRA, 15 U.S.C. 1681, inaccurate or unverifiable information must be corrected or removed.

Until this debt is validated as per my rights under federal law, I request that you cease all collection activity, including reporting this debt to any credit reporting agencies.

Please note that I will only communicate further about this matter in writing. Additionally, if you can not provide the documentation requested, you are required to cease collection activities and remove any negative credit reporting associated with this debt.

Thank you for your prompt attention to this matter. I look forward to your response within 30 days of receipt of this letter, as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-16 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT

Complaint narrative:
On XX/XX/2024, my Bank of America credit card was closed. I had earned {$520.00} in rewards points and was informed that I had 90 days to redeem them. I attempted to transfer the points to XXXX but encountered technical issues. XXXX stated that the transfer would be available within XXXX hours, but the points never became accessible. I contacted both Bank of America and XXXX, but Bank of America refused to extend the grace period past XX/XX/2024, and the points were revoked.

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