vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-23 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: OK

Complaint narrative:
I opened the account to get promotional financing on a piece of hardware. I set up auto pay to streamline the process. I logged into the account to pay off the balance so that I could request an increase for a different promotion, to take advantage of 0 % upon doing so I see that from opening until now I had received XXXX in charges under payment card security banner. I did not authorize this, and reached out to customer support to get this taken care of. Upon doing so I was not met with an explanation of what this XXXX be but was met with a flat statement : you must reach out to this phone number for all inquiries about payment card security. So the company decided to enroll me in a program I did not request, and applied a percentage of my monthly balance as a fee. I paid my account in full and closed it. My fees were small enough because I caught it when paying my full balance, and if a loss, not completely major as I was using it for music equipment. I fear for anyone who might be using this companys credit for survival and is not aware of the companys actions. It is predatory. Synchrony can not keep getting away with that. Im thankful I caught it when I did. I dont see any world where a promotional financing of about {$500.00} should get anyone a standard credit card rate with a monthly fee of a percentage of their balance without them wrapping that up into their advertised card rate. So for a promotional {$500.00} financing, aside from any interest accrued, I was charged nearly an extra {$100.00} over a years time. If I wouldnt have paid off early it would have continued over the life of my loan ( want to say the promotion was like XXXX financing at 0 % and I was still charged interest )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-23 00:00:00
Product: Prepaid card — Gift card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Blackhawk Network Holdings Inc.
State: SC

Complaint narrative:
XXXX and XXXX was opened back on XX/XX/XXXX. company asked for the most WEIRED thin I've ever heard. i have already provided all the information needed and still never send me any replacements or refund. Why you keep asking to resend my ID while i have already done that PLUS everything is notarized. Contact the police department or notarization company if you want, THIS IS NOT MY JOB AT THE FIRST PLACE

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-23 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I am submitting this complaint regarding the inaccurate reporting of late payments on my credit report by credit reporting agency about XXXX XXXX XXXX XXXX. The credit reporting agency is reporting late payments for XXXX XXXX XXXX XXXX ( Balance : {$2200.00} ), including a 3059-day late payment mark. This reporting violates 15 U.S.C. 1666b ( a ) of the Consumer Credit Protection Act, which explicitly states that a creditor may not treat a payment on a credit card account as late unless reasonable procedures have been adopted to ensure the periodic statement is mailed or delivered at least 21 days before the payment due date. XXXX XXXX XXXX XXXX has failed to meet this standard, making this late payment mark unlawful. Despite my repeated disputes, the credit reporting agency has failed to properly respond or adequately investigate and correct these errors. Under 15 U.S.C. 1681i ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to conduct a reasonable reinvestigation of disputed information and delete or correct inaccuracies promptly. The credit reporting agency 's continued failure to comply with these obligations has caused damage to my credit reputation and financial well-being. The credit reporting agency has my personal information on file and therefore knows my identity. There is no valid reason for this failure to take appropriate corrective actions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-23 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: GOLDMAN SACHS BANK USA
State: MO

Complaint narrative:
there is a credit card Apple Card reporting on my credit I never opened or or requested to have on my credit report its a fraud account I was a victim of fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-23 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: AZ

Complaint narrative:
XX/XX/year> XXXX transactions for the amount of {$2000.00} to the XXXX were taken from my checking about. They were unauthorized charges through my debit card. I immediately called the claims department at Wells Fargo to submit the claim when the first transaction happened. While I was on the phone with the claims department representative the second transaction happened. At the same time an unauthorized tele-transfer of the amount of {$1300.00} was pulled from one of my savings to my checking account. I demanded the representative freeze the account immediately to stop the fraudulent transactions. We have since closed those account and opened new ones with the same bank. 
The claims department sent a letter by main XX/XX/year> which we received XX/XX/year> stating that after their research they found the charges were made by me or someone I gave permission to. That they will be pulling the temporary credit of {$4000.00} from our account XX/XX/year>. 
The charges were made in XXXX, XXXX. I have never been to that city. I reside in 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 non-monetary relief
Consumer complaint received 2024-11-23 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I made a purchase on my Bank of America credit card for a cruise with XXXX XXXX XXXX for XXXX. I booked a room for 4 adults - 2 beds. Once we got into the room it was bunk 1 bed and a bunk bed. We were already at sea when we were able to get into our room, therefore there was no ability to reschedule. We were told there were no other rooms to transfer us to and to reach out to customer service at the end of the trip. I did just that and was told there was nothing they could do. I asked for a discount for the inconvenience and was told there wouldn't be a discount. I then asked for a discount on a future cruise and was told they don't do that either. I then told them they are leaving me no choice but to dispute the transaction. I reached out to bank of america and told them what happened, they issued a temporary credit and sent a letter than said if the merchant doesn't respond within 60 days of the date on the letter ( XXXX XXXX ), the temporary credit would become permanent. I didn't hear anything from bank of america my XXXX statement ( long after the 60 days ) that just says balance adjustment. I have not received any other documents from XXXX or BofA and did not receive what I am being charged for.

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 2024-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXXXXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are inquiries on my credit report I did not authorize nor I have no knowledge of. I dont even know this company called clarity. Yet they have made inquiries on my credit report. I asked them multiple times to delete and remove the inquiries, as of this day they have not provided myself or the CFPB of any proof I made or authorized these inquiries. They requested information from me by mail, I submitted the information its been over 30 days and almost 6 months now I have been trying to get responses from this company. They are constantly giving me the run around and wasting my time. Please remove the inquiries or show myself and the CFPB some type of proof I authorized these inquiries These are the items I'm demanding to be deleted immediately : I did not authorize nor do I have knowledge of this inquiry. Clarity Services A Part of Experian.. on behalf of XXXX XXXX now Inquiry date- XX/XX/year> Clarity Services a part of Experian ; on behalf of XXXX XXXX XXXX ; inquiry date XX/XX/year> They are not doing any investigation I am getting computer generated replies. This is frustrating they are not doing any investigations just wasting my time

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) 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. 

and according to 15 USC 1681s-2 they are suppose to 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.

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 2024-11-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX ( XXXX ) XXXX XX/XX/year> Navy Federal Credit Union Attn : XXXX Power of Attorney XXXX, FL XXXX ] Subject : Formal Complaint Regarding Unlawful Practices Dear Navy Federal Legal Department , I am writing to formally lodge a complaint against Navy Federal Credit Union regarding a series of unlawful practices that have had a significant negative impact on my financial standing and personal well-being. 

For over five years, I have been under the impression that certain accounts held in my name were closed, only to recently discover that they remain open and have continued to accrue activity. I was informed by your representatives that these accounts were closed, yet I have evidence that they have remained active, resulting in unauthorized credits and debits that I did not authorize. 

This situation has not only caused confusion but has also led to significant distress as I have been wrongfully blacklisted due to these actions. It is deeply concerning that a financial institution would engage in practices that violate the rights of its consumers, including breaches of the Universal Commercial Codes and Privacy Acts. 

Moreover, I have been made aware that other consumers have experienced similar issues, indicating a systemic problem within your organization. The claims that I have caused financial losses to NFCU are unfounded and misleading. As consumers, we are the lenders, and it is imperative that our rights be upheld and protected. 

I request that you conduct a thorough investigation into this matter and provide me with a detailed response regarding the status of the accounts in question. Additionally, I demand that any negative impact on my credit report be corrected immediately and that I am informed of the Thank you for your attention to this serious issue. 


Sincerely, XXXX XXXX XXXX ( XXXX ) XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I received an email dated " XXXX, XX/XX/XXXX, XXXX '' that " Citizens Checking account ending in XXXX has been overdrawn for 35 days. Please note that accounts overdrawn for more than 60 days are subject to charge off and negative reporting to XXXX. 

Your total amount due is {$19.00}. ". 

This was the first email communication I had received regarding this account for about 4 years. Upon resetting my account password, I discovered that I had a sum of about XXXX that had gone into 'escheatment ' ( which I understood to mean abandoned ). A XXXX $ escheatment service fee was charged by Citizens bank to remove the money, but the account remained opened, a {$9.00} service fee was charged, and since there was no money remaining in the account, another {$9.00} overdraft fee was then charged. 

I had gone into my local Citizens bank branch on XX/XX/year> to request that the account was closed and for these fees to be waived, and I was denied unless the fee was paid ( only through cash or check ). I explained to both the worker and the bank XXXX  XXXX that the account had been abandoned, a fee already charged, and that it doesn't seem right for the account to have additional fees charged once it had been dealt as abandoned. However the XXXX told me that it is 'Citizens Bank policy that they could waive only one fee '', but the rest must be paid for the account to close.

I paid the fee, closed the account, and returned home, but I could not find additional information online regarding the escheatment procedure with Citizens bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-23 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: Paypal Holdings, Inc
State: NE

Complaint narrative:
my account has been suspended for o er a month. i have XXXX in there and they wont let me have it. the banner on my account says to check my email. there is no way to contact anyone by phone or text. i cannon believe this company has no contact info. they email from ten different addresses and everytime want fromnt and back of id and a photo with me holding the id next to my face... .i dont even know if its legit i refuse to repeatedly upload those things, its a security problem in itself. through my account i have verified identity, address, phone number, email, drivers license, even my photo. i changed my password and have 2 factor authentication with a passcode and fingerprint, and am doing all this from my registered device. I WANT MY MONEY!!!! i need to pay bills and its literally stolen by venmo

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I received a letter from Chase bank stated that company will close my checking account ( with them for the last 32 years ) and all my credit cards connected to chase. I called the XXXX number and the customer service said that they have the right to close my account as much that I have the right to close my account. I went to the nearest chase bank along XXXX XXXX XXXX XXXXXXXX XXXX XXXX and they stated that they don't have the specifiec answer why chase is closing my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Per the FCRA as a federally protected consumer I have opted out from any and all authorization ( unwritten, written, verbal, non verbal ) as per 15 USC 6802-05. A 1099-C hasn't been furnished as this account has been reported as a charge off which consists as income for the creditor comenity Bank. This violates FDIC, FDCPA and UCC laws. Sharing my information with a non affiliates third party ( MIDLAND CREDIT MGMT ) VIOLATES 15USC6802-05.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Portfolio Recov assoc is reporting invalid info on my credit and its harming my credit report. This is a direct violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX Dispute Department- 15 U.S. $ 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 the receipt. It has been 30 days and you are in violation of this law because I am a victim of identity theft. Please delete immediately.

These accounts should not be furnished on my consumer report as they are in violation. Under, 15 US 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 : In accordance with the written instruction to the consumer it relates to. I never gave any consumer reporting agency written consent to report anything on my credit 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 below.

Please remove all inquiries which I did not authorize or give consent : Hard inquiries XXXX XXXX Inquired onXX/XX/XXXX On record untilXX/XX/XXXX XXXX XXXX XXXX XXXX VIA DEALER Inquired onXXXX On record untilXX/XX/XXXX XXXX XXXX XXXX Inquired onXX/XX/XXXX On record untilXX/XX/XXXX XXXX XXXX XXXX Inquired onXX/XX/XXXX On record untilXX/XX/XXXX XXXX XXXX Inquired onXX/XX/XXXX On record untilXXXX XXXX XXXX XXXX  Inquired XXXX On record untilXX/XX/XXXX XXXX XXXX Inquired XXXX On record untilXX/XX/XXXX XXXX XXXX XXXX XXXX VIA DEALER Inquired XXXX On record untilXX/XX/XXXX XXXX XXXX XXXX Inquired XXXX On record XXXX XXXX XXXX XXXX XXXX XXXX Inquired XXXX On record untilXX/XX/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 non-monetary relief