vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
This is so unfair I applied in store for my sacks credit card and then the bank that processed this application declined me without even pulling my credit report how is this valid or fair I was told to apply in store for the XXXX version and I did and they treat me and my application like this their system automatically declined me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XXXX the XXXX 2021 My bank card was stolen and in this process XXXX Dollars was taken from my account at XXXX and XXXX was taken at XXXX. When I reported the theft to truest bank they said they would investigate the suspected both of my checking accounts they investigated I'm thinking I'm gon na get my money back and at the end of the day XXXX later they declined the investigation said there was no fraudulent activity and myContinued to go deeper a deeper and debt. Overdraft feeds after overdraft be after overdraft fee XXXX different accounts were affected. And to this day they finally closed the account I was almost a {$1000.00} overdrawn in XXXX and XXXX and some dollars overdone in the other account. They informed me that there was nothing else I could do to make them give me back my money I have been wronged by this bank and I am almost {$2000.00} a debt because of it and they say there's nothing I can do. I would greatly appreciate any attention or time that you could put into this to please give me back my funds almost {$600.00} is where it started.

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 2022-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Theres are XXXX closed accounts that are showing opened still and its increasing balances every other month. XXXX XXXX  and XXXX XXXX XXXX. First Both are not mines second, theyre opened even though they supposed to be charged off with balance increasing almost monthly. XXXX with a little over XXXX now showing almost XXXX balance? Please investigate, validate and remove. I belive its fraudulent on what theyre doing. Screenshots are provided

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Theres are XXXX closed accounts that are showing opened still and its increasing balances every other month. XXXX XXXX  and XXXX XXXX XXXX. First Both are not mines second, theyre opened even though they supposed to be charged off with balance increasing almost monthly. XXXX with a little over XXXX now showing almost XXXX balance? Please investigate, validate and remove. I belive its fraudulent on what theyre doing. Screenshots are provided

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 2022-03-26 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Recovery Solutions, LLC
State: WA

Complaint narrative:
I have requested verification of the debt National Recovery Solutions LLC claims that I owe on XXXX separate occasions. They have failed to send anything other than a requests for payment. They once sent me a collection with double the amount the original collection said. This company runs on an unsecure website and expects you to put your personal and card information, no thanks. Past that, they can't prove debt owed. The only " verification of debt '' sent to me was an amount {$6000.00} less than what they are claiming I owe, which that debt has been settled with the appropriate facility. 
At this point this company is assumed a complete and utter fraud. Unsecure site, refusal/inability to verify debt, and different collection amounts being sent at different times ranging from $ XXXX {$16000.00}. This is harassment and against the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Sequium Asset Solutions, LLC
State: MI

Complaint narrative:
I've been receiving several calls per day ( see attached screenshots ) from Sequium Asset Solutions , LLC ( http : //www.sequium.com/ ) who are using a telephone number spoofing service to appear that they are calling from my area code ( the area code for my phone is XXXX, which is the XXXX area of XXXX XXXX. They are based out of XXXX, and even admitted to this while I was in communication with them. The last individual I spoke to from their call center, likely outsourced to XXXX, had a very thick XXXX accent and claimed his name was " XXXX XXXX ''. They do NOT have prior permission to call my personal phone number, nor have they ever received permission to call my personal phone number. 

While I am from XXXXXXXX XXXX, I currently live in XXXX and have been living here for several years. My current number is a rather new number and I have no contacts ( including family ) from the XXXX area nor anyone from that area who has my number. As you can see from the screenshot provided, the spoofing algorithm from whatever likely illegal service they use for this sort of calling is rather lazy and there is little variation in the spoofed numbers they call from. 

You may contact me for more info.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26 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: WA

Complaint narrative:
This morning ( XX/XX/22 ), I woke up to XXXX emails that my debit card had been declined XXXX times for charges of {$1.00} each in XXXX, CA. I live in WA and my card never left my wallet. I logged into my account and found that XXXX charges, XXXX for {$1100.00}, another for {$1100.00}, both in XXXX, TX, were made while I was asleep. I called my bank immediately upon waking up and seeing the alerts on the XXXX miniscule declined charges, Wells Fargo, and they are opening a claim on these XXXX major charges and sending me another debit card. Wells Fargo has not followed through with fraudulent charges in the past and I want to make sure that I get this money back soon because it is a significant amount that I am counting on.

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 2022-03-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I am filing this complaint against Citibank, I received a grant from the Small Business Administration due to the COVID pandemic. The money was deposited into Citibank and they closed the account. I have provided all the requested proof they requested concerning where the money originated from and Citibank has refused to cooperate with me to have access to my funds. I contacted Citibank and they will not talk to me about this problem, and it has been ongoing since XX/XX/2020. The total amount of the money is {$15000.00}. A deposit of {$5000.00} in early XXXX and a second deposit of {$10000.00} on XX/XX/2020. The account number is as follows : XXXX. XXXX XXXX, is the name on the above account, and my email is as follows 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 2022-03-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Someone opened an account in my name ( stole identity ) and opened account with Bank of America. 
This was on or about XX/XX/22. 
I contacted Bank of America fraud protection soon after. 
They filed a fraud report and sent me an affidavit electronically. I filled and returned it within 2 days via us mail. 
I continue to receive account statements over one month later. 
The statements show someone named XXXX XXXX took one dollar out. on XX/XX/22. 
They show 2 XXXX transfers in both on XX/XX/22. 
XXXX XXXX conf # XXXX, name of XXXX XXXX. 
XXXX XXXX conf # XXXX, name of XXXX XXXX. 
I'm waiting for the process to complete but I continue to get emails and bank statements from Bank of America. I sent in the required affidavits 2-3 weeks ago ( XX/XX/XXXX ) but they continue to say they have not received saying that 'the mail may be slow ' etc...

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 2022-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have reached out to TRANS UNION on several occasions concerning this matter. On XX/XX/2022, I sent TRANS UNION another certified mail letter with a copy of my identification card, requesting they remove a name that does not belong to me and more personal information be removed for privacy purposes from my consumer report and I have yet to receive a response. 
TRANS UNION is in violation of my rights as a Federally Protected Consumer.

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 2022-03-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE
State: OH

Complaint narrative:
After many years of having an XXXX XXXX we were informed last XXXX that our account would now be with Barclays. I immediately informed XXXX that I did NOT want an account with this lender and they did NOT have my permission to transfer my account or my info to Barclays. Within a few days credit cards arrived demonstrating that they had done exactly what I told them not to. Somehow there were even charges on the card even though we shredded them the day they arrived and never used them. I have written to Barclays and XXXX and called both numerous times and to this day the {$25000.00} account remains open. I did receive a statement with a zero balance months ago but see through XXXX that the account remains open. I also disputed this through XXXX. I have literally been transfered from one country to another in an attempt to close this account. My most recent contact was a call to Barclays several weeks ago again asking that the card be closed and that I receive documentation stating such. I have not received any communication from 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 explanation
Consumer complaint received 2022-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Fraudulent inquiries and inaccurate account information

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 2022-03-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: PENTAGON FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Someone might have used my name, phone number and email address to open a savings account with PenFed Credit Union. I called the bank and they could not confirm how that happened. I would like to report this incase it affects my credit score.

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 2022-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: O&L LAW GROUP, P.L.
State: MD

Complaint narrative:
Today I realized that around {$6000.00} USD was withdrawn from my account from a law firm called O & L Law Group on a Legal Order. I have no idea what this debt is about. This company nor another agency has contacted me about this debt. If it is mine, I am willing to have set up a payment plan. Now, I have no money on my bank account, and I don't even have money for rent, food, or gas. This type of action shouldn't be legal. Please help. 

Also, I have received 2 letters from different companies that I have applied for loans which I have not. I am not sure if this is all connected. 

This is the law firm website : http : //www.ollawgroup.com/ These are the other two companies saying that I have applied for loans : Prosper XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Plus XXXX XXXX XXXX XXXX, AZ 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 2022-03-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I made a {$20.00} purchase that got classified as a cash advance on XX/XX/XXXX. I then made a payment for {$1500.00} on XX/XX/XXXX ( my minimum payment was about {$50.00} ). The amount I paid over the minimum was supposed to be credited towards the cash advance but it wasnt. When I spoke with the credit company on XX/XX/XXXX, they said I need to make another {$20.00} payment. When I tried to make a payment online, it wouldnt allow it saying Ive made too many payments from a non-Wells Fargo account for the month. Im currently paying interest on the cash advance balance even though Ive paid more than enough to cover the purchase

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 2022-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
The peoples United bank is closing my account. I am a SSDI recipient they have failed to investigate fraud and violated FDIC regulations. Upon your response I will give you further details of where to find documents sent to other agencies asking for help. I have been defrauded and abused as a human being in medical facilities and the states of MA and CT law enforcement, courts, hospitals, and this financial institution of using an illegal committment to say I am incompetent of legal matters and defraud a SSDI recipient. XXXX XXXX and XXXX XXXX and their family and personal ; connections are trying to abuse me into dropping a very serious abuse complaint at the VA and bank fraud has been reported several times, and now they are violating FDIC regulations to close my account. Please help me I am socially XXXX do to trauma and they have all taken advantage of my condition for their own benefit. I am an SSDI recipient and have banking rights as I am in charge of my own finances. They also refused to let me update my address.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 2022-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Suttell, Hammer & White, P.S
State: OR

Complaint narrative:
my finance company sent them a check and they sent it back to me after they agreed to a seiten amount they refused m payment. stating they wont full payment since i refinanced

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 2022-03-26 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: NJ

Complaint narrative:
XXXX BANK XXXX The results of the requested investigation did not produce the documentation from that investigation or make any changes to my credit profile. Therefore they, XXXX BANK have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX, XXXX. I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX BANK XXXX The results of the requested investigation did not produce the documentation from that investigation or make any changes to my credit profile. Therefore they, XXXX BANK have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX, XXXX. I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.

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 2022-03-26 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: U.S. BANCORP
State: IL

Complaint narrative:
Account inquires i did not all or give authorization dates 2 different account bout for XXXX, 2022 and XX/XX/2022.

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 2022-03-26 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: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
SYNCHRONY XXXX  XXXX The results of the requested investigation did not produce the documentation of that investigation or update my credit profile. Therefore they have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX, XXXX. I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.

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