vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-25 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: NC

Complaint narrative:
Fraud due to unauthorized XXXX and XXXX transactions totaling {$11000.00} These transactions occurred over the course of 3 days within the last week Bank of America checking account. We have a low confidence level that these funds will be returned. It has been very difficult to reach departments to get a clear answer on our situation. Key correspondence with details will be uploaded below.

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 2023-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
TransUnion has been notified on several attempts that I can not access my credit report they just keep telling me to call back at a later date maybe give their system time to refresh I have tried this several times

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 2023-01-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bull City Financial Solutions, Inc
State: AL

Complaint narrative:
These claims were being submitted to me as the individual, instead of my insurance carrier, who is the XXXX XXXX. I am a full XXXX veteran, who receives full medical benefits from the military Veteran Administration and have since XXXX. My inpatient stay was for XXXX and this claim along with 1 more were never submitted to the correct entity. I am not responsible for this amount or claim. 
The first claim is for XXXX for XXXX XXXX XXXX XXXX XXXX and the other is for XXXX for XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Aldous & Associates, PLLC
State: ID

Complaint narrative:
Called a company called also us and associates but it was a scam article in XXXX search. They wouldnt take my payment for the debt but tried convincing me to dispute the debt. This was after he took my info. I.e credit card info, social security, date of birth, and address, and also email. The attached photo is a screen shot of the email sent from said company they wanted me to sign a contract. My name isnt even spelled right and that was my first red flag

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: TX

Complaint narrative:
I'm concerned with my employment certification for Public Service Loan Forgiveness ( PSLF ) and eligibility for the XXXX limited waiver. I've spoken to representatives at least 5 different occasions including phone calls and chat options. Each time they've said we have received your new employment certification and it will take up to 90 days for review. After the 90 days passed in XXXX, I noticed on the Mohela website that on XX/XX/2022 they denied my new submission stating it was a duplicate. Not once during those calls with representatives did they say that they had already denied it. I called back in XXXX asking why it was denied when it was clearly not a duplicate application. The lady apologized saying that she would resubmit for processing and again it will take up to 90 days. This will be the 3rd time I've been told another 90 days even though they made the mistake twice now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
When a large amount of money was deposited into my account see where I have been getting alerts regarding someone trying to get into
My account, I also reached regarding unauthorized purchases let alone every time I log to check money I notice my money was becoming lower and lower with this account I rarely could keep a $1.00 in it due to money always seems to vanish from my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-25 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Synchrony Bank closed 5 of my accounts with them this past fall. All 5 accounts had XXXX balances. 4 of the 5 closed accounts had been active within 90 days prior to closing. None had ever had a single late payment and all had relatively healthy credit limits, a few of which had very been recently raised by Synchrony ( mere days before closure ), demonstrating my credit worthiness, according to their own criteria. My one remaining account with Synchrony, a XXXX issued credit card, has since had a credit limit increase. Again, this demonstrates the creditor 's endorsement of my credit worthiness. 

My credit score at the time of closure by Synchrony was hovering in the XXXX range and showed 100 % on time payments across ALL accounts of record. My job has not changed in 8.5 years, though my income has increased steadily over that time. My debt to income ratio at the time of closure was at its all time best.

In addition to the closure, I had rewards points accumulated on my Synchrony Bank issued XXXX. All points were wiped out with their unilateral closure of that account and I was told they were forfeited upon closure. This is unacceptable and Synchrony Bank has been sued in California for this very practice ( and lost ). If they are not going to honor their rewards points agreements, what good is having a rewards card? 

I have recently discovered online hundreds of other similar complaints by consumers for similar closures or unwarranted lowering of debtors ' credit limits by Synchrony bank, demonstrating a pattern of bad faith practices on the part of this creditor. This practice makes it difficult for consumers to maintain high/optimal credit scores when their accounts are arbitrarily closed by the creditor with no explanation or warning. They must be reigned in from continuing this practice. What is the government prepared to do about this on behalf of consumers everywhere?

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 2023-01-25 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: ID

Complaint narrative:
I opened a Capital One Venture credit card using XXXX XXXX and was granted a {$5000.00} credit line. Approximately 1 month after opening the card my card was declined and when I checked my account through the Capital One app on my phone and discovered my card was listed as " restricted ''. At this point I had not received any communication written or verbal from Capital One that there was any problem with my account. 

I called Capital One three separate times between XXXX XXXX XXXX and each time was told I needed to call back to reach a separate department. When I was able to finally get in touch with a representative from that unnamed department on XX/XX/2023 I was informed by " XXXX '' that my account was closed because they " discovered adverse legal action involving an individual or entity associated with the account ''. It was also relayed to me that it was the primary account holder and not the authorized user. ( My girlfriend is the authorized user on the account. ) When I asked for the representative to identify the source of the " adverse past or present legal action '' and was told there was not other information available. Capital One has failed to provide the specific information they relied on to terminate my account and the source of that information of which I am entitled to under ECOA. 

As of today, XX/XX/2023, I have still not received any additional communication from Capital One, besides my direct phone calls to them, regarding the closure of my account. I have checked my credit report and there is nothing on it that would indicate ongoing legal action. I have been approved for other credit cards without anything like this happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-01-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I contacted capital one bank about an unauthorized transaction that occurred on my debit card for merchant names XXXX. I made this call as soon as I was aware of charges on XX/XX/XXXX. I never have conducted business with this merchant and I only see two transactions from them XX/XX/XXXX for {$850.00} and XX/XX/XXXX for {$77.00} never had I conducted business with them before the bank denied this even though I never made this transaction Claim ID XXXX I received a new debit card to stop this from happening but the dispute was never resolved further. I have never conducted business with this merchant my bank said this was in Nevada I believe and Ive never been to Nevada ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 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: MS

Complaint narrative:
I sent a letter before as a result of fraud. They did not accurately respond to my dispaute or send verifications that accounts belong 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 2023-01-25 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Optio Solutions, LLC
State: TX

Complaint narrative:
Attempting to collect {$5100.00} for work that would have been no more than {$1900.00} if the work would had been completed. {$1000.00} was paid prior to the start of any work. 

I have received a " second notice '' dated XX/XX/2023, after sending my requests and disputing debt with XXXX XXXX XXXX to the address listed on the notice as indicated on the notice. This notice has a different out of state address : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX and same phone number XXXX XXXX, with only recorded lines. First correspondence was sent on XX/XX/2023, with and estimated delivery of XX/XX/XXXX Tracking # XXXX to XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, as indicated on the collection notice. I have yet to receive communication regarding completing work or an itemization of actual work done. 

This company is using unethical practices to collect debts that are not owed to them. 

Documents attached showing {$1000.00} payment, estimate for work that XXXX was contracted, and picture of a portion of the incomplete work. Half of area painted, and paint does not match. I will be sending another certified letter to the new address provided on today XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I have open an account with them and they close my account for a reason that I feel was unfair and unjust

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 2023-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
On XX/XX/2023, Capital One erroneously sent a XXXX payment to a vendor for {$4700.00} and is refusing to return the money that they should not have sent out. After I filed a claim, the claim was subsequently rejected and they never told me. I have spent hours trying to get my money back and they won't give me an explanation to why the error occurred and what to do next.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 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: FL

Complaint narrative:
On XXXX XXXX I sent a letter to collection agency XXXX XXXX XXXX. They received letter XX/XX/2022, which is stamped on the Certified receipt. I have attached Certified receipt. Requesting full validation of Account # XXXX. I have attached letter I sent over to them. They have violated my rights as a consumer, not once but twice! First they sent me itemized receipt of account listed on my credit reports, their itemized letter clearly says I have a balance due of {$290.00} but on my credit report it is showing a balance of {$320.00}, I have attached a photo of that account showing on my credit file. So they are reporting inaccurate information on my credit reports. Second Violation they never put a " notice of dispute '' after 30 days of receiving my dispute, As you can see on the photo I submitted nothing was ever put under the comment section, they have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. As per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.

( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ) As you have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe, and I have evidence of such, via certified mail receipts, you must now remove the item.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 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: FL

Complaint narrative:
On XXXX XXXX I sent a letter to collection agency XXXX XXXX XXXX. They received letter XX/XX/2022, which is stamped on the Certified receipt. I have attached Certified receipt. Requesting full validation of Account # XXXX. I have attached letter I sent over to them. They have violated my rights as a consumer, not once but twice! First they sent me itemized receipt of account listed on my credit reports, their itemized letter clearly says I have a balance due of {$290.00} but on my credit report it is showing a balance of {$320.00}, I have attached a photo of that account showing on my credit file. So they are reporting inaccurate information on my credit reports. Second Violation they never put a " notice of dispute '' after 30 days of receiving my dispute, As you can see on the photo I submitted nothing was ever put under the comment section, they have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. As per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.

( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ) As you have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe, and I have evidence of such, via certified mail receipts, you must now remove the item.

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 2023-01-25 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NC

Complaint narrative:
This company called me numerous times before XXXX am and to XXXX XXXX were I had to block them. I do not owe these people money. I do not know who this company is.

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 2023-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
On XXXX XX/XX/XXXX, I mailed a check, in the amount of {$1100.00}, to XXXX XXXX. 2+ weeks later XXXX notified me that they never received the check. I went to a local Citizens bank branch ( XXXXXXXX XXXX  XXXX ) and they pulled up a digital copy of the check ( # XXXX ). The " payee '' line had a name clumsily written over the original. They began the claim process. 
I received a letter on XXXX XXXX XXXX that they were working on it. I waited until the middle of XXXX to call about progress. The agent told me that it may take another 3 month for resolution. Called, again, in the middle of XXXX XXXX, no progress. Called in early XXXX XXXX... no progress. Called today, was told XXXX bank denies payment. 
I feel, nearly, 7 months, after the fact, is plenty of time to return my money. I have a photocopy of the check ( but, at present, can not forward it to you ). Let me know if you should need it. My phone number is XXXX. Thanks, very much for any help in this matter. 

XXXX XXXX XXXX XXXX. Claim Number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XX/XX/2022 XX/XX/2022 XX/XX/2022 I've sent driver 's license and social security card. 
I've even called and tried to get it corrected.

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 2023-01-25 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: DriveTime
State: MO

Complaint narrative:
My phone was stolen an someone decided to apply for different credit cards an sign up for things that I know i wouldn't get a approved for my ID copies of my social where in my phone so all my information was compromised an I've called several companies to let them know I never applied for a credit card loan or nothing eles am nothing has been done I don't need all these extra things on my credit when I'm trying to establish my credit I Need help getting this credit cards an loans I never applied for off my account asap

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
Massive overdaft fees to my checking/savings account that were applied when there was avaialbe funds.

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