vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-01 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: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
On XX/XX/XXXX I noticed an unauthorized charge for {$62.00} on a credit card ending in XXXX issued from Barclays. This was unsetteling for XXXX reasons - the first was I never activated the card, so no charges should have been allowed on it and the second was I didn't have a subscription to XXXX XXXX Live. I had cancelled it back in XXXX of XXXX. 

I immediately called Barclays to dispute this and gave them all the pertinent information. I received a letter from Barclays dated XX/XX/XXXX acknowleding the dispute and another letter dated XX/XX/XXXX stating they were awaiting a response from XXXX. 

In XXXX of XXXX the charge of {$62.00} was reversed and then put back on the card. I started getting charged interest, penalties and late fees for a fraudulent charge on an inactive card!! Very frustrating. 

I received a letter dated XX/XX/XXXX from Barclays stating that the credit limit on the same credit card was lowered to {$500.00} because it was delinquent. 

On XX/XX/XXXX, I called XXXX several times and finally spoke to a XXXX XXXX XXXXXXXX We spoke for XXXX XXXX  and they informed me they had no record of the credit card on file and that is was fraud. 

I reported the card as compromised to Barclays and then received a letter dated XX/XX/XXXX stating that the card ending in XXXX has been closed due to suspicious activity. 

I wrote a letter to Barclays with a copy to the CFPB on XX/XX/XXXX with a full explanation of what happened and Barclays refusal to fix the fraudulent charge on the card ending in XXXX. 

I then received another letter from Barclays dated XX/XX/XXXX stating that they would not credit my account because they were not provided with the true nature of the dispute when first notified of the claim. This is UNTRUE as I explained the nature in my calls and in my letter. 

I received a letter dated XX/XX/XXXX saying my account had been closed because it was past due. 

The Barclays case number for my complaint is XXXX XXXXXXXX.

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 2024-02-01 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: John C. Heath, Attorney at Law, PLLC
State: LA

Complaint narrative:
I was a client of Lexington law whom i was approached will researching mortgage loans for bad credit. I was solicited for credit repair where i gave all of my personal information to who I thought was a Lexington law rep i paid them a XXXX dollar upfront fee on the first call and then later agreed to monthly payments for them to help me fix my credit of which was not done I fell behind on the payments and then later re enlisted the services for further help of which was to help to my credit history or score until I finally got fed up and terminated their services this was around the XXXX or XXXX I'm not really sure of the exact dates because it was in a period where my family had just lost everything in a house fire that destroyed our home and from which we never recovered it is the reason why I needed their services and why I am filing this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citi Bank doesn't honor my signup bonus rewards. I opened a new business checking account and a new business money market " XXXX '' account on XX/XX/XXXXXXXX  and maintained at least a {$25000.00} combined deposit in both accounts for 60 days. To this day, I still have at least {$25000.00} in the two accounts. So, I have maintained the fund for almost half a year already. I am supposed to get a sign-up promo of {$700.00} by XX/XX/XXXX. I made numerous calls and emails. Today, as of XX/XX/XXXX, they only honored {$500.00}, saying they can't find the original promotion in the system anymore. I have the physical promo flyer in my hand. But the customer service at XXXX said they can't do anything without a promo code. There is no promo code printed on the brochure whatsoever. The banker XXXX XXXX who opened my account doesn't answer my call or my email at all, maybe he already left Citi already. The new banker XXXX XXXX at the XXXX XXXX branch ( XXXX XXXX XXXX, XXXX, CA XXXX ), where I opened my account, said he has no ability to trace back or find any promo code. It's big bank fraud over consumers. I did exactly what the promo said I needed to do and didnt get anything. I spent at least 20 hours contacting at least 10 Citi banks in different branches and called at least 20 times about this, and no one was willing to help. Citi lied entirely to me to use our money for free for so long without even honoring the bonus.

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 2024-02-01 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: TX

Complaint narrative:
I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a Experian & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher peoples information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can be get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items arent removed immediately.

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 2024-02-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: NFM, INC
State: CA

Complaint narrative:
On XX/XX/2023 we applied for affordable ownership. XXXX lending, denied to access for credit for affordable program, when our household were qualified for instance ; they offered an approval for buy someplace else, but not for those affordable homes in master community with XXXX homes value are. We were race discriminated, they violated the Fair Housing Act and True Lending Act. 

NFM Lending and XXXX XXXX don't following the XXXX  of health and safety code section XXXX Base in our household size an income, which is not over the XXXX XXXX media income for XXXX XXXX XXXX. The sale price they give to us was overpriced for the affordable homes price bracket base in above mentioned. 

The Purchase price for our household was {$580000.00} The public record another was affordable home sold was {$520000.00} The asked price for our household of fourth, area XXXX  income ( XXXX  ), first time home buyers XXXX citizen, good credit, income verification was {$580000.00} This unfair practice by lender told the high sale price ONLY for us, when should following the XXXX  of health and safety code section XXXX, like they did for others households.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-01 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: The Outsource Group, Inc
State: NC

Complaint narrative:
I have multiple invoices from XXXX XXXX XXXX in XXXX XXXX, SC. XXXX XXXX XXXX XXXX XXXX XXXX etc. The hospital uses a company called Medicredit. I have set up two separate payment plans with them with one being an amount I really cant afford. Inpu all of these on a payment plan, but they continue to call to try to collect the debt. If I wasnt paying anything, then I would understand the phone calls to collect the debt. This is now harassment and I have Generalized XXXX. Im asking Medicredit or XXXX XXXX XXXX to no longer contact me unless for some reason I need to renegotiate the payment plan due to loss of employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
My husband and I have a CD in Capital One bank that will mature on XXXX XXXX. We wish to cash out the CD, at maturity on XXXX XXXX, XXXX, and have the money sent to one of two external banks that are linked to the CD account. Capital One has told us that they will not do this due to a restrictionon our account. The nature of this restriction or why it is in effect Capital One would not explain to us. We have had previous joint CDs in Capital One without any problem. 
We have been aware of the restriction for a couple of weeks and have tried to have it lifted. Apparently this has something to do with me adding my husband as joint owner of the CD after opening the CD. My husband had a lengthy back and forth with Capital One over the phone. They did not like that his cell phone is a corporate one and is not in his name. They asked for a photo of his drivers license. My husband at age XXXX does not have the most steady hands and the image was rejected. The next day we faxed a high-resolution scan of my husbands drivers license to Capital One. This did not help. 
Preferably we would like this to be resolved by XX/XX/. 
It is our right to close the CD and receive the full mature value of the CD on XX/XX/.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 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: TOYOTA MOTOR CREDIT CORPORATION
State: MD

Complaint narrative:
15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
Hello, I hope this message finds you well. I am writing to address a matter concerning a collection account from National Credit Systems, totaling {$1700.00}, dated XX/XX/2018. The original creditor, as indicated on my credit report, is XXXX XXXX XXXX. The associated account number on my XXXX  Credit report is XXXX. 

I want to clarify that I have never entered into a lease agreement with XXXX XXXX XXXX. Despite numerous attempts to contact them, I have been unable to resolve this issue. Additionally, I have reached out to XXXX XXXX, XXXX XXXX  Supervisor at XXXX, who has confirmed that no records of my existence are present in their system. 

I kindly request your assistance in rectifying this matter promptly. It is my sincere hope that we can resolve and remove this discrepancy from my credit report once and for all. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Williams & Fudge, Inc
State: NJ

Complaint narrative:
XXXX  ago, in XXXX XXXX XXXX. A debt company had contacted me to collect debt from college that I had attended. This college was attempting to collect XXXX from me. I was orginally given XXXX scholarship grant for XXXX years of college. I was then told by financial aid that I owed XXXX for every semester and that only XXXX was used from grant. I ignored this as I was given scholarship so it did not make sense why I owed money where no in grant stated I would owe money after. The debt company and I made payment plan that would take my bank money for XXXX but instead, XXXX was taken out every XXXX weeks. I have not made payment and I decided to contact lawyer. This debt company as since called my workplace and I told them to ONLY directly contact me ONLY. The company has since called my job a total of XXXX times already. The man who is calling my job is named XXXX from William & Fudge Company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX of XXXX  I made a utility payment in the amount of {XXXX} in an error and overpaid my utility for my XXXX  XXXX XXXX XXXX bill. The bill due had already been paid. I overpaid in the amount of XXXX}. Once I realize that I contacted the bank on XX/XX/year> the bill pay representative contacted the California water service company that I overpaid the amount and verified that it was in fact an overpayment. XXXX XXXX XXXX  advised the bill pay representative that they would be refunding the money, the same way it was paid by electronic bill pay. The Bank of America customer service representative documented that information from XXXX XXXX XXXX in an email and forward it to me. Several weeks had gone by and I recontacted Bank of America and they said they didnt get the transfer for the refund. I then contacted California water service company and they indicated they had in fact documentation of the refund being sent back to Bank of America on XX/XX/year>. I contacted Bank of America and they advised they did receive the refund. However, they were not going to put the funds back into my account because they were doing an investigation to see if in fact it was my rightful money coming back to me. They had already confirmed this by contacting the XXXX  XXXX XXXX XXXX on their own several times however they are refusing to give me my money back theyre withholding the {XXXX} that I overpaid the XXXX  XXXX XXXX my utility. In fact, they even went as far as saying, the only way that they would process a temporary credit in the amount of {XXXX  was if I was overdrawn, which doesnt make sense to me. which in essence theyre saying that I would have to have a XXXX balance or go into a negative overdraft and a crew a fee before they would give me the money which is rightfully mine to begin with {XXXX 

Bank of America is unlawfully withholding, my electronic refund that has been several times verified that it is in fact a refund from an overpayment that had already been sent back to the bank, the same way it was paid out. I believe theyre violating my fourth amendment rights due to an unlawful XXXX or withholding money that is legally and rightfully mine. I am a retired, law-enforcement officer, and in no way have I ever heard of any banking institution withholding money that is rightfully consumers. I feel they are fraud, the consumers so that they can hold onto money and a crew interest on their end. 

Bank of America needs to be audited for this reason. Surely I can not be the only one that they are doing this to this is an unfair business practice and quite honestly extremely unethical.

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 2024-02-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
In XXXX XXXX : Transunion use an account that was closed and part of a bankruptcy case to decrease my credit score in excess in an unfair way that decreased my credit score by XXXX points. This was unfair discrimination, retaliation behavior in a recent dispute on my credit report and this action Transunion did was not reasonable. In comparison to a recent change to my credit report with this agency I paid down a credit card account significantly. Transunion didn't increase my score fairly as to the same magnitude and fair as they did based on how they decreased my credit score. I feel this type of action on my credit report was discrimination and negligent. They failed to exercise proper care or taken action that is reasonable in regards to my credit information in which that is negligent, retaliatory unfair discriminant behavior. 
Negligent Violations Willful Violations

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 2024-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
My XXXX XXXX XXXX  account was closed due to a false report from the XXXX driver company. XXXXXXXX XXXX XXXX has been holding my funds hostage. They claimed they would send a check for my remaining funds but never have. Its been over a week at this point. My XXXX XXXX XXXX  account is linked to my XXXX driver account. This is where my earnings go directly. 

Context : XXXX shut down my XXXX driver account within 24 hrs of me renting through the XXXX XXXXXXXX XXXX. This program allows XXXX drivers to rent a XXXX through the XXXX XXXX XXXX. The company has stipulations. You must complete at least 30 trips within the week, and you get charged on a weekly bases. As I mentioned earlier, XXXX shut off access to my XXXX driver account within 24 hrs of me receiving the rental that I paid. They said that they were doing a safety investigation. This so called investigation happened to last a week and be over the day after I had to return the rental. My XXXX account is now active. XXXX scammed me as well as other people. So in a nutshell, XXXX conspired to shut down my account, use their power to shut down my bank account, then XXXX fraudulently charged, then fraudulently overcharged me. I have evidence for everything. 


To explain the XXXX charges : *To clarify the following explains the fraudulent charges charged to my XXXXXXXX XXXX account after it was closed for no reason and in a discriminatory fashion. I called the bank and found out that my remains balance wont be sent to me ( as they said ) because XXXX overdrafted my account after it was closed. 

These are fraudulent charges. XXXX did not give me the XXXX at XXXX percent full, it wasn't even half of that. 
They charged me for an extra day, when I returned it the same day. The employee that handed me the keys told me it doesnt matter what time its returned that day because the car was given to me hours after my reservation time. He is recorded saying this. 
The cleaning fee is fraudulent. I took pictures of the interior and exterior. 
The XXXX rental itself is fraudulent. XXXX shut down my XXXX account within 24 hrs of my XXXX XXXX XXXX  ( 1 week reservation ). 
Ive added phot evidence of the charges

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 2024-02-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I used auto debit from my checking account tied to my credit card, which the card was from the same bank. At various times I would change the amounts auto debited to pay my credit card bill. Unbeknownst to me the new amount would not cancel the old amount so they would stack on top of each other. I was dealing with my dads health issues so I didnt realize what was happening. Then it just became a vicious circle of them taking money out of my checking account, putting me in the hole then they would take cash out of my card to put back into the checking. And all this time Im paying all this interest and fees, just a merry go round of money. When my bank was Suntrust the new auto debit I would select would cancel out the old auto debit. Apparently Truist changed it up. They told me thats not the way it works. I was dumbfounded how they go about auto debit to make payments. I have all the old account records from the day they became Truist. Closed out account on XXXX  and theyre still saying I owe them money. XXXX bank!

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