vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Upstart Holdings, Inc.
State: TX

Complaint narrative:
I have taken out XXXX loans with Upstart. Over the past few months, when attempting to access my accounts with a representative on the phone or through the Upstart website, XXXX of the loans are unavailable. Representatives can not find the loans in the system. Although Upstart loans are offered and reported to the credit bureaus under the Upstart name, Upstart representatives are unable to service or even view certain loans. As a lender, there are certain responsibilities that Upstart has to its customers. Simple servicing of loans is XXXX of them. Drawing payments and reporting to credit on loans that their representatives can not access is unacceptable. From a consumer standpoint, a company is failing when it can draw payments on XXXX account, report negative credit markers on another account, but can access neither when a customer seeks to take action on loans. Without access to loan accounts, customers have no remedy for late payments and are left to sit and watch while their credit scores are decimated because of Upstarts inability to do the most basic of things - service its loans. I have repeatedly asked for assistance from upstart representatives, to no avail. When I request documentation of XXXX particular loan that is impacting my credit, I receive documentation regarding an entirely separate loan. The level of confusion and disorganization at Upstart is such that, in my mind and likely the minds of other customers, the company brand is little more than XXXX of abject negligence regarding its most basic responsibilities and blatant disregard for consumers. 

As of the date of this complaint, Upstart has not produced any documentation on the loan negatively impacting my credit, and has provided no options to pay the loan and make it current. They repeatedly tell me that they can not find it in their " system, '' and are giving me no option but to seek remedy through external sources including CFPB, the State Attorney General, and potentially legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 00:00:00
Product: Credit reporting, credit repair services, 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: MS

Complaint narrative:
You have recently checked my credit report and seen some inquiries I did not authorize : XXXX XXXX XXXX ( Experian ) XXXX XXXX XXXX  ( XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I signed up for a Bank of America XXXX XXXX XXXX Credit Card and was offered {$200.00} if I spent {$500.00} on this line of credit during my first 90 days of being a cardholder. Because of this, I ended up financially stretching myself because I wanted to receive the sign up offer. After completing the qualifying purchases and verifying with a banker, I was told the sign-up bonus was inbound. Of course, I never received it. I have contacted numerous BofA branches and they act like they do not know what I am talking about.

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 2023-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
I contacted Suntrust, which is now truist back in XXXX about fraudulent activity involving XXXX purchases, I never made. My case ID was XXXX. I was later told my claim was denied and my account was closed shortly there after. They say one has nothing to do with the other, but its there bank and they can close an account at their discretion. Fine. However, I have been fighting for going on XXXX years with XXXX to retrieve my funds back. I filed an FTC report, XXXX report, etc. finally as of Friday, XX/XX/XXXX, of XXXX, an XXXX corporate office representative called me and expressed their remorse, they looked into everything and said, they would be more than happy to return my funds, however, they never received a chargeback request from Suntrust now truist. Thats right for 2 years I have been in the battlefield fighting to get my funds back from XXXX, and my bank at the time, NEVER even sent a chargeback request to XXXX on my behalf. Furthermore, the agent verified that the address the items were being sent to, was different than my address I gave. The agent said their was very little they could do, without receiving something from my bank at the time SUNTRUST ( XXXX ). I worked my butt off for my money and Suntrust did an independent investigation, and not once did they request anything from XXXX, or request a chargeback. The XXXX agent said they cant just issue any refunds because it has to come from the bank, and i definitely understand that. This entire time Suntrust had me thinking XXXX denied my chargeback. Ive spent XXXX years learning and understanding the banking system, just to figure out how to retrieve my hard earned 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
Consumer complaint received 2023-07-13 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor, XXXX Account XXXX has violated my rights under 15 USC 1681 section 6 0 2 states I have the right to privacy 15 USC 1681 section 604 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2023-07-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX I opened a savings account with Citizens Access, they were endorsed by XXXX as having a good rate. I Initiated funding from my checking account and my savings account. Citizens stated the transfers would occur in 2-3 business days, it took 6. They took it from checking, stated they could not take it from savings ( no reason why ) so I transferred it from savings to checking so it could be sent from there. 6 days later, I'm checking status, my access to the account is blocked stating I need to fund the account. I start making calls to XXXX, the only option provided. I called several times over several days, no answer while waiting repeatedly for 30-40 minutes at a time. Meanwhile I still can not access the account online, repeatedly blocked and being referred to XXXX number. I decide I don't want my money with them. on the XXXX I finally get a hold of manager XXXX who states he will submit a request to close the account and I can expect my funds to be returned by the end of following week, no later than XXXX. After speaking to him I realized my failure to recall the second transfer, thought they took it without authorization, may have caused confusion ) XX/XX/XXXX, the money was not returned to checking, I tried to transfer the funds myself and the action was blocked. XX/XX/XXXX I speak to a rep who stated a " hold '' was placed on the account the day after XXXX promised me account closure. No reason was given, she said I had to call the following morning and request to speak to the " back office '' to find out why. XX/XX/XXXX XXXX I called, spoke to XXXX who stated that person misinformed me, I could not speak to the account specialists at all, yes there was a hold, no, there is not a reason. She put in an action # XXXX whatever that's supposed to mean. XX/XX/XXXX I call to check status, XXXX tells me the funds would be cleared for release today, available by tomorrow XX/XX/XXXX. I went online after close of XXXX, initiated a transfer to occur XX/XX/XXXX, the transfer was blocked, I was instructed to call XXXX number. XX/XX/XXXX I call the XXXX number, spoke to floor supervisor XXXX who confirmed a hold remained on the account, could not tell my why, could not tell me who, could not tell me when I might expect a resolution. 
That brings me to you. They have {$54000.00} of my money, my entire life 's savings! I'm XXXX XXXX XXXX, I want my money back!! They don't deserve to have it. Meanwhile, they continue to block access to the account, I can not login unless I switch to a different server. I have had to resort to XXXX, XXXX and XXXX just to be able to look at it while not being allowed access in any manner whatsoever. What can be done? This is the equivalent of embezzlement!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: CA

Complaint narrative:
I'm a transitioning union bank member, to US Bank.As union bank members, we have been all being lied to, about that refunds put on our old card get automatically transfered to new card.As most people called to ask this specific question before a activating new card, as I did and was told flawless transfer of funds from old card to new.I called on XX/XX/XXXX, before activating new card.Yesterday I talked to US bank fraud department and am told there is no automatic funds tranfer between cards, and reason my refunds, from XX/XX/XXXX, For {$26.00}, and {$7.00} on XX/XX/XXXX, that us bank has no knowledge of, from XXXX. 
I've talked to around 40 costumer service people, at us bank, all telling me the lie. 
Also person in fraud department, told me funds put on old cards, have undetermined time were funds might be available. 
As us bank costumer service tells you to call merchant, to dispute.After talking to fraud department, was transferred by fraud supervisor to regular costumer service, who I told about what I just learned. 
She was sick to her stomach knowing she had been directed by Us bank to respond to the old card question, and she admitted that many union bank transitioners keep calling wondering were funds are.I have cought this bank in over XXXX lies in my short time with them.so much more to say. So Us bank bald face lieing to costumers to entrap funds for undetermined time.All other union bank transitioners should and need know truth, so to get store credit, instead of funds going into limbo.

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 2023-07-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I filed for XXXX  XXXX Bankruptcy in XXXX of XXXX and included my car loan I received through Capital One Auto Financing. The Bankruptcy Case Number for the state of Louisiana is 20-10445. The amount of the car loan at the time of filing was {$17000.00} ( {$17000.00} secured, and {$630.00} unsecured ). I paid the full {$17000.00} of the secured portion of the debt and I'd only paid {$110.00} of the {$630.00} balance before the case was dismissed at the beginning of XXXX due to non-payment. I lost my job in XXXX of XXXX and was not able to make the final payment of {$520.00} towards the unsecured portion of the car loan debt. 
I received a letter in the mail from Capital One stating I owed {$1600.00} towards the loan. I've attempted to call several times to resolve this issue. I spoke with XXXX, ID # CWI twice, once on XX/XX/XXXX and again on XX/XX/XXXX. During the conversation on XX/XX/XXXX, I informed XXXX that the amount they stated I owed was incorrect and that I could submit court documentation showing the correct amount owed on the vehicle. She said she would notate the account and forward my dispute to management and for me to call back on XX/XX/XXXX. I called back on the date requested ( which is today, as of the writing of this complaint ). XXXX appeared to have trouble finding the notated documentation and then explained that the amount of {$1600.00} but did not attempt to provide me with instructions to upload my documents to prove the correct amount. She said I couldn't speak to someone in management but that she would escalate my dispute to the resolution department. 
I refused the request to transfer me b/c at this time, I feel like I'm getting the run-around and that this company is making it difficult for me to resolve this issue so that I can receive the title for my vehicle. I am now working and fully prepared to pay the remaining balance of {$520.00} as owed but I refuse to pay a company {$1600.00} with no other documentation other than a letter that states it. I'm also feeling cautious because the representative I spoke to was reluctant to provide me instructions of how to properly file a dispute online and upload my court documentation to show the correct amount I owe. I honestly just want to resolve this matter as quickly as possible and obtain my car 's title. Please assist with helping me get this matter resolved. Thank you. 

The company 's information is listed below : Capital One Auto Finance XXXX XXXX XXXX XXXX, TX XXXX The number listed is XXXX An additional address at the bottom of the form is Capital One Auto Finance XXXX XXXX XXXX City of Industry, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
XX/XX/XXXX My wallet was stolen. {$4900.00} was charged to my Bank of America card at a nearby XXXX 's XXXX ( a store I have never shopped at and do not have a membership to ). I responded to alerts on my account, discovered the theft of my entire wallet, shut down my bank and credit accounts and replaced my driver 's license. 
XX/XX/XXXX BA credited me for the fraudulent charges. Great. 
XX/XX/XXXX BA opens a fraud dispute and charges me {$4900.00}. When I investigate these charges, I am told that the initial claim was filed incorrectly ( asserting that the card was still in my possession ) and they would need to resubmit. 
Since then, I have called and spoken to representatives on ( at least ) the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Each time, I have to lead the fraud specialist through the situation, as if there are no notes on my account. As of today, I still have not been repaid. I am a small business owner and this theft put me in the red for XXXX. 
It is worth noting that other cards from my wallet were also used. Every other company resolved the fraud issue quickly and efficiently. I have been using BA products since XXXX, as they like to remind me on every enraging phone call, and have charged hundreds of thousands of dollars to this account. The frustration is almost as bad as the theft.

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 2023-07-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
We received credit card from Wells Fargo havent used them in at least 8 years didnt activate the credit cards didnt use the credit cards now I am getting past due letters and its affecting my credit score just received a letter from Wells Fargo that they are reducing my credit limit from XXXX to XXXX due to late payments I didnt use the cards this is crazy

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 2023-07-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
In accordance with the fair credit Reporting Act, XXXX  Account # XXXX XXXX ( XXXX XXXX ), XXXX XXXX ( Capital One ), XXXX ( Kohls ), XXXX ( XXXX ), XXXX ( XXXX ) has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : A consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer card plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
At Bank of America my Intellectual Property unprotected where XXXX Wire Transfer of amount XXXX XXXX XXXX XXXX XXXX thousands usd. XXXX  code in XXXX was on a way way less type amount XXXX which is at federal court where i sued these participants. At federal reserve bank even the documents that they receive of Escrow Account may not been an Escrow account. I was told I had to send money through money gram an XXXX XXXX to XXXX to different receivers some in XXXX I even won back {$14.00}, XXXX from these transactions which United states vs XXXX XXXX i got back this year XXXX. At bank of America the Bank Representative drew red flag 1 2 an alligator and swamp water upon this close account but was open during the input of wire, the consumer protection went out to investigate why the bank got the XXXX in recieve mode but not the documents of money but it show green of the wire. The bank representative also had me call back also all our calls should be redeemable from XXXX to after even that year not many calls. Even the agent who had documents and deprived me of actual money they commit fraud which other Crime happen to where the person was in XXXX XXXX bank where he Destroyed Important Papers the year XXXX and this was on world news and he was there not under is Goverment name he was under another id.So he went on planes to XXXX without his real id of usa federal prosecutor.

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 2023-07-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ratchford Law Group, P.C.
State: PA

Complaint narrative:
Only XX/XX/XXXX, I received a notice from the police that Ratchford Law Group was taking legal action against me about a debt. The document refers to a judgement, which I was never made aware of. I never received a court date, nor did I ever receive information stating a judgement was made against me. I have 100 % on time payment history and XXXX judgements or collection attempts as of XX/XX/XXXX, as listed on XXXX, and I monitor my credit routinely. 

On the same day that I received the notice from the court, I also received a letter from Ratchford Law Group which listed false information about me. They claim that I made a payment to them on XX/XX/XXXX, which never happened. I have no idea who Ratchford Law Group is, nor would I give some random law firm money without hearing from a judge. In this letter they did not provide any information about this alleged payment, which in my eyes was either completely forged to attempt to misrepresent me to the court, or to try to intimidate/confuse me. It is completely illegal to try to fabricate information about somebody's finances and their actions are violating section XXXX XXXX and XXXX of the Fair Debt Collection practices act. 

My credit report will also list that around the time of the alleged payment I made to this law firm, I had just got a car financed an opened a new credit card, because I was moving to a new residence and was literally rolling quarters together to get first and last months rent for my new landlord, so it makes no sense that I would send money to some random law group claiming there was some wrongdoing on my part while I had just reached a credit score over XXXX. It makes no sense how they claim they " offered me a payment plan '' and that I recently sent them money in the same letter. 

I am filing this complaint and notifying the court that I have made the CFPM aware of illegal actions being taken by Ratchford Law Group to try to get judgements from the court.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
This is from a previous complaint # XXXX. Bank of America took collection actions which included temporarily holding my direct deposit payroll funds from my checking account until the balance was paid in full. The Balance has been paid in full, but Bank of America has not released all of my funds that total more than {$3000.00} in intercepted payroll checks. My B of A account number is XXXX. I have attempted to contact Bank of America 's compliance department and was forwarded to a voicemail. I left several messages and sent emails to the compliance department.

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