vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
When trying to make a payment at XXXX XXXX XXXX this morning my {$27000.00} limit XXXX XXXX XXXX  card was repeatedly declined. I had no current balance, pay my card monthly and had just processed a payment to the exact same vendor the week prior. 

The charge of {$4400.00} was flagged for fraudulent and I spent nearly 30 minutes at the animal hospital attempting to remove a block on my card via the app and calls to two different agents. Ultimately I had to use another card, just so I could leave and get on with my day. I still needed to call yet a third time a few hours later to get the block removed because the earlier attempt didn't work despite the agent saying I was all set ( after I'd left the XXXX XXXX ). 

My dog is sick and large payments to vets on this card are not unique. I'm not sure why this charge got flagged but due to Bank of America 's convoluted process for addressing the issue I was unable to apply a payment to the card for XXXX airline miles. In fact, there is nothing they can do for me now because I had to put the charge on another card. 

I'm very unhappy with the lack of resolution in this case. 

I've attached a zip file with screenshots of the texts as I was trying to remove the block as well as the form email sent after the fact. Not helpful.

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 2024-01-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: CA

Complaint narrative:
I have paid above the required amount for my student loan in total of {$1500.00} just over the last four months and my loan balance is {$1000.00} higher than the original amount I borrowed! At this rate, I will never satisfy the loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: FL

Complaint narrative:
I really don't know where to begin with this at but I've had a chime banking account for almost 5 years now and in XXXX I started having problems with an unauthorized transactions on my account so I file dispute with chime and they denied it and recently I was stopped by the police on XX/XX/XXXX I was arrested and put in jail until XX/XX/XXXX I retrieved my phone from the police department on XX/XX/XXXX and at that time I opened up my bank account and I find out that my credit bill card had been canceled while I was in jail and that time had taken all my money out of my account to pay all the credit builder when I receive my statement I had XXXX charges to cash app I have no cash up account that claim has been disputed and it's still in progress I have several claims that they have denied but I also have complain to stride Bank and they did an investigation into my account and the investigation clearly states that since XXXX of XXXX  my account shows take over and I have had problems with this continually I have done everything possible to solve this problem of ask time to put a password on my account that I only know and they would only know they would not do that I've had my accounts closed I've had my phone number changed my address change I even had a debit card sent to another address that wasn't mine so this has been an ongoing problem and it's to the point where time is made me lose my vehicle now that's going to make me lose my place of residence because I can't pay my bills and they keep denying my claims I've asked them for arbitration they have not responded to that yet as of yet and I'm at which end

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

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

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 2024-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
Dear Capital One Customer Service, I hope this letter finds you well. I am writing to bring to your attention my current financial situation and request accommodation under the CARES Act regarding late payments reporting on my accounts. The affected accounts are as follows : 1. Account Number : XXXX Late Payment Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX. Account Number : XXXX Late Payment Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX. Account Number : XXXX Late Payment Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I am facing financial hardship due to circumstances beyond my control. Unfortunately, I was laid off from my job as a result of contracting XXXX. The impact of this unexpected situation has made it challenging for me to meet my financial obligations, leading to the reported late payments on the aforementioned accounts. 

Understanding the provisions outlined in the CARES Act, I kindly request that Capital One consider accommodating my situation by removing the late payments from my consumer report. I believe that this accommodation would better reflect the extraordinary circumstances I faced during the mentioned months, and it would provide me with the opportunity for a fair assessment of my creditworthiness. 

I understand that Capital One values its customers and strives to assist them during challenging times, and I am hopeful that you will consider my request favorably. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to XXXX XXXX XXXX XXXX ( XXXX XXXX ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
XXXX - XXXX reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the XXXX XXXX compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required XXXX Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General.

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 2024-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The following information should be investigated. I respectfully request to be provided proof that these inquiries were in fact authorized with an instrument bearing my signature, and for legitimate business purposes. Failing that, the unauthorized inquiry must be deleted from the report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX The listed inquiry was without authorization and for no legitimate business purposes. As such, it is a very serious error in reporting. Please delete this misleading information. Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 

Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is also hereby requested, to be provided within 15 days of the completion of your investigation. 

Sincerely.

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 2024-01-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Synovus Bank
State: MD

Complaint narrative:
I took out a prepaid card secured card I put a {$200.00} deposit down on first latitude and I didn't spend a dime of it and now it says my credit is maxed out and I am livid so somebody's been using all my cards

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: Moore Legal Group, LLC
State: NJ

Complaint narrative:
Approximately two years ago, I signed an agreement with Meadowbrook legal and entered into a debt consolidation program. I was making payments to them in the amount of XXXX a pay period every two weeks this went on for about a year and a half up and killed the point to where I was out on XXXX XXXX. I could not afford to pay that money when I was told that there was no more money left in the account and then I was in jeopardy of defaulting the two credit card companies that they made a deal with this deal included monthly payments. This is not what I was told so I finally looked into my account and realized that 95 % of all the money that I gave them went into their pocket as fees, they did absolutely nothing. In fact, the one company that they said that they were actually an active negotiations with XXXX XXXX is now garnishing when I pay unfortunately, I have no path to recover this money or any of it or I dont believe I do, I did it in good faith, I can not believe companies like this exist, and now my only option is declare bankruptcy

Company response to consumer: Untimely response
Consumer complaint received 2024-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

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 2024-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

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 2024-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Synovus Bank
State: FL

Complaint narrative:
In my Synovus checking account, I had a balance of over {$3000.00} on XX/XX/XXXX. On XX/XX/XXXX I deposited a check for {$2600.00} at their ATM. Upon depositing the check, the bank froze my account and did not notify me. In the intervening time, my debit card purchase for gas was declined, my scheduled bill payments were returned NSF, and an online charge was denied- all the while I had {$3000.00} in the account that would have covered each and every charge. I went into the Synovus office on XX/XX/XXXX and spoke with XXXX XXXX who claimed ( incorrectly ) that my account would be unfrozen on XX/XX/XXXX. On XX/XX/XXXX at XXXX I logged into my account online and was unable to access bill pay, so I called Synovus 's customer service and spoke with XXXX who confirmed that my account was still frozen. At this point, I have sent an e-mail to XXXX XXXX at the branch informing her that the account was still frozen and requested that the monthly service charge of {$5.00} should be reimbursed since the checking account service was in fact not provided by the bank. At this time, I plan to go back to the branch and close the account due to the bank 's clear lack of competence, and customer service. Very disappointing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
I opened a Regions Bank XXXX, Alabama account online in the last week a XXXX XXXX account. I called them today XX/XX/XXXX about other matters and simply asked about if I decided to close the account in the future do I need to go into a branch since I did not see a closing option online. I was told that a " {$25.00} charge would be assessed on any account open for less than 180 days ''. I have the printout of the " Personal checking, Money Market, savings, Time deposit & IRA accounts Pricing schedule '' ( effective XX/XX/XXXX ) on opening the account and nowhere is that charge mentioned. I think that that may be consumer fraud.

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 2024-01-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC
State: TN

Complaint narrative:
Wakefield and Associates Issued XXXX collections on my credit report last year, then they were taken off and now they were reissured from my understanding if the debts are removed from my credit reporting they can not be reissued. Company took them off and put them back on again.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Kindly review the attached documents. I ask the bureau to commence an investigation into these accounts, as I am consistently on time with payments, yet they inaccurately depict me as late.

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 2024-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to express my extreme disappointment and frustration regarding the lack of response from XXXX, Equifax, and XXXX regarding the disputes I submitted to rectify inaccurate information on my credit report. 

I meticulously outlined the discrepancies, providing a comprehensive list of accounts and highlighting the blatant violations perpetrated against my consumer report. Despite my efforts, it has been well over 60 days, and there has been no acknowledgment or resolution from your end. 

I have attached copies of all the dispute letters I sent for your reference. 

It is disheartening to point out that your company is in direct violation of FCRA 623 ( a ) ( b ) by neglecting to mark the disputed account as such. The mandated 605 ( c ) running period has also been infringed, as the date of the last activity on this account is inaccurately reported instead of reflecting the last payment date. 

Furthermore, your consistent failure to validate this collection account is a clear violation of FDCPA 809 ( b ), as per the FTC 's opinion on the matter. 

I find it imperative that you address these issues promptly and rectify the inaccuracies on my credit report. Failure to do so will leave me with no option but to escalate this matter further through legal avenues available to me. 

I anticipate your immediate attention to this matter and a swift resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Here Below I've listed all inaccuracies that are being reported by transunion & that should be Deleted from my report Immediately. 

XXXX. The account statuses are different, TransUnion is reporting that its closed but XXXX is reporting that its paid. 
XXXX. These accounts have two different dates to when these accounts were supposedly opened. TransUnion is reporting XX/XX/XXXX but XXXX is reporting XX/XX/XXXX. Both dates can not be accurate, which is false information being reported. Delete immediately. 
XXXX. There are also two different Date Last Active dates reporting inaccurate. TransUnion is Reporting XX/XX/XXXX but XXXX is Reporting Date Last XXXX These are two different accounts please remove both accounts as they both are inaccurate. 
XXXX. All of these errors are reporting inaccurate information on my consumer report and by law you are required to report 100 % accurate information. these are to be remove from my report immediately. 
XXXX. Ive included documents to support my claim and all inaccuracies are Highlighted. If these accounts are not deleted within 10 days, I will be moving forward with a Consumer lawyer to represent me for this unlawful matter. This would result in emotional and financial damages paid out to the consumer ( me ). Thank you kindly for these deletions.

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 2024-01-10 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: MO

Complaint narrative:
Experian is so negligent with my account they just notified me that a dispute was open XX/XX/XXXX for XXXX XXXX, WHY WHEN YOU CAN CLEARLY SEE ON THERE OWN WEBSITE THAT I PAID THI ACCOUNT OFF IN XXXX OF 2023, FRAUD FRAUD FRAUD FRAUD FRAUD FRAUD FRAUD FRAUD FRAUD FRAUD FRAUD FRAUD FRAUD FRAUD

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 2024-01-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I opened an business checking account with Bank of America on XX/XX/XXXX with the promotion of {$1000.00} bonus for depositing {$30000.00} within 30 days and keep above {$30000.00} until XXXX day after account opening. The promotion is within my Bank of America personal account online banking offers page. I clicked on the promotion link to open the business checking account and meet the terms and condition for the promotion as of XX/XX/XXXX. The bonus has not been posted as XX/XX/XXXX. I contacted Bank of America XXXX XXXX Customer Service at XXXX on XX/XX/XXXX and was told that the offer was not found on my business checking 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 monetary relief