vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
Earlier this year, I opened a Walgreens Mastercard. I was told that I would get all sorts of money back on my purchases. I made a single purchase in the amount of {$54.00} and some odd cents. I never received a plastic Mastercard in the mail. I didn't see a contract when I applied. A clerk at the XXXX made the application for me. Unbeknownst to me, the card was issued by Synchrony Bank. I wouldn't have gotten the card if I had known that. At some point, I got a bill for the Mastercard for the {$54.00} and some odd cents. In the interval between getting the bill and paying it, my mother died. I had to make funeral arrangements and also care for my elderly father, who was married to my mother for 67 years. When I returned, my husband gave me the bill and I did a telephone payment to Synchrony Bank for {$55.00} even. I figured I would get a bill from Synchrony for whatever finance charges are appropriate on {$54.00}. I never did get another bill from Synchrony. 

Today my husband got a telephone call from Synchrony Bank stating that I owed them {$110.00} and I was in default or something. I knew I had only used the card once and that couldn't possibly be right. I called the Synchrony Bank number I found on the internet and a customer representative told me that Synchrony had been charging me late fees every month. ( Bear in mind that there was no principal left on the card! ) I told her I wanted the account closed immediately. She kept badgering me to keep the account open and said that, before she would close the account, she had to read me a statement. I told her no, I wasn't going to listen to any statement and that she needed to close the account IMMEDIATELY. I hung up. I seriously doubt Synchrony closed the account. I'm sure it is Synchrony 's intention to continue to rack up fees every month.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On XX/XX/2022, {$2900.00} I was fraudulently induced to make a transfer of funds from my BofA checking account ending # XXXX, and transferred to an imposter, posing as my childhood friend, XXXX XXXX. The imposter/fraudster requested I use my BofA XXXX account app to send him funds for emergency life saving surgery for my friend 's wife. 

I called BofA Fraud Line as per their website, and was put into a holding que..15 minute expected wait. Then I ran over to nearest BofA branch and was told I had to call the Fraud Line and wait on hold until it was my turn. 

I believe the Bank could and should have stopped the fraudulent transfer ; that Bank was provided with all relevant information within a very short amount of time after it occurred ; that Bank was provided with the fraudster 's personal information, including the fraudster 's bank account at XXXX XXXX, the fraudster 's email used for the XXXX transfer, time and nature of the Fraud, etc. 

Bank said it recovered {$65.00} from Fraudster 's XXXX XXXX  and refused further reimbursement to me, saying it did nothing wrong. I have requested Bank to reimburse the {$2900.00} less the {$65.00} credited to my account. 

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 monetary relief
Consumer complaint received 2022-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I was not satisfied with the result I got from my Equifax report. There are so many errors and incorrect information reported which I had previously included in my written letters. I requested for this incorrect information to be removed but no action has been done. Considering that they neither reached out to me nor submitted any kind of proof to justify their result. This time, I am asking for you to help me to have this incorrect information removed or have anyone from Equifax contact me about the status of my concern. Here is the incorrect information that I am trying to dispute : XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
THESE FRAUDULENT ACCOUNTS ARE LISTED ON MY CONSUMER CREDIT REPORT AND I HAVE NEVER OPENED THESE ACCOUNTS. MY INFORMATION WAS USED IN A DATA BREACH BECAUSE I HAVE NO BUSINESS WITH THESE COMPANIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: DISCOVER BANK
State: PA

Complaint narrative:
Our issue is with Discover Student Loans. My son recently graduated from XXXX XXXX XXXX XXXX He has 8 private loans with Discover with a variety of interest rates from 6.8 % to as high as 9.8 %. We were told when we started that at the end all deferred loans would be able to be consolidated under one loan and one low interest rate. After 1 employer only he has two jobs not taken into consideration the fact we were told my son had to apply for a consolidation on his own without a cosigner. He was immediately declined reason unknown. The application asked for name address phone number employer SS #. Submit declined we have $ XXXX to put done that was not considered his XXXX  credit rating is XXXX not taken into consideration. We have contacted them several times with our financial advisor on the phone with us all calls were recorded. Each time we got a different story. Per my financial advisor he states they are being discriminatory. They have no under writer. They will, however, take my money and reconsider after the fact. The said until such time my son qualifies as a primary again with no consigner, they will not consolidate the loan and we have to pay the face value of multiple loans at a higher interest rate no exceptions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
On XX/XX/2022 I canceled a recurring scheduled transfer in order to add a different account to transfer to ( new account to pay into for Landlord for rent ). Because I added this new account it was flagged by the Fraud Department and the transaction was canceled. I got in touch with the Fraud Department on XX/XX/2022 and they approved the new account to transfer into. 

At that time they told me to wait 24 Hours and set up a new transfer since they had canceled the original transfer set up on XX/XX/2022. 

I tried to set up the transfer on XX/XX/2022 but was unable to do so because the " canceled '' transfer was still in place and it would not let me set up a new transfer as it would go over the " daily limit '' for transfers. I was assured that on XX/XX/2022 the original transfer was cancelled and to wait 24 Hours. 

On XX/XX/2022 ( 24 Hours after the transfer ) I called back and spent ~1.5 hours on the phone with customer service, and they again assured me that the transaction was canceled and I should be able to create the transfer on XX/XX/2022. 

Today on XX/XX/2022 I am still unable to set up the new transfer. No one has been able to sufficiently take care of this issue, and its getting close to the time that rent is due. I also discussed that it seems the issue may be resolved if they could change the " transfer limit '' but they state that this is impossible without any more reasoning.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
Tuesday XX/XX/XXXX Navient called me 7 times between the hours of XXXX and XXXX. I told them once to please stop calling me while I am at work and that I will be making a payment on Friday. I am usually very good on payments but I was out sick for a week and my employer forgot to add my sick time pay so my check was shorted until tomorrow XX/XX/22 when I get that money added to my new paycheck. I was called multiple more times after asking them not to. Lady would not listen to me told me there was no note about prior phone calls or me asking them to refrain for the day. I got angry and had to hang up as she was insistent on taking my focus from work. I work in XXXX XXXX and can not be getting calls 7x in one shift! I have to keep my phone on me, and patients, staff, and others do not need to hear BUZZ BUZZ BUZZ during meetings or need me to excuse myself. 

" According to the FDCPA, a debt collector can not call a debtor more than once per day for each debt. This means that if you only have one outstanding debt, then your debt collector is only allowed to call you one time per day. '' This was clearly violated, and this is not the first time this has happened either.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I was not satisfied with the result I got from my TransUnion report. There are so many errors and incorrect information reported which I had previously included in my written letters. I requested for this incorrect information to be removed but no action has been done. Considering that they neither reached out to me nor submitted any kind of proof to justify their result. This time, I am asking for you to help me to have this incorrect information removed or have anyone from TransUnion contact me about the status of my concern. Here is the incorrect information that I am trying to dispute : XXXX 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 non-monetary relief
Consumer complaint received 2022-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MD

Complaint narrative:
Due to a change in escrow, the monthly mortgage payment changed by {$10.00}. My bank wired the old payment amount, which was {$10.00} less than the new amount. The mortgage company ( 53 Bank ) held the funds unapplied and failed to properly contact me to advise about the unapplied funds and " missing '' monthly payment. By the time I found out about this issue, they reported my account 30-days late to the credit bureaus. This is not a " late '' payment but a misapplied payment. Also, they should have let me know about this misapplied payment prior to the 30 days. I've tried to explain the situation to their customer service and credit reporting departments and they've ignored my requests to correct this reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I was not satisfied with the result I got from my Transunion report. There are so many errors and incorrect information reported which I had previously included in my written letters. I requested for these items to be removed but no action has been done. Considering that they neither reached out to me nor submitted any kind of proof to justify their result. This time, I am asking for you to help me to have these items removed or have anyone from TransUnion contact me about the status of my concern. Here are the items that I am trying to dispute : Chapter XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX Chapter XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26 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: DISCOVER BANK
State: NV

Complaint narrative:
XX/XX/21 - XX/XX/21 there was fraud charges on my Discover credit card. Large transactions from various XXXX XXXX and XXXX were made as well as smaller restaurant charges. Totaling to {$6900.00} now with added interest it is {$8900.00}. 

My Discover and XXXX credit cards were stolen but I only found out after 2-3 weeks after the fraud charges were made. 

I let Discover know right away as I caught the fraud. They issued me a new card and reassured me that I wont be charged for those transactions if they are not made by me. They did let me know they will also do an investigation regarding the dispute and that I need to file a police report as well. Which I did make. Police report is attached.

After about 2-3 months Discover added that fraud charges back into my account. They said that the reason they found it to be not fraud was because the transactions were made around my home city, I shop at XXXX XXXX frequently and the person using my card made a return/exchange. 
I spoke to the container representative that their reasoning does not make it not fraud! I let them know I did not make those purchases and I will not be paying. 

I reached out to the police department regarding my case and they told me they closed the case because from their understanding Discover had already taken the fraud charges off my account. I had to explain to them that now Discover is saying from their investigation it is not fraud and the the XXXX didnt understand why when a suspect hasnt been identified. 

I dont understand how and why they approved all these large transactions. It does not match my spending patterns at all. Discover should have declined the transactions. My XXXX XXXX credit card was declined right away when the criminal who stole my card tried to use it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-26 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
THESE FRAUDULENT ACCOUNTS ARE LISTED ON MY CONSUMER CREDIT REPORT AND I HAVE NEVER OPENED THESE ACCOUNTS. MY INFORMATION WAS USED IN A DATA BREACH BECAUSE I HAVE NO BUSINESS WITH THESE COMPANIES.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
This problem is with Experian, In XXXX I had a account with XXXX XXXX that is held by XXXX XXXX, This account was opened XX/XX/XXXX They say charged off as it was going through Bankruptcy they started this XX/XX/XXXX, at this time my credit took a point loose. Then in XX/XX/XXXX they marked bankruptcy, They although tried to hit my cerdit report with saying I claimed bankruptcy in XXXX of this year my score dropped XXXX points had to get XXXX XXXX to help prove no new bankruptcy. Now this week in XX/XX/XXXX they are reclaiming charge off and my score fell XXXX more points this should not be reported again was once reported charge off XXXX then in bankruptcy, Experian is telling me I can keep having my score drop from this same account till it comes off account. I have tried calling XXXX XXXX  no help I wrote to the in XXXX and sent in Discharge papers And I believe a problem may be XXXX XXXX  changed it to a collection agency with new account number and then back to bankruptcy number

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA

Complaint narrative:
Ive filled police report on the fraud that occurred on my card where XX/XX/XXXX $ was withdrawn and XX/XX/XXXX two withdraws of XXXX $ unauthorized and without my knowledge I did everything I was supposed to n compliance with my bank card reported fraud yet they refuse to show me evidence on why they see no error XXXX will not return me my money XXXX $ was stolen out of my account and I requested reopen the investigation and check atm cameras the bank is now unreachable XXXX Ive had no response in over 3 weeks all I want is my money returned to me n the bank n who ever took my money held accountable

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate. The date last active is inaccurate and the last reported is not accurate.This ground for removal they also violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy, 15 U.S.C 1681 Section 604 A Section 2 ; it also states as a consumer reporting agency can not furnish a account without my written instructions Also the credit bureaus took more than 90 days to complete my investigation.

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