vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: NJ

Complaint narrative:
To whom it may concern : I am writing to dispute the validity of your company 's collection debt on my credit report. According to my records, I have no outstanding debts with your company or any other creditor listed on my credit report. 

Therefore, I request that your company provide proof of the debt. In addition, as per the Fair Debt Collection Practices Act, I have the right to request validation of this debt. Therefore, I ask that you provide me with the following information : 1. The name and address of the original creditor. 
2. The original account number. 
3. The date of the original debt. 
4. An itemized list of all charges, fees, and interest accrued on the account. 

I also request that you cease all collection activity until this matter has been resolved. Failure to provide me with the requested information within 30 days of receipt of this letter will result in my assumption that this debt is invalid. Please send this information to the email provided. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: UT

Complaint narrative:
XX/XX/2022 our son ( we the parents are joint account owners, due to his XXXX ) called USAA to tell them he was getting scammed. His checking balance was {$580.00} at the time, but two deposits of {$5000.00} were made to his checking from a 2nd account that had been set up in our son 's name, without our son 's knowledge. Our son 's call was due to an alert from USAA of unusual activity. The USAA representative, XXXX, spoke for 3 hours with our son telling our son that this happens all the time and that he would take care of it -- our son asked USAA to stop it and send back the money that wasn't his. However, instead of closing the account, supposedly a 3-day hold was applied, but the defrauder/scammer was able to withdraw two {$5000.00} amounts ( transferred to a 3rd account set up in our son 's name, unknown to our son ). A 3rd deposit of {$5000.00} was also made to this checking account from the 2nd account. When we saw on XXXX XXXX that two overdraft protections were taken from our USAA VISA ( {$4500.00} and {$5000.00} ), we called and spoke for 3+ hours to USAA XXXX who agreed to refund 3 return funds charges ( of {$5.00} ea. ) that occurred when USAA sent back the 3 ea. {$5000.00}. But the return of funds caused the {$9500.00} overdraft on the VISA due to the withdrawals that totalled {$10000.00}. After many long phone calls, USAA finally 'investigated ' abt XXXX XXXX, but determined our son was at fault, and have not taken responsibility for not helping him. We filed a police report with XXXX XXXX XXXX, which investigation is still open. The PD understands this is fraud committed against a person with a XXXX. We have refused to pay off the VISA until this is properly resolved, and USAA has added over {$700.00} of fees/interest, and issued collections notices, and caused the father 's credit score to drop XXXX points.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Ive called TD Bank several times to close an account they allowed to be opened in my name. TD Bank allowed an account to opened online using my information. They refused to provide information as to how they allowed that to happen!! I informed them that I want the account closed! TD Bank then tells me I need to physically go into a TD Bank location to verify who I am! But its confusing because TD Bank allowed an account to be opened without verifying!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
To whom it may concern : I am writing to dispute the inclusion of a cellular bill on my credit report. I have reviewed my credit report and noticed a statement from a cellular provider that I do not recognize. I have never had an account with this provider or received any services from them. 

This bill has been included on my credit report in error. Please investigate this matter and remove the account from my credit report immediately. I am concerned that this bill may affect my credit score and would like to remove it quickly. 

Thank you for your attention to this matter. 

Sincerely, 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 2023-05-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I am writing this letter to file a formal complaint against Citibank for failing to honor a promised account opening bonus of {$300.00} despite having fulfilled all the required conditions as per the terms of their offer. 

On XX/XX/XXXX, I opened a Citibank Accelerating High-Yield Savings account after being presented with an offer in the customized 'Citi Offers For You ' section of my existing Citi account. The offer promised a {$300.00} bonus if I deposited {$30000.00} within 20 days of opening the account and maintained it for three months. 

Upon confirming the details and timeline of this promotion with a Citi representative via online chat, I deposited the amount of {$30000.00} on XX/XX/XXXX. I was assured by the representative that if I maintained this deposit until XX/XX/XXXX, the bonus would be posted to my account within 90 days of the completion date. 

Despite fulfilling these conditions and receiving assurances from several Citi representatives during online chats on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, the promised bonus was never credited to my account. To my disappointment, I received a letter from Citi on XX/XX/XXXX, stating that my account does not qualify for the promotion because it is a Basic Account package. 

This contradiction is both confusing and unjust. The offer was displayed in my customized 'Citi XXXX For You ' section, leading me to believe I was eligible for the promotion. Feeling cheated by this disconcerting turn of events, I closed my Citi checking and savings accounts on XX/XX/XXXX. 

I kindly request the Consumer Financial Protection Bureau to investigate this matter, as I believe I have been unfairly treated. I have fulfilled the conditions of the promotion and am entitled to the {$300.00} bonus, which I am yet to receive.

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 2023-05-20 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Atlanticus Services Corporation
State: NY

Complaint narrative:
Paid off card in full so it would be available for XXXX but misplaced card in my house so I asked for a new one. Couple weeks later a got a message asking if I was trying to use my card for a {$1200.00} purchase. I immediately replied No and was told to call Fraud department, which I did. I was told that my new card was activated and used. I asked how that was possible if it wasnt me. They repeated a # that I dont know and is not my phone #. They cancelled card and told me to fill out paperwork and send back to them. I did as instructed and the charge was temporarily removed. I got a letter that said that dispute was not in my favor so once again I called to state my claim. They once again removed the the claim after sending in a written statement. Few weeks later I received the same results. I called investigators at this company and no one calls me back but they are still asking for payment

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
In the results of your first investigation, Equifax stated in writing that they verified that the item is being reported correctly? Who verified the account? 

They have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
In accordance with the Fair Credit Report Act XXXX, Account : XXXX, COLLECTION, has violated my rights. 
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 a consumer reporting agency can not furnish an account without my written instructions. 

This account is a fraudulent account, I am requesting to investigate this account, I don't owe and neither sign any contract with company.

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 2023-05-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : # XXXX, US DEPT OF EDXXXX : XXXX XXXX, US DEPT OF EDXXXX XXXX # XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX  : # XXXX, XXXX, XXXX : # XXXX, XXXXXXXX XXXX XXXX : # XXXX, XXXX and XXXX : # XXXX, XXXX  XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXXXXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, U.S. DEPARTMENT OF ED : # XXXX, U.S. DEPARTMENT OF ED : # XXXX, U.S. DEPARTMENT OF EDU : # XXXX, U.S. DEPARTMENT OF EDU : # XXXX, XXXX XXXX : # XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX : # XXXX XXXX XXXX : # XXXX, XXXX XXXX # XXXX, XXXX XXXX : # XXXX, XXXX  : # XXXX has violated my rights. 

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 a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-05-20 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : # XXXX, US DEPT OF EDXXXX : XXXX XXXX, US DEPT OF EDXXXX XXXX # XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX  : # XXXX, XXXX, XXXX : # XXXX, XXXXXXXX XXXX XXXX : # XXXX, XXXX XXXX XXXXXXXX : # XXXX, XXXX  XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXXXXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, U.S. DEPARTMENT OF ED : # XXXX, U.S. DEPARTMENT OF ED : # XXXX, U.S. DEPARTMENT OF EDU : # XXXX, U.S. DEPARTMENT OF EDU : # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXXXXXX, XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX : # XXXX XXXX XXXX : # XXXX, XXXX XXXX # XXXX, XXXX XXXX : # XXXX, XXXX  : # XXXX has violated my rights. 

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 a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX # XXXX, Account name : CXXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

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 a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-05-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
In XX/XX/2022 I made a purchase at IKEA for the amount of {$5400.00}, at the time of the purchase I made an application for an " IKEAProjekt '' credit card managed by COMENITY CAPITAL BANK, which was approved with a credit of {$18000.00}. Even though I set up an automatic payment from the beginning, Comenity didn't apply it. for which I had to reestablish it on several occasions, in which sometimes they applied it at the beginning only once or twice. they finally reported me to the credit bureau, damaging my credit, also lowering the credit card limit from {$18000.00} to {$2000.00} and they are applying an inexplicable amount of interest and fees even though the terms of the account is for 24 months without interest.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Captial One employee agreed to hold account and stop any charges while account access issue resolved. I filed two complaints regarding restoring access, meanwhile they are charging my account contrary to their verbal agreement ( witnesses and ref number of call available ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc
State: NY

Complaint narrative:
Account Number Ending In : XXXX Claim ID : XXXX Dispute Type : Credit - Unauthorized Transaction Date Error Reported : XXXX Claim Amount : {$1300.00} Dear XXXX XXXX, Weve completed our investigation of your billing inquiry, and weve determined that no billing error occurred. 
The disputed amount, {$1300.00} will be included in the payment amount due on your next statement as of XXXX. 

We apologize for any inconvenience you may have experienced. You may request a copy of the documents we used in determining the final outcome of the investigation at XXXX. 

Sincerely, Chime Disputes Team In 24 hours they finished dispute I refuse to lose my hard earned money

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Today, I was informed by Bank of America, after calling them, that my two credit card accounts with them had been closed. This came as a surprise to me because I had not received any adverse action notices regarding either account, and the only reason I found out was that I was unable to access my online banking account ( which is how I make payments ). 

Both of these accounts had always been paid on time, and I had made all payments through the online banking portal. However, now I am forced to call a phone number to do anything. The representative I spoke with ( who was very kind ) took over 10 minutes to find a note on why my account was closed and apologized that notices WERE NOT sent. 

I find it unacceptable that a bank of this size would fail to inform its customers of decisions made on their accounts. Such actions are illegal and have a negative effect on my credit report, which is in the form of a reduced credit line/closed account by the financial institution. Besides, I had just received approval for a balance transfer on one of these two accounts earlier this year, and nothing has changed on my credit report since then. How is this practice not abusive and a UDAP violation? 

This experience has left me feeling frustrated and disappointed. It is not the level of service I expect from such a large financial institution like Bank of America. I would like to see measures put in place to ensure that customers are notified of any changes made to their accounts. This would avoid situations like mine, where customers are left in the dark and have to go through the hassle of finding out on their own. 

Overall, I hope that Bank of America takes this matter seriously and implements changes to ensure that customers receive proper notification when decisions are made regarding their accounts. This will not only benefit customers but also improve the bank 's reputation and trustworthiness.

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 2023-05-20 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX XXXX XXXX Disputing Identity Theft Report XXXX Dear Sir/Madam, I am writing to dispute accounts that were opened onder my name. My personal information has been compromised, resulting in fraudulent accounts appearing on my credit report. I am unaware of and do not recognize the following fraudulent accounts : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX I have taken immediate action to address this issue by notifying the relevant financial institutions regarding the unauthorized accounts. However, I believe it is essential to escalate this matter further and request a thorough investigation to rectify the situation promptly. 

I kindly request the CFPB 's assistance in investigating the extent of this identity theft and taking appropriate measures to protect my personal and financial information. It is crucial to identify the perpetrators responsible for this fraudulent activity and prevent any further damage to my credit and overall financial well-being. 

Enclosed with this letter, please find supporting documentation, including a copy of my credit report highlighting the fraudulent accounts, a police report numbered XXXX, as well as any other relevant information that may aid in your investigation. 

I am committed to cooperating fully with the CFPB and any other law enforcement agencies involved in this matter. I understand that additional information or documents may be required during the investigation, and I am willing to provide any necessary assistance to resolve this issue promptly. 

Please keep me informed about the progress of this investigation and any actions taken to resolve the fraudulent accounts associated with my identity. I appreciate your attention to this matter and your commitment to consumer protection. 

Thank you for your prompt assistance in resolving this issue. I look forward to a timely resolution. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief