vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I submitted a dispute and on XX/XX/XXXX, I received a response from Navy Federal stating the dispute was resolved in favor of the merchant because I had not submitted the requested documents. I called them and someone assisted with pulling the documents I had submitted on XX/XX/XXXX. I spoke with someone else and she advised me that in her experience, I needed to provide a detailed invoice, and that was probably why it was also denied, since they did not have that. I resubmitted the invoice and it showed the tracking number and I submitted the photo of the house it was delivered to, also showing the tracking number from the invoice. I submitted a photo of my house showing it was not delivered to the correct address. On XX/XX/XXXX, they resolved the claim in favor of the merchant stating they said it was delivered on XX/XX/XXXX. My photos clearly show it was delivered on the XXXX as well, but not to my house. The supervisor said she spoke with them and their response was for me to file a claim against the shipper. I did not do business with the shipper, my dispute is who I did business with. It would be up to the merchant to file a dispute to get their funds back for a service they paid for and did not get from the shipper. I am providing XXXX photos. XXXX will show my order with the total. I did receive XXXX item, from XXXX, which I have stated and not disputed. Another photo will show the items with the tracking number. The next photo will show where the item was delivered and the tracking number. The final photo, the black door, will show my house, which is clearly not where it was delivered. For my bank to tell the member, after they see the evidence, to go after the shipping company, is beyond acceptable. If they are the ones who do the disputes, they would know this is not possible and should have given this advice to the merchant, who can actually make an insurance claim against the shipping company, since they paid them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
On XX/XX/2023, I received a notification that my credit score dropped. I immediately checked XXXX and there was a collection of {$150.00}. From some agency by CCS. As I had no idea who they were, I disputed the amount with XXXX and XXXX took it off of my credit. However, I went to XXXX and XXXX XXXX and that same charge was still listed on my credit report, even after submitting a request for this to be removed from my credit it still shows. I was never sent any documentation informing me the reasoning behind this collection or even what this collection was. This dramatically dropped my score, which is completely unfair as I was never even made aware of this collection. Upon reviewing my credit report, I noticed the aforementioned collection account, and I would like to highlight that I have no knowledge of this debt or any business dealings with the alleged creditor. It is crucial for the sake of accuracy and fairness that this dispute be resolved in a timely and appropriate manner.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Money of {$37000.00} was wired to a scammer. Requested to recall the wire transfer but the bank denied the claim saying it was an authorized transaction and I benefitted from the transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: FL

Complaint narrative:
I was given a Vanilla gift card for {$100.00} in XXXX of XXXX. The card number was unreadable, so I contacted by phone the phone number provided on the card. They provided me with a case number of XXXX. I sent them all the documents requested and was told that it would be looked into. I called three times for status and finally on XX/XX/XXXX I was told that it would take another 30 days to issue a replacement card. On XX/XX/XXXX I received the replacement card with a " XXXX '' balance. I called to activate the card and check why it showed the " XXXX '' balance. I was told that I needed to start all over again and resend the same documents I had already sent. I then contacted XXXX via their chat line and explained all that has occurred and was given lots of " I am sorry for all this you are going through etc. " This conversation went on three times and finally I was told to contact CFPB. All I want them to do is send me a new gift card with the balance of {$100.00}. They have all the information they need to do so. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Unauthorized inquiries on my 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 2023-11-16 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: NJ

Complaint narrative:
I was taking money from my credit card in a cash advance and putting into my checking account. I then took money from my account as I did know it was a fraud and identify theft. This was going on for a few weeks. 
Upon receiving a money transfer and removing money several time a manager said they would close my account because I was being fraud. I asked if the money would be returned to me and they said the fraud department was handling it. I tried contacting the department and they would respond, " still in research. '' The institution : Bank of America. 
I also had so problems with : XXXX XXXX XXXX but they did give me an affidavit to file to there company. I believe if I was under duress and was told to comply that something can be done. Thank you

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 2023-11-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
This company has violated my consumer rights and has defamed my character by attempting to collect an alleged debt and reporting it to consumer reporting agencies. Because of this I could not purchase a home or gain a credit card. I never gave this company my information or endorsed an instrument with them. Pursuant to 12 CFR 1006.6, more specifically subsection ( c ), this is a notice to cease all communications as the Fair debt collection practices act describes it which includes both direct and indirect communication on ANY medium except that you may ONLY communicate with me under the stipulations that you will send me validating information such as the entire purchase agreement ( and other validating data ) and/or to respond to ANY complaints from the Consumer Financial Protection Bureau ( cfpb ). In case this company feigns ignorance, I attached a screenshot of the XXXX website explaining how the FDCPA defines communication. I did not endorse an instrument with LVNV FUNDING nor have they provided proof that I did with my wet ink signature, they only purchased a contract and are trying to collect without having it endorsed first which violates Uniform Commercial Code 3-203. TRANSFER OF INSTRUMENT ; RIGHTS ACQUIRED BY TRANSFER. Primary tabs ( a ) An instrument is transferred when it is delivered by a person other than its issuer for the purpose of giving to the person receiving delivery the right to enforce the instrument. ( b ) Transfer of an instrument, whether or not the transfer is a negotiation, vests in the transferee any right of the transferor to enforce the instrument, including any right as a holder in due course, but the transferee can not acquire rights of a holder in due course by a transfer, directly or indirectly, from a holder in due course if the transferee engaged in fraud or illegality affecting the instrument. ( c ) Unless otherwise agreed, if an instrument is transferred for value and the transferee does not become a holder because of lack of indorsement by the transferor, the transferee has a specifically enforceable right to the unqualified indorsement of the transferor, but negotiation of the instrument does not occur until the indorsement is made. ( d ) If a transferor purports to transfer less than the entire instrument, negotiation of the instrument does not occur. The transferee obtains no rights under this Article and has only the rights of a partial assignee

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 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: NJ

Complaint narrative:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is 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 2023-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have spent 5 months in trying to remove the incorrect information off my credit report. My personal information had been compromised and misused without my consent. The discovery has triggered a series of incidents that continue to affect me in carious ways, both financially end emotionally. the unauthorized opening of accounts, fraudulent transactions, and the misuse of my personal information have left me with a sense of violation and vulnerability. PLEASE DO SOMETHING!!!!!!

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 2023-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

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 non-monetary relief
Consumer complaint received 2023-11-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
It is of utmost importance to recognize that I did not give permission for these accounts, and their existence is causing me significant distress.

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 2023-11-16 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: PA

Complaint narrative:
I was a victim of ID Theft. There are inquiries on my Experian credit report that are fraudulent and do not belong to me. I've already filed an FTC report. 
The inquires are : XXXX XXXX XXXX - XX/XX/2023 XXXX XXXX XXXX  - XX/XX/2023 XXXX XXXX - XX/XX/2023 XXXX XXXX  - XX/XX/2023 XXXX XXXX - XX/XX/2023 XXXX XXXX - XX/XX/2023

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 2023-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
On or about XX/XX/, I purchased a modem from the website XXXX. When the modem came, it was discovered by XXXX that it was stolen. When I reached out to XXXX, I was told that I did not dispute the claim on time and due to their policy there was nothing that could be done. I even contacted the seller and they read the message with no response. I disputed the information with the bank. Several weeks later, the charge was reversed.

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 2023-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I woke up this morning to my credit score on Equifax being dropped by XXXX points when I clicked the notification bell to see what changed and I seen that in between XXXX all of the XXXX account balances increased and in between XXXX they took my deferments away. I called and the nelnet rep is stating that she doesnt know what went wrong. She sees my forbearance letter along with the deferments. Im writing in to get this matter resolved asap. I enrolled in my forbearance and idr in XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I implore you to conduct a comprehensive investigation into this issue and promptly correct this mistake. Your swift response to this matter is highly valued and appreciated.

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 2023-11-16 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: TD BANK US HOLDING COMPANY
State: MO

Complaint narrative:
Company violated FCRA 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
This complaint is against Comenity Bank with the Lane Bryant Credit Card. 


I received my XX/XX/2023 statement for this card with a due date of XXXX for a balance of {$220.00}. On XXXX I paid the balance of {$220.00}. On XXXX, Comenity Bank erroneously charged me interest of {$4.00}. Since it is a store specific card, and I paid the balance, I had not logged back into the card until XX/XX/2023 when I went to make a purchase and my card would not work. I messaged the customer care department and they told me my credit limit was reduced ( from {$300.00} to {$100.00} ) because I was late on my payment. I never received mail, and email, a phone call, or anything from Comenity Bank telling me my balance that I didnt even think that I had was overdue. 

The credit card statement I receive each month states the following : HOW TO AVOID PAYING INTEREST. Your due date is at least 25 days after the close of each billing cycle. **We will not charge you interest on purchases if you pay your entire balance by the due date each month**. 

My due date was XXXX, and my balance was paid in full on XXXX. 
They have also since then assessed fees and interest charges, totaling my now balance they are saying I owe of {$23.00} as of XX/XX/2023. 

I have been going back and forth with them now since XXXX regarding this. I dont care about the credit card, I asked them to close it out, but my issue is they are trying to say I owe interest I do not owe. I have requested several times even to attempt to settle out the account and be done with it to pay the {$4.00} that I should not even owe if they would refund the fees so we can be done with it and they refuse. I dont think I should even owe the XXXX, as their own terms state that they will not charge me interest if i pay my entire balance by the due date of each month, and my entire balance was paid by the due date of the month. 
everytime i bring this up to them, they just send me the same message that i was charged interest on XXXX of XXXX, and completely dismiss the fact that the interest should not have been charged on XXXX because they received payment in full on XXXX. 

Please help me, because this is very frustrating. I shouldnt even have to have had to close the card out and do all this. I have had this card for years, usually use it seasonally then pay the balance off in full and then the next season do the same thing again, as i am seasonally shopping for clothing items. 

thank you for your help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-16 00:00:00
Product: Credit reporting 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: VA

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 non-monetary relief
Consumer complaint received 2023-11-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. 
I do not recognize XXXX XXXX XXXX  According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified. 
It is also my understanding that Under the FCRA 15 U.S.C. 5 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. 
The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-11-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
This account does not belong to me, and I did NOT grant authorization for its use. Kindly remove this erroneous account from my records.

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