vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
XX/XX/2021 somebody charged my debit card in Bank of America ( BoA ) first time for {$2500.00} and then for {$580.00} through the XXXX XXXX XXXX, and twice by {$9.00} through The XXXX XXXX. Totally for {$3100.00}. The BoA alerted me about these payments and I refused to accept them as my purchases while these charges were at the processing stage. The BoA claim ID : XXXX. We asked the BoA to stop processing. However, the BoA ignored our request and has processed these charges. Moreover the BoA asked us not to contact merchandisers ( XXXX XXXX XXXX and XXXX XXXX ) and wait for while the BoA investigates the case. Some time later we found in the BoA 's Message Center that this claim is " resolved -claim not paid ''. It means that the Bank of America just covered this robbery. Instead of finding the person ( s ) who used my debit card information that was stolen somewhere and somehow and initiate the criminal case, the BoA went the easy way to shift the blame on me. As I understand correct, the XXXX XXXX XXXX is financing subprime automobile loans, checked credentials of person who was taken this loan. Therefore, the XXXX XXXX XXXX has information about this person, and could initiate the criminal investigation. However, nothing was done. I have no idea who get this loan. the XXXX XXXX XXXX didn't inform me about operations where my identity was involved. It looks that this is some kind of financial arbitrariness happens in the USA. My wife and me already applied another complaint for the BoA, and XXXX which charged my credit card for more that {$9000.00} and again the BoA decided the we are guilty in those charges. We can not understand what disaster happens in the Bank of America. Instead of protecting their customers the BoA just robs them.

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 2021-12-22 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX  XXXX XXXX : XXXX. XXXX, 2021 XXXX XXXX XXXX : XXXX. XXXX, 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I DISPUTE THIS ITEMS OFF MY CREDIT REPORT. THIS ITEM WAS OFF MY CREDIT REPORT NOW ITS BACK ON MY CREDIT REPORT NOW ITS DAMAGING MY LOANS AND CREDIT IAM GETTING XXXX. THIS WAS NOT ON MY CREDIT. PLEASE BLOCK THIS ACCOUNT AND KEEP IT FROM COMING BACK ON MY CREDIT THIS IS THE THIRD TIME THIS HAPPEN. XXXX NEED REMOVE OR THIS ACCOUNT

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 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: MD

Complaint narrative:
I recently got a copy of my credit report and I noticed some unauthorized accounts and inquiries. I have since then submitted to documentation required to have these accounts removed provided to me by the company 's fraud department, yet the accounts are still on my report. I have also notice inconsistences in the accounts reporting and have attached the reports. I would like these accounts removed immediately so that i can continue my home buying process.

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 2021-12-22 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to TransUnion was XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : 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 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 2021-12-22 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Direct Capital
State: CA

Complaint narrative:
I have no idea who this company is, they are calling anyone with the same last name of whomever they are trying to reach. they left the attached voice mail with a distant relative they called.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: KS

Complaint narrative:
I opened an account with Citibank in XXXX of 2021, specifically to take advantage of a promotion ( XXXX ) they had in which you would receive a {$300.00} bonus for depositing $ XXXX in a checking account and maintaining that balance for at least 60 days. I opened my account over the phone via a Citibank representative and clearly told them the reason I was opening the account was for the bonus. She opened my checking account and my initial deposit of {$15000.00} was deposited on XX/XX/2021, within the XXXX deposit period stipulated by their conditions. After not receiving the {$300.00} bonus after the XXXX period, I called Citibank and they told me I had to wait another 90 days for it to process but that my account was showing that the bonus would be applied. I called back XXXX more times before the 90 days just to check in and each time the representative told me that my bonus would be applied and that I just needed to wait. XXXX rolled around and I called twice since it had been over 6 months since my initial deposit. The first representative told me the bonus should have been applied already and couldn't give a clear answer on why it hadn't. She told me she would send the case to a supervisor and that I should receive an email or correspondence within 7 days. Within the week I got a letter stating that I did not qualify because the " linked savings account was not opened within the stated timeframe. '' I have several issues with this : XXXX. I specifically opened the account with the intention of receiving the bonus and I did it over the phone with XXXX of their representatives. If a savings account was required, she should have been able to open that for me at the same time. 

XXXX. Their promotion also specifically says " earn a cash bonus... when you open an eligible checking account and complete required activities. '' There is no mention of opening a savings account on all of their promotion brochures, etc... If there is a savings account stipulation mentioned it is hidden in their fine print. 

XXXX. I was told multiple times by Citibank representatives that I qualified for the bonus and that it would be applied to my account with time. I waited over six months from the time I opened the account and then they ended up sending a denial letter. 

I can provide more details if necessary and if Citibank actually records their calls they have multiple conversations recorded of their representatives saying the bonus should have been applied.

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 2021-12-22 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: EQUIFAX, INC.
State: IL

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 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: IL

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against 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 non-monetary relief
Consumer complaint received 2021-12-22 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: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ

Complaint narrative:
I use a credit monitoring service. This morning I received an email from that service that my credit line with HSBC BANK USA was closed without my knowledge. This account has been open since XXXX of XXXX and has been in good standing the entire time. The account had no balance. 

I was on the phone with HSBC last month on XX/XX/XXXX. At that time the company pulled my credit history and gave me a credit line increase to {$8200.00}. 

Speaking at some length with XXXX different people this morning I was told that the line was closed for lack of use and that I should have received a letter warning me to use the line or it would be closed in the subsequent billing period. 

I never received such a letter. I wasn't given any such notice during my call on XXXX. 

Part of the reason for my call last month was that I knew that I'd be using more credit in the following month to take advantage of some generous offers on other cards and I was adding more credit to not XXXX up my credit utilization ratio. 

Assuming that this was all a mistake I gave each of the XXXX people I talked with a chance to remedy the situation. None did. Indeed they all told me that I'd need to apply for a new card. The final person said that HSBC wasn't accepting new card applications at this time. 

This company is terrible. I did all the things I was supposed to do. I monitored my credit. I over-communicated my credit usage in advance. I use their app. I open their emails. I read my mail. 

I didn't get any notification on the phone with them a month ago, and they admit they didn't bring the subject up. I didn't get any notification by email and they admit they didn't send any. I didn't get any push notifications on their app and they admit there wasn't one. All of my contact preferences on their site are ( and have been for years ) set to email communications and online statements. There are no communications listed from them digitally in their own system for this period. ( see attached screenshots ) For these reasons I find it highly dubious that at a time when they're not accepting new applications, they claim to have sent out a physical letter in the most congested logistical environment in the history of the country. 

As a consequence, my credit will suffer. It will b e more difficult to get credit. It will be more difficult for me to make investments in my business I had scheduled for the new year. It will be more difficult to replace the credit line in part because they made a hard pull of my credit just last month. It will be harder to get credit because a mature line of credit is no longer on my report. 

This credit line should be reinstated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I opened a high-interest savings account with XXXX XXXX XXXX XX/XX/XXXX. On XX/XX/XXXX, I deposited {$100.00}, and then on XX/XX/XXXX, I deposited {$40000.00}. I received a mailed letter in late XXXX requesting copies of my DL and other documents to verify my identity, stating my account was suspended. I wrote a message to the bank in the bank 's online messaging portal on XX/XX/XXXX that read the following : Hi, I got a letter saying that my account has been suspended, and you need more info from me. I just want to make sure that the letter is legitimate before sending my personal info. Thank you! 

On XX/XX/XXXX, I received a reply that simply cut and paste the text from the letter I had already gotten. I sent in all required documents by mail in XX/XX/XXXX. 

On XX/XX/XXXX, I still had heard nothing and my account remained restricted, so I messaged the bank asking for an update. I got no response. I wrote again on XX/XX/XXXX again asking for an update. This time, the response was an auto-generated message that read : Thank you for your message. One of our customer care representatives will respond to your inquiry within the next three to five business days. If you need more immediate assistance please call us at : XXXX. 

But I never actually received any response to my question. 

Finally, I called the bank on or around XX/XX/XXXX. The rep I spoke to had no access to information as to why my account was still restricted and said they would forward my request to a manager. 

On XX/XX/XXXX, I got this message : Dear XXXX, Thank you for contacting Comenity Direct Customer Care. 

This request is still under review. 

Please let me know if you have any additional questions or if I can be of any further assistance. 

I have yet to receive a response, despite sending multiple messages again. 

On XX/XX/XXXX, I called again and the rep I spoke to again could not find the reason for my account being restricted, and said she would send a request for an account status update. I requested to close my account, as I no longer trust this institution with my finances, but was unable to do so, because of the account restriction. 

In short, my account has been restricted since XX/XX/XXXX, with no response from my bank as to why or how to resolve this immediately. These are my only savings and I need to be able to access my money. 

Thank you! 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA

Complaint narrative:
My mortgage loan opened in XX/XX/2021 was initially with XXXX XXXX XXXXXXXX. They transferred my mortgage loan to a new servicer in XX/XX/2021, Carrington Mortgage. My mortgage payments to Carrington, since XX/XX/2021 have not been reflected on my credit report as of XX/XX/2021. My credit reports only shows mortgage payment up until XX/XX/2021, and there is no current mortgage loan from Carrington reported on my credit report. I contacted Carrington in XXXX, XXXX & XXXX with claims of waiting another month. They claim to have reported my payment history as of XX/XX/2021. My credit history shows no mortgage since XX/XX/2021 under XXXX XXXX  and this has been incorrect for 6 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 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: MD

Complaint narrative:
I recently got a copy of my credit report and I noticed some unauthorized accounts and inquiries. I have since then submitted to documentation required to have these accounts removed provided to me by the company 's fraud department, yet the accounts are still on my report. I have also notice inconsistences in the accounts reporting and have attached the reports. I would like these accounts removed immediately so that i can continue my home buying process.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : ChargeOff XXXX  - XXXX XXXX Balance {$0.00} Opened Date XX/XX/XXXX XXXX XXXX Balance {$250.00} Opened Date XX/XX/XXXX XXXX Balance {$0.00} Opened Date XX/XX/XXXX XXXX  Balance {$0.00} Opened Date XX/XX/XXXX XXXX XXXX & Balance {$0.00} Opened Date XX/XX/XXXX Collection XXXX XXXX XXXX Balance {$960.00} Opened Date XX/XX/XXXX XXXX XXXX XXXX Balance {$580.00} Opened Date XX/XX/XXXX XXXX XXXX XXXX Balance {$600.00} Opened Date XX/XX/XXXX 2019

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I dont want to reviews any messages, offers, emails texts from chase. Dont ever contact my by phone or email EVER for anything

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE REMOVE THESE ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXXXXX 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 2021-12-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Experian ( XXXX XXXX XXXX XXXX XXXX, CA XXXX ) and XXXX ( XXXX XXXX XXXX XXXX, GA XXXX ) continue to report inaccuracies, errors, erroneous, deceptive, misleading, false, and unfair practices on my Consumer Report with XXXX XXXX  ( XXXX ) and XXXX XXXXXXXX XXXX XXXX  XXXX & XXXX ). This account has numerous violations that I stated in the letters. For example, one violation is reporting payment history. Since the charge off date of XX/XX/2020, XXXX XXXX XXXX XXXX XXXX is reporting on XXXX and Experian a charge off every month and it continues to updating the payment history on the accounts. Charge Off accounts should not be reporting active payment history past the charge off date. This is falsely and illegally manipulating the date of last activity of this debt.

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