vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-23 00:00:00
Product: Credit 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: TX

Complaint narrative:
I am a victim of a fraud ring involving multiple transactions -- all Cash Advances. In 15 years of being Bank of America customer, I have never taken out a cash advance. I submitted the transactions as Fraud and one claim has been paid. The other follow a similar pattern -- initially the transactions are removed, then after a few weeks the claim is denied and the transactions are placed back on the account. A letter is sent stating the " chip was read '' or " statements were sent to your address ''. When I ask for the evidence used to arrive at the decision, nothing ( literally nothing ) is sent to me. Once the transactions are back on the account, it's an endless loop of denials and reopening -- meanwhile I'm stuck making payments for fraudulent purchases. I have sent in all items requested, including a police report. Bank of America has not conducted a reasonable investigation of my dispute and therefore is in violation of FCRA. Bank of America is also violating the terms of its own Credit Card agreement : Unbeknownst to me until this fraud occurred, the cash advance limit is {$4800.00}. The Fraudsters have been able to charge almost {$15000.00} in cash advances.

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 2023-10-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: OPTUM BANK, INC.
State: MA

Complaint narrative:
I call Optum Bank the bank provide the card I put every monts many in the card my company I work put same many but I call the bank I see transaction suspicios and the bank say the bank reemplace card this accion i do 3 mont ago end recibing card the same nomber have complain in i call secontime say the card is the same i have and bank say make mistake end resend new cards but the no recibing card and tray to speack againg no attended not have nating information and close my account and have many in the card i dont no wats i need to do thank you. I am sory for my Engles.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Teletrak, Please send me a copy of my consumer report - my drivers license, social security card, current address, and request form are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-10-23 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: Resurgent Capital Services L.P.
State: IN

Complaint narrative:
The XXXX major credit bureaus have this account on my credit and i haVE BEEN AT LEAST A YEAR OR MORE WRITING MANY LETTERS TO Them TELLING THEM ITS not MY ACCT, They refuse to help me or take the acct off my credit reports. 

LVNV {$590.00} XX/XX/21

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
This morning, I found out the following issue, by the email notice from XXXX. 

This morning I have realized that my subscription orders, which must have been paid by the credit card ending in XXXX, were mentioned by your company as void for payment. Since I. have already written to your company, which have happened recent illegal usage of credit cards, which issued by another bank in the United States, and credit card, which I tried to use yesterday for the transactions with your company, I wish you will investigate this matter seriously and make be possible to buy and have the business transactions safely and legally. Because I realized that one transaction, which I did last night with your company, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX seemed to be charged correctly, I wish you will explain why this discrepancy existed. As I have stated the previous letter written yesterday, XX/XX/2023, I wish you will provide safely usable replacement card to me. I enclose the transaction history of your 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 explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Leafy Financial, LLC
State: PA

Complaint narrative:
I brought Some tables back in 2022 of XXXX when they came they was cracked XXXX broken i reached To the company i brought Them from which was XXXX XXXX  they said they would send tables out but they was out of stock months later they stopped answering my messages through online i gpt I touch with u own leasing they told me if i would Pay XXXX they would marked it as paid being as though these tables came to me cracked and broken up from the shipping and handling Than after about two months leafy started connecting me about full payment when in fact i wasnt Told it would be full payment i have Included emails from furniture XXXX and leafy to prove my point these tables came to me messed out and broke XXXX cracked but they wanted me to pay full price on an item that wasnt how they supposed to have came which is very wrong on my behalf as a customer

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: UPGRADE, INC.
State: FL

Complaint narrative:
On XX/XX/22 a deposit of {$5400.00} was made into a joint account between myself and mother. I did not request this loan! At the time, my mother had XXXX ( she has since passed ) so she also did not ( or could not ) request this loan. Since that time, I have been charged with a monthly payment of approximately $ XXXX. I contacted my bank XXXX XXXX XXXX XXXX ) and they have since refunded some, but not all of these monthly charges. Just recently I was notified by XXXX XXXX that the full value of this loan is {$10000.00}, even though only {$5400.00} was credited to my account, again without my consent. This loan is damaging close to perfect credit score. This morning I contacted the loan company, Upgrade.com and they recommended that I contact this site. I just want the monthly debits to go away. I'm obviously ok with paying back the amount credited to my account, but only that amount, not the related interested or any principle that I did not receive.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Avant Holding Company, Inc.
State: DC

Complaint narrative:
Avant XXXX XXXX XXXX issues XXXX XXXX XXXX XXXX ) to fair credit consumers @ {$300.00} / credit limit. Charges {$59.00} annual fee ( XXXX yr and increases fee after XXXX -- months. 
Irregularities with processing payment ; unauthorized ACH withdrawal from the consumer bank account, once Avant XXXX has consumers bank routing and account number ; consumer is vulnerable to unauthorized withdrawals. The XXXX  XXXX customer service number is answered by either entities involved with the ownership or persons trained to confuse the consumer with dates and amounts related to card balance or paid accounts that aren't reflected in credit bureau as paid. 
Avant LLC XXXX XXXX could be FDIC state chartered although there are suspicious activities as to how they are managing consumers accounts and bank accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Westlake Services, LLC
State: AR

Complaint narrative:
American car center closed its doors like right after all the papers were signed for my buy out of the lease i was waiting on my title with them as lien holder for the amount of XXXX no finance charge that included the cost ofXXXX for tags and license which I never have received I did not know where to make payments until XX/XX/2023 at that time I requested my tags and they gave me the run around I call weekly trying to get someone to help I felt like that if I kept paying my payment Id never own the vehicle so I stopped making payments they now have repossessed my vehicle I was never late on my payment to American car center I paid them well overXXXX dollars and I have now lost that money because the didnt hold up to their own contract of providing me with a title so I could tag my car and drive it cause my tags went out in XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I/Me/Myself/Us/We/Ourselves, XXXX XXXX XXXX, the undersigned affiant, a living XXXX declare that I am of majority and competent to state the matters set herein with first-hand knowledge of the facts and that they are true, correct, not misleading, and certain, admissible as evidence. The following corporations have knowingly participated in false and misleading practices and are not willing to rectify this matter. I was knowingly and falsy misled by not being given full disclosure of my rights as a consumer. I have started the administrative process by following all rules and regulations set forth by Congress. I have sent out Affidavit notices to this corporation making them aware of the violations pursuant to 15 USC 1602, 12 CFR 1002.2, 12 CFR 1026.13 ( a ), 12 CFRb1026.17, 15 USC 44, Regulation B 12 CFR Subpart B, and 15 US CODE 1692 ( c ). I have spoken to them via phone and email as well as certified mail and they have yet to even acknowledge my attempts nor credit my account. I sent the first notice and remittance transfer on XX/XX/2023 another on XX/XX/2023 and the last one was sent on XX/XX/2023. I will attach all the documents that were sent to this corporation below upon request as I have already sent them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: CL Holdings LLC
State: PA

Complaint narrative:
XXXX hired Jefferson Capital Systems , LLC to collect a written off debt that was discharge under 48 stat. 162, 31 CFR 363.144.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
On XXXX I purchased something online in the amount of {$89.00} through PayPal for payment. 
PayPal automatically set-up reoccurring payments with the vendor in the amount of {$89.00} for 7 consecutive days or until XXXX, one payment per day. 

On XXXX PayPal authorized one payment for the purchase of an exercise machine. 
On XXXX PayPal authorized a second payment which was successful. 
On XXXX PayPal authorized a third payment but was denied somehow, I believe by my bank. 
I called my bank to notify of unauthorized transactions and to not accept any future requests from PayPal or the vendor. 
I tried to stop the reoccurring payments through PayPal 's website but was not allowed by PayPal, I have screenshots saved of these actions. 
I tried closing my account but PayPal would not let me, I have screenshots of these attempts. 
I called PayPal and the girl insisted on not helping me nor would she close my account. 

While this is a small amount, this adds up fast - {$89.00} x 7 = {$620.00} in a week. 
The website claims they sold XXXX units and if done the same way through PayPal, that's XXXX in a week.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
Someone used my information to apply for a loan at speedy cash it was denied but is on credit report so I put a freeze with all three agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Everest Receivable Services Inc.
State: NY

Complaint narrative:
I am hospitalized with a serious XXXX XXXX XXXX XXXX contacts me 20 times a day repeatly for the three cards I have with them. They called my work and my son. I told them the situation numerous times and they call back 10 minutes later. The phone calls are coming from various XXXX illegal locations. The dept collector is Everest receivable services. XXXX XXXX. I am on XXXX due to this XXXX XXXX. I ask that they stop calling my employer family and me. I know about the debt there is nothing I can do about it right now. XXXX XXXX. And various

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 2023-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have inaccurate information on my credit file for a very long time now Ive tried to dispute it many time but keeps getting rejected.. I have tried to explain to the companies and the credit agencies that this information is not accurate.. 

XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX And that my personal information needs to be corrected as well. 

I have provided my bank statement to show my one and only correct address and spelling of my name..

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 2023-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( MO ) 281 SW 715, 719, I presume that no proof of the alleged debt, therefore any such debt in fact therefore exists. 

On XX/XX/23 I put this statement on my credit report its not been over 30 days so they need to close the dispute and remove all of the items, instead the credit investigation is still open

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 2023-10-23 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: IL

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning unauthorized inquiries on my credit record. This information does not belong to me. I need this fraudulent information 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 2023-10-23 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: IL

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning unauthorized inquiries on my credit record. This information does not belong to me. I need this fraudulent information 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 explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have inaccurate information on my credit file for a very long time now Ive tried to dispute it many time but keeps getting rejected.. I have tried to explain to the companies and the credit agencies that this information is not accurate.. 

XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX And that my personal information needs to be corrected as well. 

I have provided my bank statement to show my one and only correct address and spelling of my name..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have inaccurate information on my credit file for a very long time now Ive tried to dispute it many time but keeps getting rejected.. I have tried to explain to the companies and the credit agencies that this information is not accurate.. 

XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX And that my personal information needs to be corrected as well. 

I have provided my bank statement to show my one and only correct address and spelling of my name..

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 2023-10-23 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
XXXX Midland Credit Management is being inappropriate and unfair to me. They have refused to verify debt. THEY Claimed that they were going to sue me and constantly contact family members. I have asked them for required information on who they are and what's this debt all about and for the record I had no issue with setting up payment agreement. I sent them a certified letter return reciept. But there representatives have made mockery of my financial situation. Also they said they don't have to explain anything. They told me they have copies of all my credit reports and social security number and that it's already been given to a lawyer and I am in Big trouble now. They have yet to tell me I owe this particular debt and I just ask them to identify what's going on and they say pay now and save myself before it's to late. I asked them to stop contacting me cease and desist until they can be professional and they still contacted me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Credit card — Store credit card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
Hello, I reviewed my consumer reports and noticed that I had a Charge Off account from XXXX Capital One Account number : XXXX Reported XX/XX/2022 on my consumer report. I sent a letter to this company certified mail green return receipt signed from an Agent and still have not gotten a letter from them yet. XXXX/Capital One have : assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy.The IRS Clearly defines a Charge Off as Gross or Ordinary income, Income does not get reported on the consumer report. Which in fact makes the reporting of this account inaccurate. This account must be deleted from my consumer report. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information Prohibition ( A ) Reporting information with actual knowledge of errors 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. 
Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact. 
Prohibition : a law or regulation forbidding something As Defined by The IRS. 


I'm demanding this account to be deleted from my consumer report, because they're reporting it as a Charge Off. This reporting is inaccurate and must be deleted.The IRS Clearly defines a Charge Off as Gross or Ordinary income, Income does not get reported on the consumer report. Which in fact makes the reporting of this account inaccurate.

Company response to consumer: Closed with explanation