vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Lendmark Financial Services
State: KY

Complaint narrative:
On XXXX at or around XXXX I received a call from Lendmark Financial of XXXX XXXX NC regarding a loan payment that did not go thru due to unavailable funds they told me that I didnt make payments and even though I have history of payments that I made during the year. And they threatened to write letters to my command because I was in the military and also threatened legal action. On the phone I stated that I would be able to make a payment at the XXXX  of the month but they used harsh tactics to force me to make a payment. I needed time to make the payment as a mentioned in previous calls yet they continued to harass me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: NY

Complaint narrative:
I have a Cash App card that I regularly send money to for spending purposes every week, whether I swipe my Cash App card or take it off at a usual ATM. One week, I noticed the entirety of my usual weekly funds was taken off my card. I also noticed someone had been checking my balance remotely, which I have no clue of how to do, for sometime to see when i checked my email for receipt of the stolen money. Upon viewing this transaction, I noticed a few other times I wondered where my money had gone, someone checked my balance remotely before taking the remaining balance. Knowing the l would have a problem disputing the smaller and older transactions, I only disputed the 3 larger and more recent transactions. I contacted Cash App with proof that I was at work the time of the transaction ( s ) and would not have enough time to make to it my next shift in time for the other, proof of the multiple remote inquiries before the withdraws, and proof of the locations where the withdraws took place. In hopes these many photos and locations that were not usual spots of my transactions would help my case, I submitted my claim. I was approved on a single transaction, which was one half of a double withdraw transactions, and denied on the the other two. Clueless as to how I could be denied on one half of a double transaction at the same place, I resubmitted the transaction for dispute again along with the one at an unknown store and submitted additional proof. I was denied again and my account was closed. I lastly called Cash App support and tried to resubmit my claim by explaining to a representative how my Cash App card must have been duplicated by a skimmer and the whole situation. The rep put in the claim and also an appeal on the reopening of my account. Again I was denied and it has been 2 month with no response on my account appeal. Being an avid user with this experience, I fear Cash App are nothing but thieves working with criminals to help steal all our hard-earned money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
On or about XX/XX/year>, I attempted to purchase three items from two parties on XXXX XXXX. Specifically, I attempted to purchase two items on two separate purchases from XXXX XXXXXXXX for {$120.00} each item, totaling {$250.00} and I attempted to purchase one item from XXXX XXXX for {$120.00}. I paid the parties with XXXX through my Bank of America account. These two parties scammed me and never sent my items. 

I filed a fraud/scam complaint with Bank of America and requested a charge reversal or a refund. I also asked Bank of America if they could provide the parties ' true information so I could file a police report which Bank of America declined to do. I later received a letter dated XX/XX/year> from Bank of America denying my claim for the fraud/scam.

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 2024-12-21 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
In Accordance with the Fair Credit Reporting Act, This Creditor has violated my rights. Under 15 usc 1681 section 602 states I have the right to privacy. 15 usc 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instruction. Under 15 usc 1666B a creditor may not treat a payment on a credit card account under a open and consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 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: Upstart Holdings, Inc.
State: TX

Complaint narrative:
In Accordance with the Fair Credit Reporting Act, This Creditor has violated my rights. Under 15 usc 1681 section 602 states I have the right to privacy. 15 usc 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instruction. Under 15 usc 1666B a creditor may not treat a payment on a credit card account under a open and consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 00:00:00
Product: Credit 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Dear Consumer Financial Protection Bureau, My name is XXXX XXXX, and I am an authorized user of a Bank of America credit card ending in XXXX. I am writing to seek your assistance regarding a troubling situation I have encountered with Bank of America concerning the handling of my recent dispute. 

On XX/XX/year>, I opened a dispute related to a transaction with XXXX XXXX for a XXXX XXXX experience that did not go as promised. Below are the details of the claim : - **Claim ID : ** XXXX - **Claim Amount : ** {$5900.00} - **Claim Opened : ** XX/XX/year> Approximately one month ago, I provided Bank of America with sufficient documentation to support my request for a refund. The difficulties arose when I booked my stay on the cruise ship, only to later find out that my original accommodation was no longer available. This led me to accept a downgraded room, under the assurance from the merchant that I would receive a refund for the initial booking. However, in order to secure the downgraded room, I was required to make an immediate payment for a different room, which I covered using my XXXX XXXX card ending in XXXX. 

Despite my best efforts to obtain a refund from XXXX XXXX, my numerous inquiries have gone unanswered. Following the initiation of my dispute with Bank of America, I finally received acknowledgment from the merchant stating that they were reviewing my issue. I submitted all relevant communications and evidence to Bank of America ; however, my dispute was closed in favor of XXXX XXXX  without any thorough investigation or consideration of the materials I provided. 

I am deeply troubled by Bank of Americas handling of my claim, which seems both unprofessional and negligent. The closure of my dispute without a comprehensive review of the evidence is concerning and has left me without the funds that are rightfully owed to me. 

I am now seeking legal advice and assistance from the Consumer Financial Protection Bureau in addressing this situation. I believe it is imperative for financial institutions to uphold their obligations to their customers and ensure fair dispute resolution processes. 

Thank you for your attention to this matter. I appreciate any guidance or support you can offer as I navigate this troubling situation. 

Sincerely, 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 monetary relief
Consumer complaint received 2024-12-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Company Response : XXXX has processed this complaint as a dispute and cease and desist request. XXXX will no longer contact the consumer regarding this account. Please note that they are no longer collecting on the account. Since the account is no longer with XXXX it should be delete. Lastly, XXXX stated that it does not report to any of the credit bureaus for this creditor. If the consumer has questions regarding credit reporting, they suggested that I reach out directly to the credit reporting agencies.

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 2024-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SOFI TECHNOLOGIES, INC.
State: LA

Complaint narrative:
Sofi have my money and refuse to close my account or give me my funds that was left into the account. Ive called the IRS and they are saying my check has been cashed but I have not yet to get my money. Sofi is stealing my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
TransUnion has repeatedly ignored my disputes and failed to comply with the Fair Credit Reporting Act ( FCRA ), including violations of 15 U.S.C. 1681i for not conducting a reasonable investigation and 15 U.S.C. 1681e ( b ) for failing to ensure maximum accuracy. These actions have caused me financial harm, emotional distress, and reputational damage. Despite submitting evidence, TransUnion continues to report inaccurate information, leaving me no choice but to seek damages under 15 U.S.C. 1681n and 1681o. I request the CFPB to intervene and enforce compliance.

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 2024-12-21 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: MD

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

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 2024-12-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
XXXX XXXX XXXX stated that Capital One Bank sold them 4 account under my name. 
Accounts ending in # XXXX # XXXX # XXXX # XXXX and thereover XXXX XXXX XXXX is trying to collect on these 4 accounts and also are selling and passing all of my Personal and Private information to third parties companies. 

I request that Capital One Bank send me the Receipt that shows for how much they sold these 4 accounts to XXXX XXXX XXXX. 

I request XXXX XXXX XXXX to send me the Receipt that shows for how much they bought these 4 accounts from Capital One Bank. 

XXXX XXXX XXXX bought these 4 accounts for a Penny on a Dollar and now they trying to scam and rip me off trying to collect the whole SUM...

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: McNeil & Meyers Asset Management Group, LLC
State: FL

Complaint narrative:
I am not liable for this debt with XXXX  and i do not have a contract With MCNEIL & MAYERS RECEIVABLES. They did not provide me with the original application like I asked. 


Ive contacted XXXX and McNeil and Meyers regarding this account they gave reported to the credit bureaus using my information fraudulently Ive notified them that the account is not mine and was opened using my information fraudulently and that i am a victum of identity theft they refuse to remove this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 00:00:00
Product: Credit 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: CITIBANK, N.A.
State: TX

Complaint narrative:
Based on case XXXX : I requested a detailed history of the dispute investigation that citi conducted over a 90 day period that would justify their rejection of the charges as fraudulent. They have not responded

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 2024-12-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
Hello! This XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX!!! I requested from XXXX and Portfolio Recovery Associates, XXXX a copy of the Original Purchase Agreement and or Verification of the Alleged debt listed, see 15 USC1692 c, g Validation of debts!! XXXX XXXX XXXX around XXXX sold the debt Portfolio Recovery Associates of {$600.00}, now its {$670.00}! A signed agreement with original creditor and signed by all the parties involved!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 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: FL

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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 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 response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: LA

Complaint narrative:
I'VE NOTICE THESE 2 COLLECTION ACCOUNTS ON MY CREDIT REPORTS ON XX/XX/year>. THESE COLLECTION ITEMS HAS BEEN REPORTED ON MY THREE CREDIT REPORTS. I HAVE NO KNOWLEDGE OF THESE TWO COLLECTION ITEMS- XXXX XXXX XXXX ( XXXX ) XXXX {$360.00} OPENED-XXXX AND XXXX XXXX XXXX ( A BANK ACCOUNT ) XXXX {$1500.00} XXXX. I'VE NOTIFIED THESE 2 COMPANIES, NO RESULTS. PLEASE HAVE THESE TWO COLLECTION ACCOUNTS REMOVED OR DELETED FROM MY THREE CREDIT REPORTS. THIS IS IDENTIFY FRAUD/THEFT.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 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:
I have continuously reached out to all three of the credit bureau sin regards to the inaccuracy on my credit report. XXXX has not even responded in30 plus day. These accounts are inaccurately reporting on my credit file and is causing me to lose jobs nor find shelter do to the items reporting negatively on my file. I would like for these items to be properly investigated in a timely manner and removed and blocked from my file. 

XXXXXXXX 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 2024-12-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: OUT TECH, INC.
State: PA

Complaint narrative:
Reason for the dispute : I am contacting you, the honorable credit institution XXXX, to inform you that my credit report shows a report from the hospital. This was the first time I went to the hospital in the country, and I went because I was XXXX XXXX XXXX XXXX. They sent me to have a XXXX test. I had insurance from the company where XXXX XXXX belonged. The hospital called me and authorized the test, saying it was {$130.00}, but without the insurance it would have been {$560.00}. When they sent me the receipt that I was going to pay, they sent me another one for {$1200.00}. pains and it is an abuse on their part, for example if I had been without insurance it would have to be XXXX, but I had insurance, and even so the sum extended much more than double, when I tried to contact the hospital, they never answered me to give me said information of their irresponsibility, and then they put it in collection, you can see that my payment history is excellent and for this reason I am opening a dispute, because this is affecting my credit for future plans, despite this I continued with my XXXX  problem and I stopped going to the hospital for fear of payment, that is, that frustrated me because I do not like debts. 

Thank you in advance and please I would like to have an answer as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so l May review to see if this is actually an account that belongs to me. 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 2024-12-21 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: EQUIFAX, INC.
State: GA

Complaint narrative:
This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so l May review to see if this is actually an account that belongs to me. 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated
State: CA

Complaint narrative:
To whom it may concern : I recently received a copy of my credit report. I am concerned about the accuracy of the information being reported. Please investigate the following accounts as I dont believe the information to be accurate.Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the Fair Credit Reporting Act unverifiable accounts must be removed. Please send an updated copy of my credit report to the address listed above after the conclusion of your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 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: NY

Complaint narrative:
On XX/XX/year>XXXX  my auto loan was paid off in full. XXXX XXXX XXXX account number XXXX Auto Loan. Experian is reporting incorrect information. My credit score was affected by this.

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