vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/2021 bank of America withdrew from my checking account the amount of {$10000.00} instead of the amount of {$170.00} thru electronically payment. 
On XXXX after I notice the error ( my checking account was minus ) I call BOA and made aware of the error. 
They acknowledged it and was told they will return the monies back to account within 5-6 days. After 10 days I called because they had not done so, and was told that had not done the return because of bank regulations, today I called again and again I got the roundabout and this time I was told that I'll my money within 5-6 more days, ( already they have my money 14 days and the possibility of not getting it back even now ) is very possible. In the mean time it cost me over {$200.00} in return and late fees for checks that already had gone out!

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 2022-01-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
The company in question is XXXX. Do to resent medical events and other occurrences, it was a medical suggestion for me to get a pet for emotional support. Long story short, I went to see a pet at XXXX, they had me fill out some paperwork while I played with an adorable puppy. Then I was given 24hours to decide if I wanted the dog that I saw and played with that day. ( XX/XX/XXXX ). 

I came home, did a little research and decided that I did not want the dog, the very next day or any other date in the future. I informed XXXX personnel on ( XX/XX/XXXX ) less than 24hours later of my position, not to proceed with the purchase. A few months passed and some time in XX/XX/XXXX, I received a bill stating that I owed {$2200.00}. I immediately contacted the credit card server to file a complaint. I was told that an investigation would be conducted and that someone would be in touch. No one followed up with me and I continued to receive stressful calls for collection. 

Do to some unforeseen financial issues alone with the medical ones, I was encourage to file bankruptcy and XXXX was a part of the inspiration for me to move forward with the recommendation given by my attorney. 

Perhaps my creditors will get some sort of payoff from the bankruptcy including XXXX, but my complaint and real concern is, how many other individuals are being scammed or harassed into such difficult circumstances and feeling helpless as thought theres nothing they can do about the threat of this type of credit reporting? 

And by the way XXXX has since then remove their companies name from the XXXX, which was where I retrieved most of the discouraging information not to buy a pet from them. And still to this day ( XX/XX/XXXX ) I do not have and did not purchase a pet of any kind from XXXX or any other pet venders.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My social is being used to open bank accounts and credit cards I have frozen all my account with all 3 bureaus but equifax denied my disputes and they remain on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 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: Self Financial Inc.
State: AL

Complaint narrative:
On XX/XX/XXXX A Debt Validation Letter was sent. This is very harmful to my credit as I apply for my first home. On XX/XX/XXXX a letter was sent as of today XX/XX/XXXX this debt has not yet been proven to be owed by me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-04 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: TN

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 2022-01-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I had originally opened a credit card with Citi ( CitiBusiness Platinum Select ). Around XXXX XXXX XX/XX/2021 I had closed my account. In XX/XX/2021 I received a letter in the mail stating that my account had a balance and was going to be sent to collections. I then called again on XX/XX/XXXX and they refused to acknowledge that I had closed the account, claiming that the bank closed it. They also informed me that the resulting balance was from the annual fee + interest + fees all due to that annual fee. There was Zero balance from charges I made. As I had already closed the account before the annually fee, it should not have a balance. I was told to give them XXXX business days when I called on XX/XX/XXXX. I called again on XX/XX/XXXX and was told to give them XXXX business days. I called again on XX/XX/XXXX and XX/XX/XXXX, and each time I'm told to give them XXXX business days. On XX/XX/XXXX I was also told that if I don't pay the current balance of almost {$300.00} by the XXXX I would incur additional fees... all because they refused to close my account when I originally requested. The annual fee is {$99.00}, for it to incur 200 % in fees and interest for an account I had closed is predatory.

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 2022-01-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I have 2 credit cards with Santander bank which were under forbearance due to a reduced income due to Covid. The cards were under forbearance for 6 months after which time I requested an account review because I was no longer to afford the payments due to a continued reduced income. I was told the accounts had to go 45 past due before I would be helped. After this time, I called and spoke to a Representative with whom I gave all my monthly expenses ( and who also told me I did not have to wait 45 days to go past due ). After this calculation, I had about $ 600 month left to pay these 2 cards. However the Representative told me her system was showing that I did not have enough money to pay them every month ( which is true at a 20 % interest rate which was why I was trying to get the interest rate reduced- all of my other creditors have reduced the rate to 0 % and/or reduced the amount owed ). If they had used a lower interest rate I would be able to pay them which was the goal of my call for the workout plan to begin with. She told me I could continue paying but that there was nothing they could do to help me reduce the payments/rate and that the 2 accounts would Charge Off after 180 days. I was shocked that the bank was taking this position, so I contacted an Attorney to try and reason and negotiate a lower payment but they still declined any offer to help, despite our Good Faith attempts. We were told the bank would rather take the Charge Off than lower the interest rate.

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 2022-01-04 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Netspend Corporation
State: SC

Complaint narrative:
My first question is if I don't give you my personal information. Example if I give you my personal information and authorize you to check. We could find and resolve. NetSpend XXXX a fraud alert came about. They sent me a text message block my card. Then I called and confirmed to block my card. They sent me a new card and they put it on another account. Which is mine with no money. I have called several times and had this money transferred. To the new account. I have to eat sometime. And it's still not there and when I call they put me through the same process. Also someone has all my electronics. My emails phone numbers. They might even contact you they're not who they are

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 2022-01-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a part of a Class Action Lawsuit with XXXX XXXX which was settled on XX/XX/XXXX, XXXX 
part of the settlement is that XXXX will request the the three nationwide consumer reporting companies delete trade-line information on every persons credit report related to our account with XXXX which is the subject of the case. 

I am holding a letter of the law suit and spoke to someone last week regarding the credit bureaus removing the bad credit, she stated I can give you the phone number and website where you can obtain all of the information you need to get this resolved. 

www.allynoticeclass.com XXXX Please remove all bad credit from XXXX, Transunion, and XXXX that pertains to 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 2022-01-04 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: FL

Complaint narrative:
I am a part of a Class Action Lawsuit with XXXX XXXX which was settled on XX/XX/XXXX, XXXX 
part of the settlement is that XXXX will request the the three nationwide consumer reporting companies delete trade-line information on every persons credit report related to our account with XXXX which is the subject of the case. 

I am holding a letter of the law suit and spoke to someone last week regarding the credit bureaus removing the bad credit, she stated I can give you the phone number and website where you can obtain all of the information you need to get this resolved. 

www.allynoticeclass.com XXXX Please remove all bad credit from XXXX, XXXX, and Experian that pertains to 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 2022-01-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I purchased handbags on the net and upon receipt of items it turned it to be that all items received are counterfeit items Tried to call merchant but no answer, the website I purchased from disappeared ( XXXX XXXX ) and I can not get to the merchant and when I texted the number of the invoice I received a message stating this not a business phone no. ( copy of text attached ) I submitted a claim to Capitalone consumer protection dept. stating the problem and my claim was denied three times in the past two months and bank are not cooperating to protect me as their client. 

The bank asked me for the impossible which a letter from a third party stating that items are fake and XXXX XXXX store at the XXXX XXXX XXXX told me that they will not authenticate or issue such letter. 

The only way to find a company that does authentication and pay a few to authenticate which capital one card investigation dept. refused to cover the cost and asking me to cover the cost of authenticating the bags

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 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: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
I worked with a debt relief company, XXXX XXXX XXXX, to pay down/off my credit card debt. I had an account with Synchrony Bank/Amazon that was settled and paid in full in XX/XX/2021. Synchrony Bank has refused to update my credit report to reflect the current {$0.00} balance and still shows that I have a past-due balance. I have disputed the account 3 times and have spoken with the bank who stated that they will continue to report a past-due balance, but that I don't have to pay it.

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 2022-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Bliksum, LLC
State: WI

Complaint narrative:
LoanMe/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX My Wife and I had an unsecured loan opened on XX/XX/XXXX, for {$10000.00}. 
In XXXX of XXXX, my wife and I filed for Wisconsin XXXX XXXX, Voluntary Amortization of Debts, and were granted a Debt Repayment Plan from The Circuit Court of XXXX XXXX, State of Wisconsin. 
In XXXX of XXXX, our repayment plan was finished, and The Court ordered our plan completed, paid in full, and dismissed. 
This creditor continues to report to all three of the credit bureaus negative information. 
In XXXX, XXXX, and XXXX they reported nothing to the bureaus, then in XXXX of XXXX they started to report negatively again. 
This negative reporting continues to cost me thousands of dollars in interest and fees and is fraudulent because I have the documents from the court that say they were paid in full. They are maliciously reporting to the credit bureaus to continue to keep my credit scores extremely poor.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I am writing today in regards to my account with Citibank account # ending in XXXX. The reason for writing today is in regards to the late payment which is showing on my report in XX/XX/2020, due to XXXX I was unable to make the payment in XX/XX/2020. As soon as I was able to, I got my payment made and caught up. I have been on time ever since.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 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: NY

Complaint narrative:
Despite being notified by XXXX and mailing my official identification, Equifax continues and is happy to report a fraudulent hard inquiry on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 00:00:00
Product: Credit reporting, credit repair services, 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: VA

Complaint narrative:
Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. 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 non-monetary relief
Consumer complaint received 2022-01-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In the month of XXXX & XX/XX/2021, I sent letter to all three agency XXXX, XXXX and Equifax disputing accounts eastern account system for the amount of {$100.00} and XXXX acct # XXXX, XXXX XXXX {$29000.00}, XXXX XXXX {$230.00}. I stated that these accounts are inaccurate, not my accounts and I did not give permission for these accounts to be reported on my credit report. which this is a violation of the FCRA. XXXX removed all accounts listed above. this is unauthorized uses of credit report. How this information is this verified or accurate if its only one creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I reached out to Bank of America on XX/XX/XXXX at XXXX XXXX  and spoke to a representative from Arkansas, I told him that I opened an account back in XX/XX/XXXX and the reason for opening an account was because it was advertised that there would be a {$200.00} credit on my account, if I were to spend {$1000.00} within 90 days ( according to the fine print ). I realized I never received it, after looking into my account and I spent that amount way before the 90 days, but it was not credited to my account. 
The representative mentioned to me that he couldn't apply that promotion because it was too late. I told him that promotion should be honored and that it was not my fault that it was not credited to my account. I asked to speak with a manager and his manager ( XXXX ) would not speak with me and would tell the representative what to say to avoid talking to me. I asked to speak with the manager twice and the representative made excuses for him. VERY UNPROFESSIONAL!! If this is not honored to my account. I will be escalating this matter to court. This is False advertisement and very misleading and Now I'm wondering how many people this has happened too??

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 2022-01-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nelnet, Inc.
State: GA

Complaint narrative:
I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC
State: NY

Complaint narrative:
I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This account has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe {$160.00} with this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 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: NC

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 2022-01-04 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Home Loan Center, Inc.
State: IL

Complaint narrative:
I paid two separate fees to help process this loan and now they are asking for more fees

Company response to consumer: Closed with explanation