vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-15 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: CA

Complaint narrative:
On XXXX XXXX, XXXX, while I was traveling with a friend in XXXX, XXXX, Bank of America informed me that a charge of {$2800.00} was made that day against my BofA Visa card from a merchant at a shopping mall in another part of XXXX. I denied I had any knowledge of the purchase nor did I have any explanation for it because the card had remained in my sole possession in XXXX. I asked for all details of the apparent fraud and was assured they would be sent to me. On my return to XXXX XXXX XXXX XXXX, XXXX, I began a series of contacts with the BofA fraud department. The card in question was canceled and a new card, also linked to my XXXX XXXX XXXX account, was sent by BofA. In early XX/XX/XXXX, the fraud department informed me they had concluded the purchase was made using a card with my identity details and that I authorized the {$2800.00}. They had no further information about the merchant in XXXX, the alleged purchase itself or why they were accusing me, in effect, of committing a fraud. Again I repeated my demand for any evidence to support their decision. On XXXX XXXX, XXXX XXXX XXXX informed me they intended to take the disputed amount of {$2800.00} from cash in my XXXX XXXX  account and they did so on XXXX XXXX, XXXX. I believe I am a victim of illegal seizure of funds by Bank of America.

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 2025-02-15 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: Chime Financial Inc
State: TX

Complaint narrative:
I was charged twice by a company called XXXX. I called chime to dispute the charges. They asked me to email them supporting documentation and I did. I called and spoke with a supervisor who was rude and when the call was over she went and had my dispute denied out of spite. I called back and explained to another supervisor what had happened and she was no help and rushed me off the phone. I have to say that chime is the worst bank Ive ever dealt with and needs to be reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 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: CA

Complaint narrative:
XXXX XXXX : XXXX : Date of XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Collection accounts 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 XXXXThese accounts have resulted in fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts and or collections as reported. The aforementioned accounts and collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts and collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX : XXXX : Date of XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Collection accounts 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 XXXXThese accounts have resulted in fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts and or collections as reported. The aforementioned accounts and collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts and collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Netspend Corporation
State: TX

Complaint narrative:
On XX/XX/2025 i received a Debit XXXX card from NETSPEND who issued me a debit card in my name without my consent. This company has stolen my identity and someone there is using my personal information to create these fraudulent cards in my name. I have received several of these fraudulent cards from this company in the past. I have filed a Police report on this Identity Theft crime. I have filed a complaint with the FTC, State and Local DA.

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 2025-02-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: U.S. BANCORP
State: NY

Complaint narrative:
Us Bank XXXXXXXX XXXX XXXX Credit inquiries not mine

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 2025-02-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I have an online savings account with Marcus by Goldman Sachs that I attempted to close and transfer my funds to another linked account with a different bank. During the week of XX/XX/year> to XX/XX/year> I connected my new bank account to the Marcus account and successfully transferred money from Marcus into the new account.

Then once I successfully did this, I selected to close my Marcus account entirely and transfer all the money in Marcus to my new bank account. However, Marcus has locked my account, preventing me from accessing my money or having the money transferred to my new account They sent me what appears to be automatic emails on XX/XX/year> and XX/XX/year> saying that my account with Marcus was closed.

When I contacted customer service, they said they could not verify my identity through their normal verification process, which includes sending a one-time passcode to my phone or generating security questions from public databases. They also informed me that their system does not support sending verification codes to my mobile number, even though my phone is fully functional. I called Marcus at least three times to try and have this issue resolved and no one could provide me with information on what was going on. 

I spoke with my financial adviser regarding the situation and he suggested I lift the freezes on my credit reports with XXXX, XXXX, and XXXX so that Marcus could generate the questions from public databases. I did that successfully and after calling them back, they were able to generate the verification question however they said that my account was still locked even thought I answered the question correctly.

Marcus is now requiring me to wait for an affidavit to be mailed to my home to verify my identity and will not tell me how long this process will take. This is causing an unnecessary delay in accessing my own money, and I believe their verification process is unreasonable and overly restrictive. 

I have already taken the following steps to resolve the problem. 

I confirmed that my phone is working, and there are no issues with receiving messages from other institutions. 

I inquired whether a credit freeze might be causing verification issues, but Marcus has not provided a clear answer ( even though it looks like that was an issue because they were able to generate the questions after i lifted the credit freezes. If they had just told me that originally I don't believe i would be in this situation! 

I requested alternative methods of verification ( such as an electronic affidavit which i know is allowable by law, but they refused. ) I escalated my concerns to a supervisor, but they insisted that mailing an affidavit is the only option.

This situation is causing financial hardship and unnecessary delays in accessing my own funds. Marcus has not provided a reasonable solution or a clear timeframe for resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
We got behind on our mortgage payments when my husband was diagnosed with a terminal illness. I had to buy his medication that was extremely expensive. And we had medical bills. I was given a repayment plan that lasped when we had 2 hurricanes last year. I had to pay to fix damages. I was recently given a repayment plan for XXXX down payment and XXXX XXXX. I have contacted my mortgage service and told them I have XXXX dollars to put down and can pay XXXX a month after that but they are saying my investor wont allow a 6 month repayment plan because I am in active foreclosure ( but the foreclosure has been on hold for a year ). They said if I dont except the XXXX repayment plan, I go into foreclosure, even though I have money to pay down and can make my payments plus pay back arrears. They are saying No and again because of my investor. I felt pressured to accept the XXXX. Repayment Plan because they kept saying there is no help. And they are going to foreclose and take my home. My husband is a XXXX XXXX XXXX retired from XXXX XXXX. He is on home hospice care, on oxygen, and this investor who is XXXX XXXX XXXX XXXX XXXX XXXX and Shellpoint mortgage service is refusing absolutely refusing to help an XXXX veteran who served 25 years, they want us to move out of our house because we got behind due to a terminal illness. I have the money but not XXXX XXXX, I have XXXX and money to pay every month. But again they want to kick an old man and his family out of thier house instead of giving us a XXXX month repayment plan. Please help us to keep our house, I have the money just need longer repayment plan. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 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: IL

Complaint narrative:
I have not supplied under the doctrine of estoppel by the silence of Engelhardt v Gravens ( mo ) 281 SW715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character 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 2025-02-15 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To whom it may concern, Upon reviewing my consumer reports, I have identified discrepancies in the reporting of late payments associated with my account. Specifically, I have found inconsistence of late payments on the following account : Account Name : XXXX XXXX Account Number : XXXX As a responsible consumer, I have always made timely payments on this account and take great care in meeting my financial obligations. Therefore, I am concerned that these late payment entries do not accurately reflect my payment history. 

Given the importance of accurate and truthful reporting, I respectfully request a thorough investigation into these discrepancies. Please provide supporting evidence demonstrating the late payment status, such as statements or other relevant documentation. 

If such evidence can not be provided, I request that these entries be corrected immediately to reflect an accurate on-time payment history, as I have consistently upheld my payment commitments without delay. I appreciate your prompt attention to this matter and look forward to your response. 

Thank you in advance!

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 2025-02-15 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Commercial Acceptance Company
State: PA

Complaint narrative:
On XX/XX/year> had XXXX  police come to help me off the floor no injury. XXXX arrived of which I didn't ask for. I signed a paper refusing them. No treatment was done to me just asking questions not related to this. The officer is XXXX. He also did not like their attitude. I was billed for treatment not served.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you Experian, Equifax, and Transunion block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

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 2025-02-15 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you Experian, Equifax, and Transunion block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I was a victim of fraud. I sent a payment to a fraudulant landlord. I provided his banking info to Chase and have a copy of a lease we both signed. Bank refuses to cover the amount stolen from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
XXXX and XX/XX/year> XXXX  payments from Chase Bank. We're processed without my authorization. I never authorized provided information of regarding my accounto anyone? Chase claimed no refund due because I authorized the payments which is not true.I did not.This is not a scam is broad broad

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. 1 believe these practices are unfair and request an investigation into my account transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I would like to express my concern regarding the two American Express cards, each valued at {$500.00}, that I received. Unfortunately, I have been unable to use them at any location, which has caused significant frustration. I believe these cards were intended to provide a benefit, but due to their non-functionality, I am unable to access the funds. I kindly request a review of this situation and a potential refund, as I feel it is only fair to be reimbursed for the value that I can not utilize. Thank you for your attention to this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-15 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Through this message I want to continue the claim that I started with you, claim number XXXX, which after you investigated with the American Express company about my fraud claim, I received a letter from them on XXXX XX/XX/year> where they told me that they would continue investigating and that they could not delete that account until the investigation was finished, I reiterate that I was a victim of identity and that I did not request any credit from them, that I never made any payment from a XXXX account XXXX because I have not had accounts at XXXX and that I need you to delete that account from my credit history. As of the date of this message, the company has not given me any response, thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
refer to the attached XXXX XXXX, been XXXX XXXX XXXX while I have also been targeted many times as people tried to take advantage of my declining health received a card, tried to activate the card and was unable. 
nordstorm customer rep tried many times to interrogate me, yes interoggate me as I told them I have no recollection of the purchase but I was in the store trying to shop and use the card they sent. 

this statement is on their system as all calls are to be recorded. I submitted this also as a complaint with XXXX and their negative marks is affecting my ability to buy a house, obtain cards while I wait on the system to provide me social security as I am unable to work and was fired from my job while on XXXX XXXX XXXXXXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do not have the strenght or physical capabilities to keep being harassed by all these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 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: FL

Complaint narrative:
In the accordance with the fair reporting act, the list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 List of accounts here : Child Support This company have violated my rights. 15 U.S.C 1681 section 602A States I have the right to privacy 15 U.S.C 1681 section 604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other then records of convictions of crimes which antedates the report by more then seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
My account was found ot have been frauded with someone withdrawing almost XXXX XXXX dollars in another state. This was not an authroized transaction. 

I went to the bank to report the fraud and they denied my claim even though they stated it was fraud when they contacted me to alert me. 

They stated it was fraud but will not credit my account.

Company response to consumer: Closed with monetary relief