vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
On XX/XX/2020 my credit card account was used to make a purchase from XXXX for {$2000.00}, discovered this transaction after being out of the state and stuck due to Covid 19, reported the said transaction on XX/XX/2020 and Chase bank denied my claim insisting the charge was authorized and non fraudulent. 

How can charge be authorized when I haven't been home for months, I expect my card company to protect me when such a thing happens instead of standing behind a fraudulent charge. Horrible, Horrible service!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21 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: UPGRADE, INC.
State: IL

Complaint narrative:
I have spoken to the vendor regarding credit cards balance they have confirmed they have been reporting correct balance since XXXX  to credit reporting agencies. I have sent letters to all 3 credit reporting agencies since XX/XX/2020 but balance still has not been updated

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
BofA VISA # XXXX ( Stolen VISA CC Account Ending in XXXX ) My credit card was lost/stolen back when I was visiting XXXX, XXXX, XXXX. It had been used at a Jewelry store XXXX XXXX  XXXX  for the amount of {$9300.00}. A police report # XXXX - XXXX has been filed with XXXX XXXX XXXX # XXXX showing that the purchase was not made by me or anyone I know. Bank of America is refusing to reimburse for this fraudulent charge stating : " While you personally didn't make the charge ( s ), we confirmed it was made by an authorized user on the account or someone who has permission to use the card. '' Please see the link below : XXXX XXXX XXXXXXXX # e-1 According to section ( f ) : " If, after conducting a reasonable investigation, a creditor determines that no billing error occurred or that a different billing error occurred from that asserted, the creditor shall : ( 2 ) Furnish copies of documentary evidence of the consumer 's indebtedness, if the consumer so requests ; '' Bank of America is refusing to provide me with documentary evidence on how they have been able to determine this transaction was not fraudulent. 

I, hereby, request Bank of America to either provide me with documentary evidence used to reach this decision in their investigation, or reimburse me for the fraudulent charge in the amount of {$9300.00}. 

According to law, I must not be held liable for any fraudulent charge reported promptly. I have provided BofA previously with a copy of the police report, as well as any additional documents I could get my hands on to show this charge was not made by me and is NOT authorized. Please assist. 

-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 explanation
Consumer complaint received 2020-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX  is incorrectly reporting a paid collection account on my credit report for XXXX or XXXX XXXX  XXXX, a utility company. I have asked them to investigate this and they have failed to investigate this numerous times, and recently reported the same account twice on my credit report causing even more credit damage. This is unbelievable and I am beyond frustrated at there complete disregard of maintain accurate records. This XXXX   account is highly disputed and under litigation - I am currently suing XXXX XXXX   XXXX for this, and now XXXX  has decided to report the same account TWICE??? 
I am adding a copy of my credit report to show XXXX  reporting this same account twice. I demand a full removal of both of these tradelines.

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 2020-08-21 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: NY

Complaint narrative:
They say its a valid debt but cant show me where I was ever the person that established this account. Ive told them numerous times this was not my account and they report it as a judgement on my credit yet I never received any documentation to report to court. This is not my debt and have disputed numerous times and they report to the credit union that they have verified debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-21 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: DISCOVER BANK
State: CA

Complaint narrative:
On XX/XX/XXXX my fianc and I purchased a vacation package at the XXXX in XXXX. Total sales price was {$1800.00}, we made an initial down payment of {$290.00} and were to make 11 payments of {$140.00}. We scheduled our vacation package for XXXX XXXX of XXXX, a 6 night stay at the XXXX XXXX XXXX. When COVID hit we were waiting to hear updates about our vacation package because we knew that XXXX  and much of the world was on lockdown. We never received any messages from XXXX and after being told that the VIP vacation packages department was not accepting any phone calls we sent several emails to them asking for updates and a refund if applicable. We did not and still have not received any response from XXXX, that is when I decided to contact my credit card company to protect me as a consumer. I filed a claim with Discover on XX/XX/XXXX and provided them full details of my situation with XXXX. An investigation was completed and on XX/XX/XXXX and I was informed that my dispute was being denied and all charges would be posted back onto my account. I have attempted to reach out to XXXX and they are still not accepting phone calls, in addition the customer service representatives are not interested in helping me at all. I am filing this complaint against Discover because as their customer, and as a consumer, I have rights and protection which I am being denied. I am being deceived and defrauded by XXXX and my credit card company is not protecting me. I understand COVID19 has had a huge impact on thousands of businesses but the practice of not accepting phone calls and not responding to emails by XXXX is a deceptive practice. I am paying for a product and service for which I have no idea if I will be receiving. XXXX does not respond to my communication attempts and Discover is not helping me navigate through this challenging time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: MA

Complaint narrative:
Amidst this worldwide crisis that we are facing with all that is going on, this pandemic has been carrying away the livelihood and jobs are affected by it, still it is very important to me to have a good and positive remarks on my report. I have contacted the creditor but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Peter Roberts & Associates, Inc.
State: MA

Complaint narrative:
Amidst this worldwide crisis that we are facing with all that is going on, this pandemic has been carrying away the livelihood and jobs are affected by it, still it is very important to me to have a good and positive remarks on my report. I have contacted the creditor but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
They say its a valid debt but cant show me where I was ever the person that established this account. Ive told them numerous times this was not my account and they report it as a judgement on my credit yet I never received any documentation to report to court. This is not my debt and have disputed numerous times and they report to the credit union that they have verified debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Intermex Wire Transfer, LLC
State: CA

Complaint narrative:
On XX/XX/ 2020, I tried to send money using Intermex Wire Transfer dba XXXX XXXX online. I entered all the necessary information and I received an email stating the transaction was processed successfully and sent me a confirmation. It also requested for me to call XXXX to complete the transfer. When I called the XXXX, to complete the wire transfer, they said that my transaction was cancelled because unbeknownst to me, I am not allowed to send money to a corporation i.e. the XXXX  company that manages my condo in the XXXX. Since the money has been deducted from my bank account, I asked them when they will return the funds back. The answer was it will take 24 hours for it to reflect in my checking account. Unfortunately, it was not the case. I called and to follow up on XX/XX/2020 XXXX XXXX and they said I have to wait up to 5 business days. If I knew that the transaction was not going to be allowed, the system should have advised me of that. Also, if the transaction was cancelled what is the need to hold on to the funds which I desperately need to pay for my XXXX  dues.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21 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: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I have disputed Transworld system Inc off of my credit but XXXX keeping it on my credit. These are false accounts i have nothing to do with. XXXX is violating my credit rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: FREEDOM FINANCIAL NETWORK
State: WI

Complaint narrative:
Initial complaint filed against Freedom Debt Relief on XX/XX/XXXX case # XXXX regarding an incident from XXXX to XXXX where they collected over {$34000.00} from my husband and I, but failed to pay any of our debts. It is all spelled out in the attached documents. I am submitting a second complaint as they failed to respond to the first complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
Initially, a theft with a duplicate number disputed my entire balance and I had to fix this error. They lied to American Express by pretending that they were me over the phone. Might I add that I had Amex since completing college. These hackers are evading all of my credit cards. They are trying to ruin my life because of jealousy. They are hacking several cards and making fraudulent charges. I like using American Express. I, never, only had {$7.00} to utilize. 


Anyway, this particular month I paid {$40.00}. I was only given {$7.00} to use. The ceo allowed someone to steal almost {$40.00} in credit. If you calculate my balance last statement and the amount that I paid, I should have had at least {$20.00} to spend. I contacted XXXX and the payment that posted from Amex was rejected. I had to pay with a different XXXX card. 


These criminals are dangerous. They are hacking my banking accounts and credit cards with a duplicate number and these CEOs are protecting them. I lost about {$20.00} in credit. This is occurring with many of my credit cards. I need to have these people blocked from accessing my accounts and credit cards. How do I prevent hackers from making purchases on my account. I have a XXXX  and other health problems I dont need the stress. 










Sent from XXXX  Mail on XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIRST CITIZENS BANCSHARES, INC.
State: FL

Complaint narrative:
Hello, I opened a checking and savings account with First Citizens Bank back on XX/XX/2020. The account I opened was part of a promotion that I open the checking and savings account, make ten debit card transactions within 90 days, enroll in estatements and open a new savings account.

I made ten debit card transactions on XX/XX/XXXX. 
I opened a savings account on XX/XX/XXXX. 
The terms stated that my account would receive the {$300.00} checking account bonus no later than 120 days from qualifications being met. 120 days from XX/XX/XXXX is approximately XX/XX/XXXX. 
I have still received no bonus. 
Throughout the promotion I sent messages to the bank asking if my account was properly enrolled in the promotion of which they confirmed it was. After XX/XX/XXXX I have asked where my bonus is and all they tell me to do is call the local branch, which I have done and they will not honor their promotion. 
Please assist me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Lima One Capital, LLC
State: PA

Complaint narrative:
I sold my house and repaid the mortgage ( mortgage holder Lima One Capital , LLC ).  During the closing process the lender was over paid by the closing company. The closing was XX/XX/2020 and the lender acknowledges receiving the funds wired by the closing company on XX/XX/2020. The lender also acknowledges the money that I'm owed but can not /will confirm when they will refund monies owed to me. I was told " We have many other loans and customers and can't say when they'll be able to send me my refund. '' The originally said that a check would be sent 30 days after close. Then they said they already mailed the check. Today they ( Mr. XXXX XXXX XXXX said " We have many other loans and customers and can't say when they'll be able to send me my refund. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
On XX/XX/2020 I needed a temporary release for my credit reports, this was for a refinance of my home. Experian has this " policy '' concerning the release/temporary release of a credit freeze I placed on my file a little while back. Unless I " subscribed '' the the new Experian credit monitoring service ( XXXX a month ) there was no way to get a temporary lift on my credit freeze. Unless I paid them the " fee '' the only way to get a release on my file : 1 ) download and print release form. 2 ) fill in dates of release and sign form. 3 ) include copy of picture ID with form ( nothing gets returned ) 4 ) send all items to Experian via SNAIL MAIL. After they receive everything then they will put a temporary lift on my file. I was talking with the mortgage company when I was SURPRISED by this. I needed lifts on my credit within 24 hours not 7-10 days. I will not pay to have access to my credit history. If a reporting company will not allow instant access for free to all consumers then they should not be allowed to control this information.

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 2020-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. They failed to comply with FCRA 611 ( a ) ( 7 ) within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. They failed to comply with FCRA 611 ( a ) ( 7 ) within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Harpeth Financial Services, LLC
State: TN

Complaint narrative:
Company filed a garnishment on XX/XX/2020 After my complaint was closed by Harpeth Financial & XXXX XXXX XXXX closed the case on XX/XX/2020 with the Consumer Financial Protection Bureau. I made an over payment for XXXX On XX/XX/2020 for court fees.I am owed a refund of XXXX. I am not sure why this company has decided to come back when debt was paid off on XX/XX/2020. I verified with a representative from Advance Financial ( Harpeth Financial on XX/XX/2020 court cost was only XXXX in their system.. The extra XXXX paid to the courts covered the XXXX which left a refund balance of XXXX. XXXX XXXX XXXX ( Harpeth Financial are violating The Fair Debt Collection Act.. in short A debt collector cant legally say I owe more.. I have a complaint number in the system about collecting excessive fees with this company. It has been 7 months since this account was closed on XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Sterling Infosystems Inc.
State: GA

Complaint narrative:
I applied for a job and they conducted a background on my behalf however I dont have anything on my background and when I called I was informed that Sterling Info System was in court for giving false reports.

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 2020-08-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
Please find below supplemental information in regards to CFPB complaint XXXX filed on XX/XX/2020. 


As you can see from the attached invoice proof, the merchant Wayfair does not list the financing plan selected by the customer. 
1. ) See attached invoice dated XX/XX/2020, order number XXXX, amount {$380.00}, from the attached invoice you will see that no financing plan is showing on the receipt. However, after immediately raising a subsequent complaint with Wayfair upon the posting of the charge, the purchase was supposed to be on the six months interest free plan. Wayfair authorized Comenity Bank to make the change. 

2. ) See attached invoice dated XX/XX/2020, order number XXXX, amount {$1300.00}, from the attached invoice you will see that no financing plan is showing on the receipt. However, after immediately raising a subsequent complaint with Wayfair upon the posting of the charge, the purchase was supposed to be on the 24 months interest free plan. However, Wayfair processed the purchase as a 24 months low APR plan. Since, the time the charge has posted, the customer has maintained that he selected the 24 months interest free option, which was the selection box at checkout.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21 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: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
XXXX is report a miss payment from Ally bank my Auto loan. I have documents for Ally bank stating I was never late on XX/XX/2020 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21 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: NC

Complaint narrative:
Experian is report a miss payment from XXXX XXXX my Auto loan. I have documents for XXXX XXXX stating I was never late on XX/XX/2020 2020

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