vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Synovus Bank
State: TX

Complaint narrative:
Have used bill pay to process payments on account for years. I made the mistake of not turning off a bill payment and a payment was sent for {$200.00} after I made a payment on their site for the same amount. Now my account has {$400.00} out on a credit card that my balance is only {$200.00}. I have spoken with several agents and no help was told should be available 24-48hrs. It's 72 hours now and I spoke with a manager XXXX that stated since payment was sent via check it has to hold 10 days. Advised him the manager XXXX stated if it was bill pay it should be available on the XXXX and no later than the XXXX. Of course XXXX isn't available to confirm what she stated. I asked supervisor XXXX to check previous bill payments all sent through my same bank all sent the same way and was available with 24hrs. No one can tell me why this bill payment is being held after over paying on a credit card! It wasn't sent via check it was sent via electronic as it always have been

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I tried disputing a fraudulent account not just opened up by someone else but also reporting incorrect information. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. To get technical, re-aging is an illegal act due to FCRA Section 623 ( 5 ) ( A ). This law states : In general. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX XXXX XXXX, and I am writing this statement on my own behalf. I have been a victim of identity theft. I am writing to compel in accordance with the Fair Credit Reporting Act Section 603 and 605A ( b ) that my report be updated as soon as possible. I have not nor have ever received and/ or authorized the release of any goods or materials under these listed accounts. I wish to dispute these fraudulent accounts under the provisions of the law and am requesting a free copy of my report and all information related to this matter. 

The fraudulent accounts are as follows : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to include the following hard inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/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 2023-04-14 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My name is XXXX XXXX XXXX XXXX, and I am writing this statement on my own behalf. I have been a victim of identity theft. I am writing to compel in accordance with the Fair Credit Reporting Act Section 603 and 605A ( b ) that my report be updated as soon as possible. I have not nor have ever received and/ or authorized the release of any goods or materials under these listed accounts. I wish to dispute these fraudulent accounts under the provisions of the law and am requesting a free copy of my report and all information related to this matter. 

The fraudulent accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to include the following hard inquiries : 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 2023-04-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: VA

Complaint narrative:
I sent {$300.00} via my cash app, XXXX XXXXXXXX, to my daughter 's cash app, XXXX XXXX, for her summer college classes. The transaction was successful on Cash app, however my daughter 's cash app never received the funds. 
I reached out to XXXX XXXX which is the bank debit card that is linked to my Cash app. They confirmed the transaction was successful. The stated the funds were released to Cash app and they provided an Authorization number to provide to Cash app as proof of successful transaction. The authorization number is XXXX. 
I then spoke to 5 separate individuals with Cash app, all of which disconnected with no resolution. I provided to them a screenshot of my bank account activity, which clearly shows the transaction as well as the authorization number provided by my bank. 
All 5 individuals stated the same thing, that the transaction had been " declined ''. 
The transaction could not have been declined by my bank. My bank already sent the funds to cash app AND they provided the authorization number. 
I am not sure how Cash app can say that it's been declined? I continue to get the run around and constant disconnects so I gave up, because I am at work and I can't continue this all day. 
I would appreciate any intervention and any resolution you may encounter. 

Thank You/Awaiting Yours, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 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: FL

Complaint narrative:
Since the beginning of this year 2023, I have been challenging this credit bureau in writing about information I found on my report that is incorrect, and others outdated. 

And every month, they have been mailing me back a letter stating they would not look into the matter because 'they believe someone else is requesting the correction and that they need proof it's me requesting it '. 

So I'll send the requested information, and my identification AGAIN, just to get the same response letter, AGAIN. We've been doing this same song and dance for 4 months now, and they still don't want to do anything that I know I'm protected by law they are obligated to do. 

This leaves me very skeptical as to why they wouldn't want to remove the incorrect information from my record, let alone the outdated one 's. 

I seek assistance from the CFPB to compel this credit bureau to do what they are required by law to do, since they don't want to solve this with 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 explanation
Consumer complaint received 2023-04-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: CT

Complaint narrative:
Ive contact this collection agency several times several times Ive never owned any account. I am a victim of identity theft, which I provided copies of the police report, and he agreed after talking to management that these collections would be removed and deleted from my credit profile immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
I check my credit score a few times a week. Only have XXXX credit cards ( XXXX and XXXX ). And make my payments every month. Then I saw comenity capital bank/bed ; I googled it and it was for bed bath and beyond which is not even in our town. I closed the account through credit karma. However there is still a balance and damage to my credit score. Im going to try and call them and see if I can pay it, and find out how this happened. But i want this to not happen again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need to delete are listed in the report. I am a victim of Identity theft and I did not make the charge. I asked that the items be deleted to correct my credit report. I reported the theft of my Identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade commissions Identity Theft affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SD

Complaint narrative:
I received an offer in the mail from Capital One Quicksilver Rewards during the week of XX/XX/XXXX. The card states I'm pre-selected for a 0 % introductory APR offer. It states on the envelope the APR applies to purchases and balance transfers.

Opening the information received, the offer continues to state the card offers a 0 % introductory APR on purchases and balance transfers. 

Upon further review of the enclosed term sheet, the card actually has a 3 % transaction fee for transfers. This fee will be " 3 % of the amount of each transferred balance that posts to your account through your XX/XX/XXXX billing period or at a promotional APR that we may offer you at any other time. '' Under Regulation Z, 12 CFR 1026.4 ( a ), and the commentary ( comment 4 ), " any transaction charge imposed on a cardholder by a card issuer is a finance charge, regardless of whether the issuer imposes the same, greater, or lesser charge on withdrawals of funds from an asset account such as a checking or savings account. '' Additionally, Capital One 's own website states : " APR vs. Interest Rate : What's The Difference? .... The APR is a broader measure of borrowing costs. It can include the interest rate plus other costs, such as transaction fees and discount points. '' Date, XX/XX/XXXX, source - https : //www.capitalone.com/learn-grow/money-management/apr-vs-interest-rate/ # : ~ : XXXX % XXXX % XXXX % XXXX % XXXX, to % XXXX % XXXX % XXXX % XXXX. 

In summary, advertising this particular offer as " 0 % introductory APR on balance transfers '' is inaccurate and deceptive. The regulatory definition of finance charges clearly includes these transaction fees and would require their inclusion into the APR disclosed. Advertising the promotion as 0 % introductory APR on balance transfers when the offering literature discloses a 3 % transaction fee misleads customers : Customers open the offer expecting a truly 0 % ( no fees ) offer, and then are disclosed a fee. This appears to be a bait and switch tactic. 

Capital One appears aware of the difference between APR ( which includes finance charges, like a transaction fee ) and interest rate, as evidenced by their website quote, yet is not utilizing this knowledge in preparation of its marketing materials.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I regret to inform you that my Navy Federal Credit Card was erroneously closed due to the discovery of TIL and Regulation violations. The account closure was caused by billing errors, which I believe were beyond my control. Furthermore, I have reason to believe that some of my accounts at Navy Federal, which were previously reported as closed, are still open. However, I am confident that the FDIC will cover any negative balances that may arise from these accounts. I appreciate your attention to this matter and look forward to resolving it in a timely and efficient manner.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The following inquiries are fraudulent and were not authorized by me. I believe this is an extreme lack of security in your company. I need is a violation I believe this is an extreme lack of security in your company. And a violation of my rights. 

1 ) XXXX XXXX Inquiry : XXXX XXXX, XXXX 2 ) XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX ) XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX XXXX ) XXXX Inquiry : XXXX XXXX, XXXX XXXX ) XXXX  XXXX Inquiry : XXXX XXXX, XXXX XXXX ) XXXX XXXX XXXXnquiry 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 2023-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I was looking at my credit report and I seen I had some negative item on my account that i feel inaccurate i will like to have a full invesagtion on my report to have old address and job remove from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I was looking at my credit report and I seen I had some negative item on my account that i feel inaccurate i will like to have a full invesagtion on my report to have old address and job remove from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
To whom it may concern, On XX/XX/XXXX I opened a new checking and savings account in person at citizens bank located at XXXX XXXX XXXX, XXXX, PA XXXX. These accounts were opened with a promotional bonus being offered for a total of {$600.00} US dollars in accordance to the fine print limiting the account ( s ) to maintain a {$15000.00} minimum savings and enrolled in {$500.00} direct deposits. I took a photograph of the agreement and have met the requirements. This information has been confirmed at the local branch I had opened the accounts. It also states the bonuses will be paid on XX/XX/XXXX if the account is in good standing and have met the requirements. This I have done. I brought my complaint to the attention of the local branch to the employee who originally opened these accounts with my promotion on XX/XX/XXXX ( approximate date ) It was determined I should have been deposited the {$600.00} bonus from citizens bank. She had corresponded with citizens bank corporate marketing department. It was agreed I would be paid the {$600.00} on XX/XX/XXXX. I had asked because of the error to match my interest rate of my other bank ( XXXX ) 3.75 %. Neither my full bonus or my interest rate request was given on XX/XX/XXXX. On XX/XX/XXXX I was only given {$300.00} and no change in my interest rate matching my other bank ( 3.75 % ). I called again citizens bank my local branch and spoke again with the same employee who opened the accounts. She acknowledged in her conversations internally with citizen bank they agreed to pay me {$600.00} in a deposit to my account on XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-14 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: EQUIFAX, INC.
State: KY

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT. I AM FILING THIS COMPLAINT FOR MYSELF TO REQUEST THAT YOU BLOCK THE FOLLOWING INCORRECT INFORMATION FROM MY CREDIT REPORT. SOMEONE HAS USED MY PERSONAL INFORMATION TO OBTAIN LOANS AND CREDIT CARDS FROM. I HAVE NO IDEA HOW THE THEFT TOOK PLACE. I ALSO HAVE NO KNOWLEDGE OF ANY SUSPECTS. I DID NOT RECEIVE ANY MONEY, GOODS, OR SERVICES AS A RESULT OF IDENTITY THEFT. PLEASE LET ME KNOW IF YOU NEED ANY OTHER INFORMATION FROM ME TO BLOCK THIS INFORMATION FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
My name is XXXX XXXX. I opened a Chase Total Checking Bank Account in the state of XXXX Illinois however I closed my account at a J.P. Morgan Chase Bank located in another state at address : XXXX XXXX XXXX XXXX, XXXX, PA XXXX. This is the Account Number XXXX. My online account username is XXXX. I also have attached the last bank statement issued which includes the date in which the account had been closed XX/XX/2022 in addition to each transaction starting from XX/XX/2022. According to the creditors and the XXXX XXXX XXXXXXXX XXXX XXXX there are five charges and transactions totaling an amount {$3400.00} in which the creditors sought to recover through the XXXX XXXX XXXX I have attached my most the last issued bank account statement as proof that the account closure happened while there weren't any pending transactions, with a positive balance and in excess of the money in which the creditors claim that XXXX had been owed. 
I have received five emails from the following source XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX regarding an Original Creditor named XXXX XXXX in addition to a different creditor named XXXX XXXX XXXX  . 

These charges and transactions brought against XXXX XXXX are through no fault of his own as this account was closed without any pending transactions. There is a misrepresentation of facts and charges which is unconstitutional to the account holder, XXXX XXXX. XXXX online banking withdrawals take 3-5 business days to process. Visit URL : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: CT

Complaint narrative:
Have you spoken to the manager and he agreed after me providing police report and other supporting documents that this account does not belong to me and Ive never signed it wet signature for this account. Im a victim of identity theft and they agreed to remove this from your credit report and collection 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 explanation
Consumer complaint received 2023-04-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: MO

Complaint narrative:
Order # XXXX FedEx # XXXX I placed an order on the XXXX  website XX/XX/XXXX. The expected delivery after shipment was XX/XX/XXXX. I placed the order using Afterpay who paid XXXX  in full then charges me weekly installments. As of XX/XX/XXXX the package was, and remains, in XXXX. XXXX doesnt know where it is. Afterpay is still charging me. I stopped the payments which affect my future purchase power. Afterpay stated XXXX  needs to refund and inform. I called XXXX  XXXX, XXXX, XXXX and XX/XX/XXXX and was told the refund was sent I called XX/XX/XXXX and was told by XXXX  they cant do anything. This is messing up my " purchase power '' with AfterPay and messing with my credit because I am not paying for what I did not receive and altho both afterpay and XXXX know I do not have it, they keep trying to take payments from me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-14 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: NCB Management Services Inc.
State: IN

Complaint narrative:
Back in 2019 XXXX XXXX was sued due to increasing instrests and raising carpayments. My car was so in this lawsuit. By understanding after was taking by them and not doing there part they then sold my account. The lawsuit also stated for a compensation and I never got anything but billed a strange amount that isn't mine and no car! It is hurting my credit and I can't get another car because of it. Please help!

Company response to consumer: Closed with explanation