vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-06 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: U.S. BANCORP
State: MN

Complaint narrative:
- USBank issued premium travel XXXX XXXX card to me on XX/XX/23 - I have been unable to activate advertised " XXXX XXXX Select membership '' perk as of XX/XX/23 - I have unsuccessfully tried to make contact with customer service on XX/XX/23, XX/XX/23, and XX/XX/23. XXXX XXXX XXXX Credit Card Services, and Credit Card Service supervisors XXXX XXXX XXXX have been unable to activate advertised perk. 

- On XX/XX/23, a Credit Card Services supervisor told me the only way for me to escalate the situation would be to physically mail " Card member service office of the president '' and wait for a phone call, which is unacceptable given I have an upcoming trip and need the advertised perk

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 2023-02-06 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
I'm XXXX XXXX XXXX, I currently receive XXXX benefits through my XXXX XXXX Debit Card. On XX/XX/2023, I visited the US Bank at XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX, ( XXXX ) XXXX and withdrew {$900.00} from my XXXX XXXX Card, however as I was opening my purse and I reached to take the money from the ATM, the ATM took my money back because I was too slow with grabbing it. I spoke with the US Bank teller, and she informed me there's nothing they can do to get my money out of the ATM. I also spoke with my XXXX XXXX XXXX XXXX customer service department they said they will add a dispute, but I still do not see my {$900.00} credited back to my Debit Card. I would like to be sure that the US Bank is accountable for not assisting me and would like a return of my {$900.00} back to my XXXX XXXX XXXX XXXX. 

I need the funds to buy my groceries and pay my rent. I would appreciate any help you can provide 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 2023-02-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
A credit card Acount was fraudulently opened in my name

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 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: Synovus Bank
State: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022 FILE NUMBER. XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 than records of convictions of crimes which antedates the report by more than 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 explanation
Consumer complaint received 2023-02-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have a credit card with XXXX Bank. I am usually very punctual with my payments. However, during the pandemic lockdown, we were forced to make some very difficult decisions for our finances, resulting in four late payments. This organization placed four negative marks on my credit because of these late payments. I recently contacted them to ask if they had any pandemic forgiveness programs to have these removed. They claimed that they sent me a notice during the pandemic that would have helped my situation, but there is nothing they can do now. According to them, I am stuck with these negative marks on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Block, Inc.
State: NC

Complaint narrative:
Hello, This is regarding cash app. They give boosts for purchases. I chose the boost to get 5 % at XXXX  for in-app purchase. I made a transaction at XXXX this morning ( XX/XX/2023 ) and I didnt get 5 % back as boost for transaction of XXXX XXXX I informed them and spoke to customer service, they didnt resolve issue and they they said I applied the boost after the purchase. Where I said i selected boost first and I am very sure. They didnt help so I canceled order. 

Now I made order again, made very sure boost was there and again same issue. They told same reason and boost applied later. 

Cash app cheating customers not giving the discount as advertised and making fraud. They have system issue and rather fixing it, telling customer made action incorrectly. 

Please look into this and report accordingly

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I would like to report a fraud that occurred in the month of XXXX, On XX/XX/XXXX, I received a copy of my credit report and became aware of a late payment for my XXXX credit card, I received a call around XX/XX/XXXX, from a representative from XXXX XXXX  XXXX  XXXX that stated, if I made a money order payable to the directed address that the representative provided me, that the payment would be considered good for two months as a promotion for saving people monthly payments on there credit card so I assumed if I paid the credit card payment for the month XXXX of XXXX XXXX and send the money order to the provided address, which my understanding is that I would be in good standing with the payment, well I come to realize a few months later that the person who I spoke too was not a representative of XXXX Credit Card services  and the money order I wrote was directed to an unauthorized place i would like to make a police report inregards to the fraud call made on behalf of XXXX credit card services which took my money for my credit card payment and funneled it to another location this needs to be documented and reported so it dont happen again I received a call around XX/XX/XXXX, from a representative from XXXX Credit Card Services that stated, if I made a money order payable to the directed address that the representative provided me, that the payment would be considered good for XXXX XXXX as a promotion for saving people monthly payments on there credit card so I assumed if I paid the credit card payment for the month XXXX of XXXX XXXX and send the money order to the provided address, which my understanding is that I would be in good standing with the payment, well I come to realize a few months later that the person who I spoke too was not a representative of XXXXXXXX Credit Card services and the money order I wrote was directed to an unauthorized place I am writing to request that the late payment of 30 days or more be removed from my credit report. On XX/XX/XXXX, I received a copy of my credit report and became aware of the late payment. I truly believe that it doesn't reflect my creditworthiness and commitment to repaying my debts. 
It would help me immensely if you take the late payment off my XXXX credit card histoy and make a adjustment to remove the late payment for the month of XXXX and XXXX  due to fraud and no fault of my own, i have never been late on any of my credit cards or any other commitment i have finacially. I also filed a police report to state the crime that was committed for taking my money and representing themselves as your company. 
Thank you for your consideration, and I hope you'll approve my request

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 2023-02-06 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: NC

Complaint narrative:
XXXX XXXX XXXX has altered the date of an account opened from comenity bank on an account I never authorized. I tried to contact the company but was met with extremely rude service and hung up on 4 times. the woman I spoke to XXXX, informed me that this debt was from a XXXX  credit card opened in XXXX  but magically was reported on my credit report as being opened XX/XX/XXXX of XXXX this company is illegally altering dates. I asked for an original contract to be mailed, I asked for a bank account number to match to mine, and I was met with " pay your bill and this won't happen ''. even IF this account was in fact mine. the statute of limitations and the FCRA limitations have long passed. what this company is doing is highly illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.

Complaint narrative:
This is XXXX XXXX account # XXXX. On XXXX and XXXX XX/XX/XXXX ; I deposited XXXX bank drafts online in the total amount of ( XXXX USD ) which was given by my real brother namely XXXX XXXX XXXX XXXX 

Bank Draft # XXXX {$2000.00} Bank Draft # XXXX {$2000.00} Bank Draft # XXXX {$2000.00} Bank Draft # XXXX {$3000.00} On XXXX XX/XX/XXXX I went to the Chase branch located at XXXX XXXX XXXX, XXXX, NY XXXX to withdraw my funds. I came to know that bank put a hold on my account due to suspicious activity which could be a potential fraud. I told the bank XXXX that my brother gave me those bank drafts because he borrowed XXXX USD from me a month ago and I issued XXXX cheques of XXXX each from the same account I deposited back. Cheque # XXXX, XXXX, XXXX The bank XXXX contacted customer service to resolve the issue. Then the compliance told me that my account has been closed due to that potential fraud. The only solution is that my brother should come to any chase bank branch to verify that he has issued those bank drafts. 
Unfortunately, my brother is not a XXXX Citizen yet and he needs XXXX XXXX   to visit the XXXX. He applied for XXXX XXXX  and the interview date was set for XXXX XX/XX/XXXX. But due to some reason, his file is still in process and he couldn't get the visa to date. 
I provided all the required documents through Fax ( from XXXX XXXX  ) to the Chase Bank compliance department to resolve this issue. It is understood and very clear that when the funds were released by the bank that issued the bank drafts and never got any complaint about those funds then that transaction can't be a potential fraud. Chase Bank have the funds for almost a year and is not releasing the funds. My brother is unable to visit USA so there should be another legal way to get his verification or affidavit through an attorney or lawyer in XXXX who can act on behalf of Chase Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There's an address that's on my credit report I never resided at nor received any mail. The address is XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I'm requesting to have this address removed being that I've never been associated with. The information is inaccurate and need to be removed from my files immediately.

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 2023-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I received an email from Bank of America informing me that my account status had been changed and my bill payment function had been deactivated, as per the attached file, on Friday night ( XXXXXXXX XXXX XXXX XXXX  ). I attempted to contact customer service to resolve the issue on Monday morning ( XXXX ), but my call was transferred multiple times without any resolution. Despite spending over 2 hours on the phone, I still have limited information about my account status. One associate said that my account had been " investigated, '' but he did not know the details. This restriction on my account prevents me from making payments for my rent and other bills, which really causes frustration and inconvenience. 

Additional information : I am XXXX XXXX XXXX XXXX at the University at XXXX, and I deposited my scholarship paycheck of XXXX XXXX XXXX including tuition and living expenses ) last Wednesday ( XXXX ). I am unsure if there is a connection between this deposit and the account restriction, and no associate was able to confirm this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-06 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: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
XXXXXXXX XXXX XXXXXXXX sold my account to a third party which is trying to collect on a debt that was writing off as bad debt. This account has been on my credit report shown as bad debt for a period of time. The third party that is trying to collect on this matter have put this on my credit report as that i open this account on XX/XX/2023 which is not true. This illegal maneuver have cause my credit score to drop a XXXX points. This is a fraudulent act and should be rectify ASAP. I have sumitted a copy of the report showing the fraudulent act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 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: NY

Complaint narrative:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is 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 2023-02-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is 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 non-monetary relief
Consumer complaint received 2023-02-06 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: NY

Complaint narrative:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
XX/XX/2018 Auto Loan was sold and XXXX in the amount XXXX I disputed the items to Credit Agency and the company bridgecrest no action was made. I would love dor this to be removed from my report being that it is false.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 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: Volvo Car Financial Services U.S., LLC
State: AL

Complaint narrative:
We leased a new Volvo suv through one of my XXXX in 2018. Every payment was made on time and was auto drafted from our account. The dealership we leased the vehicle through no longer existed when the lease was up. We returned the vehicle to the new dealership in XXXX XXXX as instructed. There were no issues, they said we were good, checked all the boxes, and I signed the paperwork. After I asked about several of the extras we purchased through their lease program that were never delivered to us, and we were told we would have a credit issued to us. Nothing ever happened. 

Unfortunately sometime in the last few months volvo has filed a negative action on my personal credit report for all of {$360.00}. No idea where that came from, especially since they were supposed to owe us money. Now my pristine credit history with exceptional payment history for more than 10+ years looks like I did not make 4 payments on this volvo , and that they charged off the account, even though we paid every payment on time, and returned the car in pristine condition. Furthermore it was leased under my company, not me personally, so why are they putting false info on my credit report? 

I do not see how any company has the power to do this to someone? This is causing me major problems. Any assistance would be greatly appreciated. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There's an address that's on my credit report I never resided at nor received any mail. The address is XXXX XXXX XXXX XXXX XXXX Ga XXXX I'm requesting to have this address removed being that I've never been associated with. The information is inaccurate and need to be removed from my files immediately.

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 2023-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
There's an address that's on my credit report I never resided at nor received any mail. The address is XXXX XXXX XXXX XXXX XXXX Ga XXXX I'm requesting to have this address removed being that I've never been associated with. The information is inaccurate and need to be removed from my files immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
I have moved from XXXX XXXX XXXX XXXX and informed Bridgecrest to transfer my title as I can not get tags without it. 

XX/XX/XXXX Called into Bridgecrest to get process on Title Transfer, spoke to agent id XXXX XX/XX/XXXX Emailed XXXX XXXX XXXX XXXX form to BridgeCrest as requested XX/XX/XXXX Called into BridgeCrest, spoke to agent id XXXX, and informed title still not processed XX/XX/XXXX Called into BridgeCrest, spoke to agent id XXXX, and informed title still not processed XX/XX/XXXX Called into BridgeCrest, spoke to agent id XXXX, and informed title still not processed I have bad tags on my vehicle and can be stopped and towed at any moment. They call for payments but have never called to try to resolve this

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation