vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I am writing to formally dispute unauthorized charges and subsequent fees imposed by Barclays Bank on my credit card account. Despite having paid off my account balance in full, amounting to {$17000.00}, on XX/XX/2023, and receiving confirmation from the company that my account was XXXX XXXX XXXX XXXX '' there have been irregularities in subsequent statements that I believe are unjust and require immediate attention. 

Specifically, after settling my account, Barclays Bank levied a minimal charge of {$0.00} and {$0.00} as a " minimum charge fee. '' This fee was not only inappropriate, given that my account was already cleared, but also seems to have been added illegally. Subsequently, the company imposed late fees on this minor charge for XXXX consecutive billing cycles ( XXXX and XXXX ), which appeared on my XX/XX/2023 statement. These additional charges, including late fees and interest, were not related to XXXX XXXX  purchases but were instead linked to the original, unauthorized charge of {$0.00} and {$0.00}. 

Moreover, in XXXX, an additional fee of {$40.00} was added to my account. This fee appears to stem from the initial wrongful charge of {$0.00} and the subsequent late fees, creating a snowball effect of unwarranted charges on an account that was already confirmed as paid in full. 

I contend that these charges are not only unfounded but also represent a concerning practice of imposing fees on a XXXX XXXX. I request a thorough investigation into these charges and immediate corrective action, including the reversal of all unauthorized fees and adjustments to my account to reflect its actual XXXX  status. 

Thank you for your attention to this matter. I await your prompt response and resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
Hello I received XXXX  XXXX  regarding a transaction that I did not authorize or approve or even know about. I had an account with XXXX in the past and my account was XXXX  and a police report was given to PayPal and their XXXX  XXXX debt collector. I have not received XXXX  information regarding the outcome of that reported scam. Recently I received this unauthorized receipt of a purchase for a XXXX. I do not own any XXXX  or XXXX  and never intend to purchase XXXX let alone on the internet. I have attempted to contact PayPal but my attempt to recover my email to communicate with them was not successful The say that they have my email but when I attempt to reset my password it says " oops there was a problem and try again later ''. I do not know how this company gained access to my account as I believe that my account is blocked from usage but I am reporting this issue as identity theft and fraud. Please look into this and advise what can be done. In the meantime I will attempt to call PayPal whilst I await for this investigation regarding a breach on my PayPal " XXXX account ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
In XXXX of 2022 XXXX XXXX XXXX. closed and charged off a XXXX credit card account ending in XXXX in my Name. XXXX XXXX XXXX XXXX they now own the account and the account agreement, but they do not own my information in said account. XXXX XXXX XXXX. proceeded to sell my information to XXXX XXXX XXXX  without my written permission ; constituting identity theft as well as well as violating the Gramm-Leach-Bliley Act as XXXX  XXXX N.A. is a financial institution who is to remain compliant with the FTCs XXXX XXXX. XXXX XXXX XXXX now has all my Nonpublic information. And per contract law, XXXX  has no enforceable contract with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
My payment of XXXX for XXXX 2023, was received on XXXX XXXX, 2023. On XX/XX/XXXX, I had received a new bill for XXXX with a paymen due date of XXXX XXXX, 2023, Since I had made a payment on and received on XXXX XXXX, 2023, how is it possible that i received another bill with a due date of XXXX. It would appear that american express has figured out a way to get double  payments for the same month.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23 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: IN

Complaint narrative:
I applied for an auto loan and did not give permission or consent To XXXX  OF THESE PLACES!!! 

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 response to consumer: Closed with explanation
Consumer complaint received 2023-12-23 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: IN

Complaint narrative:
I applied for an auto loan and did not give permission or consent To XXXX  OF THESE PLACES!!! 

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 explanation
Consumer complaint received 2023-12-23 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX 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 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason

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 2023-12-23 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX 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 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
After reviewing my credit report, I noticed I have a late payment being reported by XXXX. I notice the late payment was reported in XX/XX/2022. Please note I have excellent payment history with is copy and has never been late. From my history of never being late, this is an oversight on behalf of the client. Please note this report is a violation of my consumer rights. Please understand as a consumer my rights were violated by the reporting of this late payment. I would like this late payment to be removed and cleared from my credit profile. 

15 U.S. Code 1666b - Timing of payments ( a ) Time to Make Payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Subject : Complaint Regarding Payment Handling by Wells Fargo Bank Dear CFPB, I am writing to file a continued complaint against Wells Fargo Bank for their handling of payment irregularities. 

I made a repayment on XX/XX/2023, and after the funds were successfully received, I encountered a second payment, causing an overdraft in my XXXX checking account. Consequently, I contacted XXXX to dispute the duplicate transfer made on XX/XX/2023. 

However, Wells Fargo 's actions are concerning ; they have erroneously classified my XX/XX/2023 payment as an adjustment, technically delaying my repayment by XXXX days and insisting on interest payment. 

I urge the authorities to monitor such rogue practices by Wells Fargo. 

Sincerely, 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 2023-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: DISCOVER BANK
State: TX

Complaint narrative:
The account XXXX was sold but still reports a balance. I know that reading my credit report DISCOVER says that the account is a charge off, which is debt that has been discharged and you took a tax write on. After contacting the IRS, they explained that it was illegal that you were reporting this information to my credit report trying to collect or having a charged off status. This is called tax fraud upon the IRS and you will be reported for such. I demand you to remove this item from my credit report and send the XXXX so I can audit it to make sure you are in compliance. You violated the FCRA 15 USC 1681eb by reporting information that's not 100 % accurate. The IRS directed me to file form XXXX for illegal tax violations upon your company. I'm quite sure your CEO OR VP would not want to be in court for this matter. Any US Code in the FCRA that any corporation violates the consumer is entitled to actual damages and monetary compensation. See attached credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Chime Financial Inc
State: VA

Complaint narrative:
On XXXX the XXXX at a XXXX on XXXX XXXX XXXX XXXX Virginia XXXX XXXX. I attempted to withdraw dollars. The ATM display " decline '' I hit cancellation button and reinsert my card and changed the amount to {$140.00}. I machine dispense the {$140.00}. The next day I discovered I was charged for the {$160.00} as well. I contacted Chime and was told I had to wait for it to finish pending. I called back on XX/XX/23 and filed a dispute. I was told today the dispute was closed and no error occured. 
I never received that money and that machine has to be scamming people out of money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Purchased a {$500.00} American Express gift card for someone but after XXXX purchase they were unable to make any additional purchases online due to transactions constantly being declined. Contacted Amex and they said it was a security measure and it was the vendor 's fault. The vendor says that it's a problem with Amex. I ended up giving the person cash and now I'm stuck with a {$500.00} card that I can't use online. Balance is there if you check their website but the card is constantly declined regardless of the vendor. 

American Express advertises these cards as usable anywhere that accepts American Express but that is clearly not true.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-23 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: TX

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, Account name : XXXX XXXX Account name : XXXX XXXX Account name : XXXX 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 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 2023-12-23 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: TX

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, Account name : # XXXX, Account name : # XXXX, Account name : # 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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 2023-12-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: NC

Complaint narrative:
On XXXX I reported the reliant energy account # XXXX as NOT XXXX Reported to XXXX Tx police report # XXXX Reported to XXXXXXXX XXXX NC XXXX report XXXX XXXX The person who opened this account is using my SS # not theirs and has a similar name. 

I have never lived in the state of XXXX. No family member lives in XXXX No person is authorized to use my info to open any account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
I keep getting calls daily about debts from various companies one main financial and from XXXX XXXX and from XXXXXXXX XXXX and its daily and i just want the calls to stop and so i put a freeze on my credit already and i also went to a credit XXXX to help me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
My account was closed by Citibank. I had funds in the account, I was told I would receive my funds within XXXX  days. Received nothing, called several times and was told it was on the way and to allow some time. It have been well over XXXX days and I have received nothing

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-23 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: CA

Complaint narrative:
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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. 

15 U.S. Code 6801 - Protection of nonpublic personal information. It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. 

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information these companies did not get my approval or consent, nor did I receive notification of them sending a letter to disclose my information and these are all violations, remove them now! 

XXXX XXXX XXXX XXXXidentity theft-where is my wet signature that I gave permission XXXX XXXX-identity theft-where is my wet signature that I gave permission XXXX XXXX XXXX XXXX XXXXidentity theft where is my wet signature that I gave permission

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 2023-12-23 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: FL

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, Account name : # XXXX, Account name : # XXXX, Account name : # 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 ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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 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 2023-12-23 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 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, Account name : # XXXX, Account name : # XXXX, Account name : # 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 non-monetary relief
Consumer complaint received 2023-12-23 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: Mr. Cooper Group Inc.
State: VA

Complaint narrative:
Nationstar mortgage doing business as Mr. Cooper failed to notify me in a timely manner of the compromise. Far more than thirty days passed before I received details of the intrusion- was I effected ; what was lost in the intrusion. 

Further about 60 days passed before I was made aware of free credit monitoring, etc. 

Phone calls to them resulted in a run-around and no concrete information

Company response to consumer: Closed with explanation