vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
I submitted my application for a credit card on XX/XX/XXXX and heard nothing from Bank of America. I called on XX/XX/XXXX and they advised that my application was held for review because they needed to confirm my identity to prevent fraud. I confirmed my identity and then sent me to credit. They advised that they would approve and issue a credit card, but then I never received anything. I called again on XX/XX/XXXX but they had not approved. In addition, they advised that they couldn't now decision because my credit was pulled over 30 days ago. I unfroze my credit and called back on XX/XX/XXXX to advise that my credit was unfrozen. I spoke with an analyst and they advised they pulled my credit and once again sent me to confirm my identity to prevent fraud. A few weeks past and again I heard nothing. I called back on XX/XX/XXXX and confirmed my identity yet again and was sent to the credit department AGAIN... only to learn that I was not approved. They requested that they do a hard inquiry AGAIN on my credit to review the application. At this point, after calling in 4x and given the run-around, I no longer trust their customer service AT ALL. I was appalled that this is how they would treat a long time customer at the only bank I have ever banked with. I am a Preferred Customer with a superior credit score and they couldn't approve my application in over 2 months. I am now debating on leaving BofA for XXXX. I will suggest to all of my colleagues in the financial services industry that I work in to utilize any credit card BUT the BofA credit card due to their horrendous customer service.

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 2022-06-17 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: EQUIFAX, INC.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX Texas 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have sent all three credit bureau 's letters to removed unauthorized inquires off my credit report, that I have no knowledge of. They have refused to remove any of the inquires that I have asked to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have sent all three credit bureau 's letters to removed unauthorized inquires off my credit report, that I have no knowledge of. They have refused to remove any of the inquires that I have asked to be removed.

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 2022-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the fair credit report act the following companies listed *XXXXXXXX XXXX XXXX XXXX  and XXXX XXXX  has violated my rights the accounts are fraudulent. 
XXXX15 USC 1601 Section 602 states, I have the right to privacy.

*15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

*15 USC 1666 : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
On XX/XX/XXXX, I made a payment of {$3500.00} to pay off the balance on my XXXX credit card. On XX/XX/XXXX, I made another payment of {$52.00} because my account showed that as a remaining balance. In XXXX, I received a phone call from Comenity saying I owed {$49.00} in late payment fees. I was astonished thinking I had paid off this account ; after talking to several reps with the company they said that I had paid the large amount in XXXX after the due date, resulting in the late fees since XXXX. They also destroyed my credit by reporting to the Credit Bureaus late payments from XXXX till XXXX. ( As I'm writing this, I believe the {$52.00} payment on XX/XX/XXXX was the late fee I paid, which means none of these late fees should have been made against my account ). In XXXX, I disputed these charges, and the fee they charged to my bank account was returned to them unpaid. After receiving a response from their Credit Department that they had a right to charge me these late fees, I set up on XX/XX/XXXX a payment of {$49.00} to just end this whole nightmare. 
Today I received an email from Comenity saying that I owed late fees ; I immediately called up Comenity who stated they never received my payment from XX/XX/XXXX. Of course I had the withdrawal showing on my bank account as well as the confirmation number from Comenity when I set up the payment. 
Finally I talked to a third rep, XXXX, who said he was the Senior rep. As I tried to go over the transactions from my Comenity account with him, he said he did not have the same view as I did making it impossible to go over each payment. He then began shouting at me, at which time I told him to lower his voice. He said that after I paid the {$49.00} amount on XX/XX/XXXX, I was charged a late fee of {$25.00}. I said I just wanted to pay this amount and that I would be making a formal complaint against Comenity. I asked XXXX for reassurance that no other charges would be accrued against me ; he replied that Comenity has a {$2.00} fee on any account with an open balance, so he could not promise me no other charges would pop up. At this point I told XXXX well how can anyone pay off their Comenity account if you just keep adding fees. He advised he would make it so these {$2.00} fees would not be applied in the future against me. 
The unfairness of all this made me, a XXXX XXXX Veteran and retired XX/XX/XXXX, cry. I believe I was wrongfully assessed a late fee from XXXX, which I paid, which then led to the destruction of my credit and continuing fees wrongfully accrued. Thank you so much in advance for any help you can give and hopefully other people will not have to go through this horrible process with Comenity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-17 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: TX

Complaint narrative:
I went to places that were supposed to provide a service and instead it resulted in multiple hard inquiries. 

XXXX XXXX US SM BUS ADMIN ODA 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 2022-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have sent all three credit bureau 's letters to removed unauthorized inquires off my credit report, that I have no knowledge of. They have refused to remove any of the inquires that I have asked to be removed.

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 2022-06-17 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Payfare International Inc.
State: MI

Complaint narrative:
Someone use my debit card for a purchase of XXXX with XXXX and the company is not complying with the card company XXXX XXXX payfair this has been going on since XX/XX/2022 and all I get is lies told to me and not a refund.. Now I'm currently XXXX and lost my job and car. Can someone please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting ActXXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC 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 an account without my written instructions

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 2022-06-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
in accordance with the fair credit reporting act i believe XXXX XXXX XXXX account XXXX has violated my rights, 15 USC 1681 section 602a states i have the right to privacy 15 USC 1681 section 604a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-06-17 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: EQUIFAX, INC.
State: CA

Complaint narrative:
in accordance with the fair credit reporting act i believe XXXX XXXX XXXX account XXXX has violated my rights, 15 USC 1681 section 602a states i have the right to privacy 15 USC 1681 section 604a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I went to places that were supposed to provide a service and instead it resulted in multiple hard inquiries. 

XXXX XXXX US SM BUS ADMIN ODA 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 2022-06-17 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I went to places that were supposed to provide a service and instead it resulted in multiple hard inquiries. 

XXXX XXXX US SM BUS ADMIN ODA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Albert Corporation
State: TX

Complaint narrative:
Albert ( AKA XXXX Bank FDIC ) Has continued to perform suspicious activity and fraudulent transactions on an account that was opened and not authorized by me. I never sent Albert any identification documents. This started when Albert sent me a text telling me they were closing an account due to " Unusual activity '' I never opened an account with Albert, and that text was later sent back to Albert to ask about what account. Albert told me they closed it again due to unusual activity without explanation. Furthermore Albert allowed unauthorized transactions to occur on said account from a merchant named XXXX. I emailed XXXX to ask why the transactions occurred and who authorized these, XXXX sent a response explaining that they deemed the transactions fraudulent and would send a refund to the account and apologized for any inconvenience stating they never verified the account. Albert, Then stated they blocked the merchant 's refunds for the FRAUDULENT Transactions because of the account unusual activity. Albert advised me they do not have to allow any merchants to refund any account 's even if the transactions are fraudulent. Albert then responded previously advising they would conduct an investigation of the transactions. Albert then reversed the provisional credit of {$970.00} and told me that no error occurred they had deemed no error occurred and that the transactions were authorized, Again going against what the merchant had stated. Albert told me I could work back with the merchant, And I advised and sent the email confirming the merchant TRIED issuing refund 's and that the transactions are fraudulent and due to identity theft. Albert then tells me in a text they blocked the refunds because they can, and because the unusual activity. This in itself seems fishy to me, As a Financial instituion they are purposely mismanaging accounts. I then advised it must be someone within Albert that performed the transactions then, and how I had already sent Albert Documentation proving the merchant attempted refunds several times for the Fraud. Albert responded and said they don't care and they take security seriously and don't have to allow the refunds to go through. They proceed to tell me I owe them the {$970.00}. Not only that Albert also allowed an advance from this account to a fraudulent account, and then Deducted it from this account and told me I owed it to them even though I never received any funds from this advance. I advised of that and they told me again they don't have to assist me. I am not paying them any Money. I do not owe them any funds. This account is fraudulent The transactions are most definitely fraudulent. XXXX CONFIRMED the transactions were fraudulent I forwarded that documentation several times to Albert and Albert still refuses to assist.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Bank of america is opening bank accounts in my name and multiple others. If its was fraud there would we some others info added but they opened account in my name with all my correct data. This is same thing XXXX XXXX did when they opened accounts to show increase liquidity. This also happened to my boss and couple others.

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 2022-06-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Paramount Recovery Systems, L.P.
State: FL

Complaint narrative:
I never go to this hospital I think someone else use my information to go through please I need investigators to know who do that

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
in accordance with the fair credit reporting act i believe XXXX XXXX XXXX account XXXX has violated my rights, 15 USC 1681 section 602a states i have the right to privacy 15 USC 1681 section 604a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666b : a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.

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 2022-06-17 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: EQUIFAX, INC.
State: CA

Complaint narrative:
in accordance with the fair credit reporting act i believe XXXX XXXX XXXX account XXXX has violated my rights, 15 USC 1681 section 602a states i have the right to privacy 15 USC 1681 section 604a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666b : a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: WA

Complaint narrative:
To whom it may concern, I need your help. XXXX  is XX/XX/2022. I made 3 transactions for scammers via XXXX, and the total amount I lost was {$2900.00}. When I know they are scammers. I went to US bank in XXXX to support me. I told the banker to cancel my transactions. she said she could not do that. I asked her to create me a new account because I worry the scammers will hack my account and steal my money again. Today I called customer service of US bank. Once more time I asked for help me cancel my transactions. She said she can not cancel those transactions. She said it is my fault. I was not in control of my account. I also told her " my transaction is under Federal Regulation E. '' The US Bank must help me. I need US bank to protect me from scammers. I feel the rights are not spent for victims. When I know my transaction to transfer for scammers. I told them please help me cancel it. They did not do that. If those transactions can not continue, the scammers can not do anything, and I can not lose my money. It is my money. Why I can not decide on my transactions? I feel unfair when I hard work to earn my money. This is my property that I earn it a long time. I also asked the banker : " how do US bank protect customers like me? '' What is the responsibility of the bank? They just said, " I am so sorry, this is my policy. '' I Do not know what is weird ] the policies just protect scammers. Nobody would like to become a victim of scammers. If I know they are a scam, I have never taken this call. I never and never send money from them. Since {$3000.00} is a big bill for me, I called many phone numbers to help me including XXXX, bank customer service, and a police officer. No one can help me. I do anything to get my money back. I feel hopeless in this life. The rights are not for a victim like me. I need to help. I need to protect and a fair. I hope someone could help me. This is the reason I am sending this letter.

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 2022-06-17 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Grant & Weber
State: TX

Complaint narrative:
i keep getting scam calls and i dont know this company on my XXXX account ( GRANT & WEBER XXXX i never did any business with this company and this account keep changing the balance and its harming my credit score i would like to have full validation on this account and my signature i believe this 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 2022-06-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Transunion continues to report a bankruptcy on my credit report from a third party even after I have provided proof from the actual court stating that they do not report to any credit reporting companies. 

Sent a letter to the court on XX/XX/2022 to confirm if they report to credit reporting companies. 

Sent a letter to transunion on XX/XX/2022 On XX/XX/2022 the court responds saying they do not report to any credit companies On XX/XX/2022 I send the proof back to transunion from the Court stating they do not report. 

On XX/XX/2022 even after receiving the proof from court they validated this as accurate again. 

They also have updated my name to an incorrect spelling.

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