vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I noticed 2 identical charges on my XXXX statement for XX/XX/2021 for {$180.00} from a vendor called " XXXX XXXX XXXX '' transaction ID XXXX invoice ID XXXX details " Restart game ( XXXX XXXX ) and XX/XX/2021. 

" XXXX XXXX XXXX '' transaction ID XXXX invoice ID XXXX details " Restart game ( XXXXXXXX XXXX ) Out XXXX account links to our credit card for Slate Chase Bank. We disputed the charges with Chase right after they occurred and they initially credited both to us. After months of investigation by their fraud department, they decided that the charges were " valid '' and charged them back to our account. We then pursued the claim with the Ohio Office of Consumer Affairs under which XXXX complaints can be investigate. After some time, XXXX agreed to credit back the charge of XXXX from XXXX but said they could not credit the one from XX/XX/2021 because it was already " charged back '' by the credit card company. This was back in XX/XX/2021. We have tried to pursue the earlier charge of XXXX with Chase 's fraud department again and even got a local branch to assist. They called us several times and left messages. When I called back, many times, I was never able to reach them as they never answered their extension. We have tried to get them many times but they have sent an on-line letter to my account saying they have abandoned the attempt since they could not get ahold of me. They left another number and extension which I have repeated called and have not gotten any more response.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am filing this complaint against Experian, XXXX and XXXX credit bureaus. I should not have to " opt out '' from these companies using/selling/sharing my information with anyone. Why does the government allow these " opt out '' items in agreements/policies of these companies. It should be an opt-in if you want your information disclosed. These companies do not inform the public that you have to " opt-out '' for these companies to stop disclosing their information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-28 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: NM

Complaint narrative:
Reference Case # XXXX On XX/XX/2021, I called Comenity Capital Bank ( XXXXXXXX XXXX  ) to pay my card off. I had received late fees in the past and wanted to get this card taken care of. I spoke with the Customer Service Representative ( CSR ) and informed him that I will pay the balance in full as long as there was no late fees or penalties assessed. At the end of the conversation and prior to me providing payment, the XXXX asserted that I will not have to pay the fee associated with paying over the phone, any late fees, penalties, or interest. 

In the beginning of XXXX of 2021, I received a statement from XXXX XXXX  Comenity Capital Bank stating that I had a balance due on XX/XX/2021. I was assessed {$35.00} for the late fee that I was told I would not have if I paid my balance in full. I was also given a finance fee of {$9.00} for a total of {$44.00}. 

I sent a message on XX/XX/2021 stating that I filed a complaint with the CFPB and that the CSR I spoke with asserted that I would not have any other fees. I received a message that same day XXXX XX/XX/2021 XXXX from Comenity Capital Bank on their web site stating that my request has been forwarded to the correct department and they thanked me for my patience. 

I received another statement with a closing date of XX/XX/2021 and a due date of XX/XX/2021 for the amount of {$81.00}. This is due to another {$37.00} in fees. I last spoke with Comenity on XX/XX/2021 and the CSR could not find the recorded conversation I had with the CSR who took my initial payment. Comenity Capital Bank is engaging in unfair business practices by taken advantage of consumers. They are using bait and switch tactics. Lastly, Comenity Capital Bank is willfully and knowingly providing false information so that they may charge fees that are excessive.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: CT

Complaint narrative:
Paypal has closed my account and access to the funds in my account. They will not offer any help in getting the issue resolved. This has to be a mistake, I am not knowingly going against any of their TOS. I just learned I could report the issue here. There is no resolution from them in sight, this is my money. I have paid Paypal Hundreds and hundreds of dollars in Goods and Services fees. I am a very active user of their playform. My paypal name is XXXX This is affecting my livelihood with no access to the funds.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-28 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/XXXX I was alerted that {$3000.00} was taken off of my EDD card without my consent I've been trying to contact EDD for answers from then to present still no answer from them unable to get through to them on their line I've been dealing with Bank of America about the situation in which they put two claims in one for {$2000.00} and another one for {$1000.00} the {$2000.00} was paid off to me through Bank of America completing one claim and which they say they sent out to me the second claim for {$1000.00} but I've never received it in between I was also issued out another EDD prepaid debit card through Bank of America and {$2000.00} again was just stolen from it the account and which I have to do another claim to get my money back I'm not understanding how the money is still being taken off my account with new card and a new PIN code all I can do is call Bank of America and have them tell me to sit back and wait for the investigation the end which could take up to 90 days I'm really in need of help this is the second time I've been victimized and almost 7 weeks I filed for police reports for the first incident when it happened in XXXX and still haven't heard anything back from the police which were four cities it was filed for I don't know what to do at this point somebody is hacking my information and I don't know where it's coming from but I still obtain my debit cards and they are able to go to Bank of America ATMs and still pull out money of {$1000.00} transactions

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 2021-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
On XX/XX/2021 I found my account locked. After calling I was told my account was being closed for risk. This happens after 5 previous calls that I had made because my transactions were being flagged for unusual activity and each time the agent on the phone would tell me that they have noted my account unblocked my cards and that I would have no problem using my cards. I told them I was trying to purchase cryptocurrency and they would tell me it should be ok now. But then immediately after trying to repeat the purchase my card would lock again. It wasn't until my 5th call that the agent told me bank of America won't allow cryptocurrency purchases. That is also when they locked my account and said they are closing them for risk. But had I been told on my first call about not allowing XXXX I would have not continued to try, but the agents all told me I was OK to redo the purchase. But now my business account and my personal accounts are all locked and being closed. These are my only accounts and all my money is in these accounts and to do this during covid is wrong. Also I have a ppp loan funds in these accounts. {$10000.00} of these ppp funds distributed to my personal account for 1 month of back pay owner compensation and 1 month owner compensation for month of XXXX. The other {$7500.00} is in my business account and ppp funds have strict time periods on when the funds must be used and I am using a 10 week covered period with this ppp. And bank of America closing my accounts with these funds in the account greatly affects my ability to abide to the spending for 10 weeks period for ppp forgiveness.

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 2021-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Park Hill Holdings
State: TX

Complaint narrative:
This is a complaint regarding the Consumer Reporting company CORELogic. 

In XXXX of 2021, I sent in a request to CORELogic requesting a copy of my consumer report. With this request, I submitted a copy of my Drivers License and social security card to verify my identity, although the form does not request it. Approximately two weeks later XXXX XX/XX/2021 XXXX, I received a letter from this company saying they could not fulfill my request, as they could not verify my address, and that I needed to send in a copy of my utility bill, or bank statements with my address. I then called the number listed on the letter to speak with an agent, who I informed that I did not have a utility bill at that address, nor did I receive bank statements at that address. The agent then informed me that without these documents, my request would not be fulfilled. I attempted to make other phone calls to speak with a supervisor, but those attempts were also fruitless. 
On XX/XX/2021, I sent a second request by certified mail, which is attached to this complaint. In this request, I detailed how CORELogic was violating the FCRA, as their refusal to accept my documentation was effectively preventing me from receiving a copy of my consumer report, and I had good reason to believe that the information reported by their agency was fraudulent, or inaccurate. Moreover, the form printed from their website also uses wording that suggests that submission of certain identifying information, such as my bank statements, were voluntary, not required. I also requested they fulfill my request by U.S mail, NOT EMAIL for security reasons. On this day, I also sent a copy of a request to place a security freeze to protect myself as I waited for them to respond to my request. I also had both copies of the aforementioned documents notarized, and sent a copy of my Insurance Declaration page from my auto insurance. To date, I have yet to receive a response to this 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 explanation
Consumer complaint received 2021-06-28 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: NY

Complaint narrative:
To Whom It May Concern, This letter is a formal complaint that you are reporting " INACCURATE '', " INCOMPLETE '' and " UNFAIR '' credit information. 

According to the Fair Credit Reporting Act, 15 USC 1681. ( a ) ( 4 ), consumer reporting agencies are required by federal law to exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 

I am distressed that the Credit Bureaus have included inaccurate, unfair, and incomplete information in my credit profile and that they have failed to maintain reasonable procedures in their operations to assure accuracy in the credit reports they publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely " ACCURATE '' and " FAIR ''. The following information therefore needs to be blocked and removed! 


1. Please block and remove this INACCURATE and UNFAIR data on my credit report. Chapter XXXX Bankruptcy Case Number : XXXX XXXX. Please block and remove this INACCURATE and UNFAIR data on my credit report. XXXX Account Number : XXXX 3. Please block and remove this INACCURATE and UNFAIR data on my credit report. XXXX XXXX XXXX Account Number : XXXX 4. Please block and remove this INACCURATE and UNFAIR data on my credit report. XXXX Account Number : XXXX 5. Please block and remove this INACCURATE and UNFAIR data on my credit report. XXXX XXXX XXXX Account Number : XXXX 6. Please block and remove this INACCURATE and UNFAIR data on my credit report. XXXX Account Number : XXXX Please see the following exhibits in my one single attachment. 

Exhibit A : XX/XX/2021 See below evidence that the US Bankruptcy Court of XXXX District of New York does not report to any of the agencies. 

Exhibit B : XX/XX/2021 I have opted out of XXXX XXXX, which houses bankruptcy data. 

Exhibit C : XX/XX/2021 I received a letter from XXXX XXXX that this information was removed from my file. 

As you can see from the above exhibits, this evidence supports that the proper procedures and fairness have not been maintained.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
XXXX has removed the data from MY CONSUMER REPORT as it is inaccurate ... ... See attached File ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... .. 
This is a breach of the Fair Credit Report Act if the Credit Bureaus do not update my file to show a fair and accurate report legal complications may arise. 
As stated before ******* ( a bankruptcy never happened ) ********** This must be removed immediately as it is an erroneous record ... ... PLEASE REF CASE NUMBER XXXX ON SUBMITTED FILE

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 2021-06-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc.
State: TX

Complaint narrative:
My complaint is against Diversified Adjustment Service , Inc at XXXX XXXX XXXX, XXXX, MN XXXX I believe the account XXXX XXXX  was created fraudulently to extort money from me. I don't have or have never had an account with XXXX XXXX. I have had this appear on my credit report XXXX XXXX XXXX in the past and had it removed due to fraud. 

I tried to pay Diversified Adjustment Services, INC to make this go away. I received a letter that if I paid {$110.00} of the {$160.00} debt that they would close the account as paid. After I submitted an electronic payment from an account in good standing and with the funds available, I received a letter that the check was returned, I was charged an extra {$25.00} and that I needed to send them a physical check within 5 days of the letter dated XX/XX/21. 

Please stop this extortion. I am positive this is a fraud and {$110.00} will wind up being taken from my account as part of this fraudulent act!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 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: FL

Complaint narrative:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN FRAUDULENT ACCOUNTS I AM VICTIM OF FRAUDI am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRAs. On XX/XX/2021, I mailed Equifax, XXXX and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
We were working with Bank of America Loan Officer XXXX XXXX. XXXX asked us not to use the Bank of America system to load our documents and insisted that we send our documentation directly to him. He also told us to ignore everything the system asked us for and he would provide us with the instruction that was needed. We did as we were instructed by XXXX. 
The day or two prior to closing, XXXX called us and notified us that our loan application was cancelled because he did not provide the documentation that we sent him timely. He also informed us that it would be another month before we could close on our loan because the loan needed to be restarted. We involved XXXX XXXX XXXX XXXX ' manager ) who assured us the ball would not be dropped again. The loan was restarted. 
XXXX then provided a closing date of Monday, XX/XX/XXXX. The Friday prior to that date at XXXX we still hadn't received the closing documents. We attempted to reach XXXX and XXXX with no luck, but we did get in touch with XXXX XXXX. 
XXXX lied and told us that Bank Of America had not received the title and would not receive the title for 2 months pushing our closing out that long. After joining a conference call with our attorney, he was forced to admit to the lie. He had the title and told us that he and the bank operations team would work through the weekend to get the closing documents to us in time to close on XX/XX/XXXX. Today is XX/XX/XXXX. 
We again went hunting down the documents that the bank was supposed to provide in the am. About noon on XX/XX/XXXX, we were informed by XXXX and XXXX XXXX that we were cleared to close but the operations team loaded the closing disclosures late so we would have to close on XX/XX/XXXX. It is close to closing time and we have no documents still and no explanation from the bank. 
This experience has been harrowing and has cost us thousands of dollars. Bank of America has not been responsive. Their customer service has hung up on us after having us hold for XXXX minutes and escalation of issues is extremely difficult.

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 2021-06-28 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I TRIED TO DISPUTE THE 2 COLLECTION ACCOUNTS THAT DON'T BELONG TO ME AND GOT NO ANSWER

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: HI

Complaint narrative:
I lost my debit card and informed USAA. After that someone was depositing and cashing fraudulent checks with my account. USAA held me accountable for the debt without telling me why. I have been trying for months to get a straight answer and all I get is to be out on hold for hours and then no answer or resolution. I have requested a copy of the investigation and still none has been provided. They have since reported me to early warning system. Due to the lack of assistance my family paid the debt and its been over two weeks and they still have not lifted the hold with early warning system. This hold is making it so I cant open a checking account for direct deposits. In 1 week I called USAA 3 times and got put on hold and no resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 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: OH

Complaint narrative:
I have sent several letters to Equifax in regards to inaccurate information being reported on my credit report. Equifax has failed to supply accurate information. A bill is not sufficient information and is completely inaccurate. 15 USC 1692J- Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not participating. I demand these in accurate accounts to be delete from my report immediately. 
OHIO DEPT OF HUMAN S XXXX XX/XX/2016 {$6000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I TRIED TO DISPUTE THE 2 COLLECTION ACCOUNTS THAT DON'T NOT BELONG TO ME AND GOT NO RESPONSE

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