vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-05 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: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
RE : Disputed Account - Notice to Furnisher XXXX Dear Sir or Madam : I previously notified you that I am a victim of identity theft, and requested that you do the following : I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 
I have enclosed a copy of my FTC/Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. 
I also have enclosed a copy of the FTC's/Notice to Furnishers, which explains your responsibilities when reporting information to CRAs. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible. 
Please send me a letter explaining your findings and actions. 
I am a victim of identity theft, and I am writing to dispute the following fraudulent charges on my account : Sincerely, XXXX XXXX Enclosures : XX/XX/ Close the unauthorized account Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files.

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 2023-11-05 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: Incomm Holdings Inc.
State: TX

Complaint narrative:
A transaction accured on my card i didnt make or authorize and so they said they were outting my caerd on hold why couldnt they just transfor money to a different card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
1. On XX/XX/2023 between XXXX XXXX - XXXX XXXX Pacific time I deposited {$1900.00} in my credit card account by the Bank of America ATM at the XXXX XXXX branch , state of California, zip code XXXX, ATM ID - XXXX. 

2. The ATM has aten {$1800.00} and returned {$100.00}.

3. The ATM did not give any receipts or options for receipts.

4. I have called the number shown on the ATM to report a problem which is XXXX. 

5. I had to wait by the ATM for around an hour just wait for a response from the call.

6. Case ID reference XXXX has been created by the phone by a worker named XXXX. I have been told it because it is Friday it will take up to 3 business days to reflect in my account, however, it did not reflect in my account. 

7. I went to the same brunch and the worker from there had to call and been told still would take time to be resolved and that they could see there was an open case. 

8. On XX/XX/2023 I contacted my bank by a phone call from XXXX XXXX - XXXX XXXX and another Case was created by a worker named XXXX case ID XXXX. XXXX has told me that the previous worker did not complete his job and that's why It did not reflect in my credit card account and that the previous worker should not have mentioned to me that it would take around three business days to solve this issue because it will take up to two billing cycles to be investigated and corrected. 

9. On Sunday XX/XX/2023 I have received a letter in the mail from Bank of America that indicates they have completed their research on the ATM payment that I have asked about and according to the letter " Thank you for the information you have provided. Unfortunately, we didn't find a cash payment for {$1800.00} on XX/XX/2023 at the ATM you indicated. '' 10. On Sunday XX/XX/2023 at XXXX XXXX I contacted bank of America again waited for an hour just to be answered, then the employee XXXX had to put me on hold to reach the management, then she told me that she has submitted all the informations that I have provided to her and the back office who take care of the ATM payments are not working in the weekends and for that reason she is not able to give me a Case ID number. she has stated that if I want to get the Case ID number then I will have to call back the next day which is Monday, XX/XX/2023. Also, she mentioned that this time it will be rushed and it will take up to 3 business days to get a respond.

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 2023-11-05 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I opened an Amazon Store credit card with Synchrony in XX/XX/XXXX. I started to use the card, and made a payment towards my balance in order to free up my available credit to make additional purchases. My available credit did not reflect the payment I made, and so I made additional payments towards the card. After this still did not allow me to get any additional available credit, I contacted Synchrony customer service, who told me that the payments were on hold for 30 days as a precaution to verify that the payments were not fraudulent. Soon after, my account was closed and my rewards points were forfeited. After inquiring, they claimed my account was closed due to suspicious activity mainly these payments I made. I attempted to appeal this decision and sent in bank statements showing that the payments made toward the credit card were from accounts owned by me. These were under review for more than 30 days, and then I received a notice that they would still not be able to open my account. I then requested on XX/XX/XXXX, that the negative balance on my account of {$15000.00}, be returned to me as a refund check. After numerous follow ups, they keep claiming to be reviewing the account and issuing a check within XXXX days. As of today, XX/XX/XXXX, the negative balance is still showing on my account I have not received a refund check.

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 2023-11-05 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc.

Complaint narrative:
On XX/XX/XXXX, I sent XXXX dlls to XXXX, the delivery promise was XXXXXXXX XXXX and then it changed to XXXX XXXX  on XX/XX/2023 and I still haven't received the deposit, I contacted remitly and they indicate their partner is validating information. I asked remitly last week to increase the amounts I can send and uploaded to their app, my ssn, id, place of work, position, evidence of my account statement. I sent the money to pay my concubine 's credit card debt with XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I was in good standing and had money in my account. My account was almost XXXX years old and was mostly in good standing most of the time my account was open. I even had direct deposit set up to it. One morning I logged in and found out my account had restrictions and after research and phone calls I found that it had been closed without my knowledge and to this day I was never explained why or even given my {$200.00} I still had in the account!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Kohls credit card was not approved ref : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I had an account before and my account was closed for some reason. I got my money in the mail a few weeks later no problem. I have a credit card in good standing, and Im trying to reopen a new savings account and checking that way I can use this bank as primary for all my funds/credit but it gives me a error anytime I try to open a new account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05 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: NY

Complaint narrative:
In accordance with the credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states that I have the right to privacy. 15 USC 1681 section 604A section 2 states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may NOT treat a payment on a credit card account under an open an 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 explanation
Consumer complaint received 2023-11-05 00:00:00
Product: Credit 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Long story short, my mother had a capital one account when I was XXXX that had my name on it too. It was overdrafted by {$3000.00}. I was allowed to have a secured credit card and a different one by capital one but they closed them recently. The only thing that has changed was I made a dispute for XXXX XXXX that I have proof XXXXXXXX XXXX XXXX said they werent pursuing the dispute and released the funds to capital one. Shorty after Im giving credit they take it away and do my available credit goes down {$120.00} which hurt my credit. So I did make a payments to try to make both balances go down but some were returned but Ive made at least a XXXX dollars in other payments in the past few months. Just want my accounts back and I feel like they never increased limits like other customaries due to the XXXX from my mother being on my side and my mothers side of our accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: U.S. BANCORP
State: IL

Complaint narrative:
I called and asked them to let my account go into overdraft for the time being because payday for me was soon. Then they let my account go into a delinquent status. I never told them to allow charges to be made this way. As in let it get to a delinquent status, they shouldve just declined my card instead of having me think I got paid and had enough money in my card. When I called to ask they just told me it would all be sent to debt collections. They closed my bank account and now I can no longer open a new one because of this unfair situation.

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 2023-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GOLDMAN SACHS BANK USA
State: MD

Complaint narrative:
XXXX payment is incorrectly reporting late. The loan payment is due the XXXX of each month. The payment was made and processed through my bank account by the monthly due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MT

Complaint narrative:
I wanted to lift a credit freeze I have on my account and the phone number they have is not by current phone number. I called their customer services # and at the direction of their attendant went through their on-line self-help 2 times and was not able to get them my right number. The third time I called I kept asking to speak to a representative which I believe could have resolved this very quickly, their system would not allow me to speak to a representative at all and finally hung up on me. There does not seem to be any recourse to solve any problems with them unless you want to send them letter and mail it through the postal service. I did not see any email address for 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 2023-11-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: NY

Complaint narrative:
Tried making a payment for a Parent Plus Loan, the payment would say it was processing, then I would check back for the next payment month and it keeps saying I missed a payment. The payments keep getting reversed. I have checked with my bank and there should be no reason the payment gets reversed on their end so it is an issue with loan service. This is now my second time getting a payment reversal which is worrying because I do not want to be put into delinquency for an issue caused by the loan service. I never had any trouble making payments before until my loan service was changed to Edfinancial. I have tried getting in contact with Edfinancial but have gotten no response. I have also become aware that this payment reversal problem is occurring with many other people and do not want to wait any longer trying to make payments that do not go through. 

I made a payment in XXXX and it was reversed the exact same day even when it said at first that it was " processing ''. I tried making another payment again in XXXX, and again it was reversed on the same day without me realizing it becuase it said it was processing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
I had XXXX loss of income and increased housing expenses over the last year and a half. I fell behind on my second mortgage or HELOC with sls. When I initially talk to them, they sent me a assistance package application, which I probably filled out there. It was a period of approximately two months for an answer. I then appealed and there was another month delay before I received a notice of default and foreclosure, and no answer yet on the appeal when I call, I am told different things each time and I can rarely get hold of XXXX who was my assigned agent to assist me with my matters. I think of the 15 to 20 times that I called. I may have spoken to her once I requested that Id be allowed to pay the amount that I fell behind over that over period of time or to add it to the end of the mortgage, and they denied and said they could not provide me any assistance whatsoever, I find it to be unfair and deceptive for them to string me along and then provide no assistance

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 2023-11-05 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc.
State: AL

Complaint narrative:
I never open this account the name on the account is not mine. I received this card in the mail, but NEVER used it. This has dropped my credit score almost XXXX points

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 
In Accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 16811 ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
The XXXX credit service is using deceptive practices! XXXXm contacting the XXXX XXXX XXXX regarding the fact that they negate to give you a monthly summery on all your purchases. By doing that it leaves the consumer in the dark about what they purchased and also an account of the dollar amounts. By grouping the non interest account with the regular purchase amounts you cant figure out what your individual balances are. Every other credit card company gives you a monthly purchase account. Your unable to screen if your cards been tampered with if you cant see the activity. They are scamming many elderly people and women. Woman are the largest consumer group using XXXX. They need to be accountable to these practices! Please join to sue the company!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XXXX payment is incorrectly reporting late. The loan payment is due the XXXX of each month. The payment was made and processed through my bank account by the monthly due date.

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 2023-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
XXXX payment is incorrectly reporting late. The loan payment is due the XXXX of each month. The payment was made and processed through my bank account by the monthly due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
XXXX payment is incorrectly reporting late. The loan payment is due the XXXX of each month. The payment was made and processed through my bank account by the monthly due date.

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 2023-11-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: General Motors Financial Company, Inc.
State: IL

Complaint narrative:
I woke up this morning and my car was removed without noting and with a processed payment. One the car was taken from a location not on the pin levaung me and my daughter stranded. I was not notified if a repossession. No notice was given. I received and email in XXXX and since then have made a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05 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: FL

Complaint narrative:
Every time I try to pay this bill it's a return fee that keep returning the money this is an ongoing problem I can't seem to get this balance down they are playing tricks with my bank account wait till the last minute and then pull the money out and then charge me a return fee this is an ongoing process what they doing

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The credit bureaus refuse to increase my credit to the correct level. They are forwarding incorrect credit to my credit card companies as if I have delinquent loans and outstanding balances. My credit is clean. I only have a XXXX XXXX XXXXXXXX credit card that is open and in good standing

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