vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-09 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
This complaint is a follow up to Complaint Number XXXX that I previously filed against American Express Serve. Immediately after filing the first complaint with the CFPB I received an email by Amex Serve that my dispute was declined. The email states : Based upon our investigation we have determined that no error occurred and that transaction ( s ) in question was autfhorized. Therefore the transaction ( s ) is not eligible for credit to your Account.

No explanation was provided. I believe the decision to decline my dispute was to retaliate against me for filing a complaint with the CFPB, and was not made based on any evidence.

I took all the necessary step associated with disputing fraudulent charges : I immediately reported my Serve card as stolen and informed Customer Service the XXXX XXXX transaction for {$79.00} was unauthorized and was made by the suspects who stole my card. 
I filed a police report with XXXXPD. 
I filed a dispute with Serve, and submitted the declaration of fraud in a timely manner. 
I informed Serve that XXXX had video surveillance footage of the suspects making the unauthorized purchase that their investigators could request. 
Yet my dispute was declined without an explanation and no credit was issued for the unauthorized charge to my account, which strongly suggests that Serves decision was retaliatory in its nature.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1100.00}, {$6300.00}, {$4900.00}, {$7800.00}, {$0.00}, {$1400.00}, {$0.00}, {$2800.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1100.00} -This is not my account. 


-- CLOSED ACCOUNTS 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6300.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4900.00} -This is not my account. 

4. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7800.00} -This is not my account. 

5. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

6. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1400.00} -This is not my account. 


-- PERSONAL ACCOUNT 7. XXXX XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2800.00} -This is not my account.

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 2020-06-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1100.00}, {$6300.00}, {$4900.00}, {$7800.00}, {$0.00}, {$1400.00}, {$0.00}, {$2800.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN  ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1100.00} -This is not my account. 


-- CLOSED ACCOUNTS 2. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$6300.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$4900.00} -This is not my account. 

4. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7800.00} -This is not my account. 

5. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

6. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1400.00} -This is not my account. 


-- PERSONAL ACCOUNT 7. XXXX  XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2800.00} -This is not my account.

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 2020-06-09 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1100.00}, {$6300.00}, {$4900.00}, {$7800.00}, {$0.00}, {$1400.00}, {$0.00}, {$2800.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1100.00} -This is not my account. 


-- CLOSED ACCOUNTS 2. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$6300.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$4900.00} -This is not my account. 

4. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7800.00} -This is not my account. 

5. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

6. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1400.00} -This is not my account. 


-- PERSONAL ACCOUNT 7. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2800.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : BK OF AMER XX/XX/XXXX & XX/XX/2018 XX/XX/2018

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 2020-06-09 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: CITIBANK, N.A.
State: NV

Complaint narrative:
I have been a Citi XXXX client since XXXX. I hired XXXX XXXX XXXX to install the flooring in my house. After paying the full amount of credit card payment of {$2400.00}, at the same day I received an email with an increase of almost double prices. I was so upset to cancel the work and called the credit card company right away to stop the payment going through but the staff told me that it had to wait for the payment going through to be disputed. During the disputed process, payment credit back to my account shortly but one month later on XX/XX/XXXX REVERSED..I also filed a complaint on Nevada State  Contractors Board .The .investigation officer helped me to call the Citi credit card company told them thats the fraud money with people taking someone money without work run away. The Citi credit card company never returned back the money even I had been calling many many times and left the voicemail nothing returned to call .. That reason the case had been keeping delay by now still never resolved

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 2020-06-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am a customer of chase bank and have been for years. On XX/XX/XXXX I noticed transfers of XXXX, XXXX, XXXX, XXXX and XXXX dollars being withdrawn from my account, there was also a deposit of XXXX. I then immediately go to chase bank to dispute the transfers and restrict my account. As the information about the transaction started to unraveled I found out that someone in XXXX, Texas stole my identity and added themselves as a signee to my account. I was able to get the ID number on the ID card And the XXXX XXXX card the person used for another form of identification verification. I was told I would need to be in the bank in order to add someone to my account as a signee. While this is impossible at the moment because Im in California. This nefarious person was able to use my identity in Texas to add themselves to my account and steal XXXX dollars from me. I thought it was an easy fix with the bank but I filed a claim two separate times and to no avail they denied my claims. I am extremely saddened, distressed and traumatized over this fraudulent action and negligence by chase. They are not honoring there part of the agreement which is to provide a service of protection for my finances. Chase allowed someone to steal XXXX from me and they wont fund my money back to me. I really need help in the situation because I have never encountered such negligent and nefarious behavior.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Date- I have wrote XXXX  , Transunion and XXXX  regarding inaccuracies on my credit report XX/XX/XXXX XXXX  has removed the account. 

However Transunion and XXXX  continue to report inaccurate data on purpose to hurt my credit. 

I am a veteran and I shouldnt be treated like this ; I have facts and there are being ignored like Im just another number. 

Amounts- {$1000.00} Actions I took : Issue : Credit Bureau Reporting inaccurate Date of last active on XXXX account- TransUnion has XX/XX/XXXX and XXXX  has XX/XX/XXXX. It is obvious XXXX  has re-aged this account and this is a violation. 


In addition, I believe they are required to put on my credit report _A notice of Dispute in comment section ; within 30 days and they have not. This is another violation. 

Also, Transunion has no history reporting in the Legend of the account how Is that possible? 

Resolution is - delete this account for inaccuracies Please see the attached current credit report for XX/XX/XXXX, and XXXX XXXX XXXX  remove acct. 
Please see the attached Letter I sent XX/XX/XXXX. 
Please see attached Drivers License, and my passport as proof of identity. 

Please assist me with getting this issue addressed. 

Thanks 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 2020-06-09 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: HYUNDAI CAPITAL AMERICA
State: TX

Complaint narrative:
I just noticed my credit score plummeted from XXXX to XXXX in one month. Now I see I have 6 inquiries from a dealership XXXX XXXX to buy a vehicle. They promised the only had to run my credit twice. Now I see 6.

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 2020-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Date- I have wrote XXXX  , XXXX  and Experian regarding inaccuracies on my credit report XX/XX/XXXX XXXX  has removed the account. 

However XXXX  and Experian continue to report inaccurate data on purpose to hurt my credit. 

I am a veteran and I shouldnt be treated like this ; I have facts and there are being ignored like Im just another number. 

Amounts- {$1000.00} Actions I took : Issue : Credit Bureau Reporting inaccurate Date of last active on XXXX account- XXXX  has XX/XX/XXXX and Experian has XX/XX/XXXX. It is obvious Experian has re-aged this account and this is a violation. 


In addition, I believe they are required to put on my credit report _A notice of Dispute in comment section ; within 30 days and they have not. This is another violation. 

Also, XXXX  has no history reporting in the Legend of the account how Is that possible? 

Resolution is - delete this account for inaccuracies Please see the attached current credit report for XX/XX/XXXX, and XXXX XXXX XXXX  remove acct. 
Please see the attached Letter I sent XX/XX/XXXX. 
Please see attached Drivers License, and my passport as proof of identity. 

Please assist me with getting this issue addressed. 

Thanks 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 2020-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX, I purchased something with my Citi checking account in the amount of {$28.00}. Later on, I closed the account. On XX/XX/XXXX, I have not received my order and attempted to check with the merchant. I found out that the merchant has abandoned their contact. With no contact available, I highly suspect that this is potential fraud. On XX/XX/XXXX early morning, I called Citibank to dispute this transaction. Its rep informed me that because the account is closed, thus they are not able to submit any disputes.

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 2020-06-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
While reviewing my Best Buy statement I noticed a charge for " Fees '' in the amount of {$15.00}. I called Best Buy and was informed that the fee was for " fraud/credit protection ''. I stated to their representative that I never ordered this coverage and did they have any documentation of me ordering such coverage. The rep. said no. I asked how long have you been charging this fee. I was told, " Since 2009 ''. 

I couldn't believe it. I asked for the protection to be cancelled and refunded. Their representative cancelled the service and stated that he would forward a request to the appropriate department. 

I received a letter today from Best Buy Credit Services informing me that " Because your account was protected by the program benefits through the end of the billing cycle in the month in which you cancelled, any previously billed fees are valid and non-refundable. '' I will be sending Best Buy Credit Services a response stating that the fees are refundable because I never ordered Enhanced Debt Protection. 

I appreciate any assistance in recouping my over 11 years of unauthorized charges. 

Thank you ....

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 2020-06-09 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: AES/PHEAA
State: MN

Complaint narrative:
This is my third complaint regarding this issue. Fed Loan Servicing is flat out REFUSING to apply qualified payments towards PSLF program. I received word from the CFPB that the issue had been resolved and Fed Loan Servicing sent me a letter showing " applied payments '' ( see attached ). They made it look like they took action when they did NOTHING. The PSLF payments that need to be applied are from XX/XX/XXXX - XX/XX/XXXX from my employment with University of XXXX  XXXX XXXX. I work for a XXXX ( XXXX  ) ( XXXX  ) XXXX XXXX. I believe this is being done flagrantly and intentionally. The letter that they sent me is the EXACT same letter for my XXXX certification with a new date slapped on it. They did absolutely nothing aside from push the complaint away and flagrantly lie to the CFPB on resolving the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 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: PNC Bank N.A.
State: FL

Complaint narrative:
I am unable to link XXXX  to my PNC bank account. Once is blocking it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: AL

Complaint narrative:
On XX/XX/2020, I talked to XXXX  XXXX ( fast talking XXXX that muffled her name ). We came to a agreement that I would pay {$190.00} ( my original balance for XXXX ). Well on XX/XX/XXXX I paid the {$190.00}. I guess on the same I was sent a letter stating that the agreement was cancelled because I didn't send in the {$190.00}. But it seems that I was only giving a few days to do so. Now I wasn't giving a " date '' or timeline. Infact in most cases, The agreed settlement is permanent ( unless passed over to another collection agency ) so to get a letter sent on the same day I paid the amount ( XX/XX/XXXX ) I cant trust it at this point.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My Chase accounts had fraudulent activity transacted through them. These issues concerned Chase Pay, XXXX, and XXXX along with other non-recognized charges. Chase froze the account without informing me. I had to call into multiple CSR 's to find out what was happening. I changed debit and credit card numbers per Chase 's recommendation. I identified the fraudulent activity and reported it to Chase. Chase banks response was to state that they would no longer do business with me, restricted my account without informing me, and refused to allow me to withdraw or transfer funds. I spent a week going back and forth with their branches and customer service people who fed me inaccurate information : One day they said they would instruct the branch banker to override the restriction so I could withdraw my funds. Then said that they had not done that and that they wouldn't. This back and forth went on all week. To make this more egregious they would arbitrarily accept or not accept my identification. Their response to this was to state " Well, you just keep trying different Chase branches. '' This has been total and complete exercise in discrimination. 

Chase also failed to address the fraud on my Credit card which was part of the same situation. I provided Chase with the items and offered to send them the communications from XXXX and XXXX which corroborated the fraud. Chase never contacted me about these items and simply recharged the replacement card for the items. 

I have never experienced a bank that is so disrespectful to its clients, incompetent and simply discriminatory in it's practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
Disputed Ally financial. No proof was sent to me for verification. Account not verified with my signature or a contract. Outdated and needs to be removed from all 3 credit agencies.

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 2020-06-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PNC Bank N.A.
State: AL

Complaint narrative:
On XX/XX/2020, I talked to XXXX  ' ( fast talking XXXX that muffled her name ). We came to a agreement that I would pay {$190.00} ( my original balance for PNC ). Well on XX/XX/XXXX I paid the {$190.00}. I guess on the same I was sent a letter stating that the agreement was cancelled because I didn't send in the {$190.00}. But it seems that I was only giving a few days to do so. Now I wasn't giving a " date '' or timeline. Infact in most cases, The agreed settlement is permanent ( unless passed over to another collection agency ) so to get a letter sent on the same day I paid the amount ( XX/XX/XXXX ) I cant trust it at this point.

Company response to consumer: Closed with explanation