vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Pursuant to the provisions set forth in the Fair Credit Reporting Act, I bring to your attention the list of accounts presented below. It has come to my knowledge that these accounts have encroached upon my federally safeguarded consumer rights to privacy and confidentiality, as stated in 15 USC 1681. I have made it explicitly clear to Experian, XXXX, and XXXX that a thorough reinvestigation into these accounts is imperative. Account name : XXXX ACCT # XXXX Account name : XXXX ACCT # XXXX. When your credit report shows a late payment of 60 days for more than two months without a 30-day late payment being reported first, it may indicate a potential error in reporting or an oversight. Credit reporting agencies generally expect a 30-day late payment to be reported before a 60-day late payment.

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 2023-10-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: KY

Complaint narrative:
On XX/XX/2023, I sent someone {$500.00}. Then the person who I sent the money, canceled the transaction and I was supposed to be refunded. I contacted CashApp several times about my refund because it wasnt back in my bank account. They kept saying that it should be available in my bank account. It has been almost one month and I still havent received that money back into my account. CashApp keeps lying to me that they refunded that money but it isnt in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX I sent my check for payment in full to Comenity Bank for the bill due on XX/XX/XXXX. On XX/XX/XXXX I find out they never received my check. On XX/XX/XXXX I got the new bill with the past due amount and my new purchases and they added interest and service charges totaling {$3800.00}. I sent out the check for the full amount but decided to send it certfied mail through the USPS so that I could track it. Each day I would check to see if my balance went to XXXX. It still was the same outstanding amount after a week. I called them and they said that they had received nothing. I have tracking number XXXX. I checked with the USPS and it was delivered and available at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I called Comenity and provided the info. ( a letter was sent XX/XX/XXXX even sent a copy of the certified mail receipt. They have done nothing but charge me more interest. I even spoke to a manager and have written letters and had several on line messages with dispute with no results. On XX/XX/XXXX I went to the bank to stop payment which cost me another {$35.00} and made a new online payment in full which now went up to {$3900.00}. So I paid them an extra {$60.00}. and had to pay {$35.00} to stop payment on the check. If I check their site they still have not updated my account. I want all interest and fees charged back and for them to update my account. I have an excellent payment history with them and should not be charged for their incompetence

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-23 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: U.S. BANCORP
State: NJ

Complaint narrative:
I filed a dispute against Elan Financial Credit Card Services and Fidelity Investments on XXXX XXXX XXXX through your organization, CFPB. Fidelity Investments employed Elan Financial Credit Card Services to manage their credit card and Elan responded and stated that they called me on XX/XX/. Elan never called me to resolve this dispute nor will they look at my documentation. I have attached my XXXX phone records to provide you with proof that they did not call. 

On XX/XX/2023, XXXX ( dispute supervisor at Elan ) stated that she would reopen the case if I could provide documentation that shows that there was a return policy at the time of my purchase on XX/XX/2023. In addition, I told XXXX that I had emails from the merchant, XXXX XXXX XXXX, that state they would take the product back and I stated I would get back to her. XXXX did not want to see the emails from the merchant. 

On XX/XX/2023, I called back and spoke to XXXX ( dispute supervisor at Elan ) and he stated that he will not open the case. I told him that I have emails from the merchant, XXXX XXXX XXXX stating they would return the product and documentation that demonstrates that at the time of checkout there was a return policy. 

Elan is unwilling to reopen the case and look at my documentation. I have recorded their phone calls and so has my third party investigation firm, XXXXXXXX XXXX XXXXXXXX, XXXX XXXX. We both have them on recorded lines wherein Elan states that they will not work with me to resolve this dispute by looking at my documentation. Elan can lie to you and state that they are willing to work with me but they are not willing to so. I would not be spending so much of my time filing complaints if they would look at my documentation. I am providing you with my XXXX XXXX XXXX phone records of XX/XX/2023 to demonstrate that Elan is lying and not calling me. They have no documentation to show that they evidence that they are working with me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Regional Management Corporation
State: MS

Complaint narrative:
Regional Finance continues to attempt to collect an alleged debt after being put on notice via certified mail and the cfpb. This entity is causing emotional damage to my well being. This entity continues to furnish an alleged debt after being put on notice of my right to opt out of the sharing of my non public personal information. Regional Finance is ruining my general reputation. I have requested verification of the alleged debt and none has been provided. I have requested the original creditor name and address and it has not been provided. A copy of a judgement against me has not been provided either. This alleged debt has been in dispute since XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
XXXX is reporting an account that does not belong to me. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) is reporting a debt of {$640.00} to TransUnion and XXXX. I have advised TranUnion and XXXX this is not my account or debt. The opening date that both TransUnion and XXXX is reporting is XXXX. I was a monor at the time I was only XXXX old. I advised them that my identity was compromised. And I sent proof of my age at the time this account was opened. THIS IS NOT MY ACCOUNT. PLEASE HELP. 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 2023-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: NC

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX someone hacked into my chime account unauthorized took over {$60000.00} dollars... For example XX/XX/XXXX there were 51 transaction.. XX/XX/XXXX there were 54.. XX/XX/XXXX there were 49 all to XXXXXXXX XXXX in Florida ... Mind u i leave in NC.. ..Chime keep saying no error occurred. I agree it was fraud and a scam...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Transunion has a lot of inaccurate and negative information on my report. When I tried to go online to obtain and dispute these information, I am getting to call and request a copy in the mail. I called Transunion and they can't give a reasoning I was told I had to wait for my credit report to be mailed to me within 4-5 business days. I think that is ridiculous.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I requested that my credit card be closed on XX/XX/2023. It was not closed at the time of request. The principal balance was paid-off and the dormant account continues to add fees and interest totaling {$280.00} ( as of today XX/XX/2023 ). 

Update ( CFPB does not permit updates on a complaint, can only close a complaint and open a new one ( option presented by CFPB ) : After my initial complaint ( XXXXXXXX XXXX XXXX XXXX, the next day ( XX/XX/2023 ) I received an email notice that my account was close to being charged-off. 

Another interesting note, defendant shows that my account was in collections on XX/XX/2023 ( one day after I requested to close it ) even though over-minimum payments were being made to pay-off the balance. It was paid-off. The reason I closed it was to no longer use it to charge transactions. 

I am XXXX XXXX XXXXXXXX XXXX. 

Further updates will be provided via closing a complaint and opening a new one.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BMO BANK NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I received a statement from BMO Bank of NA saying I had a checking account with XXXX balance. I NEVER opened an account with this company. Not only that but I was told there were 2 accounts opened. The XXXX acct is XXXX. The XXXX acct is XXXX. XXXX was opened XX/XX/23 the other XX/XX/23. They had an email on file of XXXX and a phone XXXX XXXX XXXXXXXX. I was told that the accounts were frozen because someone tried to use it without funds in the account. I asked for a copy of the original application from 2 different people at the bank and was told they couldn't do that. Why not if this is supposedly my account? How did this bank open an account without my authorization? I want it closed out immediately! They told me I have to call back and talk to their fraud department. What kind of bank doesn't have a 24 hour fraud department?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
Amex charges {$690.00} for their Platinum Credit Card which, according to their website, provides cardmembers, " unlimited access to XXXX XXXXXXXX XXXX. '' Of course there is a small print " Terms & Conditions May Apply '' clause that takes you to a page with paragraphs of legal content. Buried in that legal content includes XXXX sentence that states, " Access is subject to space availability. '' Over the last several flights I've taken, there has routinely been no availability at the Amex XXXX XXXX due to overcrowding. Amex clearly does not have the capacity for all of its cardholders despite routinely advertising that they provide unlimited access to their lounges. To me, this represents an unfair/deceptive benefit and, unless Amex Platinum membership decreases which seems unlikely, this problem doesn't seem to be going away. 

Amex should either disclose in a clear way that access to their lounges are in fact 'limited and subject to availability ' or offer to refund customers who get routinely denied access to a major card benefit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22 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: GA

Complaint narrative:
I have sent my FTC Letter to the creditors and they still have not removed these items from my credit reports and by law I do know that you can have a account that is reporting as closed charge off with a balance that is due and none of the following accounts have been removed from my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: HI

Complaint narrative:
Card was used on XXXX to make $ XXXX in fraud purchases. XXXX confirmed the fraud and told me I have to charge back through Amex. Submitted a fraud claim with Amex. Amex refused the fraud claim, they said that XXXX said the goods were shipped to me, but they won't let me see any evidence, they won't tell me what was shipped, they won't share tracking information, and I know that these goods were not shipped to me. In processing the claim, Amex doubled the fraud. They charged me twice for each fraudulent charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22 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: GA

Complaint narrative:
I have sent my FTC Letter to the creditors and they still have not removed these items from my credit reports and by law I do know that you can have a account that is reporting as closed charge off with a balance that is due and none of the following accounts have been removed from my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-22 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: GA

Complaint narrative:
I have sent my FTC Letter to the creditors and they still have not removed these items from my credit reports and by law I do know that you can have a account that is reporting as closed charge off with a balance that is due and none of the following accounts have been removed from my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Global Lending Services LLC
State: NV

Complaint narrative:
Currently having problems with global lending services trying to locate the other drivers girlfriend I guess that who owned the red XXXX that the other driver did not give me the right of way and he did nit stop or see me as I crossed so I could not avoid but to hit him and the air bags did not deploy even though this accident was a low impact crash. The police report is totally in accurate not to mention the XXXX XXXX soul exclaim I had also had 3 recall notices one for the air bags 2 others for the anti theft mechanism and the auto locks via the key fob also although I was going to add on the collision part of my insurance that month of XXXX I only had liability but I had gap insurance via XXXX XXXX XXXX. I still feel the other drivers girlfriends insurance company progressive insurance who XXXX XXXX the total loss consult of my car finance company global lending services is going after. The case no is XXXX. Her telephone no is XXXX XXXX. She has all documents including the 3 recall notices and screwed up police report. The XXXX no to the XXXX XXXX XXXX  is XXXX. Hope you can include me in the class action law suit against XXXX XXXX XXXX and since these screwed up XXXX XXXX XXXX nv police I'm having a hard time suing them as well I need all the justice I can get plus I still owe XXXX XXXX dollars for this un safe car Thank you for assisting me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
On Thursday, XX/XX/ at about XXXX PST I tried to purchase concert tickets and my debit card was declined. I checked my checking and savings account and noticed there was a balance of {$6100.00} in savings and $ XXXX in checking, but the available balance in both was {$0.00}. I immediately called capital one customer service and was informed there was a legal hold put on my account, and given contact information for the agency that had placed the hold. My notes from this initial interactions follow : ssuing West Virginia state tax department compliance division Legal case # XXXX XXXX # XXXX Placed account balance hold of {$500.00} on account XXXX {$6100.00} on XXXX Total {$13000.00} XXXX Legal hold? 
Need to call them! 

On Thursday, XX/XX/2023, at XXXX PST I contacted a XXXX XXXX XXXX at the number listed, and after running my social security number realized that I was not even in the West Virginia taxpayer system, therefore the levy was not intended for me. I called to capital one and escalated to manager XXXX the updates, and she said she would look into it. At this time XXXX XXXX in West Virginia had contacted capital one and sent verification of the levy and the innacuracy of the hood on MY account to the levy and garnishments division at the fax number listed below, at XXXX EST ( XXXX PST ). I spoke with capital one again, again escalating to a manager that stated they are not allowed to give out direct numbers or last names. Notes on that interaction are as follows : Spoke with XXXX, manager ( notes on account ) Levy team fax number XXXX XXXX XXXX Attn : levys and garnishments Physical address ATTN : levys and garnishments XXXX XXXX XXXX XXXX, VA XXXX shortly after this, the status of the funds had gone from {$0.00} available to {$0.00} and a transfer from the amount in checking ( {$480.00} ) to savings, with the sum ( {$6600.00} ) being withdrawn as the line item issue levy check. 

Today, Sunday XX/XX/ I called capital one again to ask for a provisional credit to my account since, through no fault of my own and actually owing no tax debt, I am left literally penniless. This request was refused by manager XXXX, and he explained that since the check had already been issued it would have to be sent to the requesting party, then returned for adjustment. 

When I asked for escalation to his manager, he refused and said that there is no one available by phone above him. I asked for email contact but it was not given. 

At this point I am beyond frustrated and am about to have NSF fees piling up as well as jeopardizing my good standing with my brokerage firm to which I have pending transfers. Please help or advise how to get this issue corrected and resolved as Ive tried everything in my power, and it appears that capital one wont even extend an offer of an olive branch of provisional credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Auto Credit of Southern Ilinois
State: TX

Complaint narrative:
Account opened XX/XX/2020 and a balance of {$6900.00}. I previously disputed this account stating " This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. ". I don't agree with the results of your investigation. Please mail me proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
On XXXX XXXX, I got a call, purportedly from my ISP, ( XXXX ) telling me there was a security issue with my Modem/computer, and that they needed remote access. As I eventually figured out, this was a scam, and they established money transfers to several individuals via my PayPal account. 

I contacted PayPal the next morning, and informed them that these transactions were fraudulent. After reviewing, they responded that the transactions were " consistent with my transaction history. Those transactions were in NO way consi8stent in amounts, and several were to foreign individuals, none of which I have even sent money to previously. 

A couple of the transactions were immediately returned, but several were not. The transactions in question are : Paid with ( XXXX XXXXXXXX XXXX XXXXXXXX ) {$150.00} Exchange rate {$150.00} USD = XXXXXXXX XXXX XXXX USD = {$0.00} XXXX Transaction ID XXXX Contact info Message XXXX XXXX XXXX XXXX Details Sent to XXXX XXXX XXXX XXXX XXXX XXXX Fee XXXXXXXX XXXX Total XXXXXXXX XXXX  Paid with PayPal Credit {$240.00} Transaction ID XXXX Contact info Message XXXX XXXX Details Sent to XXXX XXXX {$230.00} Fee {$11.00} Total {$240.00} Paid with PayPal Credit {$260.00} Transaction ID XXXX Contact info Message XXXX XXXX Details Sent to XXXX XXXX {$250.00} Fee {$12.00} Total {$260.00} I also contacted XXXX, that night and gave them the details of what happened as well as the phone number the call was from, my bank, who told me that it was up to PayPal, as well as the PayPal XXXX XXXX XXXXXXXX XXXX ), which changed my account information.

Company response to consumer: Closed with explanation