vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK
State: FL

Complaint narrative:
In my attempt to assist me in rebuilding my credit, I acquired a Secured Credit card from DISCOVER. 
I gave them XXXX for my credit line and have used it since it opened some months ago. 

I recently made a XXXX Payment and my available credit showed- {$6.00} When I called the company they stated they are sending me an IRS form XXXX to review my income. 

This is a Secured Card using my own funds to charge against in order to build my credit Why they are suspending charging privileges contingent on my transcripts is beyond me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: HUNTINGTON NATIONAL BANK, THE
State: MN

Complaint narrative:
I called Huntington Bank today to close my account but they refused to close it saying I needed to come into a branch. I opened my account online and do all my banking online. It is unreasonable for Huntington to require me to appear in a branch to close out a checking account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: TX

Complaint narrative:
I am disputing the item that was placed on my credit reports. I do not use XXXX nor have I used XXXX in over 15 years. I do not owe them. I have no idea what this is. They need to remove it from my credit. I was not contacted about this debt before collection was placed on my credit.. They simply placed an amount on my credit. This is not my debt. Remove it. Details {$1100.00}. XXXX XXXX Date assigned XX/XX/2022 Agency CBE GROUP Status date XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: CLGF Holdco 1, LLC
State: MD

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has validated my rights 15 USC 1681Section 602 States I have the right to privacy.

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has validated my rights 15 USC 1681Section 602 States I have the right to privacy.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/XXXX, my husband and I were made victim to a real estate closing transaction scam in which we wired roughly {$150000.00} to a title company imposter. We captured the scam within 1.5 hours and reported it to our local Chase bank branch in person. The bank was able to restrict and subsequently close the recipient account due to fraud ( the wire was made to another Chase account ). The bank has evidence of other fraudulent wire activity on the aforementioned account which ultimately led to the account restriction and escalation to closure. We were given a phone number to call to check on the progress of the recall/recovery request as the funds were still in the recipient account upon closure. Thankfully the scammer did not act quickly enough to make a withdraw or transfer. We were told via phone by Chases fraud department that we would be mailed an affidavit to sign and have stamped by a notary. The affidavit was apparently sent via USPS with an expected delivery date of 5-7 business days. As of XX/XX/XXXX, we still had not received the affidavit. That afternoon we called the Chase fraud number again and spoke with a representative who informed us that our claim was closed with no recovery on XX/XX/XXXX. The representative on the phone could not answer why we were not notified of the claim closure or provide any details regarding the decision other than it was not considered fraud. We were then directed to the wire research team who is not currently taking calls and that we can message them via direct chat, secure message, or we can go to the bank and a banker can reach out to them directly. There are no obvious options to reach the wire research team online so we went directly to the bank branch we had been working with. The bank branch was equally perplexed as to why our claim was canceled and indicated we were expected to receive the recovered funds in 24-48 hours from the morning of XX/XX/XXXX. 48 hours lapsed and we still do not have the recovered funds. 

The lack of communication between the bank branch, their back-end teams, and with us is astounding. It is an endless circle of phone calls to support lines that go nowhere. Not a single person involved seems to 100 % understand what is going on with our money- which to my knowledge, is still sitting in a closed, fraudulent Chase account. I am incredibly disappointed and frustrated and will promptly be engaging legal support as we can not seem to find resolution working on our own. While the bank branch has been the most helpful, they are seemingly reliant on all of the same 800 phone numbers that we have been directed to. We filed a police report, with XXXX, with the FBI, and with the FTC. We have done all that has been asked of us and are constantly provided updates that only lead to more confusion, waiting, and disappointment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: AL

Complaint narrative:
This dispute is for an overcharge by XXXX. 

I bought a Green House for {$320.00}. I had {$230.00} in rewards points/credits on my Wayfair account from my XXXX credit card XXXX So during check out, I applied the {$230.00} points to the {$320.00} item which would be {$97.00} total plus tax ( 8 % is {$7.00} ) on the {$97.00} = {$100.00}. This is what I authorized to be charged on my card XXXX XXXX credit card during check out which is what i used to pay the difference. 

However, I find today that Wayfair charged {$350.00} ( {$320.00} plus tax ) to my XXXX XXXX card and did not apply the {$230.00} in rewards/credit as it was when I checked out during the purchase. I have been over charged {$250.00} because they refuse to apply my Wayfair points. 

I have also advised XXXX that I am unable to use any points during check out and there is something wrong with my account. My pleas to resolve this go unanswered. 

I called Wayfair customer service line at XXXX who told me that they could not help me and that my account would be handled by the " XXXX XXXX XXXX ''. I asked that the XXXX XXXX XXXX call me due to my XXXX in accordance with the Americans with XXXX XXXX. Instead someone by the name of XXXX XXXX from Wayfair started to email me and refused to apply the Wayfair points/credits in my account giving no reason why. They asked for documents showing the points and I gave them the same as I am giving you here. XXXX XXXX just closed the case and did nothing to fix the overcharge or apply the Wayfair points. I spent four hours on the phone and in emails with Wayfair and they refused to correct the overcharge. 

I did NOT agree to the {$350.00} charge on my XXXX XXXX credit card, it just showed up on my XXXX account today. The correct amount I was to be charged for this item was {$100.00} NOT {$350.00}. 

Not being able to use my Wayfair credit card rewards is a violation of the terms and agreement of the Wayfair credit card issued by Citibank N.A.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
I have been using XXXX XXXX XXXX for many years for my wireless service and internet in the past at previous home. I was recently trying to add internet service to a new apartment I will be moving into soon. XXXX XXXX XXXX told me I couldnt get that service because there is an unpaid balance of {$400.00} for a XXXX XXXX XXXX XXXX tv bundle that Ive never had. After speaking to multiple representatives, I discovered that someone created an account in their name but under my social security number and they did give me that account number. Because they have an unpaid balance that has now went to collections, Im taking a hit on my credit because they used my social security number without my knowledge or permission. I have spoken to XXXX XXXX XXXX fraud department and they told me its not considered fraud since its my social security number even though I did not give permission for this person to use it nor did I know until I tried to add a service and couldnt. XXXX XXXX XXXX has continually transferred me to numbers that do not work and refuse to help me or remove the {$400.00} from my name and Im concerned with what else this person could do with my social number. XXXX XXXX XXXX has told me they cant do anything since its already in collections and that account has now been closed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Management Corporation
State: SC

Complaint narrative:
Sent Debt Validation letter on XX/XX/2022, XX/XX/2022 Never received A response from Receivable Management Corp. This is the second attempt to get debt validation. Its a total of 7 letters. Amount {$6200.00}, {$2600.00}, {$5700.00}, {$54.00}, {$60.00}, {$36.00}. And made several attempts to call it always says to leave your name and number and they will call you back. Also made several attempts with the Credit Bureaus to also get debt validations and to correct my credit profile because it is incorrect. The credit bureaus stated my account was properly investigated. I didn't receive any verbal or written response. The only thing that was done was updated my credit report was closed the account on my XXXX Credit report as Account information disputed by consumer meets FCRA requirements. But nothing change on my XXXX and XXXX. 
15 USC 1681 section 602 A States I have the right to privacy 15 USC 1681 section 604 A Section states a consumer reporting agency can not furnish a account without my written instruction.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
On XX/XX/2022 I received a credit notification alert stating that a new account has been added to my credit report. I reviewed the alert from the XXXX app and observed that a new AMEX account was added to my report. After further investigating the account, I learned that this account is my wife 's XXXX XXXX AMEX account which I am just an authorized user on the account. I called on this same day and asked AMEX to remove the account from my credit report because I am just and authorized user on the account and the not the primary account holder. AEMX refused to remove and told me the only way to remove the account is if I close my card associated with my wife 's account. I told AMEX that this statement was inaccurate and made a second request, but they still refused to remove the accounts. Since they continued to refuse to remove the account, I then asked to close my card associated with which they agreed to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Direct Cash LLC
State: TX

Complaint narrative:
I want a hard copy of my Loan documents. They are refusing to email or send. I am having problems signing in their system. However I should still be able to get a hard copy sent regardless. That is my issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
I live in a senior community and i qualify for HUD. I received a letter from HUD on XXXX XXXX, 2022 that their company was cyber attacked and ALL my personal info was taken from HUD. I had 4 accts affected by who every stold my money because of HUD. I am trying to get my {$500.00} from 53rd bank for a unauthorised transaction. I have always checked my bank acct everyday to make sure no one has gotten into my accts. When the {$500.00} was pending for 3 days 53rd Bank stated they could not stop the pending {$500.00} transaction. I want my {$500.00} back from 53rd Bank. 53rd requested the letter from HUD which i did send to 53rd bank e-mail. Why do i have to wait so long to get my money back. I am still waiting for a new 53rd bank card. Was told can take 10 days to receive my new card. I can not pay my bills without that card. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX Account Number : XXXX XXXX U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
This was not sent in error. I am a consumer by law and my information was misused and now I have false not 100 % accurate accounts on my credit report. There has been unauthorized used of my information and credit report. 


XXXX XXXX XXXX XXXXXXXX. {$0.00} Acct # : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CLGF Holdco 1, LLC
State: VA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Information belongs to someone else
Company: Colony Brands, Inc.
State: NY

Complaint narrative:
I called the company and was told someone is buying perfumes and sending them to XXXX. I live in XXXX NY and asked them if they could have the person arrest or track them down, but they said that's very hard to do. 

They then told me they would look into the situation and would send me some sort of packet to state it was fraud? It's been 3 weeks and I haven't received anything ... And every time I Dispute it on XXXX XXXX it will pop back up on my credit. 

The strange thing is I gain XXXX credit points when it gets brought back on, but I seem to lose XXXX when I dispute it. Maybe I'm just reading it wrong. 

The balance is {$160.00}, but the weirdest thing about all this is that the person paid off some of the balance the first 3 months. It was opened in XX/XX/2021. 

CONTACT INFO XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX USA I then called XXXX and honestly Im getting tired of running around in circles, they told me I need proof that it was identy theft, and Im not sure how I am suppose to prove that... So they sent me to FTC... 

This was not my account, I want it closed, even if it hurts my credit. I would also like a security check if anymore accounts are opened, if possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: OPORTUN FINANCIAL CORPORATION
State: TN

Complaint narrative:
Hello, My Name is XXXX XXXX XXXX e-mail is : XXXX This Company is " Oportun XXXX Credit Card XXXX XXXX XXXX XXXX XXXX, The XXXX, TX a scam company and has refused to close an account I never activated or agreed to any Credit Card Terms. They never would give me the terms and the Credit Limit. When they did finally send me a text telling me the Limit I told them I did not want the account and to close it since I never activated any cards. They now will not take my card unless I know all 16 numbers of the card which I never received a card in the mail. I received a Stmt showing I owe them {$49.00} for what I do not know but this Company is scamming me and I want this complaint filed to the maximum of the law and I will also dispute them as a scam through all 3 repositories and will not pay the {$49.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Convergent Resources, Inc.
State: IL

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREIDET REPORTING ACT CONVERGENT ACCOUNT # XXXX, HAS VIOLATED MY RIGHTS. 

15 USC 1681 SECTION 602 STATRS I HAVE THE RIGHT TO PRIVACY.

15 USC 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

15 USC 1666B : A CREDITOR MAT NOT TREAT A PAYMENT ON A CREIDET CARD OR LOAN ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR 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 2022-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
An error to my credit report have not yet fix I've sent you too many letters to correct your record which is my credit report. I would like you to remove and delete what is detrimental to my credit report. If you continue your willful non compliance with the law I will file a small claims from your company for violating my Consumer rights There are items on my credit report that are in violations of the FCRA. 15 USC 1681 section 611 states that if an accounts are incorrect, inaccurate and unverifiable you must remove and delete it from consumer report. Also, there is an invasion of my privacy and defamation of my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 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: FL

Complaint narrative:
XXXX AND TRANSUNION BOTH UPDATED MY REPORT AS THEY ARE REPORTING INACCURATE AND NOT 100 % CORRECT INFORMATION ON MY CREDIT REPORT I HAVE REACHED OUT TO THE COLLECTION COMPANY FOR A LETTER STATING WHAT THEY SAY I OWE AND THE AMOUNT THEY CLAIM AND THE AMOUNT THE CREDIT BUREAUS ARE REPORTING ARE NOT 100 % CORRECT AND ACCURATE

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation