vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-24 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My XXXX  debit card with Bank of America seems that was compromised. I never lost or have let anyone used my card. I used a Bank of America ATM machine on XX/XX/2020 and on XX/XX/2020 when I tried to withdrawal more cash I just couldn't get any cash. Immediately contacted them and open a claim for investigation. They told me to freeze my account because I didn't want anyone to take the only money left and for them to send me a new one. I destroyed my old card waiting for the new one and for them to resolve my situation. All I got was a letter stating that my money won't be refunded because of suspicious activities of fraud. That is ridiculous and offensive because If they check their cameras and their ATM machines systems, they will find out that my card was never used to withdrawal any money. I lost almost all my XXXX savings {$4900.00} dollars. No one helps me on the phone nor the bank. Because they claimed that bank of America is just an intermediary. I don't work, have no money or card and no hopes to get my money. I need help. I'm 100 % confident that it wasn't me or anyone taken my card. That is a lie.

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 2020-11-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
On XX/XX/2020 Best Buy corporation promised to pay me {$390.00} as compensation for their pathetic service regarding my purchase of {$4300.00} of appliances from Best Buy. Essentially every thing that could go wrong with the purchase went wrong so Best Buy promised to either credit my account or send an AWARD certificate in the amount of {$390.00} as a compensation for pathetic customer service. 
A case number was issued by Best Buy which explains the details and it is XXXX. 
I was told that I would have my compensation within XXXX business days. I have called Best Buy 3 times and get nowhere. Frankly now I want more compensation for all the wasted time I wasted trying to get this matter resolved over the phone.Their service is pathetic.

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 2020-11-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Delay in processing application
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
on XX/XX/15 I applied online for a XXXX XXXX credit card to take advantage of 0 % interest promo. Card is offered thru Comenity Bank. I unfrozen my credit reports before I applied. I do have a fraud alert on my report report because of my common name and previous issues with wrong accounts merged on my report. I am aware that someone is to call and verify my identity. The message I received when I applied online was " processing and I would hear within 10 days '' I followed up calling a number XXXX XXXX  Manager gave me and I could not get anyone to help me. I was transferred three times - once to XXXX Customer Service, once to XXXX - XXXX XXXX and once to a recording. I was told that only a Supervisor could help me and they were not allowed to transfer to a Supervisor. To date, I still have not received any communication from Comenity Bank. I currently am a cardholder with Comenity Bank with XXXX XXXX and BJs XXXX XXXX cards - all in good standing. 

I would like to get a response ASAP as I would like to continue my purchase with XXXX XXXX during the promotion.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 00:00:00
Product: Credit reporting, credit repair services, 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:
I am a XXXX  resident. Credit Reporting Agency TransUnion not immediately removing a paid medical debt. I have filed three disputes and two investigations did not remove the accounts from my report. The third account is currently being re-investigated. The collection company reporting the negative information is XXXX XXXX based in XXXX XXXX. 
The company reported a medical collection that was over three years old after I paid a current collection to their company. I contacted the original creditor which is a medical facility and the notified my account was closed and was removed from collections however XXXX XXXX and TransUnion are still reporting. XXXX  has however clear the collection from my report after they completed a proper investigation.

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 2020-11-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
XX/XX/2020, I sent a letter regarding wrong and inaccurate things on my credit report. To this day, over 60 days, I have not received a response yet. I feel like I'm being taken advantage of and being ignored for my disputes. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to remove those from my credit report immediately, and it's been over 60 days, so they should be deleted promptly. Also, my information was impacted by the Equifax data breach and may have gotten into the wrong person 's hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: CA

Complaint narrative:
My information is was used for some sort of pet bill with XXXX XXXX XXXX that resulted in it going to Collections. I spoke with a representative regarding this account after I received a letter in the mail and called and told them I didn't recognize it she told me she would take care of it for me and apologized for the inconvenience it had caused me dealing with the idenity theft. Ive had an issue with false credit cards and inquiries on my credit that I was able to resolve with multiple issues other credit companies in the past, as well as a false XXXX account in my name with the XXXX XXXX XXXX XXXX which I can provide documentation for proving identity theft. I've attached a copy of my police report and a copy of my FTC  idenity theft report and my valid ID and social security card to verify my identity. I would like this resolved as it is a result of identity theft and it is dramatically impacting my credit and affecting my financial health in this pandemic.

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 2020-11-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
XX/XX/2020, I sent a letter regarding wrong and inaccurate things on my credit report. To this day, over 60 days, I have not received a response yet. I feel like I'm being taken advantage of and being ignored for my disputes. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to remove those from my credit report immediately, and it's been over 60 days, so they should be deleted promptly. Also, my information was impacted by the XXXX  data breach and may have gotten into the wrong person 's hands.

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 2020-11-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
XX/XX/2020, I sent a letter regarding wrong and inaccurate things on my credit report. To this day, over 60 days, I have not received a response yet. I feel like I'm being taken advantage of and being ignored for my disputes. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to remove those from my credit report immediately, and it's been over 60 days, so they should be deleted promptly. Also, my information was impacted by the XXXX  data breach and may have gotten into the wrong person 's hands.

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 2020-11-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: TX

Complaint narrative:
I had a chime bank account, I put in three disputes, spoke to someone over the phone and let them know that I noticed money was being used from my account, it was also overdraft. I let them know everything and they told me they were going to fix everything. Two days later I received an email that my account was closed. They didn't help me or let me know the reason why the closed my account. My credit score also dropped XXXX in one day! Someone has compromised my phone and accounts I need help please!?!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 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: CL Holdings LLC
State: GA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: TX

Complaint narrative:
Mercantile adjustment bureau placed a collections account on my credit report without my knowledge of the debt. I never received written notice that the account was turned over to them by XXXX XXXX. I contacted Mercantile Adjustment Bureau and advised them of this issue and told them I would like to dispute this account. XXXX XXXX continued to bill me after services were canceled. I explained this to the Customer service agent with Mercantile and requested a copy of the final bill from XXXX XXXX  and they stated they did not have to provide that to me and that I needed to just pay the bill. I explained to them that I would pay what I owed to XXXX XXXX but would not pay for services not rendered. I also advised Mercantile that this needed to be removed from my credit file immediately and they refused to do so. Mercantile Adjustment Bureau is in clear violation of FCRA regulations by not providing written notice of this debt before placing this on my credit file. They are also in clear violation by failing to provide the bill from XXXX as requested. This needs to be removed immediately from my credit file. If they fail to remove this immediately, I will seek legal action against them. They have 10 days from today to remove this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Scammers scammed money for job offerings and house purchases. One transaction is a check deposit, from Wells Fargo to the XXXX XXXX XXXX. Date : XX/XX/2020. {$3000.00}. Check # XXXX XXXX XXXX Deposit into XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX No : XXXX XXXX XXXX XXXX Routing No : XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX, XXXX, TX XXXX I contacted both banks, XXXX XXXX XXXX willing to help me , and suggested me to ask Wells Fargo work with XXXX XXXX XXXX and recover my money. 

Please see the attached document.

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 2020-11-24 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: TD BANK US HOLDING COMPANY
State: DE

Complaint narrative:
I REVIEWED MY CREDIT REPORT AND FOUND ERRORS. I SENT IN A WRITTEN DISPUTE CERTIFIED MAIL AND I HAVE YET TO SEE ANY RESPONSE FROM THE CREDIT AGENCY.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 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: Portfolio Recovery Associates, LLC
State: DE

Complaint narrative:
I REVIEWED MY CREDIT REPORT AND FOUND ERRORS. I SENT IN A WRITTEN DISPUTE CERTIFIED MAIL AND I HAVE YET TO SEE ANY RESPONSE FROM THE CREDIT AGENCY.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
On XX/XX/2020, I disputed XXXX XXXX XXXX debt collection to Transunion credit bureau which resulted in deletion of XXXX XXXX XXXX debt from my credit report. However, Transunion failed to update and increase my credit score after error was deleted and removed.

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 2020-11-24 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: MoneyLion Inc.
State: PA

Complaint narrative:
I REVIEWED MY CREDIT REPORT AND FOUND ERRORS. I SENT IN A WRITTEN DISPUTE CERTIFIED MAIL AND I HAVE YET TO SEE ANY RESPONSE FROM THE CREDIT AGENCY.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 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: DISCOVER BANK
State: PA

Complaint narrative:
I REVIEWED MY CREDIT REPORT AND FOUND ERRORS. I SENT IN A WRITTEN DISPUTE CERTIFIED MAIL AND I HAVE YET TO SEE ANY RESPONSE FROM THE CREDIT AGENCY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-24 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: CCS Financial Services, Inc.
State: PA

Complaint narrative:
I REVIEWED MY CREDIT REPORT AND FOUND ERRORS. I SENT IN A WRITTEN DISPUTE CERTIFIED MAIL AND I HAVE YET TO SEE ANY RESPONSE FROM THE CREDIT AGENCY.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On Wednesday XX/XX/XXXX I received a text from Chase stating my daily balance. I noticed I was negative and quickly checked my account via mobile app and saw there was an ACH transaction for {$1000.00} to XXXX at XXXX. Yes I have used XXXX in the past but I did not make this transaction. I filed a claim with Chase which they denied. Chase 's decision was based on there being 3 XXXX transactions done in XX/XX/XXXX for {$7.00}, {$30.00} and {$15.00} via ACH. Chase advised to reach out to the merchant ( XXXX ). After I hung up I checked my Chase statements and saw the 3 transactions they were referring to and noticed they were all done via debit card NOT ACH as they stated. Also, I did not have to log in to XXXX to make these transactions. I decided to try to get back into my XXXX account which I was successful in doing and changed my password. I saw the {$1000.00} sitting in XXXX but there is a " limitations '' stuck to it which means I am unable to touch my own money. I called XXXX Monday XX/XX/XXXX and stated my issue. After hours on the phone I was advised my email address XXXX is linked to my very old email address XXXX XXXX XXXX that has a negative balance due to XXXX of {$260.00}. I asked what year is the negative balance from and they advised from XXXX. They also advised they have a statute of limitations that states they will not collect any debt over XXXX years old. I was then advised they would work on unlinking the email addresses and it would be done in 3 business days. I then waited until Friday XX/XX/XXXX and the limitations was still on my account which means I'm still unable to touch my own money. I called XXXX Friday XX/XX/XXXX in the morning and they advised it would be completed by end of day. That did not happen. I called XXXX the same day about XXXX and stated my issue yet again, and the young lady that helped me then sent my issue over to the main office where they will determine whether to unlink my email addresses. I also filed a claim with XXXX on XX/XX/XXXX which was also denied. I called XXXX for an update on Monday XX/XX/XXXX and I was advised to wait for a response via email regarding unlinking the email addresses.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
After being with Capital One MANY years with a high credit line of $ XXXX. On XX/XX/2020, I was notified by the company my line was reduced to {$5000.00}. This was due to having not coming near the high line of credit use. This was done without even permission or notification that this would be happening. I was concerned that this would affect my now XXXX credit score. So approximately 10 days ago I called them questioning if my score would be affected ... .the first customer service rep had no idea, was then sent over to a supervisor, he had no idea either if this would affect my score. So this bank does this without notification or permission to do an adjustment on my card having NO idea if it affects your credit score. My husband and I IMMEDIATELY cancelled both our cards and we have WERE customers they shouldnt want to lose. Aside from that, I have found out that doing this DOES affect your credit score and that is valuable to me. I will attach their notification. Please advise if this is legal and can you do anything about it. 

Respectfully XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
I am XXXX XXXX my account was blocked on XX/XX/2020 and I have a balance of {$1300.00} with happen to be my rent money can I get my money back. Hence cant be allowed to use Cashapp anymore but I need my rent money back plz. My Cashapp they said is blocked but they dont want give my money back Account name : XXXX XXXX  Phone XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KY

Complaint narrative:
Fifth third bank closed my checking account after I deposited XXXX. In to my own checking out via mobile deposit. They said I havent used my card in 6 months which is a lie I use it daily for gas. They would not give me a corporate phone number. They blocked me out of my mobile banking and my money. I missed work, lost out on money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY
State: ND

Complaint narrative:
I just logged into my XXXX account only to find that I had an inquiry from TD Bank from XX/XX/2020. I have never applied for a credit card with them and I live in a state that they are not known so unsure where they are coming from with this inquiry

Company response to consumer: Closed with non-monetary relief