vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Two internet purchases I made were located in foreign countries. I was unaware of this status. When Bank of America later sent me an email about the purchases I responded to decline the purchased. The ban declined the purchases but then without warning shut down my credit card without warning. I did not find out about the termination until later in the day when I was trying to make a purchase at a local store.

Trying to call customer service was a disaster. Initial hold time of 30 minuted followed by subsequent delays. The bank refused to reestablish the credit card insisting that they would have to send me another card with a new account number. I have numerous reoccurring charges tied to the account and it will take me hours to change all the information. There was no fraud involved and no loss on the part of the bank. Failing to have procedures to reestablish the account because of computer issues is their problem, not mine. 
Bank of America has shown poor customer support in the past and recently sanctioned a substantial amount. Apparently it was not enough. I request that you reexamine their procedures and once again fine them heavily again to get their attention to these constant short fallings.

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 2023-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: I.C. System, Inc.
State: VA

Complaint narrative:
I've tried to get them to correct the information on my credit report for multiple of the collections. They are not consistent across the 3 credit bureaus and do not hairy the right amounts or dates.

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 2023-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: R & B Corporation of Virginia
State: VA

Complaint narrative:
I've tried to get them to correct the information on my credit report for multiple of the collections. They are not consistent across the 3 credit bureaus and do not hairy the right amounts or dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Spring Oaks Capital, LLC
State: VA

Complaint narrative:
I've tried to get them to correct the information on my credit report for multiple of the collections. They are not consistent across the 3 credit bureaus and do not hairy the right amounts or dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.

Complaint narrative:
Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY. The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system.I never gave my expressed, written consent for this consumer reporting agency to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
Without any knowledge of our XXXXXXXX XXXX XXXX XXXXXXXX card transfer to another servicer, ( Comenity ) we received a letter on XX/XX/XXXX from Comenity, that our payment arrangement with our previous servicer did not transfer. I paid no attention to this letter because I had paid off the XXXX card on XX/XX/XXXX and had put the card away and did not use it again. Our final payment was for {$3400.00}. We have proof from the bank of this payment and a confirmation of payment from XXXX XXXX XXXX. On XX/XX/XXXX we received a statement from Comenity that we have a balance of {$930.00}. I knew we had paid it off so I contacted Comenity and the issue was put into dispute. At this time we sent a letter showing the dates and amount paid and asked for any relevant statement to show that we have a balance. On XX/XX/XXXX they sent a letter " As stated in the previous correspondence dated XX/XX/XXXX, some information is missing to investigate your payment of {$500.00} is missing. We went to our bank and got proof from the bank manager of the {$500.00} that we paid. We then received a letter stating we have no record of your disputed XXXX signature payment. On XX/XX/XXXX we received another letter saying we contacted them about a missing payment of {$1100.00}. We did NOT contact them about this missing payment. All correspondence is very confusing. We sent a copy of all payments made when the card was with XXXX and copies of our statements. When we stopped using the card we forgot to change the auto payment that had been set up with our bank. It was {$35.00} per month. We failed to notice thaXXXX XXXX XXXX XXXXXXXX XXXX was receiving this each month. After our last payment they continued to take this payment monthly until XXXX of XXXX, ( 17 months ). We sent them a spreadsheet showing what we charged and what we paid and with the monthly auto payment we feel they owe us money. I also reached out to XXXX XXXX XXXXXXXX but they said they could not help us because not help us and gave us the Comenity phone number. I do believe they have sent us to collection. They have never given us anything to prove we had a balance when they took over the XXXX XXXX XXXX XXXXXXXX account. Each letter they have sent us they send us do not make sense. We have had a good credit score because we always pay our bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I recently was made aware of an account that is not mine I havent given my verbal or written consent to anyone to open such account I have disputed this account multiple times with both the credit bureau and the collection agency but to no prevail I have attached documentation to disputes proving this collection account is not mine but they keep telling me is been verified even tho they wont supply me with the original documentation with my signature binding me to this account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: MECHANICS BANK
State: CA

Complaint narrative:
XX/XX/XXXX I called XXXX police department to come out and make a report that my car was stolen. I was informed to contact my insurance company, I received the phone call from the police station that my car was not stolen it was repoed My car is completely paid off XX/XX/XXXX, I have all my receipts no missed/late to any of the Mechanics bank or CRB. I owe XXXX no amount of money.. Who are they.. call bank huh there is no Bank I own my car outright for one year now credit report proves paid in full I have legal title ownership, this company has fraudulently stolen my vehicle and requested a new title for what reason I don't know I have title legal ownership and registered owner there's no liens no court dates no repo orders no court orders or judgments per DMV printout available upon request it's unfair to take a person property their only means for transportation. and sell it back to me. im credit worthy My credit report my receipts show and prove paid in full XXXX balance. 

I've tried to solve this problem over the phone XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX, XXXX and in person on XX/XX/XXXX at XXXX XXXX. at the address provided they made a copy of my ID and told me that I could not have my property as I handed them a copy of a demand letter and Notarize documents to solve this problem by releasing my vehicle instead im asked for my car keys they expect me to hand over my property that I own outright they give me phone numbers and addresses that does not exist, I've taken all the steps via DMV to obtain my rightful title my car was fraudulently stolen from XXXX CA . Mechanics Bk was a personal indirect loan that was paid i full after 3 years this was an Unsecured loan and my car can not and is not, and was not used for colattoral. 

I have seen the reviews similar issues has been reported to XXXX regarding the same issue as mines. I heard how XXXX has returned vehicles to rightful owners in poor and damage condition amounting in costly damages after a XXXX report has been file against this company and all that is involved... I want my XXXX XXXX XXXX  to returned to me in excellent condition without retaliation for filiing a XXXX claim to get my car back. ; Return my vehicle remove from your repo list car returned in excellent condition no body damage etc...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I did a trial of premium services with XXXX. I cancelled the service on XX/XX/23. XXXX proceeded to charge me the minute I had enough money in my account which was a credit. I called Bluebird and explained the situation. They said they would investigate the situation and issue credit in 10 days of the dispute of the charge. After the 10 days Bluebird did not issue credit and would not provide a reason why.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Incorrect information on my transunion report and XXXX report I need to add the XXXX on my credit reports with both companies transunion and XXXX and take the incorrect addresses on my Transunion credit report and extra names and phone numbers on my transunion credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I opened a Chase Slate XXXX credit card with a balance transfer offer of 0 % APR for 21 months, with a 3 % fee based on the amount transferred. When I asked to transfer a balance from an existing Chase Card ( the Chase XXXX XXXX XXXX XXXX car ), I was informed that the offer did not apply to other Chase credit cards. This limitation was not indicated anywhere on the offer or even on the card opening materials that I received. I believe this renders the offer materially false and misleading. Had I known the Chase Slate XXXX card would not help with my existing Chase card balances, I would have opened a different, non-Chase card. Although I could potentially open such a card now, I have incurred a hit to my credit score by opening the Chase Slate XXXX card based on their misleading offer. I also spent considerable valuable time filing out the card application. I ask that the company immediately honor the balance transfer offer for my existing Chase balances and that future promotional materials be amended to reflect any limitations on balance transfers from other Chase credit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
SYNCBXX/XX/XXXX Credit Card Last reported XX/XX/XXXX Payment details XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX -High balance {$420.00} Times XX/XX/XXXX days late XXXX Account details Account number XXXX Account type Credit Card Account condition Closed Date opened - Responsibility Individual Limit {$2500.00} Creditor info Lender SYNCBXX/XX/XXXX Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX, FL XXXX I put a note on my credit report that my id had been stolen they closed the account saying there was fraud and I explained everything they said there was nothing to do even though it was hurting my credit report. This was a fault on their action, not mine, i did what I was supposed to do

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 2023-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: IL

Complaint narrative:
On XX/XX/2023, in Case Reference # XXXX ( See attached Supporting Document # XXXX ), I submitted notice to LexisNexis of XXXX XXXX XXXX routine accessing of my LexisNexis Consumer Report. My notice to LexisNexis included my Notice to XXXX XXXX XXXX of Revocation of Authorization and Notice to Cease Access of XXXX XXXX LexisNexis Consumer Report. This notice was made in accordance with the Fair Credit Reporting Act ( FCRA ), which grants consumers the right to control access to their credit and consumer information. Upon review of my LexisNexis Consumer Disclosure Report dated XX/XX/2023, Consumer Number : XXXX, Case Number : XXXX, I discovered two additional inquiries from XXXX XXXX XXXX that I did NOT initiate, authorize, or consent to. The release of my LexisNexis Consumer Report without my authorization or consent is a very serious violation of the federal Fair Credit Reporting Act ( FCRA ). This action constitutes a violation of the Fair Credit Reporting Act 604, is illegal, is injurious to my credit rating, and is an invasion of my privacy per 15 U.S.C. 1681 602 ( a ) ( 4 ). On XX/XX/2023, I submitted via USPS certified mail, a SECOND Notice to XXXX XXXX XXXX to Cease Access of XXXX XXXX LexisNexis Consumer Report, SECOND Notice of Revocation of any Prior Authorization to Access XXXX XXXX LexisNexis Consumer Report ( See attached Supporting Document # XXXX ). Having been duly provided with my Notice to XXXX XXXX XXXX of Revocation of Authorization and Notice to Cease Access of XXXX XXXX LexisNexis Consumer Report on XX/XX/2023, and my SECOND Notice to XXXX XXXX XXXX to Cease Access of XXXX XXXX LexisNexis Consumer Disclosure Report, SECOND Notice of Revocation of any Prior Authorization to Access XXXX XXXX LexisNexis Consumer Disclosure Report on XX/XX/2023, LexisNexis ' continued failure to comply may result in legal action against XXXX XXXX XXXX and LexisNexis. I expect LexisNexis to take this matter seriously and act promptly to ensure that my consumer information is no longer accessible to XXXX XXXX XXXX or any other entity without my authorization or consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-10-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
MR COOPER mortgage company in XXXX, TX is my mortgage company. My name is XXXX XXXX and I requested for assistance and was told I needed to fill out a form in XXXX via phone call. I was told everything was on hold until the results came. Time pass and I get no form just a letter saying to send income statement of w2 so I sent it and was told no form was to be filled out and I was good. More Time pass and now I need to fill out the form that I was initially told i was getting in the mail and then that I didn't need it, but now I need to fill it out after the third encounter wasting more time. Late fees accumulated and i see a default on my online account and im confused because I was told everything was on hold so I was misinformed and poor communication on their part by not giving all the information to make the best choice for myself and not sending important paperwork that I was told I need, then I don't need it and now I do getting the run around. My credit score dropped over 100 points and if I knew it would not be on hold and my credit would drop I would've never done it. It showed over 30 days late and we are waiting on them and I keep being told one thing and they're delaying the process by not giving me accurate information and giving me what I need. The form was never mailed so I had to go online which it wouldn't even allow me to fill it out on. My last call with Mr Cooper XX/XX/23 at around XXXX XXXX I was told no matter which plan I got it was going to drop my credit and I dont want to do either plan. I will just work harder to pay it up to date and today I made one mortgage payment and next week I'll catch it up. I'm upset because had I knew this from the start i would've never even tried to do this but I was assured everything was on hold. It's not fair and I'm upset they never sent the forms that caused more wasted time increases the days of late payment that was supposed to be on hold. I would appreciate some help with this situation. My credit was over 700 I worked so hard to get there and by misinformation and lack of efficiency on sending documents my credit which I value has been damaged PLEASE HELP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14 00:00:00
Product: Credit card — Store credit 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: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
1. Balance was paid in full in mid XXXX ( ~ {$140.00} ) XXXX. In XXXX we were sent a statement that says we had XXXX something dollars worth of credit in the card, XXXX. XX/XX/XXXX : They went into my bank account and withdrew {$45.00} ( an arrangement I had made with them prior to account being paid off ). This is despite the account being paid off. 
XXXX. XX/XX/XXXX : They went into our account and deposited the {$45.00} they withdrew on XX/XX/XXXX ( again, because the account was paid off ). 
XXXX. From that point on, they started charging us for checks bouncing from our bank account. Obviously nothing bounced since : ( a ) account was paid off so they were not supposed to withdraw any money, ( b ) they went into the account and actually withdrew the money successfully and deposited back in. 
XXXX. For the past month my husband has spoken to six customer representatives and escalated this twice and no one was able to help. Plus, they even charged us now for being late on bogus charges despite the account being paid off since XXXX. Every time my husband calls they want me on the phone to approve despite authorizing my husband on account ( even to take off the bogus extra 'late ' fees we are being charged ). 
XXXX. I tried to reach out to IKEA on social media to escalate and no luck.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I was making payments on time but I was involved in a car accident and I tray to negotiate with them I I told with them about my situation but they didn't work with me also they send my to collection I didn't think is fair becouse becouse I dint have income even for my self and also I didn't have enough money to pay the amount they want to pay to the company

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I have no knowledge of these accounts ( 1 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  these alleged debts are reported as a chargeoff collectionon my TransUnion, XXXX and XXXX consumer reports which is negatively affecting my ability to obtain credit.

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