vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I opened a joint account with my XXXX year old daughter. A few weeks later, her debit card was hacked. We were notified by Bank of america that the account was being used. We tried to contact bank of america on several occasions to cancel the card. Spoke to 3 individuals at BofA including supervisors before the issue was apparently resolved. I recently received a letter from BofA stating that I was responsible for the charges because I was logged into the acct. No further infomation about the investigation was giving. I contacted BofA two more times explaining that I have no idea what the charges were. I was advised that the matter is closed and I would have to write them a letter to start the process over again. this has been going on for several months now.

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 2022-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: NC

Complaint narrative:
My debit card was stolen and Chime refuses to give me my money back. Over XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XXXX is refusing to return my money of {$850.00} for wire transfer on XX/XX/2022. They said that the fund had been transfered to another platform. 

XXXX complaint number is in the attachment. Complaint # : Reply ] XXXX # XXXX - Complaint # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 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: MD

Complaint narrative:
I am a consumer by law and my information was misused and now I have false information, not 100 % accurate accounts on my credit report. All being unauthorized use of my 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 non-monetary relief
Consumer complaint received 2022-06-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: UNITED BANKSHARES, INC.
State: VA

Complaint narrative:
I transferred money thru XXXX thru my bank United Bank. I sent it to the wrong number but after XXXX minutes got the correct number and corrected it. I called my bank to let them know. After a few days, I received a letter from United Bank that they can not help me get my money back which is {$1100.00}. 

My complaint is- if it was reported to my bank within minutes the error was recognized, why did the bank put on hold the transaction and reverse the payment. They have all the power to reverse the payment, if the person and phone number doesn't match. Just like what you do with wire transfers. 

I sent a message to the person with wrong number to return the money but did not return it. 

After talking to my bank who insisted they can not help and suggested I called XXXX, which I did, now XXXX is telling me that they can not help and should call my bank. 

My questions is- how are the consumers protected from this kind of kind of mistake. Who takes responsibility. 

If the person 's name does not even match, why process the transfer?

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 2022-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Credit Karma, LLC
State: VA

Complaint narrative:
My credit karma card was locked because they suspected fraud nothing that I called in personally something they said I signed up for but I was unaware. I only use my card once a month..on XX/XX/XXXX when my money is normally available on my account I tried using my card at the XXXX  gas station on XXXX in XXXX Virginia it was declined because I entered the wrong pin.I changed my pin thru the app I tried to get gas it declined once again I get an email saying someone was trying to withdraw XXXX $ from my card so I kind of ignored it cause Im standing at the gas pump trying to get gas with my card in hand. I knew that email wont the truth.Next I went to XXXX and try to buy a couple of items my card declined once again thats was the final draw so I called CREDIT KARMA to see what was going on thats when they transferred me to the fraud department Im like fraud so when someone from the fraud department get on the phone she demanded I answer questions about something I knew wont no fraud attempt and treated me as if I was the fraudster. I refused and linked my cashapp card and used that until my card was cleared fast forward to the day b4 my expected deposit which was the XXXX of XXXX I called again to clear the suspected fraud transaction after I cleared them the agent told me she was unlocking my card I hung up phone on her.The XXXX come my account is still locked and no deposits available on my account so I called back they tried telling me three times that my account was unlocked but clearly it wont because I can see from my online account that it wasnt. I informed her I could see that it wont unlocked and I asked to speak with a supervisor she put me on hold as if she was looking for a supervisor she got back on the phone and said there was no supervisor on the floor at the time so she will help me then boom my account is unlocked I said thank you miss but I have one more question? WHEN WILL MY TWO DEPOSITS IM EXPECTING TODAY WILL BE AVAILABLE ON MY ACCOUNT SHE ASKED THE AMOUNT WHICH I TOLD HER SHE SAID YES I SEE THEM IT CAN BE ANYTIME TODAY JUST KEEP CHECKING UNTIL END of day which I did as well as call every two hours just for other reps to tell me they did not see them here it is the XXXX XXXX am and still the same thing.PLS HELP ME WITH THIS SITUATION ITS NOT FAIR IM A SINGLE MOTHER OF XXXX CHILDREN AND ONE ON THE WAY MY TV IS OFF BECAUSE OF THIS MY KIDS HAVENT BEEN ABLE TO DO THEIR SCHOOL ON tHE COMPUTER BECAUSE THERES NO INTERNET I HAVE NO FOOD AND NO HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Delete the following hard inquiries from my consumer report : XXXX via XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was not able to obtain personal AND BUSINESS CREDIT because of these inquries so I can sue for {$1000.00} in damages.

15 U.S. Code 1681n - Civil liability for willful noncompliance states : ( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.

These companies did not have written permission from me therefore there was no permissible purpose. 15 U.S. Code 1681b - Permissible purposes of consumer reports states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other :.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

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 2022-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Delete the following hard inquiries from my consumer report : XXXX via XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was not able to obtain personal AND BUSINESS CREDIT because of these inquries so I can sue for {$1000.00} in damages.

15 U.S. Code 1681n - Civil liability for willful noncompliance states : ( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.

These companies did not have written permission from me therefore there was no permissible purpose. 15 U.S. Code 1681b - Permissible purposes of consumer reports states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other :.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: United Collection Bureau, Inc.
State: TX

Complaint narrative:
XX/XX/2022 Recieved a Text from : Phone number XXXX Claiming to be United Collection Bureau , Inc. asking me to call XXXX or visit ucbinc.com do not have any outstanding debt. This is a phishing scam. 

Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
A credit card company ( Synchrony Bank through XXXX XXXX XXXX XXXX has reversed every payment I made on my credit card and portrayed my account as over limit use by double the amount I was approved for. The credit card company has chosen to keep the funds ( although they rejected/reversed the payments on my statements ). Not only have they not refunded me for the transactions they rejected, but they have sent me to collections within 5 days of all of this activity. All in all, they have withheld the the initial XXXX XXXX dollars I paid, and have sent me to collection for XXXX XXXX dollars AND have reported negatively on my 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 2022-06-28 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: FL

Complaint narrative:
I was practicing my consumer rights and I sent them a money order to disburse the debt and they told me they couldnt expect the payment and they sent it back, then gave me a bunch of late payment reports on my credit witch is now effecting my credit and is stopping from being able to live.

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 2022-06-28 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: FL

Complaint narrative:
I was practicing my consumer rights and I sent them a money order to disburse the debt and they told me they couldnt expect the payment and they sent it back, then gave me a bunch of late payment reports on my credit witch is now effecting my credit and is stopping from being able to live.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I was practicing my consumer rights and I sent them a money order to disburse the debt and they told me they couldnt expect the payment and they sent it back, then gave me a bunch of late payment reports on my credit witch is now effecting my credit and is stopping from being able to live.

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 2022-06-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
on XX/XX/2022 I made a {$7.00} purchase on my phone. I was charged {$7.00}, but I was also charged {$32.00}. Capital One sent me a text saying : Hi, its Capital One. Did you just try to make this purchase with your Bass Pro Shops CLUB card ending in XXXX? 
INTERESTING GRIT TABLE DECLINED {$32.00} Text back yes or no to protect your account. 
I TEXTED BACK NO So Capital One Declined the " purchase '' or charge, and so did I. Then Capital One sent me another text saying : Lets take care of this right away. We temporarily stopped youre the use of your card to help keep your account safe. Now lets report any purchases you didnt authorize ( including this one ), and then well send you a new card. FYI, any unauthorized charges will remain on your account until you report them and get a new card. I reported it and we cancelled my card and they sent me another one. I did not make the {$32.00} purchase so it was to be taken off my card. I get my new card and bill and it's still on, I call them. The next month the charge is still on the bill. They tell me it's not fraud, as I received the purchase. Yes, the company sent me XXXX XXXX of lotion which I did not order. I called the Merchant and they would not give me their address to send it back. They said I needed to have a 3-way conversation with them and Capital One. I called Cap. One to arrange that, and the woman said she never heard of that, but would do it. Nothing came of that conversation. It went back into dispute, and is still on the bill. Cap.One sent me a questionnaire to fill out. I did. Every time I call them, they say they need more information, I ask what do you need? They tell me the questionnaire, which I sent them already, to call the merchant, which I did along with the 3-way call, to send them more information. They said the merchant sent the item, so now I have to pay for it... BUT I DIDN'T ORDER IT AND THEY WILL NOT TAKE IT BACK! We keep going in circles, as I've sent them every document and questionnaire they've asked for. I sent them a copy of the texts they sent me. Now it is 4 months later, and the charge is still on the credit card, and they've added fees and interest. I am over XXXX and every time I see their bill or email, or interest and fees, my XXXXXXXX XXXX XXXX XXXX and I lXXXX XXXX XXXX XXXX. My credit rating is XXXX and I told them that they are going to ruin my credit for nothing. I don't know what else to do! Please help! I attached 1 letter they sent me with their case # on it and the merchant name, but do have the other documents which I can not upload at this time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Collection agency XXXX XXXX XXXX reported a fraudulent debt to the credit bureaus saying I was 120 days past due on a debt I knew Nothing about until my bank told me my credit score had declined by XXXX points. I called XXXX  - spoke to XXXX XXXX today XX/XX/XXXX, at XXXX who wanted the account number that I never had and then said to investigate me I had to prove it wasn't mine. Then she said the original debt was from XXXX, and could I prove I didn't live in XXXX then. I have never lived in XXXX, I have been at my XXXX address since XXXX. I have had second houses in XXXX and XXXX, never XXXX. Then she said the investigation would take 60 days but they would never tell me what happened because I said reporting it to the credit bureaus without contacting me first lacked due process and was harassment. I have been the victim of identity theft, so all three credit reports are frozen

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 2022-06-28 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
SynchronyBank/Sam'sClub World Elite Mastercard. I have durable power of attorney for my mom. Trying to close this acct. Per their request, I sent in the durable POA. They acknowledge receipt. Three phone calls and talking to 5 people and receiving a letter from them, the XXXX XXXX refuses to close acct unless I provide my DOB and SS to prove who I am. I have repeatedly told them the signed, sealed, notarized, and recorded POA proves who I am. I just want to close her account, not use it. They refuse to close it. I have asked to speak to the department responsible for the letter to address. They refuse to put me in contact with a person of decision making position. 
My mother is in XXXX living and will not be using this XXXX. There is no reason to have my personal identification to close an account when they have a signed, notarized and sealed POA which allows me to act on her behalf.

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