vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
XXXX which is owned by comenity bank and XXXX sold my information to collection agency XXXX XXXX in which I did not have a binding legal contract. XXXX/ comenity bank and XXXX already received funds as tax write off XXXX still continue to sell my information to collection agencies and XXXX is part of this scam because they continue to put inaccurate information on my credit report. XXXX was listed twice on my credit report one as XXXX and the other as XXXX with the same account number opened in different years

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Bank of America handles card processing for agencies of the XXXX XXXX XXXX 
I made a charge on a card for the XXXX  XXXX. of XXXX in XXXX, XXXX. I didn't think it went through so made a second charge for {$3600.00}. I realized it did go through and immediately issued a refund in the amount of {$3600.00}. I showed my processor, XXXX, that record. 
On XX/XX/XXXX, I was notified the client had filed a dispute and I was being charged {$3600.00} plus a {$15.00} " dispute fee ''. That money was deducted from my XXXX XXXX XXXX XXXX account on XX/XX/XXXX. It has not been replaced as of XX/XX/XXXX. 
I can't get anyone at XXXX to issue a refund and can't find a number to call to discuss this with Bank of America. 
I'm being told they have up to 30 days to resolve the issue and re-imburse me. XXXX is also asking to have access to my banking records, and I declined to give them that access.

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 2023-07-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kingston Data & Credit International Inc.
State: OH

Complaint narrative:
Ive never been contacted never heard of this company KINGSTON DATA AND CREDIT and the this is not my debt I never had a membership with XXXX XXXX XXXX my brother stole my identity and I have been going through this for month I have a police report number

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I am so XXXX off by Chase bank. I went to the ATM to make a deposit on XXXX XXXX XXXX, XXXX NJ XXXX The ATM ate my deposit. I went inside to tell XXXX of the tellers and they told me I would have to call customer service. Upon calling customer service I was told that Id have to file a claim and wait 10 days for MY FUNDS that I tried to deposit to pay my car note. Now my car note is past due and thats about to affect my credit thanks to Chase. Another rep told me that Id most likely receive a credit to my account within 4 days and I still havent seen anything. Im on day 3. I filed the claim right after the incident on XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 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: MD

Complaint narrative:
This is not even licensed in my state to collect anything at all. I will be contacting the AG of their state as well as mine.

Pursuant to 15 USC 1692 ( c ) ( 2 ) - I am involking my specified remedy as a consumer and the original creditor I am demanding all of the following : XXXX out the balance on this account Pay the attached invoice and compensate me for every violation labeled in the attached exhibits.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-24 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: NE

Complaint narrative:
See the attached documents. I want the bureau to start teh investigation on these accounts on these accounts. I am never been late in this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-24 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: AMERICAN EXPRESS COMPANY
State: MO

Complaint narrative:
I paid American Express credit card in full XX/XX/XXXX. Amount {$3000.00}. Due date was XXXX XXXX. It was paid by XXXX XXXX. In XXXX XXXX they sent me a statement for additional interest for {$44.00}. Now, due to penalties and interest it is up to, I think {$280.00}. Their policy states that if it is paid in full by the due date, no additional interest will be charged. I contacted Amex XX/XX/XXXX, disputed the charge and closed the account and cut up the card. They closed the online account and I can no longer view statements. I sent them 2 letters and had 2 or 3 additional phone conversations. I also filed a dispute with the 3 reporting agencies .... to no avail. I had the account for over 7 years and was never delinquent once. They do not explain their inconsistencies and continue to send me emails or letters with inconsistent information. I paid off 13 credit cards in XX/XX/XXXX and American express is the only one to do this. ( I typed my phone number in wrong. It should be XXXX. My cell is XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: IN

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-24 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: IN

Complaint narrative:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts. 
See the documents attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-24 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: MD

Complaint narrative:
This is not even licensed in my state to collect anything at all. I will be contacting the AG of their state as well as mine. 

Pursuant to 15 USC 1692 ( c ) ( 2 ) - I am involking my specified remedy as a consumer and the original creditor I am demanding all of the following : XXXX out the balance on this account Pay the attached invoice and compensate me for every violation labeled in the attached exhibits.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-24 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: FL

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-24 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: Lendmark Financial Services
State: OH

Complaint narrative:
I kept seeing late payments being reported by lendmark financial but you couldn't see the late payments they were reporting the past old derogatory remarks section I finally found them last week and from XX/XX/XXXX to XX/XX/XXXX they reported 40 late payments and we disputed it 2x already they refused to fix them then last week we disputed it for the 3rs time and then instead of fixing it they report 20 more weeks of late payments the account has been closed for over 1 1/2 years it's a local office worker names XXXX XXXX he is purposely reporting the late payments knowing I'm in business and this has crossed the line esp now the reports need to be removed after this little stunt I just lost my SBA loan over this action my credit just dropped nearly 100 pints and I want something done or I will take a personal approach and make a physical interaction over this issue it's an attack on my personal well being and it's a cowardly attack on me and my life and now it just turned beyond personal and today something is being done about this this doesn't just effect me it's effect my community especially knowing I am working on developing a rural community growth and development company and this just drove it in the ground and at this point I only see one option and it's an attack on this local office me and them and I have to follow through with this it's been happening long enough this was discussed last week it was supposed to be fixed and they were still reporting it as an open account I am done like I said I have nothing to lose at this point and this is why there are shoot outs in rural America/ the Urban jungles. XXXX piece of XXXX like this guy personally attacking hood honest people because he was caught working with a local dealership giving out predatory loans and taking side money and this is his retaliation back XXXX no not anymore he will pay the price on lead weight that he adds on you can rest assure that. I want legal actions brought against this company and I want this man XXXX in the stress no doubt. He won't make it this far.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
Ally bank was supposed to credit {$500.00} bonus cash on or before XX/XX/XXXX to one of my existing accounts after new money was brought in to open an account by XX/XX/XXXX and keep the new money until XX/XX/XXXX. 

This never happened despite many phone calls questioning when I will receive the {$500.00} bonus cash. Allys response was that there is no time frame when this cash offers will be credited to my account. A case number XXXX has been created.

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 2023-07-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: OH

Complaint narrative:
I am having an issue with US Bank. I recently received my escrow analysis for the upcoming year XXXX. When looking at it I noticed that my projected amount for my insurance said {$1000.00} but in the actual column said {$0.00} but the future projected was {$1300.00} so I called and spoke to a representative after about XXXX minutes she came back on and said something to the effect of there was a payment made but we can only see it on our end. When I look down at all the payments in the past I dont see anywhere on that it says insurance I see county taxes and mortgage Insurance but not that. Again she just stated she can only see it on her end. I have a shortage amount of {$570.00} so they told me I have until XXXX to pay that off if I did not want it added to my mortgage payment so I had the representative on the phone and she told me where to pay it I did. I paid {$100.00} that was on a Saturday XX/XX/XXXX I looked on Monday XX/XX/XXXX at my account on Saturday I could see my Shortage amount but it was gone now and my payment does not say toward escrow it say toward Mortgage. When I called and asked why I could no longer see the Shortage amount and why my payment was not applied to my escrow shortage she replied that some wires got crossed but she would notify someone and have this fixed. She also could not give me a real reason why I could no longer see my shortage amount online anymore just that I could only see it on my escrow account analysis. I stated that I would like and should be able to see every payment that I make and where it is applied. She stated again they can see it on their end and just not mine. I asked was their someone else I could talk to about this issue and she stated no just the customer service representatives. I dont feel comfortable about this situation because this is my payment and my money I should be able to see where it is going not just take their word.

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 2023-07-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
I have recieved some correspondence from SPS Servicing in response to a complaint filed. 

Please may I know where the origin of this blue Document is located? I would appreciate if there can be some other way of communicating and distributing the communication options.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: UPGRADE, INC.
State: NY

Complaint narrative:
On XX/XX/2023 I made a payment of {$6100.00} to be applied to a balance of {$8400.00}. Approximately 2 weeks later Upgrade XXXX lowered my credit limit to {$2300.00} without an in detail notice - just a very vague email. I have always paid on time except for back in XXXX when my payment was 6 days late. This happened due to a family emergency and my mom being hospitalized. I contacted them and went on their hardship program for 3 months and made the hardship payment on time every month for 3 months. While on the hardship program my account was suspended which I was aware of. After finishing the hardship program at the end of XXXX, Upgrade reviewed my account and gave me back my full line of credit to use. My point is is that they should have lowered the credit limit then- at the end of my hardship program when they reviewed my. Not after I paid them a huge payment of {$6100.00} over a month later. That is indirectly stealing a consumers hard earned money. I am asking for {$4000.00} of that money back or pay the current balance of {$2300.00} and receive the remaining amount back. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from 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 2023-07-24 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: AMERICAN EXPRESS COMPANY
State: HI

Complaint narrative:
I want to dispute several charges. I call the main line and talked with XXXX on XX/XX/2023. She said she would transfer me to the dispute department. I was on hold for more than 10 minutes. I hung up and spoke with XXXX. He also did not transfer me to the dispute department. I asked him for the phone number and/or address for the department so I can send in my disputes by letter, he said he doesn't know that information. 
I then asked for his supervisor, he said the supervisor is busy and would call me back. He did not specify a time when the supervisor would call me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: NY

Complaint narrative:
I filed a dispute with Chime on XX/XX/2023 regarding an unauthorized transaction. Chime responded on the same day, stating that no error occurred. The institution completed their investigation and did not take a full 24 hours to address my concerns and accommodate me regarding this unauthorized transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 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: Consumer Adjustment Company Incorporated
State: IL

Complaint narrative:
I am in good standing with my credit card company XXXX XXXX XXXX and as of now am current with my payments. On XX/XX/2023, my credit dropped and noticed there was a collection account with consumer adj co for {$510.00} on my credit report for XXXX XXXX XXXX. I called my credit card company they said they never placed a collection on me because my account is in good standing. On XX/XX/XXXX I disputed with XXXX XXXX for fraud and they did nothing they finished investigating by XX/XX/XXXX and nothing was done. My credit rating has suffered due to unexplained and suspicious collection account which hurting my credit rating. I want this account removed since XXXX XXXX is not doing there job or even can not or don't know what is fraud. I can not find a phone number with the collection account consumer Adj co but only have this address Consumer ADJ Co XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mo XXXX. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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 an 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 non-monetary relief
Consumer complaint received 2023-07-24 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: TX

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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 an 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 response to consumer: Closed with non-monetary relief