vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
Had a BJs wholesale credit card through Comenity Bank, membership renewed automatically for BJa and card was charged. Was never notified that I was billed for the membership renewal on credit card, never sent a bill to house, called or emailed. Card racked interest on late payments that I was unaware was happening until it showed up on my credit check that it went delinquent. Called BJs and settled payment and closed account with them, no longer owe them money, case # XXXX on XX/XX/22. Comenity refuses to recognize this and is harassing me for money and still putting interest on account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I received a pre-approval offer on my Chase mobile banking app for the Sapphire Preferred Card in early XXXX of 2022. The offer included XXXX bonus points if I spent {$4000.00} within the first 3 months. I signed up for the card through the website and was approved. After exploring the rewards page, the offer I had received was now only XXXX bonus points instead of the XXXX bonus points as reflected on the offer I received on my account. I then contacted Chase Sapphire Preferred Customer Service and, after explaining the circumstances, I was told that if I spent {$4000.00} within the first 3 months and qualified for the offer of XXXX bonus points, I can call the customer service number again to file for an escalation for the XXXX other points that was encompassed, in full, through my original offer of XXXX bonus points. However, when I called back, I successfully processed the escalation and was sent an electronic letter about 10 days later and received notification that my escalation was denied - Your account isnt eligible for the offer you requested. I was misled by Chase Customer Service, to make a purchase of {$4000.00} and had not received the offer I was provided with. One of the reasons I signed up for the card was because of the XXXX bonus points I received when making a purchase of {$4000.00} within the first three months of accepting the offer and being approved. However, even after following the instructions from the customer service representatives I spoke to, I was advised I would receive the XXXX points that were missing from my account as I was only given XXXX bonus points. The customer service representatives also told me that there was no way to contact Card Member Services, who provided the letter I received, and that the Customer Representatives themselves dont even have any contact with them. Not even by mail, phone, email, or other methods of communication which were not possible. Because of this, I was informed that there was no way for them to provide further information or to get further assistance with my issue on my account. I was misled while also following the instructions provided to me by the Customer Service Representatives at the Chase Sapphire Preferred Card contact number

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 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: IN

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here.

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 2023-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I found addresses on my account that i have never lived at and addresses that I haven't lived at in over 10 years. I sent each XXXX, XXXX, and Trans Union letters asking them to remove the incorrect information. And to only show the correct information. They didn't. This is placing me at risk of identity theft. If my personal information is sent to one of those incorrect addresses. 
I also found that my name was missed spelled and missed used as also known as.

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 2023-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I found addresses on my account that i have never lived at and addresses that I haven't lived at in over 10 years. I sent each Experian, XXXX, and XXXX XXXX letters asking them to remove the incorrect information. And to only show the correct information. They didn't. This is placing me at risk of identity theft. If my personal information is sent to one of those incorrect addresses. 
I also found that my name was missed spelled and missed used as also known as.

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 2023-02-27 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CL Holdings LLC
State: FL

Complaint narrative:
5 years ago, I purchased a XXXX ridgeline with XXXX XXXX the loan was with XXXX XXXX acceptance for {$11000.00}. I've been making payments on the vehicle for about XXXX and when I asked how much I still owe them I was told {$11000.00}. The ended taking back the vehicle. They called and harassed me at various hours of the morning, so I blocked the number and now another company is calling me called Jefferson Capital Systems LLC saying I owe them money. Each time they've called me they have threated to take my property and take money from my account. They've sent letters to my house, having people knocking on my door, and scaring my kids. I have no idea what these might do next. They've been lying about serving me papers about having me in court. I've never seen anyone but my kids because I'm not home. I am in Georgia trying to setup a business and I can't focus because of this company. My wife has calls me a few times and she is also worried about these people. I don't know what to do so I researched what to do and filed a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc.
State: LA

Complaint narrative:
On XX/XX/23, I purchased several Blackhawk Network ( BHN XXXX XXXX XXXX XXXX  gift cards to use to purchase goods and services in stores. Since that date, I have been unable to use the cards because every time I use the card for the full value, the card gets declined.

It appears that BHN is imposing some sort of arbitrary limit on using the full value of the cards, paritcularly when ran as debit. i.e., if I use a card to run a transaction for {$480.00}, it seems to go through. However, if I run a transaction for the full {$500.00}, it declines. 

This situation has happened at multiple stores, including in-person and online. This situation has also happened to other individuals across the country, so it seems to be pervasive. 

I have previously purchased similar cards with no issues, even as recently as XX/XX/23. I commonly purchase these cards and am very familiar with their functionality. 

I am concerned that the actions taken by BHN to modify usage of these cards is against the terms of the card, is unethical, and is illegal. 

The total of all of the cards which I currently have is {$4000.00}, XXXX {$500.00} XXXX gift cards. 

On XX/XX/23, I spoke with XXXX ( front line ) and XXXX ( supervisor ) at the BHN XXXX customer service department. Both parties identified that there isn't, and should not be, any limitation on the usage of cards. 

BHN case # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
ordered a XXXX return pallet it never came made a complaint thru the bank and they said they spoke with the company and they gave them a tracking number but I ordered a large pallet their discription of the package was light it was supposed to be a whole pallet of XXXX electronic returns. I feel like if I make a complaint with my bank about fraudulent practices the company should not be able to make up false documents I was looking for pallet that never came I am home all the time

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Colorado XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several accounts that are currently appearing on my credit report. These accounts are as follows : XXXX XXXX XXXX, account number XXXX, which has been late payment. 
XXXX  XXXX, account number XXXX, which has been late payment. 
XXXX XXXX  XXXX, account number XXXX, which has been late payment. 
XXXX, account number XXXX, which has been late payment. 
XXXX  XXXX, account number XXXX, which has been late payment. 
XXXX XXXX XXXX, account number XXXX, which has been late payment. 
XXXX XXXX XXXX XXXX, account number XXXX, which has been collection. 
XXXX XXXX XXXX, account number XXXX, which has been collection. 
I believe that these accounts may contain errors or violations of federal law, including : Fair Credit Reporting Act ( FCRA ) Fair Debt Collection Practices Act ( FDCPA ) Fair and Accurate Credit Transactions Act ( FACTA ) Truth in Lending Act ( TILA ) Real Estate Settlement Procedures Act ( RESPA ) Equal Credit Opportunity Act ( ECOA ) Fair Credit Billing Act ( FCBA ) I am specifically concerned that your actions with respect to these accounts may have violated one or more of these laws. For example, the information on these accounts may not have been reported accurately, or the debt collection activity related to these accounts may not have been conducted in compliance with the FDCPA.

I am requesting that you take the following actions to address these issues : Correct any errors or inaccuracies in my credit report related to these accounts.

Cease any collection activity related to these accounts until the issues have been resolved.

Provide me with any documentation that supports your position on these accounts. 
Respond to this dispute in writing within 30 days, and include a detailed explanation of how you plan to address these issues. 
I take this matter very seriously, and I am prepared to take legal action if necessary to protect my rights under federal law. 
Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
If you look at several complaints that I have filed with your office concerning Equifax reporting incorrect information on my consumer credit report. I sent several copies of my driver 's license and a copy my current utility bill. Equifax is still reporting incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
Citi Bank offered a Savings bonus of {$450.00} when {$50000.00} was deposited within 20 days of opening the account and balance was maintained for 60 days from when the funds were deposited. I deposited {$50000.00} on XX/XX/XXXX and have maintained the Balance to this day, ( XX/XX/XXXX ). I contacted the bank 3 or 4 times in XXXX but did not keep records of contact until XXXX. Since the first part of the year I have been in contact with the bank no less than 6 times. XX/XX/XXXX was when I actually got a case number from XXXX who acknowledged I had meet the qualifications of the offer in a chat. Follow ups were made XX/XX/XXXX, XX/XX/XXXX, XXXX, ( talked with a supervisor ), XX/XX/XXXX, ( talked with XXXX who said she would forward to a manager ), and XX/XX/XXXX, ( talked with supervisor, XXXX. Each time I talked with someone I was told someone would get back to me with in 5 business days. Twice I was told they would get back to me within XXXX hours. I have yet to be contacted by anyone. This last time I called, XXXX, told me they have a backlog and I will just have to continue to wait. I've continually asked if there is another department I can contact and they always say no, we're it. It's been over a month since I was given a case number and 7 months since making my deposit. That seems like long enough for them to rectify this issue.

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 2023-02-27 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Colorado XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several accounts that are currently appearing on my credit report. These accounts are as follows : XXXX XXXX XXXX, account number XXXX, which has been late payment. 
XXXX  XXXX, account number XXXX, which has been late payment. 
XXXX XXXX XXXXXXXX, account number XXXX, which has been late payment. 
XXXX, account number XXXX, which has been late payment. 
XXXX  XXXX, account number XXXX, which has been late payment. 
XXXX XXXX XXXX, account number XXXX, which has been late payment. 
XXXX XXXX  XXXX XXXX, account number XXXX, which has been collection. 
XXXX XXXX XXXX, account number XXXX, which has been collection. 
I believe that these accounts may contain errors or violations of federal law, including : Fair Credit Reporting Act ( FCRA ) Fair Debt Collection Practices Act ( FDCPA ) Fair and Accurate Credit Transactions Act ( FACTA ) Truth in Lending Act ( TILA ) Real Estate Settlement Procedures Act ( RESPA ) Equal Credit Opportunity Act ( ECOA ) Fair Credit Billing Act ( FCBA ) I am specifically concerned that your actions with respect to these accounts may have violated one or more of these laws. For example, the information on these accounts may not have been reported accurately, or the debt collection activity related to these accounts may not have been conducted in compliance with the FDCPA.

I am requesting that you take the following actions to address these issues : Correct any errors or inaccuracies in my credit report related to these accounts.

Cease any collection activity related to these accounts until the issues have been resolved.

Provide me with any documentation that supports your position on these accounts.

Respond to this dispute in writing within 30 days, and include a detailed explanation of how you plan to address these issues.

I take this matter very seriously, and I am prepared to take legal action if necessary to protect my rights under federal law. 
Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-27 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Colorado XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several accounts that are currently appearing on my credit report. These accounts are as follows : XXXX XXXX XXXX, account number XXXX, which has been late payment. 
XXXX  XXXX, account number XXXX, which has been late payment. 
XXXXXXXX XXXX  XXXX, account number XXXX, which has been late payment. 
XXXX, account number XXXX, which has been late payment. 
XXXX  XXXX, account number XXXX, which has been late payment. 
XXXX XXXX XXXX account number XXXX, which has been late payment. 
XXXX XXXX  XXXX XXXX, account number XXXX, which has been collection. 
XXXX XXXX XXXX, account number XXXX, which has been collection. 
I believe that these accounts may contain errors or violations of federal law, including : Fair Credit Reporting Act ( FCRA ) Fair Debt Collection Practices Act ( FDCPA ) Fair and Accurate Credit Transactions Act ( FACTA ) Truth in Lending Act ( TILA ) Real Estate Settlement Procedures Act ( RESPA ) Equal Credit Opportunity Act ( ECOA ) Fair Credit Billing Act ( FCBA ) I am specifically concerned that your actions with respect to these accounts may have violated one or more of these laws. For example, the information on these accounts may not have been reported accurately, or the debt collection activity related to these accounts may not have been conducted in compliance with the FDCPA.

I am requesting that you take the following actions to address these issues : Correct any errors or inaccuracies in my credit report related to these accounts.

Cease any collection activity related to these accounts until the issues have been resolved.

Provide me with any documentation that supports your position on these accounts.

Respond to this dispute in writing within 30 days, and include a detailed explanation of how you plan to address these issues. 
I take this matter very seriously, and I am prepared to take legal action if necessary to protect my rights under federal law. 
Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
Under CFPB MY ACCOUNT WITH CAPITAL ONE IS CLOSED AND BY LAW THEY ARE NOT SUPPOSED TO CONTINUE SENDING FRAUDULENT REPORTS TO DAMAGE MY ACCOUNT. IVE CALLED AND CONFIRMED UNDER 15 USC 1681. ACCOUNT WAS CLOSED XX/XX/2022 AND REPORTS ARE STILL BEING REPORTED TO MY CREDIT ACCOUNT.ALSO, REPORTS ARE INACCURATE WITH MY STATEMENTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 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: Block, Inc.
State: MS

Complaint narrative:
I was awarded a refund {$36.00} on XX/XX/XXXX from XXXX on XX/XX/XXXX two refunds of {$7.00}, which left a remaining {$21.00} that i did not receive. After reaching out to XXXX multiple times it turns out the issue is actually with Cashapp. XXXX has released the refund multiple times but Cashapp is not letting it go through. I received an email this morning ( XX/XX/XXXX ) at XXXXXXXX XXXX saying that again XXXX released a refund and even manually did it. When i went to Cashapp my balance jumped to {$36.00} for a second then dropped back down to {$14.00}. I reached out to Cashapp support yesterday and today both times they acted as if the refund did not exist, even though they gave me partial refund from the same transaction, and when i provided proof that it does exist and that they still have not given me the rest with screenshots they then would say they told me all they could regarding the situation and leave the close the chat or hang up the phone on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 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: TX

Complaint narrative:
I am writing to request your assistance in removing unauthorized hard inquiries from my credit report. I have the right to privacy under the Fair Credit Reporting Act ( FCRA ) and my rights have been violated multiple times under various USC codes. According to USC 1681b, a credit reporting agency can only provide information to a party with a " legitimate business need '' for the information. However, in my case, I did not give any written permission to the credit reporting agencies, to furnish my accounts to any third party. Additionally, USC 1681g requires that a credit reporting agency must obtain written authorization before releasing any credit report to anyone. In my case, I did not give the credit reporting agencies written authorization to release my credit report to the parties who made these unauthorized hard inquiries. 

XXXX  XXXX ( XXXX  ), XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief