vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
On XX/XX/XXXX I disputed a transaction from XXXX in the amount of {$100.00}. This has been the second month XXXX had taken money out of my account without my authorization. On XX/XX/XXXX I disputed a second charge with XXXX in the amount of {$81.00}. I put a complete block on XXXX. I made both disputes by telephone and was told by Bank of America that I would receive a temporary credit for both. I had obviously contacted the merchant regarding this and there have been ongoing complaints. BofA credited the {$81.00} but failed to credit the {$100.00}. I called numerous times to explain that I have a XXXX child, and I have to budget. 
XXXX located the transaction of {$81.00} and they refunded it. Upon them refunding it, I callled BofA to tell them this and to cancel that claim. They had put the claims together. on XXXX, BofA took back their temp credit of {$81.00}. I was still yet to receive the {$100.00} and had to escalate it several times. On XX/XX/XXXX, they finally gave the {$100.00} but i noticed that they had taken {$81.00} again. Upon calling them and waiting almost an hour on hold, I had to endure an advisor who couldn't grasp the concept that the temporary credit had been debited from my account twice. She tried to say that the claim had been reduced because the merchant credited the account. That does not justify why BofA took a credit that they provided of {$81.00} back twice. They did not provide me with two credits and the merchant credited it because it should not have been taken in the first place. She seemed to be confused and not know the difference between a merchant credit ( of money that shouldn't have been taken in the first place ) Bank of America provided one temp credit of {$81.00} and debited that same amount twice. This has left me in severe financial hardship and they are telling me that I have to wait to get the money back that they took in error.

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 2022-07-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: AL

Complaint narrative:
On XX/XX/2022 Chime closed my account I had XXXX in my credit builder, XXXX in my checking account and XXXX in my savings account. I was never explained why my account was closed I went thru every term and I did not violate any of them. I finally received XXXX checks. One for.XXXX and the other for XXXX I went to multiple banks, pawn shops, XXXX XXXX check cashing centers even the bank the check was from XXXX  XXXX XXXX which I live in Alabama so it was a drive. No One will cash these checks I have been told there is something wrong with the account number and that they are just not cleared. I have been going back and forth with Chime since XXXX only via email because you can not speak to a live representative if you no longer have an account which means you can not verify a check over the phone ... after over a month and a half they finally say they will reprint the checks but I only receive one this time for XXXX and they tell me.im not eligible for the refund now because my credit builder account is $ XXXX but there was XXXX when they closed my account, otherwise it would not be overdrawn at this point... they already screwed me.out of what was in my savings and out of the one check they reprinted I STILL CAN NOT EVEN CASH THE NEW CHECK!! This was my tax refund that I had deposited and since they closed my account I've lost everything, my credit card bills are past due I'm about to be evicted, I no longer have access to a car it has taken so much from me and it's not right for ppl to get treated this way. After looking online I can see I'm not the first person to go thru this same exact situation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 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: SC

Complaint narrative:
The collection listed on my reports is totally incorrect. I signed up for a 90 day membership and only received 30 days of service, yet I'm being charged for the entire 90 days which is deceptive and not lawful. When I refused to pay, the company owner got angry and purposfully opened a collection against me even after I gave multiple attempts to come to a civil agreement which were all ignored. That being said, In accordance with the Fair Credit Reporting act XXXX Account # 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 a account without my written instructions

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 2022-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX account # XXXX has violated my rights. 
15 U.S.code 1681 section 602 A, A ( 4 ) states that I have a right to privacy.

Also 15 U.S.C 1681 section 604 A section 2. States a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
Venmo immediately froze my account requesting identification. I submitted. Account STILL frozen a week later. I've called, emailed, and chatted to no avail. I WANT MY MONEY!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
We just opened a mastercard through community bank. We made a few small purchases for gas and BJ 's warehouse and then used it for a catering service. I tried calling to pay for these purchases right away on XX/XX/XXXX. I could not access my account online or via phone. I was repeatedly disconnected after hearing an automated service each day I called. I was not able to access any part of their website. I continued to get " there's a glitch in our system '' responses. I wanted to make sure I knew our account balance and paid it in full ASAP. We do not like to carry any sort of balance and I just opened the card to have as an extra form of payment for an upcoming vacation. I was finally able to make an " XXXX XXXX '' payment on XX/XX/XXXX. My total balance was XXXX. I paid that amount. I received XXXX emails in a row stating that my payment was scheduled. It has not posted to my bank account yet. I also have XXXX new pending charges that I can not find any information on. I tried calling again this morning ( XX/XX/XXXX ) only to hear an automated voice tell me I have a XXXX balance and {$7.00} pending???? I can not find out what or where these charges came from and can not speak to a person. I am beyond frustrated and can not believe the poor communication on the end of Commenity Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
On XXXX of 2021 my student loans with XXXX  XXXX servicing were transferred to cornerstone lending. I then refinanced them with XXXX. The account still shows as open on my Equifax credit report. Both XXXX and XXXX have updated my credit report to show the accounts as paid and closed. Unfortunately Equifax refuses to do so. I have submitted multiple requests to them to update my credit report and they continue to deny the request. I have included a letter from XXXX servicing showing the accounts have been paid in full and are closed with a {$0.00} balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: NAVY FEDERAL CREDIT UNION
State: LA

Complaint narrative:
I called about get information on how there car loan program works sounded good applied only for that I was denied the loan told that I qualified for XXXX secure loan. I was assured no money would be on HOLD. BUT 24 hour hold on funds TO MOVE TO A SAVING ACCOUNT AND WOULD BECOME AVAILABLE ONCE THE FUNDS IS IN MY ACCOUNT LONG STORY SHORT THE REPRESENTATIVE MISLEAD ME AND SEVERAL OTHERS UNTIL IT WAS TO LATE

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: WI

Complaint narrative:
I paid off a collection and was told it would be removed and it was just updated and still on my credit. It is not effecting my trust score..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Saturday XX/XX/2022 I deposited a check from XXXX retirement for {$2300.00} and none of it was made available same day nor was it available the following business day XX/XX/XXXX. I spoke with a few people whose names I don't recall. I spoke with two agents on Saturday XX/XX/XXXX by phone at around XXXX then I spoke to someone named XXXX on Bank of America 's chat help via XXXX.The phone agents first advised me the money would be available the following business day then I asked about the timframe that I got from the automated system when I called in which informed me the money would be available on XX/XX/XXXX. The agent then confirmed that was correct. So it seems Bank of America doesn't have a clear timeline and is holding my money unnecessarily for an excessive amount of time when I have things that have to be paid now! The check is from my retirement funds so obviously it's needed now! Withholding my funds has caused my bank account to go negative and I have XXXX money for anything else.As of this morning Bank of America 's virtual assistant shows the funds will be available on XX/XX/XXXX. If I had taken the check to XXXX to cash it I would have had the money in my hands the same day. This is a ridiculous process and a complete abuse of power by banks. 

Make my money available yesterday! and waive any overdraft that occurred due to this excessive hold.

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 2022-07-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: PENTAGON FEDERAL CREDIT UNION
State: AR

Complaint narrative:
wanting to be charged for credit card billing statement.

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 2022-07-05 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Abra
State: CA

Complaint narrative:
The company is a scam. They promised {$40.00} for deposit and referral but only paid me {$20.00} in some insolvent company owned crypto which they will not cash out for at least the rest of XXXX ( most likely ever ). There is nothing in the legal terms and conditions that says the {$40.00} awarded will be in an insolvent worthless asset that can't be withdrawn. I called and spoke with 3 agents and they all refused to answer any other questions as to who is regulating their company and where my missing {$20.00} is. ( Also the {$20.00} was awarded today and was exactly XXXX XXXX so it wasnt some crypto devaluation that devalued after I received it ). 1 ) The XXXX were never pending. They were not pending and not showing until I called in today and then they were credited to my account today 2 ) Pending isn't " awarded ''. No where in the terms of my signup date XX/XX/XXXX does it allow for you to arbitrarily set a date for the valuation and then have them unavailable. 3 ) If the XXXX isn't available then it's not been awarded. It wasn't available until today 4 ) Nowhere in the terms does it say this " reward '' will be a worthless piece of garbage that isn't convertible or withdrawable, which I've just discovered is the case. Most importantly, if the XXXX is untradeable and unwithdrawable, then by definition is it WORTHLESS. The company is arbitrarily assigning a value to its own insolvent asset. I hope someone files a class action lawsuit against this scammy company or a government regulator steps in and closes the company down for being a fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I had an XXXX  XXXX XXXX XXXX card with XXXX Bank for five years. The account was set up to make the minimum payment automatically if I didn't schedule a payment myself. At some point in the last few months the account was sold to Comentiy Capital Bank. I did not receive any info regarding this or a new card. I checked my credit report last week and found that this account is now two months past due. After some research I found out about the sale of my account and contacted Comenity. Until this issue with Comenity I had 100 % perfect payment status on all credit bureaus. Comenity was unwilling to fix this situation. I do not have a card from them or access to manage the account. I was never told that my auto payments would be cancelled and that I would have to set them up anew. I have no issue with paying my bills.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: GOLDMAN SACHS BANK USA
State: LA

Complaint narrative:
My phone was stolen on XX/XX/XXXX. XX/XX/XXXX my XXXX account was hacked. I started receiving alerts from XXXX, XXXX XXXX and XXXX all of which I closed down. On Friday XX/XX/XXXX an apple credit card was delivered to my XXXX XXXX address linked to my apple account. I called Goldman Sachs the card issuer immediately. They stated an apple credit card had been opened with a limit of {$8000.00} and already maxed out. The card started being used immediately after opening by digital card- first Attempt XX/XX/27 {$5000.00} at XXXX XXXX declined. 2nd attempt of {$5000.00} successful. XXXX XXXX {$520.00} successful, XXXX {$500.00} successful. XXXX XXXXXXXX XXXX, Im assuming gas, {$75.00} successful ; XXXX  {$53.00} Declined, second attempt successful ; XXXX XXXX {$9.00} successful, followed by 3 declined {$25.00}, XXXX XXXX XXXX.00} successful; XXXX XXXX XXXX {$49.00}. They attempted to make a payment of {$5000.00} from my checking and routing account however it was denied because of insufficient funds. I learned of them attempting this by contacting my bank so I shut down this account and opened a new checking. XXXXXXXX XXXX- {$100.00} XXXX XXXX XXXX XXXX {$290.00} successful ; XXXX XXXX XXXX {$1300.00} successful ; attempted payment from my checking account {$1000.00} declined, XXXX {$76.00} declined, attempted payment from checking of {$5000.00} combined. I froze the card on XX/XX/XXXX when The physical card was delivered making me aware of the activity. When I was able to access my XXXX account on XXXX I was able to see all transactions with physical locations and amounts. I also saw multiple screenshots of my personal information from various different places on my XXXX pictures, files, links from emails. Pictures included copies of Drivers license of my mom and self, tax returns for my parents and myself including social security numbers, temporary car insurance card, moms previous debit card numbers, my XXXX login information, my Texas voting card application, my current and previous lease application, a copy of my social security card, and XXXX XXXXoan tax forms. The cards balance is {$8000.00}. The opening and application of this card and all charges placed are the result of fraud and not done by myself.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-05 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: EQUIFAX, 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 XXXX has me at a score around XXXX. 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 response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
On XX/XX/2022 a public record ( bankruptcy ) was removed from my account. I have provided proof on many occasions as well as providing support to assure the information. regardless of how much evidence I provide the companies refuse to remove resulting in defamation of character. Making my life more difficult because the people who rely on my accurate credit report are receiving inaccurate and untrue information. My consumer rights are blatantly being violated and they are getting away with it.

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 2022-07-05 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act XX/XX/XXXX Account # 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 a account without my written instructions

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 2022-07-05 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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 a account without my written instructions

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