vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX Comenity collection department collected {$66.00} as a payment to take the balance to {$0.00}. 

On XX/XX/XXXX Comenity collection department send me a bill with a balance of {$110.00} due on XX/XX/XXXX I called to dispute this new amount and they told me that a manager can override any previous agreement made with any agent and that they would not take that off my balance. I told them that the agent had spoken to a manager, and they agreed to take off all the other charges to listen to the recorded conversation we had. They said they do not keep recorded messages and they do not have transcript of the conversations. 

The original amount is {$20.00} for a yearly membership fee that was never used so I forgot about it and did not cancel. Those {$20.00} grew fees on top of fees. 

They did not want to come to an agreement, nor did I know about my rights stated in 15 US code 1692, under section C. They did not go to the right channels and process to collect my money and once again to avoid more fees I ended paying them the {$110.00} on XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I used a XXXX interest balance transfer on my Chase card. They applied my entire payment to the 0 % balance and as a result I incurred interest fees. I have done balance transfers on other cards and they apply payments to the highest interest rate balances first.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-03 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:
XXXX XXXX XXXX : XXXX The account you are reporting. Is a Repossession. Is a CLOSED account. 

The Reporting of Late Payments after a repossession has occurred.

This is a factual error.

The reporting of late payments after a repossession has occurred ; Defaulting on payments on this account is inaccurate.

This account has been identified as a repossession. This vehicle is no longer in my possession. It would be impossible for me to default on payments after the fact.

Discrepancies like this are unacceptable ; I have the right to an accurate credit report.

And this is unacceptable.

Please remove this account from my credit report. As soon as possible. Thank you.

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 2023-02-03 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: WI

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
XX/XX/XXXX I opened a TD Convenience Checking account. The offer said exactly. All you need to do is open a new TD Bank Convenience Checking and set up direct deposit totaling {$500.00} or more monthly into your account within 60 days upon account opening. Once the offer criteria are met, the {$200.00} bonus will be credited into the new personal checking account no later than 95 days from account opening. I complied exactly and XXXX XXXX at TD bank in XXXX XXXX agree all details were met. Balance was maintained, direct deposit was made in time, etc. He also tells me I qualify but I need to wait 188 days. My offer said 95 days. I printed out the offer page. Sent several emails through my account only for them to respond with another offer, had no idea what I was trying to say. Called the customer service number several times no help said they would send it up, no reply. Stopped in TD Bank in XXXX XXXX NJ XX/XX/XXXX and did a follow up call a day later he just says 188 have to wait possibly. Again, the offer said 95 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
Date of Original Venmo transfer : XX/XX/XXXX : My dad Venmo'ed me {$750.00} to help me pay for a flight to visit him. When it came to my account, it was marked as " goods and services '' and asked for my Tax ID. I immediately reached out to Venmo to correct this error. We were told by Venmo there was an issue with the algorithm, and that they would reverse the payment because this was not supposed to be marked as " goods and services. '' XX/XX/XXXX : I receive a 1099K from Venmo listing the {$750.00} ( this had been reversed ). I reach out to Venmo to see why they had given me this form. The first person I spoke to told me not to worry about it. When I asked for an email confirmation that I don't need to worry about it, she emailed with unrelated information. I called again, and got the response ( attached in supporting documents ) saying that I should not have been sent the 1099K, and they were working to correct it. They said they had never seen this happen before so they sent the case to engineering to see what had happened. The second attachment shows another transcript with Venmo explaining the engineering issue. I spoke to several other customer service representatives who all told me different things about the case, which was very confusing. Finally the engineering team determines that it was my dad 's fault, and that he must have accidentally pressed this option ( contrary to other venmo team members prior saying that there was a mistake with the algorithm ) and that I would have to speak to a tax specialist ( on my own dollar ), and that they refused to amend/correct the 1099K. When I said that I can not afford a tax specialist, and asked if they would reimburse for the charges that correcting this mistake would cost, they refused. Venmo admitted fault in the first two exchanges, in XX/XX/XXXX and Tuesday XX/XX/XXXX, and then when it became more problematic to resolve they switched the blame on myself and my dad, causing us to have to pay to get it fixed by a tax specialist.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This credit bureau is reporting false information about me

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 2023-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Halsted Financial Services, LLC.
State: CA

Complaint narrative:
Harassing text messages and phone calls from a debt collector that I do not owe I get a text message from them everyday

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I sent you a letter last XX/XX/2023 but I haven't got any response from you and according to the FCRA you are required to response within 30 days.

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 2023-02-03 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: GA

Complaint narrative:
I did not authorized the companies listed in the photo to view 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 2023-02-03 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: CA

Complaint narrative:
I am writing to file a complaint against Transunion, regarding their misleading reporting of the following accounts on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Their reporting is inaccurate and negatively impacting my credit standing, in violation of the Fair Credit Reporting Act ( FCRA ). And although I have previously sent in a complaint, instead of investigating these matters they continue to furnish inaccurate data. 
According to the Internal Revenue Service ( IRS ), a charged-off debt is considered taxable income. However, Transunion has reported accounts as a " loss, '' which is often seen as an indication that income was received from the charged-off debt. This is very misleading because I do not understand the nuances of the credit reporting system. 
The FCRA requires that credit reporting agencies furnish consumers with accurate and complete information in their credit reports. The reporting of these accounts as a " loss '' by the Transunion is not only misleading, but it is also in violation of this requirement of the FCRA.

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 2023-02-03 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 XXXXXXXX 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 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 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 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 non-monetary relief
Consumer complaint received 2023-02-03 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 XXXXXXXX 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 In accordance with the Fair Credit Reporting act 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 a account without my written instructions In accordance with the Fair Credit Reporting act 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 a account without my written instructions In accordance with the Fair Credit Reporting act 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On or between XX/XX/XXXX and XX/XX/XXXX the account ( XXXX XXXX XXXX was deleted from my XXXX credit profile because it had inaccuracies and could not be verified. 

I recently revied my Experian credit profile and notice that on XX/XX/XXXX { XXXX XXXX XXXX } has reported this account without a 5 day notice. { XXXX XXXX XXXX and Experian } both have violated my consumer rights once again according to 15 U.S. Code 1681i - Procedure in case of disputed accuracy witch states below that they are in violation.

( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.

( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

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 2023-02-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Macy 's opened a second credit account in my wife 's name without her consent. We already have an original credit card in her name which we received and accounted for many years ago. Both cards were issued by an entity called Department Stores National Bank. We only learned that there were two different credit card accounts because we received a telephone call for non-payment of a bill when we had paid the bill on the original account. Apparently they shipped her a card for the new account making it seem like she had received an " award '' for her prior shopping. In this manner they were able to collect interest for an overdue payment. On the back of the new card there is, in very fine print, a statement that says, " By use of this card, you agree to all the terms and conditions in effect at the time of use. '' To be clear, we never authorized the opening of a second credit account and consider this action to amount to a fraud. Upon contact from Macy 's on XX/XX/2023, we immediately cancelled the second 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 monetary relief
Consumer complaint received 2023-02-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY
State: AZ

Complaint narrative:
I've spoken to the debtor and they stated I owed them {$21000.00} billing to an address I never lived. I've ask for the original contract with my personal information and signature, yet to receive anything which proves the account is mine. 

I've disputed the account with XXXX and was told to prove the account was mine and I have yet to receive the original contract with my personal information and signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
XX/XX/2023 I tried to register for an account with XXXX XXXX online. I was unable to as someone else, who is not me, nor did they have my permission to, created an account. The fraudulent email used was XXXX. I filed a police report for identity theft, XXXX. I have been experiencing Identity theft for 10 years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This credit bureau is reporting false information on my behalf

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/23, early morning, I activated my EDD card of my account in Bank of America sothat I would go to the bank and withdraw my money that day. By XXXX I was in the bank and when I tried to with draw the money, the teller told me that someone had already with drew {$5000.00} from my account that very morning in XXXX transactions ; XXXX {$4500.00} and later {$500.00}, and my card had also been blocked. Immediately, i called bank of America to ask them about who had withdrawn my money and what I needed to do next. 
They told me that a claim has been put in for my stolen money and that I should give them XXXXdays to work on it. At that time my account was only remaining with {$2900.00}, so I asked them whether I should with draw that balance that very day and they told me that I should wait to receive a new card because the one I had, had been blocked. In XXXXweeks, I called the bank again to know about my claim, the person I talked to said she couldn't tell me anything about my claim unless I go and call them again when am inside the bank. When I asked her why i had to call from the bank, she told me that because the bank has to request XXXX IDs from me to be sure am the real owner of the account I was calling about. The next day I went to the bank with my XXXX IDs and called again. They just told me to wait until XXXX days. Surprisingly, on XX/XX/2023 they sent me a letter, stating that their research confirmed it was me who authorized the withdraw of the {$5000.00} from my account and for that reason, they denied my claim. Its on that note that I write my claim here, seeking for justice of my {$5000.00} that was stolen from my account in Bank of America.

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 2023-02-03 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
In accordance with the fair credit reporting act this creditor, has violated my rights.

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
We in the process of contacting the credit bureaus to investigate the inquiries.

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 2023-02-03 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: U.S. BANCORP
State: IN

Complaint narrative:
We in the process of contacting the credit bureaus to investigate the inquiries.

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