vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-31 00:00:00
Product: Credit 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: GA

Complaint narrative:
Ive been disputing a charge for merchandise that arrived damaged when shipped. The store I ordered from was unable to fix my account, or lied about trying to fix it and didn't bother, and the only other option they gave me was to start a credit card dispute. I submitted chat logs to AMEX proving this when opening the dispute and its clear they aren't looking at them. They messaged me some unrelated documentation that has nothing to do with the refused dispute and refuse to look at the documenation I provided. To make things even more frustrating, they will call at a weird time and than leave in comprehendible message asking for more information despite me providing it and than within XXXX minutes of making the call close the dispute without anytime to call them back. They're clearly make this impossible on purpose.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-31 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Google Compare Credit Cards Inc.
State: UT

Complaint narrative:
Google does not allow me to redeem my Google Play gift card purchased from XXXX XXXX. 

I provided my receipt and the details of the card. 

However, Google refuses to help with a generic template email : We have identified some inconsistencies with your account and the information you provided us. As a result, we are unable to help you redeem these gift cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 00:00:00
Product: Credit 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
This is a follow up from complaint number ( XXXX ) on the charge of my Bank of America for {$5400.00}. My partner and I were ready to depart from a XXXX on XX/XX/23 from XXXX, XXXX. He had a XXXX on the ship, sent to ship infirmary for medical treatment and then we disembarked the ship to a hospital where he underwent XXXX XXXX for a brain bleed. On XX/XX/23 the merchant charged my card for {$5400.00}. I contacted the credit card company and disputed the charges ( lost XXXX times ) as I never received a statement of the charges. On the ship I used my card for incidentals ( other purchases ) but was not expecting a medical problem and to charge my card for my partner 's medical expenses. We have travel insurance and could get this reimbursed but they are asking for a copy of the medical report and itemized bill. The merchant told me only recently that they sent this information to my partner 's email and due to XXXX can provide it to me. My partner is unable to make his own decisions now and can not access his own email to access the information. I believe this is unfair to me considering I am already traumatized and now financially being charged this amount with interest. 
Since this claim was made, I received contact from XXXX from Bank of America on XX/XX/23 ( XXXX ) stating XXXX a representative would be calling me to resolve this disupute. She contacted me ( XXXX ) and explained the situation. She stated for me to provide her a copy of bill paid from XXXX XXXX XXXX and in addition to the rejection of dispute letters from Bank of America. I was informed to send this information by email to XXXX. I attempted to send the information but it was rejected coming back as undeliverable. I contacted Bank of America directly through both there chat line and on the phone but they provided the exact same email address. When I said that it could not be sent they hade no other suggestion. I sent the information through fax on XX/XX/23 and it was accepted. Upon receiving this information I was infomred by XXXX that the charges would be removed until this can be settled. I have been unable to reach XXXX despite making frequent calls to call me back. Since than I am at a roadblock.

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 2023-10-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Synovus Bank
State: WV

Complaint narrative:
Re : Cease and Desist Letter Pursuant to 15 USC Dear First Progress I am writing this letter to formally demand that you cease and desist from any further activities or actions that involve my name, signature, or personal information in connection with any contracts or agreements, in accordance with 15 USC, Title 15, Chapter 41, Subchapter I - Consumer Credit Protection. I am exercising my rights under 15 USC 1602, which defines my Social Security Number as the source of credit used in transactions, thereby making it the basis for any financial agreements entered into. 

It has come to my attention that my signature has been utilized without my knowledge or consent in various contracts and agreements. Furthermore, I have reason to believe that these actions are related to unauthorized use of a credit card, which is prohibited by 15 USC. This serves as formal notice that I am rescinding my signature from all contracts associated with these fraudulent activities.

I would like to emphasize that under 15 USC, the credit card referenced is intended for personal use and is not associated with any credit lending or loaning activities. Any representations made to the contrary are inaccurate and, as such, violate my rights and protections under federal law.
I hereby request that you : 1. Cease any further use of my signature, personal information, or Social Security Number in any contracts, agreements, or transactions.

2. Immediately provide me with any and all documentation, records, or evidence related to the contracts or agreements in question.

3. Confirm in writing, within 10 days of receiving this letter, that you have ceased the unauthorized use of my personal information and have taken appropriate steps to remedy this situation.

4. Return to me all monies paid into or reported on my credit report under 15 U.S. Code 1635 ( b ) within the 20 days specified by law.

Failure to comply with this cease and desist letter will leave me with no option but to pursue legal remedies available to me under the law, including but not limited to seeking injunctive relief and damages. 

This letter is not intended to be a complete or exhaustive statement of my rights, remedies, claims, or defenses. I expressly reserve all rights and remedies available to me under the law. 

I expect your immediate attention to this matter. Please consider this letter as a final opportunity to resolve this issue amicably and without further legal action. If I do not receive a satisfactory response within the stipulated time frame, I will have no choice but to seek legal redress in accordance with applicable laws and regulations. 

Sincerely, All Rights reserved XXXX XXXX XXXX XXXX estate Signature on file

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Shows a lot of inquires around 34 and my credit is low because of that and i cant purchase my house and also a TD BANK ACCOUNT IS THERE I NEVER OPEN

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
PLEASE DISREGARD THE PREVIOUS COMPLAINT. 


I am writing this letter in regards to the fraudulent inquiries on my credit report. These inquiries are all fraudulent and I need these list of inquiries removed from my credit report. Here are the inquiries listed below. I have also attached a FTC report as requested. 
Credit Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2023-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am currently disputing inaccuracies on my credit reports with XXXX, Experian, and XXXX so I dont understand how I received a notification for a hard inquiry this morning when all 3 of my reports is supposed to be froze.

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 2023-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Chase credit had inquire of my credit report. I didn't apply for any new loans or cards. I haven't dealt with chase credit card for years. Look like someone has got ta ahold of my social and trying to take out a chase credit card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-31 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
So my account has a large amount of money in it and Synchrony bank has restricted my account due to lack of proof of address and identity. I have sent proof of my drivers license, electricity bill, and letters of proof, via email, mail, and their website. They claim they have not received anything and are not unrestricting my account and holding my money hostage. I have also asked to talk to supervisors and they put me on hold and then the phone gets hung up.

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 2023-10-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Commercial Services, Inc
State: PA

Complaint narrative:
This debt collector did NOT confirm that NATIONAL COMMERCIAL SERVICES CALIFORNIA XXXX XXXX is a debt collector for you are now in violation of the Fair Debt Collections Practices Act by not disclosing in your initial written letter that you are a debt collector collecting on a debt and that any information obtained will be used for that purpose ( 15 USC 1692e ( 11 ) ). Congress has made it known in the Fair Debt Collection Practices Act ( 15 USC 1692 ) that there is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors including you, NATIONAL COMMERCIAL SERVICES CALIFORNIA XXXX XXXX who has decided to infringe on my personal privacy to communicate with I, the consumer, without my prior consent pursuant to XXXX XXXXSC 1692c ( a ). Proof of violations of the Fair Debt Collections Practices Act attached labeled as Exhibit A.

Pursuant to 15 USC 1692a ( 3 ), I am the consumer because I am the natural person allegedly obligated to pay any debt.

Pursuant to 15 USC 1692a ( 6 ), NATIONAL COMMERCIAL SERVICES CALIFORNIA COLLECTION AGENCY, is a debt collector because you use interstate commerce or the mails for the purpose of collection of any debt. 
Due to NATIONAL COMMERCIAL SERVICES CALIFORNIA XXXX XXXX fraudulent actions, this constitutes as aggravated identity theft for knowingly, possessing and using, without lawful authority my identification with intent to commit unlawful activity which is a direct violation of Federal Law and felony pursuant to XXXX8 USC 1028 ( a ) ( 3 ) and 18 USC 1028A ( a ).

Pursuant to 15 USC 1692c ( c ), I am notifying you, NATIONAL COMMERCIAL SERVICES CALIFORNIA COLLECTION AGENCY, in writing that I, consumer, refuse to pay this alleged debt, and I am demanding that you Cease and Desist all forms of communication with me through all mediums, ie ; email, text messages, phone calls, consumer reporting agency or any other forms of instrumentality of interstate commerce or mails permanently. 
Pursuant to 15 USC 1692k any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of {$1000.00} per violation and you are in violation of XXXX Federal Laws which equal to the sum of {$10000.00}. NATIONAL COMMERCIAL SERVICES CALIFORNIA XXXX XXXX did not confirm they are a debt collector and have failed to comply with the Fair Debt Collections Practice Act ( 15 USC 1692 ) may be held not only civilly but criminally liable for any actual damage sustained in your attempt to extort me if you violate this CEASE AND DESIST!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have a bank of America Credit card. I pay my credit card balance 3 days before the due date and the XXXX score displays delinquent payment thus they lowered my credit and XXXX score. I can prove my credit card was paid on time by submitting bank statements. They do this to only people of XXXX. I am being discriminated by bank of America refusing to report correct credit usage information and raise the credit score. I have no open loans on my credit, everything is paid off.

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 2023-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
i am victim of identity theft with XXXX XXXX breach, i have filled out forms with FBI XXXX and I have included those documents to support I have to clear out all of these inquiries with these companies these inquiries are unauthorized and I demand them to be deleted and erased ASAP as they are violation unauthorized and unlawful violation to consumer rights

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 2023-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: WV

Complaint narrative:
On XX/XX/23 my insurance was submitted to my account. ( This account is used only for insurance and I make the deposit monthly to cover these charges AND a maintenance fee. ) On XX/XX/23 I transferred the money from my joint account ( used for business ) and my account showed a positive balance. 
XXXX days later I received a notice from truist that my account was in arrears due to nsf for more than 10 days. I accessed my mobile bank app and my account is {$76.00} which is XXXX {$36.00} overdraft fee for my car insurance and a {$36.00} overdraft fee for my homeowners- which both come out the same day ; and the {$5.00} maintenance fee. 
I called the bank as I have opted out of the overdraft protection, and this issue occurred once before and representative was instructed to return these charges if the funds are not available - and they did so once and have now paid the charges and assessed me overdrafts on my account. 
When I called they refused to correct the error -and stated their policy allows them to pay these at their discretion and apply the overdraft fees as a result. The representative also stated that money transfers can take up to XXXX day to complete - even though my account says clearly the funds are available instantly and my account had a positive balance when my transfer was complete. 
I have XXXX accounts with truist, this account will remain in arrears as I will not pay for their mistake. Truist has also implemented a fee on mobile deposits of {$11.00} to access your deposit immediately. Therefore, the joint account will be the next to close. 
Please help me resolve this issue. If the overdraft protection is off it should be off for everything and not for truist to do as they wish when they choose to.

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 2023-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I opened TD bank checking account together with saving account on their bonus page back in XXXX. New checking customers Earn {$400.00} when you open a new TD Beyond Checking account. 

Earn {$400.00} when you have {$2500.00} in qualifying direct deposits in 60 days. Pay no ATM fees when you maintain a minimum daily balance, earn interest and waive the minimum balance fee in three ways, including direct deposits. 

There was a {$400.00} checking account and {$200.00} savings account bonus. But I only received the {$200.00} for the savings account. When I called earlier, they said they will credit me the bonus on or before 180 days for sure. I have completed the direct deposits within the required time. They said the bonus will be credited to my account with in 180 days, but now it is way over 180 days and I still didn't see the bonus. After conversion with them, they said this is not a public offer and won't give me the bonus. But I indeed opened both account through their welcome page and it was a public offer for sure back then.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Dear Sir/Madam : I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX. The XXXX XXXX XXXX is incorrect. 
XXXX XXXX Account Number : XXXX Please update payment status to current. 

XXXX. The XXXX XXXX XXXX is incorrect. 
XXXX XXXX  Account Number : XXXX Please update payment status to current. 

XXXX. Identity Theft XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX  Account Number : XXXX Please remove it from my credit report. 


Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. 

Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX months. 

Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Dear Sir/Madam : I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX. The XXXX XXXX XXXX is incorrect. 
XXXX XXXX Account Number : XXXX Please update payment status to current. 

XXXX. The XXXX XXXX XXXX is incorrect. 
XXXX XXXX Account Number : XXXX Please update payment status to current. 

XXXX. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX  Account Number : XXXX Please remove it from my credit report. 


Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt.

Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

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 non-monetary relief