vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
On XX/XX/2023 I received a notification from Bank of America stating that there may be a fraudulent activity happening with my credit card. There were XXXX purchases made in a short sequence. I immediately reacted and reported these were not purchases made by us. They blocked our cards ( we had XXXX, me and me wife ). Within a few days, we received new cards and also in about 14 days the charges were credited. 

After that I didn't pay attention to the ongoing claim investigation as I thought everything was already resolved. 

Now the interesting part! 

On XX/XX/2023 our new cards were charged {$740.00} and {$1.00}. We also received a message from Bank of America that our fraud claim was resolved. 

I called them immediately and asked for explanation. They just told me that based on our shopping habbits the AI they have built into their claim resolution process decided that the XXXX transactions- both made online, {$740.00} at XXXX XXXX in XXXX and {$1.00} XXXX XXXX were made by us. 

I couldn't believe it! 

I am thinking that I immediately identified the fraudulent transactions when I received the notification and blocked the card but they are telling me now that I was the one who actually purchased the items. 

Called Bank of America, they apologized and told me they are going to review it again by a human being this time. 

A week later I received another claim resolution stating that we made the purchases. 

I immediately called them and they told me on the call that XXXX XXXX sent them the online order made by my wife and the address was matching with our home address. 

I asked them if they can send us the delivery proof because we never purchased it and never received the items. Waiting on them but this is truly outrageous! 

I don't understand how is this possible when I stopped the transactions the same day as I was notified but they still continued with the sale and are acting like they have the order saying our name and that is why we purchased it. 

Before - Bank of America does not offer fraud protection with their credit card and clearly does some suspicious business activity with merchants such as XXXX XXXX and XXXXXXXX XXXX XXXXXXXX!

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 2024-03-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
I contacted the Midland Credit Management company and asked for paperwork to verify the debt on XX/XX/XXXX via phone. It was never sent. 

They also offered me a settlement over instant messaging on XX/XX/XXXX of {$480.00}. At that time they did not say I had a time limit to accept the offer and I told them that I did not have money at the time for that amount and was asking for something lower and they refused. At that time I called in and asked for verification of the loan because I didn't think I owed close to {$700.00}. Wanting to act in good faith, I tried to get the funds to pay. When I got the money and called back on XX/XX/XXXX, they said they would no longer accept that and that now I had to pay {$590.00}. The principal debt is {$100.00} and they are saying I owe {$690.00} because of late fees. 

I have tried to talk to several different people at this company and they are saying that they will take me to court but won't say when or how that will happen. When I called on XX/XX/XXXX, the employee was goading me and laughed at my situation. I asked him to send me verification of the debt and I don't think he fulfilled the request.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
Subject : Formal Complaint Regarding Fraudulent Transactions and Unsatisfactory Customer Service Dear HSBC, I trust this letter finds you well. I am writing to formally express my profound concern regarding fraudulent activities that have transpired within my HSBC account, coupled with the inadequate level of customer service experienced throughout the resolution process. 

Between XX/XX/XXXX and XX/XX/XXXX, my account was subjected to fraudulent transactions. Upon reporting the matter to HSBC, I received a partial refund covering the period from XXXX to XXXX. However, it has come to my attention that HSBC 's established policy mandates the inclusion of transactions from both XXXX and XXXX statements in the reimbursement process. 

Despite providing clear documentation elucidating the company 's policy concerning fraud cases, the response from your esteemed customer support team has been less than satisfactory. My repeated attempts to engage via email and direct phone calls have yielded no substantive resolution. Furthermore, my attempt to escalate the matter by lodging a complaint through the Consumer Financial Protection Bureau ( CFPB ) resulted in the premature closure of the ticket without affording me adequate redress. 

For your reference, attached is the full document containing the company policy forwarded to me by your esteemed customer support team. It unequivocally delineates HSBC 's obligation to refund transactions from both the XX/XX/XXXX and XX/XX/XXXX statements. 

However, the reimbursement received only covers the period up to XXXX. The cumulative loss incurred due to this discrepancy amounts to a substantial sum, with fraudulent transactions totaling around {$350.00} from XXXX to XXXX around {$1200.00} from XXXX to XXXX, resulting in a total loss exceeding {$900.00}. 

I wish to underscore my fervent expectation for HSBC to strictly adhere to its stated policies, thereby ensuring the fair and equitable treatment of its valued customers. The persistent closure of complaints and apparent disregard for established procedures by your esteemed customer support team are deeply disconcerting and reflect unfavorably upon the institution 's commitment to customer satisfaction. 

In light of the foregoing, I humbly request your urgent intervention to rectify this matter and expedite the prompt refund of the outstanding amount in accordance with HSBC 's policy. Your immediate attention to this pressing issue would be immensely appreciated, as it is imperative to restore confidence in HSBC 's integrity and unwavering dedication to its esteemed clientele. 

Thank you for your attentiveness to this matter. I eagerly anticipate your prompt response and swift resolution. 

Yours sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
=Kindly ensure the removal of inaccurately reported accounts from my credit file as mandated by FCRA 605B. Could you please review the documentation? The presence of these erroneous accounts is causing me distress.

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 2024-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am contacting you because I have found some information that is inaccurate on my credit report. 

The date-of-last-activity and date opened you are reporting for these accounts are inaccurate. I request that you verify the information and remove any inaccurate information from my credit report as quickly as possible. The items in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  After doing so please provide me with an updated credit report reflecting the changes

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 2024-03-02 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: CA

Complaint narrative:
I recently review a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my obtain credit.

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 2024-03-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
TransUnion is been reporting an XXXX XXXX account since 2017. This account doesnt belong to me. I have nor had any business with 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 2024-03-02 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: GA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-02 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: NV

Complaint narrative:
I was recently reviewing my credit report and noticed a collection I knew nothing about. This is affecting my creditworthiness and being considered for purchasing opportunities.

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 2024-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I discovered that the same information on my credit report was incorrect when I reviewed my updated reports. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous account that needs to be reinvestigated : XXXX XXXX Balance : {$14000.00}

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 2024-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I contacted Bank of America concerning a report that was submitted to XXXX XXXX stating that my checking account has been closed on XX/XX/XXXX no monetary loss but it was reported as suspected fraud activity. I contacted XXXX XXXX to have it disputed and was told that it would take up to 30 days for the dispute. I received a letter from XXXX XXXX on XX/XX/XXXX staying that the reinvestigation from Bank of America had updated the date of closure to XX/XX/XXXX, verified that no fraud claim was filed, it was closed according to deposit agreement and the source verified the information to be accurate and complete and as a result it will remain on file at XXXX XXXX. I proceeded to contact XXXX XXXX  again to further explain that I was not intending to dispute the closure of the account but the reason that it was reported and listed on XXXX XXXX. For the mere fact that the reasoning would remain in my account for XXXX years with no way or resolution to resolve it to have it removed. The representative proceeded to tell me that he would submit another dispute with the information I provided. That I could contact the institution to have them have it removed or wait on the reinvestigation that could take up to 30 days. I contacted BOA to speak with XXXX at XXXX XXXX on XX/XX/XXXX who informed me that BOA had made the decision to refuse to remove the reason of the report to XXXXXXXX XXXX from my 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 explanation
Consumer complaint received 2024-03-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
all debts were paid directly to the company that provides services. but I continue to receive letters about my debt, which is not there. the employee did not correctly connect the automatic withdrawal service

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
I contacted the XXXX XXXX XXXX XXXX and asked for paperwork to verify the debt on XX/XX/XXXX via phone. It was never sent. 

They also offered me a settlement over instant messaging on XX/XX/XXXX of {$480.00}. At that time they did not say I had a time limit to accept the offer and I told them that I did not have money at the time for that amount and was asking for something lower and they refused. At that time I called in and asked for verification of the loan because I didn't think I owed close to {$700.00}. Wanting to act in good faith, I tried to get the funds to pay. When I got the money and called back on XX/XX/XXXX, they said they would no longer accept that and that now I had to pay {$590.00}. The principal debt is {$100.00} and they are saying I owe {$690.00} because of late fees. 

I have tried to talk to several different people at this company and they are saying that they will take me to court but won't say when or how that will happen. When I called on XX/XX/XXXX, the employee was goading me and laughed at my situation. I asked him to send me verification of the debt and I don't think he fulfilled the request.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 00:00:00
Product: Credit reporting 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: WA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2024-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I reviewed my credit reports and it shows unverified and fraudulent items that violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX, and I am preparing this message. It has come to my attention that there have been several accounts under my name fraudulently. My information was used to obtain financial goods or services. The listed accounts in this report are not mine. According to 15 US Code section 1681-C-2A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies 3 this information that results from alleged identity theft. Also, 15 US Code 1681 section 604A Section 2 states a consumer reporting agency can not furnish an account without my written instructions. The listed accounts here never should have received written instructions from me nor did they with my consent. No consent is identity theft. I am demanding the deletion and removal of these accounts listed in this file from my personal Consumer Reports immediately.

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 2024-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My name is XXXX XXXX, and I am preparing this message. It has come to my attention that there have been several accounts under my name fraudulently. My information was used to obtain financial goods or services. The listed accounts in this report are not mine. According to 15 US Code section 1681-C-2A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies 3 this information that results from alleged identity theft. Also, 15 US Code 1681 section 604A Section 2 states a consumer reporting agency can not furnish an account without my written instructions. The listed accounts here never should have received written instructions from me nor did they with my consent. No consent is identity theft. I am demanding the deletion and removal of these accounts listed in this file from my personal Consumer Reports immediately.

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 2024-03-02 00:00:00
Product: Credit card — Store credit card
Issue: Struggling to pay your bill — Filed for bankruptcy
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
C/O RESURGENT CAPITAL SERVICES, XXXX XXXX XXXX XXXX, SC XXXX started reporting XXXX accounts that were included in my bankruptcy in XXXX. The problem is Resurgent is claiming these accounts were opened in XXXX while I was under bankruptcy which is very much incorrect. One account was XXXX XXXX # XXXX & XXXX XXXX XXXX # XXXX Both accounts were under XXXX XXXX which was under my bankruptcy in XXXX. The problem I have is no accounts should be sold to these shady companies to try and double collect on accounts that were under FEDERAL BANKRUPTCY. These accounts were removed from my credit during bankruptcy and within the last 2 years, Resurgent has started posting them as non-paid accounts. The bankruptcy attorney has contacted them and told them these were part of the bankruptcy with the account # 's and yet they still are saying that I got the accounts in XXXX and I never got any of these accounts in XXXX as I was still under bankruptcy. Every time I have tried to tell Resurgent this they call me a liar I think I would have known if I had gotten those during the time I was under bankruptcy and that is against the federal bankruptcy to open any accounts like that. I plan on filing a lawsuit because these accounts should have never been added to my credit report! Being they were bought by a 3rd party makes it even more shady that the banks were lying. I want this fixed as I stated I plan to sue for damages to my credit report and the XXXX this has caused my health. In the paperwork, it shows LVNV FUNDING ON BOTH ACCOUNTS XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
On XX/XX/year> I noticed XXXX XXXX account # XXXX has been reinserted into my credit file. You are required within five ( 5 ) days of a previously deleted item. I did not receive such notification. Please delete this item immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On XX/XX/year> I noticed XXXX XXXX account # XXXX has been reinserted into my credit file. You are required within five ( 5 ) days of a previously deleted item. I did not receive such notification. Please delete this item immediately.

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