vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I opened a Bank of America Unlimited Cash Rewards Signature card. The card had a XXXX XXXX introductory rate. It was disclosed that starting XX/XX/XXXX, the interest would start on the card. I specifically opened this card as I had large expenses and needed the 0 % interest rate to allow time to pay the card off. I had to make large payments to this card which put a financial strain on me because I knew that in XXXX of XXXX I would start paying interest on the card if it was not paid off. I was able to get my balance down from {$14000.00} to approximately {$6000.00}. I was still stressed as to paying this card off. I get a letter in the mail from Bank of America on XX/XX/XXXX stating my 0 % interest has been extended out to XX/XX/XXXX. This notice only came a month prior to the original information of XX/XX/XXXX. Had I been given this information in a timely manner, I could have budgeted and paid this card in a way that would have not caused stress and hindered my finances. This notice should have been given when first receiving the card as the notice states " They apologize for sending my card late and it impacted my account terms ''. These terms needed to be disclosed when the late card was received, which was last year.

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 2023-08-07 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
There are two American Express business cards, a blue card, and a platinum card, that were fraudulently opened in my name. I have been attempting to work with American Express to resolve the issues with identity theft/fraud since around or about XXXX XXXX. I'm quite certain that the business cards were fraudulently opened by my former employer. I have filed a police report memorializing that I am the victim of identity theft. I have also sent several written communications and have spent a minimum of 50 hours on the phone with Amex representatives to report and provide details of the fraud. During this time notes taken by the members of the fraud team have been incomplete, and inaccurate or don't exist making it impossible for the operations team to perform a proper investigation. I have also received many hostile calls from the Amex collections team attempting to collect on the fraudulent accounts. The collection department is not aware that the accounts are under fraud investigation. On XX/XX/XXXX, Amex canceled my personal gold card, which I had since XXXX, due to " having another Amex account that was not maintained in accordance with the terms of the Cardmember agreement ''. When I called Amex to discuss why my gold card is being canceled it was " due to not making payments on the two fraudulent cards ''. I was told by a representative on XX/XX/XXXX, that the collections department, that processed the cancellation of my gold card was not aware of the fraud. I am not making progress on the fraud investigation. Amex 's behavior has been unprofessional and negligent. I feel like I am being harassed and abused when I did nothing wrong. I feel that Amex has violated the Fair Debt Collection Practices Act ( FDCPA )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: UT

Complaint narrative:
It is highly unjustifiable to have late payments displayed on my account when I have consistently made timely payments.

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 2023-08-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I urge you to promptly take action to remove the fraudulent accounts from my credit report, as they were not authorized by me and are causing significant distress. It is crucial that you rectify this error without delay.

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 2023-08-07 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 — Their investigation did not fix an error on your report
Company: GOLDMAN SACHS BANK USA
State: MS

Complaint narrative:
There are multiple accounts on my credit file that were disputed and should be blocked from my credit file. I have followed up with the creditors and they have complied with my dispute, but XXXX, XXXX and XXXX has not removed these accounts, hence this complaint. Please forward this complaint to each Bureau along with a demand for them to honor my demand to block information from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 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 — Their investigation did not fix an error on your report
Company: U.S. BANCORP
State: MS

Complaint narrative:
There are multiple accounts on my credit file that were disputed and should be blocked from my credit file. I have followed up with the creditors and they have complied with my dispute, but XXXX, XXXX and XXXX has not removed these accounts, hence this complaint. Please forward this complaint to each Bureau along with a demand for them to honor my demand to block information from my file.

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 2023-08-07 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: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I have an account with farm home that is owned by sincroni bank last month i made a payment and requested that it be applied to the promotional balance. The regular payment was not due at that time. They told me it would take 1 to 2 billing cycles and it would show up. The billing cycle passed i looked at it on line and it did not show a promo balance. Today i tried to use the card and they closed the account saying it was because of my other accounts and too much credit. i had the customer service person check on the promo balance. she said they only applied part of it to the promo balance. Also i can no longer look at the account on line because it says we no longer service your account. The person i talked to typed in a request that the amount be corrected and applied to the promo balance again saying it will take two months for it to happen. She said i should still be able to access on line but i can not it says account is no longer being serviced. I do not get paper copies of the billing. The promo balance is due to be paid off by XXXX billing date which is the XXXX That amazingly enough is 2 months from now. They are trying to keep me from paying my promo balance because they will then charge me interest for the entire original balance. There is no one to talk to except the person on the phone and they have no authority. I need help with this i have tried to pay it off but they are basically refusing my payment. they said they could not send me proof that they had noted it in their system either. They claim there is no way to prove i asked that it be applied i just had to trust that they would apply it properly and as you see they did not. This is very underhanded closing the account so i can not see what is happening with it and not applying the payment as requested. i tried at XXXX other point to pay the promo balance but they did not they will apply XXXX dollars which is not enough to cover the balance by the end of the term that is why i wanted to pay more. It would need to be XXXX each month from now until the promo ends. i feel they are intentionally doing this to get the interest on the promo even though they offered free XXXX on it for 15 months. I held up my end but they are getting away with this an no one is doing anything. i am sure i am not the only one. They should be brought up on fraud charges by someone. I am not the only one they have done this too. additionally i have no paperwork i can attach to file this complaint because when i try to access the account it says they do not service it any longer. please be fast

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 2023-08-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: American Credit Acceptance, LLC
State: TX

Complaint narrative:
I purchased the XXXX  XXXXXXXX XXXX XXXX on XXXX XXXX from XXXX XXXX XXXX in XXXX XXXX NV . My salesperson was XXXX. XXXX XXXX XXXX offered me the Loan, XXXX down, XXXX Interest rate and 72 months. Love the vehicle, but in XXXX left XXXX XXXX, NV, got on the highway began to have serious problems. I ended up purchasing a new battery went back to XXXX XXXX, NV around XXXX and XXXX helped me with the cost of the battery. My mailj was going to my son house I got my mail from American Credit Acceptance for the first time not missing a payment and notice they had taken all of the first two payment, and some of the third Principle and Interest were not being deducted correctly. It appears not one of my payment are correct so far, and they don't breakdown the amounts on my bill. I have spoken to them several times even Manager about the Billing problem. Most seemed to avoid the issue or not answer my concerns not comfortable with the Customer Service Personal at all, and not honest.

Notice on my credit report the balances were far above what they should have been because they were more than the car cost {>= $1,000,000} at purchase time, every balance I have seen. The loan was 72 months it now says 73 on credit report. I have returned the car back to then XXXX XXXX because of them taking money from my. This is my 4th bad car deal in 6 years two within the same year, please help I have lost lots of money. American Credit Acceptance then called me to take the car back I started to a mix of confusion, I am a XXXX XXXX XXXX suffer with confusion often, and the fact that This Texas Heat had me getting sick when I would go out really bad. but I didn't take it back. They have threaten further charging me, fee etc. please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: U.S. BANCORP
State: IA

Complaint narrative:
us bank denied me consumer credit transaction in accessing a portion of my unlimited credit. 15 usc -1691- unlawful to discriminate against applicant with respect to any credit transaction.

12 USC -1431 : the banks are the borrowers Equal Credit Opportunity Act, CCPA 15 USC-1602 ( i ) I am the creditor in pursuit of life, liberty, and the pursuit of happiness. 

US BANK  XXXXUS BANCORPXXXX 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 explanation
Consumer complaint received 2023-08-07 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 — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL
State: DE

Complaint narrative:
Snchrony Bank has singlehandedly and intentionally sabotaged my credit with their false credit reporting. I hold 3 different accounts. One with paypal mastercard, one with paypal credit, and one with Lowes credit. As of today they have closed all three current non delinquent accounts based on a retaliatory act. They claim that based on their information I am considered a high risk of failure to pay. Mind you I have never defaulted on any existing creditor or have been late with any existing creditor for over 7 years. I have waited 7 years to establish new credit after I was forced to file for bankruptcy 7 years ago due to outstanding medical bills. But when I hit my 7th year Snchrony has been nothing but disrespectful towards me treating me like an immigrant that has no credit.. This complaint has to do with my Lowes account. I have paid down this project monthly as agreed with the contract. But thats not good enough! I have paid more than the minimum payment for several years not once missing a payment and the thank you I get for being a great customer is " we are closing your account because you are a risk of not paying. '' On my credit bureau, Again there are no indications of defaulting on any of my creditors, on the contrary I have an outstanding payback history Any negative reporting has been caused by Snchrony bank and their false claims that I went over my credit limit by 300 percent due to their retaliatory act of reducing my credit line because I retracted a payoff to the paypal mastercard account, this after they froze my account for a suspicious large payment. Since XXXX of XXXX they have been claiming i became a high risk of not paying and have reported incorrectly to my bureau ruining my credit score. Something needs to be done. No other creditor does this lunacy to good customers.

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 2023-08-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: State Collection Service, Inc.
State: MN

Complaint narrative:
I answered a potential risk call and the person said that they were " XXXX '' and need me to verify that I am who she said. I asked that I needed to verify what company or business they were before answering any information. After 5 or 6 attempts to get this she stated they were " State Collection Services. I said ok why are you calling. They said they needed to identify me prior to answering that. I refused to give my dob. She said a street address that I had never heard of amd then a secondary one as well. I said you are incorrect and I verified the her name as XXXX and said that this is clearly a scam and I will be passing the number, name and " business '' name off to authorities.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: COLUMBIA BANKING SYSTEM, INC.
State: WA

Complaint narrative:
I mailed a check ( my bank is Umqua bank ) for {$36000.00} written to XXXX XXXX  back in XX/XX/2023. The check was stolen from the mail and forged into another name ( the name they used XXXX XXXX # XXXX ) and deposited into a XXXX XXXX account. By the time I realized that XXXXXXXX XXXX never received my check- the check was already cashed. 
This check was written out of my business checking account and it has been on restriction for a month now while the Fraud Department at Umpqua is " figuring it out ''. The manager at my branch..XXXX Umpqua has been helpful - XXXX XXXX ( XXXX XXXX ) but she can only do so much- their general fraud department is giving me the run around. 
There is a police report filed : case # XXXX Detective assigned to case : XXXX XXXX XXXX XXXX This is a large sum of money and I need to know if I need to retain an attorney or an insurance agent to help me find out what steps I can take to get this covered.

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 2023-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am a victim of identity theft. the information listed below, which appears on my credit report, does not relate to any transaction ( s ) that i have made. it is the result of identity theft. i have contacted credit bureaus EXPERIAN, XXXX, AND XXXX regarding this matter. with all three reporting agencies stated that the accounts are being verified by creditors as accuarate. I have also reached out to the creditors XX/XX/XXXX to whom also replied saying accounts are correct and I am responsible. These accounts were opened by someone other than me for extreme financial gain and they are affecting only me while trying to accomplish life goals.

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 2023-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I was charged {$35.00} on small amounts for over drafts when I had specifically asked for overdraft protection

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 2023-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I did not initiate these inquiries, and I believe they are fraudulent.

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 2023-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC.
State: AZ

Complaint narrative:
I have an account with Ally, that was drained by an identity thief. Based on the number of complaints I have found online, I see this is nothing new. 

I did know this thief, her name was XXXX XXXX, which ended up being a false name. I worked with her and had at one time authorized a charge for up to {$100.00}. She had all of my information, as well as my husbands. We do not understand how she accomplished this. She successfully stole {$5100.00} out of her account, and laundered it on XXXX. 

Because I had an pre-existing relationship with XXXX, as well as a working relationship with her, Ally denied my dispute claims. I have official police reports, a press release from the DOJ, and even a Special Agent from the FBI to verify her now being in custody. The total amount stolen was over {$13000.00} USD combined with other accounts she had illegally accessed. She used my identification provided at the time I applied for contract work with her business. Nothing else was authorized, and we have been devastated by this. 

Ally made this decision within 6 days, refusing an appeal, even with my offer of a sworn-affidavit to the fact that I did not authorize more than {$100.00} on up to 2 charges, combined. 

Allys position is that if we ever conducted a legal transition, even if it was only once - that preexisting relationship means denial. Period.

This is theft. It is a felony theft, and I filed charges. I sent proof this woman was in Federal custody, and sent the full sheriffs de
partment report, as well as a full report with evidence to the FBI via IC3. 

I have spoken with an attorney who suggested we sue for {$50000.00} or more, in light of further duress and damages. Ill have to save up to afford his retainer, and Im crushed by this. This was a crime, I am a victim of this crime. They refused to advocate on my behalf despite all of this evidence of multiple crimes.

Im angry, and it appears that Ally is saying if any of us have a relationship with a company that has regular deductions, it will NOT protect us from exorbitant withdrawals to that same company that deviate from our spending patterns ; because of that previous relationship and our prior approval for normal expenses. Whether {$6.00}, or close to {$6000.00} - it's all the same to them. 

If we are victims of theft, or identity theft, we are screwed. DENIED - and no appeal, no provisional credit, no call to the Sheriffs department, or the FBI agent listed, no real investigation. Just - Too bad, we do not care, and we will not be your Ally despite this being an infinitesimal amount to our XXXX dollar company. 

This person stole our rent, they stole our ability to eat, they stole our identities and Ally is in this case my adversary. We are impoverished by this crime.

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 2023-08-07 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:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud.

Company response to consumer: Closed with explanation