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: BARCLAYS BANK DELAWARE
State: WA

Complaint narrative:
Attended a timeshare exit presentation. A Barclays RCI credit card account was opened and a charge of {$11000.00} posted on XX/XX/XXXX XXXX  by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX. 
I send a certified letter to opt-out. 
I talked to XXXX XXXX, Customer Support for the processing center and she acknowledged the error and receipt of the opt-out letter. She then wanted to know if we wanted a check mailed or a credit back to the credit card. We responded by telling her to credit the credit card. She said she would do that but needed a document-sign form. She was to send this to us. We have not received the form. We have not received any further response or communication.

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 — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: RI

Complaint narrative:
I have had a TjMaxx Credit card for the past few years and its been paid off for months now and has not been used in a while. When shopping at tjmaxx I was asked if I would like to apply for their credit card and I mentioned I already have one just don't have it on me, since I haven't used it in a while. They then proceeded to tell me if you have not used your tjmaxx card in over 6 months then it is inactive, but we can reactive it for you. I mentioned it wont be a new card correct cause if its reopening a card and it will affect my credit I am not interested and she reassured me it would not be a new credit card nor would it affect my credit so I said sure lets reactive my old card then and gave her the information she asked to search my account ( ID, SSN etc ). Received a new card in the mail but didnt think anything of it just figured it was linked to the card I already had since it was just reactivating when I logged onto my XXXX XXXX. I noticed an inquiry of a new credit card and it affected my credit. That is when I was upset and called TJMaxx customer support regarding my card and they informed me I have TWO TjMaxx cards now opened. I asked for the policy regarding if its true after 6 month of not using the card it becomes inactive and they stated that is NOT true. So now im upset because I did not authorize and stated to the cashier I did not want a new card or it to affect my credit and they lied all to get me to open another card. It has affected my credit and im very stressed with the situation and thinking of I should get a lawyer for the fraud and misinformation they provided

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I was advised by a Transunion and XXXX rep to fill out this report because of unauthorized inquiries in my report, please remove all these fraudulent unauthorized inquiries in my report. These are the fraudulent inquiries : 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 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 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 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 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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I was advised by a XXXX and XXXX rep to fill out this report because of unauthorized inquiries in my report, please remove all these fraudulent unauthorized inquiries in my report. These are the fraudulent inquiries : 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 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 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 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 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: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I made purchases through my Bank of America account. Claim number is XXXX and XXXX Ive been having the claim open since XX/XX/2023 and XX/XX/XXXX. I order clothes and shoes didnt receive my order. I try to dispute transactions online and was having technical difficulties.

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: Problem when making payments — Problem during payment process
Company: DISCOVER BANK
State: LA

Complaint narrative:
As the XXXX I have begun the process of correcting records, discharging and notifying all entities employing the ALL CAPS name of the new stipulations. 

XX/XX/2023 Discover was noticed of new stipulation as the XXXX. XXXX : XXXX XXXX XXXX XXXX XX/XX/XXXX a notice of tender was sent RE XXXX XXXX XXXX XXXX XX/XX/2023 Payment was tender with {$21.00} money order RE : XXXX XXXX XXXX Money order was redeemed with instructions to use for special deposit on acct. 
The money order was put into general deposit commingling funds. 
XX/XX/2023 statement of discharge was sent RE : XXXX XXXX XXXX XX/XX/2023 a Debt Assignment by XXXX was sent RE : XXXX XXXX XXXX XXXX XX/XX/XXXX a final statement of discharge was sent XXXX : XXXX XXXX XXXX XX/XX/XXXX A rescission of signature was XXXX RE : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX 2023 Exoneration from debt was sent cert mail # XXXX The debt amount is {$2300.00} To date Discover has not responded to any notices or rebutted any notices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: FL

Complaint narrative:
Please refer to Consumer Complaint No. XXXX, in which Square admits guilt and fault for not refunding me the monies owed. With that complaint, Square elected only to refund the {$370.00} and not the additional {$710.00} still owed. I do not know if this is being done maliciously by Square or if the individual handling the previous claim elected to just go the easy route.

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: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Today I received a e-mail from XXXX XXXX XXXX XXXX that I was pre-approved for a Capital One credit card and that through their portal I could find out which cards I was approved. In addition, I was told that there would be no effect/inquiry to my credit file. I went to their confidential portal and with the pre-loaded information, I was pre approved for two separate cards. At this time, Capital One required more information to proceed with the pre approval. I completed it. Once again, in the process, I was pre approved for either of the cards, in addition, there would be no inquiry to my credit report. To my suprise, I received a private e-mail from Capital One requesting that they needed proof of me by supplying my drivers license, social security card or passport. I currently have other credit cards and never have they asked for personal and confidential information XXXX given to them. I believe this is either a scam or fraud. In addition, I have the documentation available to review. I hold XXXX equally responsible for false advertising regarding this " preapproval '' Capital One credit card.

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 — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX Account name : XXXX XXXX, Account name : XXXX XXXX, Account name : XXXX XXXX, Account name : XXXXXXXX XXXX Account name : XXXX, Account name XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX 

However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXX XXXX, Account name : XXXX XXXX, Account name : XXXX XXXX, Account name : XXXX XXXX, Account name : XXXXXXXX XXXX, Account name : XXXX Account name XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX. 

However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
On XX/XX/2023 at XXXX, I received a phone call from XXXX ( XXXX ) XXXX stating that a woman by the name XXXX XXXX in Florida made an unauthorized, fraudulent transfer through XXXX on my PNC account in the amount of {$2500.00}. Throughout this phone call, the man kept saying we were on a recorded line, and kept reassuring me this is what I need to do to prevent the XXXX transaction from posting to my account. 
I was asked to verify my home address, phone number, account numbers, and the exact dollar amounts on my previous two transactions on both my debit and credit cards. I was asked to verify the exact dollar amount of funds in my checking account, reserve account, and short-term growth account. I was told the next step in order to cancel the XXXX transfer was to complete a wire transfer to a case manager. The case manager 's name was XXXX XXXX ( XXXX XXXX ). He then prompted me to enter my home address, email address, and phone number as the recipient. He told me I need to wire transfer {$2500.00} to the case manager and my funds found be immediately returned to my checking account. He asked me to state the confirmation number. He kept asking me to log out of my account and then log back in. He said the transfer did not go through so I needed to send {$2500.00} to another case manager, XXXX XXXX ( XXXX XXXX XXXX XXXX  ). This wire transfer was completed. He asked me to transfer the amount in my reserve account to my checking account. He asked me if my PNC debit card is linked to XXXX XXXX, XXXX, XXXX etc., and I said it is linked to XXXX XXXX. He promptly sent me a text message from XXXX ( XXXX ) XXXX requesting {$520.00} through XXXX XXXX, Manual Dispute id : XXXX. At this point I told him I do not feel comfortable clicking the link for the apple payment and he reassured me that this is standard procedure to get my funds back. I hung up and called the PNC fraud alert line. They told me there is nothing I can do at this time and it will be under investigation. They told me all I can do is call back tomorrow, there is no guarantee I will get my funds back from the wire transfer.

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I strongly urge you to promptly address this error, clearing me of any responsibility. It is vital that you conduct a thorough investigation into this matter and swiftly rectify the mistake. Your immediate attention to this matter is highly appreciated.

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 card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Im still having problem with Citi Bank ( shop your way ) credit service. Im being charged extra fees when my account is not over the limits, I paid on my account 4 days late, I was charged usual late fee plus increase in monthly payment along with the late fee. When I called to speak to a representative, he had a hard time explaining the extra fees. 
Since complaining about Citi Bank they closed my shop you way and NTB accounts. My NTB was paid on time and never late. However, they closed both, they bill me extra fees.

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 2023-10-31 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: TX

Complaint narrative:
I strongly urge you to promptly address this error, clearing me of any responsibility. It is vital that you conduct a thorough investigation into this matter and swiftly rectify the mistake. Your immediate attention to this matter is highly appreciated.

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: EQUIFAX, INC.
State: TX

Complaint narrative:
I sincerely beseech you to promptly take decisive action to eliminate the fraudulent Accounts from my credit report.

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ).

Please remove these unverified and incomplete items listed below : 1. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 

2. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXXXXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXX Please remove it from my credit report. 

6. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX XXXX XXXX XXXX The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : NAME : 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 2023-10-31 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ALCHRO INC.
State: FL

Complaint narrative:
FIRST FEDERAL CREDIT COLLECTIONS has violated Federal laws concerning the use of private information, FIRST FEDERAL CREDIT COLLECTIONS is reporting a medical debt on consumers ' reports, Requesting validation of how the consumer is responsible for paying this ALEDDGED debt and how consumer private information was obtained. 

If FIRST FEDERAL CREDIT COLLECTIONS isn't able to provide said items, negative accounts must be removed immediately according to FDCPA Because this has been an ongoing issue, consumer is advising FIRST FEDERAL CREDIT COLLECTIONS HAVE 3 DAYS TO REMOVE DEBT. 

Consumer has attempted to resolve this matter for several months, I will be filing form 211 treasury omb forms to audit consumer account.

Company response to consumer: Untimely response
Consumer complaint received 2023-10-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: CO

Complaint narrative:
My student loan account has been placed in Forbearance. I did not ask for forbearance and I have repeatedly requested that the forbearance be removed so that I can resume making payments and have those payments counted towards XXXX. 

My previous loan servicer ( XXXX ) placed my XXXX payment loans into an unsolicited forebearance in 2017 when I filed bankruptcy and then turned around and refused to update payment counts for an entire year, PROLONGING the life of the loans that would have been forgiven under the XXXX program. 

I find myself in nearly the same position with Mohela today, and, after the XXXX XXXX and XXXX hour call to them, I am here again to file a formal complaint

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation