vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-04 00:00:00
Product: Credit card or prepaid 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: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
I have XXXX charges I have disputed twice with no resolution. Both charges were with XXXX different merchants both billed to a chase card ending in XXXX. 

The first was a hotel charge for XXXX XXXX XXXX XXXXXXXX ga on XX/XX/XXXX. For XXXX. The second was a XXXXXXXX XXXX charge on XX/XX/XXXX for XXXX. 

I did stay at both hotels and used points and had no charge for the room. I also had free breakfast at both. Parking was free at XXXX XXXX XXXX. XXXX had a charge but waived all my parking charges. I did not charge anything to my room on either merchant. 

I have tried to dispute these twice with no success.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America closed my account for unknown reason and refused to release my last three paychecks.

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 2023-08-04 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: NJ

Complaint narrative:
Please eliminate these deceptive accounts from my credit report as I never authorized anyone to use my account. Kindly remove this incorrect account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-04 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: FIRST PORTFOLIO SERVICING INC
State: UT

Complaint narrative:
I made a payment of {$300.00} to pay off the balance. They have not applied that payment yet and will not show my available credit correctly. I tried to contact them about this issue and was told I can fax in proof that it had cleared my bank. I then asked if I could email it as I don't have a way to fax it cause who uses fax any more. They said yes but they can't grantee that they will be able to get it of apply it from the email. I just want my account updated correctly so I don't get charged the XXXX XXXX interest rate. I pay this off as soon as I can to keep from paying this huge interest amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
On XXXX I sent a letter to challenge some items on my credit report due to noticing that some things were incorrect. Per the FCRA I asked for the items to be deleted from my report because they were inaccurate. I allowed time for a response from the bureau and when I pulled my report again, I noticed that there were no changes and I had not received any response. The items were still reporting incorrectly. I sent letters again monthly requesting an explanation and a complete investigation to be completed on these accounts and I was completely ignored. After being ignored, I sent the letters out via certified mail to ensure you all received them, and when they delivered on XX/XX/XXXX, I finally received a response. You stated that the accounts were verified and accurate. My question is, how can the accounts have been verified if they are STILL reporting inaccurately on my credit profile? The disputes have not been resolved and I demand that each dispute is re-opened, reinvestigated and deleted. I want complete copies of every action taken to resolve this matter. This is a violation of my rights as a consumer! To expedite the process I have also included screenshots of my current credit profile which shows the inconsistencies that you are reporting on my profile.

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 2023-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PENTAGON FEDERAL CREDIT UNION
State: MI

Complaint narrative:
As of XX/XX/2023 XXXX reported back inaccurate info ( Pentagon Federal Credit Union ) of XXXX Days Late. PFCU has already made the correction on their end however XXXX customer rep claims they were never sent appropriate documentation from PFCU. Reporting inaccurate information is a violation of the FCRA under section 623 ( a ). To avoid a civil rights lawsuit, I am requesting XXXX to remove these late payments from within my credit reports, and to list this trade-line as paid as agreed and/or never late later than five business days or if not I will not hesitate to seek legal action against you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04 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: NJ

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. Please take an action with this innacurrate accounts. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
On XX/XX/2023, I wrote a check for XXXX dollars to a Wells Fargo customer for a completed work project. The check was paid by my bank the next day, XX/XX/XXXX, Monday. Wells Fargo put a hold on the check stating that my signature was incorrect and suggesting to their customer that I cancel the check and reissue it. 

The hold was for XXXX  days ( until XX/XX/XXXX ). For the next ten days, the reps at Wells continued to tell their customer that my signature was wrong and that was the reason for the hold. Each time their customer came back to me asking me to re-write the check, I had to tell him that the check was paid and Wells had my money. 

This resulted in confusion as the Wells customer wanted to believe what his bank was telling him. When he showed the reps at Wells a copy of the canceled check, they took a belligerent tone with him. 

I've complained to the XXXX, FDIC, and NC DOJ. The latter two agencies referred my complaint to the Comptroller in XXXX. All agencies with the exception of the XXXX claimed confidentially issues barred them from addressing my complaint. 

My concern is that non-English speakers ( and possibly others ) are being targeted with excessive check-holding practices, citing false reasons. My understanding is that every bank has a right to hold checks for any number of reasons. My problem is that Wells used me to lie to its customer. If they are doing this to others it is causing a headache for many. The payoff is that they earn pennies to the dollar in interest on every cashed and held check. 

The reps at Wells Fargo will cite confidentiality reasons when they view my complaint. And that is understood. But so far, I'm led to believe the bank will continue this bad practice unless they are held accountable.

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 2023-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/2023 I sent out my letter, I told the credit bureaus to " investigate every piece of information '' on the accounts listed below, I even went as far as pointing out factual discrepancies on my report. Also I have attached the letter I sent them here is the Tracking # for XXXX : XXXX. 
Tracking # for Transunion : XXXX Tracking # for XXXX : XXXX When looking into what the FCRA considers to " investigate consumer report '' it shows the credit bureaus did absolutely nothing following the FCRA. " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my account were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FCRA 15 USC 1681 everything has to be 100 % Accurate. I stated the inaccuracies directly from my report Accounts : XXXXXXXX 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 2023-08-04 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: IL

Complaint narrative:
The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation. I implore you to take immediate action to update my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with convenience check
Company: PNC Bank N.A.
State: IL

Complaint narrative:
I have a credit card with PNC. I received an offer in the mail for a convenience check that was very attractive. I used the check for an amount that was less than the line of credit for that account. It turns out that the offer was for another PNC credit card that I had NOT ACTIVATED or used for many years and does not even appear under my name on the PNC credit card website with the PNC credit card I do use. The check I wrote exceeded the line of credit for that credit card and PNC did not pay the check. PNC knew or should have known that the offer it sent would lead me to believe it was for the one and only credit card that was active. This was a misleading and deceptive practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
In XXXX  I have filed a complaint against Bank of America for opening an unauthorized card in my name. 

XXXX XXXX XXXX XXXX In the end, Bank of America admitted that the employee opened a card in my name without my permission as the recording showed that I declined on 5 different occasions. 

However, the supervisor had the card closed out at the credit XXXXXXXX XXXX with the false statement that client ( me ) requested the card to be closed, while i never ordered a card so that should have been closed out as Bank of America unauthorized opening a card in my name. That caused my credit score to drop down by XXXX points resulting in higher interest charge for a mortgage I was going to apply for and ended up not getting due to the additional cost. But i got a private loan instead. 

I have spent today almost 2.5 hours and have been transferred numerous times to the wrong department to see if I'm included in the compensation that Bank of America is ordered to pay out for unauthorized credit card and other wrong doings. 

Since even the 4th transfer was to the wrong department, I felt I have no other choice than to file a complaint as I don't have all day to try to speak to the right department. Please have Bank of America reach out to me. I have the complaints that were filed through this website on file, and they are showing that what I'm communicating is correct.

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 2023-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Your company has taken no steps in accordance with the FCRA and FTC to properly address this matter. So now I am asking you in request for your proof of authority that your agency has to furnish this information on a credit report in accordance to FCRA Regulations. You are now in willful negligence and willful noncompliance of the FCRA and violating my federally protected rights. Please make note that I am aware that consumer reporting agencies can only furnish information on a consumer report under the following conditions and no other pursuant 15 U.S. Code 1681b ( a ) ( 1 ) ( 2 ). 
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 explanation
Consumer complaint received 2023-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
The bank allowed a scammer to take over my account and deposit checks from our of state. From a computer or phone I dont know between XXXX XXXX XXXX. I wasn't a were of this happening at all. The Bank of America that I have had an open and good account with over 10 years. All they said was I did it, its my fault and when am I going to pay the money back.

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 2023-08-04 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to 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 2023-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
As of XX/XX/XXXX   TransUnion reported back inaccurate info ( XXXX XXXX XXXX XXXX ) of 30+ Days Late. XXXX has already made the correction on their end however TransUnion customer rep claims they were never sent appropriate documentation from XXXX. Reporting inaccurate information is a violation of the FCRA under section 623 ( a ). To avoid a civil rights lawsuit, I am requesting TranUnion to remove these late payments from within my credit reports, and to list this trade-line as paid as agreed and/or never late later than five business days or if not I will not hesitate to seek legal action against 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
Consumer complaint received 2023-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Your company has taken no steps in accordance with the FCRA and FTC to properly address this matter. So now I am asking you in request for your proof of authority that your agency has to furnish this information on a credit report in accordance to FCRA Regulations. You are now in willful negligence and willful noncompliance of the FCRA and violating my federally protected rights. Please make note that I am aware that consumer reporting agencies can only furnish information on a consumer report under the following conditions and no other pursuant 15 U.S. Code 1681b ( a ) ( 1 ) ( 2 ) 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 XXXXXXXX Please remove from my consumer 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 2023-08-04 00:00:00
Product: Credit card or prepaid 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: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
On the evening of XX/XX/, I was contacted by someone claiming to be from the American Express fraud department. The number on the caller ID matched the American Express phone number XXXX, which is why I thought the call was legitimate. The man claimed they had detected suspicious activity on my card and asked if I'd made any large purchases in XXXX XXXX. I was immediately very concerned. 
He had my card number and read to me the balances I had paid on the last three statements of my American Express Credit Card Account, which matched the information I had in front of me- another reason why I thought he was calling from the fraud department. 
He said his name was XXXX XXXX. He also provided his phone number should the line get disconnected. The number he gave was XXXX 
He then proceeded to suggest I implement additional fraud alerts. He asked for my mother 's maiden name and social security to confirm my information, which I gave. He asked me to press *-something to activate a fraud alert on my phone. He also said that he was setting up alerts on my email. 
Only when I received my card statement this month, I realized that I had been scammed. The fraudster made three separate charges at the XXXX XXXX XXXX XXXXXXXX XXXX, in XXXX XXXX, totaling {$29000.00}. ( I live in Maryland and have not traveled to XXXX in years. ) I contacted my credit card company, American Express, right away. Initially, they credited me for the unauthorized transactions and said they would immediately send me a new card, which they did. 
On XX/XX/, I received an update from American Express stating that I am responsible for giving my card information to the fraudster, which I did not, and responsible for the balance. The scammer ( s ) already had my card number. I noted that there was no verification from the card company authorizing the transactions. Apparently, the fraudster had verified it through my email ( I'm in the process of setting up a new email account ). 
I requested that American Express begin an investigation and file a chargeback as I did not receive the items they claimed I purchased. They said they would investigate further and recommended I contact the FTC and police. Today, XX/XX/XXXX  American Express closed the investigation and stated I must pay the total amount of {$29000.00}. I am writing to state that someone from American Express with my information was able to illegally make purchases in another country using my credit card information. I am in the process of filing a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
A payment of {$520.00} was due on XX/XX/2023. It was set to auto draft from my bank account. There was not enough funds at the time so the payment was returned. To cover this, a payment was made on XX/XX/2023 for {$550.00} to cover the XX/XX/2023 returned payment and a late fee. The next payment of {$520.00} was due on XX/XX/2023 and paid on XX/XX/2023. The next payment due was XX/XX/2023 for {$520.00} which was paid on XX/XX/2023. 

I am being called by collections who state my account was not up to date due to the returned payment XX/XX/2023 despite my records and theirs reflecting the aforementioned payments. The last statement I got from the collector was that I was charged double because it was returned. This is not true. I am up to date on my payments, yet they are trying to collect a phantom payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04 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: DISCOVER BANK
State: CA

Complaint narrative:
Discover- XX/XX/2013 not belonging to me.

Company response to consumer: Closed with explanation