vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-16 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: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
Date of transaction : XX/XX/XXXX transaction for {$990.00} purchase made by XXXX XXXX XXXX XXXX XXXX XXXX ( fraudulent charge ) to card ending in XXXX. Bill received XX/XX/XXXX. Contacted Fraud Department. They stated they would check into fraudulent charges and opened new card ending in XXXX. Balance transferred {$1300.00} to new card. Owed {$310.00} of balance on previous card due to legitimate purchases which was paid on XX/XX/XXXX to pay the balance in full. XX/XX/XXXX Received statement with balance of {$990.00} to new card ending in XXXX. Called on XX/XX/XXXX and spoke with XXXX. She stated the fraud was resolved on XX/XX/XXXX. Transferred to XXXX Department and spoke with XXXX who stated to hold off on next payment and that fraud was resolved XX/XX/XXXX. XX/XX/XXXX Received statement for {$1000.00} talked to XXXX in customer service who transferred me to fraud. XXXX stated she was sending to finance team to double check. She could see it was double credited and she is sending it back to the fraud investigation team. Direct phone number provided. XX/XX/XXXX Called for update, spoke to XXXX, stated it would post in next XXXX hours. I chose to cancel my card that day. XX/XX/XXXX Another statement received {$1000.00} due. Talked to XXXX in Fraud Department who stated he would send an email to the investigation team of why the amount was back on the card. He said he would send to investigation team. Call back in one week and it would be cleared. Nobody called back and no supervisors to talk to. XX/XX/XXXX Called again after receiving XXXX emails offering to help me catch up on my delinquent card. She said she could see that the amount carried over in error and fraud XXXX said it was correct and money was owed. She stated she would send email to corporate office and fraud investigation team. Asked for call back and stated that I would go to XXXX  if I had not received a call back by XX/XX/XXXX. No call back received. She stated they dont call back and requested another XXXX hours. XX/XX/XXXX After several calls on XX/XX/XXXX no call back received.

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 2022-04-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
When asked of the credit card issuer to provide the debtor a fully executed copy of the terms and conditions or credit agreement indicating the debtor oh, rather the Creditor can arbitrarily cut the debtor 's line of credit limit. Doing so allows them to quickly report the debt as over-limit and immediately throw it into collection. A fast-track collection allows them to bundle hundreds of thousands of these accounts to sell them off to get them off their books. This is exactly what Citibank has done and each time I request a copy of an agreement that I signed with the section highlighted that allows them to do that, they refused to cooperate. this Behavior is known as FRAUD.

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 2022-04-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Paypal Holdings, Inc
State: IA

Complaint narrative:
Woke up on XX/XX/2022 only to find out that my account has been permanently limited according to a mail sent to me by PayPal ( Ref ID - XXXX ). 

I have been in shock of what Policy I did go against that could result to my account been limited...

I need explanation on what Policy I did violate and why should my account be limited.

I have been a loyal PayPal customer over the years and with no engagement with fraudulent activities demand and explanation of why I am being wrongly limited..

I have mailed the executive and no response has been given.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-16 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
Please see attached copy of our XX/XX/22 letter to three Bank of America ( " BOA '' ) senior executives. 
As explained in detail in our attached letter, on XX/XX/22, Bank of America erroneously charged our XXXX  account {$1600.00} for " XXXX PAYMENT REFUND ''. 
The charge is entirely spurious. 
Whether the spurious charge came about innocently, through a BOA clerical data entry error - or, as the result of fraud perpetrated by a BOA employee or by some outsider who duped BOA staff, there is not now, and never has been, any basis whatever for it. We neither requested nor received any such refund. 
If a {$1600.00} refund was in fact paid, it was paid to someone other than us, via an account other than any account of ours. Regardless, BOA should have, but obviously does not, maintain effective internal controls to prevent any ACH payment refund from being sent to an account different from the one from which the payment being refunded was originally transmitted. BOA management 's failure to have such controls in place is shocking and inexcusable.

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 2022-04-16 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: KEYCORP
State: ME

Complaint narrative:
I received a debit card from key bank for a fraudulent account opened with my ss number The bank knows about the identity fraud. Said it would be closed

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-16 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
I made a purchase from Ashley XXXX on XX/XX/XXXX for some tables for XXXX dollars and I was told that they will only charge me when I pick up the items. On XX/XX/XXXX I picked up the items but when I looked at the Ashley credit card by synchrony bank it showed several pending transactions which I never authorized and the charges were for XXXX dollars and XXXX dollars and XXXX dollars which all were unauthorized charges and have been pending charges since last XXXX XX/XX/XXXX. I called synchrony bank Ashley credit card and I talked to their customer service and I told them that these pending charges should be deleted and they should have been dropped a long time ago but they did NOT fix the issue and now I have several pending charges for things that I NEVER bought and I never authorized. Ashley credit card by synchrony bank should delete all the pending charges on my account because I did NOT buy anything and I never authorized these charges. I am already billed XXXX dollars for the items that I bought and there should be NO other charges at all and NO pending charges at all

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 2022-04-16 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:
In accordance with the Fair Credit Reporting act XXXX Acct # XXXX XXXX XXXX XXXX, Acct # XXXX XXXX, Acct # XXXX XXXX XXXX XXXX XXXX Acct # XXXX, has violated my rights. 

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.

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 2022-04-16 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Credit card is supposed to give 1.5 % back on all purchases which is not happening. I called on this problem and they will not help me. I tried going online with no success. Representatives are rude. Also, voicemail menu is extremely difficult to navigate. It has trouble responding to any identifying words you use and often times brings you to the wrong department after waiting on hold. Representatives are unhelpful and almost all the time do not resolve or properly explain what the problem is and how to solve it. All of the time they act like they do not understand the problem no matter how detailed and articulate you explain yourself. Getting a manager on the phone or corporate is basically impossible.

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 2022-04-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have auto pay set up on ALL my American Express accounts. My auto pay, for example, on the Hilton Honors account is set to a fixed amount of {$50.00} per month, 15 days after statement closing. Per the agreement dated XX/XX/2021 : If I select the " Other Amount '' automatic payment option, American Express will debit my Designated Account for the dollar Amount that I have specified, except as provided herein. 
IF THE OTHER AMOUNT IS LESS THAN THE MINIMUM PAYMENT DUE IN ANY BILLING PERIOD, AMERICAN EXPRESS WILL INCREASE THE DEBITED AMOUNT TO THE MINIMUM PAYMENT DUE FOR THAT BILLING PERIOD. If the Other Amount I have chosen is greater than the New Balance on my American Express Card account, then American Express will debit the New Balance on my account.

There have now been multiple times that American Express did NOT automatically increase the " other Amount '' to the minimum payment due. This results in late fees of {$29.00}. 

In 2021, the same issue occurred over a 5 month period, resulting in a penalty interest rate. American Express at that time argued that the agreement they see states the Other Amount remains fixed. Eventually this issue was resolved and I was told they would investigate the issue why the payment was not increased. 

This month, AMEX again did not automatically adjust the payment as my minimum due was {$58.00}. This results in yet another {$29.00} fee, but the " late '' incident also counts towards their ability to raise interest to the penalty rate. 

They need to fix this deceptive practice. The give an agreement and yet do not follow their pwn policies, charging customer late fees and penalty interest when they should not.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-16 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Accounts XXXX for the amount of XXXX dated XXXX for XXXX XXXX XXXX, account XXXX dated XXXX for XXXX XXXX XXXX XXXX and account XXXX for XXXX XXXX has violated my rights.

15 U.S.C. 1681section 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.

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 2022-04-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
I am 30-59 days late on my payment with the credit card company. I had unseen events that come up that I had to rearrange money around to pay for the past couple of months. I have received multiple phone calls a day from this company but never received anything in the mail or by email. I have mailed a letter to the company asking to be only contacted in writing. Most recently I have received 3 phone call in a 1 hr and 33 minute time frame from this company I received a phone call at XXXXXXXX XXXX, XXXX XXXX. and XXXX XXXX  on XX/XX/2022 only. Comenity Bank then they proceeded to contact both of my parents as well on different phone numbers trying to get a hold of me. My parents do not live with me and I have never put them down as people who are allowed to be contacted on my account. They call on average 3-4 times a day every single day and those are only the times that I am aware of as I do also receive multiple no caller id phone numbers as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-16 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc.
State: AR

Complaint narrative:
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against IC SYSTEM for committing identity theft. I have never given IC SYSTEM, any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ).

I have not validated any alleged debt with IC SYSTEM and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/2022, I have not received any documentary evidence, such as a trilateral contract, giving IC SYSTEM any right to collect on this alleged debt. 
I have never received any documentation requesting validation from IC SYSTEM, before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If IC SYSTEM, can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until IC SYSTEM, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and IC SYSTEM, continues its collection efforts, I will file for litigation for actual damages caused and I, will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

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 2022-04-16 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: PA

Complaint narrative:
I have took the time to review my credit report and saw that there are accounts that i did not authorize being furnished to my account. I understand that by law if something is the result of identity theft it is to be blocked and removed within 4 days. Please see FTC report for full details.

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 2022-04-16 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: PA

Complaint narrative:
I have took the time to review my credit report and saw that there are accounts that i did not authorize being furnished to my account. I understand that by law if something is the result of identity theft it is to be blocked and removed within 4 days. Please see FTC report for full details.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I requested that the information on my credit report be looked into and I also requested an official copy of my credit report on XX/XX/XXXX and XX/XX/XXXX but I was ignored in my initial reach outs. When I did not receive a response I sent a a second letter and again still did not get a response. 

I now have reason to believe that I am getting ignored by the credit bureaus due to their negligence to respond to my request.

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 2022-04-16 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/XXXX I found that my credit score had been dropped by XXXX points by synchrony Bank for a balance that was yet to be owed. I spoke with the bank who said that they would fix the problem. I checked my credit report and found that they did restore my credit score, but as of today XX/XX/XXXX synchrony bank has infringed on my credit score again dropping it by XXXX points for some erroneous reason. Synchrony bank is infringing on my rights under the California fair reporting act. Their hijacking of my credit must stop.

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 2022-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have a XXXX XXXXXXXX XXXX  XXXX and requested a credit increase. To do so, I was required to unlock my frozen credit. The first two times, I was requested to unfreeze Experian. I did so, and was told the credit was frozen. On XX/XX/2022 XXXX told me to unlock XXXX which I unlocked for two weeks. I again received a denial because my credit was locked and needed to unlock Experian. I called on XX/XX/2022 and spoke with XXXX with XXXX. She requested I unfreeze my credit with Experian. I unfroze my credit until XX/XX/2022 and requested she make a follow-up call. 

XXXX called me today, XX/XX/2022 and said my credit was frozen with Experian and it was my problem. She tried 2 times with her back office and both times it was shown as blocked. XXXX refused to escalate the problem with XXXX. I verified on the Experian site that my credit was unfrozen. Experian is unreachable.

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 2022-04-16 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: PA

Complaint narrative:
I have took the time to review my credit report and saw that there are accounts that i did not authorize being furnished to my account. I understand that by law if something is the result of identity theft it is to be blocked and removed within 4 days. Please see FTC report for full details.

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