vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-12 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: CA

Complaint narrative:
My phone has been stolen multiple times along with my wallet also all my XXXX accounts was took over and my phone and wallet had sensitive information in there all my accounts was already logged in my device so I lost full control and access to any accounts even through my XXXX I noticed my cash app has been zapped into a false cash out I didn't have no card linked on there it also would freeze up on me multiple times one of my bank cards from XXXX  XXXX XXXX was linked to my cash app also and they got stolen I'm just trying to find out if you can look into XXXX name $ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
There's an account on my credit profile that's not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
XX/XX/XXXX I purchased a XXXX bottle of bleach developer from a store named XXXX XXXX. ( XXXX XXXX XXXX, XXXX TN. The purchase was processed on XX/XX/XXXX. I noticed that my card was charged {$160.00}. I disputed the charge with Bank of America and they credited XXXX back into my account. I thought that would be the end of the situation. On XX/XX/XXXX I saw that Bank of America reversed the credit. I called & they told me that I needed to show proof ( the receipt ). I told them I no longer have the receipt and asked what else could I do. They advised me to speak the merchant. On XX/XX/XXXX I spoke to the merchant in store. He told me that they do not keep record of transactions and theres nothing he can do to help me. I spoke with Bank of America again on XX/XX/XXXX. They provided me with transaction ID but are not willing to further investigate because I no longer have the receipt. The receipt had the correct charge of {$2.00} on it which I made BOA aware of. Ive been with this bank for 10 years. I would think they would be willing to further assist me after the merchant pretty much stole my money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: KS

Complaint narrative:
I've held a Venmo account for some time, but hardly ever use it. 

Recently on XX/XX/XXXX, after trying to transfer a small amount of funds I was informed that my account was frozen. After reading articles that provided no information why, I contacted the company and asked for more information. They responded with a canned email saying read articles online and that they had sent me an email... .however I received no such email or response regarding why or what to do. I then again requested the reason why and then received a response saying that my account was being deactivated. 

I do not know why they have done so and they are also holding {$200.00} of my money for " Loss Prevention '' If they are not going to reactivate my account, provide the information why ... .I dont know what else to do but file this complaint. I want my account reinstated or my funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
In XXXX, XXXX, being locked out of fairly new account, I was forced to make phone payment. Requested that total including fees be paid at time & was told it was and no additional fee would show, since process done by Customer Service agent. It did not and {$2.00} dollar fee grew into {$28.00}, bill did not go to correct address, and I was called to pay over 30 days later. Did so, went thru same assurances ( no additional fees ), & this happened 3 more times since despite numerous calls to XXXX XXXX/XXXX to remove /correct credit report, as recent as early XX/XX/XXXX. Emailed, phoned and written requests have still not removed this error being no fault of my own. This time, in early XXXX, they corrected the overcharged late fees ( {$28.00} ) on their own but has refused to even acknowledge or fix the damaged credit report. 
I request help addressing this and immediate resolution, since this has resulted in irreparable false credit denials, and was not my fault.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
On XXXX XXXX I made a purchase using my Ally bank debit card for auto parts with an online retailer XXXX XXXX. Unfortunately, I never received my order because it was likely delivered to the wrong location. The merchant didnt request a signature so this ultimately allowed XXXX the authority to leave the package wherever they wanted. It was unusual because it was a large item. After not receiving my item I contacted the merchant and was denied a replacement or a refund. I contacted my bank in XXXX to file a dispute and didnt actually get the proper paperwork from Ally Bank until XXXX. Paperwork was initially submitted on the XXXX, the merchant has still not responded as of XX/XX/XXXX, and I still have yet to receive the adjustment to my account. I was told Id have a decision within XXXX business days and now its been changed to 45 days. I also contacted XXXX so they could investigate and they advised me to contact the merchant so they could file a claim so I can be reimbursed but the merchant is not being helpful and doesnt want to accept responsibility for their negligence in this matter. According to their XXXX report they XXXX XXXX has a long standing history of sendingghost orders, not sending correct items ordered, and swindling customers by making them pay outrageous return 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 explanation
Consumer complaint received 2024-02-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: ME

Complaint narrative:
On XX/XX/XXXX, I received an offer from American Express for a lower interest rate ( 6.99 % ) on my credit card, effective immediately. Anticipating expenses in XXXX and disliking their 20.99 % interest rate, I applied that day and immediately got a confirmation, that charges from that day forth for a year would receive the lower interest rate.. 
Weeks later in mid-XXXX, I received my monthly bill. In addition to a previous balance, there were {$680.00} of new charges that preceded the XX/XX/XXXX enrollment, and {$4900.00} of charges after the enrollment date. However the statement only listed {$570.00} as being subject to the lower rate, instead of {$4900.00}. 
I called Amex on XX/XX/XXXX and spoke with XXXX for about 90 minutes, getting nowhere. When I asked repeatedly for an explanation, he repeatedly asked me to hold and then returned to say that an explanation would be mailed. I repeated asked for not only an explanation but a correction. 
Within a few days, I received two form letters from Amex. The first said that while they are investigation I am not responsible for the {$570.00} ( not the issue, in my mind ). The second was a long and confusing letter about how Amex calculates various interest charges. Finally, a few days later, I received an envelope listing all charges for several months. 
As of today, I still have no explanation or resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 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: CITIBANK, N.A.
State: FL

Complaint narrative:
Subject : Cease Unauthorized Credit Reporting Immediately - Reference to Florida FCRA Identity Theft Fraud Laws Dear CITI Bank, I am writing to address a serious matter regarding the unauthorized reporting of information to my credit report, which constitutes a violation under the Fair Credit Reporting Act ( FCRA ), specifically Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as Florida state laws pertaining to identity theft and fraud.

It has come to my attention that CITI Bank has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. The FCRA explicitly mandates that consumer consent is required for such reporting activities under Section 1681b ( a ) ( 2 ).

Furthermore, Florida state laws, particularly those regarding identity theft and fraud, underscore the severity of unauthorized access and misuse of personal information, such as Florida Statutes Section 817.568.

I assert that I have not provided consent for CITI Bank to report any information to my credit report. This lack of explicit permission constitutes a violation of my rights, potentially damaging my creditworthiness and disregarding federal and state laws.

I demand that CITI Bank immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as mandated by the FCRA and Florida state laws. Failure to comply within the stipulated timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including those pertaining to identity theft and fraud.

Obtaining consent is not optional but a legal obligation under these specific sections of the FCRA and Florida state law. This is not up for negotiation ; it is a demand for compliance with both federal and state regulations, aimed at protecting consumers like myself from unauthorized and damaging credit reporting.

I expect your immediate attention to this matter and anticipate that CITI Bank will promptly rectify these violations, respecting my rights under federal and state laws.

Done in good faith,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
My XXXX XXXX XXXX was deemed a total loss XX/XX/XXXX. My insurance company issued two payments to Ally. Ally is now saying I have a balance owed. My gap insurance company is saying there is no money owed. I ; ve also asked Ally to provide me with my complete payment history and they have yet to receive. I apologize but I don't have the dates that I've called to Ally ( except for today XX/XX/XXXX ) requesting yet another explanation of the payments and I continously receive no resolutions. My credit is yet tarnished becuase of their discrepencies. Additionally, I have an open case XXXX against XXXX XXXX XXXX for the impoper handling of my claim. I am attaching an estimate of my vehicle.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I urgently urge you to promptly remove the unauthorized accounts from my credit report, as I did not authorize them and they are causing me considerable distress. Please rectify this error swiftly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-12 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: IL

Complaint narrative:
These inquiries are not mine, and I have no affiliation with the listed creditors. I urgently request their removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
Recently I have entered a credit debt on my report by an unknown party ; that a service I have never received. I believe it is an error since my XXXX is XXXX and might be a common errror on mis identification. Would like to have this remove immediately it causes nothing but headaches as I work hard to built my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 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: FL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK
State: NC

Complaint narrative:
I believe the account is invalid. DISCOVERBANK needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records. DISCOVERBANK XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: AmeriHome Mortgage Company, LLC
State: VA

Complaint narrative:
I have a mortgage through the VA and Amerihome mortgage is my lender. My broker informed me that my insurance that is to be paid by my lender via an escrow account was not paid. Amerihome will not cooperate in making the payment, claims they already have made the payment and they hang up on me every time I call. I have exhausted my efforts and have already had to pay progressive directly myself in order to prevent a lapse in coverage.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I did not initiate these inquiries and suspect them to be fraudulent. I request a thorough investigation and their prompt removal from my credit report. I have provided supporting documents for your review.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
I signed up for a promotional XXXX XXXX interest rate. On XX/XX/XXXX and XX/XX/XXXX, I received an email from the company : " Your XXXX XXXX introductory APR on purchases and balance transfers expires on XX/XX/XXXX ''. So, I paid off the whole balance on XX/XX/XXXX, to avoid the interest. However, the company still charged the interest. I tried to resolve the issue over the phone multiple times and tried to talk to the manager, but they told me that the promotional period actually expired on XX/XX/XXXX and that they were not able to reverse the interest. I think this is a misleading practice that the company is doing to intentionally make their customers accumulate interest. If I had known that my promotional period expires on XX/XX/XXXX, I would have paid it off earlier. It would be better if they didn't send anything at all, rather than that misleading information.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I insist on the removal of this late payment from my account, as it inaccurately portrays my payment history. I have consistently adhered to making timely payments, and it is unjust to be burdened with this erroneous entry. I urge you to take immediate action to update my account accordingly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I have never agreed or consented to XXXX or to XXXX XXXX reporting any private information to any credit bureaus at all verbally or written it is against the law for XXXX to share or publish any private information also they are responsible because they purchased the contract it isn't owned by the dealership at all XXXX XXXX wrote contact up and XXXX purchased contract knowing it was against federal law XXXX can't use dealership as scape goat they purchased a fraudulent contract more guilty than the company who wrote contract 15 u.s code 1611 criminal liability for willful and knowing violation giving false or inaccurate information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: NV

Complaint narrative:
I made a call to Chime support to file a complaint concerning a cheque and they said a representative will give me a call back to resolve my issue. 

I got a call back from a scammer thinking they were a Chime representative, the Chime representative made me do a transfer of {$500.00} to Chime user ( XXXX XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXXXXXX XXXX for verification purposes. 

They said I would get a refund after my accounts been verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
I sent a previous complaint through CFPB, Company stated they would mail information about the account that I have yet to receive. Company also stated that they own the debt. I have never done business with this company. They have not provided any information to prove I owe this debt nor have they shown they have the right to report the information to my credit. The company also stated account was from XXXX XXXX, however XXXX XXXX is reporting on my credit also. 
XXXX XXXX is reporting multiple accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc.
State: GA

Complaint narrative:
I opened a Self XXXX XXXX account and a XXXX XXXX account bot of these accounts had a XXXX  account and a card account, I would pay a monthly payment to myself into my XXXX XXXX accounts until I paid the total amount out to withdraw and in doing so the company reports a record of credit to the credit bureau, I paid my XXXX XXXX  accounts out for both XXXX XXXX XXXX XXXX  and Self XXXX XXXX and withdrew my savings of my payments to my bank account and closed the accounts the XXXX XXXX accounts and the card accounts but both companies have reported to the credit bureau that I have an active and negative account making my credit score drop very low, but the report is false and I have tried to dispute this with the credit bureau and the XXXX XXXX XXXX XXXX and SELF XXXX XXXX  but this is still an unresolved issue still showing negative on my credit report, can you please assist me in resolving this issue, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: WA

Complaint narrative:
I am trying to get an update on my loan forgiveness. I have made XXXX qualifying payments for public service loan forgiveness. I submitted my last certification form 3 months ago. Both the MOHELA website and studentaid.gov confirm I have made the required number of qualifying payments, but my loans have not been forgiven. I have tried contacting MOHELA for more information but am unable to reach anyone. I have waited on hold for XXXX minutes and nobody from MOHELA responds. I just keep waiting on hold...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief