vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-26 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: DISCOVER BANK
State: CA

Complaint narrative:
Discover bank asked me to file a police report even though i told them its fraud they made me file a police report in order to prove that i am not lying i am not sure exactly why they made me file anything at all they could of simply investigate the matter seen its nothing to do with me. I have filled the police report to show my innocence. But they still did not honor what they have said to me when i signed up for the card if there is a fraud all credit cards have to honor and give my money back., After filling a police report i went through all that trouble to do which is not easy to go through the process. I have provided to the DISCOVER XX/XX/XXXX CREDIT CARD XX/XX/XXXX They said that they have tried to call the police report and since there was no change to my case they don't consider that as a This is as a matter of fact fraud and they can investigate it and see. They are leaving a balance over XXXX on me to pay for that balance when its fraud and not me. PLEASE investigate this matter and their whole company because this is not ok from a consumer point of view when i open a card and i rely on the credit card company for them to research and see that it is fraud they don't care about us little people. Please investigate DISCOVER CARD XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I need to stress that this complaint isn't a mistake. My credit report has inaccuracies that aren't assured to be the maximum possible accuracy. These errors are really weighing on me and is continuing to affect me negatively in ways you can not begin to imagine, these are trying times and it would be a great help to me, a blessing I must say, if these inaccuracies get corrected and/or removed.

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 2024-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
On XX/XX/2024 I deposited a bank check for {$5000.00} which was from a XXXX disbursement into the BOA freestanding ATM in XXXX, MA. 
The screen said please confirm your check for {$5000.00} .... I selected " confirm '' .... the machine went black, gave me my card back and took my check. 
BOA has confirmed that XXXX has serviced this Machine and I have personally seen them there twice, while driving by. 
BOA tells me I must wait 10 business days .... which will bring the satisfaction date to XX/XX/2024. 
If this is the case, it will take 2-3 days for my bill payments to process ( even electronically ) which then brings it to the XXXX of XXXX XXXX and processing even longer. 
I've been with BOA for 27 years. This is Completely Unacceptable!! They filed an escalation after 3 phone calls yesterday .... and the Branch Manager in XXXX XXXX says I still must wait 48 hours.

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 2024-06-26 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: MI

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. 

Account Name : STATE OF MI OFFICE XXXX  Account XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX  Account XXXX has violated my rights. Or a list of inquiries : 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.

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 2024-06-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I filed a complaint ( complaint id : XXXX ) on XX/XX/year>. PORTFOLIO RECOVERY ASSOCIATES LLC responded on XX/XX/year> below is the response : Portfolio Recovery Associates , LLC ( PRA ) investigated the complaint. We closed the PRA account ending in XXXX, ceased all communications regarding collection of the PRA account unless otherwise permitted or required by applicable law, and requested that the consumer reporting agencies remove our tradeline for the account from their consumer reports. Thank you for bringing this matter to our attention. PRA takes compliance with all applicable state and federal laws very seriously. We regret the inconvenience and have verified that appropriate actions are being taken to resolve the matter. We believe that no further steps in response to the complaint or follow-up actions are required at this time. 

I also file a complaint ( complaint id XXXX ) on XX/XX/year>. XXXX XXXX  responded on XX/XX/year>. 

Below is the response : Response resolution has been attached for viewing. Researched consumer 's inquiry. Fraud investigation completed. Concluded fraud claim in consumer 's favor. Recalled account from third party vendor; sent communication letter ; copy enclosed. Provided Credit Bureau contact information and process for fraud alert process. Provided a direct name and contact number to consumer. 

Both companies confirmed that this is fraud. For that matter, I request that PORTFOLIO RECOVERY ASSOCIATES LLC dismiss the court case XXXX. I current live in XXXX, CO. The court is in Texas. To show up in court on XX/XX/XXXX, I have to stay away from my work and have to buy air tickets. That costs me. I agree that we need to bring the bad guy who spends the money without pay to justice, but I am not that guy. I am the victim. I request the case is dismissed. If PORTFOLIO RECOVERY ASSOCIATES LLC states this " We believe that no further steps in response to the complaint or follow-up actions are required at this time. '' then the case needs to be dismissed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-26 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:
I respectfully request the immediate removal of this inquiry from my credit report, as it is unrelated to me, and I have no association with the involved creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I was reviewing my credit report and noticed that i have several collection accounts that weren't mine. I also noticed hard inquiries that weren't mine as well

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 2024-06-26 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: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
Ally was given NOTICE that they DID NOT HAVE CONSENT to share my info with any agency/company/person per 15 USC 6801,6802

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 2024-06-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Debt collection agency is stressing me with lawsuits and certified mail. I am XXXX  and XXXX I had tried to contact them to verify no contact response has been made with evidence proving I did transactions or debt. need to know what identification was used when credit was issued to whom and what address. I do not go shopping because I am XXXX  and do not have any income expect XXXX which i can not barely live off of and I am on a fixed income need help I am being harassed after hours and dawn hours outside normal business hours and threaten with legal action just because I request evidence of me owning debt. it is retaliation due to me asking question because I have no recollection of debt and am a victim of identity theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I had purchased the appliances from Best buy using the promotion to pay off the purchase balance by end of promotion however, while setting the monthly payments, it wasnt allowing me to set up the payments using the promotion hence, I had reached the customer service to help me set the autopay and explained them the expectation. 

The customer service did the math and advised me the payment amount that should be made on the monthly basis for the balance to clear by end of the promtion. I agreed and approved her to set it up for the amount she advised and never bothered to worry about anything as the payments were coming out of my bank account on a monthly basis however, unrealizingly the promotion expired in XX/XX/2024 and there was no notification from Citi bank on the e-statement or email advising that the promotion is about to expire and there will be charges on the outstanding balance, which should have not been the case as per my explanation above. 

The Citi bank customer service did the wrong math and put the auto pay for the wrong amount causing the balance to not be paid in time and as a result i have been charged a hefty amount of intereset to be paid for the purchases. I paid of the purchase amount the day i realized this issue and tried explaining the bank what happended and requested to help me get those charges off my account however, they do not want to be accountable for their employee 's mistake instead responded saying that it was a human error and I should have checked my balance on a monthly basis. 

The escalation team mentioned that they heard the recording and acknowldged that their associate did make a mistake but this can not be a reason for them to write off the interest, which does not make sense as I was in a position to make payment for a greater amount than what was advised by the bank employee. 

The account was set up on autopay with trust on bank and as a consumer I trusted the bank and dint bother to verify however, Now i am XXXX  because of their employee 's mistake, which the bank should bare instead of expecting the consumer to bare the loss. 

I have disputed the deffered interest charges and submitted a case but the bank doesnt seem to care as it only cares to make money and RIP people off regardless of the mistake that was occured on their end,

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 2024-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: TN

Complaint narrative:
Ally financial called me over and over day after day me with an auto dialer. It was total harassment to the point I had to tell them to quit calling me. They ignored my request and continued to harrass me. Nearly every call had no agent on the line or they would get half way through a payment and the line would drop. I had no idea if my payment went through or not. I complained to several employees and no one would help me. I paid at 31 days because I have no idea what is due or when. They then sent me a letter stating that I said I have an attorney ( which I didn't because I don't ). 
They are taking advantage of being first party and not having to follow the FDCPA so they call constantly harrassing. They reported me to the credit bureaus for being late. This is on them and there terrible system and call center. I would like this report removed.

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 2024-06-26 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: FL

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX XXXX  Account Number : 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 2024-06-26 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: FL

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX XXXX  Account Number : 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 2024-06-26 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 recently reviewed a copy of my credit report.I was shocked to learn that I have been a victim of identity theft.I found number accounts on my credit report that were not open by me.This has been hurting me as I am in the process of buying a home for my family .Please remove the fraudulent accounts from my credit report soon as possible.

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 2024-06-26 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: GA

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. 

Account Name : XXXX XXXX  XXXX Account XXXX has violated my rights. Or a list of inquiries : 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-26 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: GA

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. 

Account Name : XXXX XXXX  XXXX Account XXXX has violated my rights. Or a list of inquiries : 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.

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 2024-06-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recognize the importance of removing any incorrect information from my credit report as specified by FCRA 605B. Could you please review the attached documents? I've noticed discrepancies in several accounts, which is quite concerning.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Adjustment Service, Inc.
State: IL

Complaint narrative:
XXXX reported a balance owed to Diversified Adjustment, and they reported it to the credit bureaus without even notifying me of the alleged debt first. When I noticed the collection on my credit report, I called and told Diversified Adjustment that I disputed the balance, but they would not open an investigation. In the meantime, the presence of this collection account was/is affecting my credit score. I called Diversified Adjustment back and agreed to pay them without proceeding with the dispute ( since they weren't complying with my request, anyway ) so long as they removed the account from my credit report. They agreed to this, and I paid the bill, but the account has not been removed. I then filed a dispute with the 3 credit bureaus, but they affirmed the debt, and it remains on my credit report. THIS ACCOUNT IS PAID IN FULL AND I DISPUTE THAT I EVER OWED A BALANCE TO BEGIN WITH.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 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: U.S. BANCORP
State: CA

Complaint narrative:
My issue is with my bank, US Bank, more than XXXX XXXX XXXX XXXX. 
On XXXX XXXX I saw a charge for {$650.00} to XXXX XXXX XXXX XXXX on my debit card. I called US Bank to report it as fraud. I was given provisional credit. 
On XXXX XXXX XXXX, I received a letter telling me that my claim was denied because they verified that I had received services and/or store merchandise. 
I have called the US Bank Fraud Prevention Representatives ten times about this claim, and I have also visited my US Bank branch during the last four weeks. I have been told that the claim was denied because the person who made the charge had all my debit card information and my email. I received an email from XXXX XXXX XXXX XXXX listing all the tickets that were purchased and the first names of each person using the tickets. The bank representatives and the XXXX XXXX XXXX XXXX customer service agent told me that they have pictures of all the people who have used the tickets ( and none of them were me or anyone I know ). XXXX XXXX XXXX XXXX will not refund me for the tickets because they have been used. 
I have been told that no one from US Bank can help me, that I need to talk to a processor. Processors will not take calls from customers, so I need to wait for one to return my message. On XX/XX/XXXX, I received a call back message from a processor, saying they were calling me back about my claim and if I had any other questions, I should call the number on the back of my debit card. 
I called the Fraud Prevention Representatives many more times. Four times I have been told that they would send a message for the manager of the processor to call me back. Each time I've been told that the manager would get back to me in 24 - 48 business hours. I have not received any call backs. 
I am reaching out to you because I am at a loss as to what to do about the {$650.00} that has been taken out of my account for a fraudulent charge. US Bank was supposed to protect me from fraud, or at the very least help me with a fraudulent charge on my account, but I can not get any help from them.

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