vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I was provided an offer of credit card issued by Bank of America in XX/XX/XXXX which had an 0 % Promotional APR for a certain period of time.

I accepted the offer and received a credit card soon.

However, I have never received any notification or reminder from Bank of America to specifically let me know when the 0 % Promotional APR ends. 

In XX/XX/XXXX, I accidentally found my credit card was charged of {$88.00} for the interest. 

On XX/XX/XXXX, I went to the BOA branch in XXXX XXXX, NY and paid off all of my existing balance of {$7400.00}. Then I called BOA customer service to see if I can request a reverse of the interest charged, but my request was declined. 

On XX/XX/XXXX, I made another payment for the new balance of {$300.00} online. Then I called BOA customer service again to request a reverse of the interest charged, but my request was again declined. 

I was trying to explain that Bank of America had never sent me any type of notification or reminder to specifically alert me of the date that the 0 % Promotional APR of my credit card ends. If I were notified of the ending date of the 0 % Promotional APR, I would have paid off all the balance in time to avoid high interest rate. 

As a consumer, I feel its unfair for the bank to ignore or fail to notify or alert the consumer about the critical timeline/date that have a dramatic impact on their interest/benefit such as change of the interest rate. Their failure to do so is apparently an action of taking advantage of their consumers. I hope Bank of America can fix their policy to prevent this problem.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CLGF Holdco 1, LLC
State: GA

Complaint narrative:
The company was fraudulently claiming to be Destiny Master card, asked for my id information. Faxed License and SSN card to them. I am worried that is is an identity theft scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11 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: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
On XXXX I missed a phone call supposedly from Wells Fargo a voicemail was left claiming that they was a suspicious activity on my account but it was declined and that I should call the bank I did and everything seems to be fine, the next day I receive an email starting that my account was overdrawn by over {$1700.00}, I call Wells Fargo bank and was told it was a purchase from a hospital in XXXX and that they had to wait until the amount of {$3700.00} either cleared or declined before they can do anything, they credit my account back for the {$3700.00} but then I received a letter starting that their investigation showed that either I did the purchase or that I give permission and that they will be taking the money back. I called the claim department and was given the run around, one representatives told me that it was out of Wells Fargo hand and that it was visa who made the decision, and that they couldnt find any information on the merchant, I was told that I am responsible for protecting my account and that they can not give me any information on visa. I am a single mom of XXXX children, I work and go to XXXX school full time, I can not afford to lose that much money. This is causing me a lot of emotional distress. I appreciate all the help. Thank 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 monetary relief
Consumer complaint received 2023-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP
State: CA

Complaint narrative:
I was told my account would be closed in XXXX never got closed. Was told something different never could get my funds out. Had to go with out many times and can not get my funds out. Had to pay my worker and couldnt do that.

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 2023-03-11 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: CA

Complaint narrative:
On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$980.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$690.00} XXXX  XXXX Balance : {$300.00}

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 2023-03-11 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: CA

Complaint narrative:
On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$980.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$690.00} XXXX  XXXX Balance : {$300.00}

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 2023-03-11 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: NJ

Complaint narrative:
This letter is in response to your recent claim that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has verified that the account they are reporting under my name is accurate. Be advised that the description of the procedure used to determine the accuracy and the completeness of the information is hereby requested to be provided within ( 15 ) days of the completion of your reinvestigation.

Additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed.

Any automated responce or e-Oscar verification is unacceptable. I am requesting a reinvestigation AND your Method of Verification.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting.

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 2023-03-11 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: FL

Complaint narrative:
According to my report there are many collection accounts that are displaying an illegal balance. Additionally, many accounts are outdated or incorrect. I requested an investigation or to validate accounts. They only deleted one account out of man, within 30 days. Lastly, one account is only being reported for two bureaus.

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 2023-03-11 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: GA

Complaint narrative:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX : {$12000.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/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 2023-03-11 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: GOLDMAN SACHS BANK USA
State: NV

Complaint narrative:
Back in XXXX of XXXX, I received a phone call from a collections agency and they told me that I owed XXXX XXXX XXXX {$46000.00}. They tried to get me to disclose my method of payment over the phone for the amount owed. I had no clue on what they were talking about and wasn't sure if it was a scammer trying to take money from me. After speaking to the agent for quite some time, I quickly realized that the XXXX XXXX released {$50000.00} to someone identifying themselves as being me. Still unconvinced, I ended up signing up for XXXX ( that my wife previously added me to but I never received the email invite ), and I saw that my credit score went from being an XXXX down to a XXXX. To my disbelief, I also ended up seeing other loans that were taken out around the same time, {$40000.00} from XXXX XXXX XXXX, and {$26000.00} ( 3 different loans- {$4000.00}, {$2500.00}, {$20000.00} ). From that day forward, the debt collection calls started coming in by the volumes. I did get ahold of XXXX and they walked me through the dispute process against all of these accounts. I also submitted for a credit freeze for a year with all three credit bureaus. If you look at my credit reports for the past 26 years, you can see that I have always been responsible with my finances. I have plenty of loans that I've taken out and every single one has an excellent pay back history. I understand that these loans were taken out during/after the pandemic/recession times, but I never took a paycheck cut or anything to even need any funding of any type. My credit utilization is 0 % with 0 credit cards and one military charge card. It's not fair to me to have to suffer the wrongdoings of another person, and on top that, when I would request information on the full application to include the identity validation ( verification phone call ), they can't give me supporting evidence. The representative at XXXX told me she couldn't even find me in the system after with my SSN or address. I think that if they had followed a strict process prior to disbursing funds, then this could've all been avoided. Fast forward from XX/XX/XXXX to XX/XX/XXXX, I received notification that XXXX chose to sue me for the amount owed knowing that I was a victim of identity fraud. To make matter worse, the lawsuit paperwork was drafted in XXXX and by the time I received it, my 21 day deadline to respond was already busted. Since these events, I have a 7-yr credit freeze on all the credit bureaus, I've filled out the Identity Theft Report through the FTC and police, and now am waiting for my identity theft passport application to come back from the Attorney General.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC
State: GA

Complaint narrative:
XX/XX/2023, National Credit placed a collection on my credit reports after the Original Creditor XXXX XXXX had charged off the account. I was never aware of a new open collection on my credit reports until I was denied credit. I found out that National Credit had bought the debt and never notified me of the facts. I sent a certified letter to the letting them know of their violation and to remove their collection account off my credit reports. But to date I got no reply and the collection account remains on my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11 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: TX

Complaint narrative:
I checked XXXX website and I discovered I have a debt collection with a company called XXXX XXXX XXXX XXXX. The information from XXXX says I opened the account on XXXX XXXX for an amount of {$3000.00}. I did not take a loan out and I have no idea where this came from. I have bank statements to show I never received or taken {$3000.00} from this company called XXXX XXXX XXXX XXXX. I disputed with XXXX but they denied my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11 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: TX

Complaint narrative:
I checked XXXX website and I discovered I have a debt collection with a company called XXXX XXXX XXXX XXXX. The information from XXXX says I opened the account on XXXX XXXX for an amount of {$3000.00}. I did not take a loan out and I have no idea where this came from. I have bank statements to show I never received or taken {$3000.00} from this company called XXXX XXXX XXXX XXXX I disputed with XXXX but they denied my claim.

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 2023-03-11 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: GA

Complaint narrative:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX : {$12000.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/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 2023-03-11 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: GA

Complaint narrative:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX : {$12000.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX  XXXX XXXX Balance : {$760.00}

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 2023-03-11 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
We placed XXXX XXXXXXXX into a CD with citi back in XX/XX/2022. They never sent the full account number or any way for us to access the account online. We tried to get resolution to access the account and they have been unhelpful and stonewalling. They sent a debit card, but we dont have a checking account so this didnt solve our access. They wont give account numbers over the phone, but never gave us the information to begin with. We have no way to login and track or manage this money. No statements, no online access, no account information, nothing. Every remedy they tell us to try has required the system to update overnight, but nothing changes. We cant even close the sunny and just get the funds back. At this point, weve been robbed.

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 2023-03-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BALANCED HEALTHCARE RECEIVABLES, LLC
State: OH

Complaint narrative:
I thought I had paid off all my medical debt as I was no longer receiving emails or mail about owing it. Today I got a text message saying I owe {$310.00} to XXXX XXXX XXXX  when I thought my debt was with XXXX XXXX. I do not know what this debt is from, what it regards, or when I received it, as they did not tell me, and said nothing about the right to dispute it.

Company response to consumer: Closed with explanation