vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
This account offers reward dollars based on card use. From my opening account to the end of XXXX XXXX I have earned in excess of {$390.00} in reward dollars which had been reported on my online account information. In mid XXXX. I noticed that the amount had been reduced to less then {$25.00}. I have never used or authorized the use of this money to pay balances or be sent to me. I pay my account balance in full every month. I called customer service on XXXX occasions in the second week of XXXX ( I didn't record dates, not thinking the the problem wouldn't be resolved ) Both times the agent would only tell me how points ( dollars ) are earned and credited at the end of each statement cycle. During the second contact I requested to speak to a manager and after I repeated my request for an explaination as to where the missing funs where, she informed me that the matter would have to be refered to an area dealing with rewards and the she would do so and that they would get back to me. I requested a phone number for that area and was told that they would not supply a contact number. The bank advises that all calls are recorded so I expect that you could secure their recording to verify my information. Next I emailed customer service on two occasions XXXX. XXXX and XX/XX/XXXX and requested a detailed accounting to show where the money had gone and also requested information on how to withdraw the funds ; both inquires were answered with a message that did not address the inquiries being made. I could not make copies of these correspondence off of thier website ; hopefully your office can also request copies of these. The online account inromation now shows a total rewards balance of some XXXX dollars. My take away from this issue is that this money is missing and the Banks system is standing in the way of providing any explaintion as to where the funds have gone and why. I will stop short of using the word theft. I would greatly appreciate your agencies assistance in resolving this matter so that I may receive the funds which are mine buy my use of the credit card issued by the Bank. 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 non-monetary relief
Consumer complaint received 2023-01-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
complaint about an unsolicited credit card in my name this card is from the bank Comenity Capital Bank / XXXX XXXX  was requested on XX/XX/XXXX and the card arrived XX/XX/XXXX to my address the amount of the credit is $ XXXXCall the company to report the fraud with the account protection department they canceled the account and reported the fraud They also checked if there was another account under my name but they did not find anything, according to them they had not used the credit line yet, the person who served me suggested this FTC site to report fraud on my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Ive been a customer of Wells Fargo since 2013 and would like to be included in the lawsuit against them for money being wrongfully taken out my account causing overdrafts

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 2023-01-30 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: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2023 please be sure to enter dates that all letters were sent. 

I sent disputes to XXXX, Equifax, and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them of the violations they were making to my consumer report. It has been over 30 days and they have failed to respond. I am attaching copies of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 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: EQUIFAX, INC.
State: PA

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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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.

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 explanation
Consumer complaint received 2023-01-30 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 — Overcharged for something you did purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Bank of America has irrepairably damaged their reputation by " insisting '' on charging me fees, and ignoring my calls, then ignoring my credit line increase & requests for additional cards.

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 2023-01-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
on XXXX XXXX I received a threating letter among other letters from a company stating that they are considering sending my account to an attorney in my state for possible litigation and to Please pay us no later than XX/XX/23. They amount they are looking to collect is {$1100.00}. This company is not register in Georgia as a Collection Agency, or a Debt collector so there for they can't collect on any behalf, and I never had an account with this consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AFNI INC.
State: PA

Complaint narrative:
Afni , Inc. has been attempting to take actions against me in the amount of {$2000.00}. It is showing on my credit report that the account was opened XX/XX/22. 

The original account was opened with my card by someone else, against my consent, and they signed their signature to open up multiple lines with sprint, but used my debit card to pay at the time of opening the account. 

I tried to inform the original creditor, XXXX, of this and they refused to close the account, even after the same person who opened the accounts without my consent, stole the phones and hijacked the account. XXXX would not allow me to close the account or remove any of the phones from the line. 

I have requested proof and a breakdown of all of the charges on the alleged debt as well and was not provided with that information. I also asked for proof of the original contract and the name listed, as it was signed by someone else and I have not been provided with competent evidence that I have any legal obligation to pay Afni , Inc .

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 00:00:00
Product: Credit reporting, credit repair services, 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: GA

Complaint narrative:
I did not authorized these inquiries and I have included the identity theft report as well. Please remove them. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023

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 2023-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
In accordance with the Fair Credit Reporting Act code 15 USC 1681, it is TRANSUNION 's duty to provide accurate and fair credit reporting. Failure to do so directly impairs the efficiency of the monetary systems and directly undermines public confidence within said systems. It is imperative that TRANSUNION only provide the most accurate and up to date reporting to continue the proper functioning of the banking systems.

TRANSUNION is reporting 5 late payments on the XXXX XXXX XXXX accounts ending in : XXXX XXXX XXXX XXXX XXXX All 5 of these accounts include a late payment of 90 days, set on the month of XXXX of year 2017. This is incorrect information being reported and shall be reported as PAYS or PAID AS AGREED. Furthermore, persuant to 15 USC 1666b, A creditor may NOT treat a payment on a credit card account under an open end consumer credit plan as LATE for any purpose, UNLESS the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not less than 21 days before the payment due date. Also adding in violation to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ), by furnishing any transactions as late payments. The term " consumer report '' does NOT include information solely as to transactions or experiences between the consumer and the person making the report. Therefore, late payments do constitute transactions and thus, TRANSUNION is in clear violation of my federally protected consumer rights.

Lastly I NEVER provided TRANSUNION with my express written consent to furnish these inaccurate late payments on to my consumer report and this in violation with 15 USC 1681b ( a ) ( 2 ).

These inaccurate and derogatory statements have caused myself and my reputation unnecesary harm and difficulty as a consumer and as a natural person. I have written this letter without ANY connection or affiliation with a third party.

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 2023-01-30 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC
State: NC

Complaint narrative:
I requested {$200.00} to solve an issue. The company sent {$600.00} in my account. I wanted to pay the {$600.00} back immediately as it can not solve the issues. They wanted me to wait and pay {$320.00} each month for 8 months. I have been telling them I want to pay immediately your {$600.00} but they have been refusing to take the money. I can not pay {$320.00} per month for a loan of {$600.00}. 
I communicated with them via emails and phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 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: PA

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. 

XXXX XXXX XXXXXXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # 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.

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 2023-01-30 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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : # XXXX, 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.

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 2023-01-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/2023 please be sure to enter dates that all letters were sent. 

I sent disputes to TransUnion, XXXX, and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them of the violations they were making to my consumer report. It has been over 30 days and they have failed to respond. I am attaching copies of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2023-01-30 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: TX

Complaint narrative:
On XX/XX/2023 please be sure to enter dates that all letters were sent. 

I sent disputes to XXXX, XXXX, and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them of the violations they were making to my consumer report. It has been over 30 days and they have failed to respond. I am attaching copies of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2023-01-30 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I recently discovered XX/XX/XXXX that I fell victim to EDD fraud in XXXX. I discovered this accidentally, but Im glad I did. I have filed a police report, made a hand written statement and provided my identification to Bank of America EDD claims. There is no time limit on fraud. If I would have known sooner, I would have reported it sooner, but I reported it as soon as I found out. Someone was in complete possession of my card that I had no idea had even been issued out, with a complete payment history. I filed a claim with Bank of America claims immediately it is now been 24 business days and I have been denied provisional credit and I have been told it will take more than 90 days to complete this investigation. This was money that was rightfully mine and was stolen from me. I provided all that I can as far as a police report, my hand written, statement and identification. I have not had any correspondence from them via mail, phone or email. I was told I would receive provisional credit after 10 days. As I am facing hardship, and the money is rightfully mine. It has now been 24 business days and there has been no update on the case. In fact, an agent on the phone told me they havent done anything and they can give me a provisional credit while they investigate because it will take so long but they havent. I am already having a hard time knowing that all of this money was taken from me and I know that they will come to find that out. Its only a matter of time, but in the meantime, I really needed that money then and I need it now and I dont think its right that they will not offer me even half provisionary credit during the time of their investigation that may take over three months And are not providing any kind of solution or compromise for me.

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 2023-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: NM

Complaint narrative:
In numerous occasions, I was charged overdraft fees. The payments should have been processed at the time but seemed like it was held back intentionally just like right now. I had enough funds for a reversal fee but they waited to process the amount until my account got low and that amount has finally been pulled from my account causing it to go negative and charging me overdraft fee. That seems to be a normalcy for Wells Fargo Bank. I already talked to a banker about taking my reversal charge on a Friday but they never did until this morning.

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 2023-01-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
American Express is harassing me. Notifications after notifications after requesting them to stop multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Several fraudulent accounts are reporting on my credit report as a result of identity theft. Equifax I was told would remove and block these accounts. On a call made friday the XXXX I was told that the fraudulent accounts would be blocked from appearing on my credit report within 72 hours and was given XXXX confirmation numbers supporting this. I called back today the XXXX to confirm this information and to ensure these accounts were removed and blocked from my credit report to which the representative informed me that the previous representative was lying to me and that the information would not be removed and blocked and said that I would have to go through another pointless dispute process. I tried to explain to representative that I had already went through the dispute process multiple times and that this issue was still not corrected she did not seem to care nor understand and instead offered to initiate a dispute

Company response to consumer: Closed with explanation