vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I had three credit cards with Bank of America, 2 for over 20 years and 1 for 8 years. I didn't have a balance due on any of them. Then in XXXX XXXX XXXX XXXX charged one of the cards {$120.00}. I didn't know about the charge and I missed the email from Bank of America about a payment due on XX/XX/XXXX. Bank of America does not send paper statements or bills to me, I asked them before to resume paper statements. I saw an email on or about XX/XX/XXXX saying that a payment was due on XX/XX/XXXX. I immediately called Bank of America and explained what happened, I then paid the bill in full, {$140.00}, the XXXX fee plus a {$25.00} late fee. The next day I got an email from XXXX XXXX saying that one of my bank accounts was closed. I got three letters, dated XX/XX/XXXX, that day from Bank of America saying that they closed two of my accounts and the one with the charge had the credit limit reduced to {$500.00}. I called Bank of America and tried to explain things to them, that I didn't know that XXXX had charged my account and that I paid off the balance in full when I learned about the charge. The woman said there was nothing that she could do about the closed accounts. Perhaps I could get the credit line increased on the open account. I was so disgusted with B/A that I told her to close that account. I had two of these accounts for over 20 years and the other one for 8 years. I didn't know about the charge and it was less than 30 days late, when I paid it in full. What is most absurd is that on the three letters that I received, it was stated that XXXX accounts were being acted upon because they checked my FICO score and it was an XXXX. I believe this is an unfair trade practice, at the very least it is just not good business.

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 2021-09-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NRA Group, LLC
State: PA

Complaint narrative:
INFORMED THE COMPANY THAT THE DEBT DOES NOT BELONG TO ME. ASK FOR PROOF THAT THE DEBT IS MINES AND THEY HAVE YET TO SEND ME ANYTHING WITH MY SIGNATURE. ASKED THAT THEY STOP REPORTING FALSE ITEMS TO MY CREDIT FILE

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 2021-09-21 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings
State: AZ

Complaint narrative:
Contact made on XX/XX/2021 to set up payment plan. When I stated that I was not able to pay full amount and would like to set up a payment plan they became completely irate demanding that I pay full amount with a credit card. Stated that they would take full payment for deleting off credit but would not. Provide any proof of this. They threatened to ruin my credit and garnish my wages.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Hey I have been a Victim of Identity theft to where someone at my old address got a hold of a pre approval letter and somehow my ssn and tried to apply for a credit card. I opt out but the bureaus wont delete this obsolete information from my report

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 2021-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Hey I have been a Victim of Identity theft to where someone at my old address got a hold of a pre approval letter and somehow my ssn and tried to apply for a credit card. I opt out but the bureaus wont delete this obsolete information from my report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: ONLINE Information Services, Inc.
State: NC

Complaint narrative:
I believe this company is owned by a property management company and abuse their power to extort money from previous tenants.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc.
State: AL

Complaint narrative:
Credit card company is committing fraud. I paid off this account and closed it months ago. The bank is rude and refuses to go back and listen to recording when account was closed. The bank is charging me late fees and turning it into credit bureau. I owe nothing to this bank that is committing fraud against me

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-21 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
On XX/XX/XXXX my wallet was stolen and multiple charges were made on my Chase debit card, totalling approximately {$220.00}. 

XXXX XXXX XXXX XXXX NY XX/XX/XXXX ( ... XXXX ) Card {$14.00} See details about this transaction XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX  NY XX/XX/XXXX ( ... XXXX ) Card {$7.00} See details about this transaction XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NY XX/XX/XXXX ( ... XXXX ) Card {$200.00} I did not authorize these transactions, as my card was stolen. I filed a claim with Chase and they issued me a temporary credit, but then reversed it a few weeks later. I called them and asked why, and I found out that the claim was filed incorrectly by Chase, so I submitted another one. A few weeks later, that one was also reversed, and I called and learned that they had filed it incorrectly AGAIN. However, I called again and they filed it correctly, but today they reversed the claim and have overdrafted my account. I called and they said that purchases were made after the card was reported stolen, but the purchases that were made were tips for a restaurant order and a grocery delivery, which I had authorized prior to my card being stolen and that I can not open a new claim. 

To help prove my wallet was stolen, I have attached confirmations of ordering new cards and a new driver 's license.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-21 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX {$4700.00}, I have spoke with the creditor and filed an identity theft report and they refuse to remove this item from my credit report. XXXX XXXX  XXXX {$1300.00}, I have spoke with the creditor and filed an identity theft report and they refuse to remove this tem from my credit report. XXXX XXXX XXXX {$10000.00}, I have spoke with the creditor and filed an identity theft report and they refuse to remove this item from my credit report. XXXX XXXX XXXX {$3100.00}, I have spoke with creditor and filed an identity theft report and they refuse to remove this item from my credit report. XXXX XXXX XXXX {$57000.00}, I have spoke with the creditor and filed an identity the report and they refuse to remove this item from my credit report. XXXX  XXXX XXXX XXXX XX/XX/XXXX {$790.00}, I have spoke with the creditor and filed an identity theft report and they refuse to remove this item from my credit report. XXXX XX/XX/XXXX {$310.00}, I have spoke with the creditor and filed an identity theft report and they refuse to remove this item from my credit report. XXXX XXXX XXXX XX/XX/XXXX, I have spoke with creditor and filed an identity theft report and they refuse to remove this item from my credit report.

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 2021-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: NY

Complaint narrative:
I Ive in XXXX XXXXXXXX ny so I dont know if youd be able to help Ive seen other stories youve done on chime and I thought that you could help I lost my phone on XX/XX/2021 the next day {$2500.00} was taken from my chime account ghe next day I immediately order new phone and filed a dispute that did nothing as chime said no error occurred even though I showed them emails from my phone provider showing my phone was missing and that they had sent out a new phone to me, on XX/XX/XXXX I had a {$25.00} and {$2400.00} transaction from XXXX as I told the chime agent on the phone my XXXX  account is on my phone they could easily add money to the XXXX  account from my bank card I then again opened another dispute chime denied that dispute for {$2400.00} but approved the {$25.00} one although they were taken at the same time from the same merchant Ive filed XXXX  complaints, FDIC complaint and nothing then on XX/XX/XXXX I reported that money had been removed from my savings and put in my checking an hour later there was a {$2000.00} XXXX XXXX payment which all of these where unauthorized like I told the chime agent I never make a ton my account for more than {$400.00} I really need help I dont what else I can do Ive sent them screenshots of emails from XXXX and XXXX which they both confirmed that my phone was stolen and my accounts where hacked

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Netspend Corporation
State: CO

Complaint narrative:
there was a transfer done in my account all the money was gone i cant call fraud. there is no record of my account, i have a record of my deposites and no card to put it on can you please look at this 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 explanation
Consumer complaint received 2021-09-21 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:
Clarity services has two fraudulent accounts appearing on my clarity services report. There is a charged off XXXX acct and a charged off XXXX Account, charged off XXXX  acct. I filed bankruptcy XX/XX/2021 this was discharged XX/XX/2021. These accounts were also included because of the identity theft. Yet clarity services is attempting to show these as charge offs and trying to collect on the Accts. These accounts arent collectible as they were discharged. Its illegal to continue to falsely report these.

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 2021-09-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Regarding Complaint ID # XXXX : THIS IS NOT A DUPLICATE COMPLAINT! 

The previous claims submitted were denied EXCEPT the first one! The remaining claims STILL NEED TO BE ADDRESSED THOROUGHLY! They were denied due to payments delayed due to change of address of your processing center. 

Per the attached statements, the address was not corrected on my statements until the XXXX statement! These payments required additional time to process, but not due to MY PAYING LATE!! How was I to know the address changed without notification until XXXX? 

Therefore, ALL interest charged on XXXX statement, {$17.00} : XXXX statement, {$10.00} ; and XXXX statement, {$7.00} should be credited back!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SinglePoint GI
State: PA

Complaint narrative:
I DO NOT RECOGNIZE THIS DEBT. I HAVE ASKED THE COMPANY TO PROVIDE ME PROOF OF THIS DEBT BUT THEY ARE NOT ABLE TO PROVIDE ME ANY DOCUMENTS WITH MY SIGNATURE AGREEING THE THIS UNKNOWN DEBT. PLEASE REMOVE!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: MO

Complaint narrative:
I used CashApp to purchase items from a seller on social media. When the seller did not deliver the products purchased I tried to dispute the transactions and was told I couldnt dispute pending transactions. Then when completed I was told I couldnt dispute completed transactions. Now Im out {$1000.00}, still have no products I purchased and CashApp wont even talk to me about them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I bought some jewelry a couple of years ago at XXXX XXXX. I was told that it was 0 % interest for a certain period of time ( XXXX XXXX XXXX XXXX ), Nothing was mentioned that if it was not paid in full that I would have to pay cumulative interest. I didnt even know cards like that existed. I just figured I would pay interest on the remaining balance if it was late. In XX/XX/2021 a few days before the promotion was over I reached out to them to get my account number. I wanted to transfer the remaining balance ( approx {$900.00} ) to a 0 % interest credit card. I needed my account number to do the transfer. They did not provide it to me. I also called and they dont provide account numbers over the phone. The also said it would be mailed to my home in my monthly bill. That doesnt help me because my statements are paperless. I could not find the account number online. I feel like they withhold the number to prevent people from transferring their balance. The other night saw a huge increase ( approx {$3000.00} ) in my statement. This is when I learned the interest charged was cumulative. That night I took money out of my savings and paid the remaining XXXX plus balance. I didnt pay the {$3000.00} interest. I was hoping they would be reasonable and see I paid off the interest free balance. I cant believe credit cards like this are legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
To whom it may concern, I recently pulled my reports and noticed you are reporting the incorrect balance for this account XXXX Account # XXXX. Because the balances being reported by your company and TransUnion, XXXX, & XXXX are different, this means the account has not been properly verified. Charge off account showing currently showing past due. This account was paid and still showing balance. 
Please delete this account immediately

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 2021-09-21 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: EQUIFAX, INC.
State: TX

Complaint narrative:
To whom it may concern, I recently pulled my reports and noticed you are reporting the incorrect balance for this account XXXX Account # XXXX. Because the balances being reported by your company and XXXX, Equifax, & XXXX are different, this means the account has not been properly verified. Charge off account showing currently showing past due. This account was paid and still showing balance. 
Please delete this account immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
To whom it may concern, I recently pulled my reports and noticed you are reporting the incorrect balance for this account XXXX Account # XXXX. Because the balances being reported by your company and XXXX, XXXX, & Experian are different, this means the account has not been properly verified. Charge off account showing currently showing past due. This account was paid and still showing balance. 
Please delete this account immediately

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 2021-09-21 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:
Please remove the accounts on my credit report because those are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 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: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
I AM XXXX XXXX AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED ( ACCOUNT # XXXX ), THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS. PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE FCRA, FDCPA, AND TILA ACT/ TRUTH AND LENDING ACT DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! UNDERSTAND THAT YOURE UNDER PENALTY OF PERJURY. Ally Financial , Inc violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681 ( A ) ( 2 ), 15 usc 1692j ( a ), 15 usc 1681e ( b ), and 15 usc 6801 ( a ) ( 1 )

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 2021-09-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
I DO NOT RECOGNIZE THIS DEBT. I REACHED OUT TO COMPANY AND NOT HEARD BACK IN OVER 30 DAYS. THEY HAVE NOT PROVIDED ANY DOCUMENTS WITH MY SIGNATURE SHOWING THAT I OWE THIS DEBT. I DO NOT RECOGNIZE THIS ACCOUNT. PLEASE REMOVE FROM MY CREDIT REPORT IMMEDIATELY!

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 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:
Equifax is reporting 3 fraudulent inquiries on my credit file I didnt authorize. Equifax is also reporting a XXXX XXXX  Credit Card which shows as open. This account isnt open. The card for XXXX XXXX  was discharged in my chapter XXXX bankruptcy XX/XX/XXXX also attached. Please update that account you are incorrectly reporting. XXXX  received notification and can not collect on that debt further. 

The fraud inquiries are XX/XX/XXXX XXXX XXXX. 
XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 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: SC

Complaint narrative:
The following inquiries from unknown companies. I have no recollection of doing business with any of the companies listed below. These inquiries occurred without my knowledge and need to be removed immediately. 

1. XXXX XXXX XXXX XX/XX/2020 2. XXXX XXXX XXXX XX/XX/2020 3. XXXX XXXX XXXX XXXX XX/XX/2020 4. XXXX XXXX XXXX XX/XX/2020 5. XXXX XXXX XXXX XXXX XXXX XX/XX/2020

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