vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-13 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: FL

Complaint narrative:
OnXX/XX/2023, at XXXX XXXX XXXX. I loaded {$400.00} onto a Visa Vanilla Gift card, with the activations receipt included informing me that it was activated on XXXX end. I attempted for 20 minutes to activate and check the balance on their phone system and website. When I finally got through to customer service after 30 minutes, they informed me that my card was not activated correctly, but XXXX informed me that everything went smoothly on their end to activate the card. Vanilla could not manually activate my card and told me to send in my receipts and drivers license to make sure everything matched up. They also informed me it could take 30 days to receive any kind of answer or response from the company ( XXXX ) that handles these investigations. I bought this gift card in good faith that I would receive my money immediately after purchasing. I have attempted to contact my bank to see if they can issue a charge back, and submitted a complaint on the Better Business Bureau website. I am just looking to get this situation fixed and my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Last fall, I opened a Savings Account with Capital One, and on XX/XX/XXXX I deposited {$100000.00} of new money. I made an additional deposit on XX/XX/XXXX. On XX/XX/XXXX, I withdrew the {$100000.00}. 

Under the terms of their fall bonus promotion, I should be eligible for the 1 % on the {$100000.00}. They claim I withdrew the money too early. The term Initial Funding Period is not clearly defined as being a condition of the fall bonus but simply that the deposit has to be within that Period. The Deposit Amount was clearly maintained for 90 days : {$1000.00} bonus The new money deposited from an external bank during the Initial Funding Period was more than {$100000.00}, and you maintained that Deposit Amount for 90 daysXXXX XXXX XXXX XXXXXXXX I kindly ask your assistance with this issue. I reached out to the Bank XXXX as well as the XXXX XXXX XXXX but was of no help. I am sure many other consumers were also conned by them. 

Thank you very much!! 

XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Corp Solutions Inc.
State: MA

Complaint narrative:
Received e-mail in XXXX from Credit Corp Solutions Inc., a debt collection company. E-mail claimed that I owed XXXX the sum of {$1100.00}, claiming I withdrew funds from account before funds were paid out. 

To the best of my knowledge, I have not used any XXXX services in more than XXXX ( XXXX ) years, perhaps not before XX/XX/XXXX (? ). 

I contacted XXXX concerning the above, asking XXXX to verify the above statement and, according to XXXX, my account was in perfect order and I did not owe any funds to any person ( XXXX ), company or corporation. 

Last week of XX/XX/XXXX I attempted to log into my XXXX account and found my XXXX account locked out. I contacted XXXX and they referred me to Credit Corp Solutions Inc . I requested from XXXX as to why my account was locked and XXXX would not give me any information and told me to contact Credit Corp Solutions Inc . 

I contacted Credit Corp Solutions Inc. and Credit Corp Solutions Inc. told me that, according to XXXX, I removed all funds from my XXXX account before funds could be paid out to certain parties. 
I informed Credit Corp Solutions Inc. that something is wrong and I never purchased anything via XXXX. I only used XXXX to sell certain items and never purchased any items and that XXXX will not allow anyone to withdraw funds if money is owed.

Credit Corp Solutions Inc. claimed they would look into the matter. Credit Corp Solutions Inc. would not identify any involved parties that I allegedly owed money to. 

Received letter from Credit Corp Solutions Inc., postmarked XXXX XX/XX/XXXX, stating that Credit Corp Solutions Inc. had acquired this alleged debt, in the amount of {$1100.00} from XXXX and that now I must pay this alleged debt to Credit Corp Solutions Inc .

A total of four ( 4 ) items are listed, in various amounts. All four ( 4 ) items were made on the same day / year. These four ( 4 ) items are not mine, and are not identified by Credit Corp Solutions Inc. except for a date and dollar amount. 

Since XXXX refuses to discuss this matter with me in any form, and since Credit Corp Solutions Inc. refused to identify actual parties making these alleged claims of funds owed, I believe one of two ( 2 ) things are happening here : 1. Identify Theft being my XXXX account was hacked and this is a failure of XXXX to protect their account holders or 2. There is a collusion between Credit Corp Solutions Inc. and XXXX to make false claims to extort funds from account holders.

I have reviewed Credit Corp Solutions Inc. ratings on the XXXX XXXX XXXX XXXX XXXX XXXX website and there are numerous filings with the BBB of complaints against Credit Corp Solutions Inc. for fraud, exactly as I have described my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 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: FL

Complaint narrative:
Name : XXXX XXXX XXXX  XXXX Opened : XXXX XXXX ACCT : XXXX AMOUNT:XXXX PLEASE DELETE IMMEDIATELY Name : XXXX XXXX XXXX Opened : XXXX XXXX ACCT:XXXX AMOUNT:XXXX PLEASE DELETE IMMEDIATELY Name : XXXX XXXX XXXX Opened : XXXX XXXX ACCT:XXXX AMOUNT:XXXX PLEASE DELETE IMMEDIATELY I have tried contacting these companies and explaining that these accounts are not mine. They have not responded or given me a call back.

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 2023-07-13 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: FL

Complaint narrative:
Name : XXXX XXXX OF XXXX Opened : XXXX XXXX ACCT : XXXX AMOUNT:267.00 PLEASE DELETE IMMEDIATELY Name : XXXX XXXX XXXX Opened : XXXX XXXX ACCT:XXXX  AMOUNT:1200.00 PLEASE DELETE IMMEDIATELY Name : XXXX XXXX XXXX Opened : XXXX XXXX XXXX XXXX PLEASE DELETE IMMEDIATELY I have tried contacting these companies and explaining that these accounts are not mine. They have not responded or given me a call back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: SANTANDER HOLDINGS USA, INC.
State: IN

Complaint narrative:
I was Financed through Santander for a vehicle by way of XXXX XXXX in XXXX. I've had an Involuntary repo in XXXX through Santander. I was told by Santander, that if I released the vehicle, they would sale at auction & potentially could be pro-rated a paycheck after the sale of the vehicle via the auction. Santander has potentially sold the vehicle at auction and has yet to notify me, & the balance is still reporting negatively to all three credit bureaus. I have also contacted my GAP insurance provider ( XXXX XXXX & XXXX ) who I still have a premium & contract with to cover the cost & claim due to loss. I believe this balance should be taken off my report due to being Factually Inaccurate. - Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
My XXXX yr old father was hospitalized then transferred to nursing home lockdown unit. I have been estranged from my father off and on due to his abusive behaviors. When he was hospitalized I was asked by my elder uncle, Hospice and the VA to help because I am next of kin. I have done everything needed with POA paperwork we had signed back in XX/XX/2022 until I needed access to his banking accounts at BofA. I started jumping their hoops XXXX weeks ago and explained the situation I am in. After several attempts at becoming POA on his account they told me my POA was invalid because family members signed as witnesses. They said I must get new POA even though they have paperwork saying he is incompetent and unable to sign. I got to work with his team at the nursing home and the VA and Hospice. They made it happen after questioning my father for competence of signing that document. I took that POA back to the bank and they questioned the validity of that POA because they knew he had been deemed cognitively impaired because of previous statements they received. Mined you this is an account with maybe {$2400.00}. I am a Gold member at this bank for whatever that means. I need access to help my father and they keep coming up with new reasons as to why I cant be POA and deal with my fathers finances putting him at risk of being on the streets as he is dying. After getting the last POA a legal document with pages 1-11 and pages 11 being notarized on page 11 for the whole document they said I must have witness signature notarized on page 10. I made it happen with notary that signed the original documents. They then denied it because the notary they asked for made the document invalid because it wasnt back dated. I need help please.

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 2023-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Trans Union is not included my dispute statement in 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 non-monetary relief
Consumer complaint received 2023-07-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: NJ

Complaint narrative:
I have been going back and forth with the XXXX credit bureaus about these energy companies in Texas opening fraudulent accounts in my name. I filed a report back on XX/XX/2023 for the same exact thing. I live in New Jersey and have no ties to Texas. This is fraudulent activity obviously. Please look into this this and flag any further collections. 

Original Creditor : XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/2023 Balance : {$670.00} Collector : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX Original Creditor : XXXX XXXX Account # : XXXX Date Opened : XX/XX/2023 Balance : {$1100.00} Collector : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX Original Creditor : XXXX XXXX Account # : XXXX Date Opened : XX/XX/2023 Balance : {$280.00} Collector : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX Original Creditor : XXXX XXXX Account # : XXXX Date Opened : XX/XX/2023 Balance : {$320.00} Collector : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  WI XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NM

Complaint narrative:
I discovered two two charges for identical amounts for {$53.00} when I examined my most recent statement. I wrote to the Citicorp Visa approximately two days later advising that I knew nothing of the charges and requested that it be removed. Citicorp sent me documents by email on XX/XX/XXXX that were to be completed by me to certify that no authorized user on my account ( which I am the only one ) and I promptly completed same. 

On XX/XX/XXXX, a letter was generated by Citicorp to me advising that the investigation was complete, the charges were deemed to be legitimate, and that the provisional credits were reversed meaning that I owed the amount in question in the amout of {$100.00}. 

No information was provided as to how they made this determination. Upon learning of this letter, I again contacted Citicorp Visa and advised that this charge was indeed fraudulent, and it was incorrect for them to close an investigation, essentially calling me a liar, and removing the credits. The investigation was to be reopened and I was to be notified. This call took place on XX/XX/XXXX. 

I subsequently wrote a letter to the CEO of Citicorp, XXXX XXXX on XX/XX/XXXX. I have yet to hear back from her office. 

Today, I received my monthly statement with a closing date of XX/XX/XXXX which shows that the credits were still reversed, the charges were deemed to be 'legitimate ', and the original charges were re-applied. This tells me that the customer service manager to whom I spoke apparently paid me lip service and has disregarded my concerns.

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 2023-07-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc.
State: NJ

Complaint narrative:
I have been going back and forth with the three credit bureaus about these energy companies in Texas opening fraudulent accounts in my name. I filed a report back on XX/XX/XXXX  for the same exact thing. I live in New Jersey and have no ties to Texas. This is fraudulent activity obviously. Please look into this this and flag any further collections. 

Original Creditor : XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX  Balance : {$670.00} Collector : Online Information Services XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX Original Creditor : XXXX XXXX Account # : XXXX Date Opened : XX/XX/2023 Balance : {$1100.00} Collector : Online Information Services XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX Original Creditor : XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX  Balance : {$280.00} Collector : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX Original Creditor : XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX  Balance : {$320.00} Collector : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: REGIONS FINANCIAL CORPORATION
State: WV

Complaint narrative:
I had an new hvac system installed in my home in XXXX. The contractor offered financing with XXXX. I was approved and had the work completed. I started making payments right without issue. Fast forward to XXXX of XXXX I received a letter in the mail from XXXX stating they were changing over portals but that as an auto draft client I wouldn't need to do anything. In XXXX I noticed my payment wasn't auto drafted, so I called. I spoke with a representative who advised they were having issues with debit card auto drafts. I made a payment over the phone with her that day and she said I needed to set up a new auto draft with my bank account information. I gave her all the information and was told I would be fine for XXXX. XXXX came and two payments were deducted from my checking account. One went with the debit card and other went with my bank account information. I called XXXX and was advised that they did not see how that happened but that my account was credited for two payments and that I didn't owe anything until XXXX. XXXX came and once again they took two payments. At this point I tried to call XXXX again but the phone lines were down. I sent an email, no one responded. I contacted my bank and opened a investigation and advised them to please block any payments that they try to take. My bank finished the investigation and did show this was an error on XXXX part and refunded me the double payments. I contacted XXXX to try for a resolution. Every time I am told that they do not see any auto draft info. My online profiles have been deleted per my request, all payment info has been deleted per my request. XXXX came and they once again tried to take a payment, which was blocked. Each time this happens they are charging me a XXXX Insufficient funds fee which prompts me to call and have it reversed since none of this is my fault. They have reversed fees but no one can give a resolution. I asked to speak with a manager or supervisor in XXXX but no one called me back. As of today XX/XX/XXXX they have tried to take another payment. I called this morning right at XXXX when they opened, explained the entire situation again. I was advised a manager would call me back. I do not have confidence that I will receive a call back, I do not have confidence that this issue will be handled. I have been told by numerous representatives that I do not owe a payment until XXXX, no one knows why they would even be trying to take a payment. I would really like help with this matter. I have been dealing with this since XXXX, countless hours of hold times, repeating the entire lengthy story and zero resolution.

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 2023-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
On XX/XX/XXXX, I received an email ( in the middle of the night ) stating my online application for a new Bank of America checking account was in process, then received subsequent emails about my application, verifying email, etc. I called Bank of America Fraud department and opened a case the next day, was given a case number, and told this happens often but they would follow up. I froze my credit and put a fraud alert on my credit/SSN to be proactive. I never heard back from BoA. A month or so later, I got a bank statement for this account ( no activity on account ). In early XX/XX/XXXX, I had the same issue with opening a fake account in the middle of the night. I went to my local branch and they were not very helpful, stating I could not have any additional information on the account since I didn't open it. The branch manager said this happens a lot and the fake accounts are typically closed before the consumer is even aware that they were opened. OK, just a necessary evil it seems, especially since the accounts never have any activity ( no deposits or withdrawals ). Now on XX/XX/XXXX, I get yet another notification of a new account. By now I am desensitized and think these accounts will eventually just go away, so I ignored the email. Today I received a debit card for the account. I'm tired of wasting my valuable time pursuing this. If I call, it's at least 30 minutes to explain myself to the new person I've never talked to. If I go in, they give me no information. I have never received any follow up from the fraud case I have opened with them. I can not believe they can not block my social/email/something in their system for opening new accounts, as I will never knowingly do business with them after this.

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 2023-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XX/XX/2023 received the following emails addressed to me : 1 ) Bank of America asking me to verify email address 2 ) Bank of America informing me that my online application is in progress 3 ) Bank of America informing me that my application was approved On XX/XX/2023 received the following emails addressed to me : 4 ) Bank of America informing me that I am enrolled in online and mobile banking 5 ) Bank of America Welcoming me to online and mobile banking 6 ) Bank of America Welcoming me to mobile notifications on their Mobile Banking App. 

On XX/XX/XXXX, upon receiving these emails, I immediately contacted the Bank and informed them that I have not submitted any application online to open any account. The Bank closed the account. 

In my mail received the following from Bank of America related to the above account opening : 1 ) ATM Debit Card 2 ) Bank Statement for the period of XX/XX/XXXX to XX/XX/2023, showing {$0.00} balance. 
3 ) Account closure letter dated XX/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 2023-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I keep getting letters about an account in my name through bank of America. I even received a bank card with my name on it. I have never had any dealings with bank of America.

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 2023-07-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY

Complaint narrative:
Nissan Car that was on my bankruptcy calling a lot to collect debt constantly harassing with receiving letters in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 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: TX

Complaint narrative:
You are reporting this collection as an OPEN ACCOUNT which is not under FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been 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