vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-24 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
Thursday, XX/XX/XXXX Received a cashier 's check for {$1900.00} from a buyer of furniture I was selling on XXXX 's XXXX. I was suspicious of the check and attempted to call XXXX. They informed me they don't verify funds. Rather than do a mobile deposit, I drove to my local US Bank branch location. I shared the information with the tellers. They assured me the cashier 's check was legitimate and had the proper watermarks to indicate it was valid. They said it should post the following morning if, in fact, it was a legitimate cashier 's check. 

Friday, XX/XX/XXXX The deposit was posted to my account therefore from the information the tellers provided me the following day, I transferred via XXXX money to the buyer 's movers in the amount of {$1100.00}. Throughout the conversation with the buyer, I began to get an uneasy feeling and called the police. They advised me to file an internet crimes case with the FBI via XXXX and also file a police report. I did both and ceased any further money transactions with the individual. I advised the buyer he could provide an address for me to return the additional {$820.00} because I would no longer send any funds via electronic transfer. He began threatening me with physical harm so I blocked his number. 

Saturday, XX/XX/XXXX I phoned the fraud department of US Bank and advised them of the situation. They took down the information and said they would investigate. 

Tuesday, XX/XX/XXXX Received a letter from US Bank 's Digital Claim Services and was advised my claim was denied. 

Thursday, XX/XX/XXXX Phoned US Bank at XXXX to speak to the Fraud Department as to why my claim was being denied. The representative told me it was my fault I sent the money and there was no fraud since I initiated the money transfer from my own IPS address and had the proper login credentials to access the funds. 
I advised him that this was not in dispute if my transaction occurred. My fraud claim was based on the fact that the tellers at the branch location advised me the cashier 's check was legitimate and this information led me to process the money transfer of {$1100.00}. 
The agent then proceeded to tell me I was in the wrong for not correctly reading my terms of agreement when I opened the account and therefore there was no fraud. I asked to speak to a supervisor. He transferred my back into the phone tree system and my call was dropped.

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 2022-03-24 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: MD

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 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: MD

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-03-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Lendgo, Inc.
State: OR

Complaint narrative:
I was on the internet yesterday when an ad popped up from LENDGO.com for a mortgage rate of XXXX % on a 30 year fixed home loan. Excited at the thought of lowering payments when everything else I read is pushing 4 %, I punched in my info. Within seconds of it my phone started blowing up with phone calls, texts and emails from companies wanting to refi my loan. XXXX XXXX XXXX ) at XXXX XXXX was wanting to pull my credit even when I told him I didn't think he could do anything for me because of the inavavailabitly of rates. I have a current loan for XXXX-there 's no need to refi at a higher rate-it makes no sense to me not to mention, the 2 % isn't available. Mutual of XXXX ( XXXX ) also called and the guy I spoke to, I hung up on because he wouldn't drop the call when I said I wasn't interested if he didn't have a 2 % rate like Lendgo said. I now just had another call from ( XXXX ) and while personable, the guy got upset when I wasn't going to refi and wanted to thank me for him being able to make contact-very odd.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 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: Receivables Performance Management, LLC
State: FL

Complaint narrative:
I am receiving collections from RPM llc, and they are stating that I owe them XXXX. I believe this account is inaccurate and erroneous and is negatively affecting my credit report. I do not have any information regarding this account.

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 2022-03-24 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: MD

Complaint narrative:
I was a user on a corporate credit card, the company went out of business, the debt is showing on my personal credit report with Equifax, the other two reporting agencies removed it after my dispute in XXXX. 

The XXXX XXXX Credit Card account reflects closed and and charged off as of XX/XX/XXXX, however the balance owed has increased approximately $ XXXX since first reporting. If the account is closed and charged off how can the amount owed continue to increase? 

I just received an alert in XX/XX/XXXX that the balance has increased by {$5.00} with no explanation. I do not receive statements from the company and I have no access to the account. Additionally XXXX XXXX issued the company a 1099 for the charged off debt in XXXX so how can they still try to collect for it from an individual?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 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: IL

Complaint narrative:
I have sent dispute letters to Transunion, XXXX and XXXX several times. This is unlawful for these credit agencies to continue reporting inaccurate information on your credit reports. This is affecting my life. They are not verifying the information. Even after, I sent a snippet and explained the inaccuracy. This is not right or fair to the consumer. 

In accordance with the FCRA, XXXX XXXX  has violated my rights. The initial collector XXXX XXXX violated my rights. The collection was removed from Transunion and never appeared on XXXX. Now the account has been sold to XXXX XXXX  and the collection has reappeared on all bureaus with inaccurate information. This has taken my score down over 20 points.

15 USC 1681 602 A states I have the right to privacy.

15 USC 1681 604 A ( 2 ) states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681e ( b ) Compliance and procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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 2022-03-24 00:00:00
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I paid off a credit card Comenity ( XXXX ) in XX/XX/XXXX. I used my XXXX card. I kept getting calls from XXXX and called a number they left on my voice-mail. I told them I paid this off. They said they would correct it and send me a letter. They did not and reported me to the credit bureau. I disputed them with XXXX and it states account paid off never late. I have not been successful with the other credit bureaus by phone. I received another bill yesterday saying I owe XXXX and they reported me again to the credit bureaus. I called the account center automation and it said balance XXXX, acct closed the same day. I was pre-approval for a XXXX XXXX but was declined because of XXXX and my bureaus lowered my scores. I can not get a.person on equal or transunion to dispute this and I was successful with XXXX. I had this store card since XXXX and was never late. My account was closed in XXXX because the store closed yet I continued timely payments until I paid them off.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I had issue with Bank of America last week XX/XX/2022. 
I sent {$2000.00} to a wrong number by mistake. I called the Bank of America number immediately after I realized its a wrong number. 
After 2 hours of waiting, someone picked up my call and said they cant do anything at that moment and suggested me to call back on Monday. So I called back again, they filed a claim for the case eventually. 
And yesterday, they sent me an email saying they cant approve my case, because they cant reach that person. 
So basically I lost {$2000.00}. I informed Bank of America a couple hours that transfer was made. And also, the name of the person provided at the transaction doesnt even match with the number of that account. I am very surprised that the transaction even went through. 
I dont know why Bank of America made that decision. So I called the bank again this morning ( XX/XX/2022 ), the person said she is the manager of the dispute team, send she basically emphasize the decision has been made, there is nothing the bank can do right now. After over 11 years of being Royal customer, I felt really terrible the way they handle my case. 
And also, on top of that, on the same date, XX/XX/XXXX, I went to the bank store also since I was on the phone for like 2 hours. The associate basically said there is nothing they can do, and only ask me to stay on the phone and wait for the next available representative.

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 2022-03-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN

Complaint narrative:
In accordance with the Fair Credit Reporting Act these accounts listed below have violated my rights. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15. U.S.C 1681 section 602 A States I have the right to privacy. Section 604 A section2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC
State: DE

Complaint narrative:
Several Disputes asking to remove this alleged debt I am now demanding validation of debt failure to provide I am demanding deletion and removal from credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP
State: NV

Complaint narrative:
This letter serves as a formal request for a full refund on the product that I bought. 
I purchased a GIFT CARD on XX/XX/2021 and paid a total amount of {$500.00}. XXXX. The gift card was being used by some else. 
It seems that the product is defective and that it is not functioning properly. The specific problem with the product is that Gift Card is a scam, and the US bank is fully aware of the problem. The US bank duplicates gift card numbers. 
Gift cards can be tampered with at the store, she said, by XXXX who grab stacks of cards, remove the security tape from each gift card, and then take photos or write down the cards secret 16-digit activation code. 
Many times, the cards don't look like they've been tampered with because new security tape is placed on them. But consumers are warned nonetheless to be on the lookout for signs that someone damaged the card 's packaging. 
The bad actors, XXXX said, are able to use technology to monitor when the compromised cards are activated. Soon after money is loaded onto the card, the scammers will the use the activation code to steal the money. 
" As soon as that card hits the cash register, they're pinged, '' XXXX said. 
The value of the card can end up being drained by an outsider, without ever leaving your hands. 
I read your terms and conditions, and I am well aware that customers are entitled to a full refund for a defective product.

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 2022-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Santander Consumer USA Holdings Inc.
State: WY

Complaint narrative:
I have a car payment in the amount of {$840.00} a month, as of XX/XX/XXXX I have made payments in the amount of {$450.00} twice a month. In XX/XX/XXXX I made a total payment of {$790.00}. Then end of XXXX I made {$100.00} payment via XXXX XXXX card, a {$220.00} payment via my checking account on file and again {$450.00} payments every other week. The payment made in XX/XX/XXXX should and would have covered the remaining balance for XX/XX/XXXX. Via XXXX, XXXX and XXXX all three bureaus show paid on time for XX/XX/XXXX however, Chrysler capital is stating that I owe {$370.00} for XXXX!! I had to make a future secure payment in this {$370.00} amount for XX/XX/XXXX payment, that has already been paid several times over!! Chrysler then reported the account 60+ days past due knocking my and my spouses credit score XXXX points down. I have all bank statements and proof I have made these payments. My last payment ( s ) were XX/XX/XXXX {$230.00} out of my checking account and {$230.00} out of the XXXX XXXX card. I am so sick of Chrysler Capital not counting my payments towards the correct months, destroying our credit score as well. The employee I spoke with stated that I have been making payments partially in two amounts since the contract began, but as of XX/XX/XXXX Chrysler Capital is NOT accepting the payment spilt up like that and I must pay only on the due date which is the XXXX of each month. The employee confirmed that I have in fact been paying {$50.00} over the amount due each month, and I do have a 10 day grace period but since I do not pay the amount due on the XXXX that NONE of my payments have counted, and my vehicle is now up for repossession! Also, Chrysler Capital is illegally hitting my with a delinquent fee for everyday I make a payment that is NOT on the XXXX. The example given to me was as follows : If I make a payment in XXXX on the XXXX and XXXX of the month, but the payment due date is the XXXX, then both payments of {$450.00} will NOT count towards the monthly payment for XX/XX/XXXX, I will also be hit with a delinquent fee from the XXXX of XXXX to the end of the month and my car will be up for repossession. 
I have never been so frustrated and felt taken advantage of in my life. I have been making the payment monthly even though I am on unemployment, and Chrysler Capital has taken my payment each month since XX/XX/XXXX. How can a company take a payment but then say this payment does not count? How can they negatively effect my credit score? I need help correcting this

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 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: Santander Consumer USA Holdings Inc.
State: NC

Complaint narrative:
On XX/XX/XXXX a collection for Santander Consumer USA was filed and placed on my credit report. On XX/XX/XXXX I sent over a debt validation letter after months of trying to dispute this fraudulent account on my credit report in all three bureaus. They have consistently stated this account is mine and have not provided any proof nor documents as requested multiple times. They have violated my rights under the fair credit reporting act for not sending me documents to validate the debt nor remove it from my credit report. It has numerously came back accurate with no explanation whatsoever to the credit bureaus. This account has further prohibited me from obtaining other loans and credit accounts and has effected my financially and mentally.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 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: CITIBANK, N.A.
State: FL

Complaint narrative:
This complaint and the attachments need to be reviewed and responded to by management. 
I was upgraded to the Macy 's XXXX XXXX card in XX/XX/XXXX, included was an insert advising that if I charge {$500.00} outside of Macy 's by XX/XX/XXXX, that I would be eligible for {$50.00} in Macy 's XXXX XXXX. Originally, customer service clerk XXXX XXXX wrote on Macy 's letterhead dated XX/XX/XXXX, that I was not eligible for the promotion because I needed to either register through the website or call XXXX, THIS NUMBER IS FOR XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I do not know what kind of XXXX  employees Macy 's employs, but this is a huge risk and embarrassment! The letter the clerk wrote and the promotional Macy 's credit card insert is enclosed. The insert has NOTHING on it even in the terms and conditions mentioning you need to call a XXXX XXXX XXXX to enroll your Macy 's XXXX XXXX card for a promotion!

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 2022-03-24 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Our credit card was used fraudulently to make charges at over 3 stores totaling over {$14000.00}. Though we have disputed the charges twice and spoken to their fraud department on several occasions, Chase is failing to clear the transactions. On XX/XX/2021, our card was used at XXXX  Store # XXXX in the amount of {$1200.00} ; XXXX XXXXXXXX XXXX XXXX in the amount of {$4100.00} ; XXXX XXXX # XXXX in the amount of {$9000.00} ; and others. We have since filed a Fraud Report with the FTC and a crime report with the XXXX Police Department. 

These 3 charges were made on the day of XX/XX/XXXX prior to around XXXX at which time we received a text message about possible fraudulent activity at XXXX XXXX XXXX in the amount of {$2900.00}. We replied " NO '' to the text that this was in fact not us using the card at which time the card was canceled. 

It was not until we received our statement that we found the additional charges mentioned above. Chase failed to notify us of the extremely large charges made prior to this. Chase has not been responsive in assisting us with our claim of unauthorized transactions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-24 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I called you for my disputed items, again for the XXXX time. I did try to call XXXX XXXX to have a settlement, but they ended up asking for XXXX. from a XXXX loan. 
like expected because why would you offer me lower amount when I'm the one calling? 
yeah Transunion should delete this account because it will be 7 years this XXXX. 


You keep telling me that these accounts are verified but XXXX XXXX couldn't even pull my account because the loan is so old. I have everything recorded on the phone where I called them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief