vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-14 00:00:00
Product: Credit 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I took out a credit card from Bank of America for me and my son to use as authorized individuals. The limit to be borrowed on the credit card was set by Bank of America at {$11000.00} and I agreed to that limit. Subsequently, my son, who is emotionally challenged and became XXXX, made thousands of dollars of purchases in excess of the agreed-upon limit, up to over {$19000.00}. These purchases occurred in XXXX and XXXXXXXX XXXX XXXX I was never notified that he had exceeded the {$11000.00} limit, and was unaware of the extent of the excess until the XXXX statement arrived. The purchases and dates are so many that it is not practical to list them individually here. Rather, I have attached the relevant bank statements, which detail the purchases, the amounts, and the dates of the purchases. I am also attaching the letter my husband sent to Bank of America outlining the facts in this case, as well as the relevant portion of the Credit Card Agreement, the terms of which were set by Bank of America and agreed to by me, as evidenced by my use of the card after reading the Agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 00:00:00
Product: Credit reporting 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: AL

Complaint narrative:
RE : Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 
15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reportingThe Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Failure to Comply or delete these items 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In generalAny person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; 15 U.S. Code 1681o Civil liability for negligent noncompliance- ( a ) In general Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure ; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

Under 15 US Code 1681a ( 4 ) as a consumer I have right to privacy and this bankruptcy must be deleted from my consumer report or i will seek monetary damages in small claims court in my city and state. Also i already sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission. 
U.S. bankruptcy Public filed

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 2024-04-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: DISCOVER BANK
State: FL

Complaint narrative:
Back in XXXX i filed a complaint with Discover Card over a series of charges from XXXX XXXX on my credit card. I don't use XXXX XXXX. I don't have XXXX XXXX charges, it kept happening and kept asking for details and please make it stop. They kept investigating and said they would get back to me but never got me an answer for what the charges were for and placed the charges back on my account. I went through this with them a few times in XXXX again and again. 

Discover card claims on multiple different methods but even the chat representative : " You are never responsible for unauthorized purchases on your Discover card. '' But they cant tell me what those unauthorized charges were and just charge me. 

I got this message today from their service representative : Hello! I'm XXXX, a live agent in our Illinois location. I'd be more than happy to help you today! Thank you for being such a loyal Card member with Discover, we surely appreciate you! I understand you are frustrated as you mentioned you have been getting charges that your don't recognize. You are never responsible for unauthorized purchases on your Discover card. Have you been able to speak with our security team so we can flag these transactions?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Colony Brands, Inc.
State: FL

Complaint narrative:
I have disputed this debt 10 or more times through the company and the credit bureaus, they continue to insist that the debts are mine, and not identity theft. I don't have the money to pay for these debts that are the result of identity theft, I have blemishes on my credit reports because of their refusal to remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Capital one emailed me on XX/XX/24 they were closing my checking account and would transfer the funds to an external account linked which I have ; within XXXX business days. On Friday XXXX it has not yet been transferred to me. I called twice and the service rep threatened me the first time and the second time I called Saturday XXXX the rep told me they had called the XXXX whom was in charge of the closure and had send the request to transfer funds out but it hadnt been approved yet. 

The email on XXXX stated also that to cancel any checks or deposits coming in as the account was restricted for use. I changed my direct deposit for work but payroll was already in for the week and this to my understanding since the account was restricted it would not accept it and kick it back to work. Capital one still accepted it so since Tuesday with a health condition I have went on nothing no gas no medicine and no access to it since they have not transferred my funds to me as they said they would do in the email by Thursday or Friday. It is Sunday and I am without a dime. I cant not have access to my money. I wont have gas to get to work and my funds capital one has not transferred yet. I cant wait XXXX days for a check. The email clearly stated on XXXX in XXXX to XXXX business days they would transfer the funds if an external Checking account is linked and it is.. I need my money sent to me or I have no access to help for my health condition or gas to work. I had XXXX in the account and then they allowed my pay Friday to be deposited when they said it was restricted and held it too. I have XXXX plus dollars capital one is holding and not a dime to my name I can access until they send my funds to my external account. I will run out of food if they mail a check long before. Or lose my job because all the money I had is stuck in the bank and I could not get gas after today.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Hello : I noticed charges from XXXX in my personal checking account. I contacted both XXXX and my bank to stop these charges and reverse them. When I contacted XXXX, they only email me back and said the charges are authorized. I emailed them again with no response. I also contacted my bank to ask them to stop charges, as these are not authorized and have been recurring on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CBC Companies, Inc.
State: GA

Complaint narrative:
XXXX XXXX Innovis are reporting incorrect information on my consumer report. They have several name variations and address that do not belong to me. I did not receive any solicitation from XXXX to dispute this information before they released it and caused me to be denied credit that is my right. Under whose authority is XXXX working because federal law states they are required to report accurate information. My name is XXXX XXXX and my address is XXXX XXXX XXXX XXXX, GA XXXX any other address is incorrect. 

( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I noticed several unauthorized inquiries on my credit report that I would like removed Inform them that according to the FCRA these unverified and unauthorized items must be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I filed a complaint regarding inaccuracies listed on my credit report and they were reviewed and the credit bureaus listed additional file that aren't mine. Improper use of my credit and violation of the privacy act of 1949.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
This company forced me into a Covid forborbearance I paid them one time XXXX then told that was not enough to getvoutbof forbearance I needed XXXX more did not return me the XXXX nor did they credit me for it. I was told by VA to apply for partial payment relief I asked Carrington about this in XXXX of XXXX they said that that program is not available I finally hot a hold of va rep again I'm early XXXX of XXXX he laughed at me and said of course they not going to let me have that they want me in a 40 year high interest remod but the program is good. I was given information to ho back to Carrington to show them that partial payment was an option they said that is to late that it takes 3 months to get approved for that program and I said I've been asking for that program for months they said thy didn't know it was an option until I told them about it. I've tried to get back in touch with rep was unsuccessful. I have asked for new rep at va as well. Got another letter from VA saying I was approved for partial payment contacted Carrington they are now demanding twice what I owe and trying to push again payments twice as high as my original payment they broke the law they forced me to do alm this and everyone there that has helped me or has seen what they done to me has been fired. I had one manager say he was going to get this resolved and help Me even if he would have to place a special forbearance as long as I paid it all off by original mature date I said yea. I was 5 years ahead on mortgage anyway which I get no credit for as I have always paid at min XXXX above payment and as high as XXXX above payment just one month I became disabled we had a hurricane and whole family had covid one month I needed help they said only option I had was to place it in forbearance and ever since then only way to get out is to pay this high amount of money all at once now they saying they taking it to court to get an foreclosure date thatbi have 10 days to accept this stupid remod that doubles. The time left on my mortgage with double the payments and still have a huge lein on side I got a call from someone at Hud said they got my case and money is available someone will reach out to help but I'm told Carrington stopped that. How can Carrington stop HUD

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CULLEN/FROST BANKERS, INC.
State: TX

Complaint narrative:
In XXXX XXXX XXXX, fell victim to my Frost Bank issued debit card being used fraudulently and reported the fraudulent transactions to the bank. Bank closed account, advised me that I would not receive provisional credits, and would receive any credit only after the fraud team completed their investigation ( 90 days ) and made a determination that the charges were indeed fraudulent. During this time, the account was at a {$0.00} balance ( was not negative in the amount of the disputed transactions ). After the 90 day investigation period, the local branch manager overseeing my fraud case called me to advise that the investigation was completed and that it was determined that fraud had occurred. She advised me to come to the branch to pickup my cashiers check in the amount of {$1200.00} ( may be off slightly ), which would effectively zero out the account for the closure already planned/in affect. After another XXXX days from picking up the cashiers check, the branch manager called me to advise that the decision had been reversed, and that my account was negative in the amount of the cashiers check that the bank issued me, and that I would need to repay the bank this amount to avoid the account being sent to collections and the unfavorable account history reported to consumer reporting agencies. When I asked how this was possible that they could reverse their decision after the 90 day investigation period had completed, they made a determination in my favor, and issued me a cashiers check, she did not know the answer and commented that she had never seen this happen before and that it was just what she was told. I asked to speak with someone directly in the Fraud department, but was advised that the bank did not allow this type of interaction. The account has been sent to a collections agency, and the poor account performance was reported to consumer agencies. This has been extremely damaging to my financial well being, making it impossible to open accounts. All of this after I had been a victim of fraud and patiently waited 90 days for {$1200.00} of my money that was stolen from my debit card to be returned to me. The impacts and cost long term have now far surpassed the original amount disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

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. Account name : XXXX XXXX, has violated my rights. 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 non-monetary relief
Consumer complaint received 2024-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Global Lending Services LLC
State: GA

Complaint narrative:
I have reached out to XXXX, XXXX, & XXXX and told them I have noticed unauthorized hard inquiries on my credit report thats Im not aware of. I have already mail in my letter to all credit bureau and not they saying for me to do a FTC Report. The hard inquiries are from XXXX Im not aware of.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I XXXX XXXX XXXX XXXX ; in XXXX XXXX, Affirm under penalty of perjury under the laws of the United States of America that this statement is true and correct ; I XXXX XXXX XXXX XXXX Affirm ; that my Given Birth Name is XXXX XXXX XXXX XXXX I was Born on XX/XX/2000, My Mailing Address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Affirm ; That any other Person Identity Information that reflects Different than the above mentioned Affirmed Facts are inaccurate, I Demand all Inaccurate Person Information to be immediately updated to the accurate information. 

Included you will Discover XXXX XXXX XXXX XXXX ; Certified Birth Certificate which will Further Affirm my Giving Name, My Birthdate and Correct Age As this Inaccurate Information has damaged, & Violated XXXX XXXX XXXX XXXX ; Rights to Privacy, image, name, and likenesses, reputation and also physically and Emotionally since the report appeared ; In accordance with 15 U.S.C 1681 1. I have Presented Proof of Identity ; Certified Copies of my Birth Certificate ; Affirming my Giving Name, My Birthdate and Correct Age 2. Affidavit of Truth 3. I have presented proof of Inaccurate information thats on my consumer file In accordance with 15 U.S.C 1681 & the Fair Credit Reporting act Equifax has violated my federally protected consumer rights to privacy And Violated Multiple U.S. Codes ; 15 U.S.C 1681 ( a ) ( 4 ) - There is a Need to insure that Consumer Reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers rights to privacy 15 U.S. Code 1681 ( e ) ( a ) - Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title. 

15 U.S. Code 1681 ( e ) - 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 response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
XXXX XXXX, AND FORCEFUL DISCLOSURE OF MY PERSONAL INFORMATION : RE : [ CITICARDS CBNA XXXX ], I requested that citibank send me evidence of their obligations in accordance to 15 USC 6802 which must be observed before they share my nonpublic personal information with non affiliated third parties in the likes of the following corporations : XXXX, XXXX, AND XXXX. they refuse to provide me this information. they only sent me the terms and agreement of the credit card. the terms of agreement states that you may report if necessary. however you IN FACT are governed by your obligations in accordance to 15 USC 6802 which requires certain protocols that you must observe to me as a consumer before you may report such information. Failure to observe such obligations will constitute to a data bridge of my nonpublic personal information. this is my last complaint here on the CFPB. my further action if you fail to resolve this situation will be to pursue legal actions for leaking my personal information to non affiliated third parties.

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