vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY
State: LA

Complaint narrative:
American Express Bluebird card has permanently suspended my account with a balance of {$8900.00}. I just received an email on XX/XX/2020 stating that balance. I have not been able to get to those funds since some time in XX/XX/2020. I call them continuously and no one has any information to give me because of my account being frozen. All they tell me to do is write a letter and mail it to them, which I did and still have yet to get a response. I need help getting these funds released.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-31 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: EQUIFAX, INC.
State: FL

Complaint narrative:
This is my second attempt at recently rectifying XXXX inquires that are fraudulently reporting on my Equifax credit report. I have contacted XXXX and they assured me that the fraudulent inquiries would be removed and they are currently still reporting. I have contacted Equifax more than 6 times about this and they advised me that they have been corrected. Both Equifax and XXXX are not providing correct information. These fraudulent inquiries are still reporting as of today XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-31 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Second attempt at resolving the issue. 

As I received a current Equifax credit report I noticed that they are reporting fraudulent inquiries from XXXX XXXX XXXX  cards I have never authorized. 

XXXX XXXX XXXX XXXX XXXX XXXX Equifax has not contacted me in over 30 days for some and XXXX XXXX XXXX has contacted me stating that they are going to be removed. I have not seen any updates to Equifax. Both companies are not in compliance with the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-31 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: EQUIFAX, INC.
State: TX

Complaint narrative:
After reviewing my credit report I noticed there were fraudulent inquiries on my credit file. I have no knowledge of these hard inquiries and they do not belong to me. I have a fraud alert on my credit file and was not notified of someone applying for credit in my name. My phone number is listed on my fraud alert and no one contacted me to validate if I was applying to extend credit. These are fraudulent and needs to be deleted immediately off my credit file. I reached out to the creditors and they wasnt able to provide me with any information on the inquiries or who attempted to get credit in my name. The inquires are listed below : Equifax : XXXX XXXX XXXX XXXX XX/XX/20 Equifax : XXXX XXXX XXXX XXXX XXXXXX/XX/20 Equifax : XXXX XXXX XXXX XXXX XX/XX/20 XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/20 XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XX/XX/20 XXXX  : XXXX XXXX XXXX XXXX XX/XX/20 XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/20 XXXX  : XXXX XXXX XXXX XXXX XX/XX/20

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: AMERICAN EXPRESS COMPANY
State: LA

Complaint narrative:
American Express Serve card has permanently suspended my account with a balance of at least {$4100.00} from a dispute that was in my favor. There was also a balance of around {$500.00}. They closed my account while the dispute was being investigated so they never had intentions of giving me my money. That money was also direct deposits from my unemployment from Washington state so isnt that illegal for them to hold those funds? I have not been able to get to those funds since some time in XX/XX/2020. I call them continuously and no one has any information to give me because of my account being frozen. All they tell me to do is write a letter and mail it to them, which I did and still have yet to get a response. I need help getting these funds released.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
The collection agency is doing hard pulls on my credit file that are not authorized. This is in regards to an account that has already been paid for through another collections agency ( XXXX XXXX ). I have contacted the collections company and informed them that this is not a valid debt. I have asked them to remove it from my credit file. They did not. I have disputed the incorrect information on my credit file to no avail. I have the receipt from the previous debt collection agency that shows payment ( XXXX XXXX ).

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 2020-10-31 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: TX

Complaint narrative:
After reviewing my credit report I noticed there were fraudulent inquiries on my credit file. I have no knowledge of these hard inquiries and they do not belong to me. I have a fraud alert on my credit file and was not notified of someone applying for credit in my name. My phone number is listed on my fraud alert and no one contacted me to validate if I was applying to extend credit. These are fraudulent and needs to be deleted immediately off my credit file. I reached out to the creditors and they wasnt able to provide me with any information on the inquiries or who attempted to get credit in my name. The inquires are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/20 XXXX  : XXXX XXXX XXXX XXXX  XX/XX/20 XXXX  : XXXX XXXX XXXX XXXX XX/XX/20 TransUnion : XXXX XXXX XXXX XXXX  XX/XX/20 TransUnion : XXXX XXXXXXXX XXXX XXXX XX/XX/20 TransUnion : XXXX XXXX XXXX XXXX XX/XX/20 XXXX : XXXX XXXX XXXX XXXX XX/XX/20 XXXX : XXXX XXXXXXXX XXXX XXXX  XX/XX/20

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 2020-10-31 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
After reviewing my credit report I noticed there were fraudulent inquiries on my credit file. I have no knowledge of these hard inquiries and they do not belong to me. I have a fraud alert on my credit file and was not notified of someone applying for credit in my name. My phone number is listed on my fraud alert and no one contacted me to validate if I was applying to extend credit. These are fraudulent and needs to be deleted immediately off my credit file. I reached out to the creditors and they wasnt able to provide me with any information on the inquiries or who attempted to get credit in my name. The inquires are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/20 XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/20 XXXX : XXXX XXXX XXXX XXXX  XX/XX/20 XXXX : XXXX XXXX XXXX XXXX XX/XX/20 XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XX/XX/20 XXXX  : XXXX XXXX XXXX XXXX XX/XX/20 Experian : XXXX XXXXXXXX XXXX XXXX  XX/XX/20 Experian : XXXX XXXX XXXX XXXX  XX/XX/20

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 2020-10-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: TX

Complaint narrative:
Id like to bring to your attention a case where I have been charged excess PMI ( Private Mortgage Insurance ) on my Home Mortgage, even though my loan to value ratio fell below the required limits a while ago. 

I have sent several emails & made phone calls, but have been stonewalled into automated responses and noncommittal responses. 

Here are the details of my Home Mortgage Provider : My loan provider name : The Money Source Inc. | My loan provider address : XXXX XXXX XXXX, XXXX, NY XXXX My loan provider contact number : XXXX My loan provider NMLS number : XXXX XXXX My loan provider servicing location address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX CT, XXXX My loan provider servicing location NMLS number : # XXXX My loan provider servicing location address : XXXX XXXX XXXX, XXXX XXXX AZ XXXX My loan provider servicing location NMLS number : NMLS # XXXX Here are the details of my Home Mortgage : Loan number : Loan type : Conventional w/PMI - XXXX Closing date : XX/XX/XXXX Maturity date : XXXX, XXXX, XXXX Original appraised value : {$430000.00} Original loan value : {$380000.00} Current principle balance as on XX/XX/XXXX : {$280000.00} Late Payments : none throughout the term of the loan

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-31 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: IL

Complaint narrative:
On XX/XX/2020, I purchased active wear for XXXX XXXX from XXXX and I disputed the charge for non receipt of merchandise. The shipping department requested that the merchandise be returned. I disputed {$380.00} cents and the matter still has not been resolved. Citi Bank Disputes sent me a letter stating the merchant is willing to resolve the issue with me, however the merchant is stating that the credit card company still has the funds frozen regardless if the dispute is closed. 

I am requesting an immediate refund for this account and fully refunded for non receipt of merchandise.

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 2020-10-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
Hello, I noticed that Comenity Capital Bank had placed several inquiries on my credit reports in the last 12 months ( XXXX, XXXX, XXXX, XX/XX/2020 ), which I did not apply or show interest to open a credit card with them nor authorize them to pull my credit information. 

And the most recent inquiry was a hard inquiry with prefix code ( XXXX ) on the XXXX credit report. I did not apply for the card or any other cards from Comenity Capital Bank. 

I called the company Customer Care Department and spoke to the Account Protection team at XXXX PST on XX/XX/2020 to confirm no active/pending applications with my SSN. Then I requested them to correct the inquiry on my credit report, they refused and told me to contact the credit bureaus. 

I found that Comenity Capital Bank is using my credit information in improper ways : 1. I did not give consent or submit an application to open their credit cards, how did they get my information? ; 2. They did not take responsibility to investigate further whether this is a fraud situation ; 3. I requested a way to stop using my personal information in the future, I was advised that there is no such policy in place ; 4. When I requested them to correct the hard inquiry, they refused to take responsibility - The Account Protection Rep was saying that they won't pull credit info without an application. I did not submit an application, if this is a fraud or someone is trying to submit the application on behalf of me, with my score is over 800, they should be able to open a new credit card account successfully. But, I only see new inquires from Comenity Capital Bank and no new accounts are opened. So logically speaking, this is more like Comenity Capital Bank just pulls my credit information in the last 12 months for marking purposes or for preapproval applications instead of identifying theft. It doesn't align with what their Account Protection Rep claimed that they will not pull my credit info without an application. They are trying to get more business and using my information in an improper way but refused to take responsibility to correct it. 

I suspect that Comenity Capital Bank has used my personal information for marketing purposes in an improper way. When I tried to look for further information, their reps just not educated enough to provide me any satisfied or factual answers. All I was told is to contact the credit bureaus directly, one by one, to find out and investigate the situations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2020, as a XXXX Consumer I applied for a Mortgage Loan with XXXX XXXX XXXX, as part of the Lending process, there's a Tri-merge Ran by Lender, XXXX XXXX. Equifax reported internal and Fraudulent conditions of my TradeLines on my Credit Report. These XXXX literally [ OPEN ] of these Accounts with efforts of suppressing my Credit Report. Here are the TradeLines that these XXXX went back and [ Re-open ] up these TradeLines : XXXX ending # XXXX, XXXX XXXX ending # XXXX, XXXX ending # XXXX, XXXX ending # XXXX, XXXX XXXX ending # XXXX, XXXX ending # XXXX, XXXX ending # XXXX, XXXX ending # XXXX, XXXX XXXX ending # XXXX, XXXX ending # XXXX, XXXX ending # XXXX, XXXX ending # XXXX XXXX ending # XXXX. About 9 years ago, I addressed this issue with Equifax, and I was told by an a XXXX male in their General Counsel, right before letting this XXXX go this XXXX quote : We'll show you " XXXX '', I then told him to kiss my XXXX and that I was going to sue you XXXX, to-date I've got the Evidence needed to make me extremely " Wealthy '' for their " XXXX XXXX  '' tactics toward XXXX Consumers. See I've spoken with my TradeLines, none of these TradeLines mentioned they Re-open accts

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XX/XX/2020 It shows my social security was used. 
XXXX  informed me about the incident occurring. 
I have had a chase account in months due to this FACT! That I have been a victim of identity theft and fraud & not only have I lost tremendously heavy amounts of money but also energy peace of mind & mental stability!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I was scam and I was trying to tell my bank to give my money bank and they tell me I have to talk to a merchant that no longer exist and I just want my money back I was robbed Scam {$700.00} a week of my paycheck it was on XX/XX/2020 first it was {$500.00} and then {$200.00} i just want Capital One Bank to give my money and I actually report to police also an nothing help me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: CA

Complaint narrative:
I sent XXXX $ From my XXXX  XXXX XXXX prepaid edd card one time transaction to a friend on his cash app on XX/XX/XXXX on my and it said it failed but then the funds never made it back to my account and its been a while n still havent received the funds back from cash app

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WY

Complaint narrative:
Had fraud account have sent in police report to company and they still have failed to get this issue resolved. If this matter is resolved I will pursue 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 explanation
Consumer complaint received 2020-10-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: WY

Complaint narrative:
Had fraud account have sent in police report to company and they still have failed to get this issue resolved. If this matter is resolved I will pursue 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 explanation
Consumer complaint received 2020-10-31 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Hello, Upon reviewing my credit report, I found discrepancies on my XXXX  XXXX Account ending in XXXX, Opened XX/XX/XXXX, Credit Limit of {$350.00}. The report states that late payments were made in the following months : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. The information is inaccurate. Payments were made on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. My bank reflect payments made to XXXX XXXX for the account in question. I have the banking statements to back up my claim. These late payments in question, should be reported deleted as they have been reported incorrectly. I have reached out to the company, XXXX XXXX, and all 3 credit bureaus, Experian, XXXX and XXXX.The discrepancies were disputed several times over the last few months and the documentation was uploaded and mail into the Bureaus. It would seem that my compliant has fallen on death ears. This is why I have decided to reach out to you for assistance. Attached is the bank statements with payments to XXXX XXXX. 

Sincerely, XXXX XXXX

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 2020-10-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
PORTFOLIO RECOVERY ASSCOIATES, LLC ( PRA LLC ) DID NOT VALIDATE OR PROVIDE PROOF OF OWNERSHIP OF SAID DEBT.AS PER FAIR DEBT COLLECTION PARACTICE ACT, SECTION 809 ( b ), THEY DID NOT PROVIDED THE REQUESTED PROOF OFTHE FOLLOWING ( PLEASE SEE ATTACHED DISPUTE LETTER AND PROOF OF CERTIFIED MAIL ) : 1. PROOF THAT I ACTUALLY OWNED THE DEBT 2. STATEMENT FROM ORIGINAL CREDITOR PROVIDING THE AMOUNT AND COMPLET PAYMENT HISTORY. 3. COPY OF SIGNED LOAN AGREEMENT AND/OR CREDIT CARD APLICATION/CONTACT 4. COPY OF CANCELLED CHECK FROM ME TO THE ORIGINAL CREDITOR PRA LLC DID NOT PROVIDE INITIAL NOTIFICATION LETTER UNTIL XX/XX/2020 ( PLEASE SEEN ATTACHED LETTER ) PRA LLC DID NOT PROVIDE PROOF THAT THEY ARTE LICENSED TO COLLECT OR OPERATE IN THE STATE OFGEORGIA. PRA LLC DID NOT PROVIDE A COPY OF A CONTRACT THAT THAT I HAVE AGRRED TO SAID DEBT THE TERMS OR PAYMENT OF THAT DEBT. PLEASE REMOVE AND DELETE THIS ACCOUNT FROM REPORT TO ALL CREDIT BUREAUS

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
My wallet containing my card was lost in a XXXX ride on XXXX XXXX. I used XXXX XXXX to purchase something at a XXXX store before returning home. Upon getting home I noticed my wallet was missing. I went to my online BOA account to lock my card immediately when I realized that my card had been used at a XXXX XXXX  ATM and someone withdrew {$990.00}. ( My push notifications were on, however, BOA has yet to fix debit card transaction notifications, although I've brought it to their attention before. They tend to come hours after the transaction was made. ) I then called BOA to report the fraudulent activity. I was given a claim number, and I was told to wait 7-10 business days for a decision regarding a provisional credit. Fast forward, my claim was denied on XXXX XXXX. I provided the agent I spoke with ample details about my claim. I'd also like to note that I tried to follow-up about my claim on XXXX XXXX and the agent said she escalated the claim and that someone would reach out to me shortly to no avail. I never received any correspondence about my claim with BOA since I initiated the claim. My claim was grossly mishandled and minimized.

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 2020-10-31 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with overdraft — Overdraft charges
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Fraudulent transactions totaling {$1400.00} Cleared in my card XX/XX/XXXX. Reported the fraud to BOA same day. BOA added temporary credit XX/XX/XXXX. XX/XX/XXXX mailed letter saying investigation complete. Credit permanent. Claim closed. XX/XX/XXXX letter mailed saying claim is closed, credit to be debited from account. XX/XX/XXXX BOA withdraws {$1400.00} from my card. In daily phone calls with claims and customer service BOA lies and tells customers EDD took the money. XX/XX/XXXX BOA admits it was a bank error. Promises to amend error and Reopens claim. XX/XX/XXXX, still no resolution, no information and BOA has failed to return funds or provide requested documentation on investigation or claim, in violation of federally regulated zero liability consumer rights under Protected under section E of account agreement. 
Need help

Company response to consumer: Closed with monetary relief