vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
I have a BP BUSINESS mastercard my only uesd it for the frist time on XX/XX/XXXX at XXXX XXXX XXXX for XXXX and when I tried to used my card again on XX/XX/XXXX my card was denied so I call and ask them way! And they told me my card was block to used ur card out of network and I need make a payment frist before they unblocked my Card I talk to XXXX different people and no one couldn't help me but telling me to make a payment..after that I look at my account online and there was transaction trying to be made on XX/XX/XXXX at XXXX I told that wasn't Me and and they still blocked my card and told me I probably don't get my card!!! After I told my information was Stolen and I need a new card they tell they can't do nothing...

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 2022-12-15 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Marlette Funding, LLC
State: NM

Complaint narrative:
Best Egg solicited a loan, telling me I was pre-approved for up to {$50000.00}. This was stated without any qualifications whatsoever by the company. On checking online with their " personal offer '' number, I was made to answer numerous financial questions and ultimately denied credit. Therefore I was clearly not pre-approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC.
State: AE

Complaint narrative:
I work for the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Ally Bank has locked me out of my account and their website. I was receiving security codes to my XXXX cell phone to access my account, with email as a second option. In XXXX, Ally notified their customers they would stop sending security codes by email. Now they have instituted a policy that they will only text codes to XXXX cell phone numbers, effectively locking me out of my account. Their support office told me I need to get a XXXX cell phone to access my account. I pointed out again that Im in XXXX and have no need for a XXXX cell phone, and have no way to open an account from here. Their response was to repeat that I need to get a XXXX cell phone or access to XXXX belonging to someone else. They werent able to explain how sending my security code to someone else improved my security. They wont text to XXXX XXXX accounts so that wont work either. I filed a complaint with customer support but of course no one from Ally has contacted me as they promised. I am locked out of my account and Ally Bank has made no effort to help me or the others affected by their recent decisions.

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 2022-12-15 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I wrote a letter about false information on my credit report, and more than 45 days later, I still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. It is precisely stated in Section XXXX ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The XXXX data breach exposed my information well as, and it's feasible that it landed in the incorrect hands. Also apply law 15 U.S. Code 1681 ( e ) ( b ) ASAP so I know I am being treated fairly and with equal rights as a consumer.

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 2022-12-15 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: Affirm Holdings, Inc
State: TX

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

+ 15 USC 1666B : A creditor may not treat o payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I had a XXXX Line of Credit from Bank of America ( BOA ) that was in excellent standing since 2010. My monthly bill was between {$200.00} - {$400.00} /per month. 
I have ( 4 ) complaints as outlined 1. Out of nowhere BOA sold my account to XXXX XXXX ( XXXX ) who raised my payment over 400 % in ( 6 ) months. 

2. I called and setup auto payment up to {$500.00} /per month, yet they withdrew {$750.00}, then {$1100.00} without notice or permission.

3. New requirements were asked of me to included certain additional insurance coverages that was NEVER required from the inception of the loan.

4. Before the sale of my loan BOA changed the terms of the loan over the phone that has adversely affected my ability to get a flat verses variable rate for NO reason. 

I only owe XXXX on a house worth XXXX .... yet these folks are forcing me out of my home.

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 2022-12-15 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I wrote a letter about false information on my credit report, and more than 45 days later, I still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. It is precisely stated in Section 611 ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The Equifax data breach exposed my information well as, and it's feasible that it landed in the incorrect hands. Also apply law 15 U.S. Code 1681 ( e ) ( b ) ASAP so I know I am being treated fairly and with equal rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 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: NY

Complaint narrative:
Account name : XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account name : DEPT OF EDUCATION/XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 explanation
Consumer complaint received 2022-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XX/XX/XXXX I noticed a {$9000.00} cash withdrawal from my Chase checking account that I did not make. I called the fraud/claims department at Chase at XXXX and was told that since the withdrawal was pending I had to wait for it to post the next day, go to the Branch and file a claim in person. On XX/XX/XXXX I checked by accounts online, saw that the {$9000.00} withdrawal posted, printed the voucher, which indicated a withdrawal date of XX/XX/XXXX, my signature forged and an account number crossed out and my account number written on top. On XX/XX/XXXX at XXXXXXXX XXXX I went to the XXXX XXXX Chase Branch in XXXX  and filed a claim. I was told that the paperwork was submitted that day. It would take 3-5 days to investigate, which I don't understand why as this transaction was conducted at a branch in XXXXXXXX XXXX, I do not live anywhere near there, this pattern of transaction was completely out of pattern and I FILED/SIGNED the declaration that the transaction was not mine. On Monday XX/XX/XXXX I called the claims department and was told that the Dept still hasn't received my declaration and it can take 2 business days, it was sent internally!! Went back to branch they confirmed was sent, now the branch is saying investigation can take up to 8 days ... why? I am out {$9000.00} it was not me, and they can prove it. My account should have been credited immediately!!!!! In addition I would like to know why a transaction conducted at a branch on XXXX did not post to my account until XX/XX/XXXX?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc
State: CA

Complaint narrative:
XXXX felony charges that have been reversed still appear on record and shown to a prospective emplyer by Checkr.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Fraud ( ID Thieft ) FTC report # XXXX XXXX XXXX, my identity was stolen twice while in XXXX XXXX, XXXX XXXX incident was report to my bank XXXX XXXX  in XXXX, XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX XXXX, XXXX XXXX reports were filed with both Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX Have disputed this several times with Credit Reporting Agency each time they state the same - Current : Completed investigation of FCRA dispute - consumer disagrees. 
Foreclosure proceedings started. Previous : Foreclosure proceedings started. 
XX/XX/XXXX to XX/XX/XXXX. Completed investigation of FCRA dispute - consumer disagrees. 
XX/XX/XXXX to XX/XX/XXXX Reinvestigation info This item remained unchanged from our processing of your dispute in XX/XX/XXXX. 

Other : Company has never called or written regarding this debt which is not mine and is reported to have happened same time as ID XXXX in XXXX. Have called company several times and have been on hold for up to 3 hours

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 2022-12-15 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 — Investigation took more than 30 days
Company: National Credit Systems,Inc.
State: LA

Complaint narrative:
I submitted a letter for validation/correct information over 30 days ago with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: AXOS FINANCIAL, INC.
State: AZ

Complaint narrative:
I received a statement for an account I did not open with axos bank. I contacted them and they claimed they closed the account ; however, this bank 's customer service is in a foreign country. I was given the run-around, and they have no fraud department to report fraudulent accounts to. They said this is an online bank, and I never participated in having my assets with an institution where I could not go speak physically with someone. I have no inquiries in my credit report that would coincide with axos bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
transunion refuses to give me a credit score

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 2022-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 



The fraudulent items are XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, XXXX XXXX Enclosures : Proof of identity : [ a copy of my drivers license/other government-issued identification card/other ] Fair Credit Reporting Act Section 605B [ PDF ]

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 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: MO

Complaint narrative:
I XXXX XXXX XXXX am acting on my own behalf In accordance with the Fair Credit Reporting Act, 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. I have contacted XXXX, XXXX, and Experian about inaccurate/fraudulent inquires on my credit report by mail and phone multiple times and to no avail. They have continued to ignore my request for immediate removal of the inaccurate information and have not investigated nor provide me with proof bearing my signature of inquiries on my report that I did not authorize. I'm asking to please delete these inquires as they are affecting my odds for approval of credit moving forward.

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 2022-12-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Financial Recovery Services, Inc.
State: IL

Complaint narrative:
DEBT COLLECTOR IS ATTEMPTING TO COLLECT A DEBT THAT I DO NOT OWE, THAT WAS A RESULT OF IDENTITY THEFT. THE DEBT COLLECTOR IS USING FALSE AND MISLEADING TACTICS TO ATTEMPT TO COLLECT A DEBT NOT OWNED BY THEM.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
transunion refuses to give me a 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 2022-12-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: PNC Bank N.A.
State: TX

Complaint narrative:
PNC Logo VIRTUAL WALLET APPLICATION HELP SECURE AREA You are applying for : Virtual Wallet TERMS & CONDITIONS 50 % Complete 50 % of Virtual Wallet is Complete TELL US ABOUT YOURSELF REVIEW & SUBMIT Completed progress is 50 percent of Terms & Conditions TERMS & CONDITIONS PURPOSE OF ACCOUNT START BANKING You've Been Approved! 
To open your accounts, please review the Terms & Conditions Fields marked with asterisks ( * ) are required View Terms & Conditions Certify that you agree to the following I've read and agree to all of the Terms and Conditions. I understand that I'll be electronically receiving and signing documents. *

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Our company purchased Thousands of dollars worth of Amex prepaid gift cards ( physical, not " e '' cards ) in XXXX of 2021 from Amex online. Many of the cards were not distributed to our employees until recently. When the cards were taken out of their envelopes ( sealed by Amex ) the balances were depleted ; for example a {$2000.00} card had a {$28.00} balance left. 

Hours have been spent on the phone with the AMERICAN express call center in XXXX ; where they read you scripted responses repeatedly but basically just say that " Amex is not responsible. They told us to contact the vendors and dispute the charges ''. They are only able to supply some vendor information one $ XXXX charge was for an electric vehicle charging station in California another charge for $ XXXX lists a vendor as " XXXX XXXX XXXX XXXX XXXX XXXX '' ( no state ), it is impossible to contact vendors without contact information. 

Amex sold the cards and they are either compromised at their manufacturing plant or electronically through their processing system. These cards were in unopened envelopes yet they take no responsibility. I found a website online " https : XXXX '' that has 706 similar complaints. When you purchase a gift card and do not even open the package the full balance should be there.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
on XX/XX/2022 I was notified, not by synchrony, but by XXXX  XXXX  that my account was closed. I had received no warning, and had paid the late fee already related to an issue setting up my bank account for my first payment ( on a less than {$100.00} charge on a {$1200.00} credit line ). 

With no NOTIFICATION, and less than a month after making an official payment once getting my bank account set up, my account was closed with no warning, resulting in an extreme negative action on my credit report. This not only dropped my credit score significantly, but effected my credit usage, further impacting my score. 

When contacted, I was given different reasons by different representatives. Ultimately, because they could. 

This is an extremely negative practice that is damaging and dangerous, especially in this economy, to consumers. All attempts at communication were met with blanket statements, with no offer of resolution. This is akin to loan sharking. 

They want open accounts so their business numbers are good, but do not want consumers utilizing credit lines they as a company can't afford.

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 2022-12-15 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: FISERV FINXACT CORE
State: TX

Complaint narrative:
hello there has been multiple charges on my XXXX credit card that i did not authorize. i reported them twice and the company refused to credit them back to my account. i reported them by phone and once by mail. when i called once i found out that the transactions i discussed on the phone was not reported correctly to their fraud department. probably because an operator error that couldnt report it correctly. based on master card zero liability i am not liable for somebody else spending my money and i reported those transaction less than a month of the charges happened but they didnt process it and then they said its too late! the list of all fradulent transactions are XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  it is more than XXXX $ of transactions that the credit card company is refusing to credit 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 explanation