vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-03 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: U.S. BANCORP
State: GA

Complaint narrative:
There was fraudulent use of my US Bank credit card on XX/XX/2022 by a non existent company for {$2900.00} through a XXXX  payment device for " kitchen remodeling '' that I immediately reported to the credit card company ( US Bank ) as fraudulent. The credit card company initially cancelled the charge and said they would investigate. After multiple " thank you for your patience '' emailed case updates from the credit card company the fraudulent charge was placed back on my account on XX/XX/2022 and deemed by US Bank as a valid and authorized charge. They mailed me their " findings '' but there was no information in that paperwork validating the transaction. To the contrary, my personal contact information listed in their investigation is not correct but they either failed to notice this inconsistency or simply ignored it. After speaking to US Bank directly to again dispute the validity of this debt they refused to investigate further and deemed the situation resolved and the investigation closed. As a result of this lack of reasonable action on their part I have paid all unassociated debt on that account and cancelled the card. Additionally I have filed a police report for financial fraud and identity theft and sent them a letter enclosed with a copy of that police report demanding the debt be removed completely along with any associated fees or penalties. 
US Bank continues to claim I owe this debt and are charging interest on it as well as making derogatory remarks on my historically exemplary credit report. 
I need help resolving this issue and help making sure it does not happen to someone else.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-03 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: EQUIFAX, INC.
State: IL

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
You have no rights to report this bankruptcy in my credit report! There are different date file/reported and even the closing dates. This is also a discharge bankruptcy which means fresh start but this is the reason why I can't get a fresh start because of you reporting this bankruptcy! This is absurd! I have the letter from the court that says they don't report this bankruptcy to you and this is from an unauthorized third party!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Best Buy citi bank credit card is charging an unexpected high rate intrest charge for the month of XXXX. I've requested a signed contract with multiple attempts and they have failed to provide it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 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: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 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: EQUIFAX, INC.
State: MA

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
In XX/XX/XXXX, Ally had a 1 % cash bonus offer to its savings account holders, up to {$500.00} maximum amount. The terms were : 1. to enroll by XX/XX/XXXX ; 2. to move new money into the savings account by XX/XX/XXXX ; and 3. to keep the new money in its savings account by XX/XX/XXXX. I satisfied all three terms and even got confirmation emails from Ally, which indicated that I should be expecting to receive my bonus on or around XX/XX/XXXX. When I did not receive my bonus as promised, I contacted Ally about it. At that time, Ally representative created a case, gave me a reference number, and told me that it will take 7-10 business days to review. After 10 business days, I contacted Ally again and was told that it is still under review, no other explanation was given. I asked why it is taking such a long time to review when the terms were pretty simple and straightforward, the representative simply ignored me, repeated that it is still under review, and asked me if there is anything else she could help. I was expecting to hear how Ally is trying to address my concern as fast as they can, but given Ally 's response, I am not sure my issue will ever be resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-03 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: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
According to 15 U.S Code 1666b- Timing of Payments. A creditor may not treat a payment on a credit card account under an open end consumer credit plan as for any purpose. Also it states under this law that I must be notified no later than 21 days before which I havent been or should I say I have never been. According to the FDCPA IM INTITLITED TO {$1000.00} PER VIOLATION! 

this company has been violations many laws and I would like this removed asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 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: TN

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 XXXX Account XXXX  XXXX Account name : XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX XXXX  XXXX Account XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account XXXX XXXX Account name : XXXX XXXX - XXXX XXXX Account XXXX  XXXX Account name : XXXX XXXX XXXX, Account XXXX XXXX, Account name : XXXX XXXX XXXX XXXX Account XXXX  XXXX, Account name : XXXX XXXX XXXX XXXX, Account XXXX XXXXXXXX Account name XXXX XXXX XXXX XXXX Account # 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 2023-03-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Recovery Service Incorporated
State: AZ

Complaint narrative:
I kept receiving emails from ARSI ( American Recovery Services Inc. ), about a debt I have never heard of. The email says I need to pick a payment option. I tried to unsubscribe from the emails, thinking it was a scam, but I kept receiving emails. On XX/XX/2023, I went to their website and disputed the debt, stating that it is not my debt. I have not gotten any response to my dispute, but I keep receiving the same emails. I called the number in the email and left a voicemail explaining the situation, but still got no response to my dispute, and the emails kept coming. I called the number again today, XX/XX/2023, and spoke to someone who would not give me information unless I verified I am the person on the account, by giving her personal information. The research I did on incorrect collections, said not to give them that information because they can use it to create false records of the debt, making it harder to disprove, so I did not give her any information that was not in the email they sent me. 
I have no information about the debt they are claiming, and they have yet to send me any information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I had purchased a car back in XXXX and the dealership added additional coverage service contracts to my loan without informing me. The next day I went back to them to have the lien revised but they refused and said they couldnt do this. They told me In order for me to cancel this I had to wait 3 month and then come to them to cancel the contracts. And promised me that I will get all my money back. When I went back to them they gave me the runaround and told me they will take care of it. After almost a month, they didnt and I called the service contract and cancelled the policy in XXXX. 
Now the service contract service deducted {$1000.00} from the contract and balance of the check was sent back to dealership. They still didnt send it over to lien holder. Why should I be charged XXXX for something that I did not purchase. I would like a full refund sent back to my lien holder. Its been 9 months and I going in circles. What is the next step I need to take Please advise and help Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: OK

Complaint narrative:
I applied for the American Express Delta SkyMiles Platinum card on XX/XX/XXXX. When I applied, the advertised promotion ( see the attached screenshot ) was 75000 bonus miles after spending {$3000.00} in the first 90 days. While on the phone with the agent, I specifically asked him if a ) this promotion applied to applications taken over the phone rather than just online, and b ) if, were I to be approved for the card, I would receive the 75000 bonus miles promotion. He answered " Yes '' to both questions. I asked him again to verify the terms of the promotion, and he again affirmed that, upon approval of my application, I would receive the 750000 bonus miles. 

In fact, as soon as the application was completed, I received an email stating that my promotional miles would be only 50000 miles. I immediately called AmEx to lodge a complaint. I was initially told that an investigation and decision would be completed by XX/XX/XXXX. After not hearing from AmEx, I called on XX/XX/XXXX and was told that it could take up to eight weeks to complete the investigation. When I called on XX/XX/XXXX, I was told that it could take up to ninety days for the investigation to be completed. When I called on XX/XX/XXXX, I was told that AmEx had decided to award only the XXXX miles. At no point prior to XX/XX/XXXX had AmEx notified of me of that decision, and if I had not called, I would not have learned of it. 

During my conversation with the agent on XX/XX/XXXX, she told me that since the 50000 miles had already been " activated, '' there was nothing that AmEx could do about the 75000 miles. Contrary to what she implied, I have not used any of the awarded bonus miles. It is true that I did spend {$3000.00} in the first ninety days, but that only because I would not have received any bonus miles if I had not done so. 

Not only did AmEx lie about the promotional miles that I would receive, but they appear to have deliberately waited until after I spent {$3000.00} either to make a decision regarding my case or to notify me about it ( which, again, was done only after I called AmEx to inquire about the investigation 's status ). This is doubly duplicitous.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 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: Paypal Holdings, Inc
State: VA

Complaint narrative:
A payment was sent to my PayPal account in the amount of {$270.00} and i am unable to transfer the money into my bank account due to PayPal putting limitations on the account not allowing me to get my money or do anything with the money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-03 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC
State: SC

Complaint narrative:
I have a leased vehicle with XXXX XXXX XXXX XXXX which is a buy here pay here dealer. on XX/XX/XXXX they abruptly and permanently closed their business with no notification to the customers. They in turn sold our information to debt collection agencies. i am filing this complaint to get the title to the vehicle i was purchasing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Sulphur Bank Rancheria Enterprises
State: CO

Complaint narrative:
This payday lender accepted a fraudulent application online. The scammer used my personal information to apply. I received an email to continue or finalize an application I didn't apply for. They are not verifying identities of applicants. 

Being that I am a victim of identity theft, I created a system to give creditors pause before accepting any application not verified by proper identification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
1. My ex-wife has sought to change the insurance provider on our home mortgage. Wells Fargo tell me they must make the change ; if requested. Should the change occur we risk the current insurer XXXX XXXX ceasing the remedial work they are doing in the house due to flooding. 

2. WF also have no rules to manage conflicting parties.

3. The FBI and DoJ notified me that XXXX XXXX was part of a crime family  and would seek to undertake a fraud - insurance and financial - against me and the insurers. The circumstances of the flooding point to her negligence.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
See attached letter and supporting documents on my attempts to resolve this issue. 

I have already submitted Complaint Number XXXX and it has been closed by CFPB but the issue has not been resolve. I am submitting another complaint against Bank of America now because they told XXXX XXXX that they would reopen the case and provide a response in seven to ten business days from XX/XX/2023 and we have not heard anything ( pass the buck ). 

This is so unfair, frustrating and my next steps will be notifying XXXX XXXX for help and filing a lawsuit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
PORTFOLIO RECOVERY ASSOCIATES , LLC has furnished an inaccurate, unverified account on my consumer report. I have provided accurate ( factual ) verified proof that clearly states this debit is not XXXX XXXX XXXX, on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and they responded with a stack of bills claiming it validates this debt to be mine and it does not and in doing so they refuse to remove this debt from my consumer report and it has cause my credit score to drop drastically and I have not been able to get above for loans, lines of credit or set up business credit for my business as well as mental anguish and anxiety due to this inaccurate, unverified account on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: DISCOVER BANK
State: CA

Complaint narrative:
On XX/XX/2023 without authentication Discover Financial ran an unauthorized hard credit Inquiry. I didn't realize until I checked my credit report a couple months later and noticed an address XXXX XXXX XXXX XXXX XXXX XXXX FI, which has NEVER been or is NOT my address. I've never lived in Florida. In result of the fraudulent hard inquiry my credit score dropped XXXX points. I've attached a picture to support the fraudulent hard inquiry pull on my credit report, a picture to support unknown address on credit report, and a picture showing the XXXX points resulting of the fraudulent hard inquiry pull.

Company response to consumer: Closed with non-monetary relief