vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: FL

Complaint narrative:
I have a checking, savings and credit builder account with chime. I was transferring money from my XXXX XXXX XXXX XXXX  account to my chime account to take advantage of their 1.5 APY savings rate. I had been depositing XXXX dollars monthly from suncoast and had never had a problem. On XX/XX/XXXX, I unexpectedly received an email from chime that they had closed my checking, savings, and credit builder account. I then attempted to login to my chime account and it had already been deleted. I then called their customer service number to find out why all my accounts were closed, and also how to get my money back that was in my savings account. The representative on the phone told me that my account was not in compliance with the deposit account agreement, but did not give me a reason why and told me I needed to email chime directly to attempt to get my money back. I then spent the next couple of weeks emailing chime my personal information to verify my identity and documentation showing my history of deposits to chime from XXXX XXXX XXXX. On XX/XX/XXXX, I got an email from Chime informing me my account can not be re-opened. I never received any legal documentation or information from Chime giving a reason why they closed my account. After speaking on the phone with a representative after getting that email, They also said they are not going to refund my money that was in my savings account, which was around XXXX dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
Company closed my account without notification, sending incorrect information to Credit Reporting Agencies there by Defamation of Character

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
accordance with the fair credit reporter act XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, and # XXXX account has violated my rights 15 usc 1681 section 604 a section 2, i also state a consumer reporting agency can not furnish my account without my written instruction

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 2022-11-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-11-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EOS Holdings, Inc.
State: MD

Complaint narrative:
I reached out to EOS CCA after receiving a settlement letter claiming if I made arrangements to pay my debt in full they would remove the collection from all three of the credit bureaus. My initial conversation was in XX/XX/2022. Monthly payments were then made XXXX to XX/XX/2022. I sent a letter after 45 days requesting the collection be removed from the bureaus and nothing has been done. I requested that they listen to the taped recordings where I was told this would happen. I was told they would and to call XXXX in a few days where a supervisor would assist. I have been in a customer service and supervisor loop ever since. Collection agencies can't make promises to customers and then not adhere to them. If I hadn't kept my word and made all payments there would be some legal recourse. These rules should be the same for them. All I want is for them to remove it from my credit reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
inquires were placed on my credit report on XX/XX/XXXX thru XX/XX/XXXX i want to alert companies to remove inquireies and also make them aware that this is fraud and to not issue any credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and a confidentiality under 15 USC 1681. 

XXXX XXXX XXXX ACCT # XXXX, XXXX XXXX XXXX ACCT XXXX XXXX, XXXX XXXX XXXX ACCT XXXX : XXXX, XXXX ACCT # XXXX, XXXX ACCT # : XXXX, XXXX ACCT # : 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 the information is inaccurate.

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 2022-11-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

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 a confidentiality under 15 USC 1681. 

XXXX XXXX XXXX ACCT # XXXX, XXXX XXXX XXXX ACCT XXXX XXXX, XXXX XXXX XXXX ACCT XXXX : XXXX, XXXX ACCT # XXXX, XXXX ACCT # : XXXX, XXXX ACCT # : 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 the information is inaccurate.

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 2022-11-28 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
LVNV funding continues to report an inaccurate and unverifiable account on my credit report. They continue to sell it within their own companies, as they have multiple llc 's. And this is negatively affecting my life and ability to acquire financing. 

According to the FCRA 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 : 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 any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
15 U.S.C. 1681 section 611 ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 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: MO

Complaint narrative:
In accordance with the Fair Credit Reporting act. The account placed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Reference # : 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 an 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 or 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 2022-11-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
Comenity bank closed my Victoria Secret charge card, they lower my credit from {$1000.00} to {$100.00} and when i went to purchase a few items on XX/XX/2022 I was told that my account is closed. I wasn't notified by Comenitybank and was embarrassed when my card declined

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: DISCOVER BANK
State: VA

Complaint narrative:
I have had 3 CD 's with Discover Bank for years. Most recently I renewed one on XX/XX/2022. I received a letter from Discover Bank dated XX/XX/2022 advising that they were changing the terms of the deposit agreement and would no longer deposit the earned interest in my XXXX XXXX XXXX I contacted Discover Bank and advised them the arbitrary change in terms was not acceptable to me. Further as we no longer had a valid contract, I requested the CD 's be closed without interest penalty. Discvover Bank declined my request. Subsequently I closed one of my Cd 's and was charged an early withdrawal penalty of {$200.00}. I would like the early withdrawal interest penalty returned to me and the open accounts closed without penalty.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
My account was closed without prior notification. but that is not my main concern but rather that all my accumulated cash rewards in the amount of {$110.00} was seized by the XXXX XXXX. 
After contacting the XXXX XXXX they responded that they have sent me a notice that the account will be closed and if no action taken my rewards will be seized. I have explained to them that I have never received such notice and its just plain common sense that if I would have received a notice of such action, I would have not ignored it. Neither did I receive any email regarding such action. You can google and see the data yourself that billions of dollars of us mail is lost every year. The representative confirmed that they have not sent me an email, nor do they have any proof or certified mail on file that I have received such notice by mail, however she unfortunately can NOT help me because this is the policy of the company. 
This XXXX XXXX has found a way to rob its customers. Even if they have decided to close my account, its just fair and ethical to mail me a check of the cash rewards that they owe me and belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
1. Amex sends an email saying your card " will.be reinstated if you pay the balance. '' So i did.

2. The statement is misleading and dishonest because A. Your card will not necessarily be reinstated B. If a card is approved the credit limit will be different- again, this is not reinstatement 3. Company is overtly promising a benefit by email which in fact they do not at all provide. 

This is class action material. 
Amex has been fined for deceptive marketing in the past. 

NOWHERE in the unsolicited email does it counter the initial proposition. 

This is fraud and deceptive marketing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
My social security number, drivers license and business ID was illegally used by my sister and husbands tax preparer for their personal gains. I paid him XXXX XXXX dollars on XX/XX/XXXX to help get me some type of aid and assistance that will help my business thrive without the stress of constantly working XXXX hrs a week. Throughout that process of waiting, my fiancs brother stole my wallet not even six months later, due to his lack of accountability in our friendship. I have XXXX growing sons that I work hard to keep out of the realms of the vanity that exist this world. Crazy thing is once I told him No for the first time he steals my wallet and piles onto the compile of defrauding the XXXX and other lenders for illicit. I finally checked my credit score and noticed an extreme amount of inquiries. Just received a business credit report just to see my tax were altered from XXXX til now. Help please.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
My social security number, drivers license and business ID was illegally used by my sister and husbands tax preparer for their personal gains. I paid him XXXX XXXX dollars on XX/XX/XXXX to help get me some type of aid and assistance that will help my business thrive without the stress of constantly working XXXX hrs a week. Throughout that process of waiting, my fiancs brother stole my wallet not even XXXX months later, due to his lack of accountability in our friendship. I have XXXX growing sons that I work hard to keep out of the realms of the vanity that exist this world. XXXX thing is once I told him No for the first time he steals my wallet and piles onto the compile of defrauding the XXXX and other lenders for illicit. I finally checked my credit score and noticed an extreme amount of inquiries. Just received a business credit report just to see my tax were altered from XXXX til now. Help please.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 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: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
My social security number, drivers license and business ID was illegally used by my sister and husbands tax preparer for their personal gains. I paid him XXXX XXXX dollars on XX/XX/XXXX to help get me some type of aid and assistance that will help my business thrive without the stress of constantly working 60 hrs a week. Throughout that process of waiting, my fiancs brother stole my wallet not even six months later, due to his lack of accountability in our friendship. I have XXXX growing sons that I work hard to keep out of the realms of the vanity that exist this world. XXXX thing is once I told him No for the first time he steals my wallet and piles onto the compile of defrauding the XXXX and other lenders for illicit. I finally checked my credit score and noticed an extreme amount of inquiries. Just received a business credit report just to see my tax were altered from XXXX til now. Help please.

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 2022-11-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: FIRST NATIONAL BANK OF OMAHA
State: WI

Complaint narrative:
I am trying to settle my mother 's estate but First National Bank of Omaha refuses to release the credit on her account. I have been working on this problem for more that a year when we realized that my mother had XXXX and had overpaid her account. My mother moved several times in the past year and she died XX/XX/2022. I have not received the correspondence that XXXX said they would send to her billing address. Most frustrating is my feeling that if she had a balance on her account then XXXX would be happy to send a statement directly to me. I went to the post office to permanently change her last two addresses to mine. The credit is {$140.00} and I realize that this is not the most important problem in the world, but I wonder how many seniors have overpaid their accounts, and do their families even know about it? 
I can provide digital files of cc statement, death certificate, and poa. 
Thank you for your assistance. 
First National Bank of Omaha phone : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX The family of XXXX 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