vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On XX/XX/XXXX, I noticed a new account linked to my Bank of America account. I only have a Bank of America Platinum Plus Mastercard that I have access to online. Another account was added under my login that was listed as, " XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  ''. Details show the account may have been opened on XX/XX/XXXX with several transfers of credits and debits that include a description listed on XX/XX/XXXX noted as " Transfer from my name to an unknown name listed as XXXX XXXX. After immediately contacting Bank of America Fraud Dept when I noticed this on XX/XX/XXXX, they initiated their process of identity theft/fraud. I did not open this banking account and do not know who XXXX XXXX is as this name is noted with the transfers. I also completed a police report with my local police department. 
After receiving further documents from Bank of America, I don't know how this account was opened with my name but there were two separate checks used to make the deposits. Each are {$99.00} and dated XX/XX/XXXX with my full name, address, email address, and former telephone number listed and show XXXX XXXX as the check account which appear in the line items of Bank of America on XX/XX/XXXX. I do not have a checking account with XXXX. The signatures on each check are obviously computer script and not my own. Memo line on one reads Electric Bill and the other check reads For Purchase. Transfers, returns, and fees from XX/XX/XXXX through XX/XX/XXXX appear as line items in the Bank of America detail. This account has since been removed and closed. However, Bank of America is requesting very personal information from me to mail back to them that includes my driver 's license, copy of social security card, copy of social security statement, copy of police report, proof or residency, any original documents received. Their letter says to mail or fax all of this within 30 days or my claim will be denied. This seems extremely shady that Bank of America authorized a fraudulent checking account in my name and now in order to pursue my claim they need all my confidential and sensitive documents that a person could potentially apply for any credit for anything. This seems highly inappropriate for Bank of America.

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 2023-03-28 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: DISCOVER BANK
State: TX

Complaint narrative:
Hello, I filed a transaction dispute for the transaction of {$45.00} XXXX XXXX XX/XX/2022. Discover first resolved the transaction in my favor but later reopened the dispute and resolved it in the merchant 's favor. The transaction was unauthorized because I made a valid transaction with the merchant on the same day for {$64.00} but the waitress charged my card for a further {$45.00} without my knowledge. I did not sign a receipt for {$45.00} and if they have evidence of this I would ask them to show it. When I called, the agent advised me to submit proof of the {$64.00} purchase, but why would that even be relevant if I'm not disputing that transaction? It makes no sense.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-28 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: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Accounts listed below, have 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.

Accounts : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, AZXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-03-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
Section 611 ( a ) of the FCRA requires a CRA to conduct a reasonable reinvestigation of any item of information in a consumer 's file if the consumer alleges the item to be inaccurate. 
Improper account spending limit change Company ( American Express ) Saturday, XX/XX/XXXX at approximately XXXX XXXX  I had XXXX dollars of available funds in my account my spending limit on my card was before XXXX XXXX  that day and the time before was XXXX dollars. I've been with American Express for a few years and have made every payment on time, and have never been late. As I stated above my spending limit was XXXX dollars I had an available fund of about XXXX dollars before XXXX XXXX. After XXXX XXXX  I noticed a change in my spending limit and a change in my available funds as stated my balance on the card was XXXX and my spend limit was XXXX the card had gotten me through buying all the necessities for my home but I still made sure I paid the minimum balance. Recently my goal was to start paying the card off in big chunks my XX/XX/XXXX - XX/XX/XXXX statement was XXXX I then paid XXXX on the card with put my XXXX XXXX XX/XX/XXXX adjusted balance to XXXX the list of payments I submitted on my account was a payment for XXXX on XX/XX/XXXX, On XX/XX/XXXX I made a payment for XXXX, and the XXXX dollars that I made before my statement for XXXX XXXX XX/XX/XXXX. I called American Express because they change my spending limit but could not for some odd reason where the XXXX dollars I had in available funds went because I paid XXXX dollars on my card of money that I put back the card which means if I pay it back I can now use it but no one can tell me where my funds went and now my account is left at XXXX dollars from just had a fund of XXXX no matter if American express refreshes your spending limit you already paid on the card for the refresh and had those available funds so they should not be taken AT ALL. I was left with the same statement balance and a lower s [ ending limit and they had no clue when I contacted them multiple times on the same day XX/XX/XXXX where XXXX dollars vanished too because there was no indication of it at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 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: OH

Complaint narrative:
The account XXXX Has been submitted for review by mail. Upon reviewing the report today XX/XX/23 the account is showing as normal but I have not received any status update. This same account has undergone an investigation with all 3 bureau and was found not valid with XXXX. I am requesting a follow suit for it does not show accuracy across the 3 reports. I am asking that this account be removed from my credit report IMMEDIATELY.

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 2023-03-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Paramount Recovery Systems, L.P.
State: SC

Complaint narrative:
I did not receive any notice from Paramount Recovery. I recently learned of the account via my credit report. Additionally, they are reporting this account twice. Even more distressing paramount recovery does not specify when they received the account, However, they do mention the account was opened on XX/XX/2022. Which could mean this is when the alleged account would have been opened with the originator. The company also states that the account was past due as of XX/XX/XXXX and only has 30 days of activity meaning there is no way they waited 30 days for a response from the consumer. Past due means late, written off or charged off means collections. They have no right to report this derogatory info on my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
This claim is a continuation of claim XXXX which was closed without resolution. 
I have had a XXXX  credit card with XXXX XXXX XXXX since XXXX, with a credit limit of {$16000.00}. I have had no problems with the account until the transition from XXXX XXXX XXXX to Comenity Bank in the first week of XXXX. I made two payments to my act in the amount of {$5000.00} each, one from my XXXX XXXX Account on XX/XX/XXXX and another {$5000.00} payment from my XXXX XXXX  Account on XX/XX/XXXX. The latter payment was never credited to my account, and remains so to this day. I have submitted proof of payment provided by XXXX XXXX, who volunteered to doi a conference call to sort this out. XXXX XXXX  was told that Comenity would not allow third party involvement, though this is the bank that made the payment. 
Furthermore, I was assured at the beginning that the disputed balance, interest and fees would not be reflected on my statement until after resolution. In spite of this the ( paid ) balance, interest and fees on same, have shown continually on my statements. This behaviour by Comenity Bank has harmed my credit rating and good name. This has caused me to lose much sleep as well as having no credit card to use. I never activated the card as I do not trust Comenity Bank. 
I have no debts at all ; vehicles and properties are all paid for. My debts to XXXX XXXX XXXX and Comenity are all paid off as well. I owe zero, the same can not be said for Comenity Bank. This should have been a simple ledger correction, yet Comenity Banks failure to address this in a timely and competent fashion finds me in continued financial and emotional distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 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:
To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX {$470.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$3000.00} XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX {$1200.00} XX/XX/XXXX DEPT OF ED / XXXX XXXX {$0.00} XX/XX/XXXX DEPT OF ED / XXXX XXXX {$0.00} XX/XX/XXXX DEPT OF ED / XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX  XXXX {$0.00} XX/XX/XXXX XXXX  XXXX {$140.00} XX/XX/XXXXXXXX XXXX XXXX {$120.00} XX/XX/XXXX XXXX  XXXX {$85.00} XX/XX/XXXXXXXX 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 2023-03-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION
State: TX

Complaint narrative:
On XXXX XXXX XXXX I mailed RBFCU payment fulfilling the pay-off amount for my vehicle I refinanced through them. I accepted the pay-off slip they provided me with and used this as a negotiable instrument. I included instructions with my payment instructing XXXX XXXX to apply Principal balance to account # XXXX for set-off and requesting that my title be mailed to me. RBFCU failed to do so and responded with an anonymous letter on XX/XX/ stating We are unable to process the payoff you indicated. 

On XX/XX/, I wrote RBFCU a letter asking them to explain why they would be exempt from the following obligations outlined in the Federal Credit Union Act : ( from the Federal Credit Union Act ) 1795f. Powers of Board ( b ) Collection and settlement of checks, share drafts, etc. ; charges ; rules and regulations ( 1 ), Federal Regulations XXXX XXXX XXXX  A Part XXXX Accounts evidenced by negotiable instruments, Title XXXX XXXX XXXX  Part 1 1.100 Indirect general obligations, or 1.120 Prerefunded or escrowed bonds and obligations secured by Type I securities I also informed them that I was well within in my rights pursuant the Federal Credit Union Act 8 ( A ) Rights of parties to Contracts ( iii ), which makes it clear that I am not prohibited from offset, as was requested in the original instructions. 

I also requested validation of the debt and accounting. RBFCU still has not responded to my letter, or accepted my payment. I am claiming there is a breach of contract based on the above codes Ive included from the Federal Credit Union Act. I have enclosed a copy of my original instructions, my Second Notice and Oppportunity to Cure, and RBFCUs correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Credit Karma, LLC
State: TX

Complaint narrative:
I have a spend account with credit karma, and on XX/XX/XXXX there was an unauthorized transaction so credit karma closed my debit card and I have no access to my account. On XX/XX/XXXX I learned that my account was hacked, and someone linked their bank account to my spend account, and they have made over 30 attempts to transfer my money into their account. Credit karma refuses to close my account, and they have repeatedly said they would transfer me to the specialized department and then nothing happens. I have tried to change passwords and email addresses, but the representative at credit Karma told me the hacker has access to my account number and routing number, but they won't freeze my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 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: AR

Complaint narrative:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, and XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX have 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc.
State: WV

Complaint narrative:
I paid my Victoria Secret account off in XXXX of 2022. I am trying to buy a home. I was told the account was closed. Was suppose to be sent a letter stating it was closed. I received call last week telling me i had a {$64.00} balance. I was then told it was because they reopened my account because they had to charge a {$2.00} interest fee. AFTER I PAID THE ACCOUNT IN FULL AND IT WAS SUPPOSEDLY CLOSED. I since XXXX, i have had multiple late fees reported to my credit. My score is significantly lower now than it was when i closed the account, all because of this card. I have paid off almost every single penny of debt I have. Except for student loans.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-28 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: NY

Complaint narrative:
Please see identity theft report. I have consistently disputed fraudulent accounts that are results from identity theft on my credit profile with all 3 credit bureaus and they have ignored my verified claims and are unlawfully and illegally reporting fraudulent accounts on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 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: GA

Complaint narrative:
Hi my name is XXXX XXXX. Fraud was done in my account in XXXX of last year for {$3000.00}. I reported that I lost my case with my license and bank card in it to bank of America. They credit my account the money back until they investigate it. XX/XX/XXXX the too it back without even letting me know anything and took all my money out my account. I lost my job so that includes my paid pto time, vacation time, and my pay check I just got paid. I called bank of America to ask why they did it and they told me because the person had my address, and my name. I told them that's what was in my case. Since then they said they would reopen it and check everything again and it will take 60 days to do so. I told them they took all my bills money and everything I am behind in everything. All they say is they can't do anything about it. 2 weeks later or more I checked my account online and it said congratulations the funds will be paid to me. I looked and nothing never showed up. I keep calling and they said they still refused to pay it. Every since then the case been open and closed 3 times and they refused to pay me my money except for {$5.00}. I asked why send me {$5.00} dollars and don't send me the other? And they said it's alot more it takes longer. I been calling and wrote a letter and still nothing. They have made all my bills behind, car about to be repo, marriage issues and everything. They have made my life a living XXXX!!! I need help and fast as possible to get my money back. Also I been Seeing bank of America on the news. I been trying to get channel XXXX news involved for the time being also to see what they can do also. So if yall can do something I will appreciate it. Thank u!!

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 2023-03-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I sent several letters to National Credit Systems on XX/XX/2022, XXXX XXXX by certified mail still havent received a response from them to validate the debt of {$1800.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have attached an FTC report with an account and inquiries I did not authorize

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 2023-03-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: U.S. BANCORP
State: TX

Complaint narrative:
I have a debt from a bank from when I was younger. Its been over 15 years and the dead has been forgiven and its no longer in my credit. Theres a company that is trying to collect the debt. They keep constantly calling.

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 2023-03-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Randomly I get overdraft fees or surprise charges.

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 2023-03-28 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: EQUIFAX, INC.
State: MI

Complaint narrative:
Last year in XXXX I found a fraudulent account opened with my social security number at XXXX XXXX XXXX XXXX I filled an XXXX  report, ref # XXXX. I notified XXXX about the fraud. The account was removed and I thought everything was taken care of. Then a couple months ago I checked the other credit bureaus and the fraudulent account is still there. 

Since then I have been in contact with the other credit bureaus and with XXXX XXXX XXXX XXXX I have made many calls and filled disputes, but they will not remove it from my credit report and keep verifying it as correct.

Company response to consumer: Closed with explanation