vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
Recently I have been receiving an excessive number of calls from Commenity Bank XXXX 14 in the last week, 5 in just the last 8 hours while I was at work! I am assuming that this is related to a credit card I recently took out but have yet to receive any statements for in order to pay it. Its definite harassment and in violation of the CFPBs 7-in-7 rule for debt collection calls. I used to have a commenity card years ago, and like 6 years ago I filed a complaint that they had harassing call programs then - why hasnt the CFPB done anything to stop this? I know they can be liable for damages up to {$1000.00} per person but it seems like they just continue the same problems with no consequences. Had I of known the store credit card I was applying for was through this bank I would have never gotten it! I am also suddenly getting a bunch of No Caller ID calls that suddenly started at the same time that Commenity started calling, I am not late in any other credit cards or loans and so I know that I wouldnt be receiving calls from anyone else. Although I cant prove those are them, it has to be more than a coincidence. Either way, 5 calls in 8 hours?!? I work and cant take personal calls. Mail me my statements, give me notice on how to pay and Ill pay it - dont harass me! Since I have yet to receive a statement- I hope I havent been assessed any fees on top of this or been reported to the credit bureaus! Better yet - take the {$1000.00} per violation issue that it says in regulation and cover the debt ( which is like a quarter of that ) - then fix your collection programs. take some ownership of your blatant compliance failures.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XX/XX/2023 XXXX report delincuent Account : I am proud to have excellent credit until XXXX XXXX XXXX XXXX makes errors in my account reporting 120 days late on my payments. The problem was communication and system malfunction not crediting my payments, saying they didn't receive them then telling me the Bank requested to return those payments. for my inconvenience, my account with the Credit Card was closed by the XXXX XXXX without my knowledge. 
I was not able to print out my statements for verification of my transactions. 
Thank you for your help in recovering if possible my Good Credit. 
Sincerely, Me.

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 2023-12-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
The companies listed below are constantly reporting false information to the credit bureaus and I previously made a complaint and nothing was done. I have them as a collections on my report that should not be there. These are violating my legal right to privacy and I would like it to be resolved. They have yet to provide proof of any written agreement from myself. Their accounts were created illegally against my authorization violation the fair credit act and my right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Americor Funding, LLC
State: TN

Complaint narrative:
I was a victim of this data breach and I would for this account to be deleted 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 2023-12-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP
State: TX

Complaint narrative:
I opened a saving account online with US bank XX/XX/XXXX and decide to cancel it today XX/XX/XXXX, I called them and both the agent and her supervisor told me I need to go to a branch to close it. But I opened it online and there is no branch in my area. they suggest I fly to a city with their branch to close the account.

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 2023-12-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: PNC Bank N.A.
State: AL

Complaint narrative:
The company not responsive to my concerns. See response attached hereto for complete details.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
My right to privacy as a consumer has been violated. FCRA 15 USC 1681, 15 USC 6801, 15 USC 6802. Any and all consent to XXXX, XXXX, XXXX, capital one, XXXX XXXX XXXX, XXXX whether verbal, non-verbal, written, implied or otherwise is revoked. Additionally,15 USC 1681C ( a ) ( 5 ) clearly states that no consumer reporting agency may make any consumer report containing any of the following items of information, other than convictions of crimes which antedates the report by more than seven years. And finally, in accordance with12 CFR 1016.7, I am opting out of your reporting services.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
EXPERIAN, XXXX & XXXX I received a copy of my credit report and I have found the following items listed with XXXX to be in error. These accounts are listed with late or missed payments and that is incorrect. The following accounts were NEVER late and should be listed as PAYS or PAID AS AGREED. 
I demand under FCRA : 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report reflecting the requested changes. 

Thank you for your help in this matter,

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 2023-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
information i disputed was not removed properly

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To whomever it may concern, there is currently an erroneous Inquiry reporting on my credit report ( XXXX XXXX XXXX XXXX XXXX XXXX ). I did not give consent/ authorization for this creditor to have access to my credit profile and have not done business with this said creditor. This is inaccurate credit reporting and unauthorized.

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 2023-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I did not authorize CITIBANK NA to run my credit

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 2023-12-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was unfortunately a victim of a scam on XX/XX/XXXX who claimed the money was sent to supervisors representing XXXX XXXX XXXX XXXX XXXX. The amount sent from my personal account totaled {$2500.00} through XXXX on the Chase mobile app. The first transaction was sent to a XXXX XXXX XXXX for {$2000.00} and the second was to a XXXX XXXX XXXX for {$500.00}. I am attaching evidence of the transactions to the phone number the scammer provided. 

I called Chase the next afternoon with a claims specialist to report every information I could communicate on the two transactions involved in the scam including what exactly happened and what misled me to send money to scammers ( including being threatened multiple times to cut off electricity from the restaurant I own if I do not pay these scammers ), and necessary information about the recipients. 

After about a week has passed, I have received the conclusions from Chase on the claims for the two XXXX transactions. On XX/XX/XXXX, the first transaction of {$2000.00} concluded there were no faults and the transaction is considered legitimate. As for the second transaction finished and sent on XX/XX/XXXX, Chase has managed to refund me back the {$500.00} and agreed the transaction was incorrect. 
So today I just spoke with one of the claims specialists from Chase for information about the first transaction of {$2000.00} and communicated to me the same information that was written on the letter telling me there was nothing wrong and the transaction was considered authorized based on what I thought I reported last time. 

Based on the current information they told me, I think what happened on the day I reported was the {$2000.00} transaction was still pending and the {$500.00} payment already went through which was why my report could have only applied to the {$500.00} and not the {$2000.00} transaction. I attempted to make another claim through the Chase mobile app on the {$2000.00} transaction and the only button on there was to send a dispute ( which I did not think through as I thought there was an option to input my report ) which turned out to be the one the investigators looked at. 

*Other actions I have taken on that day include contacting with local police, reporting to FTC with report ( with report # XXXX which in addition I will share in one of my attachments ), deactivating my XXXX profile on Chase XXXX and changing my phone number in fear of being contacted by those scammers again

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Since the XXXX pandemic, Ive suffered physically, emotionally, economically and was hospitalized due directly to XXXX XXXX sickness. I had great credit, score XXXX and great credit rating. XXXX directly to the pandemic, my employer claimed bankruptcy, I fell behind on paying my bills due to hospitalization of XXXX XXXX. It took me a year and a half, staying in contact with my creditors to pay the balances off. In XX/XX/XXXX I got my life back together, contacted all my XXXX creditors and made payments to pay off my balances, satisfied my debts and closed my account. All my credit accounts were now paid, satisfied and closed. XXXX creditor, XXXX  bank is appearing on my Experian credit report twice as Potentially Negative. This is XXXX account, not XXXX separate accounts but only Experian is wrongly reporting this creditor twice on my credit report, which makes my fico score lower, appearing I have XXXX negative accounts with XXXX, no only XXXX and that account was paid and satisfied. Both XXXX  credit reports on Experian have the same account information so why is Experian only, not XXXX or XXXX reporting this false information. This XXXX  creditor was paid and satisfied in XX/XX/XXXX. I tried twice to dispute this with Experian but they refused to remove XXXX of XXXX  credit report as potentially negative from my credit report when it should only be showing XXXX, ( XXXX ) XXXX  account that was potentially negative but was satisfied, paid and closed. XXXX asking for your help to make experian reporting agency only, to remove the double reporting of XXXX  bank information. Again there is only XXXX XXXX  account but Experian reports XXXX, both with same account # and exactly the same information as to balance, being paid, satisfied and closed but Experian refused to remove this double reporting on my Experian credit report. XXXX and XXXX are reporting correctly, reporting once, and only XXXX XXXX  account with information including balance, date paid and satisfied then close. Please help me as experian has been horrible in customer service and refused to report correctly, accurately, but continues to report false, inaccurate and misleading information on my Experian credit report that is so obviously can been verified but Experian twice in my dispute with them just ignore me and continue to double report a creditor, XXXX  bank on my Experian credit report

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 2023-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: NJ

Complaint narrative:
Was scammed by a person impersonating a tattoo artist and was told to make a deposit as Ive done with all my tattoo artist but when the time came for the tattoo they blocked me on everything. I contacted Chime about a charge back for fraudulence but they said it was an investigation that had to take place but after reading and doing research. It had come to my attention that Chime is notorious for not doing anything about claims with fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I made a cash deposit into my savings account at Bank of America with an teller inside of the branch, on XX/XX/2023 for {$500.00}. On XX/XX/XXXX the bank had taken {$460.00} of my money. And cause my {$150.00} for my cell phone to not clear. And a credit card payment for XXXX XXXX to not clear as well. I am in an active bankruptcy. My bankruptcy was filed in XXXX of this year.

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 2023-12-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
Citibank NA XXXX Shop Your Way Master Card - Shop Your Way Points earned, but never posted to account : The company has not awarded points from XXXX promotional offers : XXXX. Spend {$300.00} or more per month on travel/hotels/airfare etc. to obtain XXXX points for each month of XXXX through XX/XX/XXXX. 
- Activated XX/XX/XXXX. 
- Spent more than {$800.00} at XXXX XXXX XXXX in XX/XX/XXXX. 
- XX/XX/XXXX - Citi said on phone that the points were earned on XX/XX/XXXX. 
- Points have not been received. 

XXXX. Spend {$800.00} or more online between XX/XX/XXXX and XX/XX/XXXX. 
- Activated XX/XX/XXXX. 
- XX/XX/XXXX - Citi said on phone that online spending in the account qualified for the promotion. 
- Points have not been received.

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 2023-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I had a fraud issue where someone stole my information and gained access to my account. This all happened XX/XX/XXXX as soon as I noticed my information was missing I called Bank Of America when I called the rep stated the best thing would be to have the account frozen and open another checking I said ok. I fast forward to XX/XX/XXXX my account was locked I could not log into my online banking I call and was told my account is being closed and I would receive a cashiers check I asked questions reps were rude reading scripts about the account being closed not one rep over the phone could answer my questions or help me. I then decided to go to a Bank Of America Branch which is located at XXXX XXXX XXXX XXXX, CT XXXX I figured it would be better for me to go to a branch in person so my identity could be confirmed. I spoke with a banker at the branch briefly the banker did not take my information or run my information the banker did not even ask me my name. I left for a second I came back because I needed to speak with a banker about my situation the same instance happened I spoke briefly with a banker for the second time still the banker did not ask for my name nor run my information which is negligence because I've never banked at the XXXX XXXX branch they do not know who I am. I went to the branch because it is the closest branch to where I live I usually go to the branch that is a town over from me. After leaving I called the risk and closure department and asked if I could pick up the cashier 's check in person I was told no it has to be mailed and it would take 10 days. The issue I have with this is when mailing a check the check can be mailed to the wrong person or to a person pretending to be someone I personally feel it would make better sense to make the account holder come to the branch with their ID and social to verify their identity and then issue the check once identity has been confirmed in person. I contacted the risk and closure department today XX/XX/XXXX I was told my account would be closed on XX/XX/XXXX this is a big problem I face eviction from non-payment of rent I take care of my Aunt that is XXXX and on XXXX  my Aunt can not stay in a shelter and we do not have family here in this state that we could stay with not to also mention it is holiday time and I literally have no money because BANK OF AMERICA HAS IT ALL. If Bank of America needs proof of where my money came from I can provide proof Ive received my money from employment, unemployment, student loans, and personal loans I'm willing to provide this information if it helps. A month from now is unacceptable please please please help get this resolved sooner.

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 2023-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent account from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent account from my credit report as soon as possible.

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 2023-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Inproper use of my credit i was never late on this account saying im late on my report please show me Documentation and proof of transaction..showing i was ever late to support your inaccurate reporting to my account... if they can not supply this please Delete this alleged late payment from my credit report ... this is an invalid late payment ... The FCRA allows 30 days for this to be rectified... thank you.

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 2023-12-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Ocwen Financial Corporation
State: OH

Complaint narrative:
I filled out the bi-weekly form and sent it on the XXXX of XX/XX/XXXX. Their form states 3-5 business days to have it done. I called on XX/XX/XXXX and PHH stated they can not have biweekly setup by XX/XX/XXXX. I asked if there is a way, they can take two half payments this month and start bi-weekly on XX/XX/XXXX. they stated no. the only thing they can do is accept full payments. How is that right they can dictate what you pay on the mortgage. How are they able to push back so they can make more money off their customers.

Company response to consumer: Closed with explanation