vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-11 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: FIFTH THIRD FINANCIAL CORPORATION
State: NC

Complaint narrative:
I lost my card back in XX/XX/2022. I called the bank immediately and told them that I had all the transaction that were made. They kept telling me that they use my pin and that they could not get my money back. I visited it 2 times and they never told me that the real reason they disputed it was because I did not dispute other transactions that were made at XXXX, XXXX, XXXX  atm and so forth. They were rude and dismissive. Its happening again under another XXXX station and I want them to look at this case over again. Because I gave them all the transaction tthqt were made and were made during over night and out of my ordinary norm. I know it's late but I did not know I had the option to file a complaint against 53 bank debit card I here. I tried and tried but they kept denying me. I even provided a poloce report and they were dismissive. This needs to be looked at. The bank was notified immediately within hours of the unauthorized transactions. The case number is XXXX and their phone number is XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Baxter Bailey & Associates
State: CA

Complaint narrative:
Hello, we have been contacted by XXXX XXXX from Baxter Bailey & Associates out of XXXX, XXXX XXXX to be attorneys. Upon contact, they state they will file civil charges including defamation and harassment. When asking for paperwork for the client they represent, XXXX was unable to furnish proper paperwork confirming the legitimacy of their client. XXXX has on multiple occasions threatened legal suit and slander if we don't pay their client. However, their client breached our contract under " fraud '' for double brokering a load. XXXX has even spoken on behalf of their attorney XXXX XXXX, practicing out of TN and instructed us over the phone that XXXX had every right and authority to speak on behalf of their client and attorney without being barred himself. Baxter Bailey & Associates are representing fraudulent actors in motor carrier operations, threatening defamation and pretending to be attorneys.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Blue Front Financial, LLC d/b/a Ladder Loans
State: IL

Complaint narrative:
Hello, I received a solicitation in the mail from Ladder Loans. I submitted my information online through their website as instructed. After no follow up from the company I called to check, XXXX answered the phone took my info and said he knew right where to go for my loan as I had a XXXX credit score and would call me back that afternoon. No call back. I tried on Friday and left a message. I tried back on Monday the XXXX of XX/XX/2023, got a hold of XXXX, said they were having technical issues and that my file was with someone else in the office and they would call me right back. No call back from them. I tried later that afternoon and got the switchboard operator. An hour later I got a text from XXXX, not the other person he said was now on my file and said he emailed me some quotes and to text him if I wanted to proceed. Never received his email. I called and texted that I received nothing. No response from them. I got online to see if there was any feedback on this company and found a recent complaint about the same XXXX. I am concerned that my social security number and personal information may be in the wrong hands. I appreciate any help you may be able to offer concerning this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
TransUnion failed to comply with 15 USC 1681s-2 ( b ). TransUnion is civilly liable under 15 USC 1681 ( n ) ( i ) A dispute letter was sent due to inaccurate information being reported and a reinvestigation of the claimed verified information from the furnisher.

TransUnion failed to conduct a reasonable procedure by their own industry standard of Metro 2. TransUnion failed the Metro 2 standard requirement to report the full DOFD a ECOA requirement code -37 which is a violation of code. ECOA requires the date of first delinquency to report the month/date/year, not just the month and year as being reported.

TransUnion failed to report the account type as credit card code 18. The account type being reported as charge off/collection which is not an account type. TransUnion failed to report consecutive 24 months of payment history. Failing to report accurately presents willful noncompliance. 
In conclusion, TransUnion has failed to conduct a reasonable investigation as required per 15 USC 1681s-2 ( b ) Due to your inaccurate reporting and failure to comply with 15 USC 1681s-2 ( b ), I received damages and harm due with a recent denial for a home loan. Because I was not able to secure a home loan, my family and I moved to temporary housing until I was able to secure permanent housing. My family and I also suffered a loss of days at work and school, moving expenses and losses of utility transfer fees and deposits.

Therefore under 15 USC 1681n TransUnion is liable for actual damages, {$1000.00} violation and punitive damages.

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 2023-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Regarding incident XXXX Citi did mail a check to me via XXXX in the amount of {$120.00}. I tried to deposit the check into my bank account and the deposit was rejected. Citibank provided me with a bad check! I did attach the email provided by my bank showing reason for check rejection.

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 2023-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I was speaking with this company about settling my debt. I provided them my card information and all and agreed to pay the debt for a lower amount. This company used my card without my permission and charged it for the entire amount of debt rather than the amount we agreed on settling for.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: SANTANDER HOLDINGS USA, INC.
State: MI

Complaint narrative:
I have been dealing with this bank Santander for a while trying to get money that is mine back to me. I leant money to a friend and supposedly the XXXX of the bank wanted me to pay XXXX to get XXXX XXXX from my friend. I never trusted the person who never gave me ID verification. He wanted access to ny bank accounts and drained them once during this time saying he wanted to keep my money safe from XXXX XXXX XXXX that he says that he has He claims that he can not share this aqs it is bank property.t rgotten the money back from them and it has been added to the XXXX which is now up to XXXX have been trying to get a document from the bank that says you need to give money to get money. This is not right especially if you are on social security fir them to be able to ask for more money that will be added to the total. I know that I am not the only one who is having this happen to because if XXXX XXXX  does it I am sure that other banks also do it. He never gave me account number where the money 's being held.

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 2023-04-11 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 aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese 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 2023-04-11 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: FL

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 aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese 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 2023-04-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have attempted to handle this with TransUnion several times. Please be advised that this is causing defamation of character and causing financial damages and hardships. I will constitute a failure to provide such a response within 7 business days as your acceptance that this debt is not valid. PLEASE VERIFY, VALIDATE, AND send me DOCUMENTS with the proper documentation that I am LEGALLY OBLIGATED to pay this alleged debt. A simple response or answer of being VERIFIED does not make up a legal or lawful response. I DEMAND THAT YOU REMOVE ALL THE FOLLOWING ACCOUNTS IMMEDIATELY. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: UPGRADE, INC.
State: CA

Complaint narrative:
I am aware and have proof in attachment labeled as Exhibit A An application was made in good faith, with the understanding that I would be considered for credit based on my creditworthiness and other relevant factors. Despite my application being made in good faith, no credit was receive. I am aware and have proof in attachment labeled as Exhibit A These facts are proof of fraudulent activity and unauthorized use of a credit card on behalf of Upgrade , Inc . This conduct is in violation of various federal laws, including but not limited to : 15 USC 1602, 1642, 1691c, 15 USC 1692k, 1681m, 1681n, and 1681o, as well as 12 CFR 1002.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
My unauthorized withdrawals claim has been denied again. I notified the bank in a timely manner when I first noticed my account balance. I was hospitalized from XX/XX/XXXX until the XXXX on an involuntarily hold so I couldn't leave or have visits. During that time my account was drained of my money without my authorization or knowledge. I notified my bank right away and they provided me no provisional credit while their investigation lasted 90days. For them to deny it. I would like to know why they say that there is no mistake and that the transactions in question where approved therefore no error is found. What proof do they have to make such a statement? When I am clearly a victim of identity theft and that was not me or anyone I know withdrawing money at the ATM. I am requesting then to look at the ATM videos to see that it was no me who withdrew the money. This is 5 months of my social security income that I desperately need returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: CA

Complaint narrative:
I cant access my account as of XX/XX/23 and i contacted Chime support, they keep ignoring my request to speak to a supervisor and keep playing games

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I always pay off my credit cards every month, so I was surprised to find that Chase charged me interest for two months in a row. I tried to figure out why that would be, and I finally realized that maybe they don't offer the 25-day grace period that has been the standard for the past 30 years. So I tried to look up on their website and find what the grace period for purchases before interest is charged. I could not find ANY information related to the grace period. I finally resorted to XXXX, which informed me that Chase typically offers " at least '' a 21-day grace period. No wonder I was paying interest. 

I cancelled my credit card with them yesterday upon discovering this information, but not only does it seem like a predatory practice, it seems really contrary to the ideals of lending transparency that I could not find this information anywhere on their website.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: AL

Complaint narrative:
I have paid off in full XXXX XXXX, but the company Wayfair/ Comenity Bank . As of XX/XX/2023. I have received serval phone calls stating the account is delinquent. The amount I paid off was {$24.00}, now Wayfair / Comenity are stating I owe {$170.00} in late fees. This is incorrect an unjust enrichment. I pay my bills timely and correctly you can check my credit report. I refuse to be extorted for fees that don't belong to me. The account number is # XXXX, I would like this corrected on all 3 credit reporting agencies as well a letter to me stating the correction. Thanks

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/XXXX I sent a friends and family payment of {$440.00} on paypal to what was a mutual on social media in the XXXX XXXXXXXX XXXX. I believed I was buying concert tickets to XXXX 's XX/XX/XXXX show, and since we were mutual followers and she ran an active fan account I didn't think anything was weird until she kept making excuses not to send the tickets. That's when I found other 's on XXXX  calling her a scammer and pointed this out to her, she told me she already spent my money and then stopped responding. I have filed a police report on top of disputing with my bank and have reported her to XXXX ( who has taken down her account ) However, disputing the transaction has been a nightmare. Paypal told me to contact my bank and they'd be able to send the information on their end to have it charged back, however my bank denied this and told me I need to contact Paypal, then I call Paypal and they tell me to dispute with my bank, this has been back and forth and I just want my {$440.00} back. I never received tickets, they did not ever exist this woman scammed multiple XXXX XXXX fans and Paypal isn't even blocking her account. I just want my money back as it is a fraudulent charge. The charges are 2 separate charges of {$220.00} labeled ticket 1 and ticket 2.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY

Complaint narrative:
Select portafolio was charging me mortgage payment that dont belong to the bank they was working for treating to foreclose

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: DISCOVER BANK
State: PA

Complaint narrative:
This collection company has repeatedly called me for months nonstop which is very disturbing. According to 15 USC 1692c, 15 USC 1692d, and 15 USC 1692b Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-11 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TransUnion sent notice that it did not appear that my dispute " didnt appear that I sent the dispute to them by me and they wont process my dispute. I, XXXX XXXX, am demanding my dispute be investigated and completed within the lawful timeframe.

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 2023-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XXXX XXXX ACCOUNT NUMBER : XXXX Shows a balance of {$950.00} The account has been paid in full several weeks now. Even after other information has refreshed and updated this balance still reports falsely. 

The Credit Bureaus continuously report this information without written permission and also inaccurately. These are violations. 

Now weeks or continuous false reporting.

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 2023-04-11 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: FL

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 aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese 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