vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-08 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I tried to use my BofA credit card on some purchases at the end of XXXX, but the charges were declined. Got in touch with the credit card customer service department and they informed me that my credit cards were closed. I went online trying to redeem the cash rewards that I accumulated, but the system won't allow, prompting me to call the phone number.

I called, and the customer service person can not help me with the redeem either. She said it might be due to the credit card closure, all rewards will be forfeited. I told her that I wasn't the person who closed the cards. BofA was the party decided to close them. If that was the case, they should honor and redeem all cash rewards that I earned. If they don't redeem me for the pending cash rewards because I haven't paid the credit card balance, I understood. But all cash rewards that I earned, I should be able to redeem them. The total cash rewards that I wasn't able to redeem is {$740.00}. Lots of monies in this kind of economy where everything is so expensive.

My advise to credit card consumers out there, redeem all your cash reward as soon as it is available. Do not accumulate and let them sit there. If the bank decides to close your accounts, you will lose all rewards you earned.

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: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I received a Chase Unlimited card I never applied for on XX/XX/2023 from JMBC Bank. I contacted them, told them I hadn't applied and they told me the inquiry would be removed from my credit report. They gave me information as to how to place a fraud alert on my account through XXXX so anytime there was an application done I would recieve a call to confirm my identity. I set up the alert immediately. 
This alert does work as I was contacted on XX/XX/2023 when I had applied for an XXXX credit card. 
I received an email on Saturday, XX/XX/2023 from Chase saying there was a letter on my account in regards to the recent credit card I had applied for. I thought it was awfully late since I had applied for the XXXX card XXXX weeks prior. When I logged on it was in regards to a card that was applied for on Friday XX/XX/2023. It was a letter telling me I was denied the card, not because of a failure to verify my identity, but instead gave a list of multiple other reasons for the denial. I called Chase immediately, upset that I was never contacted on Friday. They assured me the inquiry would be removed, when I asked why no one contacted me when I have a fraud alert on my account I was told I had to contact Consumer Finance. There is no one to call about fraud over the weekends but I remembered I set up my alert through XXXX and called them. They told me the alert is there, confirmed my only phone number and told me that it is up to the banks to call the customer with an alert, that it isn't an automated system in which I get a call. So I called Chase back Sunday morning XX/XX/2023 to find out why I was never contacted. I was told they could not tell me since the account had been closed, that there was no way to pull any information about the fraudlent account. I told them I inquired about it the previous night, before it was closed, and was directed to contact someone different. 
What it feels like to me is someone did not do their job on Friday XX/XX/XXXX and chose not to contact me, when I called about this error they again chose not to do the right thing and instead passed me off to be someone else 's problem. I took the steps I needed to take to protect myself and the Chase actively chose to not do what was required of them.

Company response to consumer: Closed with non-monetary relief
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: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
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: EQUIFAX, INC.
State: NY

Complaint narrative:
n accordance with the fair Credit reporting act ( XXXX XXXX XXXX XXXX XXXX XXXX ) ( XXXX Account # XXXX ) ( XXXX Account # XXXX ) ( XXXX XXXX Account # XXXX ) has violated my rights! Also i was never late on any of these accounts ( XXXX XXXX Account # XXXX ) and i never made a credit application with these companies ( 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) and feel my rights are being taken advantage of 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! 



In addition the law states : 15 U.S. Code 1681i ( A ) - Procedure in case of disputed accuracy ( A ) -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 ;

Company response to consumer: Closed with non-monetary relief
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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX accordance with the fair Credit reporting act ( XXXX XXXX XXXX. Account # XXXX ) ( XXXX Account # XXXX ) ( XXXX Account # XXXX ) ( XXXX XXXX Account # XXXX ) has violated my rights! Also i was never late on any of these accounts ( XXXX XXXX Account # XXXX ) and i never made a credit application with these companies ( 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and feel my rights are being taken advantage of 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! 



In addition the law states : 15 U.S. Code 1681i ( A ) - Procedure in case of disputed accuracy ( A ) -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 ;

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: Credit reporting 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: TX

Complaint narrative:
I am writing to DEMAND removal of XXXXDEPTEDXXXX XXXX XXXX XXXX XXXX XXXX from my report. this is a violation of XXXX usc XXXX ( a ) XXXX and my right to privacy. 
I will be forced to notify the CFPB & the FTC of violations of both my rights as a consumer and your obligations as a consumer reporting agency. I require XXXX XXXX dollars and no cents ( {$1000.00} ) per day if this reporting continues. 15 usc 1681a ( 2 ) a ( i ) clearly states transactions are to be excluded from the report. I would like all further reports to reflect this. I have no contract with TRANSUNION, XXXX, XXXX, any sharing of my private information, my non public personal information, my financial information, medical information is a violation of not only the FCRA but also HIPPA, GLBA.

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 2023-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: MI

Complaint narrative:
XX/XX/2023, I was attempting to dispute a charge I made on XX/XX/2023, with XXXX XXXX in the amount of {$100.00}. ( This initial dispute was due to me never receiving the tracking number or any kind of correspondence from the XXXX XXXX ). I tried to XXXX the Chime Support number and there was a fake Chime website with a fake number ( XXXX ). When contacting this number a woman answered, and I was explaining that I wanted to dispute a charge. I couldn't understand the woman due to her thick accent. After being on the line for XXXX minutes, I just hung up. I called a friend and was told that I could dispute the charge on the Chime website. I went on to dispute the charge on the Chime website and went on about my day. About an hour later, I received a call back from multiple numbers ( XXXX and XXXX ). When I finally answered, a guy who said his name was XXXX XXXX, stated he was calling in regard to my dispute. He stated that he wanted to do some further investigation on the dispute because he saw that someone was attempting to hack into my acct. He asked that I download an app called " Any Desk ''. He stated that he wanted to walk me through steps to lock the account so that I couldn't be scammed. He sent over a code for me to accept and once I accepted the code, he was able to get into my cash app and send himself {$990.00} to a card ending in XXXX ( this card is not mine ) then turned around and sent himself another {$650.00} on my chime " pay people '' to an email ( XXXX ). I have absolutely no access to this email or this card ending in XXXX. I've filed a dispute ( XXXX and XXXX ) and I'm currently on my XXXX rebuttal. I'm asking for help with my dispute. I filed a police report today, XX/XX/2023. I have to wait until Monday, XX/XX/2023, to receive the actual hard copy, but I do have a card with the report number ( XXXX ). Filed police report at the XXXX police station with a XXXX XXXX ext. XXXX. Thanks for your time

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC
State: SC

Complaint narrative:
Please see attachment/police report because the banks in the police report are the banks were the criminal open up multiple bank accounts in my name without my consent. I do have a consumer lawyer and we called these banks and was given information that don't belong to me such as address, phone numbers, and addresses.

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 — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Over the last 4 years I began building credit, but have not been frequently checking and finding ways to improve my credit. Over the last 2 years, I found numerous accounts showing up and no resolution to these accounts. I also noticed improper reporting on one account that was mine. I tried to take action to this back in XX/XX/, but haven't had any luck with these accounts. I reached out via email to all 3 credit bureaus, but they have failed to provide any documentation to me at this point, or solution. It is a long and tiresome process that is difficult on my family, as I can not help with approval for a new home at this point.

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: Credit reporting 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: KS

Complaint narrative:
On XXXX XXXX XXXX XXXX XXXX XXXX XXXX  requested a " hard '' copy of our credit report from Experian without authorization. We were shopping mortgages and were assured the inquiry was a " soft '' copy and would not affect our credit, which was false! We did not use this company after they lied to us.

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: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Called AMEX since gift card was not being accepted anywhere even though the {$75.00} balance has not been touched and shows available on the card. Took hours to get through to a rep who hung up on me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: OH

Complaint narrative:
I'm trying to pay my rent, the only accepted way currently is through cashapp. XXXX payment didn't go through so I tried to split it up and then XXXX payment goes through but then the rest won't. So I keep trying. Still nothing. So then I contact support and support just keeps telling me they don't have management and they keep telling me to go to the support page. These people don't know what they're doing or how to run a bank. I've been scammed so many times by cashapp and they do nothing about it. The least they can do is actually do their job and not just keep trying to send me links.

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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In the past 90 days I have sent the company a billing error request and payment to be credited to my account. I have reached out to customer service for status and nobody is able to provide me with any information. I sent the billing error request via certified mail and then sent the other via registered mail, to the trustee ( XXXX XXXX XXXX XXXXXXXX ) referencing the companies SEC filings, XXXX and XXXX forms in regards to my coupon. My coupons is a receivable that is not being credited appropriately. I have not received any response from the company XXXX XXXX XXXX . They have since listed my information as late and reflect an inaccurate balance on the account on my credit report/file. By law, during billing error disputes the company can not reflect negatively on my report and must submit responses to me in writing within 60 days of resolution. Additionally, along with not response to milling error request and the form of payment sent not being credited to my account nor returned, this constitutes discharge per 15 US code 1666 section e for failure to comply. The company is not honoring their filings through this whole process.

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 2023-12-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the fair Credit reporting act ( XXXX Account # XXXX ) ( XXXX Account # XXXX ( XXXX Account # XXXX ) ( XXXX Accounts XXXX XXXX ) ( XXXX Account # XXXX ) ( XXXXXXXX XXXX Account # XXXX ) has violated my rights! and feel i am being taken advantage of 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! 



In addition the law states : 15 U.S. Code 1681i ( A ) - Procedure in case of disputed accuracy ( A ) -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 ;

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 2023-12-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CITIBANK, N.A.
State: UT

Complaint narrative:
Citi bank, Opened a new card for balance transfer, was approved instantly. Card was to be sent out and about a week later, I received a text message that the card had been sent back. So I called the Citi Bank and was told they would resend it promptly, I did not receive the card. So I called back today for info, Turns out they just closed my account and never intended to send out my card. Took me 30 mins on their customer line and dealing with reps that clearly didn't speak XXXX. This is a hit on my credit report, and I never got my card and instead was offered to reapply to their garbage company.

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: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
PORTFOLIO CALLED ME FROM XXXX TO MY NUMBER XXXX AND TRIED TO COLLECT A DEBT FROM SOMEONE I DON'T KNOW. I ASKED FOR THEIR ADDRESS AND THEY REFUSED TO GIVE ME THEIR ADDRESS. THEY CALLED ME SEVERAL TIMES.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: NY

Complaint narrative:
On XX/XX/08 XXXX days after my direct deposit I received an email my checking, savings and credit builder accounts were closed. I immediately called the bank number XXXX and spoke to an agent. The agent reviewed my account and transferred me to another agent. In total I was transferred XXXX times and was informed I needed to send an email to XXXX with my mailing address for the refund. I sent an email and received a response was informed They monitor account activity across all of their programs ; closure of an account can be the result of a users behavior on a program. Your account was identified for closure and does not qualify for a refund. i emailed Back four more times with the same response. I had a separate issue with fraud over XXXX weeks ago and not sure if this was related or not as they will not tell me. I then received another email stating Your account has been closed by Chime and is not eligible for a refund. For more information, please review the Amendment and Cancellation section of the Chime Deposit Account Agreement.

For immediate assistance, call us at XXXX. Please let me know if you have any additional questions! I called the number to be told they will escalate the case to only receive the same response. Chime took my hard earned money in the amount over {$2000.00}. I sent an email back stating a hardship being a veteran with PTSD. I have Bills and obligations. Its the holidays. I have Tried in good faith to recoup my direct deposit. This is stealing someones direct deposit. Only deposits to the account are direct deposits. I work Hard for my money and in a desperate situation. Ok if whatever they closed the account but the funds in there are mine.

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 — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I received my credit profile and there were incorrect addresses, my name was incorrect, and incorrect phone numbers

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