vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Albert Corporation
State: NC

Complaint narrative:
On XX/XX/22, I signed up for a bank account with XXXX. I clicked through my son 's referral link, stating we would both earn {$150.00} after : -Receiving a qualifying Direct Deposit of {$200.00} or more every 30 days for 90 consecutive days.

-Spending at least {$100.00} or more on the debit card every 30 days for 90 consecutive days The attached " XXXX '' shows the requirements for receiving the bonus. 
The attached " XXXX & XXXX '' shows the terms & conditions, governing qualifying debit card spend and direct deposits. 
The attached " XXXX  '' shows that I've met these requirements within the terms & conditions. 
The attached " XXXX '' shows that the referral successfully tracked. 
The attached " XXXX '' shows that their system has failed to successfully tag my employer 's direct deposits as legitimate. 

I reached out on XX/XX/22 about receiving the bonus, and received a canned response, shown in " XXXX XXXX Despite all of this I'm receiving an apathy toward researching the matter. I'm hoping by filing this complaint, that the issue can be taken seriously, and that my son and I can receive our bonuses.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Problem with AAA of the XXXX XXXX XXXX XXXX. 

1. On XXXX XXXX, XXXX, I received notice from AAA that effective XX/XX/XXXX my existing Bank of America AAA Visa Card would be cancelled, and that I would receive a new " AAA Dollars Plus Visa Signature '' Card ( issued by XXXX XXXX  ). 
2. I had accumulated over XXXX Rewards Points at the time that card was cancelled by AAA. That AAA/Bank of America Rewards Program specified that every 25,000 in Rewards points could be converted into {$500.00} in cash or {$700.00} in AAA Travel Vouchers . Accordingly, those 126,000 existing points could have been converted into {$2500.00} in cash or {$3500.00} in AAA Travel Vouchers. 
3. When I received my first statement from the newly issued AAAXXXX XXXX Card for the period ended XX/XX/XXXX, it reflected under the " AAA Dollars Plus Rewards Detail '' that I had {$1200.00} in " converted rewards '' ( from the prior AAA Card that was cancelled by AAA ). In other words, I was credited with ONE HALF the dollar value that had accumulated under the card that AAA cancelled. THERE WAS NEVER ANY DISCLOSURE IN ANY OF THE COMMUNICATIONS FROM AAA THAT THE VALUE OF MY REWARDS FROM THE CANCELLED CARD WOULD BE REDUCED BY HALF ( OR MORE BASED ON THE POTENTIAL CONVERSION TO AAA VOUCHERS ).

4. I called AAA regarding this issue on XX/XX/XXXX, and was told that they would " review '' my issue/complaint. About a month later I called again, and was told by a " supervisor '' that the " computation '' of my reward amount was correct ( based on the never-before disclosed point that the conversion factor for previously accumulated rewards points would be based on1 % - vs. 2 % on the cancelled card )!

It is clear that in changing their rewards program in the way that AAA did ( with totally incomplete disclosures on the impact on the accumulated awards of existing card holders ) AAA succeeded in dramatically reducing the financial obligations that existed under the " cancelled '' VISA Rewards program. I am reasonably confident that I was not the only cardholder impacted by this action. In my opinion this action by AAA of the XXXX 's is/was at the very least fraudulent, and perhaps criminal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03 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: UPGRADE, INC.
State: IL

Complaint narrative:
Received a packet of information in the mail from UpGrade - account information, pin, debit cards. Never activated them. Called UpGrade to ask them to close this account. It is a line of credit. They farmed this out to the XXXX XXXXXXXX XXXX XXXX XXXX ( XXXX ) - I live in Illinois. Called them ... they sent me several letters saying that I had tried to change the PIN ( first red flag ) and then a statement show that an ACH payment to a routing number at XXXXXXXX XXXX in XXXX, PA I then received a letter from them stateing they had terminated the account to to improper account activity. UpGrade continues to send me statements, which are seriously past due. I have had no luck with UpGrade closing this account. It is now on my credit report and show a balance of {$7000.00}. My bank will vouch for the fact that I have never received this money. I have had a freeze on my credit for the past two years so this company never checked my credit before issuing this line of credit to who ever used my name, address, and email address. I now have a fraud alert on the three credit bureaus. I filed a dispute but this week XXXX sent me a letter saying that UpGrade is saying it is mine. I need help getting this off and getting UpGrade to close this account and remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03 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: CA

Complaint narrative:
My information got stolen in XXXX im just now noticing I have a Identify theft report on file of things i did not authorize nor have knowledge of. i have XXXX XXXXo credit card for XXXX XXXX  for XXXX i have XXXX XXXX for XXXX I have hard inquires 8 of them 8 items in collection on my credit report what i have attach to my identity theft report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC.
State: TN

Complaint narrative:
I am an XXXX XXXX XXXX  who recently returned from a XXXX to XXXX on XX/XX/2022. Ally Bank denied me access to my savings account due to suspicious activity on the account, even though it was me trying to access my account from XXXX. When I returned home, I called Ally multiple times to resolve the issue ; however, my account is still on hold and I can not do anything with the funds I have in that account. Ally keeps telling me that I may have to wait up to 90 days for access.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
Dear representative, I sent a debt validation letter two times in XXXX and one time on XX/XX/XXXX and each time this company failed oto validate my debt. 

I also contacted them numerous times via email to say that this debt is being incorrectly being reported on my credit report under a tottaly differnet name then my name. 

Sincerely, 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 2022-04-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XXXX XX/XX/2022, I received an email notification that my Citi checking account had been overdrawn due to an expected monthly service charge. I had this account open for nearly two years and this was the first such charge to hit my account. I immediately called Citi to reverse the monthly charge and close the account. The service rep reversed the monthly charge, refunded the residual balance to one of my Citi credit cards, and proceeded to close my account. At this point, I was no longer able to view statements or manage my account. On XXXX XXXX 2022, I received an email notification that I owed {$34.00} from the closed account and that this amount had been sent to a collection agency. I immediately called Citi and found out that I had been charged a {$34.00} overdraft fee after closing the account two months prior, which I had no way of knowing since my account access had been removed. I requested the {$34.00} overdraft fee be removed however, the service rep was unable to remove the charge since it had already been sent to collections. The service rep said that they would send me a {$34.00} check in the mail to " refund '' the amount but at this point, there may be significant damage to my credit report. I am XXXX XXXX  with a XXXX XXXX  and any adverse material on my credit report could have severe repercussions. 

I believe that : 1 ) Citi unfairly charged me an overdraft fee for a monthly fee that had already been refunded. 
2 ) Citi improperly closed my account without addressing this overdraft fee. 
3 ) Citi provided inadequate notification of the overdraft fee and the impending action it would take. I did not receive anything in writing about the amount owed or the fact that the owed amount would go straight to collections. 
4 ) Citi unfairly took action against an account to which I had no access to nor visibility about any balance owed. 
5 ) Citi provided inadequate response to rectify the overdrawn amount after I called on XXXX XXXX 2022 and was promised a " refund '' check. The damage to my credit report may already be done and will have lasting and irreversible effects.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
I opened a claim with PayPal Credit for an amount of $ XXXX for a XXXX XXXX transaction. I placed an order online that never was picked up. PayPal Credit ( Syncrony Bank ) denied my claim with no clear reason, I never received an explanation of why my claim was denied and the credit was reversed to my account. I called Syncrony Bank and XXXX account manager did not have a valid reason, he said that XXXX XXXX provided documentation and they want something from me. I explained XXXX that there is not documentation to provide at my end. I placed an order online to pick up, the following are the terms from XXXX XXXX in regard of this kinds of orders : XXXX XXXX XXXXXXXX? XXXX Here 's how it works : During checkout, choose Store Pickup and select your store We'll show you an estimated pickup date Place your order and wait to receive a " Ready for pickup '' email ( this is a separate email from your order confirmation ) Bring your ID, credit card and order number to the store and pick up your items We'll hold your items at the store for 5 days ; if you don't make it in by then, we'll cancel the order and refund your method of payment If you cant pick up your order within 5 days and you dont want it to be canceled, check your order details for extended pickup options. 

Will asked for proof that I canceled the order, but the terms an condition in regards a cancellation for this kinds of orders are the following : Changing or canceling Store Pickup : If necessary, you can change or cancel your Store Pickup order. 

Time frames to keep in mind : To switch from Shipping to Store Pickup, let us know within 30 minutes To switch from Store Pickup to Shipping, let us know within 5 days You can cancel a Store Pickup order anytime Well hold items at the store for 5 days if you dont make it in by then, well automatically cancel the order If you cant pick up your order within 5 days and you dont want it to be canceled, check your order details for extended pickup options https : XXXX? XXXX - Per terms and conditions, I am not required to call to cancel the order, as the order gets cancel automatically after 5 days if not picked up. I did not picked up the order, and XXXX XXXX is refusing to refund my payment method.

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 2022-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03 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: EQUIFAX, INC.
State: SC

Complaint narrative:
XX/XX/2022 - Equifax, XXXX and XXXX. I am requesting the removal of all hard and soft inquiries that are older than two years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Account shows several incorrect amounts of late payments. XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
Account is over 8 years old.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Account shows several incorrect amounts of late payments. XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
Account is over 8 years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03 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: SC

Complaint narrative:
XX/XX/2022 - XXXX, XXXX and Transunion. I am requesting the removal of all hard and soft inquiries that are older than two years old.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
XX/XX/2022 - XXXX, Experian and XXXX. I am requesting the removal of all hard and soft inquiries that are older than two years old.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My information got stolen in XXXX im just now noticing I have a Identify theft report on file of things i did not authorize nor have knowledge of. i have XXXX XXXX  credit card for XXXXXXXX XXXX for XXXX i have XXXX XXXX for XXXX I have hard inquires 8 of them 8 items in collection on my credit report what i have attach to my identity theft 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 non-monetary relief
Consumer complaint received 2022-04-03 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My information got stolen in XXXX im just now noticing I have a Identify theft report on file of things i did not authorize nor have knowledge of. i have wells fargo credit card for XXXX XXXX  for XXXX i have XXXX XXXX for XXXX I have hard inquires 8 of them 8 items in collection on my credit report what i have attach to my identity theft 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 2022-04-03 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
Credit Acceptance Corp has different balances owed for an auto loan on my credit report. I informed them that the information and address they have on file is incorrect. However, after I disputed the account Credit Acceptance Corp marked the account as current status on my XXXX credit report with a different balance than my XXXX credit report but sent new documents to my new address without verifying me and is harassing me and attempting to collect an auto debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
False/wrongful Debt Collection from BestBuy/CBNA was reported to all credit bureaus has remained open since XXXX  without my knowledge. The account was to be closed the same day it was opened. The Best Buy employee didnt have my name correct or the correct address and above all that it wasnt the card I even applied for, I applied for a card that did not have an annual fee. I was expecting a check for the down payment/first payment that I put on a laptop I purchased but then returned the same day not 30 seconds after the purchase went through. I was told that because the account had technically been opened I couldnt get back my {$300.00} cash that I had literally put towards the first payment/down payment since it now fell under the credit card companies responsibility. Being that the name and address were incorrect I couldnt even log into my account to resolve this and therefore assumed that it was closed like I was told. Best Buy/Citibank/CBNA to this day still owes me a check for {$300.00} and I would appreciate a call from management to have it reimbursed to me and this stricken from my credit report because its honestly the right thing to do. Its frustrating for me to not have someone that can actually help me that works for that company for they cant even bring up my old account because its been so long which is just lazy and extremely poor business practice, not to mention disgraceful to say the least. I have contacted Citibank and spoke with multiple people who just say sorry, cant help you but they really just wont help me. I have tried so many times to resolve this in every way I can think of and even more Im tired of everyone delegating my issue to somebody else who just points their finger at another department spinning me in circles wasting my time and causing more frustration on an already frustrating issue. Is this really how how people should be treated and how a company should do business? This needs to be resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03 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: REGIONS FINANCIAL CORPORATION
State: MS

Complaint narrative:
I have filed a dispute in regards to incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: WA

Complaint narrative:
XXXX XXXX XXXX XXXX sold my debt for pennies on the dollar to a 3rd party Portfolio Recovery Associates LLC without my permission a violation of the privacy act sold my name date of birth social security number first one XXXX  XXXX XXXX  ending XXXX XXXX XXXX for {$2300.00} second one XXXX  XXXX nbr ending XXXX XXXX XXXX for {$6000.00} in addition to my privacy act Portfolio Recovery was in violation of the FCRA and within 5 days did not provide verification of debt. 


They have reported to all three credit bureaus that they own the debt as a collection and report that the accounts are seriously past due. a collection by default is past due. Ive attempted 3 times to get this removed from my credit report. most recent through the bureaus dated XX/XX/2022 with a verification of debt letter that was updated in the credit bureaus but no change and no verification sent to me. 
the credit bureaus repeatedly send to Portfolio rather than deleting the record with clear violations of the FCRA I have never done business intentional with Portfolio Recovery Associates LLC

Company response to consumer: Closed with explanation