vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Greetings, I have been a Bank of America customer for over 20 years. I have a checking, savings and two credit cards with the bank. Approximately two months ago I noticed that a new credit card ( specifically a XXXX XXXX XXXX credit card ) had been applied for and opened in my name without my consent. I immediately contacted the bank, and the account was closed. However, due to the breech I paid for credit monitoring services. I now realize that BofA opened this account without my consent. The bank had informed me that they would send me a copy of my application for the credit card. This was never received. I would like to be compensated for the dip in my credit score due to the new card being opened and the cost of the credit monitoring. 
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 2023-07-12 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldous & Associates, PLLC
State: TX

Complaint narrative:
Aldous & Associates responded to the CFPB with factual misrepresentation. In complaint XXXX they were unable to prove the debt and when they responded this company continues to commit fraud. They have placed an inaccurate file on my credit report and when I dispute with the CFPB they commit fraud by claiming I did not send any dispute of debt. A dispute of debt was sent on XX/XX/2023, and was received by Aldous & Associates on XX/XX/2023. I will attach the XXXX certified electronic confirmation to this document. I will also attach the letter I sent to them on XX/XX/2023, to this document with the exhibits. 
This company continues to cause harm to my file with inaccurate information. I have shown that they have made an error and the FCRA requires they investigate which they do not do. Per conversing with a CFPB representative I have been instructed to attach the XXXX XXXX confirmation that I sent this debt dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: John C. Heath, Attorney at Law, PLLC
State: NY

Complaint narrative:
XX/XX/2022 I missed appointment at laser a way now they claim I owe them XXXX I have been paying XXXX and Lexington law firm for 2 years and still this information is on my credit report. I want this account off my credit report, I have no documentation but I called numerous time to tell them I cancelled the appointment there was no payment used so I should not have to pay for services I never had.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my 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 non-monetary relief
Consumer complaint received 2023-07-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Continental Finance Company, LLC
State: TX

Complaint narrative:
I will start by saying Continental Finance just IGNORED me first, and then sent me a standard rejection letter. I always make sure and take care of my bills on time, however I had an unavoidable situation that occurred late last year. In XXXX of 2022, I became very ill, XXXX related, and was bed ridden for 3 weeks. I could not walk, much less leave the house. Needless to say, I fell behind on some bills, one of them was my Continental Finance account. I am also a Veteran of United States XXXX, retired on XXXX. 
All i wanted was mercy for ONE month, i am still a customer, and i have paid on time every other month, before and after my one late payment. 
Their response, they are required to report accurate information to the credit bureau. I understand that, but i also know they are lying. Credit card companies often time forgive late payments on credit cards, they just can not be bothered helping a single mother, veteran on disability, trying to purchase a home, with one late payment. I think this is unreasonable. I will attach my letters and lastly their " response ''.

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 2023-07-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: FL

Complaint narrative:
Company attempts to collect debt that I am not aware of. I mailed a debt validation letter and previous company sold the debt to another collection agency without my consent of my personal information being sold from one agency to the next!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 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: LA

Complaint narrative:
I have been trying to dispute this inconsistent off my TransUnion report I have contacted these agency on several attempts and have been unsuccessful in results. I have contacted TransUnion on this matter on XX/XX/23 and investigation was completed XX/XX/23. I launched a re-investigation XX/XX/23 and it was completed by XX/XX/23. 

>>> The information you disputed has been received. The results are : THESE ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE TransUnion CREDIT FILE SEVEN YEARS FROM THE REPORTED DATE OF THE INQUIRY.

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 2023-07-12 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: FL

Complaint narrative:
THIS COMPANY HAD CHARGED -OFF ONE OF MY ACCOUNTS BUT FAILED TO SEND ME A 1099-C FORM. ONCE THIS COMPANY LISTED THIS ACCOUNT AS A CHARGE OFF, THEY FAILED TO PROVIDE ME WITH A 1099-C FORM. THE FLORIDA STATUTE OF LIMITATION ON THIS DEBT IS 4 YEARS STARTING FROM THE DATE OF MY LAST PAYMENT. THIS COMPANY NOT ONLY CONTINUED COLLECTING ON AN INVALID DEBT BUT SOLD THIS INVALID DEBT TO NUMEROUS CLLECTION AGENCIES WELL PAST THE STATUTE OF LIMITATION FOR COLLECTING ON THIS DEBT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 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: BOEING EMPLOYEES' CREDIT UNION
State: WA

Complaint narrative:
I bought a piece of furniture on XX/XX/XXXX. XXXX was supposed to take place XXXX weeks after purchase. On XX/XX/XXXX the company filed for bankruptcy. They were purchased by another company who continued to say that would try to settle debts with vendors so that purchased furniture could be delivered to customers. In XX/XX/XXXX the company canceled my order and had me file a claim against the bankruptcy and be listed as a creditor entitled to payment. The deadline for submitting was XX/XX/XXXX. I emailed the law firm and they said to get back in touch after that deadline. Now they are saying that there will likely not be any reimbursement for unsecured creditors because the debts are too great. My bank is saying that they cant help me because I didnt file the dispute within 60 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 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: HYUNDAI CAPITAL AMERICA
State: GA

Complaint narrative:
The finance company still shows a balance and open account when 2 months ago the account was paid in full according to the finance 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 2023-07-12 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: American Credit Acceptance, LLC
State: MA

Complaint narrative:
On XX/XX/XXXX my car was repossessed for {$900.00} last due. I've had the car for over 4 years and I've had a 100 % on time payment history. I just had a baby last month and have been out of work so I'm financially struggling. I've tried refinancing with no luck. The car is currently broke down and they want the full amount which is almost {$1300.00} ( {$900.00} past due, {$360.00} for the repo fee, and about {$300.00} of late fees ). I bought the car in XXXX for {$16000.00} with a 24 % APR. I should've had the car paid off already but with that high APR I'm still making payments. Id like to find out options to help with these scammers, its not right what they're doing!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: HUNTINGTON NATIONAL BANK, THE
State: CO

Complaint narrative:
I filed a dispute with my bank huntington the dispute refernce number is XXXX my insurance company commited fraud they said they wouldnt charge my account anymore and i removed my bank details but they charged it anyway they had my info saved in the system they commited fruad my bank wont refund me

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

Complaint narrative:
BANK OF AMERICA. Recently in XX/XX/XXXX. I found thousands of dollars claimed to have been deposited in my Bank of America acct., related to a XXXX case paid by a Federal Government office. A check that was deposited in XX/XX/XXXX after opening a Savings acct. I found years of up to date of bank statements that was altered. Fees charged to my acct that I didn't even have knowledge of, transactions made to companies never heard and/or used before. I recently learned of XXXX credits cards used at a business vendor. I found reports on my Credit Report for vendors. I had no knowledge of the BOA activities. I submitted all what I recently discovered to The U.S. District Court of Maryland. 
Also submitted was a singed letter from former XXXX XXXX XXXX of {$1400.00} from Covid Relief when I only received {$600.00}. There was no reflection of that deposit. 
I also recently made a withdrawal from one of BOA ATM machines, by taking too much money. I tried to redeposit the money and the ATM rejected the same money given to me. I believe BOA is depositing Fake money into its ATM 's.

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 2023-07-12 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: NJ

Complaint narrative:
Please eliminate these deceptive accounts from my credit report as I never authorized anyone to use my account. Kindly remove this incorrect 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 non-monetary relief
Consumer complaint received 2023-07-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Consumer Adjustment Company Incorporated
State: LA

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX XXXX and XXXX of XXXX I was charged on my bank account through someone elses fraudulent use of some kind. I disputed this with my bank Wells Fargo and they have somehow denied me this I can not understand because none of these charges were mine, and the way that I found out was through an alert from the bank. The bank only alerted me on the final charge, which I called immediately after the alert and have been cooperating with them the whole way through. They never requested anything from me. They never ask me any questions they only denied my claim, which was totally not my use of the card was someone else these charges totaled in about XXXX charges the total amount was under {$400.00} many charges like I said {$43.00} {$22.00} {$100.00} so on and so forth I do have a claim that was open with them that is now closed without giving me back this stolen money I have a direct deposit to this bank of over {$1000.00} every week and do a lot of banking with them and have been with them for a few years. I have had very little disputes or claims of any kind and I do not understand why Im being treated like this.

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 2023-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Webcollex, LLC
State: VA

Complaint narrative:
I never applied with that company. That and I never lived in Texas

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
On Friday XX/XX/2023, I attempted to use my account at Chase Bank, only to see my card was not working. Once I noticed this odd action, I immediately gave them a call. They informed me that my account was restricted and they have chosen to close the account. Chase would not provide me a reason as to why this was happening. I asked why can I not know and they stated that I will be receiving a letter via mail in 10 business days. They also stated that I would receive my funds in approximately 2 weeks. So I asked, it would have take me this long to even know what was going on with my account if I did not call. 

On Saturday XX/XX/XXXX, I was told by a service rep that I would be able to go into the branch and have my funds made out in form of a cashier check. Moving forward on Tuesday XX/XX/XXXX, I went inside of a branch only to find out that I could not even do that. They were still " under review '', but still no explanation of said review. 

On Wednesday XX/XX/XXXX, I see that I no longer even have online access to review my account nor see the amount of funds I have in the account. When I called in they did not state why I could not see my account. Although the warning told me to give Chase a call to have viewing access back, they still refused to do so. 


I have an ACH incoming into the account and I am not even able to see if the funds hit or not. They will not provide me an answer and says I should just check in daily with the sender to see if they had some sort of return. 

I have several bills coming up or now past due thanks to chase. Which will include me in late fees and no reasonable explanation to the companies as to why I am late. This has been the most unprofessional and untrustworthy process from a bank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-12 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: NJ

Complaint narrative:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
This collection is listed on my XXXX credit report but not my XXXX. In addition, I was not informed of this debt. Please validate debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I applied to American Express for a XXXX XXXX credit card. They advertised a XXXX mile bonus if I spent {$2000.00} in the first 4 months. I spent the money but did not receive the bonus miles. 

When I called them they said that the bonus was denied because I had applied for too many other cards with bonuses then canceled the credit card after a while. They did not however provide any specifics as to which credit cards they were talking about and refused to send a formal letter stating specifically why I did not receive the bonus miles and which other accounts they were referencing in the refusal to grant me the bonus miles.

They also stated that during the application process I was given the option to not go forward because I would not receive bonus miles. I do not remember seeing this page and again they would not provide proof that it was shown to me..

Company response to consumer: Closed with explanation