vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-04 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
My company purchases gift cards from American Express on a regular basis for employee incentives. Since XXXX of 2023 there have been several occasions where the gift cards received had already been used. The cards are either hacked or someone is taking pictures of the cards after they have been printed and is using the numbers to make purchases before the cards are used by the actual purchaser. I recently gave out gift cards to my employees for appreciation. These were new gift cards still sealed in the envelopes from American Express. I had several employees contact me and tell me their gift cards had {$0.00} balance on them when they first tried to use them. These were all {$100.00} gift cards and so far I know XXXX of them that were compromised, meaning they were new {$100.00} gift cards still in the envelope, but they had balances less than {$100.00}. Some had {$5.00} left on them, some only XXXX. I called XXXX to file a complaint with Amex and get the issue resolved. This is the only number provided to call for customer service today XX/XX/2023. I was put on hold several times. I had to explain the situation to XXXX different people and give them the XXXX different gift card numbers each time. At one point I was put on hold for over an hour. I was told that there was no email address to which I could send my complaint, nor was there a direct number to call should the issue arise again. After being on the phone for over 2 hours I was told that they were having technical difficulties and that I needed to call back. I was told the best time to call back would be at midnight. My company has spent hundreds of thousands of dollars on Amex gift cards over the past 5 years, and recently these scammed cards have become more of an issue. My call today was over {$600.00} worth of scammed cards and there may be more out there that my team has not let me know about yet. The customer service from American Express in trying to get this resolved has been awful. And so far there has been no resolution. I am attaching photos of some of the compromised cards.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
On XX/XX/2023, Franchise, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX gave my information to a Santander Bank , N. A., formerly XXXX XXXX  , subsidiary of the Spanish Santander XXXX XXXX XXXX. XXXX XXXXXXXX s/n, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

I did not authorize, XXXX XXXX XXXX XXXX XXXX to give my information to any third parties. 

The answer service clearly states the phone number is registered on the Do Not Call List.

A violation of the Do Not Call ( DNC ) can be up to {$43000.00} per call - varying from {$100.00} up to {$25000.00} per call. Santander called me four times. I have a home in Texas however I am a California resident - not a Texas resident. Also, XXXX XXXX XXXX XXXX purposefully gave my information to Santander without my knowledge or permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA

Complaint narrative:
Dividend finance online system is faulty. I setup ACH payments. For some reason the XXXX payment shows past due for XXXX days even though I got a text message confirming that they received the payment and the payment history online shows that they received the payment. But now they are asking for another payment. I am not sure why they want a second payment for this month if they already received. The customer service rep lied and said I have always been XXXX month behind and have been playing catch up which is not true because I check my payment history since the beginning of the loan. After telling him that they are saying the bank returned the payment. I am looking at my bank history online and there are no returned payments. I would like the fees to be taken off my account and for them to remove any derogatory credit reporting as I have automatic payment and ample funds in my account. If they didn't process the payment that is on them, they have my permission to do so. I just made a one-time payment online and it says it is in process but I should've never had to make a second payment in the first place. The payment should have been processed via ACH the first time. The rep on the phone wanted my debit card number, something doesn't seem right about this whole scenario. The representative lied to me and now wants my debit card number???

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 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: GA

Complaint narrative:
The attached account on my report has been removed from my XXXX consumer report. Per the 15 USC 1681, all three consumer reports must be reported accurately and uniformly. Please see the attached screenshot of my report for evidence.

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 2023-05-04 00:00:00
Product: Credit reporting, credit repair services, 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: NY

Complaint narrative:
( DISCLAIMER : IM NOT A CREDIT REPAIRING AGENCY ITS ME XXXX XXXX. ) My credit report is reporting inaccurate information and I keep getting an AI bot that replies and not an actual representative. Im sick and tired of these companies selling my information illegally without my consent, they are holding me back from making moves in my life and buying a home. these accounts also keep coming back verified. These collections are violating my consumer laws and its having a tremendous effect of me. 

these accounts are XXXX XXXX investments ( Acc : XXXX ) and XXXX XXXX XXXX ( acc : XXXX ). 

I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX, I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS.

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 2023-05-04 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My Wells Fargo credit card shows an outstanding balance that is more than the running balance kept in my account. There is an amount for which there is no record : {$24.00} is the amount not showing. It is included in my outstanding balance, but is not a carry over from the previous month, nor a charge showing in my transactions. It is an amount included in my charges, but there is NO record for it. I spoke with the rep. on the phone, she tallied all of my charges and came up with the outstanding balance, but could not answer where the extra XXXX was coming from, since it does not show in my running balance or in my transactions. There is something wrong here. I have informed them I will not use my card again until this discrepancy is resolved, and she offered to transfer me to her superior. After a long time I was told I would have to wait since that superior was unavailable. I hung up. 
My account shows all transactions, and this {$24.00} is no where to be found. It is not a pending transactions nor in posted transactions. It is an amount that does not exist in my charges. I am being charged for an amount that Wells Fargo can not account for. Please investigate. I asked the bank to do so, and was stonewalled.

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 2023-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CLGF Holdco 1, LLC
State: NY

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Collection Management Holdings, LLC
State: PA

Complaint narrative:
On XX/XX/2023, I was made aware that Collection Mangement Company ( CMC ) was contacting non-associated addresses and phone numbers. XXXX XXXX stated that the number CMC had dialed was XXXX '. I called this number afterwards and did speak with someone with my name, but it was not me and my privacy was violated as a result. 

Secondly, the letter I received on XX/XX/2023 was sent to a relatives address that I have never resided at. 

Upon consultation, I believe that this violates the FCRA guidelines around credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
In XXXX XXXX XXXX I received a " statement '' from someone either posing as Bank of America or Bank of America themselves saying I opened an account called " Your Adv SafeBalance Banking '' account. It said there was an opening bal of XXXX and an ending bal of XXXX. Then XXXX came and I received another notice from them with an opening bal of XXXX and an ending balance of XXXX. So, i still believed that this was a scam trying to get me to contact them a bit like the internet " click-bait '' scams going around. I did not call and I still have no intention of contacting them as I never opened this account to begin with. I received another " statement '' from them saying that now I owed them {$4.00}, and then another and yet another until now they say I owe them {$9.00}. Let me be very clear, I have never opened this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Chime Financial Inc
State: VA

Complaint narrative:
Received an email from Chime Bank that my Phone number had been changed on my account. 

I do not have nor have I authorized an account with Chime bank. I have no business relationship with them whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 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: NJ

Complaint narrative:
I submitted a online dispute with Equifax on XXXX on their web site and got response in less than 10 hr the they verified info from the credit vendor a call credit card XXXX XXXX they status that getting a result from them in the short of time its impossible also for filing that dispute my credit score drown XXXX points a called Equifax to try to correect this issue or for them tto put my credit file back to the way it was before score drop.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I opened an account with Citizens and set up a recurring monthly transfer of {$10.00} from an external bank into Citizens to avoid the service fee. I then was never allowed to log into their website ever again, they said that I'm not permitted to see my account. I went to a branch and spoke to a teller to close my account, and withdrew all my money as cash and received a receipt for account closure. The teller told me that my account was closed. 

Next month they still withdrew {$10.00} from my external bank account. I called customer service and was told that the account was never closed, and that they'd do it then. I received another document in the mail saying that my account was closed along with a check. When I try to log into the website, they say that my account is closed and I'm still not allowed to see anything, so I can't stop the recurring transfer. 

Citizens just withdrew another {$10.00} from my external bank account. This was not planned for, and caused me to overdraft. I need the CFPB to help me force Citizens Bank to close my account and stop trying to take my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 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: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CO

Complaint narrative:
This started back in XXXX of XXXX XXXX XXXX, My payment was reversed because of what was told to me by the mortgage company that it was because of technical issues with their new payment system so I made. The payment again it was reversed again. And then finally it went through this happened again in XXXX. I called in XXXX checked and they said my payment was OK.I called in XXXX to make a payment and they said it was reversed again I made i The payment again then they had said that one of my payments was not processed and now I was behind, So after trying to figure out what was going on and why my payments were being reversed they said that their system was fine nothing was wrong and that it Was my fault due to some issues with accounts, So it's worked out a payment arrangement so that I would not be affecting my credit score. Nor would it affect the chance of losing my home. I noticed that it did get reported on my crebut after calling and trying to figure out what was going on again. They made it seem like it was my fault. ''Why didn't I ask if this would affect my credit report? '' This company has been nothing but problems for the last few months I have constantly called and tried to resolve the situation and they may Make it as if it is my fault yet. I don't get a clear insight as to what is going on. Why my payments were reversed why it is affecting my credit When I am on a payment arrangement so that it does not affect my credit This company has showed a complete lack Empathy And customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 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: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-04 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Atlanticus Services Corporation
State: NY

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-04 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: EQUIFAX, INC.
State: WI

Complaint narrative:
It is the Credit Reporting agencies duty pursuant to the FCRA to be reporting correct and accurate information on my credit report and file, however they are not. Equifax is reporting 10 inaccurate late payments for the XXXX with the account number of XXXX. This includes late payment ( s ) 30 days from XXXX XXXX 30 days from XXXX XXXX, 30 Days XXXX XXXX, 60 Days XXXX XXXX 60 Days XXXX XXXX, 90 Day XX/XX/XXXX. It also includes 30 Days XXXX, XXXX, XXXX and XX/XX/XXXX. These are incorrect and supposed to be reported as Paid as Agreed. Furthermore, pursuant to 15 U.S.C 1681 a ( d ) ( 2 ) ( A ) ( i ), a consumer report does not contain information solely as to transactions or experiences between the consumer and the person ( s ) making the report. A transaction constitutes these late payments resulting in ( Credit Bureau ) violating my Federally protected rights. To add to this, I did not give ( Credit Bureau ) written instruction/permission to furnish these inaccurate late payment ( s ) on my consumer report of file, thus violating 15 U.S.C. 1681 b ( a ) ( 2 ). It is clear that ( Credit Bureau ) has violated my Federally protected rights under the FCRA and the inaccurate reporting is causing me undue hardship and my reputation severe harm and discrimination.

Company response to consumer: Closed with explanation