vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-20 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/23 I visited a XXXX with my dog for an initial visit. They sold me an XXXX XXXX XXXX XXXX alleging that it would save me money. No terms were disclosed at point of sale. I was given verbal information only and the sales person answered my clarifying question that it could be canceled at any time without any costs in addition to the monthly fee which would end on cancelation. My dog was diagnosed with XXXX XXXX on XX/XX/23 and XXXX repeatedly pushed to do imaging scans. My dog was unable to use any of the listed procedures under the wellness plan while undergoing costly treatment for XXXX. Due to this, I called to cancel since they sold me something he could not make use of. I was told I would have to call an outside number from the actual XXXX location. I called the number and was told they would need to look into it and call me back. They did not call back so I called again to cancel. I waited on hold several times at length and was unable to get through in a reasonable time so had to try again on different days. When I eventually got an agent again, I was finally informed that in order to cancel I would need to pay a hefty $ XXXX {$2000.00} debt I was unaware and uninformed of having incurred. I am still not sure where the amount supposedly came from. XXXX refused to cancel the plan without receiving the amount. 

I and my boyfriend have continued to receive calls and emails from the vet clinic who I have told for months to stop contacting as I will no longer do business with them after seeing their deceptive and fraudulent business practices. This also violates my consumer rights. 

I am concerned the vet may have treated my dog in error and he may never have had XXXX, as he showed no symptoms and acted extremely healthy. He put ten pounds on during treatment. I was informed repeatedly that the treatment was life threatening so we really needed imaging. I spent over {$1000.00} in four months only to hear they will not cancel the plan they sold fraudulently and supposedly I owe them 1-2x more. 

I contacted my card company to protect me from them because they are committing fraud and their response was to send the card company a copy of the terms which were Not disclosed. The card company sent the money to XXXX again to reward them for committing fraud and their unethical business practices which habitually violate consumer laws.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-20 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: NY

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2023-07-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Americas Car-Mart, Inc.
State: TX

Complaint narrative:
I purchased a jeep wrangler thru Americas Car-mart and allowed a family friend to take over the payments. No paperwork was ever signed, she was not legally allowed to discuss the account or make any arrangements. They were legally required to call me for any past due payments or any payment arrangements. However its come to my attention its becoming a pending repossession they have not contact me about it or any payment arrangements that have been made. There has been changes to the account and I have been contacted at all. There was no paperwork entailing anyone but me to make any arrangements on the jeep wrangler. Now it is becoming a repossession on my credit and still havent heard from anyone about it. I was the general manager for the company. They are now following policy and procedure and letting someone sign for me to make arrangements on the account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20 00:00:00
Product: Credit reporting, credit repair services, 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: GA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from 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 2023-07-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Atlanticus Services Corporation
State: NY

Complaint narrative:
I am a victim of identity theft. I never looked at my credit report until this week and when I did I found numerous accounts that I didnt know about or open. One of these accounts was Aspire credit card. Ive never heard of this bank or card and I did not know they opened an account in my name. This was done without my knowledge and I never used this card. It looks like this card may have been open for a few months and paid by whoever opened it but I never paid the card or used it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20 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: NY

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-20 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: KY

Complaint narrative:
This is my 11th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX Balance Owed : {$8100.00} XXXX XXXX XXXX Balance Owed : {$3100.00} XXXX XXXX XXXXXXXX Balance Owed : {$510.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN, XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN, XXXX XXXX XXXX XXXX, XXXX XXXX TN, XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$8100.00} XXXX XX/XX/XXXXXXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-20 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: KY

Complaint narrative:
This is my 11th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX Balance Owed : {$8100.00} XXXX XXXX XXXX Balance Owed : {$3100.00} XXXX XXXX XXXX Balance Owed : {$510.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX TN, XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN, XXXX XXXX XXXX XXXX, XXXX XXXX TN, XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$8100.00} XXXX XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FISERV FINXACT CORE
State: TN

Complaint narrative:
This business is claiming that I owe them 6 payments of {$35.00}, for a total of {$210.00}. This is incorrect. I ordered 1 item from XXXX that was {$35.00} back in XXXX and they charged me 7 times for the one item. I talked to my bank and we allowed 1 charge to go through, because it was correct. But the other 6 charges were not, so the bank did not authorize them. Now XXXX has sent a nonexistent debt to TRS recovery services, and now they are sending us letters claiming I owe them money. I have called multiple times and have been unable to get the issue 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 2023-07-20 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: Chime Financial Inc
State: CA

Complaint narrative:
On XX/XX/2023, someone used my name and email address ( and probably other info ) to open an account with Chime, the banking company. I knew because I received a welcome email. I reported it to Chime but it took several calls before they even admitted someone had opened the account. The only action they would take was to remove my email from the account. They refused to cancel the person 's account or report them to the authorities. All they did was ask the identity thief to change the email address on the account. I know because I soon received an email notifying me that the email address on the account had been changedto an email address still almost identical to mine save a few characters. The guy opened a fraudulent account yet their only response was to ask him to change his email address.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20 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: CA

Complaint narrative:
I have carefully reviewed my credit report in Transunion. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that this company have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. 

XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-20 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am formally requesting the removal and deletion of the following accounts and associated information from my consumer report. It has come to my attention that these accounts should not have been reported on my consumer report, and their presence is a clear violation of the FDCPA and FCRA. I insist that these accounts and information be promptly removed from my consumer report to comply with the relevant laws. I demand their immediate removal to rectify this violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
XXXX reported to TransUnion Credit Report that my balance increased by {$100.00}, this caused my credit score to decrease. I have been paying on this account for many many months over 2 years without covid19 suspension of payments and this company reports negative information to my credit report. 
The balance of student loan is fraudulent as I never got a payment of the monies that were not used at XXXX XXXX and I never got any payments of monies that was not used from XXXX XXXX XXXX XXXX. When I disputed this, there was not an investigation. They bill me extreme added fees of interest and they never showed payments that were paid for 10 years after I graduated in 2002. 
The student loan has been a rope around my neck to freeze my credit score from improvement. This has took away from my education for years of rebutting navient bad unfair practices.

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 2023-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BMO BANK NATIONAL ASSOCIATION
State: NM

Complaint narrative:
On XX/XX/XXXX, I went to Bank of The West to deposit my {$500.00} 2021 NM rebate check into the ATM. I put my debit card in and started the deposit, after choosing my savings account to deposit the funds in, the ATM said the account was not linked to make deposits. The ATM then spit the check back out and gave me my debit card back. I then started the process over, this time choosing my checking account to deposit the funds in. At this point, the ATM tried reading the check and after about 5 minutes of processing, the machine shut down. I watched as it loaded back up slowly. Since it was a few minutes until closing time, I then went into the bank to ask for help since both my debit card and check were in the ATM. I went in and the first teller said theres nothing that can be done and my debit card and check would be shredded. The Senior Relationship Banker then went out to the ATM with me to see what was going on. He went back into the bank to call the ATM third party to see what to do. They said they could remotely reset the ATM and my check and debit card should come back out. After loading back up, the ATM did not return my card or the check. The Senior Relationship Banker, then gave me a buisness card with his number, since he was leaving for the day, and told me I should see the {$500.00} credit in my account the next day ( XX/XX/XXXX ), but if I didn't see the credit to give him a call. He said if it was an ATM error or any error on the banks part, I would be compensated right away. The next day, after not seeing the credit, I called him. He said the ATM technician should be out there that day and they could open the ATM and get the check. When the tech got there, they opened the machine but were not able to find my check. I was then instructed to go into the branch location to order a new card and see what they could do about the check. I went in, got a new card ordered and was told they would open an investigation about what happened with the check. Since that day, I have called multiple times, gone into the branch multiple times and called the XXXX  customer service multiple times. I have recieved 1 call back, after being promised I'd recieve calls back, and have been given no time length or information on the investigation, what the investigation entails or what will be done in the event that the check is not found.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: PA

Complaint narrative:
On XX/XX/23 I used my cash app that day which I do from time to time but I go to look at it hours later and I can't even login to see anything after a few minutes I was able to login and see a message saying that my account was closed and for no reason what so ever I have been trying to contact them every few hours for the past three days and all I get is the same message saying that it was Escalated and that someone will be getting back to me soon but I have heard nothing from anyone and still do not know why my account was closed I can verify that the account is mine no problem but I still don't know what I did to have it closed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Comerica
State: CA

Complaint narrative:
A stranger fraudulently requested a new Direct Express card. I was alerted because they were trying to change the PIN and I received a notification. I immediately contacted Direct Express, and they took action to close and send me a new card. The account was comprised again through this process and the perpetrators charged and emptied my account from two different cities that I did not travel to. 

In processing this claim with Direct Express Fraud department, they have determined that no fraud has occurred and closed the case. 

Please see detailed documents attached in .pdf file. 



Direct Express is negligent. They gave my card to an imposter and now wont be accountable to offer simple consumer fraud protection offered by any standard debt/checking account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-20 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: CITIBANK, N.A.
State: OR

Complaint narrative:
Citibank sent me a debt card/MasterCard that I never applied for a long with emails telling me to deposit funds. When I called they gave me the runaround of three different numbers for the fraud department. Finally getting someone in the right department, they wouldn't tell me if the account had more than one email attached to it or if another card had been sent to another address. They started a fraud claim and I received a letter saying that no transactions had occurred on the account and somehow missed the point that this was an unsolicited 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 2023-07-20 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am writing this complaint because I have reached out to JPMCB AUTO via certified mail XX/XX/XXXX about two late payments they are reporting inaccurately XX/XX/XXXX and XX/XX/XXXX, but I have not received a response on their end and its XX/XX/XXXX that is well over 30 days. In accordance with the FAIR CREDIT REPORTING ACT, JPMCB has violated my consumer rights. 

According to Federal law code 15 U.S Code 1666b states that a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. This includes reporting such information to credit bureaus or other entities.

According to 15 U.S Code 1681 Section 604 2 states a consumer reporting agency can not furnish a account without my written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20 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: IL

Complaint narrative:
I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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

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