vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-14 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: OH

Complaint narrative:
I was trying to cosign for my cousin to get a new vehicle and the car salesman told me my credit was too low. I told him to show me my report and print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts. XXXX XXXX XXXX {$420.00} XXXX  XXXX {$6300.00} XXXX XXXX XXXX {$550.00} XXXX, XXXX {$600.00} XXXX  XXXX {$1000.00} XXXX  XXXX {$270.00} XXXX, XXXX {$66.00} XXXX, XXXX {$110.00} XXXX, XXXX {$94.00} XXXX, XXXX {$100.00} XXXX XXXX XXXX   XXXX {$180.00} XXXX  XXXX XXXX XXXX XXXX {$430.00} XXXX XXXX XXXX XXXX {$720.00} XXXX   XXXX XXXX XXXX {$1300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
My name XXXX XXXX.Unauthorized charge {$110.00} from BJ at XXXX, I stay at home almost 2 months during covid19 pandemic.I didnt sign in and ask renewal. 
I keep call in to contact the representatives to ask them to hold or removed the late fee, interest or unauthorized charge during COVID 19 pandemic.They put me to the other department which the line you never get the answer. I lost the job at home, I hope get the answer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Hello, I had a card with Bank of America, which they gave me in XX/XX/2020, saying my earlier card was void. After a month, I was defrauded for {$3100.00} + Fees. I was told I had done transactions and also transferred money. I made absolutely no transactions, nor did I did any transaction to transfer money in that account in that time. I also got no updates on my mobile. 
I have dealt with those companies before and they went under the belly after the pandemic. They had my card saved, and seems they just went for it. 
I filed a claim with BOA. They rejected it 3 times. I begged for receipts of transaction from these merchants. 
I was told " WE CAN NOT GIVE YOU THAT ''. I was not even given a reference number for the transactions. I have attached my entire statement for your view. 

Regards, XX/XX/2020 CHECKCARD XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020 CHECKCARD XXXX XXXX-XXXX XXXX XXXX XX/XX/2020 CHECKCARD XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020 CHECKCARD XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020 CHECKCARD XXXX XXXX  XXXX XXXX XXXX XX/XX/2020 CHECKCARD XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020 CHECKCARD XXXX XXXX XXXX XXXX XX/XX/2020 CHECKCARD XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020 CHECKCARD XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020 CHECKCARD 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 monetary relief
Consumer complaint received 2020-05-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I was the victim of a fraudulent charge incurred through PayPal on a purchase from XXXX. An individual obtained my PayPal information and placed two orders through XXXX. I reported the fraud immediately, and PayPal allowed the transactions to go through. They paid for the merchandise, have since acknowledged on several phone calls that the transactions were fraudulent, and have required me to contact my banking institution to issue me a credit so I may pay PayPal for their error. I have since obtained the credit for the amount in question and was ready to pay PayPal, however suddenly my balance owed to them jumped by over 100.00 with no explanation and I can not reach anyone on the phone to resolve the issue due to the covid pandemic. PayPal has an outgoing message when you contact their customer service line that states their office is closed due to covid with no information on when it will be open. I have no recourse at this point to talk to anyone about remediation of the previous charge that I was prepared to pay, or the current additional charge that is now present on my account that is now there with 0 explanation. As a result, I am unable to remove any of my payment methods currently on file with them, and if my account is infiltrated again I am now unable to have my financial information protected. PayPal has not only held me accountable for purchases that I have not made which they have already acknowledged, but they also are negligent both protecting my finances as well as allowing me to protect myself. This is truly unacceptable. They are now saying I owe them more than 250.00.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Netspend Corporation
State: NJ

Complaint narrative:
I have received two unsolicited debit MasterCards from Netspend. I have called the company several times using the only phone number they provide but have been unable to speak with a person. The only options are to give the credit card number or my social security number. I am concerned that they will activate the account if I give them the credit card number and I am not willing to give my social security number. 

I spoke to someone at IdentityTheft.gov and they directed me to file a complain but I do not believe this is identity theft. It feels like a scam by Netspend because of their way they make it impossible to speak directly with a human being.

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 2020-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Management Partners, LLC
State: IL

Complaint narrative:
The call arrived on my mobile phone as " spam. '' Since I did not recognize the number and am working during the time they called, I allowed the call to go to voicemail. The same number called 3 times in a row, at XXXX XXXX, XXXX XXXX  and XXXX XXXX. Each of the 3 times, the same exact voicemail was also left.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 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: PA

Complaint narrative:
TRANSUNION FAILED TO INVESTIGATE THE DISPUTED ITEMS WITHIN 30 DAYS MOREOVER THEY FAILED TO PROVIDE THE INFORMATION ON FILE FOR ALL THE DISPUTED ITEMS PURSUANT TO SECTION 609 OF THE FAIR CREDIT REPORTING ACT

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 2020-05-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: MS

Complaint narrative:
I received a credit monitor alert of my credit score drop due to a change on my credit card. When I logged onto my account XXXX credit card ( Comenity Bank ) had change my credit limit from {$350.00} to {$100.00}. I've contacted the company to see what happened and they only told me that a letter was sent to me by mail of the changes. It took weeks for the letter to arrive and when it did it stated the changes was made based off what was on my credit report. The problem to me is that I have never been late on my payments, never asked for assistance but when I decided to pay off my credit card they decided to lower my credit limit. I've never asked them for an increase to my credit limit the whole 2yrs I've had my account. I even contacted all 3 credit bureaus and they don't see why the company made that decision. Plus the letter even had my credit score incorrect when they made the decision. I have mailed a certified disputed letter to them and still no changes. They claim they can not make any changes on my account in which I believe is untrue. I don't understand how the company can get over on customers that are doing right with their accounts like this that makes bad business to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 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: UT

Complaint narrative:
I have been a victim of Identity Theft as well as several Data Breaches.  The latest being XXXX  XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2020-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: KEYCORP
State: MD

Complaint narrative:
My ex-wife and I opened a KeyBank joint checking account in approx. XXXX. The account apparently had overdraft protection. In XXXX, I was commissioned as an XXXX XXXX XXXX XXXX and my family and I were transferred to XXXX. There were no KeyBank locations in the country ( not surprising ) and, therefore, we changed our bank to one that had a presence on the base. We attempted to close the KeyBank account but were told that we had to do that in person -- which, obviously, we could not do. We stopped using the account and had all of our associated auto payments stopped and transferred to our new account. We did not believe we had any money left in the account and that it was effectively closed. In XX/XX/XXXX, I received a phone call from KeyBank, informing me that they were attempting to collect a debt. I was very confused, because we had not used KeyBank in well over a decade. The representative informed me that I owed the bank approx. {$2500.00}. After MANY phone calls with the bank, I have finally been informed that this balance stems from a $ XXXX-per-month auto payment on two XXXXXXXX XXXX XXXX policies for me and my wife. It appears that there still was enough money in the checking account to cover these premium payments for several years, but once those funds were depleted, the bank began applying overdraft. This went on for YEARS, without the bank ever informing me or my ex-wife. We have been assessed hundreds of dollars in overdraft fees, late fees, interest, etc., and were not informed of any of this activity until the XX/XX/XXXX phone call to " collect a debt. '' In the meantime, KeyBank has reported this debt to the various collection agencies, which has obliterated our credit. In my conversations with the bank, I have expressed my willingness to cover the cost of the insurance premiums, but I have respectfully asked that the bank waive the overdraft fees, late fees, and interest given the extenuating circumstances -- namely, that this issue arose through a combination of my family and I being stationed overseas ( and unable to close the account due to KeyBank 's unreasonable in-person requirement ), the bank continuing to assess all kinds of fees and penalties for YEARS, and the failure to notify me or my wife until the bank attempted to collect a debt of which we were not even aware. To date, KeyBank has been completely uncooperative.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-14 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: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
The below accounts we discovered on my credit profiles when I checked yesterday, because I was looking at buying a building and needed to know how my credit score. 

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 explanation
Consumer complaint received 2020-05-14 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: Santander Consumer USA Holdings Inc.
State: IN

Complaint narrative:
The below accounts we discovered on my credit profiles when I checked yesterday, because I was looking at buying a building and needed to know how my credit score. 

XXXX XXXX Santander Consumer USA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 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: GA

Complaint narrative:
XXXX  and Transunion are displaying a serious delinquency of 60 days or greater in violation of the of the FCRA. 

Backstory : I was entitled to the post XXXX XXXX XXXX  and the school, VA Education Office, and VA DMC reported a BAH ( basic allowance for housing ) overpayment of XXXX which they sent to collections in XXXX of XXXX during their internal retroactive audit. I graduated in XXXX. According to the VA, the school I attended allegedly adjusted a course I was enrolled in which led to the BAH overpayment. They VA are fixing their internal process issues as they have antiquated notification systems. I had paid it immediately when XXXX via XXXX XXXX notified me of the account with no will for evasion. 

On topic, this was an overpayment and not a loan, so it is erroneously being reporting as a collection because I never agreed to borrow that money. An overpayment doesn't constitute money borrowed and legitimately can't be reported as collections for debt. 

I am handling the details of the VA 's failure with the state via constituent reporting to the offices of the Senator -- but it will take time. I contacted XXXX  and Transunion multiple times and they have not corrected disputes via their online system given the details that this was an overpayment nor have they responded proactively. XXXX  shows my normally " very good '' score so I do not have any issues with them. 

I feel this is a direct violation of the fair credit reporting act as it is a false identifier of my credit and is causing me financial burden. 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 explanation
Consumer complaint received 2020-05-14 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: IL

Complaint narrative:
The credit bureaus are reporting inaccurate information on my 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 2020-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: ACIMA CREDIT, LLC
State: GA

Complaint narrative:
To Whom It May Concern : Im writing this letter regarding the consumer XXXX  and the creditor ACIMA CREDIT. At first I was looking for an eyeglasses and saw this ad from XXXX. It only cost {$59.00}, but then on the actual cost when you set your appointment with them, it will balloon up the payment from {$59.00} up to {$1600.00}. This is the reason why Im writing this dispute letter to inform about the misleading advertisement and how they get money from my credit card for the payment, almost weekly and without my consent they keep charging my credit card. They even report me to my credit score which affects my credit score last XXXX of XXXX which is now it already added to credit report. 

Payment dates : 1st payment - XXXX - {$50.00} XXXX. XXXX = {$26.00} XXXX. XXXX = {$26.00} XX/XX/XXXX = {$26.00} XX/XX/XXXX = {$26.00} XX/XX/XXXX = {$26.00} XX/XX/XXXX = {$26.00} Dear, Your early purchase option ends on XX/XX/2020. 

Today 's payoff amount is {$450.00} + applicable taxes. 

To take advantage of our early buyout option, please contact us immediately to make the appropriate payment arrangements. After XX/XX/2020, you will no longer be eligible for the first early buyout discount. 

If you have any questions you can chat with us ( Monday - Friday XXXX XXXX - XXXX XXXX, Saturday XXXX XXXX - XXXX XXXX  MT ). 

Sincerely, Acima Credit | Customer Service XXXX For your information and investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 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: DISCOVER BANK
State: FL

Complaint narrative:
I want to redeem my " Miles Balance '' as cash. When this option was selected online on the company 's website, I received an error - " No Bank Added. This option requires a linked bank account. '' I  contacted customer service and was told that " a bank account needs to be linked and a payment made '' for this feature to work. I did the above and I still get the same error message. The web site is broken or malfunctioning.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-05-14 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: UT

Complaint narrative:
I have been a victim of Identity Theft as well as several Data Breaches.  The latest being XXXX  XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has  been performed for a reasonable conclusion has been determined.

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 2020-05-14 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: UT

Complaint narrative:
I have been a victim of Identity Theft as well as several Data Breaches.  The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 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: IL

Complaint narrative:
The credit bureaus are reporting inaccurate information on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The credit bureaus are reporting inaccurate information on my 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 2020-05-14 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation