vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
XX/XX/XXXX I was on a flight to the XXXX XXXX XX/XX/XXXX JetBlue credit card ( Barclays XXXX ) opened in my name, using my name, address and email XX/XX/XXXX Credit card used** and flights booked in my name ( see additional note from JetBlue below ) ** During XXXX week of XXXX, card was used several times and items booked or purchased Total expenditure of {$4400.00} was accumulated XX/XX/XXXX I came back to the XXXX from the XXXX XXXX and arrived in XXXX XXXX XXXX XXXX I came home and reviewed mail which was awaiting my return XXXX item was the welcome pack from JetBlue/Mastercard , for a card I never opened XX/XX/XXXX I contacted Barclays to confirm I did not open the card ; I was informed there was a large outstanding balance, to which I again confirmed I knew nothing about the card nor requested the opening of the card Barclays confirmed they would freeze the account and investigate the issue XX/XX/XXXX I received as response from Barlcays that they had concluded their investigation and they have deemed the card to be correctly opened, used and owned by me and therefore the debt belonged to me Info from JetBlue confirms ; **Can I use my JetBlue credit card before it arrives? 
No, you can not use your JetBlue Plus Card instantly after approval. You'll have to wait around XXXX business days to receive your card in the mail to be able to use it. However, you can request expedited shipping ( for a {$15.00} fee ) and have your JetBlue Plus Card delivered within XXXX business days I was out of the country from XXXX XX/XX/XXXX and only received the card when I opened the envelope on XXXX card was used XXXX and XXXX, XXXX day after opening the account when I was in the XXXX with no access to XXXX welcome pack At no stage have I ever activated the card So the card was activated and used by someone while I was out of the country and had no access to the card Clearly, someone opened the card, obtained the account details and activated the card, all before the card was even received at my home ; I have now appealed this decision XX/XX/XXXX I have now appealed this decision XX/XX/XXXX both by fax and by mail to Barclays I have now placed a freeze with all XXXX Credit Agencies XX/XX/XXXX Barclays collections department called to confirm the account was delinquent ; I explained the above and told them this is a fraud case I also spoke to XXXX in the fraud team who confirmed further transactions were attempted on XXXX with Jet Blue but were not processed I asked XXXX to create a formal complaint and for XXXX to call me back with an update to the case XX/XX/XXXX Barclays called to say my appeal has again been rejected I have also today registered the complaint with the FTC ( Federal Trade Commission XXXX and have contacted an attorney

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 2024-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My account with, XXXX XXXX, XXXXXXXX XXXX  XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in XXXX  days to be removed. They are not in compliance with the following law. XXXX USC XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! XXXX USC XXXX ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. XXXX XXXX, XXXX XXXX XXXX XXXX  Never Sent the periodic statement along with the disclosures from section XXXX ( b ). I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is XXXX XXXX XXXX and not equitable to me as a consumer! Delete the late payments from my consumer reports 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 2024-08-15 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
I made a purchase for a diamond bracelet at XXXX XXXX in XXXX. I charged the purchase to my XXXX XXXX credit card which is issued through Comenity Bank. The purchase was over {$XXXX} which means that I am supposed to receive 12 months interest free as long as I paid off the purchase before 12 months and made the minimum monthly payments ( which I am doing ). The purchase was over {$XXXX} before tax. 

After receiving my first bill in XXXX, XXXX setup auto payments to have the money taken from my account and paid off within 12 months. I checked my account in XXXX and realized that I was being charged interest this whole time. The interest was not being taken from my account but being added to my balance which I was not aware of. 

I have called XXXX XXXX and Comenity bank that issues their credit card to let them know the error. Both have said it is the others responsibility and have not given a refund on the interest charged and they are still continuing to charge me interest. 

I have gone to the XXXX XXXX store where I purchased the bracelet to ask if they made an error and did not mark me down for the 12 month interest free promotion but they mentions that they did and it was an error by the bank. 

I wonder if they are doing this to all of their customers or singling me out because I am XXXX XXXX, I feel discriminated against.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Colony Brands, Inc.
State: GA

Complaint narrative:
Recently started my credit building journey in XX/XX/XXXX upon disputing accounts and claims on 2-attempts from XXXX XXXX XXXXXXXX orders I discovered a bunch of unauthorized accounts. I spoke with fraud /collections department about finding out about account from such disputes they created an account so I would get an email for any notifications I got on for a payment XX/XX/XXXX they are still reporting the late and the amount is incorrect. They collections department said to get a notarized letter signed which I have thats stated it was a XXXX XXXX XXXX family member who was buying unnecessary things out of their magazines. They had been paying on them for years I was unaware until I disputed the accounts and they were frozen upon this action my family still has been paying but because of the unauthorized accounts XXXX XXXX has still been taking the payments but still reporting them late and incorrect account balances

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2024-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Above Lending, Inc.
State: NC

Complaint narrative:
On XX/XX/23 we entered into a credit Installment loan agreement. Terms were broken when false numbers and interest rates were reported to the credit bureau to date XXXX times. XXXX is wrong. XXXX interest is wrong. A error was made by this company with the math. Who pays for my higher interest rates and premium due to unlawful numbers. Am I the consumer to pay because a well established lending agency that knows the law and doesn't apply it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC.
State: AR

Complaint narrative:
Contacted XX/XX/XXXX requesting release of lien. Received congratulations letter stating my account was paid off but no release of lien letter. Recontacted XX/XX/XXXX requesting actual release of lien form and stated that they have already sent it

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I deposited a check from a withdrawal from my retirement fund for XXXX. The check was deposited on XX/XX/year>. The check was cashed and cleared on XX/XX/year>. Chase bank will not release the fund to me until XX/XX/year>. Ive spoken to XXXX different representatives and all confirming the funds have been cleared into chase possession but all claiming that it something that is done automatically and can not be undone without verification on their part by the issuing bank and party. Which they claim they have not been able to do but I have been able to confirm by just calling and asking my retirement plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
These inquiries are not authorized. 
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 explanation
Consumer complaint received 2024-08-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I did not use my card for while in XXXX and XXXX last year. When I paid my annual cell phone bill using my Bank of America credit card in XXXX last year. Bank of America automatically locked my card when I live XXXX of miles away from the nearest branch. Their customer service associates insisted that I had to visit a branch in person. After an accumulative of XXXX hours of calls with different BOA agents, they continued to provide false information to me that I had to travel to branches in person to unlock the account. During these lock periods from wishing to XXXX, I was denied the opportunity to earn the XXXX percent rewards on my Bank of America Visa card since I had to use their debit card. I had requested multiple occasion to speak to a supervisor but was denied such opportunity. 

It wasnt until late XXXX when I was finally connected to a Bank of America Customer Service supervisor who told me that the previous agents have lied as they should have directed me to a call center supervisor who will be able to unblock my account for me without having to visit the branch in person given the fact that the nearest branch is XXXX of miles away from my home.

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 2024-08-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2024-08-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2024-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my FICO score. 

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.

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 2024-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Applications were done in my name, I don't recognize these fraudulent inquiries nor have authorized them, resulting in my credit report being pulled up by these companies and hurting my credit score. I have contacted the bureau and a representative told me that they would be deleted from my credit report but I still see it, it's adding unnecessary XXXX  in my life.

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 2024-08-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2024-08-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2024-08-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
**Subject : ** Concerns Regarding Mortgage Transfer and Account Management Loan Number XXXX Dear Consumer Financial Protection Bureau XXXX RE : Loan Origination with XXXX XXXX XXXX XXXX  Transferred to XXXX XXXX and recently transferred to Shell Point Mortgage Servicing ( XXXX ) I am writing to express my concerns regarding transferring and managing my mortgage loan, XXXXXXXX XXXX number XXXX, which was recently transferred to Shell.

# # # Key Issues : 1. **Untimely Payment of Property Taxes** : For the last two years, property taxes associated with my mortgage were not paid on time, resulting in mispayment and threats of foreclosure. This mismanagement has caused significant stress and could have further complications with my property.

2. **Inadequate Customer Service** : Throughout my dealings with XXXX XXXX XXXX I experienced numerous issues with their customer service. There were not enough agents available to effectively resolve the problems I encountered, leading to delays and further complications. 

3. **Payment Reconciliation** : My mortgage payments for XXXX and XX/XX/year> were sent via XXXX  bill payment to XXXX XXXX and remain unaccounted for. However, there seems to be a lack of proper reconciliation of these payments after the transfer to XXXX. I am eager to resolve this matter and ensure that my mortgage is on track, but prior payments must be properly accounted for. 

I kindly request that the Consumer Financial Protection Bureau review this situation to ensure that my mortgage is handled correctly and that these issues are addressed promptly. 

Thank you for your attention to this matter. I look forward to your guidance and support in resolving these concerns. 

Sincerely, 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 2024-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I urge you to swiftly remove these fraudulent accounts from my credit report. I did not initiate or authorize them, and it is unfair for me to be held accountable. Please take prompt action to rectify this mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

Company response to consumer: Closed with explanation