vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/2022 I initiated an outgoing domestic wire for a flight to an American company called XXXX XXXX at XXXX XXXX  for {$43000.00}. The vendor did not receive the payment and Bank of America did not reach out to either the vendor or me to notify of an issue. After a few days, I asked BofA about the issue and they stated there was a compliance issue as a result of the wire memo and asked what XXXX in the memo line meant. I explained XXXX is an airport code in XXXX, Ohio. BofA XXXX department stated the information would be provided to the person who flagged the transaction and we would have a resolution within 5-7 business days at the latest. Since then I have received no update though I have inquired several times. After nearly a month, the funds have not been deposited with the vendor and have not been returned to my company with no timeline for when the process will be 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 monetary relief
Consumer complaint received 2022-08-10 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting Act 15 USC, the company below has used my credit report illegally for collection which is not my account and damaged my credit score. This account appeared on Experian credit report as of XX/XX/22 in the amount of XXXX XXXX XXXX account # 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 2022-08-09 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: Credit Karma, LLC
State: SC

Complaint narrative:
Between XXXX XXXX XXXX Credit Karma shows on the inquires over 15 times. Ive not used their services in over a year. There has been data breaches on my emails names, synthetic fraud, mail fraud, address fraud, wrong phone numbers and addresses on these account. The last time I used your service I disputed the XXXX XXXX  and savings account linked to your services and never heard back from your company. There are vehicles listed Ive never owned. Ive asked your company since 2017 to remove false addresses phone numbers middle name, fraudulent debt, the saving account and XXXX XXXX  acct I didnt authorize to begin with. The questions your company asked to even close it out was wrong because it doesnt pertain to me and my identity. Again please remove all addresses phone numbers emails vehicles savings Accts debit cards XXXX XXXX  accts linked debt the fraudulently reported and all these inquiries I didnt consent too. Attach is some proof Im having trouble getting into XXXX now

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 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: UPGRADE, INC.
State: FL

Complaint narrative:
I had an account with Upgrade Inc ( XXXX # XXXX ) and during Covid I was not able to make payment. The account was then charged off and then send to collection. I made a settlement with collection and paid it off almost 6 months ago. For some reason, the account has never been updated. 
In accordance with the Fair Credit Report Act XXXX Account # XXXX Has violated my right. 15 U.S.C 1681 section 602 A. which states I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : also states A consumer reporting agency can not furnish an account without my writing instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am a consumer, a natural person, and a protected person under federal law. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX has violated my rights. Regarding alleged account # XXXX 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 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. 15 U.S.C. 1681 States that consumer reporting agencies are required to ensure that the needs of the consumer are met in a way that is fair and equitable in terms of confidentiality, accuracy, relevancy, and proper utilization of such information 15 U.S.C. 1681c2 : A Block and remove in 4 days

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 2022-08-09 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: CITIBANK, N.A.
State: IL

Complaint narrative:
I have attempted several times to contact CITI BANK in regards to the lack of privacy with reporting my personal information. They did not have my consent to do so and this has caused a huge burden on me and my family.

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 2022-08-09 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: NJ

Complaint narrative:
I filed an FTC report # XXXX and a dispute with Experian on XX/XX/XXXX  for the fraudulent address XXXX XXXX XXXX, XXXX, NJ XXXX due to fraud and provided a police report # XXXX. Experian deleted the address in XXXXXXXX of 2022. They then added the address back on my consumer report recently when I checked the account XXXX XXXXXXXX XXXX. I also asked them to delete the fraudulent account XXXX XXXX XXXX due to fraud. 


I also filed an FTC report # 's XXXX & XXXX and a dispute with XXXX on XXXX, for the fraudulent accounts XXXX XXXX XXXX, XXXX XXXX . due to fraud and provided a police report # XXXX. XXXX never deleted the accounts due to fraud. I also asked them to delete the fraudulent account XXXX XXXX XXXX due to fraud on XXXX XXXX, 2022 but no response yet.

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 2022-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: DC

Complaint narrative:
While traveling outside the country in XX/XX/2022, my Chime debit card was used in Florida for unauthorized and fraudulent charges. As soon as I saw the charges, I froze my card so it could not longer be used. 

I repeatedly reported this to the bank, and provided airline tickets, other bank statements indicating I was outside the country and a police report. They have denied my claim and refuse to cover the charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 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: EQUIFAX, INC.
State: SC

Complaint narrative:
Between EQUIFAX XXXX XXXX XXXX XXXX shows on the inquires over 15 times. Ive not used their services in over a year. There has been data breaches on my emails names, synthetic fraud, mail fraud, address fraud, wrong phone numbers and addresses on these account. The last time I used your service I disputed the XXXX XXXX and savings account linked to your services and never heard back from your company. There are vehicles listed Ive never owned. Ive asked your company since 2017 to remove false addresses phone numbers middle name, fraudulent debt, the saving account and XXXX XXXX acct I didnt authorize to begin with. The questions your company asked to even close it out was wrong because it doesnt pertain to me and my identity. Again please remove all addresses phone numbers emails vehicles savings Accts debit cards XXXX XXXX  accts linked debt the fraudulently reported and all these inquiries I didnt consent too. Attach is some proof Im having trouble getting into XXXX now

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collection Bureau of America Ltd.
State: CA

Complaint narrative:
I noticed a fraudulent activity on my credit report. There was a charge of {$490.00} for some drinking water delivery services for a company based in XXXX. The company in question is XXXX XXXX XXXX XXXX who indicated they provided these services to me but I have never hired their services nor had I ever got a delivery service. We have always purchased our drinking water at XXXX. I spoke with the collection agency " Collection Bureau of America '' because they are now trying to collect this fraudulent account. I never hired this service and it is clearly a fraudulent account that I want it removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: PNC Bank N.A.
State: PA

Complaint narrative:
PNC Bank has closed my account unannounced after I filed a dispute and they issued provisional credit. However once the credit was issued they closed the account and I wouldve complied with anything they wanted from me to help resolve the issue but instead they dont ask for that and close the account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-09 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX Amount : {$500.00} DateXXXX, XXXX XXXX XXXX  Amount : {$350.00} XXXX n accordance with the Fair Credit Reporting act XXXX Account # XXXX And XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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 2022-08-09 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Chime Inc.
State: PA

Complaint narrative:
My name is XXXX XXXX. I sent money through XXXX on XX/XX/2022 in the amount of {$520.00} and {$620.00} just minutes apart. Both transactions were declined. I check my bank accounts on this date and these amounts were deducted from my account for both {$520.00} and {$620.00}. I called XXXX and inform them about the information and I was told that both payments will be sent back into my account within a week time. I check my account after a week and my payments were not but back into my account. I sent {$680.00} on the XX/XX/2022 due to the gave issue that my mother was going through in XXXX to the same receiver XXXX XXXX it declined again. I called XXXX and inform them about the issue and was told that my payments will be refunded to my account also due to the payment being decline. I did received the {$680.00} through XXXX credit account and I was able to sent that payment to the same receiver XXXX XXXX. I have the information in my XXXX account to show that I was credited for only the payment for XX/XX/2022 for the {$680.00}. I went to my bank on XX/XX/2022 to complain about not receiving my refund from XXXX for the amount of {$520.00} and {$630.00} on XX/XX/2022. My bank file a complaint on my behalf. They received {$620.00} and credited my account and that amount was taken from my account on XX/XX/2022 and left my account overdraft for weeks. I called XXXX on many attempts to inform them about why the requested their funds and was told that they where sorry it was a mistake and that they will refund both payment to me. I have sent them banks account statements of all my transactions and up to now I have not received any refund yet. My sister pass due to not have these funds for medical treatment in XXXX. I am so sick and XXXX about this issue. I have all the emails and phone calls to show how long I have been reaching out to XXXX with no results. Please assist me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-09 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: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
American Express began offering 3 % Cashback on their XXXX XXXX XXXX card this month, and of course it wouldn't be Amex without issues and gimmicks. My first purchase at XXXX  already hasn't been properly credited and all I get is excuses from their chat support

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
I responded to a post for a concert ticket that was being sold. The person was quick to reply and sent a picture of the ticket. She asked for my form of payment which was Zelle through XXXX XXXX. I sent {$55.00} for the ticket and waited for her to transfer it. She said she was waiting for confirmation of payment from her mom who was at work. She apologized for it taking a while and thanked me for being patient. The Zelle account was under the name XXXX XXXX and the email was XXXX. I waited and after a while of not hearing back from her I sent another message, but XXXX said my message could not be sent. I clicked on her profile to find her, or I guess his, account had been suspended. Ive tried emailing the email tied to the Zelle account but get to reply. I also tried to sort it through my bank but they were unable to get my money back because a transfer through Zelle is instantaneous.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: CNG HOLDINGS INC
State: OR

Complaint narrative:
I purchased time share points in XXXX and sign a mortgage for about {$45000.00} from. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX NOTE : this gave me XXXX points to use for stays at their locations. It did NOT give any ownership of real property only the USE OF. The use of was based on availability. 

REPEAT : NO OWNERSHIP 0F REAL PROPERTY just use of if available. 

I was unable to pay the " MORTGAGE '' beginning on I XX/XX/XXXX. 

I notified XXXX XXXX XXXX was unable to pay and would make any future payments and requested release from my Mortgage and any other fees. 
I had limited word from them two collection notices from them which where withdraw. 
The last contact with by phone was XXXX XX/XX/XXXX and was told it was in work and I would receive an email when the debt was forgiven. 
I am tired of waiting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 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: AZ

Complaint narrative:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


TransUnion Name : XXXX, XXXX, XXXX, XXXXXXXX XXXX Employer : XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX DEPTEDXXXX  XXXX DEPTEDXXXX XXXX DEPTEDXXXX  XXXX DEPTEDXXXX XXXX DEPTEDXXXX  XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Employers : XXXX XXXX XXXX XXXX XXXX Addresses XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX Inquiries : XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX Collections : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employers : XXXX XXXX Addresses : XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX Collections : XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX DP OF EDUC XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXX XXXX XXXX  XXXX DP OF EDUC XXXX DP OF EDUC XXXX DP OF EDUC XXXX DP OF EDUC 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 2022-08-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
I submitted a complaint BMW financial -- -see file. The response is a single payment > > {$28.00}, XXXX by next month XX/XX/2022. This is not a viable option for me and I can not meet this one payment offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NV

Complaint narrative:
Hello, XX/XX/XXXX Call was placed and requested to dispute ALL XXXX transactions from XX/XX/XXXX until XX/XX/XXXX XX/XX/XXXX recieve email ( please read below ) and notice this doesn't have all the transactions in the dispute. I then place ANOTHER call and clarify with the rep and am given yet another dispute dispute number. I'm then promised an email with my dispute ( that was never received ). On this day I also respond to this email below with the additional information. I had my bank, cashapp and XXXX all highjacked. XXXX and my bank have already fully refunded me. ( see screen shots from bank in other email thread with the rep. 
XX/XX/XXXX I email ( please read below ) requesting confirmation my dispute is accurate. 
XX/XX/XXXX I call due to still missing the email, i request multiple times for a copy of my dispute or at least for the rep to verify what was all included in my dispute. I was met with resistance and hung up on by reps multiple times. 
XX/XX/XXXX I attempted to call AGAIN. With zero resolve. I'm told i must wait the 10 business days. 
XXXX This was business day 9 with no email and no clarification what was under dispute. I called AGAIN. Yet again zero and I mean ZERO resolve. Again asked to wait until XXXX ( the 10th business day ) XXXX I wake up with still zero resolve and zero refund. Your OWN ToS states if the investigation is not closed by 10th business day ( this was day 11 ) temporary credits would be issued. I call to get status and get told to chat. I chat and they tell me to call. Not a single person helped clarify any issue. 
XXXX I receive an email from a " manager '' assuring my issue had been resolve. A very VERY small portion of my refund had hit my account. 

XX/XX/XXXX Transactions Total {$660.00} XX/XX/XXXX Transactions Total {$3200.00} XX/XX/XXXX Transactions Total {$540.00} Total {$4400.00} I have attempted several times to resolve this. CashApp isn't even adhering to their own ToS agreement. I get hung up on by reps for requesting documentation of my dispute.

Company response to consumer: Closed with explanation