vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: NY

Complaint narrative:
Discover card would not help me with a merchant contractor XXXX XXXX who overcharge my discover card for {$1100.00}. The original charges should have equaled {$6000.00} for a roof extension and they broke the charges up by putting my discover card account number on their computer system and charged my account totally {$7100.00}. This was a capitol improvement so there was not tax charged on the project. The company refused to finish the job also leaving bent poles, garbage in the yard, and not installing the soffits that was part of the job. They also opened the walls and left asbestos exposed and they would not seal it up. They also left sharp pieces of metal hanging on the wall randomly down the roofing area dangling. The merchant did not file the permits to do the job, so I am also stuck with issues of getting a Certificate of Occupancy for the job. They are legally responsible and led me to believe that they did their job but they did not.

I asked discover to step in since I am protected from services performed that are charged on my credit card. I asked them to dispute the original down payment of {$1500.00} so that I could hire someone to finish the job and try to work out permits for the CO. XXXX XXXX  stole {$1100.00} from my Discover account and never finished the job. 

I thought I was being fair by asking for {$1500.00}. I could have disputed the whole amount. The work they did is subpar, and they stole money from me. The extra money was unwarranted and not authorized. 

This has been going on since XXXX of XXXX and Discover card rejected my dispute and wont even take the stolen money back from XXXX XXXX. They told me the only way they would refund me is if XXXX XXXX authorized giving me back the money they stole from me. 

I am asking for your help because Discover is protecting this merchant and not my rights. 

It is a shame because I opened my Discover account in XXXX 32 years ago and they would protect one of their merchants over my right under the rules for unsatisfied service clause in the credit laws of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 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: Social Finance, Inc.
State: DE

Complaint narrative:
On XX/XX/22 at approximately XXXXXXXX XXXX EST I applied for a Sofi credit card under the promotion of spend {$1500.00} and earn {$200.00} in Sofi points value. At XXXX XXXX EST I was approved for the card. 

The {$1500.00} in spend was completed by XX/XX/22. 

As of XX/XX/22 the {$200.00} in points have not been credited despite meeting the terms and contacting Sofi multiple times via myriad channels. 

Contacted the company via phone call on XX/XX/XXXX. Via chat on XX/XX/XXXX. Via chat and phone on call on XX/XX/XXXX. Has been no resolution of the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX

Complaint narrative:
I refinanced my mortgage in XX/XX/2021 with 20 % equity in the loan and did not want to escrow my insurance and taxes as indicated in my loan documents and permitted under the law given the amount of equity I have. Lakeview Loan Servicing set up escrow, and I requested a few months ago to cancel the escrow after Lakeview increased the escrow payment by XXXX per month to establish an additional reserve amount in the account. Lakeview communicated that the loan requires escrow for five years. I requested that they provide proof that the loan documents contractually require me to escrow. After numerous phone calls to the escrow department, including three transfers to the escalation department, Lakeview has not been able to locate a contract document that requires me to escrow, yet continues to refuse to cancel the escrow. The escrow payments are causing me damages of over {$1000.00} per month.

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 2022-06-21 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: BARCLAYS BANK DELAWARE
State: WI

Complaint narrative:
Barclays opened up a revolving line of credit, bank card, that is not my account. 
The local bank identified it as fraud, unauthorized user. 
A report came from the FTC describing a breach. 
Hired a credit repair firm, the account has not been removed from credit. 
The breach is not the same as receiving spam alerts and or humantraficking inquiries. 
Reported to the local police department and to the three credit agencies. 
I'd requested permission by an attorney, State Bar Association and I was told, " your not a criminal. '' There should be absolutely XXXX XXXX XXXX, recorded, against federal law. 
HIPAA violations should not be investigated outside of the United States. XXXX, Barclays Headquarters. 
Medical fraud has shut down health insurance accounts, so person ( XXXX ) could not steal up to XXXX XXXX, annual, health insurance coverage.

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 2022-06-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
USAA allowed someone to open a credit card in my name. I am not a member of USAA and never have been. After notifying them 3 times and asked that they close the account and remove it from my credit report they have failed miserably. The persons who committed this fraud have tried over and over again to get a replacement card by changing the address which keeps hitting on my credit reports. Luckily I noticed this right away before any charges occurred but there will be negative info on my credit report if the don't cancel the card and remove my name and info out of their system. Thanks XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 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:
Enclosed are three different complaints to all 3 major credit bureaus EXPERIAN XXXX, and XXXX. Advising them that I a am a victim of Identity thief and that i have filed complaints with the proper authorities, enclosed is a copy of the disputes and the identity theft victims complaint affidavits,. I am request that all accounts that have been reported be deleted. The following accounts and inquiries are a fraud .... 

XXXX XXXX XXXX ACCT NO. XXXX XXXX  ACCT NO. XXXX XXXX XXXX ACCT NO. XXXX XXXX ACCT NO. XXXX XXXX ACCT NO. XXXX XXXX XXXX  ACCT NO. XXXX XXXX XXXX ACCT NO. XXXXXXXX XXXX  XXXX XXXX XXXX ACCT NO. ACCT NO. XXXX There are over 31 fraudulent inquiries on my credit report that must be deleted. 
In accordance with the FAIR CREDIT REPORTING ACT the following accounts and inquiries have violated my rights based on 15 U.S.C. 1681 SECTION 602 a. STATES I HAVE THE RIGHT TO P [ RIVACY.

15 U.S.C. 1681 SECTION 604 A SECTION 2 STATES A CONSUMERREPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTION.

I have not authorized nor given any written instructions to have any one furnish these accounts on my behave.

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 2022-06-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: Social Finance, Inc.
State: DE

Complaint narrative:
Please see the screenshot I took on XX/XX/XXXX at XXXX XXXX. XXXX. before sending the email to Sofi on that same day inquiring about the missing points for the recurring crypto purchases made on XXXX, XXXX, XXXX & XXXX. At that time the terms for the crypto did not specify a minimum purchase of {$10.00} as they do now. If they indeed did change the requirements on XXXX, they had not updated the verbiage publicly as of the XX/XX/XXXX email I sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/2022 I earned to check payments from the cafe I work. My boss forgot to include one letter of my last name on my check and when I deposit it CITIBANK blocked all my accounts. I have rent to pay I have bills to pay but CITIBANK is not any bit of help. There is always a problem with verification or god knows what, the representitives are rude and not helpful also. Once I was tring to tranfer my school payment but there was a problem according to the representitive on the phone I had to call my bank from the number that was in the records which I was doing for about 6 times!!!!!!!!! When I called the bank they said that I should send the money with XXXX, the amount was {$15000.00}!!!!

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 2022-06-21 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
I received a text from XXXX stating a charge had been made that I needed to verify. I did not make the charge and they proceeded to tell me they needed to get all my information to put the money back in my account. They got my banking information and withdrew XXXX. Out of my account. The name was XXXX XXXX and the phone number is XXXX. I am closing my account but concerned about my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 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: MO

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX 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 2022-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: 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. 



XXXX ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX EMPLOYER : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Collections : XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED 5XXXX US DEPT ED XXXX XXXX XXXXXXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX USDOEXXXX XXXX US DEPT ED 5XXXX US DEPT ED XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX Name : XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX EMPLOYER : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, AZ XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XX/XX/XXXX Inquiries : XXXX XX/XX/XXXX Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Equifax ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX EMPLOYER : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: 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. 



XXXX ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ADDRESS : XXXX XXXX XXXX XXXXXXXX, AZ XXXX EMPLOYER : XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Collections : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXXXXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX Experian Name : XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX EMPLOYER : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, AZ XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XX/XX/XXXX Inquiries : XXXX XX/XX/XXXX Collections : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXXXXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX EMPLOYER : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Collections XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX US DEPT ED XXXX US DEPT ED 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 2022-06-22 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: CITIBANK, N.A.
State: NY

Complaint narrative:
Citibank has forced opt-in for customers to use their rewards points ( thankyou points ) for purchases at XXXX, XXXX, XXXX, XXXX, and others. Citi does not ask for the customer 's consent to link our rewards points to these retailers and does not opt you out. You need to contact the retailers directly to unlink your rewards points account from the retailer as a form of payment. In the case of XXXX there is no mechanism to opt out. I am forced to continuously make sure I don't accidentally use my points towards a purchase there. Today, XX/XX/2022 I hit the incorrect button on the screen and accidentally used XXXX thank you points towards my purchase at XXXX. When I redeem the points for cash back at Citibank they are worth 1 cent each. When XXXX applies it, they charge me XXXX points extra ( XXXX points total ) towards XXXX dollars of my purchase, they unilaterally devalue the points of the program. On Citibank 's website they say there are no fees for using points at XXXX, yet I am charged 25 % premium if it is used there.

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 2022-06-21 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: GA

Complaint narrative:
In Accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX 
Account # XXXX XXXX XXXX XXXX. 
Account # XXXX XXXX XXXX XXXX. 
Account # XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-06-21 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: EQUIFAX, INC.
State: GA

Complaint narrative:
In Accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX 
Account # XXXX XXXX XXXX XXXX. 
Account # XXXX XXXX XXXX XXXX. 
Account # XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 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: WI

Complaint narrative:
XXXX opened up a revolving line of credit, bank card, that is not my account. 
The local bank identified it as fraud, unauthorized user. 
A report came from the FTC describing a breach. 
Hired a credit repair firm, the account has not been removed from credit. 
The breach is not the same as receiving spam alerts and or humantraficking inquiries. 
Reported to the local police department and to the three credit agencies. 
I'd requested permission by an attorney, XXXX XXXX XXXX and I was told, " your not a criminal. '' There should be absolutely XXXX medical collections, recorded, against federal law. 
HIPAA violations should not be investigated outside of the United States. XXXX, XXXX XXXX. 
Medical fraud has shut down health insurance accounts, so person ( s ) could not steal up to one million, annual, health insurance coverage.

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 2022-06-22 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: NY

Complaint narrative:
15 U.S. Code 1681 Section 602 A : States I have the right to privacy 15 U.S. Code 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

15 U.S. Code 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

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