vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Hello, On XX/XX/2024, I lost my physical Citi Premier credit card and discovered 3 pending fraudulent/unauthorized charges on my account : 1.XXXX XXXX XXXX XXXXXXXX ( Online Merchant ) - {$1500.00} XXXX XXXX - {$37.00} XXXX - {$6.00} On the same day XX/XX/2024, I immediately called to report my card lost and report the fraudulent charges. The old compromised card was closed and a card replacement with a new number was issued. The charges were marked for fraudulent investigation though they were pending. Officially, the fraud dispute process did not start until XX/XX/2024. Since then, I have not heard anything from Citi and the charges remain as part of my current balance with an approaching payment date to pay the amount. No temporary credit was issued. I understand that Citi bank has told me that I do not have to pay these reportedly fraudulent transactions while the investigation is happening. However, it is not fair to have these charges on my balance WITHOUT a temporary security credit. The reasons are as follows : 1. The fraudulent charges are marked under investigation but still account as part of my statement balance and an approaching payment date of XXXX XXXX XXXX  is when the balance is needed to be paid. This has the negative conseqeuence of having big balance and high utilization ratio reported to the credit bureau since they are not aware these charges are under investigation. As such, my credit score is negatively impacted for the time being. 

XXXX. Given that these fraudulent charges are still part of my card balance, it counts against the total allocated credit limit I can use. Again, I'm being penalized for acts of fraud. 

XXXX. I have never seen such a degree of negligence by a bank in my whole life. Any other bank would have issued a temporary credit while the charge is investigated. ALSO, any other bank I have used, would have verified these transactions much more thoroughly and prevented the fraud attack in the first place. Interestingly, I have not received a single notification of these charges from Citi despite one of them being valued at {$1500.00} at an online merchant I have never done business with. In many cases and given the characteristics of the transaction ( Online/large amount/new merchant ), the bank will always verify with a second factor authentication. However, Citi DID NOT attempt this and instantly approved the fraudulent transaction. This demonstrates negligence from Citi side to protect their customers. 

The Citi fraud team has been not cooperative in any attempts to listen and answer my concerns despite NUMEROUS call attempts and false reassurances.

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 2024-04-06 00:00:00
Product: Credit reporting 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: IL

Complaint narrative:
I believe a few accounts listed below have violated the Fair Credit Reporting Act in terms of accuracy and my privacy. 

XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602A says i have the right to privacy.

15 U.S.C 1681 section 604 A section 2 says a Consumer reporting agency can not furnish an account without my written instructions ( The bankruptcy courts do not provide information to the credit bureaus. The credit bureaus collect information regarding bankruptcy cases from the Bankruptcy Courts public records. No matter the status of your case ( open, closed, discharged, dismissed ) 15 U.S.C 1681s-2 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate.

( 2 ) Duty to correct and update information A person who- ( A ) regularly and in the ordinary course of business furnishes information to one or more consumer reporting agencies about the person 's transactions or experiences with any consumer ; and ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate.

I also was never given the opportunity to check or dispute information on these accounts, if you believe you have proof of my acknowledgement and receipt of the information on these accounts please provide this proof with my name and signature of acceptance if you have sent certified mail please provide me the receipt with my signature these accounts are hurting my efforts to reestablish credit since my bankruptcy

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 2024-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to file a formal complaint against your agencies for failing to conduct a timely investigation and rectify inaccuracies within my credit report, in violation of the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/XXXX, I submitted a dispute regarding discrepancies observed in my credit report pertaining to XXXX XXXX XXXX XXXX. Despite being well within the 30-day period mandated by the FCRA, XXXX have yet to receive a response or any indication of an investigation being conducted. 

The discrepancies identified include variations in reported last activity dates across XXXX, Equifax, and XXXX. Specifically, XXXX lists the last activity date as XX/XX/XXXX, Equifax as XX/XX/XXXX, and XXXX as XX/XX/XXXX. Additionally, there are inconsistencies in the representation of payment history, with Equifax indicating 8 instances of 90-day late payments compared to only 1 reported by XXXX. Moreover, discrepancies in on-time payment percentages and specific entries further highlight the lack of accuracy and consistency in my credit report. 

These discrepancies not only violate my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 but also undermine the integrity of the credit reporting system. As per 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), it is your obligation to conduct a reasonable reinvestigation within 30 days of receiving notice of dispute from the consumer. Yet, your agencies have failed to fulfill this obligation, thereby disregarding the purpose of the FCRA to ensure fair and equitable treatment of consumers. 

I demand an immediate escalation of this matter and a thorough investigation into the inaccuracies and inconsistencies reported in my credit report. Furthermore, I insist on receiving documented proof of any alleged late payments associated with my account. 

It is imperative that Equifax, XXXX, and XXXX take swift and decisive action to rectify these violations of the FCRA and restore the accuracy and integrity of my credit report. Failure to do so will result in further escalation of this complaint and pursuit of legal remedies available under the FCRA. 

I expect a prompt response and resolution to this matter. Please do not hesitate to contact me if further information is required.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to file a formal complaint against your agencies for failing to conduct a timely investigation and rectify inaccuracies within my credit report, in violation of the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/XXXX, I submitted a dispute regarding discrepancies observed in my credit report pertaining to XXXX XXXX XXXX XXXX. Despite being well within the 30-day period mandated by the FCRA, I have yet to receive a response or any indication of an investigation being conducted. 

The discrepancies identified include variations in reported last activity dates across XXXX, XXXX, and Experian. Specifically, Experian lists the last activity date as XX/XX/XXXX, XXXX as XX/XX/XXXX, and XXXX as XX/XX/XXXX. Additionally, there are inconsistencies in the representation of payment history, with XXXX indicating XXXX instances of 90-day late payments compared to only 1 reported by Experian. Moreover, discrepancies in on-time payment percentages and specific entries further highlight the lack of accuracy and consistency in my credit report. 

These discrepancies not only violate my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 but also undermine the integrity of the credit reporting system. As per 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), it is your obligation to conduct a reasonable reinvestigation within 30 days of receiving notice of dispute from the consumer. Yet, your agencies have failed to fulfill this obligation, thereby disregarding the purpose of the FCRA to ensure fair and equitable treatment of consumers. 

I demand an immediate escalation of this matter and a thorough investigation into the inaccuracies and inconsistencies reported in my credit report. Furthermore, I insist on receiving documented proof of any alleged late payments associated with my account. 

It is imperative that XXXX, Experian, and XXXX take swift and decisive action to rectify these violations of the FCRA and restore the accuracy and integrity of my credit report. Failure to do so will result in further escalation of this complaint and pursuit of legal remedies available under the FCRA. 

I expect a prompt response and resolution to this matter. Please do not hesitate to contact me if further information is required.

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 2024-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had inaccurate personal information on my report. 

The following personal information is inaccurate Addresses : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, NY XXXX Phone Numbers : ( 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 2024-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: AL

Complaint narrative:
I called Discover credit card to close out my account but Im still making my payments theyre coming out of my checking account automatically every month on my report it shows that they close my account because of nonpayment it needs to be fixed

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that XXXX will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXX  account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
Chase Auto lost my payoff check for almost 3 months; caused my credit to be affected which I have later been able to fix. They now are giving me a hard time refunding my tax payments that i made to them and then had to also pay to the city. 

I have plenty of documentation to provide to prove my issue with them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I have been a victim of identity theft, where someone opened a bunch of credit cards/accounts under my name in XXXX without my knowledge or authorization, and spent almost {$70000.00} across different banks and retailers. The fraudsters started by changing my mailing address with USPS and I didn't become aware of the fraud until they opened a credit card with one of my actual banks. I haven't lived in the U.S. since XXXX, so don't check my U.S. credit report on a regular basis as I don't use my U.S. credit card. In XX/XX/XXXX, I checked my credit report and discovered that numerous credit accounts had been opened, with XXXX XXXX XXXX dollars posted as major derogatory. 

I had placed a freeze with all XXXX XXXXr credit reporting agencies and disputed all the charges with them. I also contacted all the banks individually to report the fraudulent transactions in early XXXX. Within a month, all the banks ( XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX ) besides Capital One and XXXX XXXX  ( XXXX  ) removed the fraudulent accounts from my credit reports. 

Capital One : I contacted them over the phone on XXXX XXXX, XXXX, Saturday, about a fraudulent account with about {$13000.00} outstanding, requesting to remove it from my credit history and then never heard from them. I called back on XX/XX/XXXX, and after an hour of back-and-forth with XXXX representatives, the fraud department representative told me that my case was investigated, found to be non-fraudulent and closed on XXXX XXXX, XXXX after one business day. I didn't receive any communication from Capital One. I reopened the case by providing the details of the police report that I have filed. My case number with Capital One if XXXX XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX I contacted them over the phone on XXXX XXXX, XXXX, about a fraudulent account with about {$4500.00} outstanding, requesting that the credit account be removed from my credit history as I never opened it. My case number with XXXX XXXX XXXX XXXX XXXX XXXX. XXXX months later, XXXX, along with Capital One, are the only XXXX banks that have not removed the fraudulent accounts from my credit report and continue to insist that they are non-fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-06 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Michel Law, LLC d/b/a Level One Law
State: MD

Complaint narrative:
XXXX XXXX XXXX sold the debt relief services of Level One Law, a dba of Michel Law , LLC to me on XX/XX/2023. The plan was : through the services of yet another firm, XXXX XXXX, XXXX ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, OK XXXX ), I would engage in a XXXX program, during which i would pay them a total of {$30000.00} to settle {$36000.00} worth of unsecured debt. The monthly fee I paid them was {$640.00}, divided into these fees : {$150.00} retainer, {$330.00} service cost, {$48.00} reserves, {$99.00} legal admin fee, {$10.00} banking fee. After XXXX months in the program, no work on my behalf had been done, as tracked through a customer portal with XXXX XXXX and through my investigations with my creditors that i enrolled in the program. No creditors of mine had been contacted ; no negotiations engaged- no work for which i had contracted. All XXXX of my enrolled creditors verified this in email and statements. Therefore, on XX/XX/2023, I emailed and hard copy USPS mailed a cancellation request to XXXX XXXX and to Level One Law, as allowed per my contract ( cancellation at any time ). My agreement clearly states ( p. XXXX ) that upon termination by client, all savings and unearned fees will be refunded. I was in the program for XXXX months : XXXX, XXXX, XX/XX/2023. 
According to the payment schedule ( pg. xii ), I had at the time of cancellation {$190.00} in Settlement Reserves, which constitute the " savings '' referred to in the agreement. Aside from " banking costs '' in the payment schedule, which I assume are related to their collection of my monthly payment, I should be refunded $ XXXX in " unearned fees, '' per the agreement. This, plus the Settlement Reserves means a total of {$1800.00} refunded to me. I reached out in multiple emails and phone calls for this money, only to receive XXXX message that said they " investigated '' my cancellation and determined that {$120.00} is due back to me. I received this check in the mail, but have not deposited it as it is NOT the right amount due back to me. Not XXXX of the XXXX entities involved in this has responded to my repeated attempts to settle this despite emails and calls. I have asked for a detailed accounting of how they have spent the fees, which they have repeatedly refused to provide. Any law firm always provides minute by minute accounting of fees. 
That Level One Law/Michel Law does not do that is extremely suspicious. I need my money back immediately. I am a XXXX XXXX struggling to make ends meet after my husband 's XXXX illness, and needed help improving my debt picture so i can keep my house! This company took advantage of me. Please help me and future customers by stopping this company and getting back my money. Thank you very much.

Company response to consumer: Untimely response
Consumer complaint received 2024-04-06 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: PA

Complaint narrative:
Shellpoint 's website constantly shows no loans and when entering the requested information to " access loans, '' the system says " Something went wrong. Please try again later. '' I have been trying to file our taxes for weeks and every time I try to access the tax documentation from the mortgage servicer, I can't access the information despite being logged in. They need to fix this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-06 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
Before the end of 2023 I sent in documentation via certified mail to receive and cash out my XXXX XXXXXXXX XXXX  XXXX plan since I only worked for them for about 10-11 months. The money has been delayed for several months to receive my check and when I call they can not confirm any details of when a check will be mailed out. They aren't able to give me a response when contacting their customer service agents at Merrill Lynch for that past several months.

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 2024-04-06 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: FL

Complaint narrative:
I have received many Vanilla Visa gift cards worth {$620.00}. I have tried to use them at many physical stores such as XXXX XXXX, XXXX, XXXX XXXX and XXXXXXXX XXXX. I have also tried using them on XXXX, XXXX, XXXX, XXXX and various others. The cards state they can be used anywhere XXXX is accepted, but that is simply not true. They also state on their website that they gift cards can be added to my XXXX XXXX, which is also untrue. I have contacted Vanilla Gift cards twice ( XX/XX/24 and XX/XX/24 ) and was told both times all they could do was reissue the cards and that maybe I was not using them correctly and to try a different retailer. Each time they have been used at a retailer, they have been keyed as credit/debit cards just as Vanillas customer service has stated. I have confirmed that all of my cards are active and do have funds on them. If XXXX of their XXXX cards do not work, reissuing more cards will not help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-06 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: ME

Complaint narrative:
While reviewing my latest credit report, I discovered that on XX/XX/2023, an individual attempted to obtain credit using my identity through Equifax Mortgage Services.

Company response to consumer: Closed with explanation