vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
House property XXXX XXXX XXXX XXXX XXXX OH XXXX : XXXX ISSUES : XXXX. I am on the DEED, but my soon to be XXXX husband XXXX XXXX is the ONLY XXXX on the mortgage ( XXXX XXXX ). I have been paying the mortgage every month in full for XXXX year, but my payments just make my husband 's XXXX XXXX better. XXXX XXXX needs to CONTACT XXXX, XXXX and Experian and TELL THEM I AM PAYING THE MORTAGE SO MY XXXX XXXX GETS BETTER AND NOT HIS. THEY THEN NEED TO TELL XXXX, XXXX and Experian that XXXX XXXX is NOT paying the mortgage so they can remove all kudos to him. XXXX BANK can produce to you the CHECKS from MY ONLY bank account ending in XXXX XXXX XXXX 

XXXXXXXX XXXX XXXX NEEDS TO TRANSFER THE MORTGAGE TO ME at the same percentage rate becuase I have been paying it anyway.

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 2024-07-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank refused to honor fraud claim, refused to credit account. Thousands of dollars because XXXX checks direct deposited then fraud because XXXX never received

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 2024-07-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Citi was promoting a {$300.00} cash bonus to new eligible customers who opened a checking account within a time frame. I saw this offer in XXXX and created a checking account with Citi ( this was my first time ). According to Citi, new account holders had to have XXXX Enhanced Direct Deposits directly into the account within 90 days from opening, and the total must be over {$1500.00}. I did this by using XXXX to deposit {$1600.00}. I deposited {$500.00} on XX/XX/year> ; {$500.00} on XX/XX/year> ; and {$600.00} on XX/XX/year>. The offer said to wait XXXX calendar days to receive the {$300.00} bonus. 

However, within a week of the deposits, I noticed that unlike Citi 's website that claimed users must open the checking account through this ( https : //banking.citi.com/cbol/OM/checking/enhanced-direct-deposit-offer/default.htm? XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX ) website, I opened it on Citi 's main homepage XXXX XXXX XXXX XXXX XXXX & XXXX & XXXX & XXXX & XXXX ). I called Citi to double check whether the link I clicked could affect my eligibility. Its customer support told me that there is no difference, and that I am qualified anyways. I was relieved and I waited for the bonus. 

Fast forward to XXXX, I realized its been a few days and so I called Citi again to see when my bonus was coming in. I called on XX/XX/year>, and the representative told me that I had to wait around another month. I was fine and I waited. It was XXXX and the money still was not in, so I called again on XX/XX/year>. This time, Citi told me to wait until the end of XXXX. I came back from vacation end of XXXX and saw that there was {$300.00}. I waited patiently because I assumed Citi was busy with many customers opening accounts for the bonus. It is now XX/XX/XXXX, and it has been more than XXXX months since I opened my Citi checking account and the {$300.00} is nowhere to be seen. I did not want to call Citi again and be told to wait, hence I am writing this complaint to see if something can be done. 

Additionally, my bank balance is still over {$1500.00} so there is no way I quit being eligible.

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 2024-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
My account with the XXXX XXXX and i was never late! I have had exceptional payment history with this company 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 XXXX 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 XX/XX/year>, XX/XX/year>, XX/XX/year>, AND XX/XX/year> to be removed They are not in compliance with the following law. XXXX XXXX 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 XXXX XXXX ( a ) Time to make payments A creditor XXXX 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 21 days before the payment due date. 

This company never sent The periodic statement along with the disclosures from section XXXX ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Subject : Request for Cessation of Excessive Calls Regarding Closed Account Dear Chase Bank, I am writing to express my concern regarding the frequent and disruptive phone calls I have been receiving from your bank. My account was closed several months ago, and I have been consistently receiving calls every few hours regarding an outstanding balance of {$200.00}. I understand my responsibility to settle this matter and have informed your representatives that I will make the payment on Thursday. 

However, the persistent and excessive nature of these calls is causing significant disruption to my personal and professional life. I kindly request that you intervene and ensure that these calls cease until the agreed-upon payment date. I am committed to resolving this matter amicably and will make the necessary arrangements to settle the outstanding balance as soon as possible. 

Thank you for your attention to this matter. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I found frivolous items on my credit report that do not belong 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 2024-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Netspend Corporation
State: TX

Complaint narrative:
XXXX has many negative reviews when XXXX  The past 3 months they don't remove pending charges in 30 days or less and nobody can send me that in writing. Last month XXXX at the XXXX in XXXX where I started XXXX account had to manually remove a hold that was almost {$400.00} from XXXX XXXX that accidentally overcharged me twice. If not for her help it would still be on there. Each time I called the rep was ignorant and ghetto, and hung up on me or put me on forever hold when I asked for a supervisor because they couldn't assist me. Then, I've waited almost 2 months for doublecharges from XXXXXXXX XXXX TO FALL OFF. XX/XX/XXXX, XX/XX/XXXX, AND XX/XX/XXXX ALL HAVE POSTED AND THESE DOUBLE HOLD SHOULD HAVE FALLEN OFF A LONG TIME AGO. SINCE THEY HAVENT, MY ACCOUNT WAS CHARGED {$50.00} FOR OVWRDRAFT WHEN I HAVE PROOF I WAS ENROLLED IN THEIR " OVERDRAFT PROTECTION '' PROGRAM. 

IF THE HOLDS PENDING WERE REMOVED IN A TIMELY MANNER LIKE OTHER BANKS CHASE, XXXX XXXX, XXXX XXXX XXXXXXXX, THE 30 DAY PERIOD TO FALL OFF LIKE XXXX TOLD ME HAD PASSED. 

THE XXXXXXXX XXXX CHARGE WAS XX/XX/XXXX, AND IF XXXX HOLDS XXXX PENDING I WOULDNT HAVE BEEN OVERDRAFTED. SO THEY OWE ME {$100.00} FOR THE PENDING CHARGES FROM XXXX EATS THAT POSTED ON THE DATES SHOWN AND IM.BEING DOUBLE CHARGED AND DONT HAVE ACCESS TO MY FUNDS FOR MONTHS!!! 

THEY ARE PREDATORY MAKING MONEY OFF LESS EDUCATED AND POOR PEOPLE WHO DONT KNOW ANY BETTER BECAUSE XXXX NEVER HAD A REAL BANK ACCOUNT!!! I USED TO WORK AT A BANK AND THIS IS HIGHLY ILLEGAL AND THWY NEED TO BE SHUT DOWN!! THEY OWE ME THE {$50.00} OVERDRAFT FEE AND XXXX CHARGES STILL PENDING SINCE XX/XX/XXXX!!! ABOUT 2 MONTHS THEYVE BEEN HOLDING MY FUNDS XXXX AND XXXX TIRED OF GETTING NO HELP!!! THESE FRAUDS DONT CARE AND NOW I HAVE TO CHANGE MY MONTHLY SOCIAL SECURITY XXXX XXXX ANOTHER INSTITUTION AND THAT WILL MEAN I WONT HAVE ACCESS TONMY XXXX PAYMENTS FOR 2 MONTHS AND THATS NOT GOING TO WORK!!! I WILL ALSO POST REVIEWS ON SOCIAL MEDIA TO WARN OTHERS. SCUMBAGS NEED TO BE SHUT DOWN! THEY KEEP SENDING GENERIC EMAILS AND OBVIOUSLY XXXX DOESNT HAVE TIME OR WANT TO FIX IT BECAUSE I EMAILED HER ON XXXX  AND NOTHING HAA BEEN 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 explanation
Consumer complaint received 2024-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
My account with ( CREDITOR NAME ) was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 XXXX 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 those account to be removed. 

They are not in compliance with the following law. XXXX XXXX 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 XXXX XXXX ( a ) Time to make payments A creditor XXXX 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 21 days before the payment due date. 


( CREDITOR NAME ) Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-29 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: IL

Complaint narrative:
Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the TransUnion credit reporting agency XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX XXXX on XXXX XXXX with a balance of {$1700.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2024-07-29 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: NC

Complaint narrative:
Do you know or have any idea how XXXX  it is when youre working your way off honestly, then you look at your credit report erroneous information everywhere that has negatively impacted both my XXXX XXXX and my life, it is my literal lifeline during emergencies, and every paycheck is an emergency.

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 2024-07-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: GA

Complaint narrative:
Well I lost my wallet back in XXXX, around this time I had just received a deposit from my school, someone used my debit card and got my phone as well and got into my account and made over XXXX dollars worth of purchases, I have filed disputes, Ive been back and forth with this intstution about my funds, they did XXXX provisional credit but took it back within XXXX min, theres no way they had a resolution that quick, I requested the documents they used to make their decision but nothing and they said it would take 3 days to find a resolution and I could keep the funds while they investigate, they clearly lied, this has been a horrible experience with this institution, they claim to be fdic insured, I just want my money back, this has been a XXXX  month process, this bank is unreal.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.

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 2024-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
ACCORDANCE WITH XXXX XXXX XXXX ( XXXX ) I DIDNT GIVE WRITTEN CONSENT TO HAVE THESE ACCOUNTS ADDRESS NAMES TO BE FURNISHED ON MY XXXX XXXX XXXX XXXX REPORTS. ACCORDANCE WITH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PROTECTION OF NON-PUBLIC PERSONAL INFORMATION I DIDNT GIVE WRITTEN CONSENT! ACCORDANCE WITH XXXX XXXX a b c d XXXX OBLIGATION WITH RESPECT TO XXXX XXXX of personal information i never signed any disclosures forms given written consent! 
XXXX : NAMES XXXX XXXX XXXX, XXXX XXXX, ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MD XXXX PLEASE DELETE PROMPTLY I KNOW MY RIGHTS

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 2024-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
ACCORDANCE WITH XXXX XXXX XXXX ( XXXX ) I DIDNT GIVE WRITTEN CONSENT TO HAVE THESE ACCOUNTS ADDRESS NAMES TO BE FURNISHED ON MY XXXX EQUIFAX XXXX XXXX REPORTS. ACCORDANCE WITH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PROTECTION OF NON-PUBLIC PERSONAL INFORMATION I DIDNT GIVE WRITTEN CONSENT! ACCORDANCE WITH XXXX XXXX a b c d XXXX OBLIGATION WITH RESPECT TO XXXX XXXX of personal information i never signed any disclosures forms given written consent! 
XXXX : NAMES XXXX XXXX XXXX, XXXX XXXX, ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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, MD XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX PLEASE DELETE PROMPTLY I KNOW MY RIGHTS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-29 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: PA

Complaint narrative:
Experian XXXX XXXX XXXX XXXX, XXXX XXXX  Subject : Dispute of Incorrect Address Information under FCRA I am writing to dispute incorrect address information on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I am requesting the deletion of the following addresses from my credit report due to issues of completeness and accuracy : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX addresses are not current and should not be associated with my credit report. Please take the necessary steps to investigate and remove these inaccuracies from my file. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a copy of my updated credit report once the investigation is complete. 

Thank you for your cooperation. 

I have included a current utility bill and a copy of my state issued drivers license.

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 2024-07-30 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: Chime Financial Inc
State: MA

Complaint narrative:
On XXXX, XXXX, 2024 I ordered XXXX meals on XXXX that I did not receive, instead I got something I didnt order. I immediately reported this to XXXX and they investigated it and then told me XXXX ineligible due to my account history, but I have no idea what that means because they didnt give me any other explanation. I showed them proof of what I had received and told them to contact the dasher because he can attest that he gave me XXXX order of something completely different, and was still denied a refund. I filed a dispute with chime my credit card, and was denied because they state there was no billing error which is not what I said. I told them that I hadnt received what I ordered, not that there was a billing error. I even told them I showed XXXX proof, and they supposedly contacted XXXX so XXXX not understanding what the issue is with giving me my money back. I have this issue with XXXX occasionally where the dasher either will leave my order at another apartment and it will get stolen, or my order has been stolen by the dasher themselves even when they take a picture claiming they left it by my door. XXXX uses this to say that I had enough refunds or too many complaints, even though I only refund when I either dont receive my order or if the order has quality issues. I dont know what else to do to get my money back.

Company response to consumer: Closed with explanation