vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I have a Citibank XXXX credit card that I currently have two deferred interest payments setup. These were both created using balance transfer offers. Once of these balances was setup with 0 % interest and is currently due on XX/XX/XXXX. The other balance was setup recently with a 0.99 % interest rate and it is due XX/XX/XXXX. I intended to pay off the 0 % interest balance in full before the transfer offer expires on XX/XX/XXXX. Citibank has informed me that due to the way their system is setup that any payment I make will be applied to the higher interest rate balance first. This would make sense normally but not in this case. I explained this to the representative and the supervisor today ( XX/XX/XXXX ) but I was unable to convince them to pay off the balance that is due XX/XX/XXXX. While I was on the phone I found a webpage on the Citi site that states the following... 
Amounts over the Minimum Payment Due are generally used to pay off higher rate balances first. 

- Any amount paid in excess of your minimum payment due each month will be paid to your highest interest rate balance first. 
- The only exception to this is the 2-3 billing cycles at the end of a deferred interest promotion. During this time we will apply any payment in excess of your minimum payment due to your expiring promotion. This will ensure you continue to have the best opportunity to pay your promotional balances before expiration. 

https : //www.citicards.com/cards/wv/copy.do? XXXX Please notice the 2nd sentence that is exactly for the situation I am in. It states that I can make a payment within 2-3 BILLING CYCLES to pay off the balance that is EXPIRING. 

Citibank officials explained to me that I must wait until 3 days after this cycle ends ( XX/XX/XXXX ) so that my expiring balance will not be the higher interest rate balance and they can apply my payment to that balance. Unfortunately I would be responsible for interest payments to them because my balance transfer would have expired. 

I am very angry about the lack of assistance and even after I had read them THEIR statement on their website they refused to pay off my expiring balance. I think the situation warrants a lawyer because they are breaking federal rules for credit cards but I will start with this complaint.

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 2023-07-18 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: TX

Complaint narrative:
In accordance with the Federal Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 instruction.

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 2023-07-18 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 inructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: CO

Complaint narrative:
I received a notice from " Afni , Inc '', a debt collector. They stated I owed money to XXXX. I knew this was a scam. I don't owe money to XXXX and I called them to double check. 

I would like to report this company as fraudulent. 

This is the information in the letter I received from Afni : Afni, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX, CA XXXX ( XXXX ) XXXX www.afnicollections.com Date XX/XX/2023 2023

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 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: CA

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

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 2023-07-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
Amazon set me up for a subscription without my permission and has been making it difficult to cancel. I have called several times to cancel the account and be refunded only to have it reopened and be charged again. This has negatively impacted my credit score as my family is in the market to purchase a home, its very frustrating. In addition I have had several of my credit card accounts closed and I suspect ( since they are administered by Synchrony bank ) it is due to the Amazon store card situation. It has been and continues to be a great hindrance.

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 2023-07-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Legal Department, I have submitted dispute on the following fraudulent accounts, and they were returned back to my credit history after being removed per lenders request. The accounts that are being disputed are fraudulent and as of my knowledge according to the facts they shouldnt be reported back. 

The collection accounts listed below are items currently within my credit file, and they are not related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts : 1. Account name and number : XXXX XXXX XXXX Date it was opened : XX/XX/XXXX 1. Account name and number : XXXX XXXX Date it was opened : XX/XX/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 2023-07-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
Hi, In reliance on an XXXX ad by TD Bank ( attached below ) in early XXXXXXXX 2023, I applied for and received a TD Bank XXXX credit card. This credit card offers 0 percent interest for 18 months. I then downloaded the TD Bank app so as to be able to do a balance transfer, but each day when I check about doing a balance transfer, the page indicates that no balance transfer offers are available. 

I wrote to TD Bank on both XX/XX/2023 and XX/XX/2023 to inquire as to why I do not have any availability to take advantage of the 0 % interest rate for 18 months by doing a balance transfer. The only response I received, on XX/XX/2023, was a generic one, indicating that they would look into the matter. I have not heard back since. In my opinion, I consider this to be false and misleading advertising, and in essence, resulted in a bait and switch in order to lure me to apply for and receive this credit card. I refused to make any charges on this credit card because the sole reason I applied for and received this credit card was to take advantage of the 0 % interest rate for 18 months as had been advertised. 

I hope that you investigate this matter and determine whether TD Bank has been fraudulently misrepresenting the terms of its XXXX credit card, to the detriment of consumers in Massachusetts and elsewhere. Thank you very much for all your help. 

Please feel free to contact me with any questions or comments : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, MA XXXX, cell phone number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 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: MD

Complaint narrative:
I have never given my consent and feel that Im a victim of identity theft from the following companies : Transunion, XXXX, and XXXX. I ask that these situations 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 non-monetary relief
Consumer complaint received 2023-07-18 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: CA

Complaint narrative:
I have a fraudulent account which is showing on my credit report. I have never applied for XXXX XXXX and never gave anyone permission to use my personal information for applying to that creditor. I tried to resolve my problem with XXXX XXXX but no result. Because of that I'm submitting a complaint to you to help me for removing XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$4500.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$1200.00} and XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$4600.00}. Those XXXX accounts are fraud. Thank you.

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 2023-07-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I, XXXX XXXX, I was denied a product due to a extended Fraud alert on my consumer credit report. I did NOT ever request an extended fraud alert or ANY other fraud and/or alerts to be on my credit report

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 2023-07-18 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 00:00:00
Product: Credit card or prepaid 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: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/XXXX, I was charged {$200.00} on my Macy 's Amex Card for a XXXX XXXX comforter that I ordered online a few days prior. The order # was XXXX. When I had not received it by XX/XX/XXXX ( and my account stated 'In Transit ' ), I called customer service and was told that it had never been picked up by XXXX . The customer service agent then helped me to reorder the comforter on XX/XX/XXXX ( order # XXXX ). I did receive that comforter on XX/XX/XXXX. When I received my credit card statement in XXXX for the month of XXXX, I noticed that the XX/XX/XXXX charge of {$200.00} was still on my account. I contacted the Macys credit card department and was told that it had been returned for a gift card. I explained to them that it had never been received but the customer service people were not understanding the situation. 
Since XXXX, I have spoken with numerous reps through email and over the phone about this fraud. I have even been told that they can see it was returned by someone named XXXX and was already used ( not near where I live ). I know when they look into it, they can see that it was never delivered to my address and that I was not the person who 'returned ' it for a gift card. 
When I now sign into my Macy 's account, they have updated the transactions. The original comforter on XX/XX/XXXX says 'delivered ' and then 'refunded ' in a later transaction. And, the one ordered on XXXX is not listed in my account -- but I have the email order and delivery confirmation. It is beyond frustrating that I am going to have to pay {$200.00} for an item that I never received. And, the amount of time and energy that I have spent trying to contact an actual person in Macy 's who can try to understand the situation. I have been charged twice by Macy 's for a comforter that was only received once. The Macy 's customer service is TERRIBLE. 
Thank you

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 2023-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a natural person, I am a living being. I have rights under 15 USC 1681.

TransUnion is governed by 15 USC 1681, and they are NOT the original creditor of XXXX XXXX, this can not be so. XXXX XXXX has violated my rights numerous times by alleging that a debt of {$1400.00} USD is owed that has already been disputed and deleted from my credit report, this can not be so. 

TransUnion has fraudulently double backed and reported a debt that has already been DISPUTED and DELETED from my credit report before, and it is now reappearing after such actions, this can not be so! 

I have not supplied proof under doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 

I am hereby demanding that this derrogatory/invalid account be REMOVED from my credit report. According to 15 USC 1681 : I have the right to privacy and I did not give TransUnion the right to furnish this account.

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 2023-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a natural person, I am a living being. I have rights under 15 USC 1681. 

XXXX is governed by 15 USC 1681, and they are NOT the original creditor of XXXX XXXX, this can not be so. XXXX XXXX has violated my rights numerous times by alleging that a debt of {$1400.00} USD is owed that has already been disputed and deleted from my credit report, this can not be so. 

XXXX has fraudulently double backed and reported a debt that has already been DISPUTED and DELETED from my credit report before, and it is now reappearing after such actions, this can not be so! 

I have not supplied proof under doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 

I am hereby demanding that this derrogatory/invalid account be REMOVED from my credit report. According to 15 USC 1681 : I have the right to privacy and I did not give XXXX the right to furnish this account.

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 2023-07-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I have the Capital One Venture X card, that has a " price match '' guarantee. I have included the criteria below and responses that I have taken. 

Qualification criteria. 
To qualify for Capital One Travels price match guarantee, the cheaper itinerary found must be : 1. An exact match to the original itinerary that was made within the last 24 hours ( including the cancellation policy, i.e. refundable or non-refundable ) ; -- -- -- -- -- -- I submitted a claim less than 12 hours later. During that call, the agent confirmed that I fulfilled this criteria. 
2. Priced in USD, including any taxes and fees ; -- -- -- -- -- - Fulfilled this criteria by providing in USD AND Euro 3. Available to the general public. For example, this means that the rate doesnt require the customer to log into a site or have a special membership ; -- -- -- -- -- -The lower price was listed on the public website of the hotel 4. Available at the time the customer contacts us. Our agent must be able to verify that the lower price exists. 
-- -- -- -- -- On my initial call, 12 hours after my booking, the Capital One agent confirmed that the date and price matched up and I was eligible for the price match guarantee. However, he mentioned that it needed final approval from the team above him because the amount I qualified for was over {$1000.00}. 

-- -- - Where this has become a problem is on that next level approval. The day after I booked ( and when I got the first approval ) the website had yet to update to show that the suite was sold out. However, 2 days after I booked, the website updated and reflected that it was sold out for those dates ( due to me booking it ). When the higher level of approver at Capital One looked at the rates ( 3 days after booking ) it showed sold out, and they declined my price match ( even though previous approver said it was good to go, and the dates before AND after the dates I booked show the lower rate ) This was extremely misleading as I followed and fulfilled all the criteria. The reasoning from Capital One of " it's now sold out because you booked it with us at a higher rate '' is one that I believe violates the FTC Deceptive Acts rule.

Company response to consumer: Closed with explanation