vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST CITIZENS BANCSHARES, INC.
State: FL

Complaint narrative:
I had isses to access to my bank account. I change my phone XXXX XXXX weeks ago. they up date on the phone but no on them platform : it mean I am able to process operation through the mobile phone but no website or app. 

It doesn't make sense beacuse every time I login to the webpage ask " one-time " code to send the my phone but it's the old number. 

Repetely I kindly ask to change the security code to send by email because it's my right access to MY ACCOUNT WITH MY MONEY!! apparenly the bank doesn't care.

Biside they ignore my email and I have been in branch too. Now I am in XXXX I need the money and it's higlhy urgent and I don't the bank protocol, what I care it's my money!!! Unacceptable! I've been battling to gain access to my own bank account, all because of your outdated and inefficient system. I changed my phone number XXXX weeks ago, which you managed to update for mobile banking, but not for your website or app. This means I'm stuck, unable to perform any operations through the website or app. 

What's even more infuriating is that every time I attempt to log in to the webpage, it demands a " one-time '' code, which you insist on sending to my old number. It's like you're deliberately trying to prevent me from accessing my own account! 

I've repeatedly requested, in the most polite terms, that you change the security code delivery method to email. It's a simple request, and it's my right to access MY ACCOUNT, MY MONEY! But it seems like your bank couldn't care less about my situation. 

To add insult to injury, you've been ignoring my emails and I've even visited a branch in person, all to no avail. Now, I find myself stranded in XXXX, in urgent need of my money, and your bank 's bureaucratic red tape is the last thing I need. I don't care about your protocols or procedures ; all I care about is getting access to MY MONEY! This situation needs to be rectified immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 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: Experian Information Solutions Inc.
State: DE

Complaint narrative:
After taking a look over my consumer report I've noticed several inquiries that doesn't belong to me. I have no knowledge of these lenders nor do we have any mutual relations. I strongly believe that the inquiries Experian is reporting are inaccurate in which they don't belong. anything reporting to my consumer report must have my consent. 

Violations committed by Experian : 15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681e - Compliance procedures 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information

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 2024-05-28 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Social Security # XXXX XXXX : XX/XX/XXXX XXXX NCB Management Servicers , Inc . 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX The above account is on my credit report. Please send me proof that you are the actual owner of this debt as there are a lot of scams on the internet. I request all communication be sent to my electronic email address : XXXX for privacy reasons. 


Thank you for your cooperation in this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Experian Last Date of Payment XX/XX/XXXX XXXX last date of payment XX/XX/XXXX XXXX Open Date XX/XX/XXXX Experian Balence {$0.00} XXXX Balence {$0.00} Experian Open Date 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 explanation
Consumer complaint received 2024-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor. 
Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry. 
Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Army and Air Force Exchange Service
State: FL

Complaint narrative:
Around XX/XX/year> I saw an ad for Military Star advertising " save 10 % today ''. 
I could use that at XXXX which was linked to XXXX XXXX. The advantage of using XXXX XXXX XXXX is free shipping and no tax. The advantage of getting the Military Star Credit Card was the offer for " Save 10 % today '. I had to unlock my credit. I did this with all 3 agencies. I applied and was immediately approved, but not allowed to charge anything that day. I called Military Star Credit Card Company and was told it would take 7-10 days to get the card. I needed the appliances ASAP so I was forced to use another credit card for my purchase. When I got the Military Star card I called XXXX XXXX XXXX and asked if I could change the payment method for the credit card I used to my Military Star card and was told no. 
I have sent an email to Military Star describing my complaint with no satisfaction. 
I spent {$2100.00} on a refrigerator and dishwasher which is already delivered. 
I would have gotten a {$210.00} credit for my purchase with Military Star if I was allowed to use the card that day.

It was false advertising and nothing less.

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 2024-05-28 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: CITIBANK, N.A.
State: NY

Complaint narrative:
My husband and I have a Costco Citibank card that can be used anywhere. In XXXXXXXX XXXX XXXX  we purchased a food order for {$20.00} and change. The next day we noticed a charge on our card for {$2000.00} with a weird name as vendor. We put a fraud dispute on the card and said that charge was not authorized. Citibank spoke with us and let us know it was actually the food place that made the charge so we said that we did purchase but not for that amount. We had to change the fraud dispute to now regular dispute. Citibank gave us back the money but then when realized they needed to change the dispute they took back the money. Now we are in XXXX and after speaking with over 5 different reps it seems like the dispute was never put in correctly on their end. They said they needed the receipt for the charge. We had to go back to food vendor and ask for receipt. We submitted this back to Citibank and we were then told its been over 6 Months and wed need to sort out with merchant. We were never told this! And this was completely their error. This has been entirely frustrating and we were now charged back the fees. We made this complaint immediately and spoke with many different reps and everyone said something different. We are now working with vendor and waiting for this reimbursement. We are disgusted with Citibank and have never seen this happen with any bank. Something we moved so quickly with and to get no help at all. We will also file a complaint with better business bureau. Also please keep in mind the merchant was never contacted by Citibank!

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 2024-05-28 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:
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 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 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 2024-05-28 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: 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 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 2024-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
MIDLAND CREDIT MANAGEMENT is sharing my nonpublic personal information with non-affiliated third parties XXXX, XXXX XXXX XXXX. MIDLAND CREDIT MANAGEMENT does not have my consent to have and share my private personal information. As well, the information that they are reporting is inaccurate and false. Midland Credit Managment is reporting that I owe them a debt, I have never done business with Midland Credit Management. I have never signed a contract to do business with Midland Credit Managment. They are violating my right to privacy as a consumer, reporting inaccurate, false, damaging information to the consumer reporting agencies. They are in violation of multiple federal laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Social Security XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX Santander Consumer USA Inc . 
XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX The above account is on my credit report. Please send me proof that you are the actual owner of this debt as there are a lot of scams on the internet. I request all communication be sent to my electronic email address : XXXX for privacy reasons. 


Thank you for your cooperation in this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
On XX/XX/24 I was in the process of booking XXXX flights on XXXX XXXX. 

Citi advertises on the XXXX XXXX site a partnered credit card a Citi Advantage card which offers a {$400.00} statement credit when used, reducing the cost of the flight to be booked. 

I applied through the link accessible on the XXXX XXXX site, through the booking process. 

The application was approved. I was offered a credit line of {$24000.00}. I was asked to set up a user name and password for online access. I did so and a username and PW was created. The final step was to click to obtain account details such that I could use the card to book the flights and access 10 % of the credit promised. 

The site failed to proceed or do so. I can not access the account via Citi 's website with the credentials that were set up. I can not access the card information via phone nor via chat. 

My credit was pulled as I received numerous alerts of same. 

So, I am now : Without the credit line I was promised. 
Missing the {$400.00} reduction in the cost of the tickets ( {$1700.00} ) I would be entitled to had the credit card proceeded as promised. 
Missing the " points '' or miles which would be awarded for a {$1700.00} purchase. 
Missing the opportunity for the qualifying purchase for any card bonus ( I.e. minimum spending to obtain the bonus by way of missing out on the {$1700.00} purchase. ) Citi is unable to do anything and can not even expedite a physical card. They similarly can not provide access to my account online nor via phone. 

If I delay purchasing the ticket, I risk the ticket price increasing further, further increasing the damage I am suffering due to Citi 's failure to operate properly.

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 2024-05-28 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: FL

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 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 explanation
Consumer complaint received 2024-05-28 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: NV

Complaint narrative:
I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.

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 2024-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I didn't realize that this account exists until I received a debt card in the mail. This account was opened without my consent. I called the bank and reported it. They requested me to give them more personal information to close it. Since I'm not sure how it was created I didn't feel comfortable giving out more personal information to closed it. After I told them that I didn't request this account to verify opened. They told me that they needed this information so they can verify it was me. This bank just don't want to closed this account and I don't know why.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 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: U.S. BANCORP
State: MA

Complaint narrative:
I have discovered XXXX ( XXXX ) credit inquiries on my credit report that I have never applied for or submitted my personal information to use. I have contacted XXXX and they are showing all XXXX of the credit inquiries. I requested that any further inquiries into my credit score to " Frozen ''. 
I have contacted XXXX XXXX and XXXX as well. XXXX XXXX and XXXX are only showing XXXX " hard inquiries '' attempted to gain a line of credit from " XXXX XXXX ''. 
Below are the XXXX known credit inquiries : XXXX XXXX  XXXX on XX/XX/year>2024 XXXX XXXX on XX/XX/year>2024 XXXX  XXXX on XX/XX/year>2024 XXXX  XXXX XXXX on XX/XX/year>2024 XXXX XXXX XXXX on XX/XX/year>2024 Again I have never applied or authorized any line of credits or inquiries for any such matter. I do not know how or who may have my personal information.

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 2024-05-28 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bonneville Billing and Collections
State: UT

Complaint narrative:
XX/XX/XXXX Bonneville Collection served myself and husband for a medical surprise bill. I have asked several times in our court case for a financial agreement and they had not been able to provide one. On court dated XX/XX/XXXX of XXXX. XXXX XXXX threaten to add {$3000.00} to our bill that we are fighting in court if we did not settle in that half hour that the judge gave us to talk. He was intimidating and yelling at us. The judge and I gave XXXX XXXX and Bonneville collection 3 weeks to provide a financial statement. We go to court again tomorrow XX/XX/XXXX of XXXX. And I just realized on XX/XX/XXXX Bonneville collection also put this debt on my credit report. We are in litigation and I am proving that I do not owe this debt. Besides being intimidated, now he has ruined my credit report. XXXX XXXX from Bonneville collection agreed with me that he needs to have a financial arrangement agreement to make the federal truth and lending statement be legal. From what I read you can not put debt that is in litigation on the credit report..

Company response to consumer: Closed with explanation