vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Employees charged me {$5.00} for a replacement debit card that doesnt work. I came in today ( Saturday ) to get it fixed and employees refuse to help me. I have to work during the week XXXX to XXXX and this awful company ( Bank of America ) closes at XXXX. The replacement temporary card does not work and I use it for my second job at XXXX. I need access to my funds over the weekend. If this is happening to me, it is happening to others. I REFUSE to take off of work to get business done. THIS IS NOT MY PROBLEM. I DID NOTHING WRONG. THE BANK WILL NOT FIX THIS AND IT IS RENDERING ME UNABLE TO DO MY JOB. I am going to contact an attorney. This is what is going to happen : 1 ) Bank of America will pay for my lost wages from XXXX since I do not have access to my funds 2 ) Bank of America will pay me for the lost time from my regular job since I have to leave work to take care of this during my work hours 3 ) Bank of America will pay my attorney fees for the consultation and any retainer I need to pay to speak with said attorney Im losing around {$400.00} from XXXX because I can not access my money to pay for gas. This is on the low end as I can make well over {$500.00}. I can provide proof. 

Im losing around {$250.00} for having to leave my full time job during the week I have to take a half-day. That is company policy. 

The Bank of America branch that refuses to help me is in XXXX XXXX XXXX XXXX in XXXX VA . The person who refused to help me is XXXX. 

Please understand it is YOUR JOB to take care of your customers. Your bank is an absolute nightmare. Im sorry I started banking with 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 2021-09-25 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: NY

Complaint narrative:
I would like clarification as to why certain information is reporting on my credit file. Please review the following ; Inquiry Name and Date : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX -- XX/XX/XXXX XXXX XXXX  XXXX -- XX/XX/XXXX XXXX XXXX  XXXX XXXX -- XX/XX/XXXX XXXX XXXX  -- XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX -- XX/XX/XXXX XXXX XXXX  XXXX XXXX -- XX/XX/XXXX XXXX XXXX XXXX XXXX -- XX/XX/XXXX XXXX XXXX, XXXX XXXX -- XX/XX/XXXX XXXX/ XXXX  -- XX/XX/XXXX Please send me documentation with proof of signature showing that i infact applied with this creditor otherwise delete this unverifiable inquiry from my credit report. Also I have been saying this for several months now and it still has not been fixed i have goodwill adjustments from XXXX XXXX ( XXXX ) for the late payment of XX/XX/XXXX. I also received a goodwill adjustment from XXXX XXXX XXXX XXXX ( XXXX ) for the late payment XX/XX/XXXX. Even though the creditors sent the same letter to you. You are refusing to remove it from my credit. Please remove all inquires that i have listed above as well as the two late payments THAT SHOULDNT BE ON MY CREDIT FILE.

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 2021-09-25 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: NY

Complaint narrative:
I would like clarification as to why certain information is reporting on my credit file. Please review the following ; Inquiry Name and Date : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX  -- XX/XX/XXXX XXXX XXXX  XXXX -- XX/XX/XXXX XXXX XXXX  XXXX XXXX -- XX/XX/XXXX XXXX XXXX  -- XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX -- XX/XX/XXXX XXXX XXXX  XXXX XXXX -- XX/XX/XXXX XXXX XXXX  XXXX XXXX -- XX/XX/XXXX XXXX XXXX, XXXX XXXX -- XX/XX/XXXX XXXX XXXX  -- XX/XX/XXXX Please send me documentation with proof of signature showing that i infact applied with this creditor otherwise delete this unverifiable inquiry from my credit report. Also I have been saying this for several months now and it still has not been fixed i have goodwill adjustments from XXXX XXXX ( XXXX ) for the late payment of XX/XX/XXXX. I also received a goodwill adjustment from XXXX XXXX XXXX XXXX ( XXXX ) for the late payment XX/XX/XXXX. Even though the creditors sent the same letter to you. You are refusing to remove it from my credit. Please remove all inquires that i have listed above as well as the two late payments THAT SHOULDNT BE ON MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25 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: AMERICAN EXPRESS COMPANY
State: TN

Complaint narrative:
I opened my new American Express Platinum card on XX/XX/2021 with a special offer they had on their website through XXXX. The terms were : spend {$5000.00} or more within 6 months and receive XXXX bonus points, 20 % back on restaurant purchases within the first 12 months up to {$300.00} back, and earn 10 points per {$1.00} spent on all grocery and gas purchases. I have spent over {$10000.00} on the card, much more than the minimum of {$5000.00} required and have not received my XXXX welcome bonus on any recent statements. I have also spent over {$1000.00} on grocery and gas and have not received the 10 points per {$1.00} bonus, and I have spent over {$1000.00} on restaurant purchases and have not received any of the 20 % back credits listed in the offer.

I have reached out to American Express chat and technical support about a dozen times and have not received any of the 3 bonus terms mentioned. They all say we're working on it, we're sorry for the inconvenience, and that they're experiencing technical problems. Meanwhile, they refuse to offer me my XXXX welcome bonus, my 20 % statement credits, or my 10 bonus points per {$1.00} spent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
2nd complaint! I previously filed a complaint against Equifax due to their mis filing on my credit report. They replied with a typical e Oscar answer and stated they would look into this issue and cfpb closed the complaint. I just received noticed that Equifax " verified '' this account AGAIN. I had requested documents of their " verification '' on this bogus XXXX account which I never received. They even updated my credit file on XX/XX/XXXX which states " verified accurate '' and also states account was open in XX/XX/2020. This is WRONG. I never opened an account in XX/XX/2020. Equifax is falsely reporting inaccurate information and I was advised my disputes are vexatious and they do not really look into my complaints anymore ... .they just pass it over and reply with a general response without investigating the reality. I am currently trying to update all my information on my credit report to be accurate. Equifax is not helping me whatsoever. I believe this to be retaliatory due to my complaint. They have done nothing more than lower my score and not complete an accurate dispute and give me adequate information to truly validate my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SMITH, ROUCHON & ASSOCIATES, INC.
State: MS

Complaint narrative:
on XX/XX/2021, i sent Smith , Rouchon & Associates, Inc a letter about a alleged debt of XXXX that i do not owe. i sent the letter usps certified w/tracking # XXXX XXXX XXXX XXXX XXXX requesting the validity of the alleged debt of {$460.00}. and i haven't heard anything from them thus far. Pursuant to the FDCPA specifically 15 USC 1692g, it states ; Within 5 days after the initial communication with a consumer in connection with the collection of any debt, a debt collector SHALL unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing. ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed, ( 3 ) a statement that unless the consumer, within 30 days, after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within 30 day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt and ( 5 ) a statement that, upon the consumer 's request within the 30 day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor, Smith , Rouchon & Associates , Inc has failed 3-5 and therefore, is in violation of the law. not only did they not include it in the initial communication, they failed to send it within 5 days.As you can see the date was XXXX XXXX and today is XXXX XXXXattached is the letter i sent to them about the alleged debt and i haven't heard from them as of yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25 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: CA

Complaint narrative:
I placed an order with the merchant ( XXXX XXXX XXXX ) on XX/XX/XXXX for a shipment promised in 2-3 business days with an order value of {$6100.00}. I didn't receive the shipment for weeks and contacted their customer service around XX/XX/XXXX. Over the next 10 days with multiple email exchanges ( available for evidence ) and phone calls, the merchant couldn't locate the shipment and/or give an ETA on delivery. I requested cancellation and refund and the merchant agreed ( email available ). I also raised a chargeback request with the bank ( XXXX XXXX ) as I was not feeling comfortable with the merchant business practices and communication. Bank did provide an initial credit to the full amount. The same merchant later ( on XX/XX/XXXX ) charged my credit card {$4600.00} ( 75 % of order value ) as restocking fees for a shipment that was never delivered. Contacting Citibank and providing evidence has not resolved the matter and the bank has not been responding and resolving. Furthermore, Citibank has not provided any email/letter/online document about the charge itself. Only on phone, they are willing to confirm that it is restocking fees charged by the merchant. 

In this context, I would like to bring to your notice the following : 1. I have not been able to get a corresponding written document with explanation of this charge of {$4600.00} by Citi. All the other earlier documentation of dispute initiation exists online in my account. The charge has been applied without a corresponding documentation and/or communication to me. I have called Citi credit card support number to discuss the situation and they couldnt locate a document/communication in this context. They did mention that the charge is restocking fees from the merchant. I have not received a corresponding communication through email or postal mail either.

2. The original charge back request pertains to merchant not delivering the products. Over a period of 20 days through email and phone communication with merchant, I have tried to locate the shipment/tracking number for the deliverables which were promised to be shipped in 2-3 business days. Evidence of my email communication with the merchant is available. Merchant couldnt locate the shipment and/or tracking number and agreed to refund. Now, charging us 75 % restocking fees for a product which was never delivered is ridiculous.

3. I further checked the merchant website ( XXXX XXXX XXXX ) and noticed that they have 25 % restocking fees ( attachment no. 3 ). So, the calculations of 75 % of the initial order value doesnt add up. I am further lost in absence of a proper communication from Citi bank on the charge reason and the calculations.

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 2021-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: AZ

Complaint narrative:
I issued a check # XXXX on XXXX assigned to XXXX XXXX. This check shows on my online register as honored by US Bank. The Company assigned did not endorse back of check, instead initials were present. No Bank stamp showing how/where check was cashed. This check was cashed illegally. 
I have requested an explanation of how this was honored? 
I feel US Bank failed to protect my account by illegally processing. I have requested in writing and e-mails to US Bank Fraud Div. and have not received a reply. 
I have further found the assigned Company was fraud. An Attorney 's name was used in this scheme and I have also contacted : 1. US Treasury 2. US Postal Service 3. California Bar Assoc. 4. XXXX XXXX District Atty Office 5. XXXX District Atty Office 6. XXXX XXXX  XXXX. 7. XXXX XXXX XXXX 8. California State Atty General Fraud Div. 9. FDIC Due to this error by US Bank and their failure to assist me, I have closed the checking/savings/debit/visa accounts that I have had over 25years.

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 2021-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX exquifax XXXX report close accounts over 1000 days old and illegally sell accounts with a illegal collection process If u had a bankruptcy dismissal because U become permanent XXXX Closed account that was sold dismiss payed off still get reported a reported collection account thats not yours just pop up at any given time How u argue with me like Im lying about a account that can not be verified I been apart of the credit bureau breach Its still not fix so I have to suffer for their breach as well as the daily problems We in a pandemic but they dont give a s Sad system main focus is to keep certain people permanently down How I supposed to apply for a house loan when credit bureau report closed account accounts that not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
1.Ive written and called Experian several times regarding this account. 
XXXX XXXX XXXX Account # XXXX Opened XX/XX/XXXX {$690.00} For the past year since XX/XX/XXXX Ive been calling and disputing this inaccurate account to no avail. I recently disputed in XX/XX/XXXX. Experian has since sent a letter that theyve been sending for the past year. 
2. They sent an email and letter stating that the account in question was verified and validated by the creditor, yet theyve neglected to furnish me with the proper documentation.

3. Ive contacted them 3 times over the past 3 weeks, to advise them to delete this invalid account from my report. Still no avail, Im Am now preparing to start litigation process against Experian This account has been removed from XXXX as well. 
4. Lastly, I have a fraud alert placed in my credit profile, that indicates that anyone who runs my credit profile needs to call me and that was never done .Ive reached out to Experian several times to advise them on unauthorized account access.

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 2021-09-25 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 — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP
State: AZ

Complaint narrative:
On XX/XX/2021 a fraudulent transaction was posted on my credit card for {$140.00}. I did not make this transaction and my email and address information has been changed so I never received a statement. When I found out on XX/XX/2021 because I saw that my credit dropped and saw what card was impacting me. I reached out and filed a dispute and updated my information. On XX/XX/2021 a letter was issue to me from card member service saying their research was completed that the claim I issued has been credited back to me and it was final. I received two late payments on my credit which had impacted my credit score but needs to be remove because it was a fraudulent transaction that took place on that credit card.

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 2021-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have a XXXX XXXX, XXXX, XXXX all reporting in my report as per 15 USC 1681 These companies had no authority and/or permission to report my personal information. They are violating TILA, CROA, and FDCPA laws. I am requesting that my credit file is updated and removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
There is a hard inquiry from XX/XX/2020. I have no idea where it came from and would like it removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I contacted Transunion on XX/XX/21 to inform them that XXXX & XXXX XXXX XXXX XXXX has never contacted orrepolied to me about the validation ofsoclled debt. 

Transunion told me on the phone that the debt was verified by XXXX & XXXX XXXX to them. I explained to them that I personnally requested Validation of the Debt by Certified/Return signature. So, they said they would investigate. But they did NOTHING!! 

After numerous calls to Transunion about the wrongful VALIDATION of my RIGHTS. I am now seeking legal assistance against Transunion.

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 2021-09-25 00:00:00
Product: Credit reporting, credit repair services, 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: NY

Complaint narrative:
I have a XXXX XXXX, XXXX, XXXX all reporting in my report as per 15 USC 1681 These companies had no authority and/or permission to report my personal information. They are violating TILA, CROA, and FDCPA laws. I am requesting that my credit file is updated and removed.

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 2021-09-25 00:00:00
Product: Credit reporting, credit repair services, 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: NY

Complaint narrative:
I have a XXXX XXXX, XXXX, XXXX all reporting in my report as per 15 USC 1681 These companies had no authority and/or permission to report my personal information. They are violating TILA, CROA, and FDCPA laws. I am requesting that my credit file is updated and removed.

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 2021-09-25 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital one called me an initiated a fraud investigation about a loan that was deposited into my account via the SBA that I was approved for forgiveness for. They proceeded to ask me for documents in regards to my XXXX Tax Paperwork which was not used to obtain the loan, my XXXX paperwork was. I find this to be discriminatory as a friend of mine whom is also a business owner and banks with capital one was not subjected to anything.

Company response to consumer: Closed with explanation