vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/2023 I began to purchase some airline tickets from XXXX XXXX. At check out an advertisement to apply for a Chase credit card stating could use for the purchase to receive a {$200.00} credit after {$500.00} purchase. I applied for the credit card knowing I have excellent credit and background. I also applied with the absolute intent of using it for airline purchase. After approval of credit card I was notified that I could not use the card for this purchase and was redirected back to the XXXX checkout and was required to use a completely different card of my own. I called Chase to see what they can do and was told there was nothing that can be done. I stated there were only XXXX options in my opinion. Give me the information needed to purchase the tickets as advertised or make it as if this debacle never happened. Was told ( rudely by one ) there is nothing can be done but cancel the card because I would have needed the physical card to make the purchase. Everything about the scenario came across as a bait and switch. I then asked the card to be cancelled and notify credit bureaus to rescind the hard pulls. Was told that this could not be done as well because I applied. I responded I applied under pretense of using card after approval ( as advertised ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have consistently ensured my payments are made on time, with no instances of being late. It is entirely unacceptable to see late payments noted on my account, and I vehemently request that you promptly correct this mistake. Please take immediate action to rectify my account and guarantee its accurate reflection of my payment history.

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 2023-10-11 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: SC

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. 
Account name : # XXXX, Account number XXXX name : XXXX XXXX has violated my rights. 
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 2023-10-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Hello, I am aware I have a Daily Simple Interest Loan & I understand how that works/means ... for my XXXX XXXX XXXX XXXX. I have paid my monthly payments early since day 1to minimize the total amount of interest I pay for the life of the loan. I paid my XX/XX/XXXX payment in XX/XX/XXXXXXXX  which means I am paid ahead my next payment was not due again until XXXX which I paid on XX/XX/XXXXXXXX  this payment in the amount of {$770.00} was paid online and scheduled as the XXXX Payment. Capital One applied it as an interest only payment and will not reverse it and apply it correctly as intended as the XX/XX/XXXXXXXX  payment. I am being told the interest had to be bought current. However, what I don't understand is why am I being penalized and being charged compounded interest by paying early I have requested these monies be reversed and reapplied correctly as a regular monthly car payment as intended and they have refused to apply them correctly I have paid this loan early and never been late or missed a payment I only want what is fair how can they take my XXXX payment and apply it to interest when I was paid 2 months ahead in my payment obligation. Please help I do not have XXXX to just give away to Capital one and receive no benefit of my hard earned $ when I am paid ahead... Any assistance you can provide is greatly appreciated... Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2023-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have fraudulent accounts on my credit report, which I reported to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, yet they are not removing these fraudulent accounts. They have no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt, yet XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has refused to do this. The following is the fraudulent account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have had an IRA account with Truist then Sun Trust for the past XXXX years. I opened the account through an employer, and at that time, it was with Sun Trust. I used to receive my statements until XXXX. About a month ago, I contacted them to transfer my money out of Truist, and they advised me to create an online account to have access to my funds. I created the online account on XX/XX/XXXX, and clicked on 'Documents ' to get my statement. However, I received an error message saying, " Service Unavailable. The service you are attempting to access is currently unavailable. Please try again later. If the problem persists, please call XXXX ( XXXX ). '' I called Truist customer service, and they told me to contact the local branch as my account was with them. When I called the local branch, they informed me that the system should be up soon. However, even after XXXX months, I am still getting the same error message online. 

I called Truist again, and this time, they told me that they don't know which local branch my account belongs to and gave me the number of the headquarters branch. Unfortunately, there was no option to speak to a real person. So I called customer service again, and they informed me that they do not provide IRA statements online, and I would have to wait to receive them by mail. They also told me that they would need to learn which local branch my account belongs to. Once again, they gave me the number of the headquarters branch, but there was no option to speak to a real person. 

I am seeking assistance in getting a statement to transfer my money from Truist to another institution.

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 2023-10-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Please swiftly correct this mistake and ensure that my account accurately reflects my history of making payments on time

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I earnestly request that you eliminate this from my credit report as it is not associated with me and is entirely fraudulent.

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 2023-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is 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 explanation
Consumer complaint received 2023-10-11 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: FL

Complaint narrative:
Please remove unauthorized/fraudulent credit inquiries from Experian credit report. 

XXXX  XXXX XX/XX/2023 XXXX XXXX XX/XX/2023

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 2023-10-12 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: GA

Complaint narrative:
I want the company to remove the fraudulent inquiries in 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 2023-10-11 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
We were completely misinformed by their sales representatives when we went to the sales presentation. They lied to us about the availability, the ease of booking and the money we could earn by renting out the timeshare. We felt rushed and pressured into signing the contract and we were signed up for a credit card without our consent, we just thought they were running our credit for the timeshare purchase, not to open a line of credit! 
We cant find any place/time to book a vacation and their customer service is completely useless, as all we are told is to just book somewhere else. This is completely unacceptable and we no longer want to be associated with them or their timeshare program. We are requesting any necessary paperwork to cancel this contract and refund any money that is due to us. We will no longer be held prisoner by this scam of a product. Their sales representatives intentionally lied to us to get us to sign up for this program and we want to be released from any further liability.

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 2023-10-11 00:00:00
Product: Credit card — Store credit 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
To provide you with a comprehensive account of the situation, I would like to detail the sequence of events surrounding the return : XXXX. I had order the items mentioned above, which were delivered together in a single box. 
XXXX. After receiving the order, I realized that the XXXX pairs of sneakers did not fit correctly, prompting me to initiate a return request via the Target XXXX 
XXXX. Target issued a separate XXXX return shipping label for each of the sneakers, resulting in XXXX separate return packages. 
XXXX. I dropped off both return packages at my local XXXX XXXX XXXX XXXX, Post Master located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, CA XXXX. 
XXXX. The XXXX tracking number associated with this return is XXXX XXXX. XXXX of the packages that was associated with this return was successfully delivered and refunded however, the return associated with the XXXX shoes was never received nor updated. There is no updates for the tracking number from XXXX. Nothing. 
XXXX. I have reached out through the chats, attached in here, no resolution. 
XXXX. I attempted to dispute, the call center representative was talking to me with disgust. I asked her what we can do she said she is going to have to transfer me to target XXXX 
XXXX. I got connected with Target XXXX and they just started they will not be able to do the return, because they never received the item, and the only optio I have is to dispute the charge, and when I informed him I had already called to dispute and the lady refused to help, yelled at me and XXXX transferred me to him, he said he will be disconnecting the call.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Contacted Equifax regarding my online Equifax profile listing an account that I've never seen before. Meanwhile, literally all of my tradelines and student loans are completely missing from my profile. The representative that was helping stated that she did not see the account that I was mentioning listed on her screen and tried to create a new profile for me and an error code kept popping up. Not sure if there is fraud going on, but she was unable to create a new account for me and ended attempting to transfer my call to their IT dept for further assistance and no one answered. She then provided me with XXXX # XXXX for reference promising that I would receive an email once a new account is created by IT. As of today I have not received any updates or communication regarding this very concerning issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have fraudulent accounts on my credit report, which I reported to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX yet they are not removing these fraudulent accounts. They have no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt, yet XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has refused to do this. The following is the fraudulent account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.

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 2023-10-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The data on my credit report has not been refreshed since XX/XX/2023, and we are now in XXXX of the same year. This outdated information does not accurately reflect my current financial situation, and it may impact my ability to make important financial decisions.

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 2023-10-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I have a bank of america checking account and credit card. Approximately 6 months ago, I transferred {$20000.00} from my XXXX investment account into my checking account which I intended to then transfer to pay off my credit card at Bank of America. Bank of America immediately placed a hold on my {$20000.00} deposit so that I was unable to transfer it to pay my credit card. I called and was told I needed to go in person to the bank. I did so the following day, to the XXXX, WA branch and was told I needed to come back the following week when a specific manager in the fraud department was available by phone. When they mentioned fraud I immediately checked my account and saw no fraudulent activity whatsoever on my checking or credit account. I returned the following week and was questioned by the bank fraud manager on the phone, XXXX, about some of my past purchases and whether they were valid. My daughter was in the room with me answering questions as well as the credit card account is a joint account with her and I and has been for many years. They asked multiple questions about various charges which I answered and was told by XXXX that they would be releasing the funds shortly. To date, the funds have still not been released and it is over 6 months. I still receive my pension amount in my Bank of America checking every month however Bank of America has blocked my credit card and debit cards so that I can not use any of my money that I continue to receive. In order to use my money I was logging on to transfer money to my daughter 's account and getting it from her. Now Bank of America has blocked access to my online account. I have tried calling XXXX multiple times but have been unable to get a hold of her or anyone who is able to help me. I call the general number and am told they can not help me and I need XXXX specifically. I am XXXX and need the money that Bank of America is blocking. Again, Bank of America still to this day has not released the hold on the {$20000.00} and I do not know what to do to get the money back. As a result of the hold of this money, I can not pay off my credit card with Bank of America and they continue to issue extreme fines which is costing me thousands. Yet they refuse to release the hold on my own funds so that I can pay it back. I have no idea what to do, and now I am even unable to access my pension money to live.

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 2023-10-11 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
Please help, Navient has violated my rights. I never authorized any changes to my account. I was also never made aware of any changes being made to my account. Please note that I am not their only victim, as Navient is being investigated by the federal court for their fraudulent practices. My consumer rights are being violated, please remove the accounts listed below from my credit reports immediately. I have a history of excellent credit. This company is trying to take advantage of their customers, and I am seeking your help as they are randomly making changes to the below listed accounts without my content, or without notifying me about any changes. Random increases of interest rates at amounts that are purely fraudulent, they NEVER discussed any changes with me! They went from and interest rate of around 3 % to now 10 % in one year!! None of it makes sense, all in one year! As I did my research I learned of their fraudulent acts and how they are now under investigation for their crimes. They are a fraudulent company and they are currently being investing for their criminal acts.This complaint is for the following accounts with the fraudulent Navient company... 
Navient Account # 's... 
XXXX XXXX XXXX XXXX Please remove all of the above accounts from my credit report as my rights have been violated this year. Please remove these accounts immediately. 

Thank you for your help, XXXX XXXX XXXX

Company response to consumer: Closed with explanation