vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-20 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/2021, I returned my online ordered items to Macy 's store in XXXX XXXX XXXX and was issued with a gift card in the amount of {$170.00}. and early this XXXX when I attempted to use it and found was locked by Macy then I made 5 phone calls ( 2 from home and 3 from the store ) plus 2 emails since XXXX trying to get this gift card unlock ; every time when I called, every customer service at the gift card department I spoke with, promised will get it unlocked after 7 to 10 days but it's still not being unlocking until now. 2 emails sent to their gift card department XXXX also never get a single response. when I attempt to resolve this issue with Macy they gave me a case number which is 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 monetary relief
Consumer complaint received 2022-08-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XX/XX/XXXX XXXXXXXX XXXX  XXXX {$3200.00} XX/XX/2015 XXXX XXXX XXXXXXXX XXXX {$1900.00} - $ XXXX {$500.00} I SENT POLICE REPORT AND CALLED COMPANIES WITH LAWYER SEVERAL TIMES

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America is stating that Im behind on my mortgage. This is dating back to XX/XX/XXXX. Yes I have been dealing with this for 16 months. Just yesterday I get informed that my 1st payment after my forbearance was due in XX/XX/XXXX. This absolutely absurd and the first time Ive heard of this. If this really was the issue why was this not said to me over a year ago. I have a letter showing my payment to to start in XXXX of XXXX. I dont know what the heck is going on XXXX there. I need to purchase a car for work and this is getting in the way. Shame on BofA for not getting their act together and for putting customer through this torment. I will provide the letter and also email communication.

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 2022-08-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
Someone tried to apply for a credit card thur Synchrony Bank for a Walgreens credit card. I pretty well know who the offender is, just proving that will be my only problem.

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 2022-08-20 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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 XXXX  XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX  Account number XXXX Original creditor XXXX XXXX XXXX Account number XXXX XXXX XXXX  XXXX Account number XXXX XXXX XXXX Account number XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account number XXXX Original creditor XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Account number XXXX Original creditor XXXX XXXX XXXX XXXX Account number XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX  Account number XXXX Original creditor XXXX XXXX XXXX XXXX XXXX Account number XXXX Original XXXX XXXX XXXX XXXX  XXXX XXXX. 

XXXX XXXX XXXX Account number XXXX Original creditor XXXX XXXX XXXX XXXX XXXX Account number XXXX Original XXXX XXXX XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX Account number XXXX Original creditor XXXX 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 2022-08-20 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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 XXXX  XXXX Account number XXXX XXXXXXXX XXXX XXXX  Account number XXXX XXXX Account number XXXX Original creditor XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account number XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX  Account number XXXX Original creditor XXXX XXXX XXXX XXXX  Account number XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX  Account number XXXX Original creditor XXXX XXXX XXXX XXXX XXXX  Account number XXXX Original creditor XXXX XXXX XXXX XXXXXXXX XXXX. 

XXXX XXXX XXXX Account number XXXX Original creditor XXXX XXXX XXXX XXXX XXXX Account number XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX Original creditor XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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 XXXX XXXXXXXX Account number XXXX XXXXXXXX XXXX XXXX Account number XXXXXXXX XXXX Account number XXXX Original creditor XXXX XXXX XXXX Account number XXXX XXXXXXXX XXXX XXXXXXXX Account number XXXX XXXX XXXX Account number XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account number XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX Original creditor XXXX XXXX  XXXX XXXX  Account number XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX Original creditor XXXX XXXX XXXX XXXX XXXX Account number XXXX Original XXXX XXXX XXXX XXXX  XXXX XXXX. 

XXXX XXXX XXXX Account number XXXX Original creditor XXXX XXXX XXXX XXXX XXXX Account number XXXX Original creditor XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX Original creditor XXXX 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 2022-08-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
On XXXX XX/XX/2022 I received a text from Capitol One stating that they believed I may be the victim of fraud and that we should contact them at a number given in the text. I choose to call them using the number on the back of my credit card and was referred to the Fraud Department. They asked for and I provided the normal proof of identification, to wit, credit card number, address, zip code and last four of my SSN. Then they said that they needed a photo ID and would send me a link where I could send a photo copy of my Drivers License. I had never heard of this before and stated that I would not do that. I didn't have to provide a drivers license to get the the card, nor had I had to provide a copy of my drivers license in the past when I had been the victim of Identity theft with Capitol One. The person basically stated that without the Drivers License they could not move forward. They would not tell me what the suspected fraud was, what the amount was or give me any information that would help me determine if it truly was fraud. Capitol One has locked the account and will not move forward to any resolution until I provide them with a photo copy of my drivers license. I have been their customer for over 25 years and think this is a blatant attempt to obtain information they don't need.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SANTANDER HOLDINGS USA, INC.
State: MA

Complaint narrative:
I sent an email to Santander notifying them that I had changed hazard providers on XXXX and provided them with a copy of the evidence of insurance and paid in full binder. I received a letter from Santander on XXXX stating that they had received my new insurance information and sent payment to the provider. I called and spoke with XXXX who told me that they would put a stop payment on the check and reimburse my account since it was already paid in full. Once complete, he was supposed to send me an email. I just looked at my account details and something is amiss. My account makes no reference to the funds that were disbursed to my previous hazard provider on XX/XX/XXXX in the amount of {$1900.00}. In addition, the incorrect disbursement to the new provider on XX/XX/XXXX, which was supposed to be reversed, is still present. Also, the refund from my previous provider is noted as received on XXXX amount of {$1700.00} ; however, my agent informed me that the refund sent to Santander was for $ XXXX leading to a {$10.00} discrepancy. I would like my escrow account audited for accuracy, with a full account of debits and credits sent to me. In addition, since I paid for my current hazard policy in full, and Santander has received a refund for my previous policy, I would like an escrow account analysis completed with the overage sent to me. 

I previously submitted this complaint and Santander responded that this does not belong to them. I pay my mortgage on Santander banks website. My statements come on Santander letterhead. When I call, they answer Santander Bank. I know Santander hired dovenmule to sub service for them but they are the master servicer and are ultimately responsible.

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 2022-08-20 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
I do not claim this debt, but reached out to the company via a letter sent six months ago in order to settle the debt and get it deleted from my credit reports. I have not heard back from them via a letter or phone all in order to solve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have reached out to all the credit reporting agencies such as XXXX, XXXX and Equifax and tried to dispute the over {$1900.00} claimed on my credit report that I owe XXXX XXXX XXXX. Just recently I've tried to get this erroneous fraudlent debt removed. The credit bureau agencies kept saying per XXXX this debt is valid and true. I have always maintained my stance this is not True. I have been failed by the system. I have been fighting this for over 3 years. Its affected my quality of life renting apartment paying outrageous deposits, higher interest rates etc. Finally just this year XXXX XXXX XXXX managed by XXXX XXXX XXXX have admitted to the error that it was a Giltch in their system. This error was listed on my credit XX/XX/XXXX they claim the error was found XXXX but as late as XX/XX/XXXX XXXX claimed I owed over {$1900.00} even though it should be {$180.00}. It makes it seems like this was a deliberate violation that everyone is cohoots with. How can this happen? I thought all debt were to be validated. I want the bill to be completely expunged for my pain and suffering. See complaint # XXXX where the XXXX of XXXX claims it can take up to over 90 days to correct this items with the credit bureau XXXX This is slanderous, devious and Not right at all. I want this debt immediately removed from my credit. The credit bureau need to have better business practice to safeguard consumers. I will go to the Attorney General Office to file a complaint against all the Credit reporting agencies and seek further guidance what my rights are from a Attorney. How did the original creditor find the discrepancy in XXXX and Nobody knew.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
I attempted to make my monthly payment on XX/XX/XXXX from my linked XXXX account. I received a notice that the payment was returned but with no explanation. I attempted again the next day to make a payment from my linked bank account and it was returned. I called and spoke to customer service and they said it was an unknown error and suggested I unlink/relink my XXXX account. I attempted to do so but couldnt get them to link back up. Another strange error. The late fee was waived but no explanation of why the payment was being returned. I finally just used the IVR phone system and paid. While it was a different account I still never received information as to why my attempted payments were reversed. 
I then received a letter from PayPal credit on XX/XX/XXXX stating they were asking the credit bureaus to delete any delinquency from XX/XX/XXXX - XX/XX/XXXX. Ive never been anywhere near 30 days so Im concerned why I was receiving this letter.

I then accessed my account today and there is a statement on the app saying my PayPal Credit account has been closed. There has been no notice or other information provided as to why this occurred.

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 2022-08-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
I CANCELED the XXXX XXXX  policy effective XX/XX/2022 due to losing my job on XX/XX/2022. 
Payments for this policy were always made through the XXXX  XXXX website and I never signed a document authorizing XXXX  XXXX for automatic debit. XXXX XXXX debited {$450.00} on XX/XX/2022 to my Bank account without being authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
I call the number twice XXXX XXXX, not helping ( The said an investigation but I assuming they are the one who address opened up in my credit report with/or XXXX. This number is refence in twitter in the official Ask Citi account. Info : Ask Citi @ XXXX XX/XX/XXXX Replying to @ XXXX Our escalations team would like to you to call this number : XXXX between XXXX ET for proper verification. XXXX  This is the disputed address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX, is not mine. Account info : BEST BUY/CBNA XXXX {$3600.00} {$37.00} Dispute Account Information Address XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, SD XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Revolving Account Loan Type CREDIT CARD Date Updated XX/XX/XXXX High Balance {$3600.00} Credit Limit {$4000.00} Pay Status Current ; Paid or Paying as Agreed Terms {$37.00} per month ; paid Monthly

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 2022-08-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have reached out to all the credit reporting agencies such as XXXX, Experian and XXXX and tried to dispute the over {$1900.00} claimed on my credit report that I owe XXXX XXXX XXXX. Just recently I've tried to get this erroneous fraudlent debt removed. The credit bureau agencies kept saying per XXXX this debt is valid and true. I have always maintained my stance this is not True. I have been failed by the system. I have been fighting this for over 3 years. Its affected my quality of life renting apartment paying outrageous deposits, higher interest rates etc. Finally just this year XXXX XXXX XXXX managed by XXXX XXXX XXXX have admitted to the error that it was a Giltch in their system. This error was listed on my credit XX/XX/XXXX they claim the error was found XXXX but as late as XX/XX/XXXX XXXX claimed I owed over {$1900.00} even though it should be {$180.00}. It makes it seems like this was a deliberate violation that everyone is cohoots with. How can this happen? I thought all debt were to be validated. I want the bill to be completely expunged for my pain and suffering. See complaint # XXXX where the Director XXXX  XXXX claims it can take up to over 90 days to correct this items with the credit bureau XXXX This is slanderous, devious and Not right at all. I want this debt immediately removed from my credit. The credit bureau need to have better business practice to safeguard consumers. I will go to the Attorney General Office to file a complaint against all the Credit reporting agencies and seek further guidance what my rights are from a Attorney. How did the original creditor find the discrepancy in XXXX and Nobody knew.

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 2022-08-20 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: Navient Solutions, LLC.
State: FL

Complaint narrative:
Hi, I cosigned for a student loan with my father in XXXX ( yes, nearly 20 years ago ) which now shows as Navient ( it may have been Sallie Mae at the time ). This has recently ( this month ) shown up on my report for the first time dropping my score by over XXXX pts. This account is far too old to be on the report ; i have disputed w/ all 3 bureau and nothing has happened to removed them ; they were thus far both completed and did not change nor was the mark removed ( account ). My father had this removed in XXXX and i am kindly asking that mine is removed as well as soon as possible. Thank you so much for your help. I'm not where else I can go for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I filed a claim with Bank of America whom I have banked with for many years and have a preferred relationship with on XXXX. 

The purchase in question was made in XXXX of 2021 of {$350.00} with XXXX XXXX, a XXXX contractor who replaced a collapsed return line underneath my home. 

In XXXX, occupants of the home notified me of XXXX trouble that culminated in a replacement of the unit and a discovery of substandard install duct work that caused the line to collapse within 6 months of the replacement. The contractor who replaced the unit and line identified poor installation performed without ziplines, straps, and the presence of XXXX tape that caused the duct to collapse and XXXX in on itself. The resulting damage was {$500.00} for a new line and {$4300.00} for a new XXXX unit despite the old one only being XXXX years old. 

After working with the contractor, he simply pushed the claim stating it had been six months and that the tape was likely from an XXXX specialist. Since XXXX XXXX denied any responsibility for poor install as alleged by the XXXX contractor and independent review of pictures provided, I went ahead with Bank of America to file a claim. 

On XXXX, I received a claim letter dated XXXX with instructions to send in a detailed letter of my claim with supporting information no later than XXXX. I compiled a letter, invoice, sales receipt, pictures, text exchanges, contractor contact info, and testimonies and sent a fax on XXXX which was confirmed to be received that day. 

Bank of America on XXXX sent me an automated message to check the online claims portal and after checking, I found the bank had simply provided me a generic claim denial letter dated XXXX stating the charge was 'outside of their processing times, the physical location of the good/service, and attempts to resolve with the merchant. ' The letter concluded that I should simply resolve the issue with the merchant. 

Given that these reasons are opaque and generic, I have lost faith in Bank of America to back my purchases for goods and services against merchant malfeasance/misfeasance. Also questioned is whether Bank of America received my fax and if they did, a thorough review was completed of the information I provided. I tried calling on XXXX and simply was told that this department in question was closed and to try again Monday.

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 2022-08-20 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: MI

Complaint narrative:
I recently checked my credit report and noticed a number of inquiries that was made by me. I reached out to the credit bureau and disputed the accounts letting them know that my identity was stolen nothing was done I've also .submitted a complaint with identity theft .gov XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX ( Auto ) XXXX XXXX ( Auto ) XXXX ( Finance ) XXXX ( Bank ) XXXX XXXX XXXX ( Auto ) XXXX ( Bank ) XXXX

Company response to consumer: Closed with explanation