vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-09 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: GA

Complaint narrative:
This involves CitiCard dispute regarding a company called in XXXX, TX XXXX. 

Beginning in XX/XX/XXXX, XXXX outlined a list of deliverables to advertise the launch of my book, XXXX XXXX XXXX XXXX XXXX XXXX XXXX They charged me {$5000.00} and have not yet delivered on their promise. I have repeatedly asked for refunds and they keep giving me the runaround claiming that they will deliver. I requested a refund in XX/XX/XXXX, and XX/XX/XXXX. 

The most recent communication from XXXX was to attempt to convince me to turn over my log-in credentials for XXXX and XXXX XXXX XXXX XXXX claiming they wanted to provide additional support at no charge. This was a month after attempting to offer me another promotion costing {$1200.00} with the promise I could recoup some of the {$5000.00} because the new promotion would heighten the exposure of my book and increase sales. 

Now mind you, they have not completed the deliverables I paid {$5000.00} for and what they offered on the invoice contract. It was obvious to me that they were attempting to steal my personal and financial information. 

Rather than investigate, Citicard responded that they had no say so in how much a company charged me for services. I responded by saying that out of a list of XXXX deliverables, they gave me XXXX and no follow-up. 

I called CitiCard again in XXXX and XX/XX/XXXX and spoke to a real person who said they would escalate the matter. Nothing has happened and they continue to ignore me. I sent them XXXX pages of email communication between me and this company but Citicard chose not to help me pursue a refund. 

As of today, this issue has not been resolved. I asked the project manager at bookadvertisers to speak to their boss or company manager- and I have gotten no response. I do not believe this is a legitimate company, and that they are scamming self-published authors like me out of lots of money. I even filed a complaint with XXXX, TX Better Business Bureau because this company is listed in XXXX but not a member of the XXXX 

The project XXXX at XXXX is : XXXX XXXX and the person who sold me this contract is 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 monetary relief
Consumer complaint received 2024-07-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: SOFI TECHNOLOGIES, INC.
State: MN

Complaint narrative:
On XX/XX/year> a personal loan through XXXX was finalized and documents were signed. SOFI requested a voided check be uploaded to verify the correct account for deposit of funds, which i had desired to be my long standing personal checking account, externally. My credit union provided me a XXXX XXXX form in lieu of a voided check, as i do not have checks on my account. My bank also supplied me a certified letter to verify account ownership, yet SOFI refused to accept the documents and I was forced to set up a checking account with XXXX to receive the funds, which i then had to transfer to my desired account using XXXX. 

The account i wanted the funds deposited into, is the same account that my automatic payments were to draw from, as indicated in the XXXX XXXX documents i completed with SOFI, yet, without my consent, this was changed to the new SOFI checking account, and has since resulted in a late payment.

SOFI used shady tactics to coerce me into setting up an account with their bank, and are now using the same shady tactics to coerce me into using this account, in what I believe is an attempt to defraud their funders and investors into thinking the bank has more transactions than is accurate. 

I have documented chats with SOFI support ensuring me that the account I listed was the account that would be drawn from, yet that was false, my bank has no record of an attempt ever being made. SOFI claims the payment was returned due to insufficient funds, which again is false as they never attempted the debit as they claim.

SOFI is dishonest, shady, and possibly fraudulent. They have lied to me on recorded lines several times and are actively working against me in my good faith attempts to pay my debt in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
My account with ( XXXX XXXX ) was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( XXXX XXXX  ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

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 2024-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I've made repeated efforts to correct the fraudulent, inaccurate, and misleading information on my consumer report, but the problem persists. These false entries have severely disrupted my life, leading to considerable stress and worry. I must emphasize that I never gave permission for this information to be linked to my name, as I am a victim of identity theft.

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 2024-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I've made repeated efforts to correct the fraudulent, inaccurate, and misleading information on my consumer report, but the problem persists. These false entries have severely disrupted my life, leading to considerable stress and worry. I must emphasize that I never gave permission for this information to be linked to my name, as I am a victim of identity theft.

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 2024-07-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
For years, I have been making payments from my XXXX XXXX XXXXXXXX account, which were posted instantly. However, after switching to XXXXXXXX XXXX, I have consistently experienced delays of over 7 days. My most recent payment, made on XX/XX/year>, is taking 17 days to post, causing significant inconvenience and financial strain. 

According to the information provided by Apple Card, " payments can be put on hold if youve paid using a new payment method or by check, or if youve previously made payments that were returned. In the future, payments made with XXXX XXXX are usually available immediately. '' None of these conditions apply to my situation. I have been using the same payment method ( XXXXXXXX XXXX ) for several months now, and there have been no issues with returned payments. Nevertheless, payments were not available immediately. 
These delays have affected my ability to fulfill financial commitments, as funds remain unavailable for an extended period. I have contacted customer service multiple times, but they have been unable to resolve the issue due to a lack of authority. 
The current situation is untenable, and I can not afford further delays.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from 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 non-monetary relief
Consumer complaint received 2024-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
This is the email I received on XX/XX/XXXX from a creditor that I have been with for close to 20 years. I have NEVER been late, have always made above the minimum payments ( with the exception of the last few months ) and because I charged {$500.00} for a boat rental, this email was generated. I immediately called and explained my distaste and how this was an unfair business tactic. Even though they did not demand the payment they gave me 3 days to come up with 25 % of my balance or else they will reduce my limit which will ultimately affect my credit. My limit was $ XXXX and they lowered it to $ XXXX because of what they found on my credit? They stated upon my phone conversation I was " using my card too much '' which is what flagged the account?? My limit is set to be used and as long as I am paying, what is the issue? I did read my agreement and it says " XXXX to some terms XXXX require 45 days advance notice, and we will tell you in the notice if you have the right to reject a change. We can not change certain terms during the first year of your XXXX membership. '' 3 days does not suffice for the advanced notice. 

XXXX below - As a responsible lender, were always monitoring our XXXX XXXX accounts. Based on what we know about your payment history, including payments made in relation to your current debt with American Express, as well as your credit scores and other credit bureau XXXX, your account is being reviewed for a possible limit reduction. 


What you can do Make a payment towards your balance to maintain your current limit we wont take the action stated above if you make a payment of {$3800.00} by XX/XX/XXXX. 

Heres how you can make a payment Log into your account to make a payment online.

Call us at the number at the back of your Card.

Make a payment through your Amex App. If you dont have the app, you can easily download it now.

Something to keep in mind Until the review is complete or a payment is made, you and any Additional Card Members may experience temporary disruptions to your spending.

Were here for you If you have any questions, feel free to chat with us online or in your Amex App, or give us a call at the number on the back of your Card. Were here for you XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 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: NJ

Complaint narrative:
Upon me reviewing my credit reports i notice a Collection Account that was fraduelent.

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 2024-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
My name is XXXX XXXX. Ive been with Wells Fargo when it was formally Wachovia bank. On XX/XX/year> I received a call from Wells Fargo stating there was fraudulent activity on my account. As I was speaking to rep I logged into my Wells Fargo app to check account, rep on the other ended proceeded to state they needed to verify my identity and sent me code. Once I provided rep with code I was locked out of my online account and started getting notification that XXXX transactions were being sent from my account, in the amount of {$770.00}. I immediately ended call and call the fraud department who proceeded to tell me that it was not a real agent and I was spoofed. I changed my account number, I also had to change my online banking user id and password since hacker locked me out of account. At this point XXXX being told that theres nothing that Wells Fargo can do about it since I provided rep the code that got my account hacked. I have since escalated this matter to corporate and still havent heard anything. The fact that an individual was able to call me from a Wells Fargo number and text me from a known XXXX digit Wells Fargo sms number and hack my information, tells me that there is a breach within the company. It is now XX/XX/XXXX and still no resolution and this is not being handled with urgency.

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 2024-07-09 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:
XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type XXXX XXXX Companies Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone number ( 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 2024-07-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: PA

Complaint narrative:
I have on multiple occasions ( starting in XX/XX/year> ) requested a refund of my {$5000.00} in payments made to Fed Loan Servicing ( myfedloan.org ) during the XXXX forbearance period to my current servicer, MOHELA. I kept being told " It is in process and wait another 90 days '' or similar each time I submitted the request to either studentaid.gov or MOHELA. Recently, MOHELA responded with a different answer of " Dear XXXX XXXX, Thank you for contacting MOHELA. This letter is in response to the secure email request, regarding the federally owned student loan currently serviced by MOHELA, a federal servicer for the XXXX Department of Education ( XXXX ), XXXX XXXX XXXX XXXX XXXX ( FSA ). You XXXX contact the XXXX XXXX XXXX ( XXXX ) at XXXX or through XXXX. Regarding your request, our records indicate that no further refunds are due. We have researched the prior servicer payment history that we received, and have determined that the large payments that were made to your account during the XXXX pause had paid off loans, and can not be refunded. If you have other questions or concerns, please contact us at the number listed below. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
We have a Home Equity Line of Credit through Truist Bank. About a year ago we locked this loan into a fixed rate instead of a variable interest rate. Over the last couple of months they continue to escalate our monthly fees with no warning to us. Our monthly statements actually say we owe XXXX each month, even though we have a balance of around XXXX. We have been paying $ XXXX to include the principal and interest which is above what we owed. When I logged into our account today ( where I can actually see what we owe each month ), I see they have raised our monthly payment over {$200.00} to {$1100.00}. I have called our local branch, and they tell me they can not explain this increase or help us that we need to call the main Truist loan number ( XXXX ) which I have done repeatedly. For the XXXX time this week, I've tried calling this bank today and I was on hold for over XXXX minutes. Someone finally answered and immediately hung up on me. How is this legal for a bank? My husband and I have repeatedly tried to contact this bank to ask what they are doing and they do not answer. Please let us know what protections exist for us and if a bank can just not speak with their customers.

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 2024-07-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Due to XXXX I was unable to make the full payment amount on the due dates given when I first got the car, when I called to see if I could be set up on a payment plan like my app had said the company gave me XXXX options, XXXX I could afford at the time and one that was too expensive to try as an option. When setting me up on the payment plan the company did not explain that I would be missing my current payments and the auto pay they set me up on was only for the missed payment from before which then caused me to miss even more and fall more behind, as well as not getting a single notification via email/text/call like I should have been given. When the repossession occurred the tow company came on to private property and was told he was not allowed to be here by the property owner, manger of the establishment on the property, vehicle owner, and the security guard in which the driver rolled his window up in each of their faces and went ahead with repossession. After already having the car the loan company and repossession company are being extremely difficult in trying to receive personal property from the car which in turn has very important documents in it since I had just started to move states.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 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: CITIBANK, N.A.
State: TX

Complaint narrative:
According to federal law, as a consumer I AM ABLE TO OPT OUT OF sharing my nonpublic personal information and Macys must give me that option. Macys failed to do so. Macys CBNA Credit Card Agreement wasn't clear, concise, or reasonable for me to understand. There is no such law that states anything needs to be reported to anyone. Congress declared that consumer reporting agencies have ASSUMED their roles.

15 USC 1681 SECTION 602 A. States I have the right to privacy 15 USC 1681 SECTION 604 A SECTION 2. States a consumer reporting agency can not furnish an account without MY WRITTEN INSTRUCTIONS.

15 USC 6801 Protection of non-public personal information States each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non public information Confidentiality : The legal and ethical duty to keep certain information secret and not disclose it to others without proper authorization. Confidentiality is a fundamental principle in various areas of law, especially consumer transactions. Breach of confidentiality can result in legal consequences and is governed by specific laws and regulations. The obligation to maintain confidentiality is critical to preserving privacy and trust in professional relationships and business transactions.

Furthermore this account is incomplete, inaccurate, and missing data which further violates the FCRA.

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