vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-21 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I signed up for a payment plan to buy a piece of furniture with Rooms to Go. Without my knowledge or consent, they signed me up for a store credit card which was how the debt was to be paid After I received my first bill, I immediately enrolled in autopay. Despite my efforts to set up automatic payments, I received a late payment notice. I confirmed my enrollment and then tried to reenroll in autopay to confirm. Then I continued to receive more late payment notices and late fee assessments. After I tried to correct the issue, I ultimately decided to just pay off the debt in full to avoid any further hassle with the company. I believe the company has effectively stolen {$66.00} from me through late fees that were assessed as a result of their own unreliable autopayment system. I spoke with a customer service representative today XX/XX/2023, and she confirmed that this is a common compliant she hears from customers. 

It appears that, at best, Rooms to Go/Synchrony bank is knowingly assessing and collecting late fees from missed payment caused by their own system.

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 2023-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
In XXXX of XXXX, my bag containing personal items and documents such as my phone, my agenda with bills and account numbers, my social security card and my wallet with all my cards. Since then, the thief has done horrendous things to all my accounts ( at the time they were active but now they're closed ). 
I am a victim of Identity Theft. The thief took over all my online banking profiles. I honestly had to close everything and start from XXXX. 
Chase has been really hurtful and rude throughout this entire process. First, when I originally explained to them that although I've made one or two claims, the rest wasn't me and that I did not file any claims, they wouldn't listen. They would laugh, make sarcastic remarks, and be as condescending as possible. 
Finally, Chase decided to end their banking relationship with me indefinitely and I believe that is completely unfair. 
I have so many supporting documents/proof that proves my innocence and they don't even have the decency to accept any of it. 
My last call, the rep sounded visibly annoyed and said " well... you've done claims before right? so it's kinda right '' and I just think that's totally unprofessional. Chase is also reporting inaccurate information to XXXX XXXX XXXX which is a CRA therefore FCRA laws are in place. 
They have also held my money against me and have not made it simple for me at all. 
Please fine them and have them get proper training to avoid future mishaps.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 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: NV

Complaint narrative:
On XX/XX/XXXX, I contacted Citi Bank and requested to be connected to their fraud department after noticing three fraudulent charges on my account. The charges occurred on XX/XX/XXXX with XXXX XXXX XXXX  in XXXX XXXX XXXX CA , amounting to {$1400.00}, on XX/XX/XXXX with XXXX XXXX totaling {$430.00}, and on XX/XX/XXXX with XXXX XXXX XXXX in NY for {$39.00}. The {$39.00} charge was promptly removed, and a dispute was filed for the other two charges. While awaiting a response to my dispute, I discovered another pending fraudulent charge on my account. I immediately contacted Citi to cancel the pending charge. Despite being assured that a new card would be sent and the old one closed, the fraudulent charge remained pending. After numerous calls to Citi Bank throughout XXXX and XXXX, the charges were finally reversed in XXXX. However, in XXXX, I received a letter from Citi regarding my dispute. According to the letter, the merchant provided documentation affirming the validity of the {$1400.00} fraudulent charge ( XXXX XXXX XXXX ), and the charge was reinstated on my account. Upon reviewing the documentation, I found compelling evidence on the first page indicating that the charge was indeed fraudulent. Specifically, the email address associated with the purchase differed from my valid email address, which I confirm on every call to Citi Bank. Additionally, the IP address on the purchase did not match my home address in XXXX XXXX, NV, showing XXXX, California. I am urgently seeking assistance in removing the fraudulent charge of {$1400.00}, confirming the illegitimacy of the {$430.00} charge, and obtaining a refund to close my account. I no longer have confidence in the security of my information with Citi Bank. 

Citi Bank responded to my original complaint with a letter that they were going to take care of it. It has now been 3 weeks. My account is currently past due, and I am being asked to settle a substantial minimum balance to bring it up to date. Despite being informed of fraudulent charges being removed three weeks ago, they have not been removed, resulting in my account being in the red due to the delayed resolution process and my credit being ruined. 
According to previous communications, I was assured that I wouldn't be obligated to make any payments until the fraudulent charges were resolved. However, nearly SIX MONTHS after the occurrence of these charges, they remain on my account unresolved. This situation has left me hesitant to proceed with the payment, as the promised resolution has not been fulfilled.

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 2023-12-21 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: FL

Complaint narrative:
15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2023-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Second notice of complaint and lawsuit and opportunity to cure. 

remove accounts XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-21 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: FL

Complaint narrative:
In accordance with the Federal Credit Reporting Act ( FCRA ) this creditor has violated my rights. 15 U.S Code1681 section 602 states I have the right to privacy, 15 U.S Code1681 section 604 states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S Code 1666 section b, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2023-12-21 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: FL

Complaint narrative:
In accordance with the Federal Credit Reporting Act ( FCRA ) this creditor has violated my rights. 15 U.S Code1681 section 602 states I have the right to privacy, 15 U.S Code1681 section 604 states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S Code 1666 section b, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2023-12-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LD Holdings Group, LLC
State: WA

Complaint narrative:
We have a XXXX Mortgage with Loan Depot, We received funding from WA State to help us catch up on our mortgage payments. I have a debilitating illness and have been unemployed so we were running short on income. We paid the mortgage but sometimes was late but only for last few months. We finally caught up. Meanwhile we applied for help with Wa State, Wa State gave the lender funds to apply to the mortgage ONLY which would have brought us up to cover more than half of XXXX. Our Lender applied the addition funds to escrow instead, stating we were behind on escrow for the amount they took. We have NEVER been behind on escrow, every month our escrow and insurance and taxes is included in our mortgage payment. On every monthly statement there shows an actual credit in the escrow after the mortgage payment is received.They claim they are justified in keeping the funds and now expect us to pay XXXX in full on our own and they will keep the additional funds in escrow. We ask them to provide proof where the escrow was owed and they're giving us the runaround. This company has also tried to make our payments late by refusing our payment even when it was on time. When we were behind we applied for hardship assistance through Loan Depot first and they denied us because they said XXXX doesn't allow Hardship assistance on their mortgage accounts. They told us all we could was to quick XXXX the home over to them. We can not afford to refinance with another bank because our mortgage payment would end up trippling because right now our interest is at 2.9 % fixed. Every other loam would increase up to 6 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 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: IL

Complaint narrative:
We bought a couch from XXXX XXXX back in 22. They had some shipping delays or do they claimed. We were patient and agreed to the delivery date of XXXX, 2022. They never showed up, called or communicated in any form. I reached out to them and they kept delaying. I got suspicious and suspected I was scammed. I saw a news report and XXXX  reviews that the same exact thing was happening to other. I went to cancel my order and they said that they would refund once the bank contacted them. I disputed with Citibank. Citibank usually has great service and will send an envelope to my house or call if they need additional documentation. They did not do this. Nor was this ask posted to our account. We were credited the amount. 
Sometime later, we were charged back and admittedly we did not notice the chargeback. Later I resubmitted the dispute with the help of a bank manager because the system would not allow me to file it. I spent hours explaining the issue and asked over about 10 times why the chargeback happened, why we didnt receive the mailer asking for documentation, why they chose to believe the company over costumer and why they did not follow their normal procedures in communicating with costumers. The company still acknowledges that they owe us money, I provided ample documentation that they do and Citibank kept pushing the second dispute date forward in time. They also do not give us information regarding the statute of limitations regarding dispute times. 

The bank manager gave me great hopes that this would be resolved and I spent many hours communicating with various departments and uploading documents. It would have also been nice to know that if all parties at that time would have told me it was a total lost cause. Not one person in management or the credit cards dispute department did. They left me hanging another 3 months now thinking it will be resolved. I just called and the case will not go in my favor when they knew that all along, months ago. As I stated, on their system, the second dispute date is XX/XX/XXXX of this year but that is not accurate either. I called way before that, they just would not upload the case. 

I have never had their experience.

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 2023-12-21 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: IL

Complaint narrative:
I am following up on a previous dispute that was filed in which I requested that multiple accounts listed on my credit report be validated and I was specific asking for documentation that was used to determine the account to be valid. If there was no validation or documentation provided then by law the account was to be deleted. Experian failed to provide either the proof of validation or deletion of the account. They are now liable for damages under the law for willful non compliance. 

So again I request that all information for the accounts listed below be provided in writing to me which includes but not limited to : the original contract with my wet signature, full transactional history from date of opening to present or closing of the account, any other documentation that was use to verify the account as being accurate. Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
file attached just want all incorrect info removed from my credit report please

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 2023-12-21 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: IL

Complaint narrative:
file attached just want all incorrect info removed from my credit report please

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 2023-12-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One Charged me a {$28.00} late fee despite being on autopay I contacted them via their silly AI chatbot with no help I need the {$28.00} late fee removed from my Capital One Credit card from XX/XX/ XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Im a victim of XXXX data breach my personal information was compromised credit cards where applied for in my name and sent to an address Ive never been associated with the only address should be on my account is XXXX XXXX XXXX XXXX XXXX ca 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 2023-12-21 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: Credit Karma, LLC
State: MN

Complaint narrative:
Recently, Credit Karma acquired the personal financial budgeting app/website XXXX. I and many XXXX users have spent XXXX years creating, monitoring, and adjusting our personal budgets on XXXX. When my XXXX account became part of Credit Karma, Credit Karma destroyed all of my budgets without a trace. These budgets were a vital part of my financial planning and represented many years of work product. Credit Karma never gave me an option to save or retrieve these budgets ; they simply and without any warning eliminated them. If you browse the reviews of the Credit Karma app, you will find many consumers with the same complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: TX

Complaint narrative:
I HAVE DISPUTED 3 LATE PAYMENTS WITH DISCOVER BANK. THESE PAYMENTS WERE ALL INITIATED BEFORE THE DUE DATES IN XXXX  AND XXXX BUT POSTED LATE DUE TO USPS DELAYS. DISCOVER BANK HAS FAILED TO CORRECT THE ERRORS AFTER MY DISPUTE. THE INCORRECT LATE PAYMENTS SHOULD BE REMOVED FROM MY CREDIT REPORT. 

XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 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: DC

Complaint narrative:
That on XX/XX/2023 I sent XXXX XXXX a notice to opt-out of credit reporting.

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 2023-12-21 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: DC

Complaint narrative:
That on XX/XX/2023 I sent XXXX XXXX a notice to opt-out of credit reporting.

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 2023-12-21 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: CA

Complaint narrative:
I am a victim of identity theft. I've recently checked my credit report from XXXX and TransUnion and I was shocked to see a previously deleted fraudulent account was reinserted back to my credit file. The XXXX XXXX fraudulent account was disputed and deleted in XXXX of XXXX ( please see the attached TransUnion dispute results ). However, XXXX and TransUnion credit reporting agencies reinserted the fraudulent account after a month without notifying me.

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