vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Weekly, I receive letters for balance transfers from Citibank. This includes a balance transfer letter received for {$7900.00}. I received a letter from Citi stating they are unable to approve my application based on information received from XXXX. I attempted to make contact with both companies and all I received were automated responses. I have worked hard to maintain my XXXX plus credit score. I have not received information that was used to deny my application. These companies are required to provide negative information that was used to deny my application for a balance transfer. For many years I have not been declined for any kind of card. 

This is a follow-up to 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 2023-11-14 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: PA

Complaint narrative:
On XX/XX/2023, I asked XXXX for a car insurance quote using their online system. Their quote was extraordinarily highover {$4000.00}, so I secured a policy from XXXX the same night. After receiving my XXXX statement from Citibank, I immediately disputed the charge and reported that I received nothing from XXXX, and why on earth would I carry two XXXX insurance policies? Citibank asked me to go to XXXX as part of the process. I did, but XXXX had no evidence of a policy or even evidence of the quote. I reported this back to Citibank, but Citibank reports it has no records of that, and it has closed the dispute. I just reopened the dispute once more, but I have no confidence in Citibank, and I am livid that Citibank referenced a credit report in the denial letter. So, how do I prove a negative? How do I prove that I did not receive an auto policy from XXXX? Citibank is not acting like my bank. Their failure to thoroughly investigate, and my torturous time on the phone has rendered nothing. There must be Fair Credit Reporting Act and Electronic Funds Transfer Act issues here. Please publish. Please help, because all I can think of is to send Citibank my XXXX XXXX XXXX XXXX, which really is circumstantial evidence. Its attached below. Thanks for your time.

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 2023-11-14 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: TN

Complaint narrative:
Kindly delete this incorrect account from my credit report. I never gave permission for its creation or use. I've attached the necessary documents to substantiate 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 2023-11-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ROBINHOOD MARKETS INC.
State: IL

Complaint narrative:
My phone was hacked on XX/XX/XXXX and an u authorized party used that access to connect my XXXXXXXX XXXX  account to my Robinhood account. Between XX/XX/XXXX and XX/XX/XXXX the thief tried to spend the money but XXXX XXXX blocked the transaction. The money remains in my Robinhood account. I have reporters the fraudulent activity to robi hood but they declined to return the funds to my XXXXXXXX XXXX account. They have blocked my access to remove the funds from my Robinhood account and they will not respond to any of my requests for assistance. I tried calling and emails and no reposonse.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I've never faltered in my commitment to timely payments. The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind. I respectfully ask for an immediate correction to my account and hope you understand the urgency of this situation.

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 2023-11-14 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: NY

Complaint narrative:
XX/XX/2023 - Purchased XXXX silver U.S. half dollar silver coins online from a vendor in XXXX XXXX, paying by Citicard XXXX in the amount of {$160.00}. When received, the items were discovered to be counterfeit. I verified this with a local coin and stamp dealer and got pictures of the counterfeit coins alonside a genuine half dollar coin. The counterfeits weren't even good copies. I contacted the vendor who offered me a partial refund, which I refused, as the merchandise was fraudulent. I contacted Citicard, who temporarily credited the funds back to my account. However, I received a letter from Citicard asking for documentation of the fraud, which I sent via U.S. mail. I then received another letter from Citicard indicating that my documentation had been lost or damaged in the mail, and thus the charge for the counterfeit goods would be reinstated to my Citicard. This reinstatment occured on XX/XX/2023, in the amount of {$160.00}. I called Citicard and was given an email address to resend the documentation, which I did. When I followed up with Citicard about one month ago, I was told that the dispute had been referred to the Citicard investigation team. I was told to recontact Citicare in two week 's time which I did two weeks ago. I was told to recontact them in two weeks, which I did today. I was again given the runaround, saying that the dispute would be referred to the investigation team. I believe sufficient time ( over one month ) has elapsed for this dispute to have been resolved. 

I hereby authorize the CFPB to contact Citicard on my behalf in reference to this dispute and for Citicard to supply all statements for the months of XXXX through XXXX, 2023, pursuant to this dispute to CFPB.

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 2023-11-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Affirm Holdings, Inc
State: VA

Complaint narrative:
XXXX XXXX back to back calls from telephone number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX left messages with each call XXXX XXXX calls from telephone number XXXX XXXX XXXX XXXX XXXX XXXX XXXX left messages with each call XXXX XXXX calls from telephone number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX; left messages with each call Calls are often from the same person who tries to disguise their voice by faking a XXXX XXXX  or will become more terse in subsequent messages.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
From the year XXXX to XXXX, I banked with Bank of America in XXXX and XXXX, Washington. In XXXX, Bank of America unilaterally closed my checking and savings accounts and terminated our relationship. The Bank claimed, and I agreed, that I had been the victim of fraud two times. 

Since the time Bank of America closed my accounts, there has been a warning associated with me that I do not understand, but I can not open a checking/savings account in a national bank, like XXXX or XXXX XXXX . These banks tell me there is a derogatory remark on my record and I want to challenge this. 

Bankers : Bank of America

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 2023-11-14 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: TX

Complaint narrative:
Dear Transunion I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX XXXX  Delete this account. 

2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXXXXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 

3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

4. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please update- All New Reporting Information to- paid as agreed and current 5. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX XXXX XXXX XXXX Delete this account. 

6. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX XXXX XXXX Delete this account. 

7. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 
8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete this account.

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 2023-11-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I've never faltered in my commitment to timely payments. The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind. I respectfully ask for an immediate correction to my account and hope you understand the urgency of this situation.

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 2023-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
In a previous complaint ( ID : XXXX, please see ID for additional information ) I had requested that Experian delete my account such that I am unable to sign in. Yet again, as with my previous experience with their customer service, I am misunderstood. I understand my free membership benefits were discontinued. That is not what I had requested. What I want is to not be able to sign in to my account online AT ALL, as I can still sign into my account and request actions such as freeze or unfreeze my credit. I do not want online access using my email whatsoever, as if I had never signed up at all.

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 2023-11-14 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: CA

Complaint narrative:
For the company to do what is fair and equitable to me as a consumer by removing the items identified as identity theft from my consumer 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 2023-11-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
XXXX advertisement on their website says I could get a {$200.00} ( XXXX XXXX XXXX  ) statement credit if I open a credit card, get approved and purchase a XXXX ticket with them and pay with the credit card, all was done, when I contacted the XXXX customer service, they said I should see the credit on the 3rd statement, Ive using the card for 6 months and never got the credit, called them many times and they keep pushing me around to different people, its matter of honor what they promised, thats all I wanted

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
I am writing to further address and elaborate on the concerns previously outlined regarding the Retail Installment Contract for my XXXX XXXX XXXXXXXX, purchased on XX/XX/2017. My review of the contract and the corresponding SEC Form 10-K filings of your company has revealed additional discrepancies that necessitate clarification. 

To reiterate, the initial agreement, as per the Retail Installment Contract, was between myself ( as the buyer and co-buyer ) and XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( the seller-creditor ). However, my post-purchase interactions have been solely with Regional Acceptance Corporation. This shift in dealing parties suggests a lack of transparency in the transaction. As a bona fide purchaser, I was under the impression of obtaining a vehicle loan, yet it appears the seller-creditor received payment through my security ( the retail installment contract ) and subsequently transferred their liability to me, benefitting all parties except myself. 

Furthermore, Section 2c of the contract states that all costs associated with the vehicle, including insurance, maintenance, and service, would be covered by this security. Contrary to this provision, I have personally borne these costs. This section also asserts that the security would cover all contract-related costs, yet I have been making these payments independently. 

Additionally, I have concerns regarding Section 3f, which outlines repossession procedures. It specifies that I would receive written notice prior to repossession, which did not occur. Moreover, the contract includes an arbitration agreement, yet no arbitration was undertaken prior to the vehicle 's repossession. 

Beyond these issues, upon examining the details pertaining to Regional Acceptance Corporation, an affiliate of Truist Bank, I noted an overlooked aspect. The original purchaser is ostensibly entitled to receive payment each time the security or contract is sold. I have not received any monetary compensation from the transfer of my security, which raises questions about the compliance with this clause. 

Lastly, I propose a resolution to give value to the original contract by endorsing it as " pay to the order of Regional Acceptance Corporation '' by myself, the purchaser. This action is intended to fulfill my end of the contract and effectively clear the liability balance from the contract. 

Your prompt and thorough attention to these matters is highly anticipated. Clarification and resolution of these discrepancies are crucial to maintaining the integrity and fairness of our agreement.

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 2023-11-14 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: TX

Complaint narrative:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

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 2023-11-14 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: LEXISNEXIS
State: AL

Complaint narrative:
I sent LEXISNEXIS a letter XXXX XXXX XXXX  stating I want my the bankruptcy deleted from my credit report because they violated my rights by reporting my personal information on my credit report. Due to bankruptcy clerk sent me a letter stating they dont report to the credit bureau nor agency. ( FCRA ) ( 15 U.S.C 1681 et seq ) I received a letter from LEXISNEXIS stating they deleted the bankruptcy but its not removed from my credit report. LEXISNEXIS stated they deleted it XXXX that it would be deleted from all credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: FREEDOM FINANCIAL NETWORK
State: IL

Complaint narrative:
Achieve Personal Loans is a prime example of using bait and switch tactics. They insisted my rates would be 10-18 % and could even be as low as 5.99 %, in order to pull my credit. I specifically told them I was not interested in anything over those rates and was promised they were accurate. XXXX, XXXX and XXXX have all agreed that this was a bait and switch operation. They are now ignoring my phone calls and giving me the run around as to what is going on. 

Thursday, XX/XX/2023 - XXXX XXXX : Received email regarding application - XXXX XXXX : Received email requesting Driver License, Voided Check and Paystub Within 30 Days Friday, XX/XX/2023 - XXXX XXXX : Received email regarding pre-approval - XXXX XXXX  : Received call discussing options and was told rates were between 10-18 % while on the phone with XXXX and XXXX XXXX. We agreed to move forward based on the information she gave us and specifically stated we did not want our credit pulled if it was going to be over the rate discussed - XXXX XXXX : Received email requesting documents again - XXXX XXXX : Received call from XXXX to go over options they had generated over 10-18 % - XXXX XXXX  : Received call from XXXX notifying us she was escalating the issue to XXXX - XXXX XXXX : Received email from Jade about escalating the issue to XXXX XXXX ( Manager ) Sunday, XX/XX/2023 - XXXX XXXX  : Called XXXX, left voicemail to call back - XXXX XXXX : Called XXXX, left voicemail to call back Monday, XX/XX/2023 - XXXX XXXX : Emailed XXXX asking for an update Tuesday, XX/XX/2023 - XXXX XXXX : Called XXXX, no answer - XXXXXXXX XXXX : Called XXXX, no answer - XXXX XXXX : Called XXXX, no answer - XXXX XXXX : Called XXXX, no answer - XXXX XXXX : Called XXXX, no answer - XXXX XXXX  : XXXX called back, told us she would escalate it to another manager

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
It is completely unjustified that I have consistently made timely payments for this account and have never been overdue. I kindly ask that you rectify my account to accurately reflect this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-14 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Dear Equifax I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXXXXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 

2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX XXXX XXXX XXXX Delete this account. 

3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX XXXX XXXX  Delete this account. 

4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

5. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX XXXX XXXX Delete this account. 
6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX XXXX XXXX Delete this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-14 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: NY

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.

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