vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
On XX/XX/XXXX, I contacted customer service at Citi Bank about a {$1000.00} cash bonus advertised for opening a new Citi Priority Checking account with $ XXXX new money before XXXX XXXX, XXXX. I was informed in a letter dated XX/XX/XXXX from Citi Bank that no such promotions were available/linked to my account. 

However, there is a XXXX article dated XX/XX/XXXX detailing the exact promotion I used to open my Citi Priority Checking account : [ Citi Priority Checking Account Review XXXX ] ( XXXX XXXX XXXX ). The promotion ran between XX/XX/XXXX and XX/XX/XXXX. A printout of the XXXX article is attached. 

I opened my Citi Priority Checking account on XXXX XXXX, XXXX with {$100.00} and transferred {$10000.00} on XX/XX/XXXX, and then transferred {$65000.00} on XX/XX/XXXX, well within the promotion period. The money has been sitting in the checking account for 6+ months earning XXXX interest. 

Considering the promotion and my account opening date, I anticipated receiving the bonus credit sometime in XXXX, XXXX ( per the advertised 60-day wait period with a 21-day processing buffer ). As of today, XX/XX/XXXX, the credit has not been applied to my account. 

Additionally, I received a promotional flyer about this offer directly from Citibank at my home address, though I could not locate it at this time. 

I send a fax with a screenshot of the relevant part of the XXXX article to Citi Bank yesterday as instructed and are still waiting for their response.

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 2024-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My account with XXXX was never late! I have had exceptional payment history with 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 XX/XX/year> to XX/XX/year> 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: CO

Complaint narrative:
1. When the federal loan platforms changed, they automatically updated my income despite the previous rules that it would be on hold until XX/XX/2025 ( I was someone that was asked to recertify before the deadline was extended ). My payment never went up before the transfer but now it went from {$300.00} to {$2400.00}. Ive called several times asking for a correction and am in an administrative forbearance with no correction in site. My forbearance ends in XXXX  days with no correction. 
I have called several times and most of the people I talk to have no idea what they are talking about and just say they cant help me, and dont understand their own policies

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I set up a recurring payment plan with Bank of America credit card. The payment is due on the XXXX day of the month. I asked the agent at Bank of America on which dat I should send in the payment. I was told that since " ebilling '' I should send the payment on the XXXX of the month. I continued to do this until XXXX of XXXX  and I was billed a {$40.00} late charge. I called customer service and was told that the payment was not processed until the XXXX of the month and was assessed the late charge for this. This is an absolute scam. I was then told that Bank of America does not process payments on weekends and if the payment arrives on a Monday, it is not entered until Tuesday.

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 2024-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc
State: NC

Complaint narrative:
I discovered today that someone hacked my payroll company and had money sent to a Chime account. I notified Chime of this fraudulent activity. They were totally uninterested. They asked repeatedly about transactions that I had authorized. I could not make them understand that none of the transactions were mine. They are all fraudulent and that the account needed to be inactivated. They refused to listen. I finally just hung up with no resolution. I guess they not interested in fraudulent activity as long as they are gettin their money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase Sapphire Credit Card advertised XXXX introductory reward points to any new card customer that spends XXXX XXXXXXXX in the first three months. I received my card in XX/XX/XXXX and charged over XXXX XXXXXXXX within the three month time period. To date, the total amount of " New Cardmember Bonus '' points, listed on my monthly statement, is XXXX. Chase is XXXX short of what was advertised. 

On XX/XX/XXXX I called the customer service number, on the back of the Sapphire card ( XXXX ), around XXXX to speak to the representative about my remaining XXXX points. She ( can't remember the name ) requested an address verification to continue her search- I verified. Then, she claimed the system would not allow her into my account without my birthdate- I gave it to her. Then, she said the system is asking for the name of my other Chase credit card - I told her " Slate. '' Then, she requested the three digit CVV number on the back of the Slate card. By that time, I was frustrated, did not understand what any of my information had to do with reward points, and felt uncomfortable releasing any more personal information. She immediately apologized and said her system requires that information, followed by, " I will transfer you to the Escalation dept! '' The phone system put my back in the queue for another 20 minute hold for the next representative. 

At XXXX XXXX answered and said he was the supervisor. I explained the reward points situation and expressed my dismay for being required to answer personal information, and details about my other credit card that had nothing to do with the card that had the points discrepancy. He said the personal questions, " can be annoying, '' and without any further security inquiries, he delve into the situation at hand. Basically, XXXX confirmed that I, indeed, did spend over XXXX XXXXXXXX within the three months period, as stated in the terms and agreement. And, assured he would " send a note to the Marketing and Advertising dept, '' to research and eventually add the XXXX points to my account. It would take two statements cycles, if I were to receive any solution, XXXX concluded.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
My account with AMEX was never late! I have had exceptional payment history with AMEX 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 XXXX XXXX XXXX XXXX XXXX  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.

AMEX 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 response to consumer: Closed with explanation
Consumer complaint received 2024-07-18 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: EQUIFAX, INC.
State: TX

Complaint narrative:
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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-18 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: ENCORE CAPITAL GROUP INC.
State: MO

Complaint narrative:
MIDLAND FUNDING LLC XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX THESE COMPANIES ARE REPORTING/ADDING INFORMATION TO MY CONSUMER REPORT WITHOUT MY VERBAL/WRITTEN CONSENT. AGAIN, I DID NOT AUTHORIZE NOR GIVE MY CONSENT/AUTHORIZATION FOR THE NEGATIVE REPORTING. 
Per the FCRA as federally protected consumer - I AM NOW OPTING OUT OF ANY AND ALL AUTHORIZATION I THE CONSUMER MAY HAVE GIVING YOU. WRITTEN AND UNWRITTEN VERBAL AND NON VERBAL PER 15 USC 6802.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. ( NAME OF THE COMPANY ) This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency ( NAME OF THE COMPANY ) name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( 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. 15 U.S. Code 1681i ( 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 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. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I'm seeking your support to address an inaccurate account listed on my credit report. This matter has negatively impacted my reputation, and I need your help.

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 2024-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I DONT HAVE PUBLIC RECORDS ON MY REPORT, PLEASE AND I'M BEGGING YOU TO DELETE THIS INACCURATE DETAILS ON MY REPORT ASAP, THIS GIVING ME ANXIETY AND I WON'T ALOW IT.

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 2024-07-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Chase has coerced me into making purchases on my Chase Freedom Visa card by falsely describing promotions and promotion details. This card offers unlimited 1 % back, and 5 % in specific categories that rotate every 3 months. For the months of XXXX, XXXX, & XXXX, one of these categories was restaurants. I made a charge dated XX/XX/year> at XXXX XXXXXXXX XXXX  for {$27.00}. I have frequented this establishment for years, and always use a card with a cash back bonus at restaurants, and until this instance, it has always been credited at the higher rate for restaurants. This time, I only got 1 %, not the advertised 5 %. I never would have made this purchase on this card if I knew I would only get 1 %. On the same statement was another problem. On XX/XX/XXXX, I received an e-mail from Chase about additional offers that I could opt into. One was 5 % at XXXX. The same day, I called Chase and spoke to XXXX. I asked about the disclaimer that purchases only qualified if they were made " directly with the merchant '' not " third-party services. '' I pointed out that XXXX was a third party marketplace, and asked if everything was excluded. I was told that anything purchased on XXXX was included. I then pointed out the " Offer valid one time only '' exclusion. I stated that I planned to make a single checkout with two items sold by two different sellers, and wanted to know if that would count as a single purchase ( all of it eligible for the promotion ) or as two separate purchases ( only one of the items eligible for the promotion ). I was told that would could as one purchase, and the entire thing would be eligible, as long as it did not exceed the {$10.00} cash back maximum, which it did not. I only ended up getting the 5 % on {$30.00} of a {$160.00} order. When I contacted Chase, they said they would listen to the call, but in the letter they sent, they suggested that it would be unfair to other Chase customers for them to honor what they stated to me. The total owed to me between the 2 transactions is {$7.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-18 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Name : - XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Incorrect DOB : - XXXX Listed below are the Accounts that are being challenged XXXX  - XXXX XXXX XXXX  - XXXX XXXX  XXXX - XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A XXXX XXXX XXXX XXXX XXXX XXXX. IF THE CONSUMER HAS PROVIDED XXXX  DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] XXXX  XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!

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 2024-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
My account with AMEX was never late! I have had exceptional payment history with AMEX 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 XX/XX/year> to XX/XX/year> 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. 


AMEX 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 response to consumer: Closed with explanation
Consumer complaint received 2024-07-18 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: IL

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2024-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I'm seeking your support to address an inaccurate account listed on my credit report. This matter has negatively impacted my reputation, and I need your help.

Company response to consumer: Closed with non-monetary relief