vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: CA

Complaint narrative:
I have a recurring charge from XXXX XXXX that I've tried to cancel repeatedly. The business is in XXXX California, where I used to live, but haven't been since 2021. 

It's a gym and I've emailed, called and written to stop the charges. They did not reply. 

US Bank said that i could dispute a credit card charge but didn't offer any help because this is an XXXX withdrawal.

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 2023-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My name is XXXX XXXX I am with Chase Bank since XXXX they put a red XXXX day late on my credit report for XXXX and it wasnt XXXX that was late it was XXXX and it was because we had a National disaster of over XXXX inches of snow which shut the mountain down for XXXX weeks which made me late on getting my payment and I asked for forgiveness and they wouldnt and I told him that they have the XXXX day late on XXXX and it wasnt XXXX XXXX  days late it was XXXX and I was asking for a pardon on XXXX please could you help me fix this?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
This complaint involves a Bank known as XXXX XXXX. They were the original servicer of the account for my BJ 's Perks card. I noticed 3 fraudulent charges on my statement of XX/XX/XXXX. These were purchases on my account I did not make. I made XXXX XXXX  aware of this and filed a fraud complaint with them. At this point I was not aware they were in the process of being bought out by Capital ONE. They clamed they would investigate. I continiued to make on time payments for ALL legitimate charges to my account with XXXX. XXXX, after a period, I received a letter from XXXX XX/XX/XXXX that read " we can find no basis to support your claim ''. Now I start to see late fees and interest charges based on the fraudulent charges they don't recognize. They continue to assess those fees despite my asking for a full disclosure of there findings. On the statement for XXXX of XXXX I noticed 2 more fraud charges and made XXXX XXXX  aware of these additional charges. They did not respond. Instead I continued to be charged late and interest fees, this despite my paying legitimate charges ahead of time. Then their next statement indicated I owed over {$600.00} dollars. This figure did not even make sense since upon I tallying all their late fees and interest charges it was {$370.00}. In the mean time I was sent a new credit card from them on XX/XX/XXXX. I thought they are finally admitting that all those charges I complained about were indeed fraudulent Yet, they continued to assess late fees and interest fees. On XX/XX/XXXX I received a new Credit card with a New LOGO from Capital One with a letter bringing me up to speed as to there takeover of he BJ 's account. They proceeded to continue assessing fees. It was as though they were not aware of my dispute with XXXX. I sent them notice that I would not pay any of their billing and Not activate their new card or make any new transaction with BJs  or any other retailer until such time my dispute was resolved to my satisfaction.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Background : I've been a Citibank credit card account holder since XXXX, and it recently came to my attention that I'd been enrolled in their " XXXX XXXX '' program unbeknownst to me. This is a program that, to the best of my knowledge, I've never agreed to participate in, but have nonetheless been subject to, exposing me to years of monthly fees totaling in the thousands. Over the past months I've contacted Citibank on numerous occasions requesting proof that I willingly enrolled in the " XXXX XXXX '' program. In each instance no such proof could be relayed by phone, only a promise to share such details by mail. I've since received two identical letters ( one of which I'm including in this complaint ) suggesting that I enrolled in the program XX/XX/ with no evidence to support my authorization ( something that was promised when speaking to Citibank representatives by phone ). What's more, when speaking with Citibank representatives I was assured this was a program I would have had to proactively enroll in, suggesting that such proof of consent exists. Still, no details have been offered. As far as I can tell Citibank fraudulently enrolled me in their " XXXX XXXX '' program, collecting monthly fees I never authorized and has placated me in all attempts to refund said monies. 

XXXX Update : Citi 's response to my complaint lodged through the CFPB is their latest attempt to further placate me. They've provided no additional evidence that would prove I willingly enrolled in the XXXX XXXX program, only suggesting that my activation of the card was consent enough. What's more, they included a veiled threat to alert ratings agencies of any delinquent payment activity due to the dispute, despite the fact that my account is in good standing. This was a boilerplate response that aims to dissuade me from any further action.

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 2023-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX account XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2023-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
TransUnion Credit Bureau has been preventing me from filing online disputes for the past six months. I will go to this website, https : //www.transunion.com/credit-disputes/dispute-your-credit, and log in, just to not be able to file a dispute online and attach supporting documents to each collection account that doesn't belong to me. When I call their dispute department at XXXX, the customer service agents will not listen to me, nor type in the reasoning for my disputes that I'm forced to make over the phone, thus providing inaccurate information on my TransUnion Credit file. My rights have been stripped from me from properly filing my own disputes correctly and accurately. And because of that, I have to call their dispute department, and the dispute is NEVER filed correctly sometime the customer service agent will lie and won't file the dispute that I requested at all. This has been going on for over six months and I want the TransUnion Credit Bureau to be held accountable for their actions in denying me my rights to file an online dispute, purposely filing inaccurate information, and failing to file my requested disputes over the phone, per the Fair Credit Bureau Act. Please see the supporting attached documents showing that I have not been given access to file a dispute online, and I've called in several times complaining about my phone disputes not being filed correctly and some weren't filed at all but lied to about it. File # 's XXXX, XXXX, just to name a few.

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 2023-04-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: AXOS FINANCIAL, INC.
State: CA

Complaint narrative:
I had opened a rewards checking account with Axos Bank in XX/XX/XXXX to avail of the offer of having a direct deposit of {$1500.00} to earn a {$150.00} cash bonus. I satisfied that requirement on XX/XX/XXXX itself, however, till XX/XX/XXXX no bonus was added. I reached out to support over the phone who indicated a promo code wasn't applied. I have since transferred my {$1500.00} in XXXX to my bank account but have kept the account open for investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Medical Data Systems, Inc.
State: VA

Complaint narrative:
XXXX XXXX were rendered by XXXX XXXX XXXX XXXX  XX/XX/21 the Alabama statute of limitations for medical debt is 2 years this account is still being reported and should be closed with derogatory marks removed as its been reported for 4 months past date of limitations were up

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: MN

Complaint narrative:
I submitted a PSLF application XX/XX/2022 and resubmitted XX/XX/2022 with all required signatures and documentation. I was told by Mohela customer service staff that I was required to consolidate all loans with Mohela to be eligible for the PSLF program. I consolidated my student loan balance and the Parent Plus loans I obtained for my children. Now that the loans are consolidated Mohela claims that I have only 6 qualifying payments though I have worked in eligible public service institutions for over 20 years and have made student loan payments that entire time. I understand that the Parent Plus loans would not have reached the eligibility milestone, but my own graduate school student loans most certainly qualify. I should be permitted to either un-consolidate or have a portion of the consolidated loans forgiven through the PSLF program. 

When I call customer service, I am given inaccurate and inconsistent information, and frequently the line is disconnected rather than transferred. When I do speak to a customer service representative, they are unable or unwilling to provide answers. Most recently I was told simply not to worry, and to wait until the federal lawsuit was completed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK
State: PA

Complaint narrative:
I applied for the Discover. 
I was approved for Discover. 
Discover card # XXXX. 
I tried to call and get it activated, and sent all the proper documents to Discover, but I have not been permitted to use the card. Please allow me ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

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 XXXX XXXX account number XXXX has violated my rights 15 USC 1681 section 602 a states I have the right to privacy 15 USC 1681 section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681 ( a ) ( 5 ) section states no consumer reporting agency may 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 USC 1681s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate Also this collection needs to be deleted asap because I was XXXX XXXX XXXX XXXX XXXX  sent to the XXXX  set up on a XXXX XXXX sat in XXXX XXXX XXXX XXXX starting XXXXXXXX XXXX I was XXXX XXXX XXXX Im sending documents of the case where I was XXXX XXXX XXXX  which is the reason XXXX XXXX  was 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 explanation
Consumer complaint received 2023-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I have an ongoing problem with our mortgage company XXXX ( XXXX XXXX which has been going on since XXXX. I had filed a XXXX XXXXXXXX in XXXX of XXXX which ended in XXXX XXXX. At the end of my XXXX XXXX XXXX / XXXX had merged and informed my attorney I needed to pay them another XXXX. Or my XXXX XXXXXXXX would not be closed. I had taken money from my tsp and paid the amount they stated I needed to pay to finalize my XXXX XXXXXXXX. 
Since my XXXX XXXXXXXX has ended they have reported to the credit reporting agencies that I have been late/ behind on my mortgage with them for the past 4 years. 
They had applied my monies to my escrow account instead of mtg. I have called them numerous times about this over these years trying to get this resolved with no success. I send my payment every month certified so I know when they receive my payment and they are not late. They have falsely reported this to the the credit agencies therefore affecting my credit. I have an ARM mtg which they have now moved 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 2023-04-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: KY

Complaint narrative:
I have three store credit cards ( XXXX XXXX Musician 's Friend, and Ashley Furniture Home Store ) that are handled through Synchrony Bank. On XX/XX/XXXX, I logged into the mysychrony online portal to make a payment on all three accounts. Ashley Furniture was due on XX/XX/XXXX and the other two were due on XX/XX/XXXX. There are only two checking accounts associated with the portal ( my XXXX and my husband 's account ). On XXXX, XX/XX/XXXX I received an email that there was an issue with the banking information I provided. The information for my XXXX XXXX XXXX  was incorrect and the payments would be cancelled. I logged into the portal, but it showed the payments processing and again only showed the two checking accounts. On Monday, XX/XX/XXXX I received an email that the payments had been cancelled. All three accounts had a late fee charged. I spent over an hour trying to get this resolved, I did get the late fee waved, but no one knows what the issue is. I have never had XXXX XXXX XXXX  and neither has my husband. XXXX XXXX Bank is located in my hometown, XXXX hours away, and my parents have an account there. I have never had an account with XXXX XXXX XXXX. Furthermore, my parents do not have access to mysychrony and do not even know I have those XXXX store credit cards. I have no idea how Synchrony Bank got access to 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 2023-04-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
On XX/XX/XXXX XXXX  I purchased XXXX XXXX stream service on my truist bank credit card at the XXXX XXXX store on XXXX XXXX in XXXX Tennessee. On XX/XX/, I returned the box and canceled the service. I received receipt of the returned. The cost {$130.00} has been canceled from my XXXX  account, but my truist bank credit card did not credit my account. I have sent cancelation letter to truist bank from my email sent by XXXX XXXX, print out of purchase., and another form showing canceled the next day. I also sent XXXX XXXX location and phone number where I made the purchase. All information was sent to email creditcard XXXX, bankcard XXXX and a fax number XXXXThe XXXX  merchant ( store manager ) has compromised for further assistance on this matter. Everytime I call truist bank rep or manager, they tell me something different about the claim. They also keep giving me different claim number. These are the claim number for the same case. Claim number XXXX. Claim number XXXX XXXXXXXX. Claim number XXXX. All I want is for {$130.00} to be credit back to my credit card ending in XXXX. If you need more information, feel free to call me at XXXX. My name 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 non-monetary relief
Consumer complaint received 2023-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
Fraudulent accounts on my credit report I have disputed those accounts with Equifax but they still havent removed them from my credit reports theyre not my account those I disputed due to identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am writing to request that you remove the following inquiries from my credit report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I recently checked my credit report and noticed that these inquiries were made without my knowledge or consent. I have no relationship with the companies who made these inquiries, and I believe that they were made in error. 

These inquiries are negatively impacting my credit score and making it difficult for me to obtain loans or credit cards with reasonable interest rates. I take my credit score seriously and have been working hard to improve it, but these inquiries are holding me back. 

I understand that credit inquiries are a normal part of the credit application process, but in this case, they were made without my permission. Therefore, I request that they be removed from my credit report. 

I hope that we can come to a resolution that will help to rectify this situation. Please let me know if you require any additional information or documentation from me. 

Thank you for your consideration. 

Sincerely, 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 2023-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am writing to request that you remove the following inquiries from my credit report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I recently checked my credit report and noticed that these inquiries were made without my knowledge or consent. I have no relationship with the companies who made these inquiries, and I believe that they were made in error. 

These inquiries are negatively impacting my credit score and making it difficult for me to obtain loans or credit cards with reasonable interest rates. I take my credit score seriously and have been working hard to improve it, but these inquiries are holding me back. 

I understand that credit inquiries are a normal part of the credit application process, but in this case, they were made without my permission. Therefore, I request that they be removed from my credit report. 

I hope that we can come to a resolution that will help to rectify this situation. Please let me know if you require any additional information or documentation from me. 

Thank you for your consideration. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation