vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
On XX/XX/XXXX, my phone was stolen. While in possession of the stolen device, the thieves were able to change my XXXX password and FaceID. Presumably they used XXXX of these to initiate a XXXX transaction from the Citibank Mobile banking app in the amount of {$2500.00}. Upon reporting fraudulent transactions to all other financial institutions, including Citibank 's normal checking services, other teams worked with me to collect information and resolve the disputes under the The Fair Credit Billing Act ( FCBA ). Even after following up, when Citibank Mobile fraud failed to ask for sufficient information regarding the status of the case, I sent information regarding the details of the police report I filed of the stolen device to XXXX XXXX XXXX, as instructed. I received no response, and once again had to call in to receive a status update regarding the case. I am extremely frustrated that Citibank is unresponsive, and is in breach of The Fair Credit Billing Act ( FCBA ). In addition, Citibank 's bank fraud team seems to not have their records in order, as they have accepted XXXX fraud claims and not the XXXX  in the same amount as XXXX of the claims, thinking that it is a duplicate transaction, in the amount of {$240.00}

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 2024-01-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc
State: NY

Complaint narrative:
My SSN compromised in a breach. I am a victim of identity theft. Fraudulent account opened up under mysocialsecurityaccount.gov and money fraudulently taken ( approx {$15000.00} ) and transferred to Stride/CHIME accounts fraudulently opened ( bank and credit card accounts ). From what we can see on credit reports, they have opened up multiple accounts at XXXX XXXX XXXX name and XXXX. I have called Srtide/Chime with an ID restoration advocate from XXXX and XXXX would not tell us how many accounts under my name and refused to close them as fraudulent. Stride/Chime not assisting in closing fraudulent accounts and participant in fraudulent money taken from my Social Security account XXXX their bank via bank. Social Security has blocked my online account and XXXX and FTC and police reports all filed. I am unaware as to how many accounts or what other banks have been opened in my name. Stride/CHIME has shown up on my credit report. Events began XXXX XX/XX/XXXX. I became aware on XX/XX/XXXX when I had to open up a my social security account online to apply for XXXX A as I turn XXXX XX/XX/XXXX and found out someone already had opened an account under my name with false address, phone #, and XXXX account and opened Stride bank account and collected retirement from my XXXX account and also applied for XXXX A and XXXX XXXX report filed XX/XX/XXXX, FTC report filed XX/XX/XXXX, police report XX/XX/XXXX, personally met with XXXX XX/XX/XXXX, called Stride/CHIME XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
On XX/XX/2023, we enrolled in a XXXX membership, intending to enjoy their facilities with our family. Unfortunately, due to unforeseen circumstances, we were unable to utilize their services and proceeded to cancel the membership on XX/XX/2023. We meticulously followed XXXXXXXX XXXX online cancellation process, ensuring all family members associated with the account were included in the cancellation request. 

We have concrete evidence, including a screenshot taken during the cancellation process and email confirmations from XXXX, validating our comprehensive cancellation. These documents unequivocally demonstrate that all memberships under our account were intended to be terminated, contrary to XXXXXXXX XXXX assertion that only the primary membership was canceled. 

Regrettably, XXXX continued to charge our account in the subsequent months, despite the lack of service utilization and our explicit cancellation. We find this to be a clear case of wrongful billing, necessitating immediate remedial 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 non-monetary relief
Consumer complaint received 2024-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have had numerous issues with Transunion beginning with the purchase of a new home. I had attempted identity theft and fraud on my bank accounts, therefore I placed freezes on all three credit bureaus. All but Transunion went smoothly. I placed the freeze on XX/XX/2024. On XX/XX/XXXX, I had to shop for homeowners insurance for my new home and of course the freezes prevented me from doing that. So, I attempted online to remove freeze temporarily and transunion gives me an error message to call in. I call in, answer all of the computer identifying questions, name, XXXX, ss #, addresses, etc. which all takes about XXXX mins. Finally placed on hold another XXXX mins to speak with a real person. The live person again identifies my by asking me questions which I answer him, only to be told that there is " a system glitch '' and I have to mail in a letter to have freeze removed. Even though I answered all questions correctly, identified myself, gave them my ss #. So, I call in XXXX more times after and all representatives tell me the same thing, they can't help me and I will have to mail in a letter. This is illegal. I had only XXXX day to purchase homeowners insurance and this has created a huge problem. I should have access to MY OWN credit at all times without them creating roadblocks and more trouble for me. And when I ask to speak with a supervisor they happen to be " the supervisor. '' I should not have to mail anything in to take care of business FOR MY OWN CREDIT.

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 2024-01-06 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The account with XXXX XXXX account # XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

According to 15 USC 16811 ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 16815-2 ( 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
Consumer complaint received 2024-01-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NV

Complaint narrative:
Bought a car in XXXX of XXXX of XXXX a used XXXX XXXX XXXX XXXX. The amount for the car was XXXX $ plus a warranty package that I didnt know in the amount of XXXX . I see 2 problems here, one is a he overpriced amount for the car being a used XXXX with XXXX ( ish ) miles, since the market value is way below than XXXX , and this warranty package that put my payments higher than I need that I dont know about, they told me that my payment would be XXXX but didnt told me that I had the option for this package.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
Confirmation Reference number was provided for completing form for Lowes trade line and was responded with a hard pull to credit score for approval decision made through customer representative. Which no inquiry of credit report should be an hard pull without consent.

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 2024-01-06 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: WELLS FARGO & COMPANY
State: MT

Complaint narrative:
My cousin XXXX XXXX changed my father 's will to steal all his money for XXXX XXXX. XXXX XXXX is now covering up the fraud in the probate.

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 2024-01-06 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
I attempted to open a secure business credit card, i didn't agree with the terms, they told me it would be two weeks before i get my money back and my rent was due. I was hoping to pay my rent with the credit card, but i needed them to correct the terms. There where a few parts in the agreement that i brought to their attention. Here they are as followed. I dont agree with the Following Paper work summited after my colleterial was taken, SUCCESSOR AND ASSIGNS section which states, You agree that we may at any time assign or transfer to another person your Account, you Account balance, or this Agreement. The persons to we transfer or assign your Account., your Account balance, or this Agreement will have all of our right under this Agreement. You will not assign or transfer, any of your right or duties under this Agreement, and this Agreement is binding on your successors, heirs and legal representatives and upon anyone to whom you assign your assets or who succeeds to them. This is clearly fraud if this company wished to control my company and it's likeness, the agreement would have to be unilateral. My company XXXX XXXX XXXX XXXX has licenses that we issue for this particular situation. I mentioned this once in the case previously filed with the cfpb on XX/XX/2023 against the company Bank Of America Inc Complaint Number XXXX. This company is clearly attempting to commit fraud. And i attend to correct this issue. This is my company XXXX XXXX XXXX XXXX letting them Bank Of America inc know, that without my signature and company issued licenses, all their Bank Of America Inc agreements are considered relinquished to my Company Trademark and personal name for the attempt to fraud me out of my company. I will be moving forward with activating this credit card, Bank Of America will be extending me a credit limit and line of {$20000.00} unrecoupable. And i will keep full ownership of my company name and likeness, no one shall have the ability to take ownership of the new activated account without written notice from our company XXXX XXXX XXXX XXXX, we agree upon here.

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 2024-01-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
The Capital One Savor Credit Card has a promotional offer for spending XXXX dollars in the first three months. Despite doing this I did not receive the bonus of XXXX dollars. The promotion showed for the card led me to believe I met their criteria for excellent credit. Both times I have called the support for Capital One has been unhelpful in having the details fully explained. I also lost money I would have made making purchases with other cards with better cash back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 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: OH

Complaint narrative:
Regarding XXXX  XXXX account ending in XXXX, it is associated with my company. However, upon reviewing, the accont, it has come to my attention that fraudulent charges were made to the account before multiple payments. These charges were initiated by a third party. In light of these circumstances, I kindly request that the account be either deleted or the balance be set off. Thank you for your attention 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 2024-01-06 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: NY

Complaint narrative:
I have been trying from last year to get equifax fix this problem there is inquiry that is on my account that I do not know and never ask or do on my side they still have not removed the. Please the inquiries am talking about is : XXXX. FRAUD REQUEST Inquiry : XXXX. XXXX, 2023 + Bankcard XXXX XXXX, XXXX- FRAUD REQUEST Inquiry : XXXX. XXXX, 2023

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
I am writing to express my deep dissatisfaction with a recent incident that occurred with my account. On XX/XX/2024, I discovered a transaction on my saving account statement dated the same day, indicating a withdrawal of - {$18000.00}. I did not receive any notification, alert, or confirmation about the issuance of this check, and I certainly did not provide any consent for such an action.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
The following accounts were fraudulently obtained in my name without my permission or knowledge. I've contacting each creditor about the activity. Below are the dates the fraudulent accounts were opened and also the amount of the charges. 

AMEX Date opened : XX/XX/XXXX. 
Amount charged:XXXX. 

AMEX Date opened : XX/XX/XXXX. 
Amount charged : XXXX. 

XXXX XXXX Date Opened XX/XX/XXXX. 
Amount Charged XXXX XXXX XXXX Date Opened : XX/XX/XXXX. 
Amount Charged XXXX XXXX Date Opened XX/XX/XXXX. 
Amount charged : XXXX. 

Please remove as soon as possible. 
THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
The following accounts were fraudulently obtained in my name without my permission or knowledge. I've contacting each creditor about the activity. Below are the dates the fraudulent accounts were opened and also the amount of the charges. 

XXXX Date opened : XX/XX/XXXX. 
Amount charged:XXXX. 

XXXX Date opened : XX/XX/XXXX. 
Amount charged : XXXX. 

Capitol One Date Opened XX/XX/XXXX. 
Amount Charged XXXX XXXX XXXX Date Opened : XX/XX/XXXX. 
Amount Charged XXXX XXXX Date Opened XX/XX/XXXX. 
Amount charged : XXXX. 

Please remove as soon as possible. 
THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I opened this account through a promotional offer email online. It is a public offer where Bank of America is offering a {$200.00} bonus when you open a new eligible checking account and complete the following requirements : Set up and receive XXXX XXXX Deposits of {$2000.00} or more into that account within 90 days of account opening. They still have this promotion in this link : https : XXXX I fulfilled all the requirement on XX/XX/2023 but still haven't received the {$200.00} bonus. I subsequently reached out to BOA and they said they would invesitgate and honor the promo bonus. But I still haven't gotten it to this date! This is a scam! Dont trust this bank!!

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 2024-01-06 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The account with XXXX XXXX account # XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

According to 15 USC 16811 ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 16815-2 ( 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-06 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The account with XXXX XXXX account # XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

According to 15 USC 16811 ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 16815-2 ( 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 explanation
Consumer complaint received 2024-01-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I received a letter from Chase Bank ; ( reference # : XXXX ) ; denying my application for a XXXX XXXX XXXX account. I called them, was transferred to the fraud department where a woman named " XXXX '' was " working '' with me. She wanted additional information from me, which I refused to give, and she told me that she couldn't give me any details on the credit application when I asked for them. She told me that they could only work with the authorities. I asked when the application was submitted and she told me XX/XX/2023. I asked her how that could be when the letter was dated XX/XX/2023. She told me she couldn't provide me with any information, that I had to go to the authorities. I told her I expected this to be removed from my credit report ( s ) immediately and that I submitting this to the authorities. The call was disconnected.

Someone tried to get a credit card in my name through CHASE BANK, and Chase was absolutely, appalling to with. They must be in on this scam or they would want to help the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: MO

Complaint narrative:
Nelnet has been an absolute nightmare to deal with in the wake of student loan payments resuming. My loan was transferred from Great Lakes and never had nearly as many issues as I have with Nelnet in this short period of time. It takes an hour to get ahold of anyone and when you do I have had my call dropped multiple times. When I have gotten to speak with someone I have received contradicting information and was assured I was on the XXXX plan and just needed to wait for it to process. I waited 4 months to get told they were missing information from me even though they said they have had everything they need for months. Their representatives do not know any information about the new plans and didnt provide any guidance as to how the government subsidies pays the remainder of interest on your bill. And even more so, the primary reason I am filing this complaint is my interest is STILL accumulating under the XXXX plan and no one has offered guidance when I have tried to ask as to why that is happening. I have contacted my congressional representative and havent had much luck. I need help with getting Nelnet to post accurate numbers and clear guidance. I need them to follow the guidelines of the XXXX plan and waive the remaining interest on my plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP
State: OH

Complaint narrative:
Attempted to withdraw money from my account and was refused any of my available funds due to a checking account issue totaling XXXX dollars

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I had fraudulent charges on my debit card and theyre saying there was no error

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