vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CITIBANK, N.A.
State: KY

Complaint narrative:
I signed up for a Costco Membership as well as a Costco Anywhere Visa Card by Citi. I registered my account but was initially unable to log in. After troubleshooting on my own for a week, I called Citi Bank and was told it was an authentication error on their side. The customer service representative I spoke to said that they reset my account and that after 24 hours I should be able to register again and then log in.

After waiting 24 hours, I was unable to reset my card. During the following weeks, I would continuously contact Citi Bank customer service and request assistance with this issue. For most of these conversations, I was told that a ticket was opened under my account to address the issue and that it should be fixed. Every time I contacted Citi Bank, I was advised to wait and try again after a certain amount of time. The second to last time I contacted them, I was told to wait a little over a week, and that I would receive an email confirmation that the ticket was resolved. 

During this time I also tried to pay off my credit card statement over the phone, and I was initially told that I was unable to do so because they were unable to find the routing number of the credit union I use. This was eventually corrected on a different call, but was still troubling. 

However, the registration issue persisted. On XX/XX/XXXX around XXXX XXXX several weeks after I first reported the issue and reached out to Citi Bank customer service, I was able to speak to a supervisor. Her name was XXXX, and she informed me that there was in fact no ticket associated with my account and that the only way to proceed was waiting 7 days to confirm my identity. At this point, my statement was due in 7 days, and she told me that I had no other options and that there was nothing that Citi Bank could do. 

This completely went against the previous information that Citi Bank had told me. The customer service that I've experienced has been the most unprofessional and unreliable I have ever experienced. Between the misinformation and miscommunication, I feel that this is a completely unreliable credit card service provider. I have spent close to 8 hours on the phone with Citi Bank customer service, and no solutions were found during this. This was not something that I did wrong, which the representatives I spoke to confirmed. This was an issue caused by Citi Bank, that they did not resolve, despite telling me it would soon be fixed. It should not take over a month and several frustrating phone calls to simply register for an account. 

I was also notified that there may be fraudulent activity on my account, but I have no way to confirm this. Even over the phone, I was told nothing. To me, this is completely unacceptable.

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 2023-07-20 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: CITIBANK, N.A.
State: KY

Complaint narrative:
Citibank is in severe violation of the FCRA by failing as a furnisher to provide reasonable investigation, and committing unfair and deceptive practices ( UDAAP ) by failing to acknowledge they are participating in attempted identity theft. On XX/XX/2023, I received a credit reporting alert of a new credit inquiry. XXXX reported a credit inquiry that same day from Citibank NA., Best Buy. I immediately called Citibank at XXXX to dispute this credit reporting because I did not request an extension of credit or authorize the use of my information in any manner. I have excellent credit and was fearful the credit was open, but Citi confirmed it was denied. Citi never provided me a reason for denying the extension of credit, but during this call I was grateful Citi did not find it appropriate to approve the request. That same day I initiated a lock on my credit with all three credit reporting bureaus to prevent future attempts of fraud. 

On XXXX Citi called to verify my mailing address so they could send their final investigation results. A few days later I received Citi 's denial to remove the hard credit inquiry. Citi justified maintaining the reporting because all of my correct personal information was used to initiate the credit request. Because my personal information was fully used to make a credit inquiry, open an account, etc., does not negate fraudulent activity. I am disappointed by Citi 's failure to acknowledge attempted identity theft and the attempt to open an account with their financial institution using my personal information. Citi clearly found reasonable justification to deny the fraudulent attempt to open the credit account, but fails identity theft victims by refusing to remove incorrect credit reporting information.

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 2023-07-20 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: AZ

Complaint narrative:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-20 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: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain 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 2023-07-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Portfolio Services, Inc.
State: AL

Complaint narrative:
I am reaching out to request the validation of a debt associated with an account. Additionally, I would like to explore the possibility of settling the account if validated while seeking an arrangement for the permanent deletion of the account from my credit report. 

I kindly request your assistance in providing the following information for debt validation : 1. Original creditor 's name and contact information.

2. Account number and date of debt inception.

3. Detailed breakdown of the claimed amount, including any interest or fees.

4. Supporting documentation demonstrating my liability for the debt. 

I kindly ask for your prompt support in providing this information within 30 days. To ensure fairness, I also request the suspension of any collection activities related to this debt until its validity is confirmed. 

Once the debt is validated, I am eager to discuss a settlement arrangement. Furthermore, I kindly request an agreement to permanently delete the account from my credit report upon successful settlement. This mutually beneficial arrangement would allow me to rebuild my credit history without the negative impact of this debt. 

I truly appreciate your understanding and cooperation in this matter. Please kindly reply to this email or arrange for an appropriate representative to contact me. I am available at the provided email address or phone number to discuss the next steps or provide any additional information required. 

Thank you for your attention, and I sincerely hope for your assistance in reaching a fair resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK
State: AL

Complaint narrative:
I am reaching out to request the validation of a debt associated with an account. Additionally, I would like to explore the possibility of settling the account if validated while seeking an arrangement for the permanent deletion of the account from my credit report. 

I kindly request your assistance in providing the following information for debt validation : XXXX. Original creditor 's name and contact information. 
XXXX. Account number and date of debt inception. 
XXXX. Detailed breakdown of the claimed amount, including any interest or fees. 
XXXX. Supporting documentation demonstrating my liability for the debt. 

I kindly ask for your prompt support in providing this information within 30 days. To ensure fairness, I also request the suspension of any collection activities related to this debt until its validity is confirmed. 

Once the debt is validated, I am eager to discuss a settlement arrangement. Furthermore, I kindly request an agreement to permanently delete the account from my credit report upon successful settlement. This mutually beneficial arrangement would allow me to rebuild my credit history without the negative impact of this debt. 

I truly appreciate your understanding and cooperation in this matter. Please kindly reply to this email or arrange for an appropriate representative to contact me. I am available at the provided email address or phone number to discuss the next steps or provide any additional information required. 

Thank you for your attention, and I sincerely hope for your assistance in reaching a fair resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20 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: WA

Complaint narrative:
i checked my report and i seen an unauthorized credit check inquiry that i have not given consent to. I am demanding the inquiry be removed from my credit report within 4 days as they are fraudulent. Im trying to establish relationships with banks but continue to get declined because of these items on my report. I have attatched the items to my letter and notified the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
My name is XXXX XXXX XXXX ( AKA XXXX XXXX XXXX ). On XX/XX/XXXX I uploaded the necessary documents to Capital One as instructed to have my last name changed from XXXX to XXXX as I recently got married. A few days after I started getting emails from Capital One addressed to XXXX, I then used my credit card, and my transactions are listed as XXXX XXXX. Basically, a simple name change has turned my bank and credit card accounts into a disaster as my entire name has been changed to XXXX XXXX!!!!! Where do you get a last name change from XXXX to XXXX translated to XXXX XXXX? I called customer service for assistance and was basically advised they were submitting a request to have this rectified and to allow XXXX days, nothing is being rectified and I live XXXX hours away from the nearest branch. A simple mistake such as this can have detrimental effects on my credit, accounts, as well as my identity and your Customer Service teams have no urgency to get it rectified. It's been a week and still has not been rectified. I have spent hours on the phone being passed off from one agent to another.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BSI Financial Holdings, Inc.
State: NY

Complaint narrative:
Since COVID where XXXX XXXX XXXX very bad for XXXX months and still have XXXX XXXX from XXXX I had to reduce the overtime hours I worked I was out of work for XXXX months in XXXX without pay I went back to work and still find it hard to keep up with all my bills and now Im back out of work since XXXX and should be going back in XXXX and Im also not getting and pay because Im waiting on a court date for the judge to have workers comp start paying me. Also my wife is out of work due to a disability since XXXX to present she had XXXX surgeries in that time and still has not healed yet her last surgery was XXXX XXXX in XXXX of XXXX. So I was hoping for a pause in mortgage payments or a reduction to XXXX with no penalty or restructure the loan please and thanks I really would appreciate this my kids are in college and I just want them to continue their studies without worrying.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: IN

Complaint narrative:
I cashed my tax refund check with my chime account and after they approved it they locked my account and I have sent in documents showing it was a refund check and they still won't allow me access to my money. This has caused major problems due to me not having my money to feed my kids, pay my mortgage and run my business. I hav emailed them on XX/XX/XXXX, and XX/XX/XXXX and sent in documents again today and I call every day and they just say they will escalate the issue and I never hear anything back. 
The bank is Chime.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-20 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
The Amount owed was not XXXX it was XXXX. This amount and Charge off happened during where I was under the impression that Chase due to Covid relief was to put the amount to Forbearance or allow myself to have lower payments due to XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Account close its over 7 years

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Wells Fargo allowed a charge {$74.00}, from something listed as XXXX * Newspaper, to be paid. It was an unauthorized charge. 

Further investigation, ok we XXXX the payee, shows that this particular charge is a well-known fraud issue going back years. 

Even if I have been a victim of identity theft and the criminals presented the appropriate credentials, Wells Fargo should know -- or should have known -- that this charge is behind a fraud. 

Check it out : XXXX XXXX XXXXXXXX

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 2023-07-20 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 — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I reported fraud on my credit card issued by capitol one. First the call is outsourced and I had trouble understanding the persons English. They were not very well informed about fraud and how it was handled by capitol one. As of yet I have not received a new card or a credit. They say they only give a temporary credit until investigation. It is legitimate fraud. I caught it on my online. The charge is on my overall balance. 
Capitol one has been unhelpful. Unappreciative of my many years of patronage. I even have a large saving account with them. I have over 800 credit score. I feel violated by someone charging on my card. Capitol one shows no concern for me. Tardy service and all the way around bad business practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act ; this creditor, Comenity Bank/ Victoria XXXX with XXXX  XXXX has violated my rights under 15USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: PNC Bank N.A.
State: GA

Complaint narrative:
On XXXX XXXX I applied for a personal loan through my current bank. The reason for the personal loan was to consolidate my debt Ive accumulated. I applied for the maximum amount and submitted the application online. My application was denied. Due to Title 15 USC 2611 PNC bank failed to provide me all factors that were involved in this consumer transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FISERV FINXACT CORE
State: AZ

Complaint narrative:
California issued me a debit card for a tax refund. I have tried to initiate a transfer to my bank account over several days and multiple times. The website is BOGUS. I have tried 4 different browsers and unexpected problems occurred in each attempt. Primarily the " system '' seems to object to the amount of the transfer after I have tried to adjust it to less than the balance to cover any fees even though they state there is no fee for online bank transfers and even though the website acknowledges I have a balance of XXXX. I tried every amount to XXXX. I just got work my wife was allowed to get XXXX at the ATM with fees (? ) - NO DOUBT! 

My wife is now driving a XXXX mile round trip to a ATM for Money Network. I believe the reason for the BOGUS website is because they want to cause a fee to charged at the ATM. I don't care about the fee. I OBJECT strenuously to the BOGUS web site. 

Not only did they harvest my banking information, they FAILED to perform a task which happens millions of times a day. That is, a simple bank to bank transfer. 

I believe the bank should be sanctioned for their deliberate poor performance. 
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 2023-07-20 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 — Their investigation did not fix an error on your report
Company: NEW YORK COMMUNITY BANCORP INC
State: TX

Complaint narrative:
I've made several attempts to the consumer agency to have the issue resolved, XX/XX/XXXX was the last time i contacted the consumer agency regarding this matter. 
Flagstar Bank Payment reverse for XXXX Please reverse payments for XXXX for the months of XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20 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: DISCOVER BANK
State: CT

Complaint narrative:
Discover card has been using my information to file inaccurate reports at the credit bureau. I trusted them with my information and what they have done for months is abuse my information, to the point that it feels criminal.

Discover card told me on a recorded conversation that what they tell the credit bureau doesn't matter and if I wanted to get a loan all I had to do was call them. This is not true and for them to say something like this to me says they can not be trusted with my information. Any and all they do with my information from this point forward will be documented and viewed as identity theft. 

I believe that I am not the only person they filed false balances for, I have conversations with them I have not posted yet that prove they are engaging in consumer fraud

Company response to consumer: Closed with non-monetary relief