vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-30 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: CITIBANK, N.A.
State: OR

Complaint narrative:
On XXXX XXXX my Sears/CitiBank card was used to charge {$500.00} in airtime on a phone located in XXXX, XXXX. I live in XXXX, XXXX, XXXX miles away. The card was immediately flagged as " suspicious '' and I confirmed via email I did not authorize. A new card was issued but the disputed, fraudulent charge was carried forward. That was six months ago. Multiple contacts via phone, emails and two lengthy letters describing in detail how this charge was fraudulent and not authorized have not resolved the issue despite constant assurances it is being addressed. Now, late payment and interest charges have been applied to the unauthorized charge which I refuse to pay unless I receive evidence I somehow am responsible. I have contact, per instructions, and sent documentation but in six months, despite repeated assurances, the only communication received from CitiBank/Sears are notices from collection agencies.

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 2023-06-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NEW YORK COMMUNITY BANCORP INC
State: AZ

Complaint narrative:
Somehow I missed recording our new mortgage payment amount which we were allegedly notified of in XX/XX/XXXX. So we have continued to pay the old monthly amount of {$1500.00} until receiving a notice this week that we had an overdue payment for XX/XX/XXXX and with the XXXX payment due we owed a total of {$3200.00}, which is completely false and misleading. Every monthly check to Flagstar Bank had cleared our bank every month up to and including XX/XX/XXXX. 

Upon calling Flagstar to find out what was going on, they told us that they did not show any payment as received if it wasn't for the correct amount due. So even though we only owed ( as it turned out ) {$18.00} to Flagstar, the Flagstar statement said we owed {$3200.00} on the XX/XX/XXXX statement. On prior XXXX statements ( XXXX, etc. ), my erroneous payment of {$1500.00} was duly recorded and credited with no notification that it was incorrect ( I don't always look closely at the mailed statements as I pay bills through our local bank, but I sure will now ) and NO balance due shown. 

Further, Flagstar said they had notified us of the erroneous payment and today emailed us a letter we had not seen dated XX/XX/XXXX which said the total amount due is {$1600.00} and to bring the loan currrent, we should pay that amount plus {$79.00}. Furthermore, the same letter noted we had paid an erroneous amount of {$1500.00} ( which amount we had never paid, only the monthly {$1500.00}, all of which we can document ). The Flagstar numbers sent to us, together with their statements, that they never recorded XXXXshort ' payments ( some of which they certainly did ) and then to bill us for more than {$3000.00} when we owed {$18.00} smacks of flim flam, customer manipulation, or the worst computer system in the history of the world. I told them we would complain to the CFPB as their practices seemed at the best confusing, and at the worst unfair, deceptive, and fraudulent.

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 2023-06-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Received an email that an application was opened with Wells Fargo. I have put freezes on all XXXX credit bureaus so I'm not sure how my information is still being used. This happened on XX/XX/2023. I called Wells Fargo they declined the application and stated it was ran through transunion. I called them and they have no report of an inquiry. I checked all XXXX credit bureaus as well, they are all showing freezes.

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 2023-06-30 00:00:00
Product: Credit card or prepaid 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:
I have scheduled travel within the next 8 days and I wanted to open a credit card account with a promotional incentive on which to charge my travel expenses. I considered several cards and elected to choose Capital One. My foremost concern was the ability to receive the new card prior my travel upon approval of my application. In my due diligence... I decided to contact a Capital One Venture Rewards Credit Card Representative over the phone to confirm that I can get the card shipped to me on an expedited basis upon opening the new account. The representative told me that yes I could pay a {$16.00} fee to have the card expedited and shipped out within 3 days and I would have it in time. I said great and asked if he could take the application over the phone. He instructed me that I had to apply first online and get approved. I asked him how then would they know to expedite the card shipment and collect the fees? He said once the application is approved I can call back to this department at XXXX they would then look up the application and process the expedited delivery. PROBLEM : I completed the application, was approved and called back and after speaking with a representative and a supervisor I was told that they can not honor what I was told and that it would be 7-14 days before I got the card. 

This is a breach of their verbal agreement with me as the card is now useless for the purpose I intended. This application resulted in a Hard pull on my credit report a step I would have never taken with Capital One if I had known it would take 7-14 days to get the card. I would have simply searched for another creditor who could meet my objectives. Now I am still left with doing so and yet another hard pull on my credit. 
Capital One misrepresented their terms on credit card delivery to me, failed to deliver as promised and caused harm to my score and further caused me to unnecessarily open a new account with them. This is bait and switch. They should provide some restitution for this or deliver as promised. I last spoke with the supervisor ID # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30 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.

The letters are stated with items and issues.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX XXXX.. again acct ending XXXX this acct is paid off and i closed 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 2023-06-30 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: EQUIFAX, INC.
State: TN

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 XXXX XXXX XXXX. 

Account name : # XXXX of XXXX XXXX XXXX  15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Im highly disappointed in Bank of America for falsely denying my claim. Ive had recently encountered my sister that I was roommating with stealing my personal information to steal money from me. She has filed my taxes for the last XXXX years, which gave her access to all personal information including social security number. When I filed for edd unemployment, I didnt receive my first card. When I received my second card, I called to activate it & bank of america informed me that there was a card active. I then asked for purchase information and they informed me that Theres been multiple XXXX transactions on the account. I was so confused but most of all scared. Money was being stolen from me. I was only staying with one person, this same person which was my sister has all of my identification info. She has created a XXXX account under my name, added the bank of america edd card to XXXX, to send thousands of dollars to other accounts as soon as my money hit my card. Then proceeded to also steal my middle class act refund debit card to make purchases. I called bank of america to dispute XXXX  transactions just for them to deny my claim. I will attach several screenshots of my sister going back on her word, I will also attach screenshots of her trying to get me to play as my dad to fraudulently pick up phones from XXXX XXXX XXXX since me and my dad shares the same name. She has also used a debit card of mines before and called the XXXX number to dispute transactions herself and left a statement to call representative stating that she has falsely used the debit card thinking that it was her dads, which is not true because in order for her to activate my card she needs to give my entire social security number. A total amount of {$14000.00} has been stolen from my through XXXX because of my sisters doing. Bank of america has done nothing to help me, in fact it only took them 8 days to justify that I have authorization for someone to use my card which is also false because I NEVER RECEIVED MY CARD. When I did receive my card, I did emergency XXXX XXXX transfers off of my card just so my money wouldnt not be stolen again.

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 2023-06-30 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:
Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter.

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : 15306 Please remove it from my credit report. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX  Account Number : 31192 Please remove it from my credit report.

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 
XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The following personal information is incorrect Account Number : NAME : 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 2023-06-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/2023, I received a consolidation loan from a federal XXXX XXXX. XXXX of the stipulations of the loan was that I was to close my account with Chase Credit Card XXXX. A letter stating I wish to close my account, and a check to payoff the balance at the time ( based off the amount online ) was mailed out on XX/XX/2023. The payment was received by Chase and applied to my account on XX/XX/2023. The day they received the payment and letter should have been the date my account was closed ( if not date of payment receipt then day after which would have been XX/XX/2023 ). On XX/XX/2023 there was a charge from XXXX for {$20.00} and change that I did not remember was connected to the Chase card. However, since my Chase card should have been closed I thought I would receive an email from XXXX stating payment was rejected and to add a new payment method ; that did never occurred. During the month of XXXX, I began receiving messages about a past due amount on my Chase account. I checked the Chase account to make sure it was closed, and was shocked to find I had an overdue balance of {$130.00} and change. This was when I realized the XXXX charge was never rejected and that on XX/XX/2023 an interest fee of {$84.00} and change was charged to my account ; an account that should have been closed at the beginning of XXXX per my letter. I messaged Chase about the situation and asked that the interest charges and late fee be removed. They replied stating that the late fee of {$29.00} and interest charge of {$1.00} was removed. I also stated that per my letter that they received in late XXXX XXXX, my account should have been closed. I let them know that I would pay the XXXX charge that was charged to the account, but requested to have the {$84.00} interest charge removed. They replied that they could not remove the interest because it was a residual interest charge and that any further requests to remove the charge would be ignored and denied. I stated that it was unfair that my account should have been closed prior to the interest charge being assessed and stated that they were a horrible company to treat a long time customer like this ; a customer who liked their company and would usually pay on time. Since sending my last message I have not heard back from Chase, even though I received an message stating my message was received and I should hear back in 2 business days. It has been 4 business days.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-30 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: TX

Complaint narrative:
Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX Data Breach here Is proof.

I was a victim of Identity Theft and I already asked you to block these items in my previous letter.

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Delete this account. 

there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 
1. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-30 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information.

In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution.

I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private.

Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title. 
Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 


1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  Account Number : XXXX Delete this account.

Company response to consumer: Closed with non-monetary relief