vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
In XX/XX/2023, my vehicle was broken into, and my wallet, containing vital personal items including my bank card, was stolen. Subsequently, I promptly notified them to request a replacement card. Despite numerous attempts over the past twelve months, I have yet to receive a replacement card. Every time I reached out, I was met with excuses regarding delayed shipments and my address always being input incorrectly because I have an accent and speech impediment that makes it hard to understand me. 
Throughout this ordeal, my account has been subjected to wrongful imposition of interest charges and late fees, despite my consistent efforts to address the situation and pay off my actual balance. Despite my attempts to rectify these erroneous charges, the company has persisted in its unjust actions, further exacerbating my financial distress. To make matters worse, my account was abruptly closed without prior notice, and I have been unfairly subjected to negative reports on my credit history for non-payment of a card that was never issued to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 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: NJ

Complaint narrative:
Under FCRA it is numerous inaccuracies on my credit file. 15 USC 1681

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-20 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: IN

Complaint narrative:
I did not initiate these accounts, and I strongly suspect them to be fraudulent. I kindly request that you thoroughly investigate and promptly remove them from my credit report. I have provided supporting documentation to substantiate my claim.

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 2024-03-20 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Frequent or repeated calls
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NM

Complaint narrative:
They have called me day in and day out about the Collection and Ive tried to set up some type of payment but they didnt wan na work with me I called asking for some proof showing that after I make a payment that I can get a paper showing that I started the payment they said they cant give me anything till debt is paid in full

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 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: VA

Complaint narrative:
On XX/XX/XXXX, I called Citibank for unauthorized transactions that I viewed on my account. Spoke to a representative and she seemed to be very helpful at the time. She said that my card would be expedited and that I would receive it within 2 to 3 business days. She always so said that they would waive the expedited fee. I was grateful for this and ended the call. Unfortunately with Citibank mobile app if your card is unblock, you can't use the app to verify and monitor your own account until you put an atm card number. Friday the XXXX came and no card. I waited until the XXXX, called and spoke to representative who said that the card was not expedited and was sent through first class mail and that " I should definitely receive it by tomorrow '', which was the XXXX. The XXXX comes no card. I look online at the Citibank page on my computer and it said card expected to be delivered by XX/XX/XXXX. XX/XX/XXXX comes, mailman hands me my mail and there's no letters from Citibank or whoever sends the card. I called Citibank again in the XXXX, to find out what's going on and upset that I don't have access to my funds since there is no branch near me to access my funds. The representative tells me that the card was supposed to be delivered by the XXXX. So he said they would resend a new card and actually expedite it. I am waiting.

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 2024-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I believe FCRA 605B mandates the removal of any inaccurate accounts from my credit report. Could you please review the documents? Several of the listed accounts are incorrect, and it's causing me discomfort

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 2024-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Dear CFPB, I am writing to inform you about a recent debit card replacement and associated fee on my checking account. 

On Sunday, XX/XX/2024, I attempted to use my debit card at a Bank of America ATM for a deposit. Unfortunately, the transaction was unsuccessful. When I contacted customer service on Monday, XX/XX/2024, I was informed of an issue with my existing card and the need for a replacement. I was advised that the new card would arrive within 1-2 business days. While I received the replacement card promptly on Tuesday, XX/XX/2024, I was surprised to discover a {$15.00} rush delivery fee associated with its issuance. 

My concern lies in two areas : Unexpected Rush Delivery Fee : The customer service representative did not mention this fee during our conversation on Monday. I would appreciate clarification on why the standard delivery option was not offered, and how I might avoid similar charges in the future. 

Account Security : I was further concerned to learn that the reason for the card replacement was a suspected fraudulent activity report. While I understand the importance of security measures, I did not report any fraudulent activity on my account. It would be helpful to receive more information about the nature of this suspected activity and the steps taken to protect my account. 

I kindly request a review of this situation and a potential reversal of the rush delivery fee. Additionally, I would appreciate further details regarding the security concerns that led to the card replacement. 

Thank you for your time and attention to this matter. 

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 monetary relief
Consumer complaint received 2024-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
It is imperative that you correct this mistake promptly. I respectfully ask you to conduct a thorough inquiry into the situation and accelerate the removal of these unauthorized accounts from my credit report as swiftly as you can. Your immediate focus on this issue is highly valued.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I currently have a Capital One credit card. Recently, I was very ill, which resulted in a temporary loss of income, which resulted in my ability to pay my credit card bill for XX/XX/2024. The total amount of the bill that was overdue was {$8.00}. It was past the 30 days and Capital One reported the overdue payment as late to the credit bureaus. I have since brought my account current. I reached out them via mail and explained the situation and kindly asked them to remove the late payment reported on my credit bureau since that has a great impact on my credit score. They did not agree to do that, unfortunately, and stated that they reported accurately. Although it may be accurate, I feel that there are instances where certain situations allow forgiveness, especially since I have an impeccable payment history with this company and all other credit cards companies I have accounts with.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
my score is not showing up on equifax

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XX/XX/2024 I called the company ( Capitol One ) in regards to a {$120.00} interest charge made on XX/XX/2024. The agent told me it was because the introductory APR had expired. I had asked the date of the expiration, and was told how that interest accrues based on the last 2 statement cycles but no date was provided. I paid the balance in full on XX/XX/2024 to make sure the card was paid. I contacted the company on XX/XX/2024 to ask for the charge to be removed since I didn't know the expiration date of the promotional 0 % APR and it was not included in any statement or document since the account was opened. Per section 1026.7 ( b ) ( 14 ) that date must be provided on periodic statements. I asked again can you please provide me with the exact date when the promotion expired, two agents ( XXXX XXXX XXXX ) could not find such date even after looking for a total of 49 min. Instead I was told that balance transfers would automatically accrue interest. This account never had a balance transfer to which I was told to go to a website to learn how to calculate interest rates, but the date was never provided. Finally the agent XXXX ( Agent # XXXX ) told me that she could only put my comments in feedback to the company, but nothing could be done because the promotion had expired, to which I asked again can you please provide me with the date the promotion expired and she repeated herself that she could provide my feedback to the company and I ended the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc
State: DC

Complaint narrative:
I received texts and emails welcoming me to Chime Banking followed by a debit card in the mail. 

I did not open the account. 

Contacted Chime and closed the account, which took quite a bit of time as they wanted me to provide personal information I was unwilling to disclose. 

It seems like the company is using account creation as a marketing tool.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I've had a closed Credit card on this business account in the past from Chase, and for the last over a year I kept on getting pop ups with pre approval for the Credit cards in that bank account, so I finally decided to apply, and now they are closing it without saying any reasons, when I did not do any late payments or any other not normal acts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I did not initiate these accounts, and I suspect them to be fraudulent. I request a thorough investigation and their removal from my credit report. Attached are supporting documents.

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 2024-03-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I have consistently made on-time payments, and it is unjust to be penalized with this erroneous entry. I urge you to update my account without delay.

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 2024-03-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I urgently request the removal of this inaccurate late payment from my account. I've consistently made timely payments, and this entry is causing me undue stress. Please rectify this error promptly by updating my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-20 00:00:00
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
On XX/XX/XXXX, I purchased an XXXX XXXX computer ( ORDER # XXXX, with XXXX TB Hard Drive. After just a few months, I started to notice the computer was defective. While researching, I checked the specs on my computer, and realized that I was shipped the wrong item. I had purchased XXXX terabyte of storage, but the computer I was sent contained about 25 % that amount. Because I was sent a less-expensive, inferior product, and due to the defective device, I called Amazon and negotiated a return and full refund. The representative told me very clearly, several times, that first, a partial refund would be processed ( the total amount, minus {$200.00} ) and that as soon as it processed, I should call back to have the remaining {$200.00} refunded. The representative stated several times that this would be no problem, really emphasizing this fact. When the initial amount of the refund was processed, I called Amazon to have the remaining {$200.00} processed. Amazon refused. I told them that they have a recording of the representative telling me the additional {$200.00} would be refunded to me. They acknowledged that I was told this, saying they are not disputing the fact, simply that they refuse to comply with what I was told. On XX/XX/XXXX, I filed a dispute in the amount of {$200.00} with Synchrony Bank, who issues the Amazon credit card I used for the purchase. I received several voicemails saying that they are processing the dispute, and XXXX letter saying it would be resolved within 60 days. I checked my account online and followed-up several times, but was given no information, other than that the 60 days had not been completed, and there were no updates. Today ( XXXX ), I called for an update. I was told that my dispute is still open, that they don't know the status, that the " department '' that handles disputes has no consumer department or phone number, and that Synchrony Bank can not contact Synchrony Bank to get an update. I mentioned that it has been more than the 60 days I was promised since I filed the dispute, and was told that they have no idea when I will get a resolution, what the status is, or even if anything has happened other than the dispute being received. This is not a case of simply not liking a product. Amazon clearly sent me the wrong ( defective ) product, and mislead me. Amazon lied to me, acknowledged it, and refused to fix their error. Synchrony Bank has not upheld their promise to me. I just want my {$200.00} back.

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 2024-03-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I have consistently made on-time payments, and it is unjust to be penalized with this erroneous entry. I urge you to update my account without delay.

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 2024-03-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: IN

Complaint narrative:
I have never been late paying this account. It shows as 2 late payments and target refuses to correct it

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
these 2 reporting companies are not updating my credit report properly, 2 months go by and accounts still reflect same balances. my XXXX  is XXXX and these 2 are in the low XXXX 's

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Complaint Regarding XXXX Bank, Equifax, and XXXX Dear Sir/Madam, I am writing to file a formal complaint regarding ongoing issues with XXXX Bank XXXX Equifax, and XXXX that have significantly impacted my credit score without valid reasons or explanations. 

The crux of the issue lies with XXXX Bank 's attempt to transfer the title of my car solely into my sister 's name, effectively disregarding my ownership of the vehicle. This move appears to be an attempt to cover up the theft of my car by XXXX XXXX and the powerful individuals associated with him. I want to clarify that the car rightfully belongs to me, XXXX XXXX, and my sister was merely a cosigner on the loan. 

Moreover, in their recent response to my inquiry, XXXX Bank alleged a late payment dating back to XX/XX/XXXX, despite the fact that I made a {$500.00} teller payment on that same day. They claim this was the only delinquency of more than 30 days on my account and that it remained unreported until XXXX when I paid off the account. This information is inaccurate, misleading, and raises serious concerns about the integrity of their reporting. 

Furthermore, Equifax recently dropped my credit score by XXXX points and XXXX XXXX points without providing any valid reasons or explanations. This recurring issue has persisted for over a year, causing significant distress and harm to my creditworthiness. 

I am seeking your urgent intervention to rectify these discrepancies and ensure fair and accurate reporting from both XXXX Bank and Equifax. Specifically, I request the following actions : Equifax Score Drop : Investigate the sudden drop in my credit score by XXXX points and provide a valid explanation for this action. 
Stolen Car Situation : Review XXXX Bank 's response and ensure that they address the theft of my car situation appropriately. 
I believe that fair and accurate credit reporting is essential for maintaining financial stability and trust in the banking system. Your prompt assistance in resolving this matter is crucial, and I appreciate your attention to this ongoing issue. 

Thank you for your time and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I did not initiate these accounts, and I strongly suspect them to be fraudulent. I kindly request that you thoroughly investigate and promptly remove them from my credit report. I have provided supporting documentation to substantiate my claim.

Company response to consumer: Closed with non-monetary relief