vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-29 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
I originally had a my best buy store card with an {$8000.00} credit limit which had never missed a payment on. I had a balance of just under {$2000.00} but with promotions which made it 0 % APR for 12 months. On XX/XX/XXXX I got my mail and received a letter from Best Buy stating that they have upgraded my store card to a XXXX  card and that they would transfer all my balances over to it. I never authorized this change and never wanted an upgraded card. On the same day, XX/XX/XXXX I called the customer service line on the back of my original store card ( XXXX ) and asked why they changed my card without my permission. They said they they sent me mail in XXXX asking to me to either authorize this change or opt-out, but I never received said mail. I asked to speak to a supervisor about this because the original customer service representative told me that it was past the point of return and I would have to stick to the new XXXX  card. After speaking with the supervisor he ensured me that the card could indeed be reverted to my original store card and that nothing would change, including the card numbers from my original card. On XX/XX/XXXX I called again to ask for an update on the changes because I received a new statement from Best Buy stating that my card was still a XXXX  card, still never one I agreed to have. After speaking with a representative again and getting the same speech of it not being reverted, I asked for a supervisor. When I was transferred they told me that they have no record of me ever having called them about the issue and I was stuck with the new card whether I liked it or not. ( How could they not know I called if I literally received emails after that call to review the service? ) I asked to speak to a different manager, and they told me my only option was to pay off the balance in full, close the card, and re-apply for the store card again. 

They forced me to pay off a promotional balance with a 0 % APR and close the card. Then they told me that if I wanted my original card, I would have to reapply, which would mean a hit to my credit score. 

How can credit card companies force their customers to pay off a balance with a promotional APR in full just so I don't get the 0 % interest benefit for the year??

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 2023-09-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
I am the victim of fraud. Please remove all fraudulent items immediately. My identity has been compromised three times since XXXX. During COVID and in XXXX, I have reported this to the local police department. in XXXX Mi as well as the FTC. I've also placed a freeze on all three credit bureaus here is a list of the fraudulent inquires and accounts number one is XXXX, XXXX, state of Michigan office XXXX, Texas XXXX 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 2023-09-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
I purchased a XXXX XXXX from XXXX XXXX in XXXX Fl and at the time of our I added gap insurance as well as an extended warranty. I recently traded on the XXXX XXXX on XX/XX/XXXX in which was paid in full to Suncoast Credit Union. I contacted XXXX XXXX to cancel my aftermarket products and obtain a refund for the unused portion and was advised they do not handle these types of requests and asked me to contact the dealership. I called XXXX XXXX and was advised I could only make a request to cancel the products with the finance XXXX who sold the products to me. After calling several times because he was out of the office or assisting other clients. I spoke to the Finance XXXX who stated I could only cancel the products if I came in to the dealership. I advised him that wasnt possible as I live XXXX  hours away. He stated he would email me the forms. I have yet to receive them and have called and left several messages with no return call. It should not be this difficult to cancel these products and it seems Suncoast Credit Union should have some level of responsibility in assisting me to get this done. XXXX XXXX seems to have some deceptive practices in all of the parameters they are putting in place to complete this task. It shouldnt matter who I talk to to cancel the products the process should be consistent across the board.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29 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: NC

Complaint narrative:
On the report of my open account with XXXX XXXX XXXX  credit card the balance owed is inaccurate reflecting {$53.00} owed which is amazingly right at the 10 % mark to cause a hefty decrease in my score. I have never owed that particular amount in the entire history of my accounts opening is why I am certain when the company told me they never gave a report to Equifax saying this, they were telling the truth and my monthly statement backs it up. 
On XXXX or XXXX closed XXXX  XXXX accounts Equifax reports that these accounts are Deferred and has added Remark codes to these accounts which are adversaries towards my score. 
Equifax continues to keep inaccuracies on my report to keep me disputing them month after month never allowing a real resolution and hindering my score from being where it should be and any loan or credit I am attempting to establish will never reach it's full potential.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC.
State: WA

Complaint narrative:
I've requested to file XXXX separate grievances ( employees all say different things ) ; I've talked to supervisor, and he took abusive action : illegitimate and retaliatory financial withholding. 

Employees blatantly lied to me about business practices and when I should receive my debit card. 

I'm receiving discrimination from this company. 
Currently the supervisor has locked me out of my account because I told him after all the negative experiences I don't want to bank with Ally and plan to utilize Chime or something instead. In retaliation he locked me from access to my accounts stating he couldn't verify my identity when I've jumped through every hoop created, answered every security question correctly ( I refused to verbally provide my full social because I'm in a domestic XXXX shelter around other people it would place undue risk on my information, but I did provide the last XXXX ) and have provided my government issued identification twice and have answered every former address related question, mother 's maiden name and every other question under the sun correctly. 

I've wasted a significant amount of time on the phone lines trying to repair their errors with no compensation and no positive results. 

I still not having access to my funds. Ally has gone above and beyond to create barriers, lie to me, and refuse me access to my own money. 

These calls were all recorded. Please investigate this poor practice. 

Sincerely, B.S., XXXX, Ph.D. in Human Services Canidate Please take this complaint seriously.

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 2023-09-29 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 explanation
Consumer complaint received 2023-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-29 00:00:00
Product: 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I XXXX XXXX, still have not gotten the information I requested. 
My claim keeps getting denied. 
I never received the card or activated the card that had the charges that totaled {$880.00}. 

The fraud department only sent me proof that the card was actived and the charges that were made. I have asked if they could tell me what ( 1 ) phone number was used to activate the card, ( 2 ) if the person knew my SSN, and ( 3 ) if they have a photo of the person making the charges.

I never saw that card and I did not activate it. I did not give anyone permission to use my card. 

I filed a police report because this was the second time my XXXX funds were stolen. Your system does not protect the vulnerable. My police report number is XXXX. A copy of the report is in my file. 

My husband and I have been back and forth in the hospital he is dealing with XXXX that has spread all throughout his body. We need all of our money. The missing {$880.00} has caused a lot of bills not to be paid. 
Please make this situation right.

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 2023-09-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
On XX/XX/2023 at approximately XXXX, I called American Express XXXX retention department at XXXX. My platinum card had just had the {$690.00} annual fee hit on XX/XX/2023. I called and asked if there were any current retention offers on the account. The representative said no, there were not. Or if there were, I deemed them not worth accepting at that time. Then, I needed to get off the phone, as I had arrived at work. The agents normally like to go thru a long, contrived process whereby they ask if they kept you from closing the card, etc etc etc. That is for their own internal job success metrics. I repeatedly said, loudly, 'DO NOT CLOSE THE CARD! DO NOT CLOSE THE CARD! ', before hanging up. 

Regardless, the agent, probably annoyed that I didn't stay on the phone to participate in their XXXX minute question and answer question, closed the account without my request or consent, after more than 7 years of card membership, without my permission, after I hung up. My guess is the agent did this because they were annoyed that I did not stay on the phone for all of the questions. 

I have spent hundreds of thousands of dollars and paid thousands of dollars in both annual fees and merchant transaction fees, and Amex still closed my account without checking, completely as a petty response to me not wanting to waste time answering the agent 's questions. 

The next day, after noticing my card had stopped working, I called Amex retention back at XXXX at XXXX and spoke with XXXX XXXX XXXX informed me that my account had in fact been closed and that AMEX would not be reopening it, even though I did not request it be closed. He did not go back and listen to the calls, he just flat out refused.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

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 2023-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MS

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 explanation
Consumer complaint received 2023-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AL

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 response to consumer: Closed with explanation
Consumer complaint received 2023-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have reported this many times with XXXX XXXX to fix across the board to no avail

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 2023-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

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 2023-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AL

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 explanation
Consumer complaint received 2023-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Self Financial Inc.
State: MA

Complaint narrative:
DEAR SELF LENDER ; CREDIT BUREAU ; XXXX XXXX XXXX XXXX XXXX ; I am writing to dispute an inaccurate late payment notation on my credit report. These late payment was wrongfully reported on my account for SELF FINANCIAL/LEAD XXXX  ACCT # XXXX XXXX - as being late on my credit report. 
However these late payments are incorrect, inaccurate, and violations of my credit report and privacy, and I have proof on-time payment for those months. Having inaccurate late payment on my credit report are damaging my credit score and ability for any company to extend credit to me.

Therefore, I request that you immediately DELETE these late payment on my credit report, and please send me detail notification of correction once completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I made a payment at the beginning of XXXX of 2023. Capital One charged me a late fee of {$28.00}. I have attached a screenshot showing that I attempted to make the payment on XX/XX/XXXX, but they still charged me the laste fee anyway. I attempted to call land resolve the issue and the rep said that if I continued to engage in free speech that he would end the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
My federal student loans became private without my consent. Seeking cancellation and discharge of student loans.

Company response to consumer: Closed with explanation