vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: TFS FINANCIAL CORPORATION
State: FL

Complaint narrative:
I took out a mortgage with Third Federal Savings & Loan Association of Cleveland ( Oh ) on XX/XX/XXXX. At that time I was advised that I could only pay for my XXXX XXXX XXXX via a monthly escrow payment, to which I agreed. Subsequently, and or each successive year, I would receive a letter advising that I needed to provide proof of wind/hurricane insurance ; I advised the bank at both inception as well as subsequent years that I did not have wind/hurricane insurance, however they accepted having themselves named as loss payee on my Homeowner 's Insurance. Each year the letter would advise that I needed wind/hurricane and if I didn't provide proof, they would acquire it for me ; each year I advised them I didn't have the insurance and led me to believe that was acceptable. In XXXX of XXXX I received the same type of letter, and when I advised them I could not obtain coverage they indicated they would get bank-acquired insurance, however they would not provide a policy declaration page or a policy which they subsequently did send a declarations page, however they advised they could not provide the policy. I decided to pay off the mortgage and on XX/XX/XXXX I went to a local branch in XXXX ( Fl ) and when I was advised of the payoff amount, I found out that I had a separate escrow account for previously acquired wind/hurricane insurance, although they never asked me to pay for it, nor did they ever send me proof of any coverage until after I paid-off the mortgage. When I spoke with the bank today, they insisted that they had mailed me the policy for prior year 's coverage, and I advised them that I had never received anything. Further, at the time I paid it off, the Branch Officer could not tell me what the $ {$16000.00} " escrow '' account was for or what it covered. Please note in my attachments I do not have the " warning letter '' I received each year.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 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: AZ

Complaint narrative:
Under 605B, the swift removal of this account is necessary. I am quite upset about its presence on my credit record, so I implore you to kindly erase this account, as it is not associated with me.

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 2024-01-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I am an XXXX XXXX XXXX  member. I was stationed in Louisiana from XXXX. I sent the XXXX reduction letter & orders to Citibank multiple times with no success. IAW Louisiana Laws ( Title 29:312 ) interest should have been capped XXXX  6 %. I arrive XX/XX/XXXX and recieved extension orders from my trade school until XXXX. All are attached.

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 2024-01-25 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: NC

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see the attached documents and letter for the referenced issues from above.

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 2024-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
On XXXX i purchase items for {$70.00} and sent via XXXX through Chase Bank! It is a Fraud Scam on XXXX! She never sent items Never Responds and Wont Refund! She goes by XXXX XXXX on XXXX and had money sent to XXXX XXXX lives in XXXX XXXX Florida

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I recently did an investigation into mu credit and was horrified at what I found, the items being reported were imprecise and untrue, the agency did not make sure what they were reporting was 100 % accurate before playing a detrimental role in my life and placing these items unfairly on my report without the assurance that they are correct

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 2024-01-25 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I have got Lowe 's store credit card by synchrony bank. 

Here is the detailed events as it happened over the months, XXXX : I have used the card to install fencing around my house and that costed around {$7500.00}. It was applied to an promotional balance category. That means that I have about 24 months to pay it off. I immediately setup an automatic payment of {$400.00} towards it. so that it pays off on time. 
XXXX I have bought couple of more items in the store and used the same credit card. The total was around {$500.00}. 
I called and made a payment for that purchase. But in the next statement, It did not pay off those {$500.00}. Instead of applying towards this non-promotional balance and they applied it towards the promotion balance, Even though I specifically asked them to pay it towards non-promotional balance. Due to this issue, the statement shows extra fees, interest, etc. 
XXXX : I called to them to correct this issue and adjust the payment appropriately, so that I don't have to pay the fees. the customer service person told me that this will be corrected in the next statement, but the issue remained. 
I called many times over the months and explained them about the issue. but the issue is not getting resolved. I am still having the balance, interest & fees on the last statement. it is apparent that Lowes / Synchrony bank does not allow users to make the payment towards the non-promotional balance. so that they can charge fees as they like. 
Here is the history of all the phone calls ( I have gathered this after taking with customer service ). 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ( Customer Service - XXXX, XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 monetary relief
Consumer complaint received 2024-01-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: UT

Complaint narrative:
I was a secondary cardholder on an account until XXXX, when the primary cardholder removed me from the account. The primary cardholder later was unable to pay their bill and now I have had repeated calls from American Express or parties that represent American Express to collect this debt. They always ask for the primary cardholder and I tell them that I have not had contact with the primary cardholder since XXXX. I tell them to stop calling me, they say they will stop calling... then they call again. The calls had stopped for 6 months after I made my last complaint to the CFPB ( complaint XXXX ) until they started again, and they're always from a spoofed local number on the caller ID. Recent Call list : XXXX XXXX  XX/XX/XXXX XXXX AM XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-25 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: NV

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

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 2024-01-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I am unable to access the " convert rewards '' portal on my account with Capital One Venture X rewards. This function allows the card-holder to transfer rewards points to various partner airlines ( at a significant " points-to-dollar '' savings to the user ). This transfer rate was a primary marketing function that induced this card-holder to obtain and use the Capital One Venture X card. There is a multi-factor authentication error occuring when this user ( and many others, as reported on various online forums ) which completely bars access to rewards conversion partners, making this " reward '' function essentially useless/inaccessible. I spent over an hour on the phone Capital One Rewards customer service today ( XXXX ) only to be told it is a " known issue '' that they are working on, but at this time no date of resolution can be set. A XXXX thread on this same issue from other users reports many card-holders have been blocked from points conversions for several months already with no resolution. In the meantime, I am unable to transfer points to a partner airlines to book an award flight that I would otherwise be able to book, if the website errors weren't present. Capital One acknowledges the multi-factor authentication errors are on their end, and not a user error. We, the cardholders, have done nothing wrong, and Capital One is now MONTHS into this situation without providing a resolution to this issue. They should not be allowed to advertise valuable rewards benefits to members as an inducement to open an accout and spend money on their cards but then effectively bar all access to those advertised benefits without compensation or successful resolution within a reasonable amount of time. I am requesting that CFPB escalate this issue with Capital One and be sure they fix this issue, or if it can not be fixed, provide reasonable compensation to its affected customers for their fraudulent inducement to use its card for rewards advertised but not delivered. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Credit card — General-purpose credit card or charge 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: CITIBANK, N.A.
State: OK

Complaint narrative:
After waiting longer than a month for XXXX to either give me a partial or full refund, I opened a dispute with Citi on XX/XX/XXXX for {$160.00} and provided documentation on how I tried to resolve with XXXX twice and there was no response or outcome to my complaints. On XX/XX/XXXX they contacted the merchant. On XX/XX/XXXX the merchant responded that the merchant informed us that no credit is due. Based on the information available, we have closed our investigation and reversed our credit. They told me I can still dispute the charge with dates and issues I had with the company. The only thing they provided me for documentation for the dispute being resolved from XXXX was proof that I stayed there. The whole dispute was not due to me not staying there it was due to the issues I had during my stay. I signed the paper to dispute it more and attached all the times I tried contacting XXXX with no response and all the issues I had during my one night stay. I sent them all of my supporting documentation on XX/XX/XXXX. On XX/XX/XXXX Citi responded saying they are working with the merchant or merchant 's bank to obtain a permanent credit for this charge. If the merchant or merchant 's bank will not accept this charge, we will notify you of the reason. We have reissued a conditional credit to your account for this dispute. On XX/XX/XXXX they sent me a letter stating they previously credited my account for this charge. The merchant will not honor their request for credit based on the information I provided them. 
Every effort has been made to secure credit for my account. Since they are unable to obtain compensation from the merchant, my account has been rebilled. They now consider this investigation complete. They regret that we are unable to assist you in this matter. Again, no outcome for my bad stay at the 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 2024-01-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Alliance One, Inc.
State: NY

Complaint narrative:
I was sent a debt collection notice from AllianceOne. Their notice violates several FDCPA guidelines. ( see attachments ) Also, they have not been able to provide any contract saying I'm liable for the debt either from them or the original creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
Denied a credit card in which no consumer shall be denied credit they are denying credit application and selling receivables after I asked them not to attached is the letters inhave sent

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
Fraudulent application submitted XX/XX/25 Called immediately to let Synchrony Bank know Received letter stating application was fraud and hard inquiry would be deleted from report Hard Inquiry has never been removed. I just want the inquiry to be deleted.

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 2024-01-25 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: IL

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. I have attached the necessary documents to support 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 explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My credit report is showing a major inaccuracy and it is causing me unnecessary XXXX  and stress. This error in reporting is affecting my day to day life and more importantly my ability to get a car, which I desperately need. The bureau really failed to make sure that they did their due diligence and did not check the accuracy of their information before reporting which is now taking the larget toll on me and my life.

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 2024-01-25 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: P&B Capital Group, LLC
State: AR

Complaint narrative:
Ive previously submitted a complaint with this company about it being on my credit report and the information being inaccurate. In their response they stated that they no longer owned the account # XXXX and the original creditor was not reporting the account to the credit bureaus anymore. Ive disputed on XXXX XXXX and P & B Capital Group responded to XXXX XXXX that the information they provided was correct and it was not removed from my report. You can see P & B Capital Group state in the complaint # XXXX that the account # XXXX I spoke of is no longer being reported. I disputed the account through XXXX XXXX on XX/XX/2024 and have several times since. They have not sent me information of the debt owed and they still give inaccurate information to XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 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: IL

Complaint narrative:
I am urgently appealing to you to promptly remove the unauthorized ACCOUNTS from my credit report, given that I did not provide authorization for them, and they are causing me significant distress. I implore you to correct this error swiftly.

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 2024-01-25 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:
I am not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 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: GA

Complaint narrative:
My accounts are being improperly reported by 3rd party credit reporting agencies. I do not give consent for the debtors to report any payment history or account statu 's to any credit reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-25 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: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
My accounts are being improperly reported by 3rd party credit reporting agencies. I do not give consent for the debtors to report any payment history or account statu 's to any credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Credit card — General-purpose credit card or charge 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: Klarna AB
State: VA

Complaint narrative:
Made a purchase through Klarna. Did a debt consolidation in XXXX paying off the entire balance. Check from my financial institution was paid and cleared the Klarna bank on XX/XX/2024. My account is not updated as paid. The vendor debits my account monthly for outstanding payments. I have reached out to company on multiple occassions, they have acknowledged receiving the payment, but have still not applied it to satisfy my account after numerous attempts. 

There is no live person to discuss this issue with only a live chat which is useless because they only escalate the matter and you have to stay on the live chat until someone eventually answers. 

Used this method of contact on a number of occasions with the promise that they would get the matter resolved. It is still unresolved today.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 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: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
In accordance with the Fair Credit Reporting Act. PayPal Credit has violated my rights Under 15 USC 1681 Section 6O2 states I have the right to privacy 15 USC 1681 Section 6O4 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USACS 1666B A creditor may not treat a payment on an credit card under an open-end loan as late for any purpose. 

The dates XXXX, and XXXX of 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