vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Hello Officer, Greetings. 

I opened the CITI bank account on XX/XX/XXXX, with depositing more than {$50000.00} dollars. The promotion should give me {$600.00} dollars if I maintain the balance of {$50000.00} for 90 days. 

I didn't get any promotion reward. 

I started to contact CITI on last month, from online to offline. They tried to send me to the branch, but there is no branch at where I live now. 

I also contacted the XXXX XXXX XXXX XXXX branch, where I opened my account. I called several times for solution, they only tole me that they are on investigation. For now, I didn't get any calls from them. It's me calling them again and again. 

I just want to my promotion reward back now, after depositing my {$50000.00} for more than two years, I should get the reward. 

Thanks

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 2021-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
We are in the process of applying for a refinance on our home. Previously received an incorrect score from Equifax and the problem occurred again today. I previously attempted to dispute the information online at Equifax but was unable to proceed due to message " you currently have no negative information ''. I then ordered a complete credit report with a score. The credit report / score provided to me does not match score being reported to a lender. I called Equifax and spoke to representative who advised he was unable to assist me as the data he was looking at did not match what was reported to lender. 

Per report provided to lender on XX/XX/2021 Equifax score was XXXX Per report provided to lender on XX/XX/2021 Equifax score was XXXX. 
Unable to dispute online as there is no negative information on the file Credit score received directly from Equifax on XX/XX/2021 is XXXX I have documentation for all of the above.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
PayPal has charged me 4 months worth of late fees even though my account was closed. My only charges were late fees as I rarely used it for purchases. I paid one last late fee in XXXX, but the next month 's late fee was assessed and a 4 months of {$40.00} late fees and {$2.00} interest charges were assessed since then. SO I am essentially paying late fees on top of late fees. There are no debts to vendors. I have told hem this is punitive but they keep contacting me. At most I have 1 final month of late fee owed - posted after I thought I closed my account. They refuse to be reasonable. 

One representative said I was unable to close the account because it was associated with XXXX. That made little sense.

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 2021-08-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
Approx. XX/XX/2019 My homeowner insurance company moved out of state cancelling my policy. Shellpoint Mortgage Services began paying for my insurance. On XX/XX/2019 Shellpoint was notified on their site that we had supplied our own insurance for the year. Shellpoint has continued to pay monthly insurance premiums in spite of this communication. Once our escrow was depleted we were requested to pay an increase without notification of the reason. I have on numerous occasions proved we have up-to-date with insurance. We have been paying extra for about 20 months. recently we've been harassed to pay extra funds to make up escrow amounts and have been charged penalties. I have spoken to 8 or 9 persons from XXXX XXXX XXXX, XXXX and Collections divisions indicating either we owed or were getting refunds for the errors. I received calls after XXXX XXXX  one evening from both Collections and XXXX XXXX. I've asked Division level staff to get involved and have been promised return calls that never happened. I am still awaiting resolution and am concerned about my credit rating.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX Bank closed credit card against my will and without reporting to me because of " delinquency '' -harming my credit, while an active dispute of fees and interest was still going on due to XXXX directly affecting managing of bill payment correctly ( not lack of funds ). Need correction of " delinquency '' report to credit and approval of reopening of card ( as I need it to use my unexpired reward certificate ) XXXX-Reward certificate expired for companion fare that had already been paid for with annual fee, due to active XXXX symptoms preventing recreational travel planning. Requesting either reinstatement of certificate with 1 year of eligibility from reissue date, or refund of {$75.00} annual fee

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 2021-08-20 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Luckmore Finance
State: MS

Complaint narrative:
On XX/XX/2021, Luckmore Finance authorize and UNAUTHORIZE payment to my debit card without my permission. Ive expressed my concerns with a representative of Luckmore Finance ( XXXX ) regarding this matter numerous of times and explained to them that they do not have a right to authorize my debit card whenever they want. I was told several times by more than one employee that Luckmore has the right to authorize your card if the account is delinquent and processed to email me documents ( XXXX ) which clearly does not state their claim. 

On XX/XX/2021, I spoke to the CEO/Owner of Luckmore Finance, XXXX XXXX and expressed these same concerns to him regarding his employees informing clients that they have the right to authorize payment without the permission of the client. He stated he will investigate this matter, but I fully aware that he knows about this because his employee XXXX stated, this is what they tell us to tell clients if were questioned. Luckmore Finance is practicing unethical and illegal acts to clients who are delinquent on their account. Since my account has been delinquent, Ive noticed several illegal acts towards my credit report/credit file. To further know that Mr. XXXX is FULLY AWARE of these illegal acts, when I got off the phone with him on XX/XX/2021 @ XXXX, I received a notification from XXXX XXXX @ XXXX stating I had a new injury on my account and low and behold it was from LUCKMORE FINANCE! 
I have not lived and the state of Louisiana for 2 years and have not applied for any new accounts with Luckmore Finance. 

Luckmore Finance has intentionally reported false and inaccurate information to the credit bureaus, I have noticed several hard inquires on my credit report and inaccurate late payments. Due to these inaccurate and illegal intentions, this has caused me major stress as I am trying my hardest to purchase a home before the new year. Luckmore has ruined my credit worthy to other potential lender due to the inaccurate and false information that being reported to the credit bureaus. 






Pursuant to 15 USC 1602 ( p ) unauthorized use, ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. 




Luckmore Finance committed several FDCPA Violations Illegal or unethical communication tactics Taking or threatening illegal action False statements or false representation. ... 

Improper contact or sharing of info. ... 

Excessive phone calls

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Hello, I recently reviewed my Credit Profile and see numerous unauthorized inquiries. I have also reached out to each lender but they have ignored my request. These fraudulent negative factors are tarnishing my credit profile. PLEASE REMOVE AT ONCE! This violates 18 US Code 1028A- AGGRAVATED IDENTITY THIEF. I have placed a security fraud alert on my SSN to avoid instances like these in the future.

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 2021-08-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
In XX/XX/XXXX I noticed a fraudulent charge of {$2.00} from XXXX on my Synchrony SamsClub credit card. I immediately called Synchrony to report the fraudulent charge. They recommended I talk with XXXX  for resolution. I called and emailed XXXX over the next couple of months. Ultimately, they said they could not find where the charge was coming from, what it was for and did not see it on my account. But they said they could not stop the charges because they couldnt find it. They recommended that I have my credit card number changed. I called Synchrony and had my credit card number changed TWICE in the past 3 months to resolve this issue. I have been reassured by multiple managers/supervisors that the issue was resolved, and then on the next statement, the charge continues to happen. My new statement ( XX/XX/2021 ) shows a charge of {$2.00} from XXXX ( XXXX of the month, mostly ) and I fully expect another in XXXX. I have now been told by Synchrony that I need to dispute these charges again and that new cards automatically renew recurring charges ( even though the last supervisor assured me this wouldn't happen ). I am at a loss of how to resolve this issue besides cancelling my credit card.

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 2021-08-20 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
I have been trying to get Equifax to fix my account with them direct for 2 years. I Tried again today XXXX, the agents tried with 3 different email address and could not fix the issue.

I change 3 different browser at there request, it did not work. 

THEN THE AGENT ASK ME WHY DO I WANT MY CREDIT REPORT? 

are you kidding me! what are they reporting on my credit report? 

my complaint is please fix my account so I'm able to get a credit report directly from Equifax like the rest of America.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I sent a debt validation request letter to the credit bureua Equifax and they only sent back a credit report showing the incorrect and falsely claimed derogatories with the account # 's ( XXXX, # XXXX, # XXXX ). The dates of my certified mail receipt is XXXX. The amounts for these derogatory claims are {$700.00}, {$440.00}, and {$650.00}. I also sent a debt validation request letter to XXXX XXXX XXXX which is the original creditor and with same amounts stated above, and the same claim numbers stated above. I never got a response letter back from XXXX XXXX XXXX at all, as if the company doesn't exist. The date for this letter was on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 00:00:00
Product: Credit reporting, credit repair services, 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 attached three accounts that all are reporting inaccuracies to all three of my credit bureaus. As per the FCRA anything thing reported in my name to all three of the credit bureaus should be reported 100 % accurate. I would like to have these accounts deleted due to not following the FCRA and reporting 100 % accuracy to all three of the credit bureaus. I have attached highlighted pictures of the accounts with the inaccuracies. I have attached highlighted pictures of the accounts reporting inaccuracies

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 2021-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have attached three accounts that all are reporting inaccuracies to all three of my credit bureaus. As per the FCRA anything thing reported in my name to all three of the credit bureaus should be reported 100 % accurate. I would like to have these accounts deleted due to not following the FCRA and reporting 100 % accuracy to all three of the credit bureaus. I have attached highlighted pictures of the accounts with the inaccuracies. I have attached highlighted pictures of the accounts reporting inaccuracies

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: HI

Complaint narrative:
I had a Citibank accelerate savings account. One fine day I open up my account to check my balance and discover that my account has been blocked. There was no reason stated. I call the support line and ask them about it. Kept getting moved around to different departments. I was so frustrated that I asked them to close the account and return my deposit. I also learn that while the account was blocked transfer was occurring between my external bank account to this account on a regular basis. I called my bank and stopped the transfers. The first person I spoke to from the support team said I would receive the check in 30 days. The second one said 14 days. I am yet to receive anything. Today I check my account and it said closed with a {$0.00} balance. These guys are frauds. I want my money 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 2021-08-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: IN

Complaint narrative:
They have literally left messages and texts repeatedly. They called my husband, my daughter who lives in another state, my brother in law 's police department issued cell phone number ( I don't even know this number ). They are randomly calling people with the same last name and leaving messages. I have asked them to cease and desist and they continue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
On XX/XX/2021 I received a check from Citibank via XXXX express shipping for the amount of {$11.00}, XXXX the check is missing {$1000.00} on top of the {$2000.00} missing from the account. 

I called Citibank customer service 6 times over a few hours to get answers for why so much money is missing. I spoke to several reps who confirmed that {$1000.00} is missing from the check. They couldn't access transaction history or account statements for XX/XX/XXXX going forward to XX/XX/XXXX. The agents then transferred me to the fraud department who then informed me that the government took money from the check they sent me. But that is dishonesty on the behalf of citibank because I do not owe any debts to the irs or anyone. So what really happened to the rest of the money? 

On XX/XX/2021 I deposited that same citibank check into my new account at XXXX XXXX. XXXX XXXX said that SOME funds would be available today XX/XX/2021 but when I went to the bank, XXXX XXXX informed me that when they went to collect the funds CITIBANK stopped them and told them that funds wouldn't be available until XX/XX/2021 ... as you can already assume, this another inconvenience and a show of incompetence on the part of citibank and it's offshore customer service department. 

Since XX/XX/2021, I have been unfairly scrutinized and what seems like punished for spending money the way I see fit. Since XX/XX/XXXX, I have been humiliated and my life flipped upside down due to the extremely petty way that citibank has decided to scrutinize me. 

I still have NOT been informed of what I did wrong OR how my account ended up under a fraud investigation. It's now XX/XX/XXXX and citibank is still being dishonest in how it's handled my account. I have been waiting for WEEKS to see account statements and such. There is ALSO a LARGE sum of money missing. 

My mother died and her insurance left me that {$15000.00} check that I deposited into CITIBANK. It's been XXXX trying to do the things I need and it's also been hard to mourn my mother with having to constantly worry why citibank has decided to steal money and withhold answers when I've proven countless times that I am the account owner. 

You can see from the attachment below that XXXX was my balance before citibank closed my account. This was my balance on XX/XX/2021. What happened to the rest of the money???? Why is citibank being so shady???? And dishonest. 

Every time I speak to a customer service representative they act as if they don't know anything and can't help with anything and I honestly think it's the employees that stole from my account or did something funny to the account.

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 2021-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
Comenity- New York & Co are reporting the incorrect information with all credit reporting agencies ( XXXX  , XXXX  , and XXXX  ). The creditor ( Comenity Bank/New York & Co ) is stating this account was recently 30 days late for different months per each credit reporting agency ; however, this account was paid in full on XX/XX/XXXX, and later closed by the above mention creditor in XX/XX/XXXX. 

I have reached to Comenity/New York & Co both verbally and in writing, addressing my concerns on the following dates : XX/XX/XXXX and XX/XX/XXXX, and to be informed that their records do not match what the credit reporting agencies are showing, and I will need to dispute this issue, and there is nothing further that can be done on their end. I was told on XX/XX/XXXX that I would receive an email/letter stating that the account has been paid in full, close, and never late. As of today, I have not received anything from Comenity Bank/New York & Co. 

Attached you will find a copy of my last account statement showing the account status, along with the payment history that was obtained from my account summary on the company weboste.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
I am writing to delete the following fraudulent information in my file.The items I need deleted are listed in a word doc attached to this report. 
I am a victim of identity theft and did not apply nor create the illegitimate information included in my credit report.I ask that the items be removed at once. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit.Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Credit Plus Inc
State: CA

Complaint narrative:
I have filed disputes for the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Account Name : CAPITAL ONE BANK USA N Account Number : XXXX Date Opened : XX/XX/2015 Balance : XXXX Reason : Identity theft Please remove it from my credit report.

Company response to consumer: Closed with explanation