vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I scheduled my payment of {$2400.00} to be electronically transfered from my checking account on XX/XX/XXXX and then on the same day Citibank also withdrew {$700.00} which was NEVER AUTHORIZED by me. 

Citibank sent a very confusing email trying to explain this second amount being deducted from my account. No one in my family could understand this email. I notified my bank XXXX XXXX XXXX XXXXXXXX XXXX about the issue on XX/XX/XXXX. Even XXXX XXXX XXXXXXXX could not figure out why Citibank did this and XXXX instantly filed a claim for the {$700.00} which was returned to my account on XX/XX/XXXX. 

Today I received another email from Citibank saying that XXXX XXXX XXXXXXXX would not release these funds and that I needed to notify my bank to release these funds and then pay the {$700.00}. I then called Citibank at the number on the email and I spoke with XXXX different departments. I finally spoke with a representative that said all was fine and not to worry about that email. 

I thought I was done but this afternoon I received another email from Citibank saying I still needed to pay the {$700.00}. 

We can not make sense of any of this. We would greatly appreciate your help. I am very stressed out about this issue because I have an exceptional credit rating and I don't want any problems. All emails are available for your review. Thank you.

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 2023-11-12 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: EQUIFAX, INC.
State: OH

Complaint narrative:
Below are a list of several inquiries that are reporting on my credit profile and have not been authorized by me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated any rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( Section 604 a section 604 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2023-11-12 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX # XXXX, XXXX XXXXXXXX XXXX  # XXXX, XXXX XXXXXXXX XXXX # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

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 2023-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
An adversary can sign up to experian with my SSN and birthdate and de-facto take over my account on the website, since their new registration will supersede my old one. Security researchers like XXXX on security have discussed this for years and Experian has done nothing to address it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12 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: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
XXXX XXXX recently alerted me to fraudulent activities and unauthorized credit inquiries made using my personal information. Specifically, credit cards were opened under my name with XXXX XXXX XXXX XXXX XXXX Wells Fargo XXXX and XXXX ( XXXX ) on XX/XX/2023 and XX/XX/2023. I want to emphasize that I did not apply for any of these credit cards or allow anyone to run my credit. It's important that I take immediate action to report these fraudulent activities and protect myself from further financial harm. 

XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2023 Wells Fargo XX/XX/2023 XXXX ( XXXX ) XX/XX/2023 and XX/XX/2023 I never gave any consent or authorization, nor did I apply for any of these credit cards from the Companies listed above. I definitely did not give permission for anyone to run my credit. 

According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or incomplete information in your credit report. Additionally, I have the right to request an FCRA deletion which requires the credit reporting agency to delete any information that can not be verified as accurate. Call to action to delete all credit applications of these companies that made the unauthorized inquiries and request that they close the applications and delete any associated information.

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 2023-11-12 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: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
XXXX XXXX recently alerted me to fraudulent activities and unauthorized credit inquiries made using my personal information. Specifically, credit cards were opened under my name with CXXXX XXXX, TD Bank XXXX, XXXX XXXX XXXX and XXXX ( XXXX ) on XX/XX/2023 and XX/XX/2023. I want to emphasize that I did not apply for any of these credit cards or allow anyone to run my credit. It's important that I take immediate action to report these fraudulent activities and protect myself from further financial harm. 

XXXX XXXX XX/XX/2023 TD Bank XXXX / XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX ( XXXX ) XX/XX/2023 and XX/XX/2023 I never gave any consent or authorization, nor did I apply for any of these credit cards from the Companies listed above. I definitely did not give permission for anyone to run my credit. 

According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or incomplete information in your credit report. Additionally, I have the right to request an FCRA deletion which requires the credit reporting agency to delete any information that can not be verified as accurate. Call to action to delete all credit applications of these companies that made the unauthorized inquiries and request that they close the applications and delete any associated information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A.

States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
In XXXX of 2022, Kohls Department Store reported an inaccurate late payment of a store charge of {$40.00} dollars. 

I have never received a bill in the mail. When I contacted the company they said they sent a statement bill to an unknown address that wasn't mine as my address. The company has mailed me a check for the inconvenience which I have not deposited however the error kept reporting on my credit and dropped my scores for that derogatory information. 

I was told by the rep over the phone they would correct the issue and update my credit. I still have a late payment and this is still on all of my credit agencies and needs to be deleted and compliant with the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or incomplete information in your credit report. Additionally, I have the right to request an FCRA deletion which requires the credit reporting agency to delete any information that can not be verified as accurate. Call to action to delete all late payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am writing to lodge a formal complaint against Chase ( JPMorgan Chase Bank , N.A . ) and XXXX XXXXXXXX XXXX for their handling of a transaction and subsequent dispute that I believe constitutes unfair and deceptive trade practices. 

In XX/XX/2023, I attended the XXXXXXXX XXXX XXXX, where I purchased dance shoes from XXXX XXXX XXXX. The merchant did not inform me that the sale was final. They did not have my size in stock, so they ordered a pair to be delivered to my home. Upon receiving and trying the shoes, I found they caused significant damage to my feet. When I contacted XXXX XXXX XXXX for a refund, they initially refused but later agreed to process a refund upon receipt of the returned shoes. I complied, sending the shoes back at my expense and providing them with the tracking ID. 

However, the situation escalated when I received an email from XXXX XXXX XXXX instructing me not to send the shoes and stating that the return window had closed, a condition never previously mentioned. Furthermore, they demanded additional payment for the return of the shoes. 

Feeling defrauded, I contacted Chase to report the incident and seek a chargeback. Chase initially asked me to await a letter for further instructions. After a delay and miscommunication regarding the letter 's delivery, I was informed that my case was closed and I could no longer submit any evidence. 

This situation has left me without the product, out of pocket for the initial purchase amount of {$210.00}, and feeling utterly disregarded by both Chase and XXXX XXXX XXXX. 

I am seeking your intervention in this matter to : 1 ) Investigate the practices of XXXX XXXX XXXX regarding their sales and return policies. 
2 ) Review Chase 's handling of my dispute, which I believe was not conducted with due diligence. 
3 ) Assist in recovering my funds and addressing the consumer rights violations I have experienced. 
Enclosed are copies of my correspondence with Chase and XXXX XXXX XXXX along with any relevant documentation that supports my case. 

Thank you for your attention to this matter. I trust that the Florida Department of Agriculture and Consumer Services will take the necessary actions to rectify this situation and prevent similar incidents from occurring to other consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Below are a list of several inquiries that are reporting on my credit profile and have not been authorized by me. 
-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 non-monetary relief
Consumer complaint received 2023-11-12 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: OH

Complaint narrative:
Below are a list of several inquiries that are reporting on my credit profile and have not been authorized by me. 
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 explanation
Consumer complaint received 2023-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
SANTANDER CONSUMER USA
XXXX XXXX XXXX XXXX XXXX, TX
XXXX


THE CAR WAS RETURNED AND THE ACCOUNT WAS CHARGED OFF OVER SEVEN YEARS AGO BUT STILL APPEARS ON MY CREDIT REPORT.  IT HAS BEEN DISPUTED IN THE PAST BUT REAPPEARS AND CAUSING FINANCIAL BURDENS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: CA

Complaint narrative:
I opened an account with US Bank on XX/XX/2022 for the purpose of building my credit and my social security direct deposit too. The account had to be opened with a XXXX dollars. 

About a week later I got XXXX loan from XXXX of XXXX. This check was deposited in to the account. A day or so later I try my card that's been closed. 

I have talk with manager who tells me the check is fraudulent. And will be closing account. I've called this lady many times with no results. 

I've also called US Bank fraud department and they tell me check has. cleared and money is banks personal account. They said manager has to release funds and they can't do anything. 

My loan is paid and never got any money from it. Banks address is XXXX XXXX XXXX XXXX CA XXXX Thank you for your time in this matter 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 2023-11-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
On XX/XX/202XXXX XXXX XXXX EST, I scheduled a payment for a one time charge to Resurgent Capital Services L.P . The original creditor was XXXX XXXX XXXX XXXXXXXX. The amount that was due was {$880.00}. The customer service representative that successfully helped me confirm the payment was very informative & notified me that the payment processing would likely take up to 3 days. Today is XX/XX/2023, XXXX XXXX, so most federal institutions are most likely not taking deposits, which means the payment will be delayed for more than 3 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: ALLY FINANCIAL INC.
State: TN

Complaint narrative:
who it may concern ally financial is still showing this account is closed with a Balance .and a repo on my credit file .CONGRESS PASSED THE FCRA LAWS WHICH ALLOW YOU PERMANENTLY REMOVE YOUR NEGATIVE ITEM FROM CREDIT REPORT USING MY 609 LETTERS

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 2023-11-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

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 2023-11-12 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I listed an electronic item on XXXX XXXX for {$250.00} on XX/XX/2023 and the day after ( XX/XX/2023 ) someone reached out with an inquiry to purchase. He first asked bout condition of the device and then said he was interested in purchasing. He said he was busy so he would ask his sister to pickup the item on his behalf and that he would pay me immediately. We agreed to use XXXX. 
He claimed to pay me {$250.00} using my email linked to XXXX, but when I checked my account it wasn't there. I shortly got an email from XXXX telling me that the person has paid but I haven't received the money since my account isn't a " business account '' and therefore my credit is too low to receive the funds. To upgrade my account, the buyer would have to send me an additional {$500.00} to upgrade my account in which I would have to refund it back. 
He agrees to do so and claims to send me another {$500.00} with a screenshot of " proof ''. I then get another email telling me the buyer has payed the extra {$500.00} and that I need to send {$500.00} from my end to an " agent '' of XXXX so that they can release the funds to both parties. I unknowingly sent the money in which I soon realized something was wrong. The scammer then proceeded to pretend that he sent another {$500.00} by mistake and that I needed to send the agent another {$500.00} to release the funds he had sent in the first place but I had cut off communication with him at that point. Finally, he sends me another email which claims if I don't send him the money I will be arrested which I ignored. 
I contacted Citibank which is linked to my XXXX immediately about the scam but they said they could not credit me since I had initiated the payment

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 2023-11-12 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: OH

Complaint narrative:
I had an XXXX business and it fell through because I had a client XXXX at my property. so my lease was terminated. after that situation my financial situation went down the drain. and a month after that I got into a XXXX XXXX and their insurance company took 3 months to get my truck fixed. after those situation I became homeless. I had to move back home with my mother to get my life situated. mind you I'm a single father of XXXX boys.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12 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: TX

Complaint narrative:
I spoke to Private loan about the amount around on the month of XX/XX/2023 and I was inform that I have only government loan which total to 5 loans. On XX/XX/2023 about the private loan amount showing on the account that was not showing prior to XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
My wallet was stolen and fraudulent credit accounts were opened in my name without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MI

Complaint narrative:
My credit card expires in XX/XX/2023 and Im trying to pay my XXXX bill in the month of XXXX and the bank told me that I need to activate a new card before it will allow me to pay my bill electronically

Company response to consumer: Closed with explanation