vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Dear representatives of The Consumer Financial Protection Bureau, I hope you are doing well in Washington D.C. I'm writing to you because I want to file a complaint against the credit card company Citibank. I applied for the XXXX XXXX XXXX XXXX XXXX XXXX  from Citibank last XX/XX/XXXX. 

They have been giving me a very hard time and they don't want to activate my credit card even though I was approved for this credit card since XX/XX/XXXX. 

They are very mean and rude to me on the phone when I'm calling them. I got two very mean representative based in The United States who sounded like that were XXXX to me on the phone when I was speaking with them. They sounded like they were from one of the southern states. 

I'm originally from XXXX, XXXX and I'm a naturalized XXXXXXXX XXXX. I have a little accent when I speak the XXXX language. 

I applied for this credit card on XX/XX/XXXX and I was approved for this credit card the same day. I got approved for my new credit card last XX/XX/XXXX. 

They told me that they were mailing me the credit card in a few days. I was waiting for this credit card for around 13 days. I finally received it on XX/XX/XXXX during the night.. 

I tried to call the credit card customer service around 4 times with the intention to activate my credit card. I have an XXXX XXXX XXXX XXXX Account. I fly with them sometimes especially inside The United States. 

I want to link both accounts, I have many miles in my miles account and I want to preserve them but I'm not able to do it because my credit card customer service is not letting me activate my credit card. That's not right. 

Two of the representatives were telling me by phone that they saw attempted fraud activities. The credit card didn't arrive until XX/XX/XXXX in the night and the envelope with the credit card was completely sealed when I get it. 
I provided the customer service with my name, credit card number, date of birth and secret word that is my favorite teacher 's name.I also provided them with my code number that I received in my I have wasted hours of my time because of these credit card company employees and I called this XXXX number several times. 

Two representatives of the credit card company hang up the phone on me in a very rude way and one representative didn't call me back when he couldn't hear me even he promised to call me. 

I don't know what else to do to activate my credit card. 

I will appreciate your help and cooperation in order to resolve this matter. 

Respectfully yours, 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 2023-10-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Business and Consumer Solutions.
State: FL

Complaint narrative:
I received a letter from FCBS, Inc, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, PA XXXX, Ref # XXXX, requesting that I dispute an assumed debt of {$2300.00}. 

I responded to them within the 30 days limit timeframe with a debt validation request letter. To this date they have not responded, but the assumed debt continue to shows up on my credit report as a derogatory item.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 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: NV

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

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 2023-10-30 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: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
Dear XXXX, On XX/XX/XXXX, XXXX XXXX, I bought an airplane ticket from kiwi.com for {$540.00} departing from XXXX on XX/XX/XXXX and arriving at XXXX. The ticket confirmation email is attached below. 


However, as soon as I received the above confirmation for the ticket, I realized that I accidentally bought the ticket for XX/XX/XXXX instead of XX/XX/XXXX. This happened because the default ticket calendar page that opened on XXXX 's website showed XXXX dates instead of XXXX dates, and because the dates were represented numerically, I made a mistake and purchased for the wrong month. 

XXXX 's mobile app and website asked me to call customer support for cancellation or date changes. I called kiwi immediately and explained them the situation. They said that whether I change to a different date or cancel the ticket, they would only refund ~ {$10.00} instead of the {$540.00}, even though it was only couple minutes before that I had purchased the ticket. That would have effectively meant no refund. It turns out, this is a scam kiwi regularly engages in and is well-documented at its XXXX page here : https : //en.wikipedia.org/wiki/Kiwi.com # Controversies So, I told XXXX that I don't accept their offer and that I would dispute the transaction through my own credit card company. This call happened between XXXX and XXXX XXXX on XX/XX/XXXX. 

I then proceeded to buy the second ticket with the correct date, which was XX/XX/XXXX, this time for the price of {$560.00} on XX/XX/XXXX, XXXX, immediately after my call with kiwi XXXX The email for the second purchase is attached below. 



Afterwards, on XX/XX/XXXX, XXXX ET, I contacted Apple Card via imessage to dispute the transaction for the first ticket. 

In summary, the time span between buying the first ticket, contacting kiwi, buying the second ticket, and contacting Apple Card support happened within XXXX minutes. 

I have been disputing this transaction since XX/XX/XXXX, which was 6 months ago. Goldman Sachs keeps refusing my request. From my perspective, if Apple Card is not going to protect me in moments like this, then why am I using Apple Card over my XXXX XXXX through Chase, which has protected me during even more difficult situations? 

If there is anything else you want from me to finally resolve this dispute in my favor, please let me know. I have spent over {$110000.00} through my Apple Card since XXXX. If XXXX XXXX XXXX not going to honor my request, then please proceed to cancelling my credit card because I do not want to be a customer to a bank I do not trust anymore. 

In my opinion, a fair resolution to this complaint would be the refund of {$540.00} and a reprimand of kiwi.com for the unfair situation it puts their customers. 

thank you in advance

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 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: OH

Complaint narrative:
Credit profile mismatched and keeps changing personal information that does not belong to me. I have enclosed a notarized affidavit of identity so that my name is shown correctly on my credit profile XXXX XXXX XXXX Please update all bureaus

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 2023-10-30 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: NV

Complaint narrative:
Kindly remove this to my credit report. This is causing me a lot of stress and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 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: LEXISNEXIS
State: AL

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.

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 a 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-30 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: FL

Complaint narrative:
Under 15 U.S.C 1681c. 

From early this year to present date of XXXX Companies from XXXX XXXX, Equifax and XXXX. Have published my personal debt without authorization and would like for them to be deleted immediately. These are grounds for discrimination against me and scope of investigation without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 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: FL

Complaint narrative:
Under 15 U.S.C 1681c. 

From early this year to present date of XXXX Companies from XXXX XXXX, XXXX and XXXX. Have published my personal debt without authorization and would like for them to be deleted immediately. These are grounds for discrimination against me and scope of investigation without my consent.

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 2023-10-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Grain Technology, Inc.
State: FL

Complaint narrative:
This company requires you to contact them to change your account number in order to make a payment. The do not have a customer service phone number and require you to email them. I have sent several emails regarding updating my linked account so that I can make my payment. I also mailed a money order that was received on XX/XX/16 per the tracking which also states the mail was delivered and left at the reception desk. That payment still has not been applied to my account. Now they will be reporting late payment against me when they have no way that I can make the payment. This is abuse and unfair practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
My online account was locked due to suspicious activity, and I was given a number ( XXXX ) to call to unlock it. When I called, I was told the wait time was over an hour. It is unfair to expect customers to spend hours on hold, without knowing if the representative will be able to solve the problem, in order to access their own money. 

Many other people have reporting having this problem with Chase for years : https : //www.reddit.com/r/Chase/comments/foygeh/account_locked_for_suspicious_activity/

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
I called the money card from XXXX money card and complained about how I had been scammed out of {$2500.00} and gave them the account number and routing number to the account of the scammer and transaction details. And they and regions bank would not reverse 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 explanation
Consumer complaint received 2023-10-30 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: AL

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.

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 a 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 2023-10-30 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: MS

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

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 2023-10-30 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: CT

Complaint narrative:
On XX/XX/XXXX, I purchased a {$100.00} XXXX card from XXXX. I mailed the card to my mother as a XXXX 's XXXX gift. When she went to use the card at a store, it was invalid. When we called the number on the back of the XXXX card to inquire, we were told the funds were already used and taken out. A case was opened on XX/XX/XXXX by XXXX XXXX ( my mother ). Case # XXXX. All information required by XXXX was provided - picture of mother 's license, picture of card, picture of XXXX receipt. I followed up on XX/XX/XXXX and I myself resent all the information by email to XXXX. Since then, I have called to follow up on getting a replacement card on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Each time I am told that they are working on it and it is going through approval. On XX/XX/XXXX, they told me they mailed the replacement card, but we never received it. They told me they would follow up with me in 48 hours, but never did.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 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: MI

Complaint narrative:
A hard inquiry XXXX XXXX XXXX XXXX XXXX ) has been added to my TransUnion credit report without my permission.

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 2023-10-30 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
After filing complaint XXXX the company closed the complaint and said they sent me the response directly but I have yet to receive anything and the last response was still sent to XXXX XXXX XXXX XXXX despite my address supposedly being updated several times to reflect the correct address of XXXX XXXX. Ive submitted documents showing that my sponsor has always had the correct address since starting my unemployment claim and that it has remained the same since, but XXXX XXXX claims she cant update my address without it being updated by my sponsor even though XXXX has my correct address and has contacted and escalated the issue with BOA at least XXXX times to correct the issue to no avail. My account still has not been credited and I have yet to receive the requested documents and statement. I want my funds immediately!

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 2023-10-30 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: MS

Complaint narrative:
I am requesting that it will be removed from my credit report as soon as possible.

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 2023-10-30 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Foris DAX, Inc.
State: SD

Complaint narrative:
Crypto.com is holding my money XXXX  going on over a month. They won't provide me any information as to what is going on, they just keep telling me that they need more time. On XX/XX/XXXX I was told that the balance remaining on my visa card would be transferred to my XXXX wallet where I could then send it to my bank account. That is not the case. They keep saying they just need more time while my remaining balance is being held XXXX without reason or explanation. This company seemingly is being ran by XXXX XXXX. Scam. Company could care less about its customers even if they have made thousands off me in absurd fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 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: AL

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.

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 a 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-30 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: FL

Complaint narrative:
Kindly remove this to my credit report. This is causing me a lot of stress and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: World Acceptance Corporation
State: MS

Complaint narrative:
We live here in XXXX mississippi XXXX my father pays mortgage every month however he passed away last XX/XX/2023, so i have to continue paying the said mortgage and since My father passed away and its me now paying the mortgage under my ssi income.. i am requesting to transfer the deed trust under my name. yet the public people 's finance company here in XXXX Mississippi doesnt seems want to do it. I am now seeking an assistance how can i go about that? Im under XXXX and im only defending from my social security income and i am hoping that there would be assistance from government that is available for me? Please answer me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: MA

Complaint narrative:
o Whom it May Concern, I financed a new vehicle with Santander Consumer USA on XX/XX/23. The amount I financed was {$38000.00}. 
I received my first statement From Santander on XX/XX/23. The statement date was XX/XX/23. The statement noted the payoff amount was {$38000.00}. I sent a check to Santander the following week for the payoff amount. 
I received another statement from Santander in the week of XX/XX/23. The statement date was XX/XX/23 and the payoff amount was {$38000.00} which was a {$100.00} increase over the statement I received just a week before. 
I called Santander and noted that I had already sent a check for the first payoff amount of {$38000.00}. The Santander rep I spoke to said they would honor the first payoff amount. 
I called Santander customer service on XX/XX/23 to ensure the account was paid and found that there was still a {$140.00} balance due. I then spoke to XXXX, rep ID XXXX, about the issue and explained everything to her as noted above. She noted there was nothing she could do. I paid the remaining balance via debit card. 
I am seeking to have Santander honor the first payoff amount, as the first rep I spoke to said he would, and refund the excess {$140.00} amount I had to pay to close the account. I also think I am not the first person they did this to and there are likely other citizens who have also been subject to this fraud. 

Thanks for giving this your attention and I hope to hear from you soon.

Company response to consumer: Closed with explanation