vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: MN

Complaint narrative:
I opened my bank account about a month ago, but unfortunately, my debit card got lost in the mail. After waiting for XXXX days, I called the bank to request a replacement card to be sent to my new address. Meanwhile, as I needed to purchase furniture for my recent move, I attempted to use a friend 's bank account to send them money, planning to use their debit card temporarily. However, I encountered a limit on the amount I could send, which the bank informed me couldn't be changed. So, I split the payments to stay within the limit. Later, I had an issue where XXXX of the payments didn't go through, prompting me to contact the bank again. They opened a ticket, but the issue resolved itself later that day. Recently, when trying to make a purchase using XXXX XXXX, I found that my bank account was frozen. Despite speaking to customer service for XXXX days, the issue remains unresolved, causing me significant inconvenience, especially during my move.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 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: CT

Complaint narrative:
DATES XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I SPOKE TO XXXX XXXX IN REGRAD TO DISCHARGING THE ACCOUNT FOR BEING OPEN FRAUDUALENTLY WITHOUT OUT MY CONSENT ON XX/XX/XXXX I PROVIDED THEM WITH ALL MY DOCUMENTS AND POLICE REPORT AND SIGNATURE SAMPLE SHOWING THAT THE ACCOUNT WAS NEVER OPEN BY ME AND THAT I NEVER ATTENDED THE SCHOOL THAT IS ASSOCIATED TO THE PROMISSORY NOTE. THIS ACCOUNT WAS CREATED FRAUDULENT BY THE SCHOOL TECHNICAL CAREER INSTITUTION.

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 2024-04-01 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: CT

Complaint narrative:
DATES XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I SPOKE TO XXXX XXXX IN REGRAD TO DISCHARGING THE ACCOUNT FOR BEING OPEN FRAUDUALENTLY WITHOUT OUT MY CONSENT ON XX/XX/XXXX I PROVIDED THEM WITH ALL MY DOCUMENTS AND POLICE REPORT AND SIGNATURE SAMPLE SHOWING THAT THE ACCOUNT WAS NEVER OPEN BY ME AND THAT I NEVER ATTENDED THE SCHOOL THAT IS ASSOCIATED TO THE PROMISSORY NOTE. THIS ACCOUNT WAS CREATED FRAUDULENT BY THE SCHOOL TECHNICAL CAREER INSTITUTION.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 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: CT

Complaint narrative:
DATES XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I SPOKE TO XXXX XXXX IN REGRAD TO DISCHARGING THE ACCOUNT FOR BEING OPEN FRAUDUALENTLY WITHOUT OUT MY CONSENT ON XX/XX/XXXX I PROVIDED THEM WITH ALL MY DOCUMENTS AND POLICE REPORT AND SIGNATURE SAMPLE SHOWING THAT THE ACCOUNT WAS NEVER OPEN BY ME AND THAT I NEVER ATTENDED THE SCHOOL THAT IS ASSOCIATED TO THE PROMISSORY NOTE. THIS ACCOUNT WAS CREATED FRAUDULENT BY THE SCHOOL TECHNICAL CAREER INSTITUTION.

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 2024-04-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I've made it a point to always submit my payments on time with this account, ensuring that there are no instances of overdue payments. Yet, I'm puzzled by the appearance of late payment remarks linked to my accounts. Referring to the guidelines outlined in 15 USC 1666b regarding billing errors, I believe corrective action is necessary.

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 2024-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: HEARTLAND PAYMENT SYSTEMS INC
State: NC

Complaint narrative:
I had a forbearance due to being on a XXXX leave from my job. The forbearance ended and I did not realize it. I received a pre-acceleration notice from ECSI on XX/XX/XXXX giving me 30 days to either pay or resubmit a request for a postponement or deference or cancelation. I promptly submitted another forbearance application as my XXXX leave had been extended. 

On XX/XX/XXXX ECSI sent me an email informing me that I needed to contact them by XX/XX/XXXX to pay past due interest from the first forbearance in order for my application to be processed and if I did not do so by that time my application would be denied and I would have to reapply. I reached out on XX/XX/XXXX to make the arrangements to pay the past due interest in order for my application to be processed. Instead of being able to do so, ECSI informed me that my loan was placed in collections on XX/XX/XXXX, even though I had submitted a forbearance application well within the 30 day time period to do so. 

I asked the chat representative XXXX how to fix this and was repeatedly told the XXXX XXXX XXXX owned my loan and could send it to collections whenever they wanted. She also could not tell me whether XXXX still owned my loan or had sold it to XXXX XXXX XXXX. She also refused to allow me to speak with a supervisor. She told me I would have to call the XXXX number but they probably wouldn't do anything for me either. She also refused to give me any contact information for the XXXX XXXX XXXX to contact them directly. I asked if there were any options for XXXX accommodations for communication other than phone and was told there were not. 

I have attached screenshots to demonstrate the dates and conversation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I made XXXX mobile deposits. One was a Personal check for {$1800.00}. And one was a money order for {$200.00}. When I went online e to check to see if they had been credited to my checking account I couldn't gain access. I called BMO. The clerk who answered told There was a hold on all XXXX of my accounts and I needed to speak with the fraud department. I tried calling them but it WAS the weekend. On Monday I called the fraud department and Was told it was indeed on hold and The clerk questioned me about what was the reason I got a check for {$1800.00}. What did I sell or Purchase. The only mention of the money order id deposited was they can be fraudulent too! I explained that I'd called the writer of the check and he told Me it had cleared his account already. 
The clerk told Me the hold was totally random and it was For the purposes of mitigating potential fraud. And told Me My account would be in the hold Position until XX/XX/year> possibly longer. That was Three+ weeks away. 
After stressing on this for four days i Called the fraud Department back to explain I had bills that were to be paid automatically plus all my other bills as Well that Needed to be paid. that's when she told that My account was suspected of fraud, not a random check! I Explained that the personal check had cleared already and asked If there was a Problem with the money order! She replied, I don't know, is there something you want To tell me?. This clerk treated me As if I was a criminal not like a customer of their bank. 
I then asked for a Supervisor. She put me on hold for about 10 minutes and came Back and said one wasn't available. I requested a call back and have heard nothing. 
Meanwhile I'm getting late fees on my credit card bills and its damaging my credit. My mortgage isn't paid, and I have no access to my accounts to buy basic living essentials. 
My request is they return my account to normal and pay the late fees I accrued because of this unwarranted extended hold on my accounts. I will Provide them with a detailed list of the bills that were missed and Late fee amounts. I want a Representative to call me To make this all right. 
.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Throughout my history with this account, I've consistently maintained timely payments, never allowing them to lapse into overdue status. The existence of late payment remarks on my accounts perplexes me. I refer to 15 USC 1666b, which mandates the correction of billing errors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-01 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
On or around XX/XX/year>, Experian removed XXXX XXXX from my credit score due to an erroneous placement of a Repossession from XXXX XXXX XXXX XXXX This error was removed after multiple escalations and CFPB complaints. Experian has never rectified the amount of points lost, or attempted to restore these points due to credit profile. 

On XX/XX/year>, Experian again removed XXXX XXXX from my credit score due to an erroneous placement of a Repossession from XXXX XXXX XXXX XXXX. This error was removed after multiple escalations and CFPB complaints. Experian has never rectified the amount of points lost, or attempted to restore these points due to credit profile. 

Furthermore, once XXXX was ordered by the CFPB to remove the tradeline from my credit profile, Experian allowed the tradeline to remain, further damaging my credit profile.

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 2024-04-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I am paying for a high end card the citi prestige card and one of the advertised benefits is the 4th night free 2x a year. You book for 4 nights and pay for 3 nights.

The issue is the prices to receive this paid for benefit with my card are incredibly high. For example, the pattern is that citi is asking me to pay super inflated prices per night to get the 4th night free. This applies for any hotel around the world. This renders the benefit useless. I am paying for a premium card, a heft XXXX a year card and not receiving the benefit. It is a scam. How can I receive the 4th night free if I have to pay 1.5x the price of what is offered on the hotel site directly or ironically with your partner XXXX? It is not a real benefit and highly deceitful. I will not provide tons and tons of examples but search for any example online on the hotel 's website and then compare to the inflated prices on citi.com This is a scam I complained on XXXX, someone called with no authority and left a message. 
Who is going to use this " benefit '' and pay more to get the fourth night " free '' instead of paying less to book direct with the hotel instead of citi.com

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 2024-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My credit score was damaged because of a missed payment and high was caused by a faulty system by Chases ACH debit block. I. Three separate occasions I attempted to add XXXX XXXX XXXX as an approved payee through my chase business account. I received confirmation in my online banking portal on each occasion. Each time, Chase blocked the debit resulting in a missed payment. This missed payment also caused XXXXXXXX XXXX  to close a credit card that I had for 9 years. The combination of the missed payment and losing that card has significantly damaged my credit and prohibited me from new credit opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC
State: TX

Complaint narrative:
This account is fraudulent and does not belong to me, this debt is unable to be validated. 

I have never had a XXXX account. According to 15 USC 1692 ( G ) This needs to be removed immediately or I will take legal action. 

JEFFERSON CAPITAL SYSTEM Reported : XXXX. XXXX, XXXX + {$2000.00} Opened XXXX XXXX, XXXX ( XXXX XXXX  ) Account status Open Type Derogatory Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original Creditor Name XXXX XXXX  Closed No Info

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX Date of inquiry : XXXX XXXX XXXX XXXX || Date of inquiry : XX/XX/2022

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 2024-04-01 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: PA

Complaint narrative:
I looked at my report on XX/XX/2024, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer report agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
I sent a letter asking them to reinvestigate these accounts listed below because. 

In accordance with the fair credit reporting act convergent, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my right. 

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 2024-04-01 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: PA

Complaint narrative:
I looked at my report on XX/XX/2024, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer report agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
I sent a letter asking them to reinvestigate these accounts listed below because. 

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my right. 

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 2024-04-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc.
State: NJ

Complaint narrative:
XXXX on or about XX/XX/2023, I fell victim to a multi-layered scam operation run by XXXX ( XXXX  ) which involved me making deposits for a total amount of XXXX XXXX and XXXX XXXX  ( XXXX USD ) from my Crypto.com account to fraudulent investment firm ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 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: FL

Complaint narrative:
Unauthorized credit card account opened and showing on credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 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:
Unauthorized credit card account opened and showing on credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 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: FL

Complaint narrative:
Unauthorized credit card account opened and showing on credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

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 2024-04-01 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:
I FOUND THOSE 3 FRAUD INQUIRIES AFTER VIEWED MY CREDIT REPORT. DELETE THOSE FRAUD INQUIRIES XXXX XXXX INQUIRY DATE : XX/XX/2023 XXXX XXXX XXXX INQUIRY DATE : XX/XX/2023 XXXX XXXX INQUIRY DATE : XX/XX/2023 ALL THOSE FRAUD INQUIRIES WAS NOT AUTHORIZED AND SHALL DELETE FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
I recently paid a balance in full on XX/XX/2024, with Capital One, and on XX/XX/2024, a {$44.00} fee was placed on the account. I called in to inquire why the fee was there and how it was calculated. No one could initially tell me. I called again and was later told daily interest. As a long-standing customer, I asked to have the fee removed and was told I could not have it removed. When I inquired why I was told factors were in place but I was not allowed to know what those factors were. It had nothing to do with me never having a fee waived before or my loyalty as a customer, just the fact I was not allowed to know why.

Company response to consumer: Closed with explanation