vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-14 00:00:00
Product: Credit reporting, credit repair services, 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:
In accordance with the Fair Credit Reporting and XXXX Acct 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 602 A. Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

In accordance with the Fair Credit Reporting and XXXX  Acct XXXX and 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 602 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 2022-06-13 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: The Outsource Group, Inc
State: NC

Complaint narrative:
" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the XXXX major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I have a Conns credit card through synchrony bank. I have NEVER missed a payment or paid late. They took my credit line from {$1000.00} to {$200.00} when I called to inquire as to why I was told due to recent inquiries on my credit report. I explained that I was in the process of purchasing another vehicle for my logistics company that has expanded. So I am basically being penalized for expanding my business. Their action reflected negatively on my credit report and caused me to loose points. I was also told I paid my bill in full before the statement date is another reason they dropped my limit and to show this is a pattern with them synchrony put a hold on my Sams Club card for paying it in full before the statement date.

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 2022-06-13 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: U.S. BANCORP
State: MO

Complaint narrative:
I received a " right to cure default letter '' on XXXX XXXX letter stated in part " if you pay {$110.00} by XX/XX/XXXX, you may continue with the Cardmember Agreement AS THOUGH YOU WERE NOT LATE. I paid {$300.00} on XX/XX/XXXX which is only 2 days after the notice and 19 days prior to the deadline. The Cardmemeber Agreement states in part " The first time your payment is late, a late payment fee of up {$30.00} WILL BE ASSESSED. If another payment is late during the next 6 billing cycles, a late payment fee up to {$41.00} WILL BE ASSESSED. '' So per the " RIGHT TO CURE DEFAULT '' which incorporates the " Cardmember Agreement '' by reference then there should be no late fee, nor any action resulting from the late payment. The reporting requirements are also included in the agreements that I signed which discuss the procedure for reporting late payments. I will save that portion for the court because the bank has these documents and they know exactly what they contain. These are the words of US BANK themselves. They have now been put on notice via these previous complaints. All correspondence from the bank will be used in small claims court or federal court. If the bank chooses to change venues then requested relief and damages will be increased to the maximum possible penalty to account for time, and other factors. You can use diversion and deflection tactics but a contract is a contract. I'm an ordinary man but I'm determined and I've successfully fought cases in state and federal court. I am really not the person who will go away. I am also mailing a goodwill letter with an alternative demand letter in case the goodwill letter is not honored. I have included medical documents showing that I was injured on the job and unable to work from XX/XX/XXXX through XX/XX/XXXX. XXXX compensation insurance did not pay me for 3 months. And it was a partial payment. My life was literally in shambles and US Bank is exerting all of their might to either ignore my grievance or refuse relief. If a man is drowning then you have to excuse him for not remembering to call in to tell his boss that he won't make it to work. I am divulging all of this information because I am merely preserving the record. It boggles my mind how a company can be so persistent to deny people their rights. Even when those rights were extended directly by the company themselves. I will sue, and I will win. This all so unnecessary as the remedy I am asking for is completely reasonable. Any alternative interpretation of the law will be decided by a judge.

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 2022-06-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Grain Technology, Inc.
State: TX

Complaint narrative:
I use grain technology which is an online credit card and I have emailed them more than 5 times a day for the past 2 weeks and no one has responded back to me and I have {$350.00} that I can withdraw and cant get into my account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
To whom it may concern, My name is XXXX XXXX XXXX, social XXXX I have reviewed my TransUnion credit report and noticed a few hard inquires that I did not ask for. This is a written request for the following hard inquires to be removed. I have called TransUnion and the creditors and was given the run around about this situation. If not resolved in 30 days I will have to contact the Consumer Financial Protection Bureau once again. If you have any questions or concerns, feel free to contact me at XXXX or email at XXXX Thank you, XXXX XXXX XXXX Hard Inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-13 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: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
Am an ID theft victim, unknown since Covid. I filed police report, filled out id theft affidavid for IRS. Lost all myt savings almost went broke bc brain XXXX and trying to get XXXX. I have not had credit and only have my car payment which i have never been late. I am XXXX american and deserve to have credit like everyone else affords. I have the governement form that I sent to TD bank to get a personal loan to recover from id theft and gave TD bank the paperwork to fill out. They did nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 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: CITIBANK, N.A.
State: OH

Complaint narrative:
Hello, Since XX/XX/2022 I have reached out to Citi Reward Credit Card.. concerning a dispute. 
I paid my acct off XX/XX/XXXX ' And have never used my card since.. Then fraudulent charge came on my card.. I disputed it and they removed it. 
In XX/XX/XXXX ' Another fraudulent charge was on my card.. They said they would just give me a new card... 
XX/XX/2022 I received a new card. I never used the card but then they started saying I owed them money.. I called and told them I've never used the card and they said I would have to speak with supervisor. No one ever came to phone... 
I called back and waited several times on hold for XXXX min at a times only for them to hang up on me or no one would come to the phone.. this has been going on for months now. 
I am being Harrassed over and over again by Robo calls saying I am past due. 
. I've sent emails. phone calls sent them a letter, and a chat... .No response I've rpt this to my credit bureau.. Now theyre saying I owe {$65.00}????

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 2022-06-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
To whom it may concern, My name is XXXX XXXX XXXX, XXXX XXXX I have reviewed my TransUnion credit report and noticed a few hard inquires that I did not ask for. This is a written request for the following hard inquires to be removed. I have called TransUnion and the creditors and was given the run around about this situation. If not resolved in XXXX days I will have to contact the Consumer Financial Protection Bureau once again. If you have any questions or concerns, feel free to contact me at XXXX or email at XXXX Thank you, XXXX XXXX XXXX Hard Inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX

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 2022-06-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Delete this account XXXX XXXXXXXX for violation of sectioXXXX XXXX XXXX failure to enter the required notice of dispute within 30 days of receiving the initial dispute letter. The Initial dispute was acknowledged by Transunion on XX/XX/2022. Acknowledged by XXXX on XX/XX/2022. Acknowledged by XXXX on XX/XX/2022. Delete for violation. 

Delete this account XXXX Bank XXXX for violation of section 623 for failure to enter the required notice of dispute within 30 days of receiving the initial dispute letter.The Initial dispute was acknowledged by Transunion on XX/XX/2022. Acknowledged by XXXX on XX/XX/2022. Acknowledged by XXXX on XX/XX/2022. Delete for violation.

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 2022-06-13 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I purchased a hotel on XXXX XXXX. However, I was charged for XXXX different hotel rooms, at different hotels, on the same night. I only booked and used XXXX. The other one was never checked in. 

I disputed the incorrect charge, and Citi credited the account and resolved the dispute in my favor. 

However, after I had opened a CFPB complaint with Citi for a separate dispute for defective merchandise that both Citi and XXXX refused to reimburse, Citi reopened this hotel dispute in retaliation for my CFPB complaint, and recharged my account for the {$360.00} that they previously recognized as incorrect, resolved the dispute in my favor and credited my account, and made the credit permanent.

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 2022-06-13 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: IN

Complaint narrative:
I reached out to the credit bureaus about a problem on XX/XX/XXXX and they have yet to respond. my biggest issue is that the bankruptcy there roporting doesn't belong to me I even reached out to the bankruptcy court and they sent me a letter saying that they do not report so how this information is on my credit I have no idea but i would like it to be removed right away

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I reached out to the credit bureaus about a problem on XX/XX/XXXX and they have yet to respond. my biggest issue is that the bankruptcy there roporting doesn't belong to me I even reached out to the bankruptcy court and they sent me a letter saying that they do not report so how this information is on my credit I have no idea but i would like it to be removed right away

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 2022-06-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act the attached creditors have violated my rights as far as unauthorized inquiries. 

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. 

I did not perform or authorize these inquiries.

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 2022-06-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
On or about XX/XX/2021 my wife and I separated. I was rendered XXXX and jobless and destitute by her actions. USAA Bank contacted me regarding the separation and the separation of our finances and other services. XXXX of XXXX my wife files for divorce. XXXX of XXXX my estranged wife intercepts my mail, withholds it from me, opens it and steals the IRS tax credit check of {$500.00} issued solely to me and mailed solely to me. I notify the bank when I receive notification of a deposit. My estranged wife had maintained an account with {$0.00} in it in both our names. I had tried to remove my name and or close it the previous may but was refused as she was the primary.My estranged wife had stolen my check, signed her name to it, and deposited it in the account via mobile deposit then immediately transferred it to a different account solely in her name. The bank essentially shrugged its shoulders and said there was nothing they could do.but i told them to remove my name on the account and do not cash or deposit anymore checks in my name on the account. My estranged wife repeated the crime again in XXXX, XXXX and XXXX despite my repeatedly notifying them that the checks were stolen and fraudulently deposited without my signature or permission.all told a total of {$2200.00} was stolen from me by my estranged wife despite my warning the bank and reporting it to the XXXX XXXX police department. I was told today that the bank will not be considering it to be fraud of any type and I don't have any recourse through them. My estranged step son works for the bank and I have absolute proof of the crimes. Yet they will do nothing to the criminal nor make me whole for the crime they were complicit in. This is wholly unacceptable as numerous laws as well as their own account rules and regulations were broken by my estranged wife 4 times. 3 times after I had given advanced warning it was occurring

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 00:00:00
Product: Credit reporting, credit repair services, 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:
The Credit Bureaus stated my accounts were properly investigated Complaint ID : XXXX, but how is this be possible if the opening date is inaccurate, and the date last reported is not accurate. 
XXXX Funding Account # XXXX XXXX Funding Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX # XXXX This is grounds for removal that also violated my rights under 15 U.S.C 1681 section 602 A. States I have a right to privacy. 15 U.S.C Section 604 A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. Also the Credit Bureaus took more than 30 days to complete my investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 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 order merchandise from XXXX. After reviewing all the customers reviews and trying to decide what size to order, XXXX sent the incorrect sizes, items received was nothing like the pictures shown, sizes were XXXX sizes which was extremely small. The shoes order was XXXX sizes and the wrong sizes, color. I disputed my transactions with chase for {$380.00} and received a letter of denial, chase took {$380.00} out my account and left my account on negative. I lost {$380.00} to merchandise, I cant use. Why is XXXX accepting these vendors from XXXX. The XXXX hair received had lice in the bundles, I reported all this to my bank, this is unbelievable, I am owed a refund of {$380.00} back to my bank account. After I received the merchandise, I was diagnosed with XXXX, I am convinced, with these XXXX vendors on XXXX selling in America, and sending incorrect items to America thats XXXX invested. I have proof that I cant even put my leg in any of the merchandise, everything was extremely too small. They were all XXXX sizes

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 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: CITIBANK, N.A.
State: TX

Complaint narrative:
I purchased a hotel on XXXX XXXX. However, I was charged for XXXX different hotel rooms, at different hotels, on the same night. I only booked and used XXXX. The other one was never checked in. 

I disputed the incorrect charge, and Citi credited the account and resolved the dispute in my favor. 

However, after I had opened a CFPB complaint with Citi for a separate dispute for defective merchandise that both Citi and XXXX refused to reimburse, Citi reopened this hotel dispute in retaliation for my CFPB complaint, and recharged my account for the {$360.00} that they previously recognized as incorrect, resolved the dispute in my favor and credited my account, and made the credit permanent.

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 2022-06-13 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX Account # 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 a 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 2022-06-13 00:00:00
Product: Credit reporting, credit repair services, 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX Account # 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 a account without my written instructions

Company response to consumer: Closed with explanation