vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-23 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: FL

Complaint narrative:
XXXX XXXX Bank recently pulled in credit info on XX/XX/2022 without my authorization to do so. I never requested nor have I inquired about any products or lines of credit from XXXXXXXX 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 2022-10-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
Hi my name is XXXX XXXX in around XX/XX/2022 I applied at some apartments called XXXXXXXX XXXX XXXXXXXX XXXX I paid the application fees they processed my application I was approved. But due to an unexpected tragedy i had to decline there offer. I received all monies owed to them for the application process and I did not sign a lease yet in still I have a debt or collection for XXXX that I didn't have any knowledge of until XX/XX/2022. The debt is also on my XXXX and XXXX Credit Report. I would like a specific and verified breakdown of the services and products that I owe them for. And is the XXXX for because they will not process the application with the application and admin fee paid in full. I'm have also sent a dispute with both XXXX and XXXX by CERTIFIED MAIL, also genesis credit management XXXX will also be notified. 

GENESIS CREDIT MANAGEMENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX WA XXXX *Phone XXXX Thank you for all your efforts and actions XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: UNITED COMMUNITY BANK
State: AL

Complaint narrative:
United Community Bank engaged in unfair and deceptive practices by drafting what I thought was an inactive/closed checking acct for several years triggering an overdraft protection line of credit to pay an insur pmt I'd assumed was long terminated. They then paid the line back with the excess overdraft proceeds remaining in the checking acct. This obviously occurred for years all the while the bank collecting interest with no attempts at notification. They apparently only contacted me after the line of credit reached it's max limit and became past due. 

This company acquired my prior bank, XXXX XXXX, but both had my forwarding address & only recently contacted me demanding past due payments.

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 2022-10-23 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: CA

Complaint narrative:
On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX XXXXXXXX ( Date Opened : XX/XX/XXXX, Balance : {$850000.00} XXXX XXXX  XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX  ( Date Opened : XX/XX/XXXX Balance : {$22000.00} XXXX XXXX ), XXXX ( Date Opened : XX/XX/XXXX, Balance : {$3100.00} ), XXXX ( Date Opened : XXXX, XXXX, Balance : {$3500.00} ), DXXXX  ( Date Opened XX/XX/XXXX, Balance : {$5100.00}, ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$3400.00} ), XXXX ( Date Opened : XX/XX/XXXX, Balance : {$340.00} ), XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$8800.00} ), XXXXXXXX XXXX XXXX ( Account number XXXX, Date opened XXXX XXXX, XXXX, Original amount {$16000.00} ), XXXX XXXX ( Account number XXXX, Date opened XX/XX/XXXX, Original amount {$6000.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2022-10-23 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 — Investigation took more than 30 days
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Auto Loan with BOA is not NOW nor was it previously being reported timely, there is a consistent XXXX ( XXXX ) month lag and at a XXXX Dollars a month [ inclusive ] that would both reduce my Balance and up my equity but at the end of the day it would ACCURATELY be reflected in the current Credit Score [ XXXX ]. 

The prior error of misapplication of Funds has been resolved. BUT BOA is NOT and has not been accounting for payments received by them ( the account is presently paid until XX/XX/2023 while my report reflects only payments through XXXX ) in a timely manner STILL. 

Early payments PAID MUST be accounted for in real time. JUST LIKE balances must be updated monthly on Credit Cards so must outstanding balances on Auto Loans. So the fault is twofold the Reporting Agency : ( 1 ) Reporting Agency, in this case XXXX, refusing to submit [ again ] part of a prior dispute to BOA which to this day has not been corrected, and, ( XXXX ) BOA for not timely reporting ALL payments received and " cashed '' thereby affecting the " current '' balance and payments through 2023.

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 2022-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
On XX/XX/2022 i visited XXXX XXXX! XXXX. I attempted to use their cash advance machine ( XXXX ) as i've done so many times these past months. On this date however, i was unsucessful in completing a transaction because that particular function was down ( as told to me by the employees at the cash booth ). They suggested that i try again later that afternoon which i did -- and several times at that. I still could not complete the transaction on any of the machines i've tried. I kept getting a message saying something to the effect of 'unable to complete transaction go see cashier '. 
A short while later i went home. I decided to check my bank account and found that the amount i tried to get along with the service fee was withdrawn without my authorization. The cash advance machines did not give me an approval message and receipt to take to the cashier booth to process and receive the requested amount ( {$4000.00} + {$160.00} service fee ). At their suggestion, I filed a fraud claim with my bank that same day which has since been denied twice. I stll have not received the documents that i've requested that brought them to this conclusion. I've recently filed both a debit dispute and merchants dispute with the bank - again, at their suggestion but i haven't heard from them yet. Since the incident i have been keeping communications with the casino and the company that provides their cash advance machines XXXX XXXX to sort this out and retreive my funds. The XXXX XXXX referenced the transaction attempts, both date and times and gave their findings to XXXX whom led me to believe for the past few weeks that they would put the money back into my account but only with the assistance of my bank. The bank however, doesn't want to deal with merchants. Recently ( XX/XX/2022 ), XXXX now says to me that all of my attempts on their machines were blocked by my bank and yet, the withdrawal was made. On XX/XX/2022 I received another letter from the bank stating that an additional review of the 'original claim ' of fraud did not occur even though I have changed the nature of my claim. They also claimed to have called me by phone again unsuccessfully - my caller id reveals no such attempts at all. I am always near a phone and do not subscribe to voice mail. It truly feels as if all parties involved are avoiding responsibilty. It's been almost XXXX weeks now and other than hiring a lawyer I am running out of options. This has been affecting my health and my work. Please, someone help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: WV

Complaint narrative:
Company is required by law to provide proof. the burden of proof is on the company to provide. I have sent multiple request for this proof for many items and they have failed to furnish the proof. They only respond to anything by saying it is factual. they are a government agency. 

I have requested multiple documentation from them that they have failed to provide. I as a consumer and the Owner of all of my personal information have right to do so as they are providing information to multiple entities without my written consent. I am requesting proof! If documentation is not provided by the fair credit act it must be deleted! 

I am requesting the following documents for XXXX XXXX XXXX Account and XXXX  XXXX XXXX Account ; -Original contract -Pay off disclosure -Inters rate disclosure -Balance History -Payment History -Credit Insurance

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23 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: JOHN GIBSON AUTO SALES, INC.
State: AR

Complaint narrative:
I wrote John Gibson Auto, to let them know I recently noticed late payments on my account that I did not approve, also let them know I went over my contract and never opted in to anything to be reported. 15 USC 1681 stats a consumer reporting agency can not furnish an account without my written permission. 15 USC 1681 a # 2 consumer reports SHOULD NOT INCLUDE transactions or experiences between consumer and person making the report. Most importantly reporting an account as late that I never even receive statements for, because that would be mail fraud and they know all debts are an obligation of the UNITED STATES per HJR 192 of 1933. My car was paid in full when I signed my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23 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: CA

Complaint narrative:
I was informed that my credit card had the suspicious activities by the credit company on XX/XX/XXXX, but at that time it was reported I found out there were XXXX unauthorized transactions already in 2 days, the total amount of {$560.00}. 
Right after that I disputed the charges and canceled that card and received a new card. 

But sometime at the beginning of XXXX, I received the letter says the case had been closed because the credit card fraudly used was under my possession, therefore they didn't consider that fraudulent activity and I am the one who is responsible. 

On XX/XX/XXXX, I visited one of their branches and discussed about the fraud and dispute, but it didn't get any better. I was told they're not able to escalate or to reopen the case. 

On XX/XX/XXXX I filed the police report for credit card fraud and requested the card company to reopen it. I also explained the old card with the same number I cut out and discarded in the trash could be duplicated and used by the suspects. 

They said they will reopen the case and continue the investigation. But even though I was told and received the letter during the investigation I didn't have to pay the amount, they charged both late fee and financial charges on my account on the due date as if I was the one who used it. 

Their customer service keeps calling me and emailing me to pay for the amount because online status hasn't been updated and some of the disputed amount had already been deducted from my bank account automatically. 

I'm still highly doubtful if they really reopened the case and still investigating.

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 2022-10-23 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Auto Loan with XXXX is not NOW nor was it previously being reported timely, there is a consistent XXXX ( XXXX ) month lag and at a XXXX Dollars a month [ inclusive ] that would both reduce my Balance and up my equity but at the end of the day it would ACCURATELY be reflected in the current Credit Score [ XXXX ]. 

The prior error of misapplication of Funds has been resolved. BUT XXXX is NOT and has not been accounting for payments received by them ( the account is presently paid until XX/XX/2023 while my report reflects only payments through XXXX ) in a timely manner STILL. 

Early payments PAID MUST be accounted for in real time. JUST LIKE balances must be updated monthly on Credit Cards so must outstanding balances on Auto Loans. So the fault is twofold the Reporting Agency : ( 1 ) Reporting Agency, in this case Experian, refusing to submit [ again ] part of a prior dispute to BOA which to this day has not been corrected, and, ( 2 ) XXXX  for not timely reporting ALL payments received and " cashed '' thereby affecting the " current '' balance and payments through 2023.

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 2022-10-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
In XXXX I opened an account with HSBC. After they told me that everything was OK, I transfer all my savings. 

After 2 months they closed my account without telling me anything. 

I called them to have an answer. They told me that they closed the account because I did not reply an email of XXXX asking for personal information. 

THE THING IS I DID reply that email. Even I sent to the bank all the emails and it replied telling me that they received the information. 

THEY CLOSED MY ACCOUNT BECAUSE I DID NOT REPLY AN EMAIL ASKING FOR INFORMATION. BUT THAT IT IS NOT TRUE. I REPLIED THE EMAIL AND SOMEONE DID NOT ENTER THE INFORMATION INTO DE SYSTEM. 

SOMEONE MADE A MISTAKE. EVEN THEY TOLD ME THAT BY PHONE. 

I had XXXX USD. They closed my account and sent me the money by check to XXXX. Local regulations do not accept checks. 

The Bank lies. It says I never replied but I did reply and they replied me back that everything was ok.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ZWICKER & ASSOCIATES
State: TX

Complaint narrative:
Good morning, I have loan with XXXX XXXX Bank about XXXX towards credit card. I did make several payments, during COVID. Due to covid hardship XXXX XXXX turned my case to Lawyer ZWICKER & Associates, P.C. Lawyer filed my case into District court. While court is handling case lawyer Zwicker & Associate kept bullying, lies and has been harassing me which affects my job and health. I have been having XXXX XXXX and high XXXX. Due to covid hard ship, being as a XXXX mother this is placed additional stress on me. I tried to make financial arrangements with XXXX XXXX, but they refused. I made payments towards my loan prior ; they did not even count those/ mentioned. Lawyer have been harassing me since XX/XX/2022. I am willing to provide all document which I received from Lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX XXXXXXXX ( Date Opened : XX/XX/XXXX, Balance : {$8400.00} XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ), XXXX ( Date Opened : XX/XX/XXXX, Balance : {$3100.00} ), XXXX ( Date Opened : XXXX, XXXX, Balance : {$3500.00} ), XXXX ( Date Opened XX/XX/XXXX, Balance : {$5100.00} ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$3400.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$8800.00} ), XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$340.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2022-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
I want my Apple Card to be approved

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My credit report with TransUnion shows multiple invalid account that are causing detriment to my score. My Report is showing, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( reported XXXX dated XX/XX/XXXX and XX/XX/XXXX ) as charge offs. That information is invalid. My report also shows XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Reported XXXX on my report dated XX/XX/XXXX, XXXX and XX/XX/XXXX ) and XXXX XXXX  as Hard Inquiries. I have never interacted with any of these companies listed which means this information Is invalid. I have requested for TransUnion to remove these invalid accounts or validate them. However, I have not gotten a response or action from Transunion.

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 2022-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To Whom This May Concern, With respect to Chapter 41 : 15 U.S. Code 1681, I, being a consumer, am entitled to a accurate and complete consumer report. According to my consumer report generated on XX/XX/2022, there are some inaccurate, not applicable, fraudulent personal information listed. This letter serves as an initial attempt to have my personal information amended to what is correct and truth standing. 

Name : This is my legal name : XXXX XXXX XXXX Please delete any other references to names as they are not mine and I have never used any of them. 
Address : Please be sure that my address is listed correctly. My address should read : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX Please remove ANY other information you are currently reporting as they are NOT accurate. 

Kind Regards, XXXX XXXX Without Prejudice, All Natural Inalienable Rights Reserved

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 2022-10-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
Good morning, I have loan with Goldman Sachs Bank about XXXX towards credit card. I did make several payments, during COVID. Due to covid hardship Golden Sachs turned my case to Lawyer XXXX XXXX XXXX, XXXX. XXXX filed my case into District court. While court is handling case lawyer XXXX & XXXX kept bullying, lies and has been harassing me which affects my job and health. I have been XXXX XXXX XXXX and XXXX XXXX. Due to covid hard ship, being as a single mother this is placed additional stress on me. I tried to make financial arrangements with Gold Sachs, but they refused. I made payments towards my loan prior ; they did not even count those/ mentioned. Lawyer have been harassing me since XX/XX/2022. I am willing to provide all document which I received from Lawyer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: NY

Complaint narrative:
My name is XXXX XXXX and the email address associated with my Square account is XXXX I set up a XXXX  and used Square to process payment for my XXXX. 

All of a sudden my account was deactivated by Square and my funds were held.

Square told me the date for availability of funds but they never kept to their word as they kept postponing it. When I reached out to Square, I was told that due to the disputes on my account they would hold my funds for extra 30 days. 

The balance on my account held by Square is {$4400.00} All disputes associated with my Square account were closed on XXXX XXXX XXXX but up till now Square has refused giving me my money. I will attach a screenshot of my account showing that disputes were closed over 90 days ago I have tried to resolve this with Square but they are not responding to me. I contacted Square a month ago and they refused responding to me, I also contacted them again twice today and they haven't responded.

Because of this, I am filling this complaint to enable me have access to my money from Square

Company response to consumer: Closed with explanation