vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Atlanticus Services Corporation
State: FL

Complaint narrative:
Hello, I received this mail from a bank called aspire, saying pre qualified for a XXXX dollars credit card. Since I've been recently boosting my credit i believed thats why i got this mail. I never realized the type of scam this business is. The have a online app that doesn't work at all. It barely able to open, and the online website is even worse with logging in. I getting extra free {$60.00} charges and it hast even been a month since my last payment. I can not check what the fees are for. They wont allow me to close account, every customers service person I've spoken too dont care about anything else but me paying of my bill. They not attempting to even listen too me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
NOTICE OF ARBITRATION. 
I previously requested Experian to do an investigation and to block information that is obviously a result of fraudulent activity. I have still not heard back from them ( complaint ID XXXX ). By law, Experian had 4 days from the date of receipt of my notice to act. They did not. 
Secondly, XXXX, XXXX and the furnishers of certain accounts on my consumer report have done a proper investigation and have removed the affected accounts. However, Experian continues to violate my rights by reporting information that should not be on my consumer report. 
Therefore, I am DEMANDING that Experian block and delete the identified accounts within 4 days of receipt of this notice : XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I am giving Experian a last chance to adequately fix the issue before I proceed to arbitration.

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 2022-09-22 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: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I, XXXX XXXX do not recognize this company and I did not provide personal info such as address or my social security number

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 2022-09-22 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
On XX/XX/XXXX, I closed on a HELOC with Citizens Bank, during that process, I was required to pay a XXXX loan off ( around {$25000.00} ) which wasn't a problem since I wanted to pay that off with the proceeds. At the time of closing, I was told that the bank would handle the disbursement check and overnight the check and payoff/termination letter on my behalf since it was a required payoff by underwriting. The disbursement date was XX/XX/XXXX and the check should have been received XX/XX/XXXX. My payment was due on XX/XX/XXXX which was a Saturday and I waited until Monday XX/XX/XXXX to call XXXX to see if they had received the payment which they still hadn't. I was advised by XXXX to obtain the check number and dollar amount as well as the address it was mailed to so they could check in their lockbox. I didn't have any of that information since it was a controlled payoff, I had to call Citizens to get it. When I called to get the information on XX/XX/XXXX, I was bounced around to a few different departments and then got someone who said she was going to order it and told to call back in a day or so. I called today on XX/XX/XXXX and was told that information isn't available because the backoffice didn't upload it. I asked for the payoff amount and was told that isn't in the loan file and also asked for the termination letter that I signed and was told that wasn't available either. The issue I have is this is deceptive practices since I was told that they would handle the payoff and now no one can tell me anything about the check but I'm paying interest on both loans. I have no proof the payment was sent or what address or account it will be credited to. I was also not given any copies of the payoff or paydown letters at the time closing to refer back to in the event this situation would arise. 

I asked for my request to be escalated so someone can " connect '' with the backoffice to get this information and again, was told that I had to call back in XXXX days once the images were available which is what I was told on XX/XX/XXXX but yet that this can't be located because it wasn't uploaded. There is no sense of urgency around trying to locate a $ XXXX check or tracking information and I was told on XX/XX/XXXX that I should wait 7 - 10 additional days before requesting a stop payment even though the check was overnighted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
I contacted another student about buying football tickets from them. We agreed upon {$20.00} per ticket. When I used zelle to send them the {$40.00} I owed, they told me it was not enough and did not agree to {$20.00} even though I have messages to prove they agreed. Their phone number has been disconnected and they have refused to return my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: COMMUNITY FINANCIAL SYSTEM, INC.
State: VT

Complaint narrative:
I made several purchases with my debit card : {$11.00}, {$2.00}, {$12.00}. Leaving me {$48.00} balance in the account. Then I had an emergency come up and I withdrew the {$100.00} leaving me at - {$52.00}. They rearranged all the purchases and ran the {$100.00} withdrawal first so they could charge extra overdraft fees on all the others. Is this legal, shuffling all the amounts around from original sequence to set me up for extra fees?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-22 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
I returned an item I purchased and a credit was not issued for the {$17.00}.

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 explanation
Consumer complaint received 2022-09-22 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: CBC Companies, Inc.
State: MO

Complaint narrative:
I emailed Vice President XXXX XXXX at XXXX XXXX for him to explain the process of obtaining a home equity line of credit. He pulls my credit without my consent and now i have a ding on my credit report because of it and not once did i ever give him permission to pull my credit. I simply asked how the process worked. Hes tried to cover his tracks by telling me oh it doesn't hurt my credit for that type of stuff but when you look at the credit report, a mortgage inquiry is very high risk on experian. i told his company what happened in a support chat and all the said what sorry for the misunderstanding. This is extremely unprofessional and i believe they should be able to get this removed off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 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: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
I have no business with portfolio recovery acct # XXXX in accordance with the Fair Credit Reporting Act this account has violated my rights. 

15usc 1681 section 604A states I have a right to privacy 15usc 1681 also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 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: GA

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 2022-09-22 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX 1. Account # XXXX XXXX XXXX XXXX 2. Account # XXXX XXXX XXXX XXXX 3. Account # XXXX XXXX 4. Account # XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: LendingPoint Holdings LLC
State: TN

Complaint narrative:
I refinanced my home. The refinance included the payoff of a loan for Lending Point. The closing took place on XX/XX/2022, and Lending Point was paid days later. The Lending Point loan was overpaid by {$750.00}. I called Lending Point to request a refund of the overpayment on XX/XX/2022. I was told the refund would be processed in 7-10 days. It has been over three weeks - I have called several times since then ; there has been no explanation for why I haven't received my refund ( other than " we're busy '' ) and no solution has been offered. 

I believe this company is holding on to its customer 's overpayments/refunds in order to collect the interest for as long as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Account sold or transferred to another company
Company: GOLDMAN SACHS BANK USA
State: CO

Complaint narrative:
I paid my Marcus Goldman Sachs credit card {$3900.00} on XXXX in error, which gave me a credit as my balance was XXXX at the time. Thus I called and asked to have it reversed and was told that was not an option. They said they would send a check which I received dated XXXX. 
I deposited check in my checking account on XXXX. On XXXX Marcus GS reversed the XXXX and added it to my account thus creating a debit on my account stating that I owe them that amount. I have talked to supervisors and managers at Marcus to no avail. I never received the reversed amount and they are billing me, and added interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I spent 2 months trying to make a payment and even set up payment from my account. Their system would not let me make a payment. I called multiple times to get it corrected. I was disconnected and hung up on multiple times. 
I was even told I could not make or set up a payment without making a payment. I finally got hold of a person who knew how to fix the problem. Now they refuse to correct the reports of me being late even though it was their systems fault for the issues. They have told me that if it was found that it was their fault, they would correct the report, which they still have not done.

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 2022-09-22 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I spent 2 months trying to make a payment and even set up payment from my account. Their system would not let me make a payment. I called multiple times to get it corrected. I was disconnected and hung up on multiple times. 
I was even told I could not make or set up a payment without making a payment. I finally got hold of a person who knew how to fix the problem. Now they refuse to correct the reports of me being late even though it was their systems fault for the issues. They have told me that if it was found that it was their fault, they would correct the report, which they still have not done.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I spent 2 months trying to make a payment and even set up payment from my account. Their system would not let me make a payment. I called multiple times to get it corrected. I was disconnected and hung up on multiple times. 
I was even told I could not make or set up a payment without making a payment. I finally got hold of a person who knew how to fix the problem. Now they refuse to correct the reports of me being late even though it was their systems fault for the issues. They have told me that if it was found that it was their fault, they would correct the report, which they still have not done.

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 2022-09-22 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: Exeter Finance, LLC.
State: PA

Complaint narrative:
I, XXXX XXXX do not recognize this company and I did not provide personal info such as address or my social security number

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 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: Consumer Portfolio Services, Inc.
State: PA

Complaint narrative:
I, XXXX XXXX do not recognize this company and I did not provide personal info such as address or my social security number

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 00:00:00
Product: Credit card or prepaid card — Store credit 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: Klarna AB
State: CA

Complaint narrative:
I brought the ticke to klarna for {$670.00} Still no had ticket either reservation still no refund my {$330.00} I give down payment for buy the ticket still say investigation and nothing happened until todsy

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I was approached by a girl on XXXX offering me tickets for a show that i wanted to go. I transferred the agreed amount to her boyfriend 's XXXX but she did not send the tickets afterward.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Self Financial Inc.
State: IL

Complaint narrative:
On XX/XX/2021 An account was opened for an unknown amount for self credit without my acknowledgment and I filed a police report and would just like it off my credit please. Closed date is XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 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:
I have no business with XXXX XXXX  acct # XXXX in accordance with the Fair Credit Reporting Act this account has violated my rights. 

15usc 1681 section 604A states I have a right to privacy 15usc 1681 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 2022-09-22 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: IL

Complaint narrative:
I have no business with XXXX XXXX acct # XXXX in accordance with the Fair Credit Reporting Act this account has violated my rights. 

15usc 1681 section 604A states I have a right to privacy 15usc 1681 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 explanation
Consumer complaint received 2022-09-22 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: WI

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 2022-09-22 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 Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 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 Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 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: GA

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX  Account # XXXX, CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, 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