vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: SC

Complaint narrative:
On Tuesday, XX/XX/2023, Chime informed me that my account would be closed on XX/XX/2023 and that a check for any remaining balance would be mailed within thirty ( 30 ) days of XX/XX/2023 to the address that they had on file for me. No explanation of account closure was given besides a claim that I exhibited activity that violated the terms of the Deposit Account Agreement which I read and saw no violation on my part. Today, XX/XX/2023 at XXXX, I contacted them to inform them that a customer service rep told me I was being sent a new card but also that my account was scheduled to close which it did. I asked for a status update on when my funds that were remaining in my account would be mailed and they responded saying quote The account will be closed on and is not eligible for a refund. After this email, I submitted an appeal and havent heard anything since. The total amount in my account upon closing was {$43000.00} and I need my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-09 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: IN

Complaint narrative:
In accordance with the Fair Credit Report Act 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 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 2023-04-09 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/2023, between XXXX XXXX and XXXX XXXX, we were at the Macy XXXX store in XXXX at XXXX / XXXX location shopping for dresses for my son. 

My husband is already an Macy 's Star rewards member. 

The sales associate who was checking me out, deceptively collected my SSN and had me sign a credit card application form that I am not in need of. She said she will give me 25 % discount if I provided my social and click agree on the display. Despite repeated enquiry as to why it is needed, she kept pushing me that it is for my benefit and that I will be getting discounts.

After the checkout, the sales associate when she handed me the Creditcard booklet is when I realized that she applied for a new Macys Star Rewards credit card. When I confronted, she tore off all the paper documents and put them in trash and did something in the system and said that she voided all of her actions with no impact and she asked me not to share it with anyone. It is apparent that she made the choice for me and she did not let me choose what I wanted to do in this case. 

A few days later, my XXXX report said that there was a credit hit on my profile.

I did not expect the practices to be deceptive from a company like Macy 's.

Attaching herewith the receipt of purchase. Please note that the card number in the receipts and the new card that was applied for are not the same.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-09 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: TMX Finance LLC
State: KS

Complaint narrative:
made a complaint on XX/XX/XXXX was called by a rep on the XXXX who said i had to pay them XXXXXXXX XXXX for a pay of, i told them I did not have that and he said I had till the XXXXXXXX XXXX XXXXXXXX to get it. I have already paid these people over XXXX XXXX  for a loan less than 2000 .

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I had previously submitted a CFPB complaint to both XXXX XXXX and Experian because my loan # XXXX was not showing up on my Experian credit report like it should have been. In its response, Experian advised that they were not going to honor my request. XXXX specifically advised that this has been reported to Experian and they have even sent it to them again. I have attached the written response to my CFPB claim from XXXX XXXX. Before seeking monetary damages from Experian due to their failure to correctly report info on my credit, I want to give them one final chance to get this correct and report this account on my credit report as reqired by law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
On the XXXX of XX/XX/2022, i deposited {$100000.00} into my Comenity Direct now recently branded as Bread Savings in order to benefit from their high APY of about 1 %. My account has been restricted since XXXX of 2022. Making it over a year since my account has been restricted. I have been calling for over a year now and all i am been told is my account is under review and they dont know how long the review is going to take. Give me my money please it is over a year and this is daylight robbery! I am a XXXX year old woman and i am down with a XXXX. I put all my life savings into Comenity Direct in order to benefit from their high APY. As a result of Comenity Direct restricting my account and denying me access to my money my life has been unbearable for the past year from sleepless nights and skipping on buying my XXXX medication because i just cant afford it. It is unfair how i am being treated by Comenity Direct.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Avant Holding Company, Inc.
State: IL

Complaint narrative:
I have a personal loan with Avant. I have agreed to a scheduled once monthly automatic payment on the XXXX of each month. For XXXX, the XXXX was on a weekend, so the payment moved to the XXXX or XXXX. That payment bounced back from my bank, so I scheduled a payment for Monday XX/XX/XXXX. Today, XX/XX/XXXX, that scheduled payment AND an unauthorized automatic payment were taken out of my account, causing my account to overdraft. After being notified by my bank, I reached out to Avant to have one of the payments refunded and asked why payment that was scheduled for the XXXX was taken out a day early. The representative was not able to explain why the payment was taken out a day early, and advised that it would take 2 to 3 weeks for the refund to hit my account. This is a {$780.00} refund owed to me, and that is a massive amount of money for my family. This is their error, and a delay that long is unacceptable. I asked to speak to a supervisor repeatedly, and was repeatedly told a supervisor was not available to hear from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09 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: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
In accordance with the Fair Credit Report Act XXXX, XXXX, SYNCB/ASHLEY HOMESTORE, 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 explanation
Consumer complaint received 2023-04-09 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: IN

Complaint narrative:
In accordance with the Fair Credit Report Act 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 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 2023-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Fidelity National Information Services, Inc. (FNIS)
State: MO

Complaint narrative:
Submitted a request for a consumer disclosure from ChexSystems for it to be delivered digitally to my online portal with them. Have not received the disclosure in a reasonable amount of time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I had my Well 's Fargo account closed and I was never alerted that my account was closed or being closed because i was under XXXX and under account which allowed me to have a XXXX balance with fees until I turned XXXX years old until I tried to send money to my account through 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 explanation
Consumer complaint received 2023-04-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
I had some problems with PayPal credit account and was struggling to pay my bill i was very upset how it was handled and wish they were to help me out I am XXXX and struggling I wasnt supposed to have a credit card but it happened im hoping I will learn my lesson but when having a XXXX its been rough maybe up to XXXX if thats possible in that range

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09 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: NY

Complaint narrative:
In accordance with the fair credit reporting act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX account # XXXX, XXXX account # XXXX, XXXX  XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX account # XXXX, XXXXXXXX XXXX XXXX XXXX account XXXX XXXX, has violated my rights. 
15 USC 1681 Section 602A states that I have the right to privacy.

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

15 USC 1681c ( a ) ( 5 ) section states : No consumer reporting agency may make any consumer report containing any of the following items of information : any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-09 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: NY

Complaint narrative:
In accordance with the fair credit reporting act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX account # XXXX, XXXX account # XXXXXXXX XXXX XXXXXXXX account # XXXX, XXXX account # XXXX, XXXX XXXX XXXX  account # XXXX XXXX  XXXX XXXX account # XXXX, XXXX XXXX  XXXX  XXXX account XXXX XXXX, has violated my rights. 
15 USC 1681 Section 602A states that I have the right to privacy.

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

15 USC 1681c ( a ) ( 5 ) section states : No consumer reporting agency may make any consumer report containing any of the following items of information : any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-09 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: GA

Complaint narrative:
I am writing to delete the following information in my file. The item I need to be deleted is listed in the report. I am a victim of identity theft and did not make the charge. I ask that the item be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the item as soon as possible. 

I sent a letter to these agencies about a month ago and they still have an inaccurate item listed on my credit report. Please see the attachment for the details of the account still listed. PLEASE SEE ATTACHED. 
Your office is in violation of my consumer report given to me by Congress as a federally protected consumer. YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report, it has come to my attention that your office ( Transunion, XXXX, and XXXX ) have again violated my privacy. 15 USC 1681 ( a ) ( 4 ). You also have placed false inaccurate collection accounts on my consumer credit report that I would like to remove.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-09 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
XXXX XXXX, I purchased several round trip tickets for XXXX in XXXX for a wedding happening in XX/XX/XXXX. Because of covid-19 that flight was canceled and rescheduled for a later date. I soon found out thru XXXX news that XXXX was having employee strikes and in possible verge of filing bankruptcy. I advised my credit card company to the above mentioned and told them that i was not getting the service i purchased and that the airline was only willing to provide vouchers. I told the credit company that i was going to lose my money and they initially gave me credit and disputed with the airline whom in turn told them i purchased a non-refundable tickets. I explained that i did not cancel nor did deny to fly, the airline never provided the service and at the end the company filed XXXX and i lost the money and still paid my credit card. i believe if the credit card company would have taken my side this would have never happened. I feel that based on thier actions they should be the ones responsible for the loss. MasterCard thru Sams Club is the credit card issuer.

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 2023-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc
State: FL

Complaint narrative:
XXXX continues to charge my account for things that I had nothing to do with it's been happening for a couple years now I've been reverse reimburse for some things and then something that haven't been and it all needs to be fixed and whatever money needs to come back to me and needs to go back into my XXXX pay account or into my time account and I need to stop I don't know XXXX all that just look into it that's your job and get my money back to me thank you bye

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Synchrony Bank canceled a credit card that I've never even used because of information on my credit report that says I'm delinquent. I'm not delinquent. I'm not paying my credit card bills because my bank is delinquent and stole some of my XXXX  in a fraud scheme. XXXX. XXXX. XXXX. XXXX of them? 

The banks are insolvent and run/regulated by criminals. I'm a victim, and the system thinks I'm unworthy of a XXXX $ limit credit card. It is an absolute joke. You have stolen literally hundreds of millions of dollars from me over the years and your conclusion is that I'm untrustworthy of having a XXXX $ line of credit. 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 explanation
Consumer complaint received 2023-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Sent in XX/XX/2023 email and letters. Notice and demand were sent by email no response after the 72 hour window. Dispute letter sent and no response within the 72 hour window to all three major credit reporting agencys. XXXX, XXXX, Equifax. Were produce detail and accounts with missing and or incorrect information. Fraud dealing with inquiries which I never consented to and personal information and credit reporting information either out of date and incorrect which goes against the metro 2 guidelines and is stunting my financial growth and credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Sent in XX/XX/2023 email and letters. Notice and demand were sent by email no response after the 72 hour window. Dispute letter sent and no response within the 72 hour window to all three major credit reporting agencys. Experian, XXXX, XXXX. Were produce detail and accounts with missing and or incorrect information. Fraud dealing with inquiries which I never consented to and personal information and credit reporting information either out of date and incorrect which goes against the metro 2 guidelines and is stunting my financial growth and credit worthiness.

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