vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-20 00:00:00
Product: Credit 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: CITIBANK, N.A.
State: NC

Complaint narrative:
I completed a return of the mattress on XX/XX/XXXX it is now XX/XX/XXXX and I still haven't received my refund for {$670.00}. Between wayfair credit card and wayfair customer service NOONE has contacted me to get this resolved and whenever I call in I'm being ran in circles trying to get my money back. This has been a horrible experience from start to finish!!!!!! I just want my money refunded so I can be done with both of these companies

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 2023-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




UNAUTHORIZED INQUIRIES : Experian 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 XXXX 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 15 U.S.C 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 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of 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 explanation
Consumer complaint received 2023-12-20 00:00:00
Product: Credit 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened a fraud claim with the Home Depot credit card trough ( Citibank ). On XX/XX/XXXX  my wallet was stolen at a Costco foods store, this wallet included my Home Depot credit card and California License amongst other cards. I called the police department and got a police report where the officer confirmed by watching the store cameras that my wallet was stolen by 1 individual. 
When I found out that the thief used my Home Depot credit card and ID to but {$1300.00} worth of items at a Home Depot store I called and opened the fraud case. I submitted all information they needed including the police report number, my California ID pictures, dates of the incident etc. They still denied my claim, I re opened it to submit more information and I was denied again for reasons unknow. This is very unfair as I have always paid my bills on time and now they are ruining my credit. They didnt put a credit on my account to avoid any late fees or credit reports wile the investigation was opened. Can you please help me resolve this.

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 2023-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
There are outstanding issues with these accounts on my Experian credit report : XXXX. XXXX  : Account XXXX XXXX - Nature of Dispute : unauthorized/unrecognized account. 

XXXX. XXXX XXXX XXXX : Account XXXX XXXX - Nature of Dispute : unauthorized/unrecognized account. 

I previously sent 2 letters ( XX/XX/23 & XX/XX/23 ) and acknowledged the initiation of an investigation by Experian in line with the Fair Credit Reporting Act ( FCRA ). However, I requested comprehensive provision of documentation substantiating the validity of the reported debts. Specifically, I requested : 1. Verification of the debt, inclusive of detailed information regarding the original creditor.

2. Submission of copies of all pertinent documentation supporting the reported debt 's authenticity.

3. Urgent confirmation of the accuracy of reported balances, status, and other relevant details. 
Instead of providing the requested information after multiple investigations, the credit bureau DID NOT PROVIDE ANY DOCUMENTATION OR PROOF OF THE INVESTIGATION, and closed all disputes as " verified ''. I even reached out to the above mentioned companies, requesting documentation to validate the debt as well, with no results. This has had a significantly negative impact on my young family 's ability to progress financially and is causing us distress.

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 2023-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 15 U.S.C 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 U.S.C. 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 2023-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 15 U.S.C 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 U.S.C. 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CLGF Holdco 1, LLC
State: NC

Complaint narrative:
Destiny Mastercard issued by Concora Credit has charged off my credit card. I am aware that a charged off line of credit becomes a certificate of indebtness which means it is income and must be removed. The law says it is illegal to report transaction history, finable at {$1000.00} per violation. Destiny Mastercard/Concora Credit has reported since XX/XX/XXXXXXXX  which not only permits the {$1000.00} per violation but also pain and suffering damages. Furthermore, under the Fair Credit Reporting Act information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. The Fair and Accurate Credit Transactions Act added many provisions to this Act primarily relating to record accuracy and identity theft. The Dodd-Frank Act transferred to the Consumer Financial Protection Bureau most of the rulemaking responsibilities added to this Act by the Fair and Accurate Credit Transactions Act and the Credit CARD Act, but the Commission retains all its enforcement authority. I also have the right to Opt Out under 16 CFR 313.7 deriving authority from 15 USC 6801. Also, under 16 CFR 433.2 ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. The account with Destiny Mastercard/Concora Credit was an open-ended credit line and the credit application became a security the moment my signature was obtained. Destiny Mastercard/Concora Credit is also in violation of the Securities Exchange Act of 1934 for the sale of my security on the secondary market.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I was never late on this account. Please check the status on this account. 

Inquiry XXXX This inquiry was not authorized

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 2023-12-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: RI

Complaint narrative:
I received several weekly offers to apply for the PayPal Cashback Mastercard with an intro APR of 0 % for 6 months. 
Offers were sent on XX/XX/XXXX, XXXX and XXXX. All of them are attached to this complaint. 
On the XXXX, I applied using the link on the last email and was approved, as XXXX attached. 

Synchrony and PayPal didn't honor with the offer and they charged me APR on my balances during the 6 month grace that was offered. 
I tried contacting them and they provided the information that the offer was a scam. 
So some scammers are out there trying to get new customer to Synchrony/PayPal . 
Clearly it's a scam, if it's not honored. 

I was charged the following interests, that i expect to be reimbursed : Statement - Amount XXXX- {$55.00} XXXX - {$93.00} XXXX - {$100.00} XXXX - {$99.00}

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 2023-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: CA

Complaint narrative:
I had my account compromised and for a security measure chime financial institution locked my account for my safety which I appreciated at first. They asked me to send them documents to verify who I was such as my social security number and I.d, I sent these documents countless of times then they asked me for bank statements for a debit card I dont own or have no knowledge about and Ive informed them that I had no idea about any other bank card but theres. I keep getting the same computer automated email and at this point I want my XXXX dollars thats in my account given back to me and would no longer want to bank with chime. Im a XXXX XXXX XXXX XXXXXXXX member and this is just not right

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Setting up an escrow account for taxes and insurance
Company: CrossCountry Mortgage LLC
State: LA

Complaint narrative:
During closing process mortgage company mishandled amount needed to pay insurance company. Insurance requested more payment which my loan was sold to another lender. I handed over my loan number because I thought they were just needing current loan company. Which this in turn pushed my escrow in to negative balance. This also messed up future escrow because monthly escrow was not enough to cover the following years insurance. I then got a notice of shortage of about {$3700.00} which XXXX of that was due to the mess up on the original closing. This in turn caused my mortgage to jump $ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc
State: OH

Complaint narrative:
I received a text and emails saying that my account was opened yet I never applied for an account. I contacted the company and they verified that an account was opened and it required my full name, address, date of birth, Social Security number, phone number and email. 
They said they had closed the account after I notified them. I have read that this is a common occurrence with Chime. I am concerned that they are fraudulently opening accounts without peoples knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I've observed several deviations from mandatory reporting standards, which cast doubt on the accuracy and completeness of the data in my report. Consequently, I refute the allegations against me and challenge you to substantiate your authority to include this incomplete negative information in my credit report. 

In accordance with 15 U.S.C 1681e, consumer reporting agencies must employ reasonable procedures to ensure the utmost accuracy of information in consumer reports. Furthermore, 12 CFR Part 1022 ( Regulation V ) mandates furnishers to provide information about consumer accounts with integrity and accuracy. This includes conducting reasonable investigations into consumer disputes, as outlined in the Consumer Reporting Resource Guide ( CRRG ) and adhering to Metro 2 compliance standards. 

Deviation from these standards, as emphasized in the XXXX, jeopardizes the integrity of the data, potentially compromising the accuracy of federally regulated reports. Consequently, I am exercising my rights to contest these inaccuracies and non-compliant items. Ignoring my demand would indicate a disregard for my consumer rights. 

It is unjust for you to report unconfirmed and ethically questionable information that does not meet certified reporting standards. I challenge these claims and request evidence of proper reporting standards. Your violation of my rights is documented in this communication, citing concerns about incomplete and non-compliant reporting. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I've observed several deviations from mandatory reporting standards, which cast doubt on the accuracy and completeness of the data in my report. Consequently, I refute the allegations against me and challenge you to substantiate your authority to include this incomplete negative information in my credit report. 

In accordance with 15 U.S.C 1681e, consumer reporting agencies must employ reasonable procedures to ensure the utmost accuracy of information in consumer reports. Furthermore, 12 CFR Part 1022 ( Regulation V ) mandates furnishers to provide information about consumer accounts with integrity and accuracy. This includes conducting reasonable investigations into consumer disputes, as outlined in the Consumer Reporting Resource Guide ( CRRG ) and adhering to Metro 2 compliance standards. 

Deviation from these standards, as emphasized in the XXXX, jeopardizes the integrity of the data, potentially compromising the accuracy of federally regulated reports. Consequently, I am exercising my rights to contest these inaccuracies and non-compliant items. Ignoring my demand would indicate a disregard for my consumer rights. 

It is unjust for you to report unconfirmed and ethically questionable information that does not meet certified reporting standards. I challenge these claims and request evidence of proper reporting standards. Your violation of my rights is documented in this communication, citing concerns about incomplete and non-compliant reporting. 

XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-12-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Southwest Business Corporation
State: FL

Complaint narrative:
I requested assistance options in advance from my mortgage company since I knew I was going to be out on short term XXXX for XXXX weeks recovering from a c-section. I did this in advance on XX/XX/XXXX, my due date was XX/XX/XXXX. They denied my initial request of assistance or repayment options because I was not behind enough. They closed by request on XX/XX/XXXX. 

I then submitted a new request for assistance on XX/XX/XXXX because then we were behind. They denied us due to insufficient income, which come to find out was because they did not have our income in their system whatsoever. After XXXX or XXXX letters in writing and getting them to understand the breakdown of our income we were again denied. We received a denial letter on XX/XX/XXXX and some of the reasons included that our hardship duration is either long term or permanent. The Hardship was short term and temporary simply due to a XXXX and CSection delivery. I was only out of work for XXXX weeks and have since returned to work as of XX/XX/XXXX. I was on XXXX and temporarily receiving XXXX XXXX XXXX. This means I had a *Temporary* reduction in our income. I have been speaking with the VA on an ongoing basis. They have also emailed Cenlar ( XXXX Mortgage ) with a recommendation to put us on a Special Forbearance until XXXX so that we can repay the past due balance with a bonus and tax return we expect in XXXX. We were denied for an affordable modification due to our debt to income ration not meeting the requirement for the loan modification. They included the right to appeal there decision by XX/XX/XXXX. I sent them a XXXX page letter on XX/XX/XXXX as our intent to appeal and requested they clarify as to what the debt to income requirements are. I have been waiting and checking on this nearly every few days and all they did is close it on XX/XX/XXXX without any response to our appeal. We are now showing there is no longer a request for assistance on file and have a generic banner implying to apply again for another assistance request. hen tried just calling them and after a long holding time spoke with a representative who spent XXXX minutes going through disclosures and reviewing all the fees and payments I owe to hang up on me after he demanded payment and I asked him right back. Do you really think I am calling to make this payment right now? 

I do not know how to proceed, but I just took an hour out of my lunch break to deal with this to end up with XXXX results. 

I am attaching our latest denial letter including my appeal letter and a screenshot of our request history downloaded from their loan solutions portal showing the dates opened XX/XX/XXXX, which was just closed on XX/XX/XXXX without any further movement or response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
formally dispute a fraudulent loan account that has appeared on my credit report, as reported by your agency. This dispute is being made under the provisions of 15 USC 1681i, which governs the correction of inaccurate or fraudulent information on consumer credit reports.

I have recently become aware of an account listed on my credit report that I believe is the result of identity theft. 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