vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The bank is showing two months on my credit report that are 30 days past due. Months XX/XX/2022 and XX/XX/2022. I did not make that payment past the due date according to my signed loan contract. My due date is on the XXXX of every month. Those months I paid on the XXXX of the month. I paid on the XXXX which is the XXXX day not the XXXX day or after the XXXX day. This is not in alignment with the Federal Credit Reporting Act. In accordance with FCRA - consumers have between XXXX day AFTER the DUE DATE before their credit report can reflect a payment of past due over 30-days. 

A payment becomes a reportable 30-late to a CRA once it is 30 days past the billing due date. There is thus a period of 30 days where an account is late, and thus subject to late fees, etc., under the account agreement, but not yet a reportable 30-late. That is clearly set forth in the standard CRA reporting manual.

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 2022-12-09 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: TX

Complaint narrative:
XXXX  account # ending XXXX is reporting to XXXX and Equifax. I disputed this account through XXXX on XX/XX/22. XXXX has failed to record the current status of the disputed information on my credit file. This is a violation under the FCRA under 15usc 1681i. Due to the violation of the FCRA I want the account to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
FCRA Violation personal information not mine XXXX 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 XXXXXXXX FCRA Violation credit card payment not late XXXX XXXX FCRA Violation auto loans not mine XXXX  XXXX EMPLOYEES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Violation inquiries not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
Marcus by Goldman Sachs offers a 1 % referral bonus to customers who successfully refer a friend or family. Even after multiple instances of representatives confirming a friends account being opened as a result of my referral and my friend confirming he used the link ( techs, spoke to my friend TWICE ), Marcus by Goldman Sachs has denied me the bonus. The representatives lack customer service and an ability to solve client concerns. They state that if I would have called within 3 business days of the account being opened, that they could have manually credited my account with the referral bonus. I notified them within a week. XXXX. I asked where this was disclosed to customers and they advised that it is only disclosed in internal procedures and not to the customer. Can you say false advertising? Unacceptable! I will be closing my account and Id advise anyone who cares about the legitimacy of their bank and CUSTOMER SERVICE to find another bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-09 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
I called to request paper statements to be sent for my records which they must supply by law. I was refused by special person assigned to my account ( XXXX XXXX. I was told that they can not supply my request and to only view online. Online does it supply breakdown of fees and charges and does not supply a invoice.

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 2022-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
On XX/XX/XXXX, I cashed XXXX savings bonds at Huntington Bank. XXXX, the teller, gave me a printout of the redemption value of {$8700.00}. I requested the funds be deposited into my checking account. 

On XX/XX/XXXX, I checked my online bank checking account and noticed the correct amount was deposited, however, a deposit amount correction of {$410.00} was deducted from my account. I contacted the Huntington customer service and spoke to XXXX who could not explain why the amount of {$410.00} was deducted. He provided me with a reference number # XXXX and stated someone would call me back. 

Since I never heard from Huntington Bank, I called the customer service number again on XX/XX/XXXX and requested to speak to a supervisor, XXXX. XXXX stated there may be an issue with the scanning of one of the bonds. She was going to email XXXX at the bank and copy his manager to resolve. She also stated someone would call me back. 

Since I never heard from Huntington Bank, I went to the bank on XX/XX/XXXX and spoke to XXXX. XXXX stated he was going to resolve my issue and would call me back on XX/XX/XXXX. 

XXXX left me a message on my cell phone on XX/XX/XXXX stating he was going to process a credit and would backdate the credit back to XX/XX/XXXX. I looked at my online checking account and it appears there is a pending transaction. 

I will check my bank account balance on XX/XX/XXXX to see if I received the credit. 

Since I hope my issue has been resolved, I would like to know the following : 1 ) If the bank has a scanning issue with one of the savings bonds, why is this my problem?

2 ) How is a bank allowed to deduct money from my checking account for their mistake without first notifying me?

3 ) If I never checked my checking account online, would Huntington Bank ever have contacted me to explain why the amount was deducted? 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC

Complaint narrative:
On XX/XX/XXXX My friend sent me a Money Transfer using moneygram with her debit card sending to me thru my debit card. Usually this transaction takes around 15 to 20 minutes to show in my bank account. Money was taken from my friend 's account but i never arrived to my account. We wait until next day, and they money never appeared in my account, so we proceeded to file a claim with MoneyGram. 
After claim was filled, until today XX/XX/XXXX we have no answer from Moneygram, they said it can takes until 90 days and there is no reason for that. My friend wants to cancel the transaction to get a refund and Moneygram dont want to do the refund. My friends tried with the bank, and bank asked her to request to Monegraym the policy where shows it can takes 90 days, but Moneygram refused to send that policy, like that she can submit it to the bank, and bank can cancel the transaction.

I was expecting that money to pay my rent, i can lost my aparment beacuse i did not paid my rent beacuse moneygram has my transaction in the air, and we dont know when it will be resolved. Is not fair to play with somebody's life like that.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 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: FL

Complaint narrative:
To Whom It May Concern : I recently received a copy of my ( XXXX, XXXX, or TransUnion ) credit report, and I noticed some late payments posted on my credit report : XXXX XXXX  Account # XXXX XX/XX/XXXX XXXX, XXXX, XXXX XX/XX/XXXX XXXX, XXXX, XX/XX/XXXX This company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I did not provide any written instructions to furnish this account on my credit report. Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.=Except as provided in paragraph ( 3 ), the term consumer report '' does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Please delete the above late payments from my consumer report, because this agency is in violation of 15 USC 1681. 


Best regards, 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 2022-12-09 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: EQUIFAX, INC.
State: FL

Complaint narrative:
To Whom It May Concern : I recently received a copy of my ( XXXX, Equifax, or XXXX ) credit report, and I noticed some late payments posted on my credit report : XXXX XXXX Account # XXXX XX/XX/XXXX XXXX, XXXX, XXXX XX/XX/XXXX XXXX, XXXX, XX/XX/XXXX This company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I did not provide any written instructions to furnish this account on my credit report. Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.=Except as provided in paragraph ( 3 ), the term consumer report '' does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Please delete the above late payments from my consumer report, because this agency is in violation of 15 USC 1681. 


Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
FCRA Violation personal information not mine 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 XXXXXXXX FCRA Violation credit card payment not late XXXX XXXX  FCRA Violation auto loans not mine XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Violation inquiries not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
FCRA Violation personal information not mine XXXX BXXXX 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 XXXXXXXX FCRA Violation credit card payment not late XXXX XXXX FCRA Violation auto loans not mine XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Violation inquiries not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 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: TX

Complaint narrative:
XXXX account # ending XXXX is reporting to Experian and XXXX. I disputed this account through XXXX on XX/XX/22. XXXX has failed to record the current status of the disputed information on my credit file. This is a violation under the FCRA under 15usc 1681i. Due to the violation of the FCRA I want the account to be deleted.

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 2022-12-09 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ATG Credit, LLC
State: IL

Complaint narrative:
ATG credit is charging me for something my insurance approved. I havent received a bill from these people but all my test and pre procedures surgeries are always pre approved before I do them since 2013. I have XXXX co-pay on everything due to XXXXXXXX XXXX XXXX and XXXX and XXXX XXXX XXXX XXXX XXXX XXXX. I dont know what else I can do with these people. I have no divination. XXXX XXXX and on a fixed income with XXXX children.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have a checking and saving account with bank of America, and they were restricted by the bank on XXXX And, on XXXX, I was informed by Bank oi America that my both checking and saving account was closed due to business solution and without giving me any reasonable causes. They send me an mail on XX/XX/XXXX saying that they froze my money in the account and needs further review but without any reason was given to me. Bank of America 's service line told me they mailed a check to me on XX/XX/XXXX, but I did not received. And, they advised me to contact the closure department, and the closure department told me my money in the account is still in the review but without any updates and reason. I do not believe it is reasonable to restrict my money in this way.

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 2022-12-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION
State: LA

Complaint narrative:
I purchased a used XXXX XXXX XXXX on XX/XX/XXXX. I financed the car with Credit Acceptance Corporation. I also purchased gap insurance. On XX/XX/XXXX the vehicle was involved in an accident. The accident was not my fault. The car was a total loss. The other drivers insurance company paid the balance of the car. The remaining balance was covered by gap insurance. But Credit Acceptance Corporation still shows the account as open. With a remaining balance, and late payments since XX/XX/XXXX. 
The account is closed and should be remove from my credit report. With the 2 years of late 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 explanation
Consumer complaint received 2022-12-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Collection Bureau, Inc.
State: FL

Complaint narrative:
On XXXX I received mail from United Collection alleging a debt being owed. I responded back to them on XX/XX/XXXX disputing the alleged debt and requesting proof of their claim specifically a contract with all parties ' signatures in accordance with the fair debt collection, however XXXX  responded back to my dispute and failed to provide me with any valid form of debt validation and then proceeded to place the fraudulent debt on to my consumer report. Furthermore, they marked the debt as disputed and meets FRCA requirements when it does not meet the criteria. These companies illegally attempt to collect a debt that is not owed and fail to provide me with legal proof. I have attached all documentation and my communication to them and their response which lacks the legal requirement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 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: GA

Complaint narrative:
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 an account without my written instructions 15 U.S.C 1692C : Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector many not communicate with a consumer in connection with the collection of any debt.

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 2022-12-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS
State: TX

Complaint narrative:
I have insurance with XXXX XXXX XXXX. My daughter was in a rental while some mechanical issues were being repaired. While in this vehicle, a rock hit the windshield of the rental car while on the highway. I filed a claim with State farm and they advised that the claim was reported to Lexis Nexis as a " not at fault incident. '' However, I am seeking new insurance quotes and they are coming back in the thousands of dollars per month due to this reporting. I am being told that Lexis Nexis is reporting an incident with another vehicle and the claim was placed under liability instead of comprehensive, also I was told by a carrier that they are reporting a payment made over the threshold. There are no details listed stating this is a simple windshield claim that does not involve another vehicle. This negative/inaccurate reporting is causing me a financial burden. I am unable to receive reasonably priced car insurance. I am requesting that this be reported accurately and proof of the change.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 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: CITIZENS FINANCIAL GROUP, INC.
State: MI

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.Citizens one car loan .Has violated my rights. 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 15 U.S.C 16663 A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
On XX/XX/2022, at some point in the afternoon, I logged into the Amex mobile application, added a new bank account, and made a payment for {$150.00} from this new bank account. The application thanked me but did not send a payment confirmation email. I have never received payment confirmation emails from American Express. 

On XX/XX/2022, at XXXX XXXX, I received an email from Amex thanking me for my XXXX XXXX for {$150.00} on XX/XX/2022. Later on XXXX, I checked my bank accounts as I had just gotten paid. I confirmed the XXXX payment went through from yesterday to Amex and then checked my primary bill bank account. Another payment for {$150.00} was showing as processing to American Express from a bank account I did not authorize. I checked the Amex mobile application and it showed XXXX payments- XXXX posted and XXXX processing. 

I called Amex and they were unable to stop the processing payment and were only able to log a complaint and instructed me to contact my bank. Amex also claimed that as the payment says " XXXX '' that I arranged for the payment myself. I did not. American Express has also routinely harassed me for money greater than my minimum payment due with threatening chats and several emails instructing me to pay XXXX greater than my minimum payment due listed on my statement. 

Not only have they violated the XXXX but under XXXX their account system falls under bait and switch. You can not claim a customer can use " pay over time '' and then hold an account for ransom for more money when a customer makes their minimum payment due, or more than their minimum payment due. That is a deceptive practice.

Company response to consumer: Closed with explanation