vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: PR

Complaint narrative:
Since at least early XX/XX/XXXX Citibank has been making me go through extra and extensive security measures repeatedly and for no reason. I've always been able to eventually access the account because of a method they informed me of when I complained, but the excessive security checks still continue. I have no problem with any other website except XXXX XXXX which is not letting me make transfers and makes me go through extra security checks other than signing in which didn't stop after I signed for two-step verification. I filed an ICE report with the FBI in XXXX concerning problems with Citibank.

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 2023-10-22 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 was never late on the paid off account listed above. Please show me documentation showing proof of the transaction that I was ever late to support your inaccurate reporting on my account. If you can not supply this, please delete this alleged late payment from credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-22 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: FL

Complaint narrative:
Subject : Request for Removal of Transactions from Consumer Report as per FCRA Dear Sir ( s ), I hope this letter finds you well. I am writing to formally request the removal of particular transactions from my consumer report, as outlined by the Fair Credit Reporting Act ( FCRA ) under section 15 USC 1681a-2 ( a ) ( i ) ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; And 15 USC 6802 B ( 1 ) ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

Below is/are the details of the transaction ( XXXX ) I demand be excluded from my consumer report : XXXXXXXX XXXX XXXXXXXX. 
XXXX XXXX XXXX XXXXXXXX I believe that these specific transactions should not have been reported on my consumer report, and it is my understanding that the FCRA empowers me to request that these transactions be removed because I was never contacted by your organization to inform me that you may disclose non personal private information to a non affiliated third party, also transactions between the consumer and the person making the report is to be excluded from my consumer report, regardless of its validity. 
According to 15 USC 1681, consumer reporting agencies must exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
Thank you for your assistance in resolving this dispute. I look forward to a prompt resolution and the correction of my consumer report. 

Thanks,

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 2023-10-22 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: FL

Complaint narrative:
Subject : Request for Removal of Transactions from Consumer Report as per FCRA Dear Sir ( s ), I hope this letter finds you well. I am writing to formally request the removal of particular transactions from my consumer report, as outlined by the Fair Credit Reporting Act ( FCRA ) under section 15 USC 1681a-2 ( a ) ( i ) ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; And 15 USC 6802 B ( 1 ) ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

Below is/are the details of the transaction ( XXXX ) I demand be excluded from my consumer report : XXXXXXXX XXXX XXXXXXXX. 
XXXX XXXX XXXX XXXXXXXX I believe that these specific transactions should not have been reported on my consumer report, and it is my understanding that the FCRA empowers me to request that these transactions be removed because I was never contacted by your organization to inform me that you may disclose non personal private information to a non affiliated third party, also transactions between the consumer and the person making the report is to be excluded from my consumer report, regardless of its validity. 
According to 15 USC 1681, consumer reporting agencies must exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
Thank you for your assistance in resolving this dispute. I look forward to a prompt resolution and the correction of my consumer report. 

Thanks,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-22 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: MI

Complaint narrative:
This Company has violated my rights as a Consumer by not complying with the law by consistent ignore my Right to Privacy in accordance with : 15 USC 6801 ( a ) The Company has ignored it's obligations pursuant to : 15 USC 6801 ( b ) 15 USC 1681 ( a ) I am requesting that this company remove and delete the following named accounts immediately and cease reporting any of my personal information without my consent. 
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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to formally notify you of the unauthorized XXXX inquiry dated XX/XX/2022 that you have reported on my consumer profile. This inquiry, listed without my authorization, consent, or benefit, is a clear violation of multiple provisions of the Fair Credit Reporting Act ( FCRA ) as outlined in 15 USC 1681, 15 USC 1681a, 15 USC 1681b, and 15 USC 1681e ( b ). I DEMAND THAT IT BE DELETED IMMEDIATELY! 
According to 15 USC 1681, the FCRA ensures fair and accurate credit reporting, protecting consumers ' rights and privacy. Specifically, 15 USC 1681a defines the term " consumer report '' and what information is excluded from a consumer report. I have not authorized or consented to this inquiry, and it does not fall within the lawful criteria for inclusion in my consumer report pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ). Your unauthorized inquiry violates this code by including information that does not comply with the accurate representation of my credit report.

Moreover, 15 USC 1681b highlights permissible purposes for consumer reports, emphasizing the necessity of consumer consent for any inquiries or reporting activities. As I have not authorized this inquiry. You have no written instructions from me to report this inquiry. Its presence in my consumer report is a clear violation of this section.

Furthermore, 15 USC 1681e ( b ) outlines the responsibilities of consumer reporting agencies to ensure maximum accuracy in the information provided. By reporting an unauthorized inquiry, you have directly contradicted this mandate, leading to the inclusion of inaccurate information on my credit profile. 
Your actions have caused me undue distress. This is an issue I take incredibly seriously, as the FCRA is in place precisely to prevent such situations. I demand that you immediately delete the unauthorized XXXX inquiry from XX/XX/2022 that you have reported on my consumer profile!!! Failure to comply with this request within 10 business days from the date of this letter will be considered an admission of violating the FCRA and neglecting the obligation to rectify the inaccuracies on my credit report. 
I expect prompt action and resolution to this matter. Any further negligence in addressing this issue will result in legal action to ensure my rights under the FCRA are protected. I anticipate your immediate attention to this matter and a written confirmation of the removal of the unauthorized inquiry from my credit profile.

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 2023-10-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: MT

Complaint narrative:
I applied for the SAVE program through the studentloans.gov website. I self reported my income through mohela as I was unemployed at the time. Mohela automatically put me in administrative forbearance, I never wanted to be in forbearance. I requested to be taken off because I did not want to be charged interested. I was told it would take 5-10 business days. It has been a month now. Everytime I call to get it fixed I have to wait on hold for at least an hour. The other day I was on the phone for 4 hours trying to escalate my issue to leadership. I was told that I was not being charged interest by multiple employees even though I know that is incorrect. No one can give me an actual date when I will be off forbearance. I will have {$900.00} dollars of interest a month while I am in forbearance instead of getting the interest credit through the save program. If they did this to everyone who self reported their income they are likely racking up millions of dollars of interest. No one can take me off, no one can credit my account, no one can expedite the process, no one can give me an actual date when my request will be processed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
XX/XX/XXXX I got a deposit for XXXX I send about XXXX grand out to family and friend and paid for a couple things thru PayPal that same night they stop my account due to ususably activ come XXXX oclock in the morning I call I get into a debate with the lady she ban my account Also the week before they did the same thing I didnt get ban becuase of good conversation now XXXX is holding XXXX of my money that is well needed this is causing. Me to think XXXX they wont let it go

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA

Complaint narrative:
Fifth Third Bank blocked me from accessing my checking account and fund in the account since XXXX XXXX XXXX The account had a balance of {$15000.00} at that time. Fifth Third Bank claimed to have closed this checking account on XX/XX/XXXX. However, Fifth Third Bank did not send the account balance of {$15000.00} to me and has not provided all information detailed this account closing claim and its related balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: ROBINHOOD MARKETS INC.
State: AR

Complaint narrative:
They do not display any fees or any warnings that their limit orders do no work like standard limit orders on every exchange, and even how their stock limit orders work. I placed a limit order to sell Bitcoin at a specified price, they sold the Bitcoin for far less than my specified price, resulting in a loss. See attached which shows the limit price and the price they gave me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: CA

Complaint narrative:
On XX/XX/XXXX I made two payments to my student loan servicer, Mohela : one for a total of {$5500.00}, and another for a total of {$50.00} ( see attachments ). 

As of today, Sunday, XXXX XXXX XXXX, these payments have not been reflected by StudentAid.gov nor Mohela. Interest continues to accrue even though the payments have been fully processed and are completed according to my bank which sent me the Acquirer Reference Data, Network Reference ID, and Transaction Approval Code ( see attachment ). 

I have sent messages to Mohela and StudentAid.gov for assistance in understanding why my payments are not being reflected on my account -- I have yet to receive a response from either institution. I am ready to pay off my entire loan, but because my two payments are not being applied to my loan account, I am hesitant for any more money to leave my bank. I sent two messages Mohela on XXXX XXXX XXXX 

A fair resolution would be for the two payments I made on XX/XX/XXXX to be credited to my student loan balance, and for the intervening interest from this amount be deducted from my account, and assurance that my next payment to pay off my loan will be applied in a timely manner.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
On XX/XX/XXXX an account was opened with XXXX XXXXSYNCB to finance gutter replacement on my home for {$7900.00}. On XX/XX/XXXX the installation took place & was completed, immediately there were issues with the work. I contacted XXXX of XXXX directly beginning in XX/XX/XXXX to have the numerous issues resolved, including damage to my property, my calls went unanswered. In XX/XX/XXXX I did receive a call from XXXX of XXXX in which they stated they were on their way to my home to fix the gutters, no one showed up or called to state they would not be coming. I called XXXX multiple times after this with no resolution & in XX/XX/XXXX informed them, I would be having their gutters removed & they could come pick them up. It became clear that I would not receive resolution with the company directly. 
In XX/XX/XXXX after having made payments to XXXXSYNCB XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX I contacted Synchrony directly in XX/XX/XXXX to dispute this transaction with the credit card company. Since then, Synchrony has done nothing on my behalf to aid in the dispute of this transaction. Synchrony has stated in their claim denial letter that the merchant is working in good faith and has been in contact with you regarding your concerns and Synchrony Bank can not judge the comfort level of purchased merchandise. I have reasserted this dispute with Synchrony In XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. XXXX of XXXX has not worked with me in any capacity, certainly not in good faith, nor has Synchrony bank. Overall this complete process in hindsight has felt like a scam, with XXXX and Synchrony working together to defraud consumers. 
I am submitting this complaint to the CPFB, the NY State Attorney General and will also provide a copy to XXXX of XXXX and XXXX/SNYCB.

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 2023-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: TN

Complaint narrative:
On XX/XX/XXXX at XXXXXXXX XXXX I went to a XXXX atm inside XXXX to withdraw money. I put my card in and tried to make the withdrawal, I got an error message that said the transaction could not be completed. I knew that I had just gotten paid and had money in my account so I tried to make the withdraw again. The second time the money was disbursed {$60.00}. I took my cash and receipt and left. I got a notification from chime and checked my account and it said I withdrew XXXX twice and it took the money from my account. I contacted chime and showed proof that I only withdrawed money once XXXX so they filed a dispute and said they would investigate. They denied my dispute so I called them and asked why. Customer services told me the the person handling my dispute did not do it correctly so he filed another dispute. Not even 12 hours later my dispute was denied again, even though I showed proof my receipts from my transactions. They will not give me a reason or refund my money. I am going to close my checking account if they do not fix this. I know that they did not investigate that quickly or they would know that I didnt get money twice. Chime is horrible about making things right with customers. My money was taken from my account and they will not give it back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam, Dispute held on XX/XX/XXXX and escalated on XX/XX/XXXX under the number XXXX. 

I hope this letter finds you well. I am writing to formally lodge a complaint regarding a dispute I filed on XX/XX/XXXX regarding my credit report. As of the date of this letter, more than 30 calendar days have passed without receiving any response from the credit reporting agency, and I have been repeatedly transferred to supervisors and the internal affairs department without obtaining a satisfactory resolution. 

The lack of response and constant transfer to different departments without a clear and definitive solution has caused great annoyance and frustration in my situation. Every time I contact the credit reporting agency, the agents and supervisors provide contradictory information and my case is not handled appropriately. 

The Fair Credit Reporting Act ( FCRA ) clearly states that credit reporting agencies have an obligation to investigate and resolve consumer disputes within a reasonable timeframe, which in this case is 30 calendar days. However, the credit reporting agency has exceeded this timeframe without providing a proper response or resolution. 

This lack of action and delay in resolving my dispute is having a significant impact on my life both economically and personally. My ability to obtain credit, loans, and other financial services has been negatively affected due to the lack of response and the incorrect mixing of information in my credit report. 

Furthermore, the inconsistency in the information provided by the credit reporting agency 's agents and supervisors has generated further confusion and has made it difficult to resolve my case. This lack of professionalism and compliance with the deadlines established by the FCRA is unacceptable and has led me to consider taking legal action to protect my consumer rights. 

I request your intervention and assistance in resolving this dispute in a timely and appropriate manner. Additionally, I urge you to take necessary measures to ensure that the credit reporting agency complies with their legal obligations as outlined in the FCRA and that appropriate corrective actions are taken. 

Attached to this letter, you will find copies of all relevant documents related to my dispute, including correspondence with the credit reporting agency and any other pertinent documentation. 

I appreciate your prompt attention to this matter and look forward to receiving a satisfactory response within a reasonable timeframe. I trust that your intervention will help resolve this situation and ensure that necessary measures are taken to protect my consumer rights. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22 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: GA

Complaint narrative:
I was never late on the paid off account listed above. Please show me documentation showing proof of the transaction that I was ever late to support your inaccurate reporting on my account. If you can not supply this, please delete this alleged late payment from credit report.

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