vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I had a Sears XXXX that was delinquent from XX/XX/XXXX to XX/XX/XXXX. In XX/XX/XXXX, Sears charged off a balance of {$330.00}. I paid the {$330.00} balance on XX/XX/XXXX. The delinquency and charge off were caused by my medical condition. I sent Sears a letter dated XX/XX/XXXX which asked them to remove delinquency and charge off information from my credit file because they were caused by my medical condition. Sears sent me a letter dated XX/XX/XXXX which didn't indicate that Sears would remove delinquency and charge off information from my credit file. I believe that delinquency and charge off information should be removed from my credit file because on XX/XX/XXXX, the three credit bureaus were no longer reporting medical debts that were paid after being sent to collections. Sears sent my account to collections but the name of the collection agency is unknown. Nonetheless, after collections, I paid in full the balance of my account. So, again, I feel that Sears should remove delinquency and charge off information from my credit file because they were caused by my medical condition.

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 2022-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I received a letter in the mail today informing me that I was not approved for a XXXX XXXX XXXX XXXX XXXX applied for in my name on XX/XX/2022. I did not apply for this card or any other in recent history. TransUnion shows the information submitted to the company as being an old phone number ( not current ), my first and last name, and my address. My credit score dropped XXXX points for the hard inquiry due to its chronological proximity to a pull done for a credit card I opened two months ago. I did not apply for this card ; TransUnion does not allow you to dispute inquiries, so that's a problem in and of itself. The issue with XXXX is that I don't know how this bank got my information in an application and THEN failed to perform adequate checking to make sure the information belonged to the applicant.

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 2022-08-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: PA

Complaint narrative:
XXXX worker stole my XXXX XXXX phone didnt put it on receipt they know this information I reported this and my info was sold to accounts receivable I am not paying this money and they keep calling and harassing I never spoke to them they know and they can research with XXXX  XXXX its all documented

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 2022-08-21 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: MI

Complaint narrative:
It makes no sense that by the time you add your pictures you're logged out and have to start all over. The Consumer Protection Bureau should automatically save a complaint you start instead of having a person start all over. I always try to resolve issues with companies before filing any consumer complaints. 

My credit have been ruined because of these 5 companies. I'll be filing 5 consumer complaints on 5 different companies that have reported FALSE information to the Credit Bureaus. My credit score have dropped over 100 points within 30 days due to these companies. The Credit Bureaus allow companies to report anything including FALSE information without allowingvthe customer to fix it before they report it. Therefore i'll be also filing a consumer complaint against all 3 Credit Bureaus with the Attorney General 's Office. 


I have a Care Credit Card with Synchrony Bank. I was very embarassed when i was due to have a much needed XXXX XXXXXXXX in which if i don't have this XXXX it could XXXX XXXX XXXX  XXXX  and i could die. O was also embarassed when i couldn't get my kids much needed medical things for my XXXX XXXX Child and my XXXX Child. Synchrony Bank lowered my credit limit from {$970.00} to {$230.00} which makes the card not worth having if you're financing anything. I called Synchrony Bank to ask why they lowered my credit limit only to laughed at by one of their Sarcastic employees. Even when i told Synchrony Bank i was a victim of recent Identity Theft they still kept my credit limit lowered preventing me from having much needed dental needs and medical things for my children who have XXXX XXXX as well that our insurance doesn't cover. Synchrony Bank only told me after the fact they lowered it that my credit limit was lowered. Lowering my credit score caused my credit score to drop as well as increase my usage which i kept at 30 % or lower.

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 2022-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/2022 I deposited a check from my employer for {$870.00}. Which deposited into my account that night but on XX/XX/2022 it was listed as Exceptions/Administrative Hold for the check amount of {$870.00}. On XX/XX/2022 I called the bank and was advised this would take ten days to clear and they would give no specific reason as to why it was on hold and that its just the way the system works with these kind of checks even though I had submitted multiple paychecks from this employer before this incident.

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 2022-08-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I lose my job and I just got a new job and I'm trying to fix my mortgage payments and I need help with this situation because my kids father wants to take my house at etc n

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 2022-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I opened a checking account with Wells Fargo on XX/XX/XXXX. Banking promotion was for {$300.00} once I met the qualifications. I had a direct deposit of {$1000.00} within 90 days. Deposits of {$1000.00} made on XX/XX/XXXX and on XX/XX/XXXX. No credit received from Wells Fargo within 90 days of meeting requirements.

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 2022-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
XXXX is reporting an Inquiry on my XXXX  credit report that I don't recognize on XX/XX/2022. 

XXXX is reporting an inquiry on my XXXX credit report that I don't recognize on XX/XX/2022. 

Bank of America is reporting an Inquiry on my XXXX credit report that I don't recognize on XX/XX/2022.

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 2022-08-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Paramount Recovery Systems, L.P.
State: GA

Complaint narrative:
my medical insurance would cover this. 
them failing to file it and or incorrectly per my insurance policy and the contract with them and my insurance if they file incorrectly or do not file I am not responsible for the balance. 
per my policy ER visits are only copay. 
this company continues to call me when I ve asked them to not call my work phone not only is this a HIPAA violation but to add to things they thing it's OK to report the debt and then wait a few months and report the same debt. 

I've previously deputed this debt they never validate the debt. 

it will disappear and then they will add it again months later with a new date to start the aging process and statue of limitations over. 
apparently the FCRA and laws do not apply to them..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Reinvestigate unverified accounts 

XXXX  XXXX  : unverified XXXX XXXX: unverified XXXX XXXX XXXX XXXX: unverified XXXX XXXX : unverified XXXX XXXX unverified 
XXXX: unverified

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 2022-08-21 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 — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY
State: NV

Complaint narrative:
I have fraud on my target credit card. I contacted target immediately when I noticed the fraud charges, I was told nothing they can do I need to call back during business hours when the fraud team is open! Excuse me???? Why do I have to call back because the team isnt 24 hours???? First off all the amount of charges and the high dollar amount you allowed on a fairly new account is unacceptable. Target should have immediately stopped these charges and contacted me but instead let them go through! THEN when I Called the fraud department they said I have to fill out a form before they take a fraud claim. Excuse me??? Im not filling anything out!!!! Take these charges off my account now!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-21 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: NC

Complaint narrative:
XXXX  unverified accounts 

XXXX XXXX : unverified 
XXXX XXXX XXXX XXXX : unverified XXXX XXXX  : unverified 
XXXX  : unverified 
XXXX XXXX : unverified 
XXXX XXXX : unverified

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Solar Mosaic LLC
State: TX

Complaint narrative:
XXXX  is involved in a Fraud Suit ( Case # XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, Texas ) ... Reported to Credit Bureaus, and received from Credit Bureau that all information reported was correct when it's not... The litigation is still pending, and Case is still active ... The company ( XXXX ) was taking monies from my bank account due to fraudulent activity ... Yet the Company ( XXXX ) shows paying as agreed on my account...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
XXXX is reporting an Inquiry on my XXXX  credit report that I don't recognize on XX/XX/2022. 

XXXX  is reporting an inquiry on my XXXX credit report that I don't recognize on XX/XX/2022. 

XXXX  XXXX XXXX is reporting an Inquiry on my XXXX credit report that I don't recognize on XX/XX/2022.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
AMEX is reporting an Inquiry on my XXXX  credit report that I don't recognize on XX/XX/2022. 

XXXX is reporting an inquiry on my XXXX credit report that I don't recognize on XX/XX/2022. 

XXXX  XXXX XXXX is reporting an Inquiry on my XXXX credit report that I don't recognize on XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21 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: AL

Complaint narrative:
n 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 instruction.

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 2022-08-21 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: AL

Complaint narrative:
n 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 instruction.

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 2022-08-21 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: AL

Complaint narrative:
n 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 instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21 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: AL

Complaint narrative:
n 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 instructio
n.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
On XX/XX/2022, I was informed that Synchrony Bank filed a lawsuit against me. I am currently working with a Debt Consolidation company, and Legal Team who I have given POA to work with Synchrony and try and settle the debt. Synchrony has made no good faith efforts to work with my representation, instead, they file a lawsuit. Their current approach seems to deceptive and malicious, when I am trying to settle with them, and they are using the courts to get around a settlement and add more fees to me. 

This all seems to be blatant unfair and deceptive practices. I am looking to your agency to please help me as a consumer. Thank you for your help and 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 2022-08-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Allied Collection Services, Inc. (Nevada)
State: NV

Complaint narrative:
XXXX XXXX has been harassing me for a medical bill that was already paid by insurance, also it never provided me with a validation of debt in the event the debt was real, contacted previous provider and was advised they do not do business with that collection agency and they can not verify the debt is owed, have file a dispute with credit bureaus and has been remove from two of them however they refuse to have it remove from XXXX, they have been contacting me to collect a debt that is not owed.

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 2022-08-21 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: AL

Complaint narrative:
n 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 instruction.

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 2022-08-21 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: FL

Complaint narrative:
I am unsure how and why XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX pulled a hard inquiry on my account. I did not give them written consent to review my credit reports

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 2022-08-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/XXXX, ask CitiBank for a Transfer Balance of my credit card ending in XXXX, to my checking account at XXXX XXXX  XXXX in the amount of {$3400.00}. 

According to the CitiBank app, this transfer was made on XX/XX/XXXX, but it was not so since this money NEVER reached my XXXX XXXX XXXX account. I immediately contacted CitiBank customer service and they told me that if the transfer had been sent, I should contact XXXX  XXXX XXXX, when calling the latter they told me that no CitiBank transfer in the amount of {$3400.00} appeared in their system. 

I have called CitiBank approximately 50 times requesting information and every time I call all the operators who answer me they tell me different information, they ask me for different data and again we fall into it. 

On XX/XX/XXXX I contacted CitiBank again and requested that a dispute be initiated over this amount {$3400.00}, and on XX/XX/XXXX, I took a letter by mail informing me about the start of the dispute. 

On XX/XX/XXXX, I receive an email saying that the transfer had been successful and they sent me a XXXX ID and a Trace ID, when checking the CitiBank app I notice that the charge of {$3400.00}, is on my credit card, upon receiving this email I call Citibank again and the operator that serves me tells me that the dispute of XX/XX/XXXX I feel mocked by CitiBank, since they do not give me an answer about that transfer money that I NEVER received in my XXXX XXXX XXXX account. I don't understand why every time I call they tell me different information, I feel like they make fun of me. 

I can't pay a money I never received and they have to give me an answer about it, I ask for their help to see how I can get CitibanK to answer me and remove that charge from my credit card. It is worth noting that I make a minimum payment of {$35.00} so that the account will not fall into arrears and my credit is not affected. 

I am sending you an image of the emails and the dispute charge that was supposed to start. 

Sincerely. 

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 monetary relief
Consumer complaint received 2022-08-21 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A.
State: AL

Complaint narrative:
i have a inquiry on my report XX/XX/2022 from CBNA. i need it removed i never applied there thank you.

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