vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: MS

Complaint narrative:
Pursuant to 15 USC 1601, economic stabilization would be enhanced and competition amongst financial institutions would be strengthened by the informed use of credit. I am attempting to avoid the uninformed use of credit, and to protect my self, the consumer, against inaccurate and unfair credit billing and credit card practices.

Pursuant to 15 USC 1681, The banking system is dependent upon fair and accurate credit reporting. I have been discriminated against as a consumer, the natural person.

Pursuant to 12 CFR 1002.7, I applied for an extension of credit through XXXX XXXX and Synchrony Bank in good faith and was denied. XXXX XXXX and Synchrony Bank accepted my credit card ( social security # ) initially during the application process but I received no benefit for this consumer credit transaction. It is unlawful for a creditor to discriminate against any applicant with respect to any aspect of a consumer credit transaction done in good faith. I can not find where it is lawful to be denied for the reasons that were provided to me in the adverse action letter. 

Pursuant to 15 USC 1681b ( a ) ( 2 ) XXXX XXXX and Synchrony Bank determined my creditworthiness via a third party affiliate, XXXX. XXXX XXXX, which I did not give written instructions to give reports on me. Further, this consumer reporting agency has never contacted me so this constitutes identity theft ( unauthorized use of credit card ) considering the fact I, the consumer, have never spoken to XXXX. XXXX XXXX personally. 

Pursuant to 15 USC 1681b ( c ) ( 1 ) ( A ) and 15 USC 1681b ( c ) ( 1 ) ( B ) ( ii ), Whatever has been reported on my behalf to XXXX XXXX and Synchrony Bank was never authorized by me, the consumer. Furthermore, XXXX. XXXX XXXX is not compliant with 15 USC 1681b ( c ) ( 2 ) ( e ).

Pursuant to 15 USC 1611, XXXX XXXX and Synchrony Bank has willfully and knowingly furnished me false and inaccurate information in regards to this extension of consumer credit. I know I am the original creditor and it is a right GRANTED to me and shall not be denied.

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 2022-10-22 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX  Account XXXX : XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX Account Number : XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account XXXX : XXXX XXXX XXXX Account Number : 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 2022-10-22 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
How is it possible that more than 4 months after I started sending letters to the credit bureaus they haven't done anything for me? I know people who started sending letters long after me and they already have the results of the investigations. So it means that I have less rights than others?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
How is it possible that more than 4 months after I started sending letters to the credit bureaus they haven't done anything for me? I know people who started sending letters long after me and they already have the results of the investigations. So it means that I have less rights than others?

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 2022-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
The following company has been reporting this account to my credit file and has yet to provide me with a full debt validation. Please remove this account from my credit file as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Block, Inc.
State: HI

Complaint narrative:
I want to get my money back from cash app and XXXX since this person XXXX XXXX from XXXX XXXX  scammed me in sending money to false accounts!!!!! He took about {$1100.00} from right so I had to close my bank account and open up a new one!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XXXX XXXX I received a call from a Bank of America employee/impersonator. He called to inform me that they noticed suspicious activity on my account and wanted to verify some information. He asked if I have traveled to Florida because I reside in Texas. I told him no I haven't. So he said he noticed some purchases for large amounts from XXXX XXXX and XXXX. I stated that I did not attempt to make those purchases. He also asked if I tried to XXXX to people some money and I also told him no. He told me I wouldn't be able to access my online banking and someone had turned my alert notifications off and also download my account to their digital wallet. He said I wouldn't be able to see the transactions because of that and they were pending. After that he asked for my social security number. So I said wait, how do I know you are who you say you are and he stated if you look on the back of your debit card you can see the number that I'm calling you from is the same number listed on your debit card. So we proceeded with what suppose to be a claim. He sent one time passcodes as well that said BofA. I contacted my bank today XX/XX/2022 and asked about the claim and they weren't aware of it. So I told the representative I can't access my online banking and he reset the passcode for me and that's when I noticed all my money was gone. When I spoke to the person on Monday they told me I wouldn't be able to access my account. I filed a claim today with Bank of America but they are saying it could take up to 45 days for the claim to be resolved. I don't have any money at all. That was my rent and car note money and I have XXXX kids that I take care of alone. I don't know what to do and I'm so lost and hurt.

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 2022-10-22 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: CA

Complaint narrative:
I have recently received a copy of my credit report. I am writing in regards to an issue with my credit file. I have noticed that account active that I DIDNT AUTHORIZE. has reported to the bureaus that RESULTED IN CHARGE OFFS. According to the Federal Fair Debt Collection Practices Act, I have a right to have the alleged debt validated. I respectfully request to be provided proof of this alleged item, specifically the contract, payment history or other instrument bearing my signature. 

I disputed these inaccurate items over 35 days ago. Only verification of late payment were made not proof of this alleged item or my signature on documents for each account. 

Never opened a XXXX XXXX and have two accounts NOW. Verification of these signature on documents. 

XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX would like the same. Verification of these signature on documents XXXX XXXX XXXX  15 u.s.c 1681 section 602A 15 u.s.c 1681 section 604A section 2

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22 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: MI

Complaint narrative:
In accordance with the fair credit reporting act Transunion reporting agency, XXXX reporting agency, and XXXX reporting agency. Has violated my rights. 15U.S.C 1682 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 consent. Section 605 A 15 U.S.C 1681 C-1 states that without my consent, it is identity theft. Section 605 B 15 U.S.C 1681 C-2 if theyre notified that something is on my credit report that results from identity theft, it needs to be removed within XXXX business days. Please remove the following accounts Transunion XXXXXXXX XXXX  XXXX XXXX XX/XX/XXXX. I XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. Transunion inquires, XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX ( XXXX ) XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX. XXXX XXXX ( XXXX ) XX/XX/XXXX. XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX, XXXX. XXXX / XXXX XXXX of XXXX ( XXXX ) XX/XX/XXXX. XXXX XXXX ( XXXX ) XX/XX/XXXX. XXXX XXXX. XXXX, XXXX XXXX XX/XX/XXXX. XXXX Inquires, XXXX XXXX XX/XX/XXXX. XXXX XXXX Ser XX/XX/XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX, XXXX main XX/XX/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 2022-10-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IL

Complaint narrative:
On XX/XX/XXXX I discovered that my Mortgage Company never processed my XXXX XXXX payment. I have verification from the mortgage company app stating that the payment was scheduled for XX/XX/XXXX. Because of this error by the mortgage company, they have added late fees, and reported this to the credit agencies; resulting in a XXXX loss on my credit score. I faxed a letter to the mortgage company on XX/XX/XXXX explaining that this was no fault of mine, it's their fault. I have also NEVER been late on my mortgage payments in the past. Carrington Mortgage Company seems unwilling to work with me to make right of this situation. I also received a certified letter in the mail today stating that I am in default and if a payment is not received, they will start foreclosure proceedings. This is absolutely absurd that a hard working, tax paying, American citizen can be treated like this by a mortgage company. I would appreciate advise on how to proceed as soon as possible. 

XXXX XXXX XXXX Mortgage Company : Carrington Mortgage Services LLC XXXX XXXX XXXX XXXX, IN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
On XXXX, I received a hard hit inquiry notification on my XXXX Credit Report. The inquiry came from TD BankXXXX XXXX XXXX 
TD Bank opened an account in my name and address for someone wo purchased XXXX separate items from XXXX. I never authorized TD Bank to pull my credit nor was it I who opened the account. TD Bank authorized a credit limit of {$4500.00} in which {$4000.00} was used to purchase XXXX separate items from XXXX. I called XXXX that same day ( after I saw XXXX emails about confirmed XXXX purchases ). 
XXXX is in the process ( with XXXX  ) of stopping the deliveries to my address. The Rep from XXXX gave me a phone number and email address of a person of interest. Even though the account has my name and home address and email address, it also has another phone number and email address as well. I called all XXXX Credit Bureaus today and put a FREEZE and SECURITY ALERT in my file. They also suggest I take this step to further stop the criminal and any further damage.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
First issue : Following an advertisement I saw online for a new bank account bonus at Citibank, I opened an account on XX/XX/2022, signed the new client documents with docusign, and deposited {$50000.00} in the account writhing XXXX days of opening the account ( as required by the offer ). XXXX  days after that XXXX day post account opening, I earned the {$700.00} bonus. The agreement said I would be paid the bonus within XXXX days after I earned the bonus. I submitted a XXXX as required by the offer to receive the bonus. XXXX  days was around XX/XX/XXXX. It is XX/XX/XXXX and I still have not received the bonus. I have spoken to Citi and used their chat function many times in the last few weeks. The customer service reps have provided conflicting information and also information that contradicts the paperwork they sent me and the advertising disclosures ( which I have ). Most recently, a rep told me on the phone on XX/XX/XXXX that I would be paid the full {$700.00} bonus on the XXXX. I still havent received the bonus. 

Second issue : A previous rep on their chat system said I had not earned the {$700.00} because my account went below {$50000.00} for a month. This is false. I had moved {$10.00} from the savings account to the checking account so it would not be closed. The term of the deal said the amount on deposite is the aggregate if both accounts. However, I noticed that Citi has been deducting federal tax withholding from the savings account every month. They should not be doing that. I provided my SSN when I opened the account so they should give me a XXXX after they pay the bonus but there is no justification for them witholding. Additionally, they started withholding BEFORE they paid any interest into the account and they apply the witholding before they debit the monthly interest on the account. If theres no interest income, how can their be tax withheld? And wouldnt the interest income always exceed the withholding such that the balance in the account would never go below the initial deposit? When I asked a Citi employee about it, he could not provide a reason why they were witholding taxes. Seems like a ploy to disqualify people from the bonus they earned. 

Third issue : just an FYI to anybody else who does a CITI offer. If you ask customer service reps whether you can withdraw your funds after youve earned the bonus, some of them will say you have to leave it with Citi until the bonus is paid ( clearly wrong and not required by the agreement but nice for CITI to hold your money XXXX ). Others will say its totally fine to withdraw the funds after youve earned the bonus.

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 2022-10-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: IL

Complaint narrative:
I requested a refund on XX/XX/22 and was told I would receive a refund within XXXX weeks. Called again and was told refund request was approved on XXXX. 
Called back earlier this month and was told my request had been mistakenly sitting in queue with no representative handling it or processing it. Have called XXXX  times since, so XXXX total. XXXX business days and no balance change ( Aidvantage ) and no refund received.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Self Financial Inc.
State: CT

Complaint narrative:
In XXXX of 2022 I joined Self so I could help build my credit since I didnt have any, while opening the account it told me I had to speak to customer service because something was wrong they stated I didnt have any identity. I was told by an employee If I made any payments it wouldnt help my credit being that I didnt have any, so I didnt make the payment and the account was closed and now its on my credit as a late payment, Im trying to get this off my credit report because this is ridiculous if thats what the employee told me to do then this needs to be rectified.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22 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: NC

Complaint narrative:
I am writing about the company XXXX, which seems to refuse to remove their information about charge-offs on my credit reports. The account was opened in XXXX. I am also complaining about XXXX and Experian. On XX/XX/XXXX of XXXX, I disputed XXXX card services and XXXX with all three credit bureaus. XXXX is the only one that actually deleted both from my credit report. I have contacted Experian and XXXX several times about this. Experian and XXXX still show the XXXX card services and the XXXX account. I have tried contacting XXXX several times at the number provided, which is XXXX. You can not get anyone if you do not have your account number. It asks you for your account number or if you want to put in your Social Security number. I put in my Social Security number. Then it asks for the last XXXX of the account number. I can not speak with anyone about this because I no longer have that information. 
Whenever I contact Experian or XXXX or dispute this with them, they tell me that it will remain on my credit report. Even though I have advised them there is no way for me to get in contact with them via the phone, this is still their response. I was told the first delinquency for XXXX was on XX/XX/XXXX. If bad credit is supposed to stay on your credit reports for XXXX years, this should have been removed on XX/XX/XXXX. When I called in to speak with advisors from Experian about these XXXX accounts, They stated that the removal date for the XXXX card services was on XX/XX/XXXX, and in XXXX. They stated that the removal date for XXXX would be XX/XX/XXXX. Today 's date is XX/XX/XXXX. Experian should have removed these already. When I spoke with advocates from XXXX, they told me that the XXXX card services removal date would be in XX/XX/XXXX, and the removal for XXXX would be in XX/XX/XXXX. I honestly do not trust that XXXX will remove those XXXX cards when XXXX of this year gets here. If all three credit bureaus are supposed to report the same information, then they should be deleted immediately because XXXX has already done so after I disputed these cards/ loans with them. Another thing I'm incredibly concerned about is the fact that Experian does not show that this account is closed, which it has been for years now. Something needs to be done about this fast because it affects my ability to apply for certain types of credit.

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 2022-10-22 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: CA

Complaint narrative:
I have recently received a copy of my credit report. I am writing in regards to an issue with my credit file. I have noticed that account active that I DIDNT AUTHORIZE. has reported to the bureaus that RESULTED IN CHARGE OFFS. According to the Federal Fair Debt Collection Practices Act, I have a right to have the alleged debt validated. I respectfully request to be provided proof of this alleged item, specifically the contract, payment history or other instrument bearing my signature. 

I disputed these inaccurate items over XXXX XXXXays ago. Only verification of late payment were made not proof of this alleged item or my signature on documents for each account. 

Never opened a XXXX XXXX and have XXXX accounts NOW. Verification of these signature on documents. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX would like the same. Verification of these signature on documents XXXX XXXX  XXXX 15 u.s.c 1681 section 602A 15 u.s.c 1681 section 604A section 2

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