vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-23 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: WA

Complaint narrative:
I am having an issue with my credit card company. The credit card is for XXXX XXXX and it is issued by Synchrony Bank. They have charged me with fraudulent charges that they have created. I discovered that I had lost my original credit card XXXX XXXX and reported it to them. They closed that card and issued me a new card. On XXXX XXXX, XXXX I looked online and saw that fraudulent charges had been made on the replacement card that was issued, but I never received. The new replacement card was stolen during the mailing process. I never received the card. There were XXXX charges made on the stolen card from spanning from XXXX XXXX, XXXX through XXXX XXXX, XXXX, totaling {$990.00}. There could not have been any other charges on the card after XXXX XXXX, XXXX as the card was cancelled. When they sent me a new replacement card for the stolen card they carried the total balance forward of {$990.00} and then they carried forward XXXX of the XXXX individual charges that made up the original amount of {$990.00}. They double billed me for XXXX of the XXXX fraudulent charges. From there, their accounting department has made so many mistakes that are very clearly showing on the bill statements. My bill grew from {$990.00} to {$1700.00} after the card was cancelled and a new card was issued due to their accounting mistakes. The fraud claim was approved and they are now billing me for charges that they created due to their own accounting errors, otherwise looked at by me as fraudulent charges that they, Synchrony Bank, have created on my account. I have a copy of every bill since this issue started, and they have admitted over and over again that they have made a mistake, and they tell me each time I have called that they will get it corrected. This has been going on since XXXX XXXX and they still do not have it corrected. I have documents stating that the fraud claim for the {$990.00} was approved, yet they continue to bill me {$720.00} plus interest on their own fraudulent charges that they have created with their accounting mistakes. My bill is now {$740.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-23 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: MA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-05-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
In XX/XX/XXXX, my realtor contacted me to share that I was eligible as a property owner in XXXX, MA for a residential tax exemption. I submitted my application on XX/XX/XXXX, and it was approved the following week. Once I received the documentation of the credit I contacted Citizens Bank and faxed it to them to reduce my payment due to the significant tax exemption. I never received acknowledgment from Citizens Bank of when and how the exemption would be applied to my payments, and even received a check from the city due to the large credit the first year. It wasn't until I received my annual Escrow Account Disclosure Statement dated XX/XX/XXXX, that I realized I may have been overpaying Citizens Bank due to it not crediting my approved residential tax exemption. The Escrow Account Disclosure states I have a shortage of {$560.00} for XX/XX/XXXX thru XX/XX/XXXX, as a result of the following breakdown : Property Insurance : {$1100.00} Real Estate Tax : {$3300.00} Mortgage Insurance : {$2900.00} Totaling : {$7400.00} My approved residential tax exemption for XX/XX/XXXX is the following : Real Estate Tax : {$3300.00} Preliminary Tax : {$1700.00} Preliminary Credit : {$1700.00} Third Quarter Tax : {$820.00} Fourth Quarter Tax : {$820.00} Totaling : {$1600.00} for real estate taxes Making the difference between $ XXXX {$1700.00}. Therefore, the estimated annual cost on the statement is wrong. It is not {$7400.00}, but {$5700.00}. I have suffered the shortage, not Citizens Bank and it should be corrected I question if Citizens Bank has been overpaying my real estate property taxes and refunded the overpayment and never adjusted my loan to take into account my approved residential tax exemption. If yes, Citizens Bank owes me the tax credits for XXXX, XXXX and XXXX. I estimate this amounts to {$5100.00}. Please see the attached supporting documents. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ME

Complaint narrative:
I opened a new savings account and the Bank website and the bank XXXX confirmed this statement from the bank 's website XXXX XXXX For new accounts, we will waive the monthly maintenance fee for six months from account opening. '' *** SO, AT THE DIRECTION OF THE BANK MANAGER, I DEPOSITED {$100.00}. ON THE SIX MONTH I WAS AUTOMATICALLY CHARGED AN {$8.00} SERVICE CHARGE FOR SUPPOSEDLY HAVE A LOW BALANCE. I went to to the bank on XXXX XXXX XXXX and I was told by the bank manager I needed to maintain a balance of {$500.00} or more. Therefore i deposited additional funds in my account that brought my balance to {$500.00}. I was referred to this additional statement from the bank 's website : *** " {$8.00} per statement cycle We'll waive the monthly maintenance fee each statement cycle you meet one of the following : Maintain a minimum daily balance of {$500.00} or more in your account '' **** Since I complied with this new requirement of having a balance greater that {$500.00} I was assured by the bank manager that I would not be assessed any {$8.00} service fees anymore... INSTEAD, THE BANK CONTINUED TO WITHDRAW {$8.00} PER MONTH FRPOM MY ACCOUNT, WHICH CAUSED MY BALANCE TO FALL BELOW {$500.00}!!!!!! 
I VISITED THE BANK MANAGER XXXX XXXX AND SHE ASSURED ME THE BANK HAD MADE A BIG MISTAKE AND MY FUNDS WOULD BE RETURNED SO MY BALANCE WAS BROUGHT BACK OVER {$500.00}. XXXX XXXX XXXX XXXX XXXX has not done anything and all attempts to contact her further have been rebuffed. I believe there is fraud at this bank and someone there is illegally withdrawing funds from customer 's accounts. I should never had been charged service fees after my account balance exceeded {$500.00}. I want all my funds restored and a written personal apology. I want all bank employees charged with theft and fraud. 

https : //www.bankofamerica.comXXXX

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 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
unsecured loan open XX/XX/year> for the amount of {$30000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY
State: TN

Complaint narrative:
this account was fradulent opened on XX/XX/2019 for the amount of {$7000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I'm feeling troubled, unhappy, and stressed regarding the developments in my credit report. There are late payment remarks on some of my accounts, even though I have consistently made timely payments. I haven't missed any payments, and I urgently need your assistance in resolving this matter.

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 2024-05-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Assistance Inc
State: TX

Complaint narrative:
I don't recall having a contractual relationship with this collection company Financial Assistance Inc. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XX/XX/2024 between XXXX - XXXX I was depositing a XXXX into ATM machine to deposit into checking account. It counted and rejected my cashes. The window opens for me to take my cash back and flatten it or straightened it out. I put it back inside. The window does not close. I waited for a bit. I pressed to go back and the window immediately closed with my cash inside. I went to take out {$20.00} out of my checking account to get a XXXX back along with {$20.00}. It again said error and can't give out cash. I request to deposit into checking account so I can get cash back from window. It's all gone.

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 2024-05-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
XXXX  the XXXX of XXXX  we flew into XXXX XXXX for my wife birthday I tried to use my Citi debit card and it was blocked for the XXXX time and I was told yet again my account was under review and that someone would call me within XXXX hours I called them numerous times explaining that we are in XXXX XXXX  XXXX unable to eat drink or pay hotel bill book flight home as all our money in this account to be told they closing my account and I would get any money in XXXX days I told them for the last XXXX days we not eating or drinking due to no money as I only have my Citi debit card with me and no one is helping leaving us stranded ruining our holiday my wife birthday and without food and the possibility of being on the street from tomorrow

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 2024-05-23 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: VA

Complaint narrative:
Delete this account for Violation and inaccuracy because the last paid date for XX/XX/year> through XX/XX/year> reported is incorrectly on XXXX, XXXX and Transunion. In addition, number of late payments and status of account on XXXX do NOT match with XXXX, and Transunion. Account of Late payments are incorrect, and Date reported are incorrect, Status are incorrect on XXXX, XXXX, Transunion. 
Account name 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 non-monetary relief
Consumer complaint received 2024-05-23 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: VA

Complaint narrative:
Delete this account for Violation and inaccuracy because the last paid date for XX/XX/2019 through XX/XX/2019 reported is incorrectly on XXXX, Equifax and XXXX. In addition, number of late payments and status of account on XXXX do NOT match with Equifax, and XXXX. Account of Late payments are incorrect, and Date reported are incorrect, Status are incorrect on XXXX, Equifax, XXXX. 
Account name XXXX XXXX XXXX XXXX Account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Ive submitted proof of Identification card, Social Security card proof of address and FTC On the page 2 These INQUIRIES should not be furnished on my consumer report as they are in VIOLATION!!! OF MY CONSUMER RIGHTS

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 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Ive submitted proof of Identification card, Social Security card proof of address and FTC On the page 2 These INQUIRIES should not be furnished on my consumer report as they are in VIOLATION!!! OF MY CONSUMER RIGHTS

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 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
account was opened on XX/XX/year> for the amount of {$15000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
account was opened on XX/XX/year> for the amount of {$15000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Under the Fair Credit Reporting Act, the accounts listed below have violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX Account Number XXXX, and XXXX XXXX Account Number XXXX have violated my rights. 

Upon reviewing my TransUnion, report on XX/XX/2024, I was deeply troubled to find that some information is incomplete and inaccurate. This has had a direct and negative impact on my financial standing, a situation that the Fair Credit Reporting Act is designed to prevent, as stated in 15 USC 1681 ( e ) ( b ).

Additionally, according to 15 USC 1681, if information is found to be inaccurate or incomplete after any reinvestigation, the consumer reporting agency must promptly delete or modify that information based on the results of the reinvestigation and notify the furnisher of the information.

Moreover, according to 15 USC 1681s-2, no information relating to a consumer should be furnished to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-23 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: PR

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and 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 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are some fraudulent inquiries on my 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 explanation
Consumer complaint received 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Upon reviewing my credit report, I discovered inaccurate accounts that need to be reported and corrected by your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Upon reviewing my credit report, I discovered inaccurate accounts that need to be reported and corrected by your company.

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