vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
New checking account Citi bank promotion, {$1000.00} promotion added to a deposit of XXXX after 90 days. 180 days have passed and bonus was never paid, I have been to local branch 3 times with out resolution. I want to close account and move the funds to a Certificate of deposit however the banking associate instructed me not to close the account because I will lose any chance of getting the promotion. On top of not getting the bonus this checking account is preventing me from earning interest.

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 2023-01-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I requested that Transunion complete a thorough investigation of several accounts listed on my credit report. Transunion 's response was that my account was properly investigated and that all items in question were verified by their data furnisher. I do not understand how this is possible when there are several accounts listed with the following inaccuracies : inaccurate open date, inaccurate date of last activity, inaccurate closed date, inaccurate high balance, inaccurate payment status and activity, inaccurate past due amounts, inaccurate closed date, unknown accounts, inaccurate balance owed, and monthly reported charge off status with old accounts. There's a plethora of inaccuracies being reported that not only misrepresents me, diminishes my character, and contributes to severe financial hardships including homelessness, but also violates my rights under several laws listed below ( a couple typed below ). This is grounds for removal immediately. 15 U.S.C. 1681 section 602 A. States that I have the right to privacy 15 U.S.C. 1681 section 604 A Section 2 : states that consumer credit reporting agencies can not furnish an account without my written instructions.

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 2023-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2022 I received a notification that was definitely in error. It was for XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX ) and for over XXXX XXXX dollars. I can not remember whether I approved the purchase accidentally but received no other notifications regarding the transaction ( s. ) I discovered in the month of XXXX that there were several charges made through XXXX for a range of transactions and became overwhelmed. I contacted my bank ( Chase ) in XXXX and was not given any information or instruction on what to do. The charges continued. In XXXX I finally contacted the fraud department and was on a three hour phone call where I made a fraud complaint. It seemed like it was being taken very seriously but received no further action being taken on the part of the bank and the mysterious charges continued even when I discontinued use of the XXXX application completely removing it from all members of my households devices. I contacted the fraud department on XX/XX/2022 when they told me the fraud complaint was approved and they were going to be reimbursing me by XX/XX/2022. I waited until XX/XX/2022 to contact them and they said the fraud complaint had been denied due to " chip to chip '' transactions with no explanation of what that meant. I attempted to contact them again and spoke to the escalations department where another fraud complaint was made and seemingly taken seriously only foe me to contact them again and have a phone representative tell me that there was no such second fraud complaint made. I became so frustrated i closed both my checking and savings accounts and have been forced to keep an account open to be ablento receive a monthly income from a renter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
UNTIL YOU CAN PROVIDE ME WITH A DOCUMENT PROVING THAT I GAVE ACCOUNT RESOLUTION CORP MY REQUEST TO RELEASE MY MEDICAL INFORMATION TO YOU, CREDIT BUREUA, I DEMAND YOU DELETE THE FOLLOWING ACCOUNT ( S )! Acct Name : Account XXXX  XXXX ; Acct # : XXXX ; Acct Name : Account XXXX XXXX Account # : XXXX ; Acct Name : Account XXXX XXXX Account # : XXXX ; Under the Health Insurance Portability and Accountability Act of 1996 ( XXXX ) XXXX I reserve the right to protect the privacy of my personal information and medical, records from all third party reporting agencies. Continuing to report this Medical debt without properly validating and providing me proof of permission is a violation of the FCRA ( Fair Credit Reporting Act ).

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 2023-01-17 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: SLM CORPORATION
State: CA

Complaint narrative:
I was let go from work on XX/XX/22 which affected my ability to make any payments moving forward due to delays with XXXX XXXX and stress finding a new job. I called Sallie Mae twice in early XXXX before my next due date ( XX/XX/22 ) with my co-signer to try requesting forbearance as my co-signer who is my mother, lost her brother and had to cover funeral and medical costs for him. I explained this to Sallie Mae and asked to speak with a supervisor and they finally said you do qualify for a program. Upon being transferred, I was then informed that I would still need to make payments to bring the account up-to-date in order to enroll in the program. I explained again that I am not working and not receiving ANY income and they refused to help me. I would have to make a payment of {$460.00} in order to move forward. I was able to accrue this amount despite not working and co-signer also facing financial difficulties and they still said they could not fulfill my forbearance request because Im not in school or an intern and that I would still be required to make some form of payment regardless. This also happened last year and during the pandemic where they were unwilling to help with my request to temporarily stop payments due to financial circumstances.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
Chase credit card company would not accept a payment from me because it was XXXX hours late. They then doubled the monthly amount on me which I could not afford. I am on XXXX. They even charged me late fees after I closed the account. This is very unfair and predatory treatment. Thank you. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 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: FirstPoint Collection Resources
State: NY

Complaint narrative:
RE : XXXX " I reviewed my credit report and I see data being reported about me from Firstpoint Collection Resources XXXX I never gave Firstpoint Collection Resources permission to receive my data nor to furnish it to consumer reporting agencies. Please remove this information immediately. '' I don't understand why you all would close the complaint instead of asking for the information you needed. 

I never gave you permission to even have my data nor report anything about me. This is a violation of my privacy and impermissible purpose. 

Please do not close this complaint as you are required to have a contract directly from me saying that I consented to you reporting my consumer information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 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: DE

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
My name is XXXX XXXX, XXXX XX/XX/XXXX. On Saturday, XX/XX/XXXX I went down to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was then pressured into signing up for a CareCredit card with them. The Dentist  in charge of my care said I could lose my teeth since the XXXX XXXX was too far gone to treat it. He then told me I needed a root canal and this product sold by XXXX XXXX to save my teeth. I was then sent to another XXXX XXXX XXXX XXXX XXXX Before I left XXXX XXXX that day they said their product wasnt covered by insurance and that the product I needed to save my teeth from falling out cost XXXX XXXX I told them I couldnt afford paying out of pocket. Thats when they pushed their CareCredit card on me. I was mentally scared for the health of my teeth so out of fear for my health I applied and signed up for the credit card. The representative of XXXX XXXX told me there would no interest rates and my payment would be low. I wasnt able to read the contract since the representative had control of it. She just told me where to sign and I wasnt allowed to read it completely until after I signed. Then they gave me the products which havent been used and I have no intention of using. They were over-the counter-dental hygiene products. I tried to return the product two days later, but they said I couldnt do that since I signed the contract already. They said I could only get up to 20 % of the cost back. In essence I was misled into signing up for a CareCredit card. They didnt let me read the contract until after I signed. I was pressured into signing up by the use of fear from my own Dentist. They also used deceptive practices about interest rates to get me to signup. They also blatantly lied about interest rates and I couldnt even read the fine print until after I signed.

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 2023-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
From XXXX to XXXX I had a checking later years I had a credit card and credit line. They were posting withdraws and deposits so I would overdraft and charging me fees then they opened me a credit card without my knowledge and put the overdraft on the credit card.

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 2023-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
TranUnion website stating it was having an error on there side in order for me to get a PDF or online version of 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 non-monetary relief
Consumer complaint received 2023-01-17 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: DISCOVER BANK
State: UT

Complaint narrative:
There is a late payment reporting on my Discover account on XXXX XXXX XXXX. I have tried to reach out to discover to fix this issue but have yet to hear back anything from them. I have a simple request/explanation as to what happened. During the month of XX/XX/2022 I was out of town to attend my grandmother 's funeral in XXXX. At the time I had my secretary make sure all of my bills were paid which included my cards, my rent, etc. All of these payments were made however for some strange reason I noticed my discover hadn't been paid. Of course I am with my family and I thought my secretary had everything paid so this is the last thing I am thinking about. As soon as I noticed my Discover account was not paid I made a payment that same day. I wasn't even more than a week late, it was a couple days after when I noticed and immediately made the payment. I love my Discover credit card and hope to do business with Discover in the future, however this was a huge life event which I didn't expect and as a result my Discover card was a couple of days late. I am asking for forgiveness and goodwill late reporting to be removed. This is affecting my whole ability to obtain credit in my life and it is not fair I have paid every bill in my whole life on time and one month where I had a family emergency I am being punished and will not be able to obtain credit for 7 years! I hope this can be resolved, again this is a situation out of my control and I don't think I should be punished as I have always been a 100 % on time customer and always pay off my card in full when I use it. Thank you for understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 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 wrote a letter about false information on my credit report, and more than 45 days later, I still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. It is precisely stated in Section 611 ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The XXXX data breach exposed my information well as, and it's feasible that it landed in the incorrect hands. Also apply law 15 U.S. Code 1681 ( e ) ( b ) ASAP so I know I am being treated fairly and with equal rights as a consumer.

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 2023-01-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
I have made 2 payments to Goldman Sachs XXXX on XX/XX/XXXX for {$1200.00} XXXX on XX/XX/XXXX for {$1500.00} Credit limit is {$2700.00} And {$0.00} available for any charge up to this very date Ive called twice Their explanation was XXXX waited 5 days to reject a payment of {$1500.00} on XXXX? Or XX/XX/XXXX. Unsure The default auto-payment feature is defective In order to auto pay a minimum or specified amount under this feature you must manually tweak to preferred or specified amount Before end of month Im trying to see how to correct but this complaint is based on the electronic payment Goldman Sachs accepts to claim they are awaiting clearance from payment bank and the funds have cleared the day of or day after payment This appears as a fraudulent practice and fiduciary irresponsibility and incompetence. 

GS is using money already paid to my Credit card account while CLAIMING theyre awaiting payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
This is a rebuttal One I never lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX is my number but my voice isnt me on capital one recordings And XXXX I dont eat XXXX XXXX on XXXX XXXX and I dont have a XXXX XXXX And I dont have a steady income XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX for a capital one card or receive the card at my address XXXX XXXX XXXX XXXX XXXX XXXX And I will seek legal actions on capitol one credit card I didnt apply for a quicksilver XXXXXXXX XXXX XXXX Or had any other capital one cards in my life Im requesting a cease and desist I dont want any bills or statements or any offers get send to my address or again I will take additional legal actions against capital one

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
I previously made a complaint about this servicer about a unscrupulous charge I have had this mortgage for several years without issue with several other servicers I have used the same bank to make automatic payments without issue I now get this new mortgage servicer and its been nothing but problems XX/XX/2023 I received a phone call from XXXX  about a " lost payment " on loan # XXXX I was told by manager XXXX that he was " warning me " that if I want them to look for the payment I would need to go to their website and fill out forms My previous payment before the complaint was processed with no issue. 
I gave the check number # XXXX tracking information, dates this was electronically processed through my credit union this was not enough I absolutely believe that this level of difficulty is due to the fact I wrote a complaint about them They are now trying to create situation of confusion and issues where there are none the servicers sole responsibility it to process payment I gave them the same information over the phone as I am submitting here today

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 2023-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: AL

Complaint narrative:
{$280.00} dispute they said credit was issued on XX/XX/XXXX but i didn't receive it. On XX/XX/XXXX I received two more emails stating I got two more credits for {$200.00} and {$180.00} which I never received I also had a {$640.00} refund from XXXX I have been waiting on I haven't received either and they have told me they can see it but nothing else until the transaction clears well they closed my account over night and now won't give me any of my money back. I also did a deposit from square for {$800.00} that hasn't been added to my account. I have a XXXX XXXX XXXX that was born with XXXX XXXX XXXX. His XXXX  is {$1200.00} twice a month I don't get paid for two more weeks. They closed my account shouldn't they haven't given me my money. Without the XXXXXXXX XXXX XXXX XXXX. That's my money and I want it since they closed my account.this is not right it's disgusting

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: MI

Complaint narrative:
I have spoken with Transworld Systems Inc attorney for possibility of settlement. Here attached is an Affidavit of Truth and Facts with exhibit and invoice for FDCPA violations that has been emailed to XXXX XXXX at XXXX. 

If myself and Transworld System Inc. are unable to settle this matter, I will gladly present this Affidavit of Truth and Facts to the court as evidence of me trying to settle this matter outside of court.

I have yet to receive any proof that the debt collection letter labled Exhibit A has complied with the FDCPA 's rules and regulations for debt collection. Therefore, Transworld System Inc. is to present to me with a certificate in testimony that the debt collection letter labled Exhibit A is in fact compliant with the FDCPA and not subterfuge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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